US2013046628A1PendingUtilityA1

Persistence mechanism for facilitating online transactions

73
Individually held — no corporate assignee on recordPriority: Mar 21, 2000Filed: Oct 22, 2012Published: Feb 21, 2013
Est. expiryMar 21, 2020(expired)· nominal 20-yr term from priority
Inventors:James D. BennettChristopher C. Winslade
G06Q 40/03G06Q 20/20G06Q 30/0641G06Q 30/0613G06Q 30/0207G06Q 30/0239G06Q 30/0222G06Q 40/08G06Q 30/02G06Q 30/0257G06Q 30/0235G06Q 30/0601G06Q 30/0269G06Q 30/0625G06Q 40/04G06Q 30/0605G06Q 30/0255G06Q 30/0244G06Q 30/0251G06Q 30/0261G06Q 30/0224G06Q 30/0253G06Q 30/0611
73
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References
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Claims

Abstract

An online system uses, in various embodiments of the invention, credit report information, loan affordability screening and credit approval and management functionality to facilitate the purchase and finance of products online. The online system may include both sellers of products and lenders that offer financing to buyers seeking to purchase the products. The system may automatically obtain a buyer's credit report information and use that information to determine if the buyer is pre-approved, for example, to obtain financing for a particular product or products. The system also enables use of buyer credit information to identify only those of a seller's products for which the buyer is pre-approved, for example, to finance using one or more loans. The system then enables selection of an identified product or products for purchase, and selection of a loan, for example, for financing of the selected product or products. Credit approval (or pre-approval) may be performed automatically, and along with credit processing, may be performed completely online.

Claims

exact text as granted — not AI-modified
1 - 10 . (canceled) 
     
     
         11 . A method performed by a first server system of a first entity in support of online transactions, the method comprising:
 receiving first input from a computing device of a buyer, the first input initiating but not completing a transaction relating to one or more products;   identifying the transaction as a pending transaction;   storing information regarding the pending transaction;   determining whether one or more predefined conditions has been met;   if the one or more predefined conditions has been met, sending an electronic communication to the buyer reminding the buyer regarding the pending transaction;   receiving second input from a computing device of the buyer, the second input comprising an interaction via the electronic communication; and   responsive to the second input, delivering or supporting delivery of a web page reestablishing the pending transaction to the computing device of the buyer corresponding to the received second input.   
     
     
         12 . The method of  claim 11 , wherein the storing is based on input from the buyer. 
     
     
         13 . The method of  claim 12 , wherein the information regarding the pending transaction is stored in a buyer profile. 
     
     
         14 . The method of  claim 11 , wherein the information regarding the pending transaction is stored in a buyer profile. 
     
     
         15 . The method of  claim 11 , comprising receiving input completing a transaction involving the one or more products. 
     
     
         16 . The method of  claim 11 , comprising offering a promotion to the buyer via the computing device of the buyer as an incentive to the buyer to complete a transaction involving the one or more products. 
     
     
         17 . The method of  claim 16 , wherein the promotion is included in the electronic communication. 
     
     
         18 . The method of  claim 16 , wherein the promotion is included on the web page. 
     
     
         19 . The method of  claim 16 , wherein the promotion is included as part of the reestablished transaction. 
     
     
         20 . The method of  claim 11 , wherein the electronic communication includes at least a portion of the information regarding the pending transaction. 
     
     
         21 . The method of  claim 11 , wherein the electronic communication comprises a transaction reference number. 
     
     
         22 . The method of  claim 11 , wherein the electronic communication comprises an email. 
     
     
         23 . The method of  claim 11 , wherein the interaction comprises a single mouse click. 
     
     
         24 . The method of  claim 11 , comprising determining whether one or more changes have occurred to the information regarding the pending transaction before sending the electronic communication, and if so, identifying the changes in the electronic communication. 
     
     
         25 . The method of  claim 24 , wherein identifying the changes comprises identifying a better price. 
     
     
         26 . The method of  claim 11 , comprising determining whether one or more changes have occurred to the information regarding the pending transaction, and if so, updating the information regarding the pending transaction based on the changes. 
     
     
         27 . The method of  claim 26 , wherein updating the information comprises including a better price. 
     
     
         28 . The method of  claim 26 , comprising communicating the updated information regarding the pending transaction when reestablishing the pending transaction. 
     
     
         29 . The method of  claim 28 , wherein a promotion is included as part of the updated information. 
     
     
         30 . The method of  claim 11 , wherein the one or more predefined conditions comprises a time threshold. 
     
     
         31 . The method of  claim 11 , comprising identifying to the buyer via the computing device of the buyer, one or more additional products that are related to the one or more products. 
     
     
         32 . The method of  claim 31 , wherein the one or more additional products is identified in the electronic communication. 
     
     
         33 . A method performed by a first server system of a first entity in support of online transactions, the method comprising:
 receiving first input from a computing device of a buyer, the first input initiating but not completing a transaction relating to one or more products;   identifying the transaction as a pending transaction;   storing information regarding the pending transaction;   determining whether one or more predefined conditions has been met;   if the one or more predefined conditions has been met, sending an electronic communication to the buyer reminding the buyer regarding the pending transaction;   receiving second input from a computing device of the buyer, the second input comprising an interaction via the electronic communication; and   wherein, responsive to the second input, a web page is delivered to the computing device of the buyer corresponding to the received second input, the web page reestablishing the pending transaction.   
     
     
         34 . The method of  claim 33 , wherein the storing is based on input from the buyer. 
     
     
         35 . The method of  claim 34 , wherein the information regarding the pending transaction is stored in a buyer profile. 
     
     
         36 . The method of  claim 33 , wherein the information regarding the pending transaction is stored in a buyer profile. 
     
     
         37 . The method of  claim 33 , comprising receiving input completing a transaction involving the one or more products. 
     
     
         38 . The method of  claim 33 , comprising offering a promotion to the buyer via the computing device of the buyer as an incentive to the buyer to complete a transaction involving the one or more products. 
     
     
         39 . The method of  claim 38 , wherein the promotion is included in the electronic communication. 
     
     
         40 . The method of  claim 38 , wherein the promotion is included on the web page. 
     
     
         41 . The method of  claim 38 , wherein the promotion is included as part of the reestablished transaction. 
     
     
         42 . The method of  claim 33 , wherein the electronic communication includes at least a portion of the information regarding the pending transaction. 
     
     
         43 . The method of  claim 33 , wherein the electronic communication comprises a transaction reference number. 
     
     
         44 . The method of  claim 33 , wherein the electronic communication comprises an email. 
     
     
         45 . The method of  claim 33 , wherein the interaction comprises a single mouse click. 
     
     
         46 . The method of  claim 33 , comprising determining whether one or more changes have occurred to the information regarding the pending transaction before sending the electronic communication, and if so, identifying the changes in the electronic communication. 
     
     
         47 . The method of  claim 46 , wherein identifying the changes comprises identifying a better price. 
     
     
         48 . The method of  claim 33 , comprising determining whether one or more changes have occurred to the information regarding the pending transaction, and if so, updating the information regarding the pending transaction based on the changes. 
     
     
         49 . The method of  claim 48 , wherein updating the changes comprises identifying a better price. 
     
     
         50 . The method of  claim 48 , comprising communicating the updated information regarding the pending transaction when reestablishing the pending transaction. 
     
     
         51 . The method of  claim 50 , wherein a promotion is included as part of the updated information. 
     
     
         52 . The method of  claim 33 , wherein the one or more predefined conditions comprises a time threshold. 
     
     
         53 . The method of  claim 33 , comprising identifying to the buyer via the computing device of the buyer, one or more additional products that are related to the one or more products. 
     
     
         54 . The method of  claim 53 , wherein the one or more additional products is identified in the electronic communication.

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