Abstract: Systems, methods, and software for loan payoff and title transfer that significantly streamline and simplify the process of effecting ownership transactions. Some embodiments may include a computer network for providing communication between a plurality of title requestors and a plurality of financial institutions. Exemplary systems may include loan payoff and title transfer servers that may be operably connected to one or more of a title manager, a plurality of lenders, and a plurality of users. Exemplary systems may be configured to provide instant and comprehensive information on a vehicle whose title is encumbered by a lien held by a lender. Exemplary systems may also be configured to execute an accelerated loan payoff and title transfer process.

Abstract: An annotation utility can be invoked to annotate an application GUI. The annotation utility can present predefined annotation graphics based on a user's graphical annotations. The annotation utility can include textual annotations from the user. The application GUI may be presented on a display device in an application layer and annotations may be made an annotation layer that is separate from the application layer. The annotated application GUI may comprise a composite image of the application GUI overlain by the graphical and textual annotations.