Systems and methods for remote electronic transaction processing
View Patent ↗Embodiments of systems and methods for enabling communication between vendors and individuals qualified to offer financial products, insurance products, warranty products, and/or other products and services related to vehicles and vehicle sales are provided. In one embodiment, a salesperson at a remote location interacts with the vendor's customer using data, video, and/or audio transmissions over a network. In one embodiment, the remote salesperson may possess relevant expertise or training, which the salesperson uses to process the transaction. In one embodiment, the remote salesperson completes the transaction using a system that manages the transaction and communication.
1. A computer-based system to assist the closing of a proposed sales transaction of automotive products using a trained operator situated at a call center location remote from a vendor location comprising:
a camera that captures an image of the trained operator;
a call center screen at the call center location that displays an image of a customer sent from a vendor computer system;
an interface module configured to permit selection at the vendor location of a product for the trained operator to sell to the customer remotely from the call center location;
a processing module configured to determine one or more terms of the transaction; and
a communications module configured to:
receive an identifier relating to the proposed transaction from the vendor computer system;
retrieve information pertaining to the proposed transaction from a dealer management system using the identifier;
transmit the image of the trained operator to the vendor computer system;
permit audio communication with the trained operator and the vendor computer system;
transmit at least some information pertaining to the proposed transaction to a third party;
receive an indication from the third party that the proposed transaction has been accepted; and
transmit an instruction for the vendor computer system to print a copy of documents required to complete the transaction.
2. The system of claim 1 , wherein the vendor computer system comprises an electronic signature pad for allowing the customer to electronically sign documents.
3. The system of claim 1 , wherein the trained operator is trained in regulatory compliance matters.
4. The system of claim 1 , wherein the third party is a lender.
5. The system of claim 1 , wherein the proposed sales transaction is a purchase of a loan providing purchase money for a vehicle.
6. The system of claim 5 , wherein the loan additionally provides purchase money for at least one of a vehicle warranty contract, a GAP insurance contract, an aftermarket vehicle accessory, a vehicle maintenance contract, a vehicle cleaning contract, a theft protection contract, or a vehicle appearance protection product.
7. A computer-based system to assist the closing of a proposed sales transaction of automotive products using a trained operator situated at a call center location remote from a vendor location comprising:
a camera that captures an image of a customer;
a vendor screen at the vendor location that displays an image of the trained operator sent from a call center computer system;
an interface module configured to permit selection at the vendor location of a product for the trained operator to sell to the customer remotely from the call center location; and
a communications module configured to:
transmit an identifier relating to the proposed transaction to the call center computer system for retrieval of information pertaining to the proposed transaction using the identifier, wherein at least a portion of the retrieved information used by a third party to accept the proposed transaction;
transmit the image of the customer to the call center computer system;
permit audio communication with the customer and the call center computer system; and
receive an instruction to print a copy of documents required to complete the transaction.
8. The system of claim 7 , further comprising an electronic signature pad for allowing the customer to electronically sign documents.
9. The system of claim 7 , wherein the trained operator is trained in regulatory compliance matters.
10. The system of claim 7 , wherein the proposed sales transaction is a purchase of a loan providing purchase money for a vehicle.
11. The system of claim 10 , wherein the loan additionally provides purchase money for at least one of a vehicle warranty contract, a GAP insurance contract, an aftermarket vehicle accessory, a vehicle maintenance contract, a vehicle cleaning contract, a theft protection contract, or a vehicle appearance protection product.