Patent ID: 11915291
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 19:
20. A computer-implemented method, comprising:
causing a customer device associated with a customer to display a user portal that includes one or more interactive objects configured to receive input of customer criteria from the customer via the customer device;
receiving qualification information from a service database;
receiving, from the customer device, a customer submission including the input customer criteria and a request entered by the customer via the customer device to provide the customer submission to a merchant device, wherein the customer criteria includes (i) at least one customer criterion based on the qualification information received from the service database and (ii) one or more of a vehicle price, a loan term, a down payment, a trade-in value, an insurance cost, a merchant fee, a loan interest rate, an amount of financing, a service contract cost, a tax cost, a title fee, a license fee, or a monthly payment amount;
in response to receiving the request, automatically causing the merchant device to display a merchant portal that includes one or more further interactive objects configured to receive input of merchant criteria from a merchant associated with the merchant device;
receiving, from the merchant device, a reply including the merchant criteria entered by the merchant via the merchant device; and
in response to receiving the reply, automatically:
determining a variance between the customer criteria and the merchant criteria;
determining whether the variance reflects a customer benefit for at least a portion of the customer criteria; and
causing the customer device to update the display of the user portal so as to include a visual indication of the customer benefit and the variance.