Granted Patent B1

US 12,361,485 · App. 18/752,384 · Granted Jul 15, 2025

Inventor: Sean C. Smith (Hendersonville, TN)

Assignee: Auto I.D., Inc.

G06Q40/03G06F16/22G06F16/955

Abstract

Claims (53)

1. A computer-implemented method of generating comprehensive vehicle data, the computer-implemented method comprising:

electronically accessing, a set of comprehensive original vehicle data for one or more vehicles of a plurality of vehicles from a third-party via an electronic link to a communications network comprising one or more electronic networks, wherein each set of comprehensive original vehicle data includes information from one or more vehicle manufacturers and a unique vehicle identifier, each set of comprehensive original vehicle data including:

standard vehicle data associated with the unique vehicle identifier, the standard vehicle data being coded by a respective vehicle manufacturer of the one or more vehicle manufacturers, and

factory vehicle build data associated with the unique vehicle identifier, the factory vehicle build data comprising original raw vehicle build data which is not included within the standard vehicle data and is not coded by the respective vehicle manufacturer into the unique vehicle identifier;

receiving a vehicle information request from a client via a client request interface, the vehicle information request including a first vehicle identifier;

automatically generating a vehicle trim level attribute value based on a first set of comprehensive original vehicle data for a first vehicle identified by the first vehicle identifier;

comparing the vehicle trim level attribute value to original vehicle loan data for the first vehicle;

identifying one or more inconsistencies between the vehicle trim level attribute value and the original vehicle loan data; and

generating instructions for a client response interface to display vehicle data from the first set of comprehensive original vehicle data and the one or more inconsistencies.

2. The computer-implemented method of claim 1 , further comprising:

storing the set of comprehensive original vehicle data for the one or more vehicles in a database; and

converting the set of comprehensive original vehicle data into a universal format.

3. The computer-implemented method of claim 1 , further comprising:

determining a vehicle valuation for the first set of comprehensive original vehicle data based on one or more predetermined valuation criteria and the vehicle trim level attribute value, and

generating instructions for the client response interface to display the vehicle valuation in association with the first set of comprehensive original vehicle data.

4. The computer-implemented method of claim 1 , wherein the comparing is based on applying one or more stored loan comparison assessments, wherein the one or more stored loan comparison assessments independently analyzes and compares details from the vehicle trim level attribute value to details from the original vehicle loan data.

5. The computer-implemented method of claim 1 , wherein the one or more inconsistencies are associated with: an exposure assessment, a risk assessment, a liability assessment, or a lost revenue assessment.

6. The computer-implemented method of claim 1 , wherein the original vehicle loan data comprises one or more of: equipment, trim details, color, transmission details, drive train, factory packages, or factory options for the first vehicle.

7. The computer-implemented method of claim 1 , wherein the automatically generating the vehicle trim level attribute value is based on applying one or more stored trim level assessments related to a make or model of the first vehicle to the original raw vehicle build data for the first vehicle.

8. A system comprising:

an original vehicle data system configured to electronically access a set of comprehensive original vehicle data for one or more vehicles of a plurality of vehicles from a third-party via an electronic link to a communications network comprising one or more electronic networks, wherein each set of comprehensive original vehicle data includes information from one or more vehicle manufacturers and a unique vehicle identifier, each set of comprehensive original vehicle data including:

standard vehicle data associated with the unique vehicle identifier, the standard vehicle data being coded by a respective vehicle manufacturer of the one or more vehicle manufacturers, and

factory vehicle build data associated with the unique vehicle identifier, the factory vehicle build data comprising original raw vehicle build data which is not included within the standard vehicle data and is not coded by the respective vehicle manufacturer into the unique vehicle identifier;

an application programming interface configured to receive a vehicle information request from a client via a client request interface, the vehicle information request including a first vehicle identifier;

a vehicle trim component configured to:

automatically generate a vehicle trim level attribute value based on a first set of comprehensive original vehicle data for a first vehicle identified by the first vehicle identifier;

compare the vehicle trim level attribute value to original vehicle loan data for the first vehicle; and

identify one or more inconsistencies between the vehicle trim level attribute value and the original vehicle loan data; and

a response system configured to generate instructions for a client response interface to display vehicle data from the first set of comprehensive original vehicle data and the one or more inconsistencies.

9. The system of claim 8 , wherein the standard vehicle data comprises one or more of: a country of origin, manufacturer, year of manufacture, manufacturing assembly plant, make, or model for a respective vehicle and the factory vehicle build data comprises one or more of: equipment, trim details, color, transmission details, drive train, factory packages, or factory options for the respective vehicle.

10. The system of claim 8 , wherein the vehicle trim component is further configured to convert the original raw vehicle build data into a universal format.

11. The system of claim 8 , wherein the comparing is based on applying one or more stored loan comparison assessments, wherein the one or more stored loan comparison assessments independently analyzes and compares details from the vehicle trim level attribute value to details from the original vehicle loan data.

12. The system of claim 8 , wherein the one or more inconsistencies are associated with: an exposure assessment, a risk assessment, a liability assessment, or a lost revenue assessment.

13. The system of claim 8 , wherein the original vehicle loan data comprises one or more of: equipment, trim details, color, transmission details, drive train, factory packages, or factory options for the first vehicle.

14. The system of claim 8 , wherein the automatically generating the vehicle trim level attribute value is based on applying one or more stored trim level assessments related to a make or model of the first vehicle to the original raw vehicle build data for the first vehicle.

15. A non-transitory computer storage medium storing computer-executable instructions that, when executed by a processor, cause the processor to at least:

electronically access a set of comprehensive original vehicle data for one or more vehicles of a plurality of vehicles from a third-party via an electronic link to a communications network comprising one or more electronic networks, wherein each set of comprehensive original vehicle data includes information from one or more vehicle manufacturers and a unique vehicle identifier, each set of comprehensive original vehicle data including:

standard vehicle data associated with the unique vehicle identifier, the standard vehicle data being coded by a respective vehicle manufacturer of the one or more vehicle manufacturers, and

factory vehicle build data associated with the unique vehicle identifier, the factory vehicle build data comprising original raw vehicle build data which is not included within the standard vehicle data and is not coded by the respective vehicle manufacturer into the unique vehicle identifier;

receive a vehicle information request from a client via a client request interface, the vehicle information request including a first vehicle identifier;

automatically generate a vehicle trim level attribute value based on a first set of comprehensive original vehicle data for a first vehicle identified by the first vehicle identifier;

compare the vehicle trim level attribute value to original vehicle loan data for the first vehicle identified by the first vehicle identifier;

identify one or more inconsistencies between the vehicle trim level attribute value and the original vehicle loan data; and

generate instructions for a client response interface to display vehicle data from the first set of comprehensive original vehicle data and the one or more inconsistencies.

16. The non-transitory computer storage medium of claim 15 , further storing computer-executable instructions that, when executed by the processor, cause the processor to:

store the set of comprehensive original vehicle data for the one or more vehicles in a database; and

convert the set of comprehensive original vehicle data into a universal format.

17. The non-transitory computer storage medium of claim 15 , further storing computer-executable instructions that, when executed by the processor, cause the processor to:

determine a vehicle valuation for the first set of comprehensive original vehicle data based on one or more predetermined valuation criteria and the vehicle trim level attribute value, and

generate instructions for the client response interface to display the vehicle valuation in association with the first set of comprehensive original vehicle data.

18. The non-transitory computer storage medium of claim 15 , wherein the comparing is based on applying one or more stored loan comparison assessments, wherein the one or more stored loan comparison assessments independently analyzes and compares details from the vehicle trim level attribute value to details from the original vehicle loan data.

19. The non-transitory computer storage medium of claim 15 , wherein the one or more inconsistencies are associated with: an exposure assessment, a risk assessment, a liability assessment, or a lost revenue assessment.

20. The non-transitory computer storage medium of claim 15 , wherein the automatically generating the vehicle trim level attribute value is based on applying one or more stored trim level assessments related to a make or model of the first vehicle to the original raw vehicle build data for the first vehicle.

Assignments (1)

Continuity (6)

References Cited (400)