Kurt Alan Johnson

US Patent:

20230097380, Mar 30, 2023

Filed:

Nov 28, 2022

Appl. No.:

18/059238

Inventors:

- McLean VA, US
Nicholas DOLLE - Mckinney TX, US
Xiaoxiang ZHANG - McKinney TX, US
Kurt JOHNSON - Dallas TX, US
Jeffrey WHALEN - Frisco TX, US
David GRAY - McLean VA, US
Shaun WEBB - McLean VA, US
Maninder SURI - Plano TX, US

Assignee:

Capital One Services, LLC - McLean VA

International Classification:

G06Q 40/02

Abstract:

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.

US Patent:

20200193515, Jun 18, 2020

Filed:

Jan 29, 2020

Appl. No.:

16/775814

Inventors:

- MCLEAN VA, US
Nicholas Dolle - McKinney TX, US
Xiaoxiang Zhang - McKinney TX, US
Kurt Johnson - Dallas TX, US
Jeffrey Whalen - Little Elm TX, US
David Gray - Ashland VA, US
Shaun Webb - San Francisco CA, US
Maninder Suri - Plano TX, US

Assignee:

Capital One Services, LLC - MCLEAN VA

International Classification:

G06Q 40/02

Abstract:

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.

US Patent:

20200065898, Feb 27, 2020

Filed:

Nov 4, 2019

Appl. No.:

16/673435

Inventors:

- MCLEAN VA, US
Patrick A. Eberle - Frisco TX, US
Nicholas Dolle - McKinney TX, US
Steven G. Chiagouris - Plano TX, US
JoAnna R. Hartzmark - Chicago IL, US
Xiaoxiang Zhang - McKinney TX, US
Kurt Johnson - Dallas TX, US
Kenneth S. Childs - Mechanicsville VA, US

Assignee:

CAPITAL ONE SERVICES, LLC - MCLEAN VA

International Classification:

G06Q 40/02

Abstract:

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.

US Patent:

20180130127, May 10, 2018

Filed:

Jan 4, 2018

Appl. No.:

15/861829

Inventors:

- MCLEAN VA, US
Nicholas Dolle - McKinney TX, US
Xiaoxiang Zhang - McKinney TX, US
Kurt Johnson - Dallas TX, US
Jeffrey Whalen - Little Elm TX, US
David Gray - Ashland VA, US
Shaun Webb - San Francisco CA, US
Maninder Suri - Plano TX, US

Assignee:

CAPITAL ONE FINANCIAL CORPORATION - MCLEAN VA

International Classification:

G06Q 40/02

Abstract:

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.

US Patent:

20180089757, Mar 29, 2018

Filed:

Nov 30, 2017

Appl. No.:

15/826956

Inventors:

- MCLEAN VA, US
Patrick A. Eberle - Frisco TX, US
Nicholas Dolle - McKinney TX, US
Steven G. Chiagouris - Plano TX, US
JoAnna R. Hartzmark - Chicago IL, US
Xiaoxiang Zhang - McKinney TX, US
Kurt Johnson - Dallas TX, US
Kenneth S. Childs - Mechanicsville VA, US

International Classification:

G06Q 40/02

Abstract:

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.

US Patent:

20150206234, Jul 23, 2015

Filed:

Jan 16, 2015

Appl. No.:

14/599127

Inventors:

- McLean VA, US
Nicholas Dolle - McKinney TX, US
Xiaoxiang Zhang - McKinney TX, US
Kurt Johnson - Dallas TX, US
Jeffrey Whalen - Little Elm TX, US
David Gray - Ashland VA, US
Shaun Webb - San Franscisco CA, US
Maninder Suri - Plano TX, US

Assignee:

Capital One Financial Corporation - McLean VA

International Classification:

G06Q 40/02

Abstract:

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.

US Patent:

20150039490, Feb 5, 2015

Filed:

Jul 29, 2014

Appl. No.:

14/445519

Inventors:

KATHERINE D. FORRESTER - Dallas TX, US
Patrick A. Eberle - Frisco TX, US
Nicholas Dolle - McKinney TX, US
Steven G. Chiagouris - Plano TX, US
JoAnna R. Hartzmark - Chicago IL, US
Xiaoxiang Zhang - McKinney TX, US
Kurt Johnson - Dallas TX, US
Kenneth S. Childs - Mechanicsville VA, US

Assignee:

Capital One Financial Corporation - McLean VA

International Classification:

G06Q 40/02

US Classification:

705 38

Abstract:

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.