Abstract: One embodiment comprises data processing system comprising a data store storing a set of inventory records for a program pool of vehicles, a processor and a memory coupled to the processor storing a set of computer executable instructions. The set of computer executable instructions may be executable to receive, from a mobile application, a selection of a vehicle from the program pool, retrieve the inventory record for the selected vehicle, create, at the server, an order to capture information about a transaction, receive a request from the mobile application to view an electronic document associated with the selected vehicle; responsive to the request to view the electronic document, automatically populate the electronic document with the order information; and communicate the electronic document to the mobile application for presentation in the operator interface of a mobile device.

Abstract: Systems, methods and products for determining a consumer-facing price using a demand model that is generated based on historical transactional data. One embodiment comprises a method implemented in a pricing module of an automotive data processing system. Data that identifies a consumer (or consumer group) and a vehicle type are received and the demand model is accessed to generate a payment corresponding to the attributes of the consumer and the attributes of the vehicle type. The demand model may be implemented in a machine learning engine that maintains a set of weights ? used in a predictive demand function. The weights are adjusted by the machine learning engine to minimize a loss function which measures deviation of demand estimated by the predictive demand function from the demand indicated by a set of historical transaction data.

Abstract: One embodiment comprises data processing system comprising a data store storing a set of inventory records for a program pool of vehicles, a processor and a memory coupled to the processor storing a set of computer executable instructions. The set of computer executable instructions may be executable to receive, from a mobile application, a selection of a vehicle from the program pool, retrieve the inventory record for the selected vehicle, create, at the server, an order to capture information about a transaction, receive a request from the mobile application to view an electronic document associated with the selected vehicle; responsive to the request to view the electronic document, automatically populate the electronic document with the order information; and communicate the electronic document to the mobile application for presentation in the operator interface of a mobile device.

Abstract: Systems, methods and products for determining a consumer-facing price using a demand model that is generated based on historical transactional data. One embodiment comprises a method implemented in a pricing module of an automotive data processing system. Data that identifies a consumer (or consumer group) and a vehicle type are received and the demand model is accessed to generate a payment corresponding to the attributes of the consumer and the attributes of the vehicle type. The demand model may be implemented in a machine learning engine that maintains a set of weights ? used in a predictive demand function. The weights are adjusted by the machine learning engine to minimize a loss function which measures deviation of demand estimated by the predictive demand function from the demand indicated by a set of historical transaction data.

Abstract: Systems, methods and products for determining a consumer-facing price using a demand model that is generated based on historical transactional data. One embodiment comprises a method implemented in a pricing module of an automotive data processing system. Data that identifies a consumer (or consumer group) and a vehicle type are received and the demand model is accessed to generate a payment corresponding to the attributes of the consumer and the attributes of the vehicle type. The demand model may be implemented in a machine learning engine that maintains a set of weights ? used in a predictive demand function. The weights are adjusted by the machine learning engine to minimize a loss function which measures deviation of demand estimated by the predictive demand function from the demand indicated by a set of historical transaction data.

Abstract: A computer system that provides a low friction operator interface on a mobile device is disclosed. The computer system can comprise a mobile device processor and a mobile application. The mobile application is executable to present a graphical user interface at the mobile device, the graphical user interface comprising series of application pages having inputs for a limited set of user record information; receive the limited set of user record information via the user interface; enhance the limited set of user record information with personally identifiable information extracted from an image and send the enhanced set of user record information to a server for processing.

Abstract: One embodiment comprises data processing system comprising a data store storing a set of inventory records for a program pool of vehicles, a processor and a memory coupled to the processor storing a set of computer executable instructions. The set of computer executable instructions may be executable to receive, from a mobile application, a selection of a vehicle from the program pool, retrieve the inventory record for the selected vehicle, create, at the server, an order to capture information about a transaction, receive a request from the mobile application to view an electronic document associated with the selected vehicle; responsive to the request to view the electronic document, automatically populate the electronic document with the order information; and communicate the electronic document to the mobile application for presentation in the operator interface of a mobile device.

Abstract: One embodiment comprises data processing system comprising a data store storing a set of inventory records for a program pool of vehicles, a processor and a memory coupled to the processor storing a set of computer executable instructions. The set of computer executable instructions may be executable to receive, from a mobile application, a selection of a vehicle from the program pool, retrieve the inventory record for the selected vehicle, create, at the server, an order to capture information about a transaction, receive a request from the mobile application to view an electronic document associated with the selected vehicle; responsive to the request to view the electronic document, automatically populate the electronic document with the order information; and communicate the electronic document to the mobile application for presentation in the operator interface of a mobile device.

Abstract: One embodiment comprises a rules-based data processing system comprising a data store storing a set of machine learning model-based depreciation models, each depreciation model having an associated vehicle year/make/model/trim, and payment rules to determine payment schedules for vehicles using the set of depreciation curves. The rules-based data processing system can further comprise a processor and a memory coupled to the processor storing a set of computer executable instructions. The set of computer executable instructions executable to receive a first set of inventory feed records, each inventory feed record in the first set of inventory feed records comprising a vehicle identification number (VIN), dealer price and mileage and apply a first set of filter rules to the first set of inventory feed records to identify a second set of inventory feed records corresponding to vehicles having year/make/model/trim for which a depreciation curve is stored in the data store.

Abstract: One embodiment comprises a rules-based data processing system comprising a data store storing a set of machine learning model-based depreciation models, each depreciation model having an associated vehicle year/make/model/trim, and payment rules to determine payment schedules for vehicles using the set of depreciation curves. The rules-based data processing system can further comprise a processor and a memory coupled to the processor storing a set of computer executable instructions. The set of computer executable instructions executable to receive a first set of inventory feed records, each inventory feed record in the first set of inventory feed records comprising a vehicle identification number (VIN), dealer price and mileage and apply a first set of filter rules to the first set of inventory feed records to identify a second set of inventory feed records corresponding to vehicles having year/make/model/trim for which a depreciation curve is stored in the data store.

Abstract: A computer system that provides a low friction operator interface on a mobile device is disclosed. The computer system can comprise a mobile device processor and a mobile application. The mobile application is executable to present a graphical user interface at the mobile device, the graphical user interface comprising series of application pages having inputs for a limited set of user record information; receive the limited set of user record information via the user interface; enhance the limited set of user record information with personally identifiable information extracted from an image and send the enhanced set of user record information to a server for processing.

Abstract: One embodiment comprises data processing system comprising a data store storing a set of inventory records for a program pool of vehicles, a processor and a memory coupled to the processor storing a set of computer executable instructions. The set of computer executable instructions may be executable to receive, from a mobile application, a selection of a vehicle from the program pool, retrieve the inventory record for the selected vehicle, create, at the server, an order to capture information about a transaction, receive a request from the mobile application to view an electronic document associated with the selected vehicle; responsive to the request to view the electronic document, automatically populate the electronic document with the order information; and communicate the electronic document to the mobile application for presentation in the operator interface of a mobile device.

Abstract: One embodiment comprises a rules-based data processing system. The rules-based data processing system can comprise a processor and a memory coupled to the processor storing a set of computer executable instructions. The rules-based data processing system can use pre-calculated payment schedules to automatically populate a requested electronic document. The rules-based data processing system communicates the electronic document to the mobile application for presentation in the operator interface of a mobile device. The rules-based data processing system can further comprise a data store storing a set of depreciation models, each depreciation model having an associated vehicle year/make/model/trim, and payment rules to determine payment schedules for vehicles using the set of depreciation models.

Abstract: A rules/model-based data processing system that approves applications by users of the data processing system based on data from distributed sources. The system is configured to receive a request to approve a user application, access rules/models that fit the goal of approving the user application, obtain data from distributed sources, apply rules/models to generate processed data and determines if the obtained or processed data fits the rules. The system comprises a server configured to access the approval rules based on a request from a mobile application to approve the user application, the approval rules referencing information provider data from a remote information provider system. The server can connect to the remote information provider system to retrieve, using personally identifiable information from the user application, the set of information provider data referenced and approve the user application based on the application of the approval rules to the information provider data.

Abstract: A system comprising a server coupled to a data store storing a set of approval rules, a set of APIs specifically configured for a plurality of remote information data provider systems. The system comprising a mobile device comprising the mobile application executable to provide a low friction user interface to allow a user to enter a limited amount of personally identifiable information and an image of an identification document, enhance the limited amount of personally identifiable information with personally identifiable information extracted from the identification document to create an enhanced set of personally identifiable information. The server configured to approve a user application based on the enhanced set of personally identifiable information and other application data received from the mobile application. The server and mobile application cooperating to allow the user to complete a transaction via the server based on the approval.