Systems and methods for exporting auto finance information

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.

1 .- 20 . (canceled) 
     
     
         21 . A financial service system for providing personalized financing information determinations, comprising:
 memory hardware storing instructions; and   processing hardware configured to execute the instructions to perform operations, comprising:
 providing an Application Programming Interface (API) that is accessible by a dealership server and configured to provide personalized financing information determinations to the dealership server; 
 receiving, from the dealership server, a loan request from a buyer via a dealership website associated with the dealership server, the loan request comprising:
 personal identification information of the buyer; 
 personal financial information of the buyer; and 
 information associated with an inventory item listed on the dealership website; 
 
 generating a personalized financing information determination based on the received loan request, the determination comprising prospective financing terms specific to:
 the inventory item; 
 the personal identification information of the buyer; and 
 the personal financial information of the buyer; 
 
 providing, via the API, the personalized financing information determination to the dealership website via the dealership server to display the determination on the dealership website with the inventory item; 
 receiving an input, via the dealership website, to adjust the prospective financing terms; 
 updating the personalized financing information determination; and 
 providing, via the API, the updated personalized financing information determination to the dealership website via the dealership server to display the updated determination on the dealership website with the inventory item. 
   
     
     
         22 . The system of  claim 21 , wherein the API provides the personalized financing information determination to the dealership website via the dealership server in an Extensible Markup Language (XML) format. 
     
     
         23 . The system of  claim 21 , wherein the API provides the personalized financing information determination to the dealership website via the dealership server in a JavaScript Object Notation (JSON) format. 
     
     
         24 . The system of  claim 21 , wherein the item comprises at least one of an automobile of a specific type, an automobile at a particular location, or an automobile within a price range set by the buyer. 
     
     
         25 . The system of  claim 21 , wherein the item comprises a vehicle and the loan request indicates at least one of a vehicle identification number, buyer proof of income, buyer proof of insurance, a backend product, gap insurance, a buyer loan optimization preference, or a third party offer. 
     
     
         26 . The system of  claim 21 , wherein generating the determination comprises determining an interest rate, a loan duration, a number of loan payments, an amount per loan payment, or fees associated with a loan. 
     
     
         27 . The system of  claim 21 , wherein the operations further comprise providing the loan request to a third party. 
     
     
         28 . The system of  claim 21 , wherein the items comprise a plurality of vehicles. 
     
     
         29 . The system of  claim 28 , wherein providing the determination comprises providing financing terms for each of the plurality of vehicles. 
     
     
         30 . The system of  claim 29 , wherein the determination comprises different financing terms for each of the plurality of vehicles. 
     
     
         31 . A method for providing personalized financing information determinations, comprising:
 providing an Application Programming Interface (API) that is accessible by a dealership server and configured to provide personalized financing information determinations to the dealership server;   receiving, from the dealership server, a loan request from a buyer via a dealership website associated with the dealership server, the loan request comprising:
 personal identification information of the buyer; 
 personal financial information of the buyer; and 
 information associated with an inventory item listed on the dealership website; 
   generating a personalized financing information determination based on the received loan request, the determination comprising prospective financing terms specific to:
 the inventory item; 
 the personal identification information of the buyer; and 
 the personal financial information of the buyer; 
   providing, via the API, the personalized financing information determination to the dealership website via the dealership server to display the determination on the dealership website with the inventory item;   receiving an input, via the dealership website, to adjust the prospective financing terms;   updating the personalized financing information determination; and   providing, via the API, the updated personalized financing information determination to the dealership website via the dealership server to display the updated determination on the dealership website with the inventory item.   
     
     
         32 . The method of  claim 31 , wherein the API provides the personalized financing information determination to the dealership website via the dealership server in an Extensible Markup Language (XML) format. 
     
     
         33 . The method of  claim 31 , wherein the API provides the personalized financing information determination to the dealership website via the dealership server in a JavaScript Object Notation (JSON) format. 
     
     
         34 . The method of  claim 31 , wherein the item comprises at least one of an automobile of a specific type, an automobile at a particular location, or an automobile within a price range set by the buyer. 
     
     
         35 . The method of  claim 31 , wherein the item comprises a vehicle and the loan request indicates at least one of a vehicle identification number, buyer proof of income, buyer proof of insurance, a backend product, gap insurance, a buyer loan optimization preference, or a third party offer. 
     
     
         36 . The method of  claim 31 , wherein generating the determination comprises determining an interest rate, a loan duration, a number of loan payments, an amount per loan payment, or fees associated with a loan. 
     
     
         37 . The method of  claim 31 , wherein the operations further comprise providing the loan request to a third party. 
     
     
         38 . The method of  claim 31 , wherein the items comprise a plurality of vehicles. 
     
     
         39 . The method of  claim 38 , wherein providing the determination comprises providing financing terms for each of the plurality of vehicles. 
     
     
         40 . The method of  claim 31 , wherein the determination comprises different financing terms for each of the plurality of vehicles.