Generating customer-specific vehicle proposals for potential vehicle customers

A computing system comprising:

• a network interface coupled to a data network configured to repeatedly receive packet flows comprising updated data supporting potential offers to specific vehicle owners that account for vehicle equity;
• a computer processor;
• one or more non-transitory computer readable storage mediums storing:
• specific vehicle owner identifiers associated with the specific vehicle owners,
• existing vehicle identifiers associated with the specific vehicle owners' existing vehicles,
• existing terms associated with the specific vehicle owners' existing payment arrangements for the existing vehicles, and
• available-vehicle identifiers associated with dealership vehicles;
• program instructions configured for repeated execution by the computer processor to evaluate the updated data to identify new sets of the specific vehicle owners that qualify as deal prospects, without receiving any request or input directly from any of the specific vehicle owners, the program instructions configured to:
• identify from the available-vehicle identifiers a replacement-vehicle identifier suitably related to each specific vehicle owners' existing vehicle,
• use the updated data from the network interface to determine a current trade-in value and a trade equity associated with each specific vehicle owners' existing vehicle,
• use the replacement vehicle identifier to determine a prospective term for a prospective new payment arrangement and replacement vehicle for each specific vehicle owner, based on at least the replacement vehicle identifier and the determined current trade-in value and trade equity of the specific vehicle owners' existing vehicle,
• accept a prospective term threshold condition input and use it to qualify specific vehicle owners as deal prospects only when corresponding existing and prospective terms for given specific vehicle owner satisfy the threshold condition, and
• based at least in part on the determined current trade-in value and the prospective term threshold condition, automatically transmit an electronic alert comprising:
• the specific vehicle owner identifier for at least one of the new set of specific vehicle owners that qualify as a deal prospect under the threshold condition,
• the existing vehicle identifier for that vehicle owner,
• the existing term associated with that vehicle owner's existing payment arrangements for the existing vehicle,
• the replacement-vehicle identifier, and
• the prospective term.