System, method, apparatus and medium for simultaneously generating vehicle history reports and preapproved financing options

A computer-implemented method comprising:

• receiving or accessing, via a network comprising one or more of a wired or wireless network, an electronic request from a user of one or more users;
• receiving or accessing, via the network, one or more financial criteria, wherein one or more corresponding financial institutions make determinations regarding a prequalification status of one or more users based at least in part on the one or more financial criteria;
• accessing a data store comprising one or more databases, wherein a first database of the one or more databases is configured to store the one or more financial criteria;
• generate and transmit, to a user device associated with the user, display instructions that are configured to, once executed, display one or more user interface elements for operation by the user and to include, in the display, an electronic vehicle history report for a selected vehicle;
• automatically performing a suppression analysis based on prior user behavior data, the prior user behavior data including a negative indication response to a prompt or no response to the prompt within a set time;
• in response to a determination of no suppression based on the suppression analysis, automatically provide instructions for generating a prompt to the user, via the one or more user interface elements, for one or more of:
• a selection indicating interest in a financing offer and for personal information of the user, wherein the prompt is generated as an overlay layer via the one or more user interface elements, and wherein the overlay layer is placed over previous data displayed via the one or more user interface elements at the user device;
• receiving or accessing, from the user via the one or more user interface elements, a response request that includes one or more of:
• an electronic request for information regarding the selected vehicle associated with a dealer that is selling the selected vehicle, an indication of interest in a financing offer, and the personal information of the user;
• and
• determining that the user meets at least one financial criteria based at least on a portion of the personal information of the user or a price of the selected vehicle.

A computer program product comprising a non-transitory computer readable medium comprising instructions that, when executed, cause an apparatus to perform a method, the method comprising:

• receiving or accessing, via a network comprising one or more of a wired or wireless network, an electronic request from a user of one or more users;
• receiving or accessing, via the network, one or more financial criteria, wherein one or more corresponding financial institutions make determinations regarding a prequalification status of one or more users based at least in part on the one or more financial criteria;
• accessing a data store comprising one or more databases, wherein a first database of the one or more databases is configured to store the one or more financial criteria;
• generating and transmitting, to a user device associated with the user, display instructions that are configure to, once executed, display one or more user interface elements for operation by the user and to include, in the display, an electronic vehicle history report for a selected vehicle;
• automatically performing a suppression analysis based on prior user behavior data, the prior user behavior data including a negative indication response to a prompt or no response to the prompt within a set time;
• in response to a determination of no suppression based on the suppression analysis, automatically provide instructions for generating a prompt to the user, via the one or more user interface elements, for one or more of:
• a selection indicating interest in a financing offer and for personal information of the user, wherein the prompt is generated as an overlay layer via the one or more user interface elements, and wherein the overlay layer is placed over previous data displayed via the one or more user interface elements at the user device;
• receiving or accessing, from the user via the one or more user interface elements, a response request that includes one or more of:
• an electronic request for information regarding the selected vehicle associated with a dealer that is selling the selected vehicle, an indication of interest in a financing offer, and the personal information of the user;
• and
• determining that the user meets at least one financial criteria based at least on a portion of the personal information of the user or a price of the selected vehicle.