United Services Automobile Association (usaa)

Brian Thomas Latronico

James Malcolm Spears

David Anthony Phelps

Teresa A Mays

Kevin W Thornley

Claudia Anne Luna

Tracy Lent

Gary Don Bourn

Doyle Russell Dennis, Jr

An integrated transaction platform facilitates a transaction, such as a purchase of a vehicle or other item. The platform provides a pre-negotiated purchase price for the item to facilitate a transaction to purchase the item from a seller, the transaction being substantially frictionless from the buyer's perspective. The pre-negotiation can involve a reverse auction process in which sellers bid to sell the item to a buyer. After the buyer has identified a particular item for purchase, sellers that have the item available are notified to provide a bid indicating a price at which the seller is willing to sell the item. The lowest bid is selected, and a purchase agreement is finalized based on the lowest bid. After the agreement is finalized, the buyer can accept delivery of the item without further negotiation with the seller, and thus with substantially reduced friction compared to traditional purchase scenarios.

Transaction pre-negotiation and optimization

A system and method for customizing a vehicle for a user from a dealer through a user interface of a mobile device. The system and method may include a vehicle customization application stored on the mobile device. The user interface can be used to select the vehicle from a plurality of vehicles using the vehicle customization application. The vehicle customization application may create a user desires profile for the user of the vehicle customization application and may retrieve all dealer installed option packages for the selected vehicle from a dealer database of the dealer. Based on the user desires profile and the retrieved dealer installed packages, artificial intelligence may be used to generate a list of dealer installed option packages for the user. The user may select dealer installed option packages from the generated list of dealer installed option packages through the user interface.

Method and system for customizing a vehicle

Growing community of inventors

San Antonio, TX, United States of America

Brian Thomas Latronico