Patent ID: 8392294

Claim:
A finance management system for integrating the sale and finance of an item for purchase by an applicant, the system including: a central processor for executing a program, the program comprising: an inventory module having at least financial data relating to the item for purchase; a finance module for receiving application data and credit data relating to the applicant for purchase of the item, and for further receiving deal structure data based on at least the financial data relating to the item for purchase; a lender module for receiving finance data criteria from a lender representing applicant qualification for purchase of the item; and an automated decision engine for determining the finance qualification of the applicant, and for facilitating a finance deal between the applicant and the lender based on said finance qualification of the applicant; wherein the decision engine receives the application data, the credit data, the deal structure data, and the finance data criteria; and wherein the decision engine includes a filter for comparing the application data, credit data, and the deal structure data with the one or more finance data criteria, determining the finance qualification of the applicant based on the comparison, and automatically providing a result presentation of the finance qualification of the applicant.