Systems and methods for providing an enhanced analytical engine

Patent metadata

Field	Value
Publication number	US-12450638-B2
Application number	US-202418737458-A
Country	US
Kind code	B2
Filing date	Jun 7, 2024
Priority date	Oct 23, 2018
Publication date	Oct 21, 2025
Grant date	Oct 21, 2025

Abstract

An enhanced analytical engine system may perform the steps of providing optimized individual transaction recommendations. The system may receive a request comprising customer financial information, customer identification information, and vehicle identification information. The system may collect information associated with one or more vehicles within an inventory listing associated with one or more dealership systems. The system may then provide data representing information associated with the one or more vehicles within an inventory listing associated with the one or more dealership systems. The system may receive data indicating selection of a vehicle of interest. The system may determine a proposed offer package for the vehicle of interest comprising an associated overall price and at least one from among a warranty option, maintenance option, and service contract option based on the customer preferences information and historical transaction data. The system may provide the determined proposed offer package for presentation to the customer.

First claim

What is claimed is:

1. A vehicle system comprising:
one or more processors; and
at least one memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:
receive customer financial information associated with a user;
receive a request from the user, the request comprising vehicle identification information comprising an indication of one or more vehicle features desired by the user;
identify information associated with one or more vehicles associated with one or more of a plurality of dealership systems;
generate, based on the vehicle identification information, a filtered set of vehicles from among the one or more vehicles;
provide, to the user, data representing information associated with the filtered set of vehicles;
determine a suggested geographic location for purchasing a vehicle of interest;
generate, based on the request and the customer financial information, a proposed offer package for each vehicle of the filtered set of vehicles, each proposed offer package comprising an associated overall price and the suggested geographic location;
determine, for each proposed offer package, a first respective likelihood of success metric representing a first likelihood that the proposed offer package will be accepted by the corresponding dealership system based on the customer financial information; and
provide, to the user, the generated proposed offer packages and the first respective likelihood of success metric.

2. The system of claim 1 , wherein the instructions are further configured to cause the system to:
access historical vehicle purchase transaction data for the corresponding dealership system of each vehicle of the filtered set of vehicles, the historical vehicle purchase transaction data comprising first vehicle information and a first overall negotiated price; and
determine, for the corresponding dealership system of each vehicle of the filtered set of vehicles and based on one or more preferred user financing preferences, one or more potential addons, the one or more potential addons comprising one or more of a warranty option, a maintenance option, a service contract option, or combinations thereof.

3. The system of claim 2 , wherein generating a proposed offer package comprises:
tracking historical vehicle purchase transaction data for vehicles sold by one or more dealerships associated with the plurality of dealership systems, the historical vehicle purchase transaction data comprising second vehicle information, a second overall negotiated price, and one or more included options; and
determining, using machine learning and based on the tracked historical vehicle purchase transaction data, the proposed offer package.

4. The system of claim 2 , wherein the instructions are further configured to cause the system to:
receive, from the user, a customer-input indication of acceptance of the determined proposed offer package, and
responsive to the acceptance, provide, to the corresponding dealership system, data indicating a user's willingness to enter into a transaction based on the proposed offer package.

5. The system of claim 2 , wherein:
each vehicle of the filtered set of vehicles has an associated vehicle type, and
generating the proposed offer package further comprises:
tracking historical vehicle purchase transaction data associated with one or more of an overall price, a warranty cost, a maintenance cost, and a service contract cost for the associated vehicle type, and
determining a suggested time window to provide the proposed offer package for each of the filtered vehicles based on the historical vehicle purchase transaction data.

6. The system of claim 5 , wherein the instructions are further configured to cause the system to:
generate, based on the request and the historical vehicle purchase transaction data, a second proposed offer package for each vehicle of the filtered set of vehicles, each second proposed offer package comprising an associated overall price including one or more addons of one or more potential addons and a monthly payment price within a threshold of a desired monthly payment or within a desired monthly payment range;
determine, for each second proposed offer package, a respective second likelihood of success metric representing a second likelihood that the second proposed offer package will be accepted by the corresponding dealership system; and
provide, to the user, via an interface of the vehicle system, the generated second proposed offer package and the respective second likelihood of success metric.

7. The system of claim 6 , wherein the second likelihood of success metric is less than the first likelihood of success metric.

8. The system of claim 2 , wherein the generated proposed offer package further comprises a suggested tactic.

9. The system of claim 1 , wherein the instructions are further configured to cause the system to:
transmit, to the user, a financial risk questionnaire; and
receive, from the user, a response to the financial risk questionnaire,
wherein the proposed offer package for each vehicle of the filtered set of vehicles is generated based on (i) the request, (ii) the response to the financial risk questionnaire, and (ii) the customer financial information.

10. A method comprising:
receiving, via an interface of a vehicle system, a request associated with a user, the request comprising vehicle identification information of one or more vehicles;
identifying dealership information associated with one or more of the vehicles;
accessing historical vehicle purchase transaction data for the corresponding dealership, the historical vehicle purchase transaction data comprising vehicle information and overall negotiated price;
determining a suggested time window to purchase a vehicle type based on the historical vehicle purchase transaction data;
generating, based on the request and the historical vehicle purchase transaction data, a proposed offer package for the one or more vehicles, each proposed offer package comprising the suggested time window and an associated overall price including one or more addons of one or more potential addons and a payment price within a threshold of a desired monthly payment or overall purchase price;
determining, for each proposed offer package, a first respective likelihood of success metric representing a first likelihood that the proposed offer package will be accepted by the corresponding dealership system by comparing the proposed offer package with the historical vehicle purchase transaction data; and
providing, to the user, via the interface of the vehicle system, each generated proposed offer package and the first respective likelihood of success metric.

11. The method of claim 10 , further comprising:
generating, based on the vehicle identification information, a filtered set of vehicles form among the one or more vehicles; and
providing, the user, data representing information associated with the filtered set of vehicles.

12. The method of claim 11 , further comprising:
determining, for the corresponding dealership system of each vehicle of the filtered set of vehicles and based on a preferred user financing preferences, one or more potential addons, the one or more potential addons comprising one or more of a warranty option, a maintenance option, a service contract option, or combinations thereof.

13. The method of claim 11 , further comprising:
generating, based on the request and the historical vehicle purchase transaction data, a second proposed offer package for each filtered vehicle o

Assignees

• Capital One Services Llc

Inventors

• Venuraju Mithra Kosur
• Deshpande Amit Ramit
• Chikkaveerappa Satish

Classifications

• G06Q50/188

  Electronic negotiation · CPC title

• G06Q30/012

  Providing warranty services · CPC title

• G06Q10/20

  Administration of product repair or maintenance · CPC title

• G06Q30/0631

  Recommending goods or services · CPC title

• G06Q30/0611 Primary

  Request for offers or quotes · CPC title