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US 11,538,104 B2Granted
Systems and methods for online automobile purchasing
AssigneeJPMorgan Chase Bank, N.A.
InventorsChristine Cox, Eric D. Henley, Jim J. Manelis, Ramanujam Chari, Vinay R. Thykkutathil
Life of this patent
Estimating the term…
Abstract
Exemplary embodiments may provide an online automobile purchasing experience for a customer. The experience may be provided by, or associated with, a financial institution. The automobile buying experience may be accessible to both customers of the financial institution as well as non-customers. Customers of the financial institution may receive added benefits during and after the experience. Non-customers may have the opportunity to become a customer of the financial institution as part of the experience.
Claims20
A system, comprising:
- a financial institution server, communicatively coupled to a network to one or more remote computing devices, comprising at least one processor and tangibly disposed memory, the server being configured to:
- present a first interface to a customer electronic device for a customer and over the network, the first interface comprising a selection screen comprising a plurality of automobile buying options;
- receive, over the network, a first input from the customer electronic device through the first interface, wherein the first input comprises at least selection of one of the plurality of automobile buying options;
- present a second interface to the customer electronic device, over the network, based on the first input, the second interface comprising a set of options for configuration of an automobile;
- receive, over the network, a second input from the customer electronic device through the second interface, wherein the second input comprises selection of one or more options configuring the automobile;
- receive, over the network, automobile inventory information for a plurality of participating dealerships based on a location of the customer electronic device;
- present a third interface to the customer electronic device, over the network, based on the second input and the automobile inventory information, the third interface comprising a listing of one or more participating dealerships that have the configured automobile in their inventory;
- receive, over the network, a third input from the customer electronic device through the third interface, wherein the third interface comprises selection of one of the participating dealerships;
- present a fourth interface to the customer electronic device, over the network based on the third input, the fourth interface comprising a price for the configured automobile from the selected dealership and an application for financing to purchase the configured automobile;
- receive, over the network, a fourth input from the customer electronic device through the fourth interface, wherein the fourth input comprises a selection of the financing option;
- provide the customer electronic device a confirmation of approval of the financing for the configured automobile based on financial information for the customer stored by the financial institution and the price of the configured automobile;
- and
- communicate the approval of the financing to the selected participating dealership.
10 more elements
A method, comprising:
- presenting, by a computer program executed by a financial institution server and over a network to a customer electronic device for a customer, a first interface comprising a selection screen comprising a plurality of automobile buying options;
- receiving, by the computer program and over the network from the customer electronic device, a first input from the customer electronic device through the first interface, wherein the first input comprising at least selection of one of the plurality of automobile buying options;
- presenting, by the computer program and over the network to the customer electronic device, a second interface based on the first input, the second interface comprising a set of options for configuration of an automobile;
- receiving, by the computer program and over the network from the customer electronic device, a second input comprising selection of one or more options configuring the automobile;
- receiving, over the network, automobile inventory information for a plurality of participating dealerships based on a location of the customer electronic device;
- presenting, by the computer program and over the network to the customer electronic device, a third interface based on the second input and the automobile inventory information, the third interface comprising a listing of one or more participating dealerships that have the configured automobile in their inventory;
- receiving, by the computer program and over the network from the customer electronic device, a third input comprising selection of one of the participating dealerships;
- presenting, by the computer program and over the network to the customer electronic device, a fourth interface based on the third input, the fourth interface comprising a price for the configured automobile from the selected dealership and an application for financing to purchase the configured automobile;
- receiving, by the computer program and over the network from the customer electronic device, a fourth input comprising a selection of the financing option;
- providing, by the computer program and over the network to the customer electronic device, a confirmation of approval of the financing for the configured automobile based on financial information for the customer stored by the financial institution and the price of the configured automobile;
- and
- communicating, by the computer program and over the network to the selected participating dealership, the approval of the financing.
9 more elements
Dependencies are inferred from the claim text.