Systems and methods for real-time processing of resource requests

Abstract

A processor-implemented method is disclosed. The method includes: providing, via a first user interface on a client device, user interface elements corresponding to one or more preferred rates of resource borrowing; receiving, via the client device, a dealer lead input indicating a selection of a vehicle, a selection of a first user interface element corresponding to a first preferred rate of resource borrowing, and an identifier of a dealer for the selected vehicle; providing a second user interface associated with a service for generating resource requests, the second user interface being accessible by computing systems associated with one or more dealers; and in response to receiving the dealer lead input, control display of resource request parameter data on the second user interface, the controlling including: receiving, via the second user interface from a first computing system associated with the identified dealer, a request to generate a resource request in connection with the selected vehicle; and enabling, via the second user interface, selection of a second user interface element corresponding to the first preferred rate of resource borrowing for the resource request.

1 . A computing system, comprising:
 a processor; and   a memory coupled to the processor, the memory storing computer-executable instructions that, when executed by the processor, configure the processor to:
 provide, via a first user interface on a client device, user interface elements corresponding to one or more preferred rates of resource borrowing; 
 receive, via the client device, a dealer lead input indicating a selection of a vehicle, a selection of a first user interface element corresponding to a first preferred rate of resource borrowing, and an identifier of a dealer for the selected vehicle; 
 provide a second user interface associated with a service for generating resource requests, the second user interface being accessible by computing systems associated with one or more dealers; and 
 in response to receiving the dealer lead input, control display of resource request parameter data on the second user interface, the controlling including:
 receiving, via the second user interface from a first computing system associated with the identified dealer, a request to generate a resource request in connection with the selected vehicle; and 
 enabling, via the second user interface, selection of a second user interface element corresponding to the first preferred rate of resource borrowing for the resource request. 
 
   
     
     
         2 . The computing system of  claim 1 , wherein the instructions, when executed, further configure the processor to detect a trigger action initiated on the client device based on input received via the first user interface and wherein the user interface elements corresponding to the one or more preferred rates of resource borrowing are provided via the first user interface in response to detecting the trigger action. 
     
     
         3 . The computing system of  claim 2 , wherein detecting the trigger action comprises one of:
 receiving, via the client device, a pre-qualification request for qualifying to borrow a first quantity of resources from a resource lender entity;   receiving, via the client device, a user input indicating an association of a selected vehicle with a dealer;   receiving, via the client device, a request to perform a credit check for the entity;   receiving, from a loan origination system, an indication of approval for resource borrowing in connection with the selected vehicle;   determining that the entity has referred a new user to a service administered via the computing system; or   receiving, via the client device, a request to access the selected vehicle.   
     
     
         4 . The computing system of  claim 1 , wherein the instructions, when executed, further configure the processor to:
 identify a first digital channel through which the dealer lead input is received from the client device; and   verify that the first digital channel is approved for the first preferred rate of resource borrowing.   
     
     
         5 . The computing system of  claim 1 , wherein the instructions, when executed, further configure the processor to determine a geographic region associated with the client device, and wherein the selection of the second user interface element is enabled in response to determining that an entity associated with the client device is associated with a first geographic region. 
     
     
         6 . The computing system of  claim 1 , wherein the instructions, when executed, further configure the processor to:
 obtain, from a database, resource accounts data for an entity associated with the client device, the resource accounts data indicating a quantity of resources contained in one or more accounts associated with the entity; and   send, to a computing system associated with the identified dealer, the resource accounts data for the entity.   
     
     
         7 . A computing system, comprising:
 a processor; and   a memory coupled to the processor, the memory storing computer-executable instructions that, when executed by the processor, configure the processor to:
 generate a first code associated with one or more preferred rates of resource borrowing; 
 provide, via a first user interface on a client device, the first code and user interface elements corresponding to the one or more preferred rates of resource borrowing; 
 receive, via the client device, a dealer lead input indicating a selection of a vehicle, a selection of a first user interface element corresponding to a first preferred rate of resource borrowing, and an identifier of a dealer for the selected vehicle; 
 provide a second user interface associated with a service for generating resource requests, the second user interface being accessible by computing systems associated with one or more dealers; and 
 in response to receiving the dealer lead input, control display of resource request parameter data on the second user interface, the controlling including:
 providing, to a first computing system associated with the identified dealer, the first code; 
 receiving, via the second user interface, a request to generate a resource request in connection with the selected vehicle; and 
 enabling, via the second user interface, selection of a second user interface element corresponding to the first preferred rate of resource borrowing for the resource request, the second user interface element being enabled only upon input of the first code via the second user interface. 
 
   
     
     
         8 . The computing system of  claim 7 , wherein the instructions, when executed, further configure the processor to detect a trigger action initiated on the client device based on input received via the first user interface and wherein the user interface elements corresponding to the one or more preferred rates of resource borrowing are provided via the first user interface in response to detecting the trigger action. 
     
     
         9 . The computing system of  claim 8 , wherein detecting the trigger action comprises one of:
 receiving, via the client device, a pre-qualification request for qualifying to borrow a first quantity of resources from a resource lender entity;   receiving, via the client device, a user input indicating an association of a selected vehicle with a dealer;   receiving, via the client device, a request to perform a credit check for the entity;   receiving, from a loan origination system, an indication of approval for resource borrowing in connection with the selected vehicle;   determining that the entity has referred a new user to a service administered via the computing system; or   receiving, via the client device, a request to access the selected vehicle.   
     
     
         10 . The computing system of  claim 7 , wherein the instructions, when executed, further configure the processor to:
 receive the resource request from the first computing system associated with the identified dealer, the resource request including an indication of a code; and   verify that the code included in the resource request matches the first code.   
     
     
         11 . A processor-implemented method, comprising:
 providing, via a first user interface on a client device, user interface elements corresponding to one or more preferred rates of resource borrowing;   receiving, via the client device, a dealer lead input indicating a selection of a vehicle, a selection of a first user interface element corresponding to a first preferred rate of resource borrowing, and an identifier of a dealer for the selected vehicle;   providing a second user interface associated with a service for generating resource requests, the second user interface being accessible by computing systems associated with one or more dealers; and   in response to receiving the dealer lead input, control display of resource request parameter data on the second user interface, the controlling including:
 receiving, via the second user interface from a first computing system associated with the identified dealer, a request to generate a resource request in connection with the selected vehicle; and 
 enabling, via the second user interface, selection of a second user interface element corresponding to the first preferred rate of resource borrowing for the resource request. 
   
     
     
         12 . The method of  claim 11 , further comprising detecting a trigger action initiated on the client device based on input received via the first user interface, wherein the user interface elements corresponding to the one or more preferred rates of resource borrowing are provided via the first user interface in response to detecting the trigger action. 
     
     
         13 . The method of  claim 12 , wherein detecting the trigger action comprises one of:
 receiving, via the client device, a pre-qualification request for qualifying to borrow a first quantity of resources from a resource lender entity;   receiving, via the client device, a user input indicating an association of a selected vehicle with a dealer;   receiving, via the client device, a request to perform a credit check for the entity;   receiving, from a loan origination system, an indication of approval for resource borrowing in connection with the selected vehicle;   determining that the entity has referred a new user to a service administered via a computing system; or   receiving, via the client device, a request to access the selected vehicle.   
     
     
         14 . The method of  claim 11 , further comprising:
 identifying a first digital channel through which the dealer lead input is received from the client device; and   verifying that the first digital channel is approved for the first preferred rate of resource borrowing.   
     
     
         15 . The method of  claim 11 , further comprising determining a geographic region associated with the client device, and wherein the option for the identified dealer to select the first preferred rate of resource borrowing for the resource request is provided in response to determining that the entity is associated with a first geographic region. 
     
     
         16 . The method of  claim 11 , further comprising:
 obtaining, from a database, resource accounts data for the entity, the resource accounts data indicating a quantity of resources contained in one or more accounts associated with the entity; and   sending, to a computing system associated with the identified dealer, the resource accounts data for the entity.   
     
     
         17 . A processor-implemented method, comprising:
 generating a first code associated with one or more preferred rates of resource borrowing;   providing, via a first user interface on a client device, the first code and user interface elements corresponding to the one or more preferred rates of resource borrowing;   receiving, via the client device, a dealer lead input indicating a selection of a vehicle, a selection of a first user interface element corresponding to a first preferred rate of resource borrowing, and an identifier of a dealer for the selected vehicle;   providing a second user interface associated with a service for generating resource requests, the second user interface being accessible by computing systems associated with one or more dealers; and   in response to receiving the dealer lead input, control display of resource request parameter data on the second user interface, the controlling including:
 providing, to a first computing system associated with the identified dealer, the first code; 
 receiving, via the second user interface, a request to generate a resource request in connection with the selected vehicle; and 
 enabling, via the second user interface, selection of a second user interface element corresponding to the first preferred rate of resource borrowing for the resource request, the second user interface element being enabled only upon input of the first code via the second user interface. 
   
     
     
         18 . The method of  claim 11 , further comprising detecting a trigger action initiated on the client device based on input received via the first user interface, wherein the user interface elements corresponding to the one or more preferred rates of resource borrowing are provided via the first user interface in response to detecting the trigger action. 
     
     
         19 . The method of  claim 17 , wherein detecting the trigger action comprises one of:
 receiving, via the client device, a pre-qualification request for qualifying to borrow a first quantity of resources from a resource lender entity;   receiving, via the client device, a user input indicating an association of a selected vehicle with a dealer;   receiving, via the client device, a request to perform a credit check for the entity;   receiving, from a loan origination system, an indication of approval for resource borrowing in connection with the selected vehicle;   determining that the entity has referred a new user to a service administered via a computing system; or   receiving, via the client device, a request to access the selected vehicle.   
     
     
         20 . The method of  claim 17 , further comprising:
 receiving the resource request from the first computing system associated with the identified dealer, the resource request including an indication of a code; and   verifying that the code included in the resource request matches the first code.