US 2017/0286922 A1Published application

Vehicle title transfer and lien payoff

AssigneeAllstate Insurance Company

InventorJames A. Ledder

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Abstract

A title transfer and lien payoff system may communicate with various parties and perform functions associated with vehicle title transfer and lien payoff processes. A vehicle title transfer and lien payoff system may receive user and vehicle information from various parties, and may store lien payoff and title transfer records. The system may allow authorized users for various parties to perform functions based on the user's role and permissions, and based on the status of the lien payoff and title transfer processes for associated vehicles. After performing functions within these processes, the system may identify and initiate communications with one or more addition parties involved in the lien payoff and title transfer processes. Communication preferences may also be stored and applied for various parties and users within the title transfer and lien payoff system.

Claims22

Dependent claims

An apparatus comprising:

a network interface configured to establish communications over a wide area network;
one or more processors;
and
at least one memory storing computer readable instructions that, when executed by the one or more processors, cause the apparatus to:
receive, from a first computing device via the network interface, a first user identifier identifying a first user as an insurance company user;
receive, from the first computing device via the network interface, first information for identifying a first vehicle;
retrieve, from a first database based on the first information, data corresponding to at least one of a title transfer process or a lien payoff process for the first vehicle;
determine, based on the first user identifier and a first state of the lien payoff process for the first vehicle, one or more first available functions among a plurality of functions associated with the title transfer process or the lien payoff process for the first vehicle, wherein the first state is an initial state of the lien payoff process and wherein the one or more first available functions include a first function to create a lien payoff offer for the first vehicle;
present, on a display associated with the first computing device, a first user interface with a plurality of options respectively corresponding to the plurality of functions, wherein only first options, corresponding to the one or more first available functions, are selectable;
perform the first function to create the lien payoff offer in response to selection of one of the first options;
query a second database, based on the first function performed, to determine one or more parties with which to initiate communication, the one or more parties including a lienholder of the first vehicle;
communicate, via the network interface, with the one or more parties to provide the one or more parties with information associated with the lien payoff offer for the first vehicle;
receive, from a second computing device via the network interface, a second user identifier identifying a second user as the lienholder;
receive, from the second computing device via the network interface, acceptance data indicating that the lienholder accepts the lien payoff offer;
determine, based on the acceptance data, that the lien payoff process for the first vehicle is in a second state in which the lien payoff offer has been accepted by the lienholder;
determine, based on the first user identifier and the second state of the lien payoff process for the first vehicle, one or more second available functions among the plurality of functions, wherein the one or more second available functions include a second function to submit a payment to the lienholder;
and
present, on the display associated with the first computing device, a second user interface with the plurality of options, wherein only second options, corresponding to the one or more second available functions, are selectable.

15 more elements

A method, comprising:

receiving, by a title transfer and lien payoff system having at least one processor, via a network interface configured to establish communications over a wide area network, and from a first computing device, a first user identifier identifying a first user of the title transfer and lien payoff system as an insurance company user;
receiving, by the title transfer and lien payoff system, via the network interface, and from the first computing device, a first vehicle identifier identifying a first vehicle;
retrieving, from a first database based on the first vehicle identifier, data corresponding to at least one of a title transfer process or a lien payoff process for the first vehicle;
determining, based on the first user identifier and a first state of the lien payoff process for the first vehicle, one or more first available functions among a plurality of functions associated with the title transfer process or the lien payoff process for the first vehicle, wherein the first state is an initial state of the lien payoff process and wherein the one or more first available functions include a first function to create a lien payoff offer for the first vehicle;
causing the first computing device to present, on a display associated with the first computing device, a first user interface with a plurality of options respectively corresponding to the plurality of functions, wherein only first options, corresponding to the one or more first available functions, are selectable;
performing, by the title transfer and lien payoff system, the first function to create the lien payoff offer in response to selection of one of the first options;
querying a second database, based on the first function performed, to determine one or more parties with which to initiate communication, the one or more parties including a lienholder of the first vehicle;
communicating, by the title transfer and lien payoff system via the network interface with the one or more parties, information associated with the lien payoff offer for the first vehicle;
receiving, by the title transfer and lien payoff system from a second computing device via the network interface, a second user identifier identifying a second user as the lienholder;
receiving, by the title transfer and lien payoff system from the second computing device via the network interface, acceptance data indicating that the lienholder accepts the lien payoff offer;
determining, based on the acceptance data, that the lien payoff process for the first vehicle is in a second state in which the lien payoff offer has been accepted by the lienholder;
determining, based on the first user identifier and the second state of the lien payoff process for the first vehicle, one or more second available functions among the plurality of functions, wherein the one or more second available functions include a second function to submit a payment to the lienholder;
and
causing the first computing device to present, on the display associated with the first computing device, a second user interface with the plurality of options, wherein only second options, corresponding to the one or more second available functions, are selectable.

11 more elements

A system comprising:

a vehicle owner computing device comprising one or more first processors, a first input device, and a first display device, wherein the one or more first processors are configured to cause the vehicle owner computing device to:
display, on the first display device, a first user interface with one or more first options;
receive, from the first input device while the first user interface is displayed, a first user identifier identifying a first user as a vehicle owner of a vehicle;
and
receive, from the first input device, first data indicating that the vehicle has been damaged;
an insurance company computing device comprising one or more second processors, a second input device, and a second display device, wherein the one or more second processors are configured to cause the insurance company computing device to:
determine, based on the first data and a value of the vehicle, that the vehicle is totaled;
transmit, to a vehicle title transfer and lien payoff server, information indicating that the vehicle is totaled;
receive, from the second input device, a second user identifier identifying a second user as an insurance company user;
transmit, to the vehicle title transfer and lien payoff server, the second user identifier;
display, on the second display device, a second user interface;
create, through the second user interface, a lien payoff offer indicating an amount of money to be paid in exchange for releasing a lien on the vehicle;
transmit, to the vehicle title transfer and lien payoff server, the lien payoff offer;
a lienholder computing device comprising one or more third processors, a third input device, and a third display device, wherein the one or more third processors are configured to cause the lienholder computing device to:
receive, from the third input device, a third user identifier identifying a third user as a lienholder for the vehicle;
transmit, to the vehicle title transfer and lien payoff server, the third user identifier;
display, on the third display device, a third user interface;
and
generate, through the third user interface, data indicating acceptance of the lien payoff offer;
transmit, to the vehicle title transfer and lien payoff server, the data indicating acceptance of the lien payoff offer for the vehicle;
display, on the third display device, a fourth user interface;
and
generate, through the fourth user interface, data for submitting a payment to the lienholder;
and
the vehicle title transfer and lien payoff server comprising one or more fourth processors configured to cause the vehicle title transfer and lien payoff server to:
receive, from the insurance company computing device, the information indicating that the vehicle is totaled;
determine, based on the information indicating that the vehicle is totaled, that a lien payoff process for the vehicle is in a first state, wherein the first state is an initial state of the lien payoff process;
receive, from the insurance computing device, the second user identifier identifying the second user as the insurance company user;
determine, based on the second user identifier and the first state, one or more first available functions among a plurality of functions associated with the lien payoff process for the vehicle, wherein the one or more first available functions include a function to create the lien payoff offer;
generate the second user interface with a plurality of second options respectively corresponding to the plurality of functions associated with the lien payoff process for the vehicle, wherein only second options, corresponding to the one or more first available functions, are selectable;
receive, from the insurance computing device, the lien payoff offer for the vehicle;
in response to receiving the lien payoff offer:
transmit, to the lienholder computing device, a notification of the lien payoff offer;
and
determine that the lien payoff process for the vehicle is in a second state;
receive, from the lienholder computing device, the third user identifier identifying the third user as the lienholder;
determine, based on the third user identifier and second state, one or more second available functions among the plurality of functions associated with the lien payoff process for the vehicle, wherein the one or more second available functions include a function to accept the lien payoff offer;
generate the third user interface with a plurality of third options respectively corresponding to the plurality of functions associated with the lien payoff process for the vehicle, wherein only third options, corresponding to the one or more second available functions, are selectable;
in response to receiving the data indicating acceptance of the lien payoff offer:
transmit, to the insurance company computing device, a notification of acceptance of the lien payoff offer;
and
determine that the lien payoff process for the vehicle is in a third state;
determine, based on the second user identifier and the third state, one or more third available functions among the plurality of functions associated with the lien payoff process for the vehicle, wherein the one or more third available functions include a function to submit the payment to the lienholder;
and
generate the fourth user interface with a plurality of fourth options respectively corresponding to the plurality of functions associated with the lien payoff process for the vehicle, wherein only fourth options, corresponding to the one or more third available functions, are selectable.

42 more elements

Dependencies are inferred from the claim text.