James B Defrancesco

US Patent:

6587841, Jul 1, 2003

Filed:

Jun 30, 1998

Appl. No.:

09/107321

Inventors:

James R. DeFrancesco - Columbia MD
Scott L. Freiman - Bethesda MD
Arvind K. Agrawal - Columbia MD

Assignee:

First American Credit Management Solutions, Inc. - Annapolis Junction MD

International Classification:

G06F 1760

US Classification:

705 38, 705 35, 705 39, 709217

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:

7181427, Feb 20, 2007

Filed:

Sep 3, 1997

Appl. No.:

08/922462

Inventors:

James R. DeFrancesco - Columbia MD, US
Scott L. Freiman - Potomac MD, US
Steven M. Terpening - Laurel MD, US
Andrew L. Mayers - Glyndon MD, US
Edward T. Mullin - Hampstead MD, US
Brian S. Fritsche - Columbia MD, US
Michael C. DiClaudio - Baltimore MD, US
Kristie W. Scott - Elkridge MD, US

Assignee:

JP Morgan Chase Bank, N.A. - Houston TX

International Classification:

G06Q 40/00

US Classification:

705 38, 705 35, 705 36, 705 37, 705 39

Abstract:

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.

US Patent:

7801807, Sep 21, 2010

Filed:

May 20, 2003

Appl. No.:

10/441534

Inventors:

James R. DeFrancesco - Columbia MD, US
Scott L. Freiman - Bethesda MD, US
Arvind K. Agrawal - Columbia MD, US

Assignee:

DealerTrack, Inc. - Lake Success NY

International Classification:

Q06F 40/00

US Classification:

705 38, 705 35, 705 39, 709217

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 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. 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:

20010014877, Aug 16, 2001

Filed:

Jun 12, 1998

Appl. No.:

09/097148

Inventors:

JAMES R. DEFRANCESCO - COLUMBIA MD, US
AMY FINGERHUTH - ELLICOTT CITY MD, US
SCOTT FREIMAN - POTOMAC MD, US
GEOFFREY RUSK - LAUREL MD, US
STEVEN TERPENING - BETHESDA MD, US

International Classification:

G06F017/60

US Classification:

705/038000, 705/008000

Abstract:

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. A relational database management system is used to link a plurality of tests with each workflow process step that is defined for particular workflow. The tests are linked to rule elements which are linked to database elements that are linked to functions that alter the database elements. Accordingly, when a function is executed, the workflow management system automatically determines which particular workflow process steps are potentially affected by the executed function. Then, the workflow management system evaluates those steps to determine their status and to further determine the process steps to be activated next.

US Patent:

20030101133, May 29, 2003

Filed:

Jan 2, 2003

Appl. No.:

10/334900

Inventors:

James DeFrancesco - Columbia MD, US
Amy Fingerhuth - Ellicott City MD, US
Scott Freiman - Potomac MD, US
Geoffrey Rusk - Laurel MD, US
Steven Terpening - Bethesda MD, US

Assignee:

First American Credit Management Solusions, Inc.

International Classification:

G06F017/60

US Classification:

705/038000

Abstract:

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. A relational database management system is used to link a plurality of tests with each workflow process step that is defined for particular workflow. The tests are linked to rule elements which are linked to database elements that are linked to functions that alter the database elements. Accordingly, when a function is executed, the workflow management system automatically determines which particular workflow process steps are potentially affected by the executed function. Then, the workflow management system evaluates those steps to determine their status and to further determine the process steps to be activated next.

US Patent:

20040138997, Jul 15, 2004

Filed:

Nov 6, 2003

Appl. No.:

10/702568

Inventors:

James DeFrancesco - Columbia MD, US
Scott Freiman - Potomac MD, US
James Alsobrook - Lutherville MD, US
Steven Terpening - Laurel MD, US
Andrew Mayers - Glyndon MD, US
Edward Mullin - Hampstead MD, US
Brian Fritsche - Columbia MD, US
Michael DiClaudio - Baltimore MD, US
Michael Brune - Timonium MD, US
Kristie Scott - Elkridge MD, US

International Classification:

G06F017/60

US Classification:

705/038000

Abstract:

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.

US Patent:

20070112670, May 17, 2007

Filed:

Jan 3, 2007

Appl. No.:

11/648943

Inventors:

James DeFrancesco - Columbia MD, US
Scott Freiman - Potomac MD, US
James Alsobrook - Lutherville MD, US
Steven Terpening - Laurel MD, US
Andrew Mayers - Glyndon MD, US
Edward Mullin - Hampstead MD, US
Brian Fritsche - Columbia MD, US
Michael DiClaudio - Baltimore MD, US
Michael Brune - Timonium MD, US
Kristie Scott - Elkridge MD, US

International Classification:

G06Q 40/00

US Classification:

705038000

Abstract:

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.

US Patent:

45983674, Jul 1, 1986

Filed:

Nov 9, 1983

Appl. No.:

6/551130

Inventors:

James DeFrancesco - Ellicott City MD
Scott L. Freiman - Pikesville MD

Assignee:

Financial Design Systems, Inc. - Ellicott City MD

International Classification:

G06F 1520
G07G 112
G10L 502

US Classification:

364408

Abstract:

An automated financial quotation system for audibly eliciting identification and input information from a user located at a remote terminal, and on the basis of this information, calculating and transmitting a synthesized audible representation of a financial disclosure statement to the remote terminal. The input information includes identification information and at least one variable from which the financial disclosure statement is calculated. The identification information may include user identification and/or identification of the transaction to be performed, preferably modelled by a processor under control of programmed instructions and stored data. The system includes means for requesting or eliciting the identification and input information, means for verifying and/or confirming at least those portions of the input information from which the financial disclosure statement is determined and/or calculated, and a speech synthesizer controlled by the processor and/or phoneme command signals for generating phonemes of speech representative of the processed financial disclosure statement. An alternative embodiment of the invention also includes a storage module for storing processed financial disclosure statements along with a V-code generated by the system so that a particular financial disclosure statement may be recalled when the V-code is later supplied to the system to retrieve the calculated disclosure statement in anticipation of consummating a transaction.