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Method, apparatus and program product for facilitating transfer of vehicle leasesMethod, apparatus and program product for facilitating transfer of vehicle leases description/claimsThe Patent Description & Claims data below is from USPTO Patent Application 20090164335, Method, apparatus and program product for facilitating transfer of vehicle leases. Brief Patent Description - Full Patent Description - Patent Application Claims
This application is a continuation of U.S. patent application Ser. No. 11/089,610 filed on Mar. 25, 2005, entitled “METHOD, APPARATUS AND PROGRAM PRODUCT FOR FACILITATING TRANSFER OF VEHICLE LEASES,” which is a continuation of U.S. patent application Ser. No. 09/775,002 filed on Jan. 7, 2001, entitled “SYSTEM AND METHOD FOR FACILITATING TRANSFER OF VEHICLE LEASES” (now issued as U.S. Pat. No. 6,965,874), which claims the benefit of Provisional Application Ser. No. 60/180,264 filed on Feb. 4, 2000. The disclosures of each of these applications are incorporated by reference herein in their entireties. The present invention relates to a system and method for facilitating transferring vehicle leases from a lessee to a new lessee and, more particularly, a system and method for facilitating transferring vehicle leases via the Internet or other large scale computer network. For a variety of reasons persons often choose to lease a vehicle rather than purchase it outright. Many times the lease option provides the ability to lower monthly payments, permitting a person to better afford his or her vehicle of choice. One problem associated with vehicle leases is their fixed term. In some situations a vehicle lessee desires to get out of the lease prior to termination. For example, such motivation to get out of a lease can be driven by a desire to obtain a different vehicle or a desire to reduce monthly payments. Often times the fees associated with terminating a lease early are undesirably high, but the fees associated with transferring the lease to another party may be less substantial or non-existent. Other impediments to vehicle lease transfers exist, including a general lack of consumer information concerning the ability to transfer as well as liability issues raised for lessees who wish to transfer their lease. Accordingly, it would be advantageous to provide a system and method for facilitating the transfer of vehicle leases between parties. In one aspect, a method for facilitating transfer of automobile leases involves providing a website which displays a menu giving a visitor an option of either creating a record including details of the visitor and of a leased automobile whose lease the visitor intends to assign, or viewing a list of records, each record including a description of a leased automobile and an owner thereof. If the visitor intends to create a record, the visitor is directed to a page at the website where the visitor can input information pertaining to a leased automobile and information to enable another visitor to the website to contact the visitor. The record created by the visitor is stored in a database. If the visitor intends to view a record or records, the visitor is directed to a page at the website where the visitor can view at least one record of a leased automobile. In another aspect, a method for facilitating transfer of vehicle leases between parties involves providing a database of vehicle lease records concerning vehicle leases available for transfer. A search engine is provided for searching the vehicle lease database according to entered criteria, the search engine operable to identify available vehicle lease records which meet the entered criteria. Access to the search engine is provided via a computer network. Upon execution of a given search including criteria entered by a searching user, the searching user is provided, via the computer network, with vehicle lease information concerning at least one matching vehicle lease record which meets the entered criteria of the given search, if such a matching vehicle lease record exists. In still a further aspect, a method for facilitating transfer of vehicle leases between parties involves providing a database of vehicle lease records concerning vehicle leases available for transfer. Access to at least certain information concerning vehicle lease records in the vehicle lease database is provided via a computer network. A lease action engine is provided for modifying the vehicle lease database, and controlled access to the lease action engine is provided via the computer network. Upon addition of a vehicle lease record to the vehicle lease database by a listing user via the lease action engine, the entered vehicle lease record of the vehicle lease database is associated with the listing user. The lease action engine enables the listing user to delete or modify an existing vehicle lease record of the vehicle lease database only if the existing vehicle lease record is associated with the listing user. In yet another aspect, a method for facilitating transfer of vehicle leases between parties involves providing a database of vehicle lease records concerning vehicle leases available for transfer, each record including at least vehicle identifying information and listing user identifying information. Searching users are provided access to the database via a web site. A listing user may, via the web site, electronically initiate a lease transfer of a vehicle associated with a given vehicle lease record to an identified searching user. In still another aspect, a computer-based system for facilitating transfer of vehicle leases between parties includes a web site computer system including a database of vehicle lease records concerning vehicle leases available for transfer; and an Internet accessible search engine for searching the vehicle lease database according to entered criteria, the search engine operable to identify available vehicle lease records which meet the entered criteria. The search engine is operable upon execution of a given search including criteria entered by a searching user, to produce a web page providing the searching user with access to at least certain vehicle lease information concerning at least one matching vehicle lease record which meets the entered criteria of the given search, if such a matching vehicle lease record exists. The search engine is further operable upon input by the searching user to (i) store the entered criteria of the given search, (ii) associate the stored criteria with at least an e-mail of the searching user, (iii) conduct at least one future automated search of the vehicle lease database for vehicle lease records meeting the stored criteria, and (iv) initiate e-mail notification of the searching user in event the future automated search identifies at least one matching vehicle lease record. An Internet accessible lease action engine enables modifying the vehicle lease database, the lease action engine producing at least one web page for the entry of information for a vehicle lease record to be added to the vehicle lease database by a listing user. The lease action engine is operable to associate an added vehicle lease record of the vehicle lease database with the listing user upon addition of the added vehicle lease record to the vehicle lease database. The lease action engine is further operable to produce at least one web page for enabling a given user to delete or modify an existing vehicle lease record of the vehicle lease database only if the listing user associated with the existing vehicle lease record is the given user. Continue reading about Method, apparatus and program product for facilitating transfer of vehicle leases... 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