a2) United States Patent
`US 7,814,002 B2
`(0) Patent No.:
`DeFrancesco et al.
`*Oct. 12, 2010
`(45) Date of Patent:
`
`
` FOREIGN PATENT DOCUMENTS
`
`
`(4)
`
`(75)
`
`(73)
`
`(*)
`
`(21)
`(22)
`(65)
`
`(60)
`
`G1)
`
`(52)
`
`58)
`
`(56)
`
`COMPUTER IMPLEMENTED AUTOMATED
`CREDIT APPLICATION ANALYSIS AND
`DECISION ROUTING SYSTEM
`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
`(US)
`Subject to any disclaimer, the term of this
`patent is extended or adjusted under 35
`U.S.C. 154(b) by 1429 days.
`This patent is subject to a terminal dis-
`claimer.
`Appl. No.: 10/650,389
`Filed:
`Aug. 28, 2003
`Prior Publication Data
`
`Notice:
`
`US 2004/0138993 Al
`US 2009/0234769 A9
`
`Jul. 15, 2004
`Sep. 17. 2009
`
`Related U.S. Application Data
`
`Divisionofapplication No. 10/441,534, filed on May
`20, 2003, which is a division of application No.
`09/107,321, filed on Jun.30, 1998, now Pat. No. 6,587,
`841, which is a division ofapplication No. 08/526,776,
`filed on Sep. 12, 1995, now Pat. No. 5,878,403, appli-
`cation No. 10/650,389, and a continuation-in-part of
`application No. 08/922,462, filed on Sep. 3, 1997, now
`Pat. No. 7,181,427.
`Int. Cl.
`(2006.01)
`G0640/00
`US. Che ecccccccccecssetereseees 705/38; 705/35; 705/36;
`705/37
`Ficld of Classification Search ................... 705/35,
`705/36, 37, 38
`See application file for complete search history.
`References Cited
`
`U.S. PATENT DOCUMENTS
`
`3,970,992 A
`4,017,835 A
`
`7/1976 Boothroydelal.
`4/1977 Randolph
`
`US0078 14002B2
`
`EP
`EP
`EP
`JP
`JP
`
`0629962
`0774 725
`0774725
`5-101250
`5101250
`
`12/1994
`S/L997
`3/1997
`4/1993
`4/1993
`
`OTHER PUBLICATIONS
`
`“Barnett arm links with auto dealers,” Bank Systems & Technology,
`vol. 34, No. 4, printed from Dialog File 268, 2 pages (Apr. 1997).
`Eckerson, W., “Network automates auto loan application process;
`Speeds loan Oks, helps buyers find best rates,” Network World,
`Network World, Inc., available at http://www.lexis.com, 2 pages
`(Mar.6, 1989).
`
`(Continued)
`
`Primary Examiner—Nea B. Nguyen
`(74) Attorney, Agent, or Firm—Goodwin Procter LLP
`
`(57)
`
`ABSTRACT
`
`A credit application and routing system includes a central
`processor having and executing a program.
`‘The system
`includes data input capabilitics for selectively recciving
`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 fund-
`ing sources to the respective applicants. The computer pro-
`gram includesroutines for receiving a credit application from
`at least one remote application input and display device, for
`selectively forwardinga received credit applicationto 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 canalso 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 whichcauses a computerto provide the credit appli-
`cation and routing system.
`
`(Continued)
`
`12 Claims, 49 Drawing Sheets
`
`DEALERS
`
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`cal
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`5, CREDIT
`192
`1320
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`LENDING
`WORKNETWORK NETWORKNEW)
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`NOM AUTOUATED
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`(we
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`FACE
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`DEVICE
`AAET,. NTER: BANKCREDITREVLE®
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`Aub
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`CEALEA USING
`it
`DUNGTERMINALS
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`PROCESSINGSYSTEM
`fe
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`
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`MULTIPLEBANKS (CON-
`(SHUNAL),SHOTGUN
`
`stCREDITCONNECTIONS
`RECEIVESDECISION(+
`
`
` ‘SELECT FUNDING
`
`
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`BUREAL)™
`
`
`
`PROVI-1029 - Page 1
`
`PROVI-1029 - Page 1
`
`

`

`PPPPPPPPrErEErrrrrEEEEEEEPPEEEEEEErPeeeerrEEEEeeeeeeerrreeeeerPPPeePeeePe
`
`KRRXBRERAARRBRAARABRAAAARAABS
`
`491,725
`598,367
`600,828
`642,768
`646,250
`648,037
`649,037
`649,832
`675,815
`683,536
`722,055
`730,252
`736,294
`\752,877
`772,055
`774,664
`814,587
`890,228
`914,587
`947,028
`949,028
`958,368
`965,821
`992,939
`5,023,904
`5,025,138
`5,025,373
`5,049,862
`5,083,270
`5,120,906
`5,126,936
`5,126,939
`5,198,642
`5,202,825
`5,202,826
`5,206,803
`5,212,789
`5,213,571
`5,218,539
`5,220,501
`5,231,571
`5,239,462
`5,241,620
`5,262,941
`5,274,547
`5,287,268
`5,297,202
`5,301,320
`5,361,201
`5,369,570
`5,383,113
`5,537,315
`5,559,895
`5,576,951
`5,604,341
`5,611,052
`5,627,978
`5,699,527
`5,734,837
`5,744,882
`5,774,882
`5,774,883
`5,794,133
`5,797,133
`5,867,799
`5,870,721
`5,878,403
`5,893,128
`5,930,776
`5,940,811
`5,940,812
`
`5,940,829 A
`5,950,169 A
`5,960,404 A
`5,966,699 A
`5,974,392 A
`6,014,645 A
`6,029,149 A
`6,105,007 A
`6,135,349 A
`6,135,399 A
`6,233,566 Bl
`6,385,594 Bl
`6,603,487 BL*
`6,611,052 B2
`7,181,427 Bl*
`
`8/1999 Tsuikietal.
`9/1999 Borghesi etal.
`9/1999 Chaar ct al.
`10/1999 Zandi
`10/1999 Endo
`1/2000 Cunningham
`2/2000 Dykstra et al
`8/2000 Norris
`10/2000 Zirkel
`10/2000 Savoie etal.
`§/2001 Levine etal.
`5/2002 Lebda etal
`8/2003 Bennettetal. 0... TAS/TSL
`8/2003 Poo etal.
`2/2007 DeFrancescoetal. ......... 705/38
`
`OTHER PUBLICATIONS
`
`Berzof, Ken, “Kiosk Issues Bank Cards for Those Dashing Through
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`Capstone Decision Manager: Application Decision Management,
`HNCSoftware, 28 pages, Publication date unknown. (Missingpp.8,
`12, 22 and 28).
`“Car loans in minutes,” Bank Management, Bank Administration
`Institute, vol. 69, No. 4, Apr. 1993, p. A23.
`E-mail Message from Michael J. McEnvoy, Tower Group, to Dennis
`Warnke, CMSINC,Nov.5, 1998, 3 pages.
`Evans, Steve, “No Longer Processing Just Plastic,” SNL Securities,
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`Lawrence, Jeannette, “(Part 1 of3) Untangling Neural Nets (Whenis
`one modelbetter than another?),” Dr. Dobbs Journal, Miller Kreeman
`Inc., Apr. 1990, 3 pages, printed from Internet(hUp address unclear).
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`Publication dale and source unknown.
`Product Description: StrategyWare.I'M. Version 1.2, Fair, Isaac and
`Company, Incorporated, 1998, 60 pages. (Missing pp. 44 & 48).
`RiskWisc Products and Services, 2 page brochure, Publication date
`and source unknown.
`RiskWise Technology Overview, 4 page brochure, Publication date
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`“Atlanta-based COIN Banking Systemssigns alliance with NCR for
`credil authorization solution,” Business Wire, Business Wire, Inc.,
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`“Application Processing for Credit Programs,” The Magazine of
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`Bill Atkinson, “Columbia Firm Helps Banks Ring Up Loans on
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`pp. 30-32, dated May 1993.
`Richard Read, Crossing the Track to Success, Euromoney, p, 177-
`180, Jun. 1988.
`Anonymous, MortgageWare Resource guide, Interlinq Software
`Corp, Nov. 1992.
`David O. Tyson, Interlinqg Mortgage Software Hits Big Time with
`Prudential Real [state Subsidiary Deal, American Banker, p. 12,
`Nov. 18, 1987.
`Tlarry S. Wortmann, “Re-Ingineering Update: Where Banks are
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`Conroy, Bill, “Citicorp test-markets device that simplifies home
`banking,” The Business Journal. p. 16, Oct. 29, 1990.
`Day, Kathleen, “Cutting Corners at the Kiosk: New services Widen
`Use of Electronic Devices,” The Washington Post, Jul. 22, 1994, p.
`Al.
`Fortunato, Laura, “Loan Lending Magic,” Winter 1996/97, vol. 13,
`No. 4, p. 12-15
`
`PROVI-1029 - Page 2
`
`US 7,814,002 B2
`Page 2
`
`U.S. PATENT DOCUMENTS
`1/1985
`Pritchard
`T1986
`DeFrancescoetal.
`T1986
`Nogamiet al.
`2/1987
`Roberts
`2/1987
`Childress
`3/1987
`Valentino
`3/1987
`Marshetal.
`3/1987
`Hain etal.
`6/1987
`Kurokietal.
`Yamamoto
`TAO8T
`1/1988
`Roberts
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`Robertsetal.
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`Fang etal.
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`Campbell et al.
`Carter
`3/1989
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`Longfield
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`Clouse
`8/1990
`Gorog
`Brune
`8/1990
`9/1990
`Parker
`10/1990
`Bishopetal.
`2/1991
`Tyler
`6/1991
`Kaplan et al.
`Cuervo
`6/1991
`6/1991
`Keyser, Jr. et al.
`9/199]
`Daoetal.
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`Grossetal.
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`Protheroe etal.
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`Championetal.
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`Carpentier etal.
`3/1993
`Deniger
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`Miller etal.
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`McCarthy
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`Jones et al. occ 705/38
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`Ruggiero
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`Kappetal.
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`Mitcham
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`Grossictal.
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`
`* E
`
`d
`
`PROVI-1029 - Page 2
`
`

`

`US 7,814,002 B2
`
`Page 3
`
`Jost, Allen, “Neural Networks: A logical progression in credit and
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`Association, Mar./Apr. 1993, p. 26-33.
`Kantrow, Yvelle D., “Electronic Network Will Link Car Dealers to
`Many Lenders: Goalis to Create a Form of EFT Transfer System,”
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`Karson, Daniel, “Tactical Field Strategies to Trace and Recover
`Assets in the United States,” A practical Guide to Asset'lracing and
`Recovery: Sure-Fire Strategies lo turn hollow judgements into Liu-
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`Allow Customers to Trade Shares,” The Washington Post, Oct. 6,
`1994, p. D1,
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`ing as consumers binge on borrowing,” Business Week, The
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`network,” ‘The Denver Post. p. A-2, Jun. 8, 1989.
`“New Paradigmsin Retail Banking: The RDS Report on the Fulure of
`Retail Banking Delivery,’ Bank Administrative Institute, 88 Pages,
`1994.
`Barchard, David, “Cautious mortgage lenders redo their sums,”
`Financial limes, Weekend Jun. 20/Jun. 21, 1992.
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`20, 1994, p. 68. “Interactive Banking Gets a Push Up North,’ Bank
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`Rothfeder, Jeffrey, “Electronic Bill-Paying for the Little Guy,” Busi-
`ness Week, McGraw-Hill, Sep. 25, 1989.
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`Systems and Technology, Miller Freeman, vol. 33, No. 4, p. 34-35,
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`“Re-Engineering Update: Where Banks are Going to Fil Along the
`Information Highway,” American Banker,p.7, vol. 159, No. 98, Apr.
`1994.
`“Barnett arm links with auto dealers”, Bank Systems & Technology,
`v34, nA, p. 14, Apr. 1997.
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`Jennifer, “Automated review system drives BB&T’s
`subprime loan business”, Bank Systems & Technology, v34,n7, p.
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`1996.
`“Opportunities, Obstacles in Suprime Loan Market’, Credit Risk
`Management Report, Feb. 26, 1996, vol. 6, Issue: 4.
`Capstone Decision Manager: Application Decision Management,
`HNCSoftware, 28 pages, Publication date unknown. (Missingp.8,
`12, 22, and 28).
`Evans, Steve, “No Longer Processing Just Plastic,’ SNLSecurities,
`Jan. 2000, pp. 39-40.
`Lawrence, Jeanette, “(Part 1 of 3) Untangling Neural Nets (When is
`one model better than another?).” Dr. Dobbs Journal. Miller Freeman
`Inc., Apr. 1990, 3 pages,printed from Internet (http address unclear).
`Product Description: StrategyWare.RTM. Version 1.2, Fair, Isaac and
`Company, Incorporated, 1998, 60 pages. (Missing pp. 44 and 48).
`Jason, Rich, “Software;for
`loan processing;column,” Mortgage
`Banking, Mortgage Association of America, vol. 50, No. 11, Aug.
`1990.
`Joe Kolman, “Ten Technologies Ahead of the Curve,” Institutional
`Investor, vol. 24, No. 16, p. 123-124, Dec. L990,
`Bill Atkinson, “Columbia Firm Helps Banks Ring Up Loans on
`Telephone,” Baltimore Business Journal, Baltimore Business Publi-
`cations, Inc., vol. 6, No. 19, Sec. 2, p. 7B, Oct. 17, 1988.
`Anonymous, MortgageWare Resource guide, Interling Software
`Corp, Nov. 1992.
`David O. Tyson, Interling Mortgage Software Hits Big Time with
`Prudential Real Estate Subsidiary Deal, American Banker, p. 12,
`Nov. 18, 1987.
`
`Anonymous, “Barnett arm links with auto dealers,” Bank Systems &
`Technology, Gralla Publications, vol. 34, No. 4, p. 14, Apr. 1997.
`Kantrow, Yvette D., “Electronic Network Will Link Car Dealers to
`ManyLenders: Goal is to Create a Form of EFT Transfer System,”
`American Banker Weekly Review, Feb. 8, 1988, pp. 5 & 10.
`Karson, Daniel, “Tactical Field Strategies to Trace and Recover
`Assets in the United States,” A practical Guide to Asset Tracing and
`Recovery: Sure-Fire Strategies to turn hollow judgements into Liti-
`galion Viclories, The Canadian Inslilule, SectionVII, p. 1-22,
`Apr. 3 & 4, 1997.
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`20, 1994, p. 68.
`“Interactive Banking Gets a Push Up North.’ Bank Systems and
`Technology, Mill Freeman, Inc.. Mar. 1994, p. 6.
`Rothfeder, Jeffrey, “Electronics Bill-Paying for the Little Guy,” Busi-
`ness Week, McGraw-Hill, Sep. 25, 1989.
`Eckerson, W., Network automates auto loan application process;
`Speeds loan Oks, helps buyers find best rates, Network World, Net-
`work World,Inc., available al hip://www.lexis.com, 2 pages. (Mar.6,
`1989),
`Factory Communications for Toyota AS/400 Dealerships.
`Network World.
`Dealer'track v. RouteOne Declaration of Dr. George'l. Liger.
`DealerTrack v. RoufeOne Memorandum of Claim Construction Con-
`cerning Patents 5,878,403 and 6,588,841,
`Dealer Track v. RouteOne GMAC 000001.
`RTC002341—COINLink Team Projects.
`R1C002303—COIN LinkFeature/Benefit Analysis.
`RTC002240—Business Plan 1987.
`RTC0023 16—Memore: New Name for COINLink.
`RTC002320—MemoRe: New Namefor COINLink.
`RTC002326—COINLink Meeting May13, 1988,
`~
`‘C002330—Steering Committee handwritten notes,
`RTC00233 1—Preparations for Pilot and Immediately Thereafter.
`RTC002334—Tab—Project Statuses.
`RTC002335—COINLinks TeamProjects.
`RTC002337—COINLinks Team Projects.
`R1C002340—Memore: Project Statuses.
`RTC092343—COINLinks Team Projects.
`RTC002344—COINLinks Team Projects.
`RTC002345—COINLinks TeamProjects.
`RTC002346—COINLinks Team Projects.
`R1C002347—COIN Links‘leam Projects.
`RTC002348—COINLinks Team Projects.
`RTC002349—COINLinks Team Projects.
`RTC002350—COINLinks TeamProjects.
`RTC00235 1—COINLinks Team Projects.
`R1C002352—COIN Links‘leam Projects.
`RTC002353—COINLinks Team Projects.
`RTC002357—Tab—Chrysler.
`RTC002358—Memorandumre: Chrysler Credit Funding Program.
`RTC002359—RequestforPricing.
`RIC002362—Handwritten letter to Mr. Nichols Simonds.
`RTC002363—Handwritten letter to Mr. Nichols Simonds (mirror
`image),
`RTC002364—Chrysler Credit Pilot.
`RTC002366—Presentation present to cc Aug. 24, 1989.
`R1IC002372—Business Cards,
`RTC002373—Summary of COIN’s Proposal to Chrysler Credit.
`RTC002374—The COIN Proposal.
`
`RTC002376—Technical Aspects of Pilot Project.
`RTC002377—Chrysler Credit.
`R1C002378—Analysis of Chrysler Needs.
`RTC002379—Presentation Continued.
`RTC002380—Presentation Continued.
`RTC00238 1—Presentation Continued.
`RTC002382—Presentation Presented to MIS Aug. 25, 1989,
`RTC002383—-Visio.
`RTC002384—Memorandum re: Summaryofnotes from phone con-
`versation with Jack Godwin of Chrysler Credit.
`RTC002386—Tab EDI Law.
`RTC002387—Memorandum re: Marketing of Electronic Services.
`RTC002389—Memorandumre: Marketing of electronic Services.
`
`
`
`
`
`
`
`
`
`PROVI-1029 - Page 3
`
`PROVI-1029 - Page 3
`
`

`

`US 7,814,002 B2
`
`Page 4
`
`
`
`
`
`
`
`
`
`RTE44883-RTE44885—Annual USA—systems developments
`
`RTC002390—Memorandumcontinued.
`RTE42106-RTE421 14—website article Team Up to Provide Home
`Banking.
`RTC002391—Correspondenceto G.J. Maloneyfrom J.R. Godwin.
`RTC002393—Draft EDI Law.
`RTE42115-RTE42124—The Washinton Post, Oct. 6, 1996.
`RTE42125-RTE42216—BAI,Final Report, “The RDS Report on the
`RTC002413—An Introduction to Electronic Data Interchange.
`Future of Retail Banking Delivery”, 1994.
`RTC002438
`Flow Diagram ofthe Statute of Frauds.
`RTE42217-RTE42224—Financial Times, 1992.
`RTC002440—Draft Discussion Paper on ED] Signatures Issues.
`RTC002463—Article 4A—FundsTransfers.
`RTE42225-RTE42227—BankSystems and Technology, Apr. 1984,
`vol. 31, No. 4.
`RI'C002469—Limitations on Liability.
`RTE42228-RTE42229—Business Week, Sep. 25, 1989.
`RTC002477—Press Release Sep. 19, 1989.
`RTE42230-RTE42232 Bank Systems and Technology, Apr. 1996.
`RTC002485
`Tab Generic Ap.
`RTC002486—Notes.
`RTE44431-RTE4443 1—Certificate of Correction for US Patent No.
`6,208,979.
`RTC002487—Applicant Data.
`RI'C002488—Customer’s Statement.
`RIE44857-RTE44859—Reseller News, Jun, 20, 1988.
`RTE44860-RTE44860—News & views.
`RTC002489—Dealer’s Work Sheet.
`RTE44861-RTE44863 Vendor Progress Report GSI (UK).
`RTC002490 Complete Application.
`RTC002491—TRWCredentials Service.
`RTE44864-RTE44865—Annual USA systems
`developments
`update, Part 2.
`RTC002505—Credit Application.
`RPC002506—Omni Auto Confidential Client Statement.
`RIE44866-R1E44871—CI1S-Commercial Inventory Services.
`RTC002507—Customer Confidential Statement.
`RTE44872-RTE44876—Aulo-Dealer systems in the UK & Update
`on European Strategies, 2.sup.nd Quarter Update, 1992.
`RTC002508—Questions for F&I Managers.
`RTE44877-RTE44882—Profiting from Computers.
`RTC002509—Questions continued.
`RTC002510—Customer’s Statement.
`
`RPC002511—STD APPFields,
`update, Part 2.
`RTC002512—Noles.
`RTE44886-RTE44890—VendorProgress Report GSI (UK).
`RTC0025 13—Dealer Information.
`RTE44891-RTE44900—web site article “Metroteller Hears the
`RTC002533—Credit Net Survey.
`Pleasant Jungle of Coms”; Banking Systems and Equipment, May
`1988; Business Journal, vol. 3, No. 32, Feb. 22-28, 1988; and Elec-
`RTC002535—Credit Net Survey—Al LongFord.
`RI'C002537—NewYork Credit Net Survey—Smith-Norwich.
`tronic Banking & Finance.
`RTC002539—Credil Net Survey—Mike Shad Ford.
`ADP000001-000500 ADP Information Services Host Systems
`RTC002541—Credit Net Survey—AdamsonFord.
`Detailed Specifications Sections 1-2 Product Requirements.
`ADP000501-001335 Sections 2-8 ofADP Information Services Host
`RTC002543—Credit Net Survey—Terry Ford.
`RTC002545—Credit Net Survey—Don Dan Ford.
`Systems Detailed Specifications Requirements Product Require-
`ments.
`RI'C002547—Credit Net Survey—Bill Brown.
`RTC002549—Credil Net Survey—Morris Ford.
`DP00 1336-001667 ADP Information Services Host Systems
`RTC00255 |—Credit Net Survey—North Park L/M.
`etailed Specifications Product Requirements Sections 1-3.
`RTC002553—Credit Net Survey—Country Ford.
`DP00 1668-002083 Section 3 Program Specifications.
`RTC002555—Credit Net Survey—Hilltop L™M.
`DP002084-002342 Section 3 Program Specifications.
`RI'C002557—NewYork Credit Net Survey—West Seneca,
`DP002343-002654 Financial File Application Maintenance, Sec-
`RTC002559—NewYork Credit Net Survey—Scarsdale Ford.
`lion 3 Program Specifications.
`DP002655-002973 PC Locator List Maintenance, Section 3 Pro-
`RTC002561—Credit Net Survey—Bruckman Ford.
`RCT002563—Credit Net Survey—Bill Russell Ford.
`am Specifications.
`RTC002565—Credit Net Survey—Jack Demmer.
`DP002974-ADP003202—Program Secifications.
`RI'C002567—Credit Net Survey—DobbsFord.
`DP0000 L-ADP000 12—ADPInformation Services Host Systems
`RTC002569—Draft Creditnet Survey Questions.
`etailed Specifications.
`RTW00001-RTW00174—Chemical Bank.
`RTC002570—Draft Credinet Survey Questions.
`RTW00175-RTW00250—Metroteller Dean Miller Referees.
`RTC002571—Automation Status, Credit Scoring.
`RTC002572—Table 89 Automation Status of Customer Service.
`
`RTW00251-RTW00335—Dean Miller “At a glance” 1990 calendar.
`RIW00336—U-Link.
`RTC002573—Tab—Satellites/Communications.
`RTW00337-RTW00342—*The Future is Here Why is Elextronic
`RTC002574—-Missing Link: ADCS Standard.
`Access Important?”.
`RTC002577—The Gateway Connection.
`RTW00343-RTW00349—Coin and Metroteller to Market Elec-
`RP'C002584—COINLink Customer Number.
`tronic Link Between Auto Dealers and Lenders.
`RT41989-RTE41990—website articel re: Bank Systems and Tech-
`—
`e1W00347 RTW00348—Corres. to B. Shah from J. Palmer.
`nology.
`RTW00349-RTW0035 1—Corres. to M. Singleton from B. Hill.
`RTE41991-RTE41993—Network World,vol. 6. No. 9, Mar. 6, 1999.
`RTW00352-RTW00376—Corres. to J. Wolfson from J. Palmer.
`RTE41994-RTE41995—Article titled “Network automates auto
`RTW00377-RTW00390—V-Link Analysis.
`loan application process”.
`RTW00391-RTW00423—-V-Link Product Analysis.
`RTE41996-RTE42000—Article titled, “Kiosk issues bank cards for
`R1W00424-R1TW00429—Coinlink Project Status Report.
`those dashing through dough”.
`RTW00430-RTW0043 1—Memoto J. Wolfson from Mootet al.
`RTV:42001-RTT42016—Bank Management.
`RTW00432—V-Link Current.
`RTE42017-RTE42020 American Banker, vol. CLXIV, No. 49,
`RTW00433—V-Link Logo.
`Mar. 15, 1999.
`RTW00434—V-Link Update.
`RTE42021-RTE42030 Mortgage Bankingarticles, Aug. 1990.
`R1W00435—KeyBank V-Link Presentation.
`RTE42031-RTE42034—Bank Administration article, Nov. 1988.
`RTW00436-RTW00439—Article Marine Midland pland auto loan
`RTE42035-RTE42037—Baltimore Business Journal, Oct. 17-23,
`venture with giants with; Corres.
`1988.
`RTW00440—Article Marine forms venture to expant auto financing.
`RTE42030-RTE42047—Banking Technology, May 1993.
`RTW00444-RTW00445—Memoto J. Wolfson & C, McIntyre from
`S. Sterman.
`RTE42048-RTE42062—American Banker, Nov. 28, 1987.
`Cross Sections Winter 1996/97 vol. 13 No. 4.
`RTW00446-RTW00448—Minutes to NFADA Committee Meeting.
`RTE42069-RTE42078—Credit World, Mar./Apr. 1993.
`RTW00449—Memore: Marine Involvementin Coinlink Project.
`RTW00450-RTW00453—Coinlink
`Financial
`Proforma—with
`RTE42079-RTE4208 1—American Banker, Feb. 8, 1988.
`Marine Volume.
`RTE42082-RTE42105—A Practical guide to Asset Tracing and
`Recovery, Apr. 3 & 4, 1997.
`RTW00454—Memore: Marine Involvement in Coinlink Project.
`
`Crereeop
`
`DPS
`
`
`
`
`
`PROVI-1029- Page 4
`
`PROVI-1029 - Page 4
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`

`

`US 7,814,002 B2
`
`Page 5
`
`
`
`RTW00455-RTW00456—Coinlink Financial Proforma.
`DCS000005—Project Leaders.
`RTW00457—Corres.re: Coinlink.
`DCS000006—Application Development Committee,
`RIW00458—Corres. to M. Love from C. Procknal.
`DCS000007—Automated Credit Application.
`DCS000008—Implementation Commiltee.
`RTW00459-RTW0046 1—System 88—Comparison Sheet.
`DCS000009
`System Features Committee.
`RTW00462-RTW00463 Memorre: Coinlink Capitalization.
`DCS000010—Off-Hours Service Committee.
`RTW00464-RTW00466—Coinlink Financial Proforma.
`DCS00001 1—Scope.
`RTW00468-RTW00470—Cost Summary.
`DCS000012—General Business Requirements.
`RIW0047 1—Corres to M. Singleton re: Metroteller SystemsInc.
`DCS000013—Business Requirements.
`RTW00472-RTW00473—Coinlink Functional Specification Oul-
`DCS000014
`Simware Network Overview.
`line.
`DCS000015—Tab—Field Notes.
`RTW00474—Metroteller Systems Inc. Written notes.
`DCS000016—Memore: Dealer A.C.E.—Rollout progress.
`RTW00475-RTW00484—Coinlink Project.
`RPW00485-R1W00487—Corres. to P. Willax from J. Willis.
`DCS00017—General Doc Form—App ID Dup. Check in Batch,
`RTW00488—Siatus.
`DCS000018—General Doc Form—Discounted Indicator.
`RTW00489-SRT00492 Corres. to T. Kress from S, Sterman.
`DCS000019 General Doc Form Weekly Hardcopy Report.
`DCS000020—General Doc Form—Dealer Number Changes.
`RTW00493—V-Link Diagram.
`DCS00002 1—General Doc Form—Weekly Hardcopy Report.
`RTW00494-RTW00519—YV-Link Program Functional Specifica-
`tion.
`DCS000022—General Doc Korm—Weekly Hardcopy Report.
`
`RTW00520-RTW00523—Coinlink=Technical—Specifications DCS000023—General Doc Form—Weekly Hardcopy Report.
`Manual.
`DCS000024—General Doc Form—Refinement to the Send Func-
`tion.
`RTW00524-RTW00617—Coinlink=Technical—Specifications
`Manual.
`DCS000026—General Doe Form—Preliminary Notes for Tech
`‘leam.
`RIW00618—Metroteller Logo.
`DCS000030—General Doc Form—Whatlo do if the Branches want
`RTW006 19-RTW00646—CoinLink Diagram & Corres. lo M. Love.
`RTW00647-RTW0065 |—Concurrent Computer Corp.
`to use A.C.E. on Sunday.
`RTW00652-RTW00654—Overview of SDM International.
`DCS000047—General Doc Form—NADA UVG Available Indica-
`tor.
`RTW00655-RTW00657—Corres. to M. Love & S. Sterman.
`DCS000049—Report.
`RIW00658-R1'W00661—Metroteler Systems—Coinlink spread-
`sheel.
`DCS000076—General Doc Form Auditing for Product changes,
`RTW00662-RTW00665—Metroteler Systems—Coinlink spread-
`Including UVG.
`sheet.
`DCS000082—General Doc Form Branch Ace used Vehicle Guide
`RTW00666-RTW00669—Metroteler Systems—Coinlink spread-
`Processing.
`sheet.
`DCS000085—General Doc Form Expanded ‘lransaction type
`RTW00670-RTW00672—Metroteler Systems—Coinlink spread-
`change Capability.
`sheet.
`DCS000089—General Doc Form Summary of Changes to the
`RTW00673—Metroteller Systems Inc.
`Branch System.
`RTW00674-RTW00675—Coinlink Project.
`DCS00009 1—General Doc Form Changes to UVG Processing for
`Vehicles Not Funded.
`RI'W00676-RI'W00677—Memoto J, Wolfson, C. McIntyre from S.
`Stermen.
`DCS000098—Used Vehicle Scenarios,
`RTW00678-RTW0068 |—Subscription Agreementfor the Purchase
`DCS000 100—Dealer System Interface for Branch-Entered Apps.
`of Shares of CommonStock.
`DCS000106—General Doc Form SystemTest Plan.
`DCS000112—General Doc Form Financial Information Screen.
`RTW00682-RTW00685—Subscription Agreementfor the Purchase
`of Shares of Common Stock.
`DCS000114—Branch Ace Collateral Screen.
`RTW00686—Written notes.
`DCS000123—Memore SummaryofJul. 15, 1994 Core Team Meet-
`ing.
`RTW00687—MEM6Ote: Coinlink Project Update.
`DCS000125—General Doc Form Dealer Ace Data Retention.
`RTW00689-RTW00705—Orig. MSI/Coin Agreement.
`RTW00706-RTW00799—Metroteller Systems Inc. Binder.
`DCS000128—General Doc Form Current Development Activity
`Form.
`RIW00800-RIW00898—Integrated Delivery ‘lechnologies/ 1988
`Business Plan.
`DCS000130—General Doe form Dealer A.C.E. DB2 Table Identifi-
`cation.
`RTW00899-RTW00924—V-Link Program Functional Specifica-
`tion
`DCS00013 1—General Doc FormExit to L'se Vehicle Guide fromthe
`RTW00925-RTW00983—_NFADAProject Planning Meeting.
`Applicant Screen.
`RIW00984-R1TW00985—Article Banks entering race for quick
`DCS000133—Interface to the Used Vehicle Guide System.
`credit ok; Corres. to M. Singleton.
`DCS000136—General Doc Form Branch Ace Properties.
`RTW0986-RTW001023—Comerica Acceptance Corp. ALPS
`DCS000 138—General Doc Form New Work Queues in Brane ACE
`Revised.
`Project.
`RTW01024-RTW001027—Indiana Center for Telecommunication.
`DCS000140—Memore Dealer Ace application Development Priori-
`ties.
`RPWO01028-R1TW01039—Certified Collateral Corp. CARX-OTC.
`RTW01040-RTW01055—Coinlink Corres. & Agreement.
`DCS000148—General Doc Form System Test.
`RTW0 1056—Written Notes.
`DCS000 149—Dealer Ace Test Plan.
`RTW01060-RTWO0106 1—Written Notes.
`DCS000152—More Changes to the Branch System.
`RTW01062-RTW01064—Coin Contacts with written notes.
`DCS000153—General Doc Form CFC Dealer Mainframe Menu.
`RPW0O1065—Empire Bank PhaseI.
`DCS000155—General Doc Form Changes
`to Branch ‘lable
`RTW01067-written notes.
`Maintenace.
`RTW01068-RTW0 107 |—Accounting Statement of Daniel Gordon.
`DCS000 16 l—General Doc Form New Work Queuesin Branch Ace.
`RTW01072-RTW01073—Written notes.
`DCS000163—General Doc Form Application Statuses—Internal
`Codes.
`RTW01074-RTW01089—Outline for Empire Bank Meeting.
`DCS000 165—General Doc Form Send Comand with Comments.
`RTW01090-RTW01092—Agenda Automation of Auto Financing.
`RTW01093-RTW01094—Application to Approval/Decline Flow.
`DCS000171—General Doc Form Dealer to Branch Messages.
`DCS000 173—General Doc Form Comments on Current Minutes.
`DCS00000 |—Dealer Ace Development Manual.
`DCS000002—Dealer Ace Project Participants.
`DCS000177—General Doc Form Changes to the Dealer Log.
`DCS000180—General Doc Form Two Problemsto Solve.
`DCS000003—Dealer Ace Project.
`DCS000004—Contents
`DCS000185—Dealer 3270 Access Via Simware
`
`
`
`PROVI-1029 - Page 5
`
`PROVI-1029 - Page 5
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`

`

`US 7,814,002 B2
`
`Page 6
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`
`
`FRDO001130—Creditnet Enrollment Form.
`DCS000187—General Doc Form Batch Requirements for Dealer &
`FRDO001131—Creditnet Enrollment Form.
`Branch A.C.E.
`FRD001132—Creditnet Enrollment Form.
`DCS000189—Gencral Doc Form History & Auditing.
`FRDO01133—Creditnei Enrollment Form.
`DCS000 19 1—Dealer ACE Data Change fields (continued).
`FRD001134 Creditnet Enrollment Form.
`DCS000193 General Doc Form History & Auditing.
`FRDO01135—Creditnet Enrollment Form.
`DCS000199—Applications in the ACE System.
`FRD001136—Creditnet Enrollment Form.
`DCS000202—Dealer ACE Application Development Team Meeting
`FRDO01137—Creditnet Enrollment Form.
`Notes.
`FRDO01138—Creditnei Enrollment Form.
`DCS000203—General Doc Form Product Change Function.
`FRDO001139
` Creditnet Enrollment Form.
`DCS000205 General Doc Form Delete Function.
`FRDO001140—Creditnet Enrollment Form.
`DCS000207—Dealer ACE Application Development Sub-Commit-
`FRDO001141—Creditnet Enrollment Form.
`tee Meeting Notes.
`FRDOO1142—Creditnet Enrollment Form.
`DCS000208—General Doc Form System Weekend Hours.
`FRD001143—Creditnet Enrollment Form.
`DCS000209—Genera!
`Doc
`Form
`Dealer/Branch
`
`Interface Revised. FRDO001144=Creditnet Enrollment Form.
`DCS000213—General Doc Form Dealer/BranchInterface.
`FRD001
`145—CreditnetEnrollment Form.
`DCS000217—General Doc Form Dealer/Branch Interface.
`FRDO01146—Creditnet Enrollment Form.
`DCS000219—General Doc Form “Preferred Prospect” Recognition.
`FRDO01147—Creditnet Enrollment Form.
`DCS000220—General Doc Form Application Development Team
`FRDO01148—Crediinei Enrollment Form.
`Status.
`FRDO0! 149—Creditnet Enrollment Form.
`DCS000222—Full Service System.
`FRDOO1150—Creditnet Enrollment Form.
`DCS000224—Process Flow Diagrams.
`FRD001151—Creditnet Enrollment Form.
`DCS000234—Financial Information (GK Lease).
`FRDOO1152—Creditnet Enrollment Form.
`DCS000236—Financial Information (GK Plus).
`FRDO01153—Creditnei Enrollment Form.
`DCS000238—Financial Information (Retail).
`FRD001 154—Creditnet Enrollment Form.
`DCS000240—Applicant Information.
`FRDO01155—Creditnet Enrollment Form.
`DCS000242—SpouseInformation.
`FRD001156—Creditnet Enrollment Form.
`DCS000243—CobuyerInformtion.
`FRDO01157—Creditnet Enrollment Form.
`DCS000245—Decision Information.
`FRD001158—Creditnet Enrollment Form.
`DCS000247—Main Menu.
`FRDO0! 159—Creditnet Enrollment Form.
`DCS000258—Dealer A.C.E. System Test Control.
`FRDOO1160—Creditnet Enrollment Form.
`DCS000260—Dealer A.C.E. System Test Control.
`FRD001161—Creditnet Enrollment Form.
`DCS000269—Dealer A.C.E. system ‘Test Control,
`FRDO001162—Creditnet Enrollment Form.
`DCS000277—Dealer A.C.E. System Test Control.
`FRDO01163—Crediinei Enrollment Form.
`DCS000284—Dealer A.C.E. System Test Control.
`FRD00! 164—Creditnet Enrollment Form.
`DCS000293—Chryster Financial Corporate Deal Direct.
`FRDO01165—Creditnet Enrollment Form.
`DCS$000358—Dear Ace Dealer Information.
`FRDO01166—Creditnet Enrollment Form.
`DCS000673—Ace Automated Credit Evaluation System.
`FRDO001167—Creditnet Enrollment Form.
`DCS00068 1—Dealer Ace—Chrysler Credil’s Automated. Credit.
`FRDO01168—Crediinet Enrollment Form.
`DCS000649—Exhibit
`B—Schedule
`of
`Fees
`and
`FRDO0| 169—Creditnet Enrollment Form.
`Charges—Electronic Credit Applications.
`FRDO01170—Creditnet Enrollment Form.
`DT022652—License Agreement between DealerTrack and CarMax.
`FRD001171—Creditnet Enrollment Form.
`
`
`
`D1022667—Dealer'lrack Consolidated—FinancialHolding FRDO001172—Creditnet Enrollment Form.
`Statemetns Dec. 31, 2002 and 2001.
`FRDO001174—Creditnet Enrollment Form.
`
`FRD000|18—Creditnet Bulletin. FRDO0! 175—Creditnet Enrollment Form.
`FRD000193—Ford Credit Operators Guide,
`FRDO01176—Creditnet Enrollment Form.
`FRD000810—Creditnet Status Report.
`FRD001177—Creditnet Enrollment Form.
`FRDOO1104—Creditnet Enrollment Form.
`FRDOO1178—Creditnet Enrollment Form.
`FRDOO1105—Creditnet Enrollment Form.
`FRDO01181—Creditnet Enrollment Form.
`FRDOO! 106—Creditnet Enrollment Form.
`FRDO0! 180—CreditnetEnrollment Form.
`FRDO001107—Creditnet Enrollment Form.
`FRD001182—Creditnet Enrollment Form.
`FRDOO1108—Creditnet Enrollment Form.
`F