Capital One Services, LLC

Xiaoxiang Zhang

Nicholas Dolle

Katherine D Forrester

Kurt Johnson

Shaun Webb

Jeffrey Whalen

David Gray

Maninder Suri

Ruhaab Markas

Patrick Eberle

Steven G Chiagouris

Joanna R Hartzmark

Kenneth S Childs

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.

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

Methods and systems are disclosed for providing approved financing in advance of a purchase to a buyer of an item, such as an automobile, and allowing the prospective buyer to maintain control over the financing throughout the sales process. According to disclosed embodiments, a financial service system configures a financing website for the buyer, and receives personal information as well as information relating to the desired item. The financial service system approves loan parameters for the buyer, and provides the user with a link to access the financing website on a mobile device while at a dealership. Financing parameters can thus be edited throughout the process until the final sales agreement, providing the buyer with confidence and flexibility in the buying process.

Systems and methods for providing user-controlled automobile financing

Systems and methods for exporting auto finance information

Growing community of inventors

McKinney, TX, United States of America

Xiaoxiang Zhang