James Joseph Defrancesco

US Patent:

7814002, Oct 12, 2010

Filed:

Aug 28, 2003

Appl. No.:

10/650389

Inventors:

James R. DeFrancesco - Fort Lauderdale FL, US
Scott L. Freiman - Irvington NY, US
Arvind K. Agrawal - Gaithersburg MD, US

Assignee:

DealerTrack, Inc. - Lake Success NY

International Classification:

G06Q 40/00

US Classification:

705 38, 705 35, 705 36, 705 37

Abstract:

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. A computer readable storage medium has a substrate physically configured to represent the computer program which causes a computer to provide the credit application and routing system.

US Patent:

20040138992, Jul 15, 2004

Filed:

Aug 27, 2003

Appl. No.:

10/649397

Inventors:

James DeFrancesco - Fort Lauderdale FL, US
Scott Freiman - Irvington NY, US
Arvind Agrawal - Gaithersburg MD, US

International Classification:

G06F017/60

US Classification:

705/038000

Abstract:

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. A computer readable storage medium has a substrate physically configured to represent the computer program which causes a computer to provide the credit application and routing system.

US Patent:

20040138994, Jul 15, 2004

Filed:

Aug 28, 2003

Appl. No.:

10/650596

Inventors:

James DeFrancesco - Fort Lauderdale FL, US
Scott Freiman - Invington NY, US
Arvind Agrawal - Gaithersburg MD, US

International Classification:

G06F017/60

US Classification:

705/038000

Abstract:

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. A computer readable storage medium has a substrate physically configured to represent the computer program which causes a computer to provide the credit application and routing system.

US Patent:

52660818, Nov 30, 1993

Filed:

Oct 18, 1991

Appl. No.:

7/779456

Inventors:

Noyes L. Avery - Bryn Mawr PA
Angeline B. Cardis - Florence NJ
James V. DeFrancesco - Bensenville IL
Virginia C. Wiszniewski - Voorhees NJ

Assignee:

Mobil Oil Corporation - Fairfax VA

International Classification:

C10L 122

US Classification:

44331

Abstract:

A fuel additive is the reaction product of an intermediate reaction product of a hydrocarbon-substituted succinic anhydride and an aminosalicylic acid, preferably a 4-aminosalicylic acid. The intermediate is reacted with an aldehyde, preferably formaldehyde and an alkylenepolyamine preferably tetraethylenepentamine. The reaction product is post reacted with a hydrocarbon-substituted succinic anhydride which can be the same or different as the hydrocarbon-substituted succinic anhydride of the intermediate. The additive has dispersant and detergent properties and is effective in liquid hydrocarbon or liquid oxygenated fuels or mixtures of the said fuels.