Patents by Inventor Patrick Eberle
Patrick Eberle has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Publication number: 20240354847Abstract: Methods and systems are disclosed for providing approved financing in advance of a purchase to a buyer of an item, such as an automobile, and allowing the prospective buyer to maintain control over the financing throughout the sales process. According to disclosed embodiments, a financial service system configures a financing website for the buyer, and receives personal information as well as information relating to the desired item. The financial service system approves loan parameters for the buyer, and provides the user with a link to access the financing website on a mobile device while at a dealership. Financing parameters can thus be edited throughout the process until the final sales agreement, providing the buyer with confidence and flexibility in the buying process.Type: ApplicationFiled: May 17, 2024Publication date: October 24, 2024Applicant: Capital One Services, LLCInventors: Katherine D. FORRESTER, Patrick A. EBERLE, Nicholas DOLLE, Steven G. CHIAGOURIS, JoAnna R. HARTZMARK, Xiaoxiang ZHANG, Kurt JOHNSON, Kenneth S. CHILDS
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Patent number: 12002089Abstract: Methods and systems are disclosed for providing approved financing in advance of a purchase to a buyer of an item, such as an automobile, and allowing the prospective buyer to maintain control over the financing throughout the sales process. According to disclosed embodiments, a financial service system configures a financing website for the buyer, and receives personal information as well as information relating to the desired item. The financial service system approves loan parameters for the buyer, and provides the user with a link to access the financing website on a mobile device while at a dealership. Financing parameters can thus be edited throughout the process until the final sales agreement, providing the buyer with confidence and flexibility in the buying process.Type: GrantFiled: December 22, 2021Date of Patent: June 4, 2024Assignee: Capital One Services, LLCInventors: Katherine D. Forrester, Patrick A. Eberle, Nicholas Dolle, Steven G. Chiagouris, JoAnna R. Hartzmark, Xiaoxiang Zhang, Kurt Johnson, Kenneth S. Childs
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Publication number: 20230109330Abstract: Systems and methods are provided for calculating a savings amount for loan refinancing. According to one implementation, a method includes displaying a graphic user interface comprising a widget at a client device and receiving input data from a user regarding a loan. In some embodiments, the input data may include the user's credit level and the current monthly payment, APR, and payoff amount associated with the user's current loan. The method further includes determining a saving amount based on a comparison of the input data with historical savings data accessible to the widget, and displaying the savings amount in the graphic user interface.Type: ApplicationFiled: December 9, 2022Publication date: April 6, 2023Applicant: Capital One Services, LLCInventors: Adam SHACKLETON, Patrick EBERLE
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Patent number: 11551294Abstract: Systems and methods are provided for calculating a savings amount for loan refinancing. According to one implementation, a method includes displaying a graphic user interface comprising a widget at a client device and receiving input data from a user regarding a loan. In some embodiments, the input data may include the user's credit level and the current monthly payment, APR, and payoff amount associated with the user's current loan. The method further includes determining a saving amount based on a comparison of the input data with historical savings data accessible to the widget, and displaying the savings amount in the graphic user interface.Type: GrantFiled: February 11, 2022Date of Patent: January 10, 2023Assignee: Capital One Services, LLCInventors: Adam Shackleton, Patrick Eberle
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Publication number: 20220164880Abstract: Systems and methods are provided for calculating a savings amount for loan refinancing. According to one implementation, a method includes displaying a graphic user interface comprising a widget at a client device and receiving input data from a user regarding a loan. In some embodiments, the input data may include the user's credit level and the current monthly payment, APR, and payoff amount associated with the user's current loan. The method further includes determining a saving amount based on a comparison of the input data with historical savings data accessible to the widget, and displaying the savings amount in the graphic user interface.Type: ApplicationFiled: February 11, 2022Publication date: May 26, 2022Applicant: Capital One Services, LLCInventors: Adam Shackleton, Patrick Eberle
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Publication number: 20220114662Abstract: Methods and systems are disclosed for providing approved financing in advance of a purchase to a buyer of an item, such as an automobile, and allowing the prospective buyer to maintain control over the financing throughout the sales process. According to disclosed embodiments, a financial service system configures a financing website for the buyer, and receives personal information as well as information relating to the desired item. The financial service system approves loan parameters for the buyer, and provides the user with a link to access the financing website on a mobile device while at a dealership. Financing parameters can thus be edited throughout the process until the final sales agreement, providing the buyer with confidence and flexibility in the buying process.Type: ApplicationFiled: December 22, 2021Publication date: April 14, 2022Applicant: Capital One Services, LLCInventors: Katherine D. FORRESTER, Patrick A. EBERLE, Nicholas DOLLE, Steven G. CHIAGOURIS, Joanna R. HARTZMARK, Xiaxiang ZHANG, Kurt JOHNSON, Kenneth S. CHILDS
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Patent number: 11288737Abstract: Systems and methods are provided for calculating a savings amount for loan refinancing. According to one implementation, a method includes displaying a graphic user interface comprising a widget at a client device and receiving input data from a user regarding a loan. In some embodiments, the input data may include the user's credit level and the current monthly payment, APR, and payoff amount associated with the user's current loan. The method further includes determining a saving amount based on a comparison of the input data with historical savings data accessible to the widget, and displaying the savings amount in the graphic user interface.Type: GrantFiled: August 9, 2019Date of Patent: March 29, 2022Assignee: Capital One Services, LLCInventors: Adam Shackleton, Patrick Eberle
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Patent number: 11250504Abstract: Methods and systems are disclosed for providing approved financing in advance of a purchase to a buyer of an item, such as an automobile, and allowing the prospective buyer to maintain control over the financing throughout the sales process. According to disclosed embodiments, a financial service system configures a financing website for the buyer, and receives personal information as well as information relating to the desired item. The financial service system approves loan parameters for the buyer, and provides the user with a link to access the financing website on a mobile device while at a dealership. Financing parameters can thus be edited throughout the process until the final sales agreement, providing the buyer with confidence and flexibility in the buying process.Type: GrantFiled: November 4, 2019Date of Patent: February 15, 2022Assignee: Capital One Services, LLCInventors: Katherine D. Forrester, Patrick A. Eberle, Nicholas Dolle, Steven G. Chiagouris, Joanna R. Hartzmark, Xiaoxiang Zhang, Kurt Johnson, Kenneth S. Childs
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Patent number: 11093991Abstract: A system for providing a vehicle purchasing tool is disclosed. The system may include one or more memory devices storing software instructions. The system may also include one or more processors configured to execute the software instructions to receive a pre-qualification application, the pre-qualification application including customer-identifying information, access a vehicle inventory associated with a dealership, and identify vehicle information associated with at least one vehicle for sale at the dealership based on the pre-qualification application. The one or more processors may be further configured to execute the instructions to determine a pre-qualified offer based at least on the customer-identifying information and the vehicle information, the pre-qualified offer including a first loan term, and provide the pre-qualified offer and the vehicle information to a client device for display as part of the pre-qualified offer in conjunction with the vehicle information.Type: GrantFiled: June 5, 2020Date of Patent: August 17, 2021Assignee: CAPITAL ONE SERVICES. LLCInventors: Gurmeet Singh, Warren Ellison, Patrick Eberle, Adam Zedler, Kurt Wolf, Raman Bajaj, Jason Hoover
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Publication number: 20200302503Abstract: A system for providing a vehicle purchasing tool is disclosed. The system may include one or more memory devices storing software instructions. The system may also include one or more processors configured to execute the software instructions to receive a pre-qualification application, the pre-qualification application including customer-identifying information, access a vehicle inventory associated with a dealership, and identify vehicle information associated with at least one vehicle for sale at the dealership based on the pre-qualification application. The one or more processors may be further configured to execute the instructions to determine a pre-qualified offer based at least on the customer-identifying information and the vehicle information, the pre-qualified offer including a first loan term, and provide the pre-qualified offer and the vehicle information to a client device for display as part of the pre-qualified offer in conjunction with the vehicle information.Type: ApplicationFiled: June 5, 2020Publication date: September 24, 2020Inventors: Gurmeet SINGH, Warren ELLISON, Patrick EBERLE, Adam ZEDLER, Kurt WOLF, Raman BAJAJ, Jason HOOVER
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Patent number: 10679271Abstract: A system for providing a vehicle purchasing tool is disclosed. The system may include one or more memory devices storing software instructions. The system may also include one or more processors configured to execute the software instructions to receive a pre-qualification application, the pre-qualification application including customer-identifying information, access a vehicle inventory associated with a dealership, and identify vehicle information associated with at least one vehicle for sale at the dealership based on the pre-qualification application. The one or more processors may be further configured to execute the instructions to determine a pre-qualified offer based at least on the customer-identifying information and the vehicle information, the pre-qualified offer including a first loan term, and provide the pre-qualified offer and the vehicle information to a client device for display as part of the pre-qualified offer in conjunction with the vehicle information.Type: GrantFiled: March 5, 2018Date of Patent: June 9, 2020Assignee: Capital One Services, LLCInventors: Gurmeet Singh, Warren Ellison, Patrick Eberle, Adam Zedler, Kurt Wolf, Raman Bajaj, Jason Hoover
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Publication number: 20200065898Abstract: Methods and systems are disclosed for providing approved financing in advance of a purchase to a buyer of an item, such as an automobile, and allowing the prospective buyer to maintain control over the financing throughout the sales process. According to disclosed embodiments, a financial service system configures a financing website for the buyer, and receives personal information as well as information relating to the desired item. The financial service system approves loan parameters for the buyer, and provides the user with a link to access the financing website on a mobile device while at a dealership. Financing parameters can thus be edited throughout the process until the final sales agreement, providing the buyer with confidence and flexibility in the buying process.Type: ApplicationFiled: November 4, 2019Publication date: February 27, 2020Applicant: CAPITAL ONE SERVICES, LLCInventors: Katherine D. Forrester, Patrick A. Eberle, Nicholas Dolle, Steven G. Chiagouris, JoAnna R. Hartzmark, Xiaoxiang Zhang, Kurt Johnson, Kenneth S. Childs
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Publication number: 20190362421Abstract: Systems and methods are provided for calculating a savings amount for loan refinancing. According to one implementation, a method includes displaying a graphic user interface comprising a widget at a client device and receiving input data from a user regarding a loan. In some embodiments, the input data may include the user's credit level and the current monthly payment, APR, and payoff amount associated with the user's current loan. The method further includes determining a saving amount based on a comparison of the input data with historical savings data accessible to the widget, and displaying the savings amount in the graphic user interface.Type: ApplicationFiled: August 9, 2019Publication date: November 28, 2019Inventors: Adam Shackleton, Patrick Eberle
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Patent number: 10467690Abstract: Methods and systems are disclosed for providing approved financing in advance of a purchase to a buyer of an item, such as an automobile, and allowing the prospective buyer to maintain control over the financing throughout the sales process. According to disclosed embodiments, a financial service system configures a financing website for the buyer, and receives personal information as well as information relating to the desired item. The financial service system approves loan parameters for the buyer, and provides the user with a link to access the financing website on a mobile device while at a dealership. Financing parameters can thus be edited throughout the process until the final sales agreement, providing the buyer with confidence and flexibility in the buying process.Type: GrantFiled: November 30, 2017Date of Patent: November 5, 2019Assignee: Capital One Services, LLCInventors: Katherine D. Forrester, Patrick A. Eberle, Nicholas Dolle, Steven G. Chiagouris, JoAnna R. Hartzmark, Xiaoxiang Zhang, Kurt Johnson, Kenneth S. Childs
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Patent number: 10410282Abstract: Systems and methods are provided for calculating a savings amount for loan refinancing. According to one implementation, a method includes displaying a graphic user interface comprising a widget at a client device and receiving input data from a user regarding a loan. In some embodiments, the input data may include the user's credit level and the current monthly payment, APR, and payoff amount associated with the user's current loan. The method further includes determining a saving amount based on a comparison of the input data with historical savings data accessible to the widget, and displaying the savings amount in the graphic user interface.Type: GrantFiled: September 2, 2014Date of Patent: September 10, 2019Assignee: Capital One Services, LLCInventors: Adam Shackleton, Patrick Eberle
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Publication number: 20180197222Abstract: A system for providing a vehicle purchasing tool is disclosed. The system may include one or more memory devices storing software instructions. The system may also include one or more processors configured to execute the software instructions to receive a pre-qualification application, the pre-qualification application including customer-identifying information, access a vehicle inventory associated with a dealership, and identify vehicle information associated with at least one vehicle for sale at the dealership based on the pre-qualification application. The one or more processors may be further configured to execute the instructions to determine a pre-qualified offer based at least on the customer-identifying information and the vehicle information, the pre-qualified offer including a first loan term, and provide the pre-qualified offer and the vehicle information to a client device for display as part of the pre-qualified offer in conjunction with the vehicle information.Type: ApplicationFiled: March 5, 2018Publication date: July 12, 2018Inventors: Gurmeet Singh, Warren Ellison, Patrick Eberle, Adam Zedler, Kurt Wolf, Raman Bajaj, Jason Hoover
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Publication number: 20180089757Abstract: Methods and systems are disclosed for providing approved financing in advance of a purchase to a buyer of an item, such as an automobile, and allowing the prospective buyer to maintain control over the financing throughout the sales process. According to disclosed embodiments, a financial service system configures a financing website for the buyer, and receives personal information as well as information relating to the desired item. The financial service system approves loan parameters for the buyer, and provides the user with a link to access the financing website on a mobile device while at a dealership. Financing parameters can thus be edited throughout the process until the final sales agreement, providing the buyer with confidence and flexibility in the buying process.Type: ApplicationFiled: November 30, 2017Publication date: March 29, 2018Inventors: Katherine D. Forrester, Patrick A. Eberle, Nicholas Dolle, Steven G. Chiagouris, JoAnna R. Hartzmark, Xiaoxiang Zhang, Kurt Johnson, Kenneth S. Childs
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Publication number: 20160321726Abstract: A system for providing a vehicle purchasing tool is disclosed. The system may include one or more memory devices storing software instructions. The system may also include one or more processors configured to execute the software instructions to receive a pre-qualification application, the pre-qualification application including customer-identifying information, access a vehicle inventory associated with a dealership, and identify vehicle information associated with at least one vehicle for sale at the dealership based on the pre-qualification application. The one or more processors may be further configured to execute the instructions to determine a pre-qualified offer based at least on the customer-identifying information and the vehicle information, the pre-qualified offer including a first loan term, and provide the pre-qualified offer and the vehicle information to a client device for display as part of the pre-qualified offer in conjunction with the vehicle information.Type: ApplicationFiled: April 29, 2016Publication date: November 3, 2016Inventors: Gurmeet SINGH, Warren Ellison, Patrick Eberle, Adam Zedler, Kurt Wolf, Raman Bajaj, Jason Hoover
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Publication number: 20150073903Abstract: Systems and methods are provided for calculating a savings amount for loan refinancing. According to one implementation, a method includes displaying a graphic user interface comprising a widget at a client device and receiving input data from a user regarding a loan. In some embodiments, the input data may include the user's credit level and the current monthly payment, APR, and payoff amount associated with the user's current loan. The method further includes determining a saving amount based on a comparison of the input data with historical savings data accessible to the widget, and displaying the savings amount in the graphic user interface.Type: ApplicationFiled: September 2, 2014Publication date: March 12, 2015Inventors: Adam Shackleton, Patrick Eberle
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Publication number: 20150039490Abstract: Methods and systems are disclosed for providing approved financing in advance of a purchase to a buyer of an item, such as an automobile, and allowing the prospective buyer to maintain control over the financing throughout the sales process. According to disclosed embodiments, a financial service system configures a financing website for the buyer, and receives personal information as well as information relating to the desired item. The financial service system approves loan parameters for the buyer, and provides the user with a link to access the financing website on a mobile device while at a dealership. Financing parameters can thus be edited throughout the process until the final sales agreement, providing the buyer with confidence and flexibility in the buying process.Type: ApplicationFiled: July 29, 2014Publication date: February 5, 2015Applicant: Capital One Financial CorporationInventors: KATHERINE D. FORRESTER, Patrick A. Eberle, Nicholas Dolle, Steven G. Chiagouris, JoAnna R. Hartzmark, Xiaoxiang Zhang, Kurt Johnson, Kenneth S. Childs