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    • 1. 发明授权
    • System and method for establishing and managing reserve accounts associated with automotive loan approval
    • US11636538B1
    • 2023-04-25
    • US16988771
    • 2020-08-10
    • David Barber
    • David Barber
    • G06Q40/00G06Q40/02
    • A system and method for providing a corporate “co-signor” for potential purchasers of an automobile who do not meet captive lender or standard bank approval guidelines. The corporate co-signor does not sign or execute loan documents alongside the purchaser in a manner similar to co-signors in the prior art, but instead guarantees the loans that are underwritten using a “cosignloan” product implemented in agreement with a captive lender. The loan is based on a payment-to-income (PTI) basis, supported by the security provided by the corporate co-signor. The dealer will then be able to use the “cosignloan” product parameters to provide appropriate new, used, or certified pre-owned vehicles to the customer/purchaser. The corporate co-signor receives an administration fee for each loan. The administration fee, in one embodiment, is sent to a reserve account by the captive lender from the dealer booking proceeds. The reserve account is controlled by the corporate co-signor and the captive lender, and has specific debit and credit guidelines to ensure that sufficient funds are available to pay defaulted loans for a particular year until all loans booked in that year are satisfied.
    • 6. 发明授权
    • Distributed maintenance system and methods for connected fleet
    • US11587370B2
    • 2023-02-21
    • US17533807
    • 2021-11-23
    • AVIS BUDGET CAR RENTAL, LLC
    • Ohad ZeiraSang Lee
    • G07C5/00G07C5/08G06Q10/02G06Q10/20G06Q10/1093G06Q10/0631
    • A system and related methods for management, planning and control of a connected fleet of vehicles. A unique, single integrated platform may be provided for management, planning and control of a connected fleet of vehicles, including fleet planning, in-fleeting operations, vehicle acquisition and provisioning, vehicle assignment, vehicle transfers, vehicle use operations, vehicle servicing, vehicle maintenance and repairs, and de-fleeting operations. Fleet communications can be by cellular, wireless, or low earth orbit satellite communications. Fleet vehicles include a programmable TCU installed in the vehicle and connected, directly or indirectly, to the CAN bus or similar vehicle network, and carries out various operations, including controlling vehicle access. The systems combines self-reporting and self-management of a connected fleet vehicle (with on-board and installed sensors configured to identify actual or potential issues or problems in the vehicle, and report, request, and obtain/dispatch servicing via its cloud or network communications interfaces), and predictive failure algorithms (based on historical and current connected fleet vehicle data), with multiple probabilistic distributions for the distributed fleet to dynamically, in real time, determine and dispatch service with greater efficiency and lower costs for fleet operations.