Methods and systems for providing personalized, real-time information based on remotely retrieved information

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 12067616
APP PUB NO 20230097380A1
SERIAL NO

18059238

Stats

ATTORNEY / AGENT: (SPONSORED)

Importance

Loading Importance Indicators... loading....

Abstract

See full text

This disclosure relates generally to systems and methods for providing personalized financing information and, more particularly, systems and methods for providing personalized financing information via a dealership website using an API associated with a financial service provider. In one embodiment, a system includes memory hardware storing instructions that configure processing hardware to receive a loan request for a buyer via a real-time API that includes at least buyer identification and financial information and information associated at least one inventory item presented on a dealership website. The system may also determine financing information comprising prospective financing terms for the at least one item based on at least the loan request. The server may also provide, to the dealership server via the real-time API, the determined financing information for presentation on the dealership website, including prospective financing terms information corresponding to each of the at least one item.

Loading the Abstract Image... loading....

First Claim

See full text

Family

Loading Family data... loading....

Patent Owner(s)

Patent OwnerAddress
CAPITAL ONE FINANCIAL CORPORATION1680 CAPITAL ONE DRIVE MCLEAN VA 22102

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Dolle, Nicholas McKinney, US 17 131
Forrester, Katherine Dallas, US 5 23
Gray, David Ashland, US 53 760
Johnson, Kurt Dallas, US 20 1050
Markas, Ruhaab Allen, US 7 23
Suri, Maninder Plano, US 5 23
Webb, Shaun San Francisco, US 14 110
Whalen, Jeffrey Frisco, US 12 23
Zhang, Xiaoxiang McKinney, US 54 189

Cited Art Landscape

Load Citation

Patent Citation Ranking

Forward Cite Landscape

Load Citation

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Feb 20, 2028
7.5 Year Payment $3600.00 $1800.00 $900.00 Feb 20, 2032
11.5 Year Payment $7400.00 $3700.00 $1850.00 Feb 20, 2036
Fee Large entity fee small entity fee micro entity fee
Surcharge - 3.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00