Patents by Inventor James R. DeFrancesco
James R. DeFrancesco has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 7814002Abstract: A credit application and routing system includes a central processor having and executing a program. The system includes data input capabilities for selectively receiving credit application data from respective applicants at remote locations, and routing capabilities for selectively forwarding the credit application data to remote funding sources and selectively forwarding funding decision data from the funding sources to the respective applicants. The computer program includes routines for receiving a credit application from at least one remote application input and display device, for selectively forwarding a received credit application to at least one funding source, for receiving a funding decision from the at least one funding source, and for forwarding a received funding decision to the at least one remote application input and display device. The system can also obtain credit report data from credit bureau, and analyze and summarize the credit report data.Type: GrantFiled: August 28, 2003Date of Patent: October 12, 2010Assignee: DealerTrack, Inc.Inventors: James R. DeFrancesco, Scott L. Freiman, Arvind K. Agrawal
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Patent number: 7801807Abstract: A credit application and routing system includes a central processor having and executing a program. The system includes data input capabilities for selectively receiving credit application data from respective applicants at remote locations, and routing capabilities for selectively forwarding the credit application data to remote funding sources and selectively forwarding funding decision data from the funding sources to the respective applicants. The computer program includes routines for receiving a credit application from at least one remote application input and display device, for selectively forwarding a received credit application to at least one finding source, for receiving a finding decision from the at least one finding source, and for forwarding a received funding decision to the at least one remote application input and display device. The system can also obtain credit report data from credit bureaus, and analyze and summarize the credit report data.Type: GrantFiled: May 20, 2003Date of Patent: September 21, 2010Assignee: DealerTrack, Inc.Inventors: James R. DeFrancesco, Scott L. Freiman, Arvind K. Agrawal
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Patent number: 7181427Abstract: A computer based credit application processing system provides a graphical user interface, automatic software update downloading, lender to lender routing of credit applications, and integration with in-house finance and insurance systems and third party data entry facilities, among other features. Web site linkage is also accommodated.Type: GrantFiled: September 3, 1997Date of Patent: February 20, 2007Assignee: JP Morgan Chase Bank, N.A.Inventors: James R. DeFrancesco, Scott L. Freiman, James C. Alsobrook, Jr., Steven M. Terpening, Andrew L. Mayers, Edward T. Mullin, Brian S. Fritsche, Michael C. DiClaudio, Michael D. Brune, Jr., Kristie W. Scott
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Publication number: 20040138997Abstract: A computer based credit application processing system provides a graphical user interface, automatic software update downloading, lender to lender routing of credit applications, and integration with in-house finance and insurance systems and third party data entry facilities, among other features. Web site linkage is also accommodated.Type: ApplicationFiled: November 6, 2003Publication date: July 15, 2004Inventors: James R. DeFrancesco, Scott L. Freiman, James C. Alsobrook, Steven M. Terpening, Andrew L. Mayers, Edward T. Mullin, Brian S. Fritsche, Michael C. DiClaudio, Michael D. Brune, Kristie W. Scott
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Publication number: 20040078320Abstract: A credit application and routing system includes a central processor having and executing a program. The system includes data input capabilities for selectively receiving credit application data from respective applicants at remote locations, and routing capabilities for selectively forwarding the credit application data to remote funding sources and selectively forwarding funding decision data from the funding sources to the respective applicants. The computer program includes routines for receiving a credit application from at least one remote application input and display device, for selectively forwarding a received credit application to at least one finding source, for receiving a finding decision from the at least one finding source, and for forwarding a received funding decision to the at least one remote application input and display device. The system can also obtain credit report data from credit bureaus, and analyze and summarize the credit report data.Type: ApplicationFiled: May 20, 2003Publication date: April 22, 2004Inventors: James R. DeFrancesco, Scott L. Freiman, Arvind K. Agrawal
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Patent number: 6587841Abstract: A credit application and routing system includes a central processor having and executing a program. The system includes data input capabilities for selectively receiving credit application data from respective applicants at remote locations, and routing capabilities for selectively forwarding the credit application data to remote funding sources and selectively forwarding funding decision data from the funding sources to the respective applicants. The computer program includes routines for receiving a credit application from at least one remote application input and display device, for selectively forwarding a received credit application to at least one funding source, for receiving a funding decision from the at least one funding source, and for forwarding a received funding decision to the at least one remote application input and display device. The system can also obtain credit report data from credit bureaua, and analyze and summarize the credit report data.Type: GrantFiled: June 30, 1998Date of Patent: July 1, 2003Assignee: First American Credit Management Solutions, Inc.Inventors: James R. DeFrancesco, Scott L. Freiman, Arvind K. Agrawal
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Publication number: 20030101133Abstract: A workflow management system for an automated credit application processing system. The workflow management system automatically coordinates the workflow among various workgroups and entities involved in the credit application process. The steps and rule tests that define an organization's workflow are customized according to the workflow requirements and process steps for each organization. The workflow manager allows application steps to be processed simultaneously by various entities involved in the loan application process. Workgroups are defined for each pre-configured workflow definition. Each workgroup is associated with a particular set of functions. A workgroup queue is provided for each workgroup. Workgroup queues contain active or pending steps associated with the workgroup. In operation, users can obtain status information by viewing data from the various workgroup queues.Type: ApplicationFiled: January 2, 2003Publication date: May 29, 2003Applicant: First American Credit Management Solusions, Inc.Inventors: James R. DeFrancesco, Amy Fingerhuth, Scott Freiman, Geoffrey Rusk, Steven Terpening
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Patent number: 6505176Abstract: A workflow management system for an automated credit application processing system. The workflow management system automatically coordinates the workflow among various workgroups and entities involved in the credit application process. The steps and rule tests that define an organization's workflow are customized according to the workflow requirements and process steps for each organization. The workflow manager allows application steps to be processed simultaneously by various entities involved in the loan application process. Workgroups are defined for each pre-configured workflow definition. Each workgroup is associated with a particular set of functions. A workgroup queue is provided for each workgroup. Workgroup queues contain active or pending steps associated with the workgroup. In operation, users can obtain status information by viewing data from the various workgroup queues.Type: GrantFiled: June 12, 1998Date of Patent: January 7, 2003Assignee: First American Credit Management Solutions, Inc.Inventors: James R. DeFrancesco, Jr., Amy Fingerhuth, Scott Freiman, Geoffrey Rusk, Steven Terpening
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Publication number: 20010014877Abstract: A workflow management system for an automated credit application processing system. The workflow management system automatically coordinates the workflow among various workgroups and entities involved in the credit application process. The steps and rule tests that define an organization's workflow are customized according to the workflow requirements and process steps for each organization. The workflow manager allows application steps to be processed simultaneously by various entities involved in the loan application process. Workgroups are defined for each pre-configured workflow definition. Each workgroup is associated with a particular set of functions. A workgroup queue is provided for each workgroup. Workgroup queues contain active or pending steps associated with the workgroup. In operation, users can obtain status information by viewing data from the various workgroup queues.Type: ApplicationFiled: June 12, 1998Publication date: August 16, 2001Inventors: JAMES R. DEFRANCESCO, AMY FINGERHUTH, SCOTT FREIMAN, GEOFFREY RUSK, STEVEN TERPENING
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Patent number: 5878403Abstract: A credit application and routing system includes a central processor having and executing a program. The system includes data input capabilities for selectively receiving credit application data from respective applicants at remote locations, and routing capabilities for selectively forwarding the credit application data to remote funding sources and selectively forwarding funding decision data from the funding sources to the respective applicants. The computer program includes routines for receiving a credit application from at least one remote application input and display device, for selectively forwarding a received credit application to at least one funding source, for receiving a funding decision from the at least one funding source, and for forwarding a received funding decision to the at least one remote application input and display device. The system can also obtain credit report data from credit bureaua, and analyze and summarize the credit report data.Type: GrantFiled: September 12, 1995Date of Patent: March 2, 1999Assignee: CMSIInventors: James R. DeFrancesco, Scott L. Freiman, Arvind K. Agrawal