US 7,814,002 B2Grant

Computer implemented automated credit application analysis and decision routing system

Issue Date:2010-10-12

•12 Claims

•50 Drawing Sheets

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.

Metadata

Assignee

DealerTrack, Inc.

Inventors

James R. DeFrancesco
Scott L. Freiman
Arvind K. Agrawal

Application Information

Application Number:US 10/650,389

Filing Date:2003-08-28

Priority Date:1995-09-12

Art Unit:3684

Classifications

IPC:

G06Q40/00

Patent Drawings (50 sheets)

Description

Cross-Reference to Related Applications

[0001] This application is a divisional application of U.S. patent application Ser. No. 10/441,534, filed on May 20, 2003, and a continuation in-part of U.S. patent application Ser. No. 08/922,462, filed on Sep. 3, 1997 (now issued as U.S. Pat. No. 7,181,427). U.S. patent application Ser. No. 10/441,534 is a divisional application of U.S. patent application Ser. No. 09/107,321, filed on Jun. 30, 1998 (now issued as U.S. Pat. No. 6,587,841), which is a divisional application of U.S. patent application Ser. No. 08/526,776, filed on Sep. 12, 1995 (now issued as U.S. Pat. No. 5,878,403). U.S. patent application Ser. No. 08/922,462 is a continuation-in-part of U.S. patent application Ser. No. 08/526,776, filed on Sep. 12, 1995 (now issued as U.S. Pat. No. 5,878,403).

[0002] This application is a continuation-in-part of co-pending U.S. application Ser. No. 08/922,462, filed on Sep. 3, 1997, the contents of which are hereby incorporated by reference herein in the entirety.

Statement Regarding Federally Sponsored Research or Development

[0003] Not applicable.

References to Sequence Listing, Tables or Computer Program Listing Appendix on Compact Disk

[0004] Not applicable.

Background of the Invention

[0005] 1. Field of the Invention

[0006] The invention relates to the technical field of data processing, and more particularly to a computer implemented credit application analysis and decision routing system.

[0007] 2. Background Information

[0008] Obtaining credit and financing of a major consumer purchase has been done manually in the past. Typically, an applicant fills out a credit (loan) application by hand. A sales representative of the vendor from which the consumer wishes to make his purchase, using information from the consumer's application, may then call up a credit bureau to obtain by teletype a credit report on the applicant. Sometimes the credit bureau has an automated computerized system from which the sales representative can obtain the credit report on-line. The process of obtaining a credit bureau report, regardless of the method used, is hereinafter sometimes referred to as “pulling” a credit bureau report. Subscribers to a credit bureau, such as retail vendors or banks, are charged a fee by the credit bureau each time they pull a credit bureau report.

[0009] While sales representatives use credit bureau reports to gain information regarding an applicant's credit profile that will be helpful in determining which funding sources, e.g., banks, may be most likely to approve the applicant's transaction, credit bureau report reviews by sales representatives generally are somewhat superficial. This is in part due to the fact that certain information in credit bureau reports is encrypted or abbreviated in ways that render the information virtually inaccessible to someone who is not specially trained in credit bureau report analysis, and sales representatives rarely if ever have such detailed training. Consequently, the sales representative makes a judgmental or subjective credit analysis based on the information he can glean from the credit bureau report. The consumer's paper application then is faxed to one or more lenders for detailed credit analysis and a decision by the lender(s) regarding approval of the application.

[0010] Put another way, the current industry approach is that prior to submitting the application to a funding source or sources, the dealer F&I (Finance and Insurance) staff will request an inquiry copy of the applicant's credit bureau information, either manually or on-line. Currently, the credit bureau inquiry report the dealer F&I staff uses is in the so-called “TTY format”, as provided by the credit bureau. Each credit bureau has its own format for their “TTY formatted inquiry response.” The dealer F&I staff must be able to read and interpret the information in the credit bureau inquiry response because they use this information to determine which funding source or sources are more likely to approve the applicant's credit application.

[0011] Often the dealer's F&I staff must request an applicant's credit bureau information from more than one credit bureau, such as when information on a credit bureau report is lacking in pertinent information, shows a negative credit history, and/or does not agree with the information provided by the applicant. The dealer F&I staff then must read and interpret multiple credit bureau TTY formatted reports consisting of lists of codes and extracts of credit information, which are, as noted earlier, difficult to understand. Finding pertinent information to assist the dealer F&I staff in choosing the appropriate funding sources or sources to receive a given application is, therefore, not easy, and there is a considerable opportunity for errors and misinterpretations to occur.

[0012] At the lender, the faxed application is entered into the lender credit analysis system and/or forwarded manually to an appropriate decision-maker to be reviewed. As part of this credit analysis process, the lender also pulls its own credit bureau report(s) on the applicant. Once a decision is made whether or not to provide an approval of the application, a written notice is prepared and faxed back to the sales representative or the lender telephones the sales representative with the lender's decision.

[0013] In the automotive sales arena in particular, when a dealer sells a vehicle, one of the important services it provides to its customers is vehicle financing. To provide this service, an auto dealer typically has agreements with multiple financial institutions to provide indirect loan application processing and funding. As the term suggests, indirect loans or indirect financing involves any financing transaction which is originated by an entity other than the funding source. For example, an auto dealer initiates automobile financing transactions for his customers (e.g., a car loan or lease), but financial institutions actually fund the transactions. These financial institutions will be hereinafter referred to interchangeably as funding sources, lenders, or banks.

[0014] An auto dealer, also referred to hereinafter as a dealership, needs access to multiple funding sources so that it can provide credit for all of its customers regardless their credit history and ability to pay. This service is very important to the dealership and most dealerships have a distinct department to provide just this service, referred to as the Finance and Insurance department, or simply the “F&I” department. The F&I department takes credit application information (e.g., Automotive Dealer Indirect Credit information) from its vehicle customers, prepares indirect loan or financing applications, hereinafter also referred to as credit applications or simply the applications, and forwards each application to the funding sources which are considered likely to provide credit for particular purchases. In cases where the dealer pulls its own credit bureau report on an applicant, the decision regarding which funding sources will be sent the application is generally based on the dealers subjective review of the credit bureau report.

[0015] Currently, the dealer either manually writes a credit application or enters the application data into an F&I computer system. In the latter case, the application is printed from the F&I system on paper and the paper application is faxed to the funding source. In a few instances certain dealers may have the ability to transmit applications from their computers via modem to a preferred funding source(s), but application processing by the funding source is still performed off-line (i.e., independently of this transmission process between the dealer and the funding source) and is not integrated as a single system with the dealer's application preparation process.

[0016] If the dealer wanted to send the application to multiple funding sources, until now, the dealer had to manually fax it or transmit it to each funding source. If the dealer wanted to make changes to the application, the new or revised paper application had to again be faxed or transmitted to the funding source or sources.

[0017] Further, after the bank received the paper credit application by fax, the bank would typically then manually enter the application data into their credit application processing system, and any changes later supplied by the dealer would also have to be manually entered. As can be readily appreciated, the manual processing of credit application data by the dealer and the bank provides many possibilities for the introduction of errors and delays in the processing, and consequently in the approval or disapproval decision regarding a credit application.

[0018] Entering the application data into the credit processing system at the bank requires bank personnel. Although a large number of automobile purchases are made on weekends, most banks either do not have any staff or do not have adequate numbers of staff available on the weekends to handle the application data volume. As no electronic system or device exists today for automating financing decisions and review application data entered at a dealership, the current approach typically results in a major backlog of data entry on Monday mornings or the first day after a bank is closed. Besides the adverse effect on workload, this also represents a delay in processing credit applications.

[0019] As described, currently a dealer uses a manual or non-automated approach to find a funding source that is willing to provide a loan to a particular dealer customer, for a particular vehicle purchase. The dealer F&I staff manually prepare the loan application and manually fax the paper application to one or multiple funding sources. The dealer F&I staff must then wait for the funding source to determine if the application is approved or disapproved, or whether additional information is required, and it is not uncommon for hours to elapse without any response from the funding sources. Should an unreasonable amount of time elapse, the F&I staff may then decide to call one or more of the funding sources which were sent the application for an update on the status of the decision process. The dealer F&I staff must wait while the funding source(s) staff enter the credit application in their credit application processing system, pull a credit bureau report(s) on the applicant, and then process the credit application data. The dealer F&I staff must keep track of when and to which funding sources a particular application has been sent, resulting in a substantial record keeping burden. This burden is further magnified when credit application volume is high, as typically occurs during sales promotions, for example.

[0020] As mentioned above, the dealer F&I staff can send an application to one, several or all funding sources available to the dealer. Sending the application to all available funding sources at the same time is sometimes referred to as “shot-gunning,” a practice used by some F&I departments to get the quickest response to a credit application. On the other hand, shot-gunning is naturally discouraged by funding sources because of the time and overhead required by the funding source staff to enter and process the credit application and the reduced probability of the funding source ultimately funding the associated loan or lease from the dealer. Manually shot-gunning applications can be time consuming and wasteful of employee resources.

[0021] Currently, there is no system permitting sharing of credit bureau report information between funding sources and dealers. Consequently, the cost of pulling credit bureau reports may be unnecessarily duplicated at the funding source and dealer levels. Additionally, as there are three different major credit bureaus in the U.S. market, and each uses a unique format and may have access to different credit information on any given individual than the other credit bureaus, the credit analysis and decision process can become further complicated. For example, if the dealer obtains its report from a different credit bureau than the one used by the funding source and discussions between the dealer and the funding source required before any decision can be made, these discussions are often hampered by the fact that the two parties to the discussion, the dealer and the funding source, do not have access to the same complete set of information which the other party is using to draw its conclusions.

[0022] Certain aspects of the above process have been automated to a limited extent, for example, according to Jones et al. (U.S. Pat. No. 5,239,462). However, a need has existed for a comprehensive automation of the whole credit application process to solve the above problems, as well as to provide additional flexibility and functionality in the management of the credit application process.

Objects of the Invention

[0023] An objective of the present invention is to solve the above-mentioned problems, which include but are not necessarily limited to: (i) manual loan application entry by funding sources, (ii) heavy reliance on verbal telephone conversations and fax transmissions throughout the application routing, review and approval process, (iii) appropriate funding source selection for specific applications, (iv) shot-gunning applications, (v) difficulties with credit bureau report analysis, (vi) duplicating costs for pulling the same credit bureau report, (vii) the introduction of errors into applications resulting from the need to enter information more than once, (viii) the length of time between submitting applications to finding sources and receiving responses, (ix) delays resulting from the funding source being closed or periods of high sales volumes, and (x) sales representatives/dealers and funding sources not having access to identical sets of credit information regarding the same applicant.

[0024] The present in invention further has the following additional objectives.

[0025] It is an object of the present invention to provide a centralized conduit for the collection and transfer of credit applications and decisions between dealers and funding sources.

[0026] It is an object of the present invention to provide a centralized database which accumulates credit application data.

[0027] It is an object of the present invention to allow sales representative personnel (e.g., F&I staff) to perform application data entry in order to eliminate the errors caused by the entry of data by the funding sources' staff. Further, by substantially eliminating the entry of credit applications by the funding sources' staff, except in rare and unusual circumstances, the present invention reduces the need to keep large staffs available on weekends, for example, to enter applications.

[0028] It is a further object of the invention to balance the credit application processing load and reduce the backlog of applications on Mondays or the first day after the funding source is closed, for example.

[0029] An object of the present invention is to significantly reduce the time required by the overall credit decision process, thereby leveling the application delivery load over any given period of time, balancing the application load on the system and staff while at the same time allowing both to handle greater application volumes, eliminating current bottlenecks in the application analysis, routing and decision process, and providing credit decisions during off-work hours of funding sources.

[0030] It is a further object of the invention to reduce the credit application processing time required by the funding sources.

[0031] It is an object of the invention to provide a dealer with on-line and off-line entering of application data, for transfer to one or more funding sources sequentially and automatically, and at a time when it is convenient to the dealer.

[0032] It is an object of the invention that, instead of faxing an application to the funding sources, a dealer enters the application electronically, either on-line or off-line, and directs the system to selectively send the application to any number of finding sources, including conditions under which the application should be automatically forwarded to additional funding sources in the event a decline notice, conditional approval, or no response, etc., is received from a funding source(s).

[0033] It is also an object of the invention to provide for automatic faxing of an electronic application, in standardized fax format, to a funding source as required, for example if normal lines of communications are down, or if the funding source does not utilize a system capable of receiving an application in other than fax format. “Standardized” here means in a format which is standard for the funding source to which the fax is directed, i.e., organized in the format matching the unique requirements of each respective funding source.

[0034] It is an object of the present invention to maintain faxed applications the same as electronically submitted applications, to provide fax forwarding, and to keep faxed status indications.

[0035] It is an object of the present invention to send the application directly to a funding source credit application processing system, bypassing the need for the funding source to manually enter the application.

[0036] It is an object of the invention to provide a dealer with ease and flexibility in funding source selection, sequencing and timing, including user selected defaults which can be overridden on a case-by-case basis.

[0037] It is an object of the invention to provide for editing of an electronic application before or after it is electronically sent to a funding source.

[0038] It is an object of the invention to provide interactive, on-line and off-line application data entry, editing and review.

[0039] It is an object of the invention to provide a dealer with the ability to access credit bureaus, to analyze, summarize and present key credit information contained in a credit bureau report in an easily understandable format, thereby rendering the report more valuable to both the dealer and the funding source as a tool for making credit related decisions.

[0040] It is an object of the invention to provide for secure access to the credit application and routing system, facilitating multiple levels of security.

[0041] It is an object of the invention to provide credit application management and administrative functions, including statistical analysis of credit application processing, funding source decisions, system usage, applications pending and with which funding sources they are pending, status of all applications entered during various time frames, etc.

[0042] It is an object of the invention to provide workflow management of each credit application and an audit trail wherein each significant step of the application process is time, date and user-stamped, wherein any problems or errors encountered are logged for later analysis and correction, and wherein account status, i.e., current charges, transactions processed, etc., can be accessed, as well.

[0043] It is an object of the invention to provide a user with access to a variety of optional additional useful features, such as a loan calculator, a loan vs. lease analysis, access to a vehicle pricing guide, news article retrieval, a pop-up calendar, etc.

[0044] It is an object of the invention to facilitate lender broadcasts, wherein a lender has the capability to send new product news, for example, to any or all dealers, individually or in lender defined groups.

[0045] It is an object of the invention to provide various billing features, including automatic direct billing, or billing to a credit card.

[0046] It is an object of the present invention to enable the distribution of “pricing,” that is, the transactional costs associated with the processing and routing of the credit applications, between the dealer and the bank. According to this object, a bank, as an enticement to dealers for originating credit application with them, can agree to pay the dealer's portion of the costs.

[0047] It is an object of the present invention to provide an on-line, real time, solution for the entire automotive indirect loan application process and funding.

[0048] It is an object of the invention to provide direct full-time connect access and dial-up access to the system by the dealer, and provide direct connect full-time access to the funding source(s).

[0049] It is a further object to provide dial-up access to the system as a back-up to the direct connections for both the dealers and the funding sources.

[0050] It is an object of the present invention to service all dealerships and service all financial institutions.

[0051] It is an object of the present invention to allow for sharing of data between the bank and the dealer, e.g. credit bureau information, thereby reducing credit bureau costs.

[0052] It is an object of the present invention to provide system-wide electronic news and broadcasts to the entire dealer community.

[0053] It is an object of the present invention to allow a dealer to enter and submit applications, pull credit bureau information using minimum input, summarize credit bureau information in a readable format, track the status of all applications to all banks, direct, redirect and queue applications to banks, make changes to previously submitted applications, book an application, and use screens and information similar to the bank's credit analysis screens when talking to bank staff about the application.

[0054] It is an object of the invention that, if the bank is using automatic decision making and scoring, the dealer can receive application acceptance and rejection notices on line, or while on-line can request or submit additional information.

[0055] It is an object of the present invention to provide flexibility in where an application is entered, allowing dealers to enter their applications either on-line, directly into the present invention's centralized system or off-line in their own F&I system.

[0056] It is an object of the present invention to reduce the need for dealers to shotgun applications by allowing the dealer to send an application to a bank immediately upon entry into the system and to receive a quick decision, in some instances within a few minutes afterwards.

[0057] It is an object of the present invention to provide the dealer with faxing capabilities to funding sources which are not connected to the invention's electronic network, and to provide faxing of applications even to network connected banks as a backup when lines are down or when the bank system is not available.

[0058] It is an object of the present invention to allow a bank to have one standardized network and application interface to all of its dealers regardless of the dealer's F&I system, which can be expanded to include non-automotive customers.

[0059] It is a further object of the invention to allow a bank to share credit bureau information with a dealership.

[0060] It is also an object of the invention to allow a bank to send messages and bulletins to the dealers on-line.

[0061] It is also an object of the invention to provide for review of the status of applications together with decisions and related terms and conditions from the funding sources.

[0062] It is also an object of the invention to provide for the use of similar screens when the funding source and dealership are discussing an application.

[0063] It is also an object of the invention to provide for automatic decision making and scoring effectively for immediate action by the dealer in “booking” the loan, i.e., selecting the funding source which will issue the financing.

[0064] It is an object of the present invention to provide banks with an automated method of sending “B & C” credit applications, that is, applications with marginal credit quality as opposed to higher quality “A” credit applications, to their business partners who fund such transactions.

[0065] It is a further object of the present invention to interface and communicate with the banks and the dealers through a variety of mediums, including a Value Added Network (e.g., CompuServe.®) or the Internet, with an appropriately sized trunk.

[0066] It is an object of the present invention to act as a service bureau to provide a front-end processor to a bank's credit processing system, taking the individual dealer communication load off of the bank's system, and providing and maintaining the communications protocol between the invention system processor and the bank.

[0067] It is an object of the present invention to provide a level of security between the bank and dealership, wherein dealers will not be able to directly connect to the bank, wherein all communications must go through the present invention system, wherein only authorized dealers will be able to send applications to the bank via the present invention, and wherein the present invention meets all the security expectations of the banks.

[0068] It is an object of the present invention to facilitate application entry customization to verify that specific data fields are entered on the application prior to sending it to the bank, wherein each bank can add customized data elements to a standard application, for example, the standard CBA (Consumer Bank Association) application format.

[0069] It is an object of the present invention that the dealer will know immediately whether an application was received at the bank and if there were any required data fields on the application that were not entered.

[0070] It is an object of the present invention to route an application to one or more banks as directed by the user, or alternatively, a dealer can indicate which bank or banks to send the application to immediately after entering the application. In instances when more than one bank is requested, the present invention can route the application to the next bank automatically using either a time delay as determined by the dealer or the application's decision status or a combination to the application's decision status and a time delay. At his discretion the dealer also can manually route the application to the next bank.

[0071] It is an object of the present invention to enable dealers to setup default funding sources, wherein applications can be scheduled and routed to the default funding sources.

[0072] It is an object of the present invention to enable the dealer to see exactly where each application is in the bank's application processing by keeping a constant update on the status of all applications, keeping track of which applications were sent to which banks and when, including an indication of when the application was received by the bank, the information being available to both the dealer and the bank.

[0073] It is an object of the present invention to provide comprehensive analysis tools for troubleshooting and fixing problems as they occur, and for the answering of questions on-line.

[0074] It is an object of the present invention to provide report and printout features, such that a dealer can cause reports to be generated at the central processor of the system and have them faxed to the dealer location, wherein file transfer may also be optionally selected, wherein the reports can relate to any information maintained by the system concerning the dealer (for example, the number of credit applications sent to a particular funding source and their subsequent outcome).

[0075] It is an object of the present invention to provide consolidated reports to “Mega-dealers,” i.e., dealers with several locations and franchises.

[0076] It is an object of the present invention to provide a lender history report to the dealers, that is, a report which provides, for example, the number of applications sent to any funding source with the percent approved and rejected, etc.

[0077] It is an object of the present invention to provide a centralized enrollment and billing process, that is, a process for activating and enrolling a dealer, bank, or other user, with a password and ID.

[0078] It is an object of the present invention to enable banks to easily and quickly develop and deploy new products and enhancements, wherein initial marketing of new products can occur through the present invention, and enrollment of new products can easily occur.

[0079] It is an object of the present invention to make it easier for the banks to accommodate growth in the number of dealers and volume of applications.

[0080] It is an object of the present invention to continuously monitor system and network performance and utilization.

[0081] It is an object of the present invention to permit updating and increasing system resources and availability as the number of dealers and volume of applications increases, wherein the cost to accommodate growth in volumes may be spread across all banks and be fixed per application.

[0082] It is an object of the present invention to provide the bank with one vendor to handle all dealer electronic application entry questions, thereby providing a turnkey solution for the bank.

[0083] It is an object of the invention to provide for a dealer to enter an application either on-line to the inventive system or off-line, and electronically transfer the application to the inventive system, the inventive system routing the application to all requested funding sources and receiving the funding source's response to the application, making the response available to the dealer user on-line and to the off-line users when they come on-line again, thereby giving the dealer complete management of the application process.

Summary of the Invention

[0084] In accordance with the above objects, the present invention is a centralized credit application entry and routing system which accepts applications from, for example, automotive dealerships, electronically and selectively forwards them to funding sources, including funding sources having computerized credit application systems. The following additional features and advantages are achieved according to the embodiments disclosed and claimed.

[0085] An embodiment of the present invention with anticipated commercial potential will sometimes be referred to as “Credit Connection.®.” herein. All rights in Credit Connection.® are expressly reserved. Also, CreditRevue.® used herein refers to a proprietary bank credit processing software package of Credit Management Solutions, Inc. (CMSI) and all rights in CreditRevue.® and the software package which implements a bank credit processing system, are also expressly reserved.

[0086] A major advantage of present invention relates to the submission of a credit application electronically from an automotive dealer, for example, to a bank.

[0087] Instead of faxing an application to the funding sources, according to an embodiment of the invention, the dealer enters the application directly to the inventive system electronically on-line, or off-line to a system like an automobile dealer's F&I system for later entry into the invention system through an electronic interface with the F&I system. The dealer then directs the system to selectively send the application to any number of funding sources. The system according to the present invention sends the application directly to the funding sources credit application processing system, bypassing the need for the funding source to manually enter the application.

[0088] A user, e.g., dealer, can enter a credit application in the system according to the present invention in different ways. For example, the dealer can enter the application on-line via a telephone or network connection, for example, by logging-on to the system according to the present invention using either an intelligent device, e.g., a personal computer performing a terminal emulation, a local host or in-house system, or using a dumb terminal at the dealership. The term “terminal device” will used herein to encompass any device, e.g., personal computer or dumb terminal, located at a logical or physical terminus of the system. The application data can then be entered on-line and interactively through the inventive system's application entry method.

[0089] In another way of using the system according to the present invention, the dealer can enter the application data off-line, into its own off-line system, for example. After a dealer collects or enters application data into its off-line system, the dealer can then log-on to the inventive system, and transfer a stored application from the off-line system to the inventive system.

[0090] Further, after an application is entered off-line and sent to the inventive system, the dealer can later log-on to the inventive system, and make changes on-line to the application, or otherwise complete the application processing. However, any changes thus made to the application on-line need not modify the off-line application maintained in the dealer F&I system.

[0091] In either of the above ways of entering an application, the application is saved in a database and sent to the banks as requested by the dealer.

[0092] Advantageously, the present invention basic application format is the standard CBA (Consumer Bank Association) application, and each participating funding source can add a number of additional fields to the basic application format.

[0093] After an application is input to the inventive system, the user (dealer) can continue application processing on-line. If the application was sent in from a dealer F&I system, the user can either disconnect and reconnect with the inventive system using the dealer F&I computer system, or the user can switch from a transfer mode to an interactive, on-line mode on the same connection to complete the application process. However, the exact sequence may be dependent on the functionality provided by the particular dealer F&I system.

[0094] Advantageously, prior to sending an application to funding sources, the user can select to use user defined default funding sources, sequences and timings, or alternatively, the user can select other funding sources to which the application is to be sent. The user can select the sequence of sending, and/or the timing of the each delivery, and/or the conditions upon which each delivery should be executed. Multiple levels of default are possible.

[0095] After funding sources have been selected, the inventive system prompts the user to enter any additional application fields required by any particular funding source selected.

[0096] When all required application fields have been entered for that selected finding source(s), the application including the appropriate additional application fields is transferred to the appropriate selected funding source in accordance with the sending sequence established by the user.

[0097] When all funding source application field requirements have been satisfied, the application is marked as ready to be sent and transferred to the funding source. After the application has been transmitted to a funding source, an associated application record is marked as sent to that particular funding source.

[0098] After an application has been sent to any or all selected funding sources or the dealer stops sending to the funding sources, the application is marked as pending for those funding sources which were sent the application.

[0099] The present invention furthermore simplifies how a dealer manages the funding sources and selects funding sources for an application. During installation of the present invention at a dealership, the dealer initially sets up all of the funding sources with which it has business agreements. The dealer further sets up default values for selecting and prioritizing the funding sources. For example, the following funding source defaults may be set up to be used with every application:

[0100] (1) Any of several funding sources which will be initially used when selecting the funding sources for a type of credit application, i.e., finance versus lease, “A” quality versus “B & C” quality.

[0101] (2) The sequence in which an application is sent to selected funding sources and the timing of when the application is sent:

(a) The application is sent to selected funding sources at the same time;

[0102] (b) the application is sent in sequence of how the funding sources are entered with a maximum predetermined waiting for decision time period before sending to a next funding source (if sequence sending is selected, the system will stop sending the application to subsequent sources after receiving a positive response from a previous source or forward immediately to the next funding source upon a negative response);
(c) send the application to all funding sources at the same time (i.e., shotgun).

[0103] (3) Automatically fax the application to the funding source if normal communications to the funding source are not available. When the dealer has chosen to automatically fax to the funding source, the dealer is notified that the application was faxed and the application is marked as faxed to this particular funding source. If the dealer selected sequence sending, the waiting for decision time period (the delay to the next funding source) is overridden and the application is sent to the next sequenced source without a waiting for decision time period delay. When the dealer has chosen not to automatically fax to the funding source in case normal communications are down, the dealer is prompted whether to fax the application or not. When the dealer chooses to fax the application, the application is faxed and marked as being faxed to this particular source. If the dealer chooses not to fax the application to the particular funding source, the funding source is deleted as a selection and the application is sent to the next selected funding source.

[0104] When the basic application fields have been entered on the inventive system, the dealer is prompted to select funding sources. The dealer can then choose to use the defaults as described above, or to override them. For example, for any particular application the dealer may change which funding sources to use either by highlighting or entering a new funding source, or by deleting a default funding source. After the dealer selects which funding sources to use for the application, the dealer is prompted to enter any additional fields required, as described above. After all additional fields have been entered, the dealer has the ability either to change the funding sources again or to send the application to the already selected funding sources.

[0105] When the dealer decides to send the application to the funding sources, the dealer is prompted to accept the default sequencing, or to change from the default settings for this particular application functions relating to (i) the sequence of how the application is sent, (ii) the waiting for decision time period, (iii) the condition upon which forwarding the application would terminate, (iv) forward immediately when faxing the application. After the dealer decides when, where, and how the application is to be sent, the application is sent to the funding source(s) as already described above.

[0106] The dealer has complete control over the selection of which funding sources to send an application to and the routing of the application to the funding sources.

[0107] A dealer may have more than one funding source. However, it is contemplated that it may be the case that all dealer funding sources are not using the present invention. Therefore, as a service to the dealers in this situation, and to make the present invention a one-stop, turnkey operation for the user, the dealer can setup funding sources that are not users of the present invention in the following manner. When a dealer sets up their funding sources, the dealer is told by the system whether the funding source is a user of the present invention. If the source is not a user, the dealer is prompted for the fax number of the funding source.

[0108] Thereafter, when a dealer selects which funding sources to send an application to, if the funding source is a non-user of the present invention, the inventive system automatically faxes the application to the funding source. The dealer does not need to reenter the fax number and it is defaulted from the original setup.

[0109] Therefore, advantageously, the dealer enters the application on the system according to the present invention only once. The system routes the application as directed by the dealer, using either the default routing scheme or as the dealer customized the routing for a particular application.

[0110] The invention is further extremely easy to use. Function key use has been minimized and a >HELP! key displays a list of valid function keys. Function keys are made to be consistent with other dealer software wherever possible. In addition, an on-line training database is available for use with a training video or manual.

[0111] A dealer is able to set up information on the system about the dealership using a convenient maintenance screen. This screen includes fields for name and address, credit bureau and application routing preferences, type of F&I software used, etc. On-line help may be optionally accessed throughout the various stages of application processing, scheduling, routing, etc.

[0112] To provide system security, a dealer is able to log-on with a unique ID and code and there are many possible options in this regard. For example, the dealer could log-on directly to the inventive system over a dial-up telephone line or satellite link, or connect via a value-added network to the system according to the present invention.

[0113] Each action, e.g., application entry, sending to funding source, booking the loan, etc., can be tracked by the system.

[0114] In an embodiment of the system according to the present invention, screens are organized so that a dealer can skip over ancillary fields easily. For example, a collateral screen is organized so that the dealer does not have to “tab” through numerous fields just to enter a payment amount.

[0115] Automatic calculations in spread-sheet fashion may be provided for on the collateral screen, and “Hooks” to vehicle pricing guides, for example, or other information, may be optionally provided. The automobile vehicle identification number (VIN) is prompted for first in the collateral screen.

[0116] A “quick application” option is provided according to an embodiment of the invention, where a dealer can enter just enough information to call a credit bureau, for example. The dealer is able to enter additional information at a later time.

[0117] At the end of a short (quick) or a long (full) credit application, the dealer is prompted whether a credit bureau should be called. File transfer of application data, to support future F&I interfaces, is accommodated.

[0118] A dealer is also able to specify primary and secondary credit bureau preferences so that a bureau can be automatically selected and called. Another feature of the invention allows the dealer to selectively call or recall a credit bureau at any time.

[0119] An overview screen can be accessed which summarizes information about an applicant, co-applicant (if applicable), credit bureau, and collateral, for example.

[0120] Reviewing credit bureau information is provided for according to another feature of the invention. This allows the dealer to review not only the standard teletype bureau format but also the invention's unique credit bureau summary which renders the credit bureau information far more accessible and understandable. Additionally, the dealer may also view credit bureau information regarding public records and credit trades. The screens displaying all such credit bureau report information are advantageously simplified wherever possible. When more than one credit bureau exists for an application, the dealer is also able to toggle between the bureaus, greatly facilitating analysis of the different bureau data. The present invention also supports cases when only part of the credit bureau to be viewed by the dealer. There are several options, including view only the teletype, view only the summary information, view the summary information, trades, and public records, and view everything, for example.

[0121] Depending on the particular installation, various ways can be used to request credit bureaus, e.g., dial-up, TCP/IP, or LU6.2.

[0122] Modifying an entered application is provided for as another feature of the present invention wherein a dealer is able to modify any part of a previously entered credit application. However, there is a warning issued if the dealer tries to modify an application that has already been sent to a lender. A dealer is also able to resubmit an application to a lender which has been modified to add additional information or to edit already entered information, for example.

[0123] Various features relating to entering lender required data are provided according to another feature of the invention. For example, each funding source can specify a number of additional fields from the credit application to capture. Once the dealer selects one or more funding sources, the present invention prompts the dealer for any additional information for a particular funding source if required. Advantageously, the same extra data field is assigned to the same “position” so that the dealer will not have to enter the same additional information more than once. According to another feature of the invention, a dealer is able to set up in a configuration file details about the particular funding sources with which it deals. For funding sources which are users of the present invention system, a special code is entered as part of the lender setup.

[0124] The present invention supports faxing of credit applications to a funding source, if necessary. The fax is formatted professionally like a real paper credit application, and designates that the application was sent from a system according to the present invention. All the typical associated functionality, e.g., fax queuing, handling fax failures, entering and modifying the fax number, etc. are provided for as part of this feature of the present invention.

[0125] As already noted, a dealer is able to select a plurality of funding sources to which the credit application will be sent, and if more than one funding source is selected, various options are available. For example, the dealer may optionally send to all at once (shot-gunning), send to each in turn if the previous funding source has declined the application, send to each if the previous funding source has not responded in “N” (a selectable number of) minutes, send to each in turn if the previous funding source has declined or conditioned the application, or any combination of the last three ways.

[0126] A preferred method of handling multiple funding sources can be stored in a dealer's configuration file which is set up during initial installation and is capable of being changed by the dealer.

[0127] The present invention system to funding source interface follows predetermined guidelines which are specified in a branch interface document. Each side of the link may have monitors, i.e., the system scans for incoming credit decisions from the funding sources, and the funding sources scan for incoming credit applications from the system. In one embodiment, file formats are made up of segments, and a header segment is the same no matter what is being passed back and forth. Depending on the type of transaction occurring, one or more additional segments may be sent.

[0128] In the embodiment in which the credit application file contains additional data fields for any particular finding source(s) (as described above), these additional fields are stored in their own segment. Therefore, if no additional fields are required, then that segment containing the additional information need not be sent.

[0129] Resubmits may require different handling by some funding sources and the present invention accommodates this.

[0130] The file format supports sending credit bureau information from the funding source to the dealer, and there are several options, for example, send only the teletype, send only the summary information, send the summary information, trades, and public records, or send everything.

[0131] Each funding source is able to send back additional information, such as a score, grade, etc., referred to herein as credit bureau sharing. There is also a comment field to enter more complex things, for example, a list of rate/term options. In this case, the finding source side of the interface can write the complex information into a comment.

[0132] Sending and/or reviewing funding source decisions is also provided for according to another feature of the present invention. Advantageously, a dealer is able to quickly see in summary form, e.g., in tabular form, all pending applications and their decisions from the funding sources to which they were sent. The dealer is also able to review each decision in detail. If additional information exists, such as score, grade, comments, etc., the dealer is able to display that information as well. With this information at hand, the dealer is better able to select the lender with whom to book the deal.

[0133] According to another feature of the present invention, the capability of outputting data to be loaded into the dealer's F&I software is also provided.

[0134] An audit trail is provided for in the present invention. Each significant step of the process is time, date, dealer and user stamped. The present invention is able to track all problems with interfaces, credit bureaus, faxes, etc.

[0135] Other optional functions are also provided for according to further embodiments of the present invention. For example, there is a loan vs. lease analysis function, there is an option to query a vehicle pricing guide, there is a funding source history report, there is the ability to review and save general news articles and funding source articles and news, a pop-up calendar is provided, and there is an optional function to allow a dealer to query the status of his account (current charges, transactions processed, etc.).

[0136] According to another advantageous feature, a funding source is able to send a message to one dealer, a group of dealers, or all dealers. The funding source has the capability to define dealer groups. Articles selected by the funding source may be broadcast over the system. A dealer is able to see new (not read before) news articles when they log-on to the system, and the system can keep track of which news articles have been read by which users. Once a news article has been read, it can be deleted or saved, and if saved, it can be recalled. News can also be selectively sent to one or more dealers and/or one or more funding sources by an administrator or system operator (“SYSOP”).

[0137] Security features are provided according to a further embodiment of the invention. For example, a dealer is able to set up whether or not the system will allow an application to be modified after it has been sent to a funding source. The dealer is also able to set up whether the system will allow “shot-gunning,” which may or may not be a desirable practice at a particular dealership due to cost considerations, for example. The dealer is of course able to define valid users and passwords, and is able to easily reset a password, delete a user, or change a user's security. Further, the dealer is able to define which functions a particular user may or may not access. The dealer is able to set up the conditions under which the system will automatically forward an application to a next selected funding source, and this can be overridden on a deal-by-deal basis.

[0138] Reporting and printing features are provided according to further features of the invention. The inventive system allows the dealer to selectively print various types of reports provided for by the system. This information can then be faxed, for example, to the dealer from the system's central location. The system advantageously can provide reports on credit applications taken, credit applications decided, credit applications sent to each lender, credit applications by salesperson, etc. Besides being able to fax reports to the dealer upon request, the system can support a file transfer of the report data as well. The system furthermore provides the capability to get reports at a “Mega-dealer” level, however, if so configured, a special user ID and password can be required to obtain this report.

[0139] Billing features are also provided according to further features of the invention. Anything that might be used as a basis for billing is made a part of the audit trail, mentioned above. For example, applications entered, bureaus requested, faxes sent, resubmissions (“resubmits”), reports requested, etc. Billing reports are available from the system, and billing can be handled in various ways, for example, by sending a bill, billing a credit card, or by other methods as arranged with system users. Pricing can be spread between the dealer and the bank, and a bank can determine whether or not to pay the dealer's portion of the costs.

[0140] System administration features are provided according to further features and include, for example, the ability to start and stop servers, bureaus, faxes, etc., and to archive, backup and restore programs and data.

[0141] In order to implement the above advantageous features, there is provided according to one embodiment a credit application and routing system comprising a central processor having a program and operational to: selectively receive credit application data associated with respective applicants from at least one remote applicant terminal device; selectively forward the credit application data to at least one remote funding source terminal device; and selectively forward funding decision data from the at least one funding source terminal device to the respective at least one remote applicant terminal device; and coupling means for coupling said central processor to a communications medium to thereby enable the sending and receiving of the credit application data and the funding decision data over the communications medium.

[0142] According to another embodiment, there is provided a credit application and routing system including a central processor having a program and further comprising: data input means for selectively receiving credit application data from respective dealers at remote locations; and routing means for selectively forwarding the credit application data to remote funding sources and selectively forwarding funding decision data from the funding sources to the respective dealers.

[0143] According to another embodiment, there is provided a computer based method of operating a credit application and routing system, the system including a central processor coupled to a communications medium for communicating with remote application entry and display devices, remote credit bureau terminal devices (computers), and remote funding source terminal devices (computers), the method comprising: selectively receiving credit application data from a remote application entry and display device; selectively obtaining credit report data from at least one remote credit bureau terminal device (computer); selectively forwarding the credit application data to at least one remote funding source terminal device (computer), if appropriate; and selectively forwarding funding decision data from at least one remote funding source terminal device (computer) to the respective remote application entry and display device.

[0144] According to another embodiment, there is provided a credit application and routing system, comprising: a communications medium; central processing means, operably coupled to said communications medium, for executing a computer program which implements and controls credit application processing and routing; at least one credit application input terminal device, operably coupled to said communications medium, for keyboard entry of at least credit application information, for visual display of at least funding decision information, and for sending and receiving to and from said central processing means over said communications medium; and at least one funding source terminal device (computer), operably coupled to said communications medium, for receiving at least a portion of a credit application over said communications medium from said at least one credit application input terminal device through said central processing means, and for sending a finding decision to said at least one credit application input terminal device through said central processing means over said communications medium.

[0145] According to another embodiment, there is provided an article of manufacture comprising a computer readable storage medium having a substrate physically configured to represent a computer program, the computer program comprising means for causing a computer to provide a credit application analysis and decision routing system.

[0146] According to another embodiment, there is provided a computer program having a plurality of program steps to be executed on a computer to implement and control an interactive credit application and routing system, said program comprising: means for receiving a credit application from at least one remote application input and display device; means for selectively forwarding a received credit application to at least one funding source; means for receiving a funding decision from the at least one funding source; and means for forwarding a received funding decision to the at least one remote application input and display device.

[0147] In another embodiment, there is further provided means for selectively obtaining a credit report associated with a respective applicant from at least one credit bureau; means for analyzing and summarizing an obtained credit report and providing credit report information in an analyzed and summarized format in order to facilitate a dealer user making a decision as to which funding source or sources should receive a respective credit application, the decision being based on applicant criteria including at least one of: the credit history of the applicant, and the respective lending criteria of each funding source; and means for enabling a funding source and a dealer user to share credit reports which either of them may have obtained, including sharing credit report information in an analyzed and summarized format provided.

[0148] According to a further embodiment, the systems includes means for analyzing credit application and credit bureau report information, including debt ratio computation, loan to value computation, grading of applicant's credit-worthiness, triggering of “decision rules” and issuing a corresponding “alert message” (a decision rule is triggered whenever any information regarding the applicant contained in the application and the credit bureau report is inconsistent or contradictory), correcting errors within credit bureau reports where a single event, such as a loan, may incorrectly be shown as two loans (such corrective function may commonly be referred to as de-duplicating or de-duping), adjusting debt ratio, loan to value, and lending parameters where required when inaccuracies are identified, and providing a plain English interpretation of credit bureau codes and reports.

[0149] Regarding the “decision rules,” the invention triggers a decision rule and displays a corresponding “alert message” when a credit application includes information which the system has been programmed to identify as requiring investigation prior to approval of the transaction. The decision rules include, but are not limited to bank policy rules, lending policy rules of application/bureau consistency rules. A bank policy rule may be a policy of a bank that it will not issue loans to employees. If the applicant is an employee of the bank, a bank policy rule could be triggered and an alert message generated. If a funding source has a minimum income policy for loans of specific sizes, a lending policy rule could be triggered by an applicant's failure to meet the appropriate level. If inconsistencies appear between the application data and the credit bureau report data, such as social security number not matching, an application/bureau consistency rule could be triggered.

Brief Description of the Drawings

[0150] The above and other objects, advantages and features of the invention and the disclosed embodiments will become apparent from the following detailed description taken with the drawings in which:

[0151] FIG. 1A is an illustration of a credit application and routing system according to an exemplary embodiment of the invention;

[0152] FIG. 1B is an illustration of processing flow in an exemplary embodiment of the invention;

[0153] FIG. 1C is an overview processing flow chart for an exemplary embodiment of the invention;

[0154] FIG. 2 is a high-level flow chart of some of the main functions of a program implementing a credit application and routing system according to an exemplary embodiment of the invention;

[0155] FIG. 2A illustrates in flow chart form the Bureaus (1) branch of FIG. 2;

[0156] FIG. 2B illustrates in flow chart form the Funding Selection (2) branch of FIG. 2;

[0157] FIGS. 2C-1 and 2C-2 illustrate in flow chart form the Send Application (3) branch of FIG. 2; and

[0158] FIG. 2D illustrates in flow chart form the Enter/change Application (4) branch of FIG. 2.;

[0159] FIGS. 3A to 3AK are representative screens of the type which would be displayed in a credit application and routing system according to an exemplary embodiment of the invention; and

[0160] FIG. 4 illustrates a computer readable storage medium having a substrate physically configured to represent a computer program for causing a computer to provide a credit application analysis and decision routing system.

Detailed Description of the Preferred Embodiment(s)

[0161] The invention will now be described in more detail by example with reference to the embodiment(s) shown in the Figures. It should be kept in mind that the following described embodiment(s) is only presented by way of example and should not be construed as limiting the inventive concept to any particular physical configuration.

[0162] With reference to the exemplary embodiment of a credit application and routing system illustrated in FIG. 1, central processor having a program implementing and controlling credit application processing and routing, i.e., the overall operation of the system, referred to as simply central processor 102 for this discussion, is operably coupled to a communications medium, for example, a wide area network 104 by, in this case, network device 103. Although illustrated as a wide area network, it should be appreciated that the communications medium could take a variety of other forms, for example, a local area network, a satellite communications network, a commercial value added network (VAN), the Internet, ordinary telephone lines, or private leased lines. The banks may be connected to a VAN with an appropriately sized trunk line; 56K BPS, Fractional T1, T1, multiple T1's, or T3. The communications medium used need only provide fast reliable data communication between its users.

[0163] The processor 102 can be any modem main-frame, super-mini or minicomputer system, such as is commercially available from IBM, Data General, or Hewlett-Packard, for example, having the capability of handling a real-time, multi-tasking, remote-access database application. The processor provides a centralized conduit for the collection and transfer of applications between dealers and banks, and in the process also provides a centralized database which accumulates credit application data that is valuable in and of itself. The only information required to be kept on the funding source system is information required to process the loan. Status information, for example, is stored on the present invention system, not on the funding source system, thereby reducing the overhead for the funding source system.

[0164] Related to the collection of data, the invention provides billing features, including automatic direct billing, or billing to a credit card. Anything that might be used as a basis for billing is made a part of an audit trail, as mentioned above. For example, applications entered, bureaus requested, faxes sent, resubmits, reports requested, etc. Billing reports are available from the system. Furthermore, the costs of activities can be spread between the dealer and the bank, and a bank can decide whether or not to pay the dealer's portion of the costs.

[0165] Predefined events will create a billing transaction, to be sent to the billing system. Examples of billable events are:

A. Dealer Billable Events

[0166] 1) Application Fee, 1st bank 2nd, 3rd, . . . bank Fax surcharge
[0167] 2) 1st Credit bureau request 2nd, 3rd, . . . bureau
[0168] Plus any bureau charges
[0169] 3) three-tier % Discount, based on application volume Volume/% Due
[0170] 4) Tracking for relationship ADP/Reynolds
[0171] 5) Number of terminals/Network connections
[0172] 6) Report package “code”
[0173] 7) On-demand reports
[0174] 8) Base monthly fee
[0175] 9) Set-up fee
B. Bank Billable Events
[0176] 1) Base Monthly fee
[0177] 2) Application Fee
[0178] 3) Three-tier volume discount
[0179] 4) Network costs per month
[0180] 5) Report Package “codes”/month
[0181] 6) On-demand reports
[0182] 7) Tracking relationship D, APPRO, etc.
[0183] 8) Set-up fee

[0184] Each billing event will be logged and recorded at the time of the event. Billing of these events will occur in the billing system.

[0185] Administrative functions are also provided, including statistical analysis of credit application processing, funding source decisions, system usage, applications pending, status of all applications entered during various time frames, etc. The audit trail provides that each significant step of the process is time, date and user-stamped. Dealer time zones can be tracked so that all times displayed to the dealer would be in their local time zone. The central processor database, however, would always store times using local time, e.g., EST. Any problems or errors encountered are logged for later analysis and correction. Account status, i.e., current charges, transactions processed, etc., can be accessed, as well. Statistics about electronic and faxed applications are available as well, and thus a dealer does not need to manually calculate faxed statistics. The present invention thus provides comprehensive analysis tools for troubleshooting and fixing problems and answering questions.

[0186] In a preferred embodiment, the central processor is a Data General system running the UNIX operating system, however, practically any operating system with multi-tasking capabilities would be suitable. In a preferred embodiment, the database used is a Progress database, that is, it was developed using the Progress development language, however, other modem databases could also be used.

[0187] At a dealer 110, at least one credit application input terminal device 112a, 112b and/or 112c, is operably coupled to the communications medium 104 by a network device 113a or 113b or modem 113c. The terminal devices are for keyboard entry of credit application information, visual display of funding decision information, and for sending and receiving to and from the central processor 102 over the communications medium 104, for example. The dealer terminal device may be the dealer's F&I system 112a, a dealer personal computer using a VT100-VT320 emulator 112b, or simply a dumb terminal device 112c. The credit application would typically be a standard CBA (Consumer Bank Association) application, however, each participating funding source can add a number of additional fields to the basic application format. The present invention thus advantageously provides the funding source with one standard application format with its own required additional fields from all dealers using the system. A “quick” application is also supported.

[0188] At a funding source 120 there is some sort of computer likewise operably coupled to the communications medium 104 for receiving a credit application over the communications medium 104 input from a credit application input terminal device 112a-112c under control of the central processor 102, and for sending a funding decision to a credit application input terminal device 112a-112c through the central processor 102 over the communications medium 104. As illustrated, such a funding source computer may be a Bank CreditRevue.®. System 124a coupled by an interface 122a and network device 123a to the communications medium 104, or some other Bank Credit Processing System 124b (i.e., not a CreditRevue.®. System) similarly coupled via an interface 122b and network device 123b. CreditRevue.®. refers to a proprietary software package available from Credit Management Solutions, Inc. (CMSI). Since a goal of the present invention to service all dealerships and service all financial institutions, accommodation of a variety of different bank credit processing systems is accomplished through such an interface 122b as illustrated. However, if a lending source bank is using CreditRevue.®, the inventive system takes advantage of the various formats used in CreditRevue.®, thereby simplifying use.

[0189] The Credit Connection.®. host interfaces 122a and 122b at the funding sources 120 receive the credit application data over the communications medium 104 through the network devices 123a and 123b, respectively, and provide a communications interface to the funding source credit processing systems 124a and 124b, respectively. The interfaces 122a and 122b serve as front end processors taking the burden of handling communications, data formatting, etc., off of the funding source credit processing systems 124a and 124b. The present invention will provide and maintain the communications protocol between the dealers and the funding source.

[0190] As noted above, an objective of the present invention is to send the application directly to a funding source credit application processing system, bypassing the need for the funding source to manually enter the application. However, as explained in the summary section, if normal lines of communication are down, in this case the network 104, or if the application is to be sent to a funding source that does not have an active automated credit processing system (non-electronic funding sources or down bank system) or does not have an active Credit Connection.®. host interface 122a or 122b, as examples, the central processor 102 can have a telefax facsimile credit application sent to a funding source via fax host 105 and non-automated fax 125.

[0191] Besides eliminating the errors caused by the entry of data by the funding source staff, it is also an objective of the present invention to reduce the need to keep large staffs available on weekends, for example, to enter applications and to balance the credit application processing load reducing the backlog of applications on Mondays or the first day after the funding source is closed, for example. The present invention spreads the application delivery load over a longer time frame, balancing the load on the system and staff, eliminating the Monday morning bottleneck, and minimizing response time to the dealer.

[0192] Therefore, this faxing capability is considered a fallback arrangement, since the present invention ideally eliminates entirely any need for manual entry of application data. The present invention provides for fax forwarding and a faxed status is kept. The present invention maintains faxed applications in its database the same as electronically submitted applications.

[0193] A print of a completed application can be sent to the dealer if required, for example, since some banks may require a signed copy of the application.

[0194] As also illustrated, the central processor 102 is connected to one or more Credit Bureaus 130 in a similar fashion, i.e., with network devices 133a-133c, for example. As assumed, the credit bureaus generally have a computer system which is accessible over dial-up lines or a communications network. Such credit bureaus include, for example, TRW, CBI (Equifax) and TRU (Trans Union). The credit application and routing system according to the present invention can advantageously handle connecting to the credit bureau, transferring the needed information, e.g., name, address and social security number, to the credit bureau, and receiving the credit bureau report, automatically or interactively. Credit application information can be edited before forwarding a credit application to a finding source. Electronic sharing of credit bureau information and related data from the bank to the dealer advantageously reduces credit bureau costs.

[0195] A communications module of the program running in the central processor 102 handles the details of communicating with the various dealers 110, funding sources 120 and credit bureaus 130, including the telefaxing, if required. There is also communication programming in the interfaces 122a and 122b to function as front end processors at the respective funding sources, however, details of this aspect of the invention are routine. As would be readily apparent to one skilled in the art, the individual dealer communication load is taken off the bank's system by the provision of a front end processor.

[0196] The present invention includes a computer program which embodies the functions described herein and illustrated in the appended flow charts. However, it should be apparent that there could be many different ways of implementing the invention in computer programming, and the invention should not be construed as limited to any one set of computer program instructions. Further, a skilled programmer would be able to write such a computer program to implement the disclosed invention without difficulty based on the flow charts and associated description in the application text, for example. Therefore, disclosure of a particular set of program code instructions is not considered necessary for an adequate understanding how to make and use the invention. The inventive functionality of the claimed computer program will be explained in more detail in the following description in conjunction with the remaining figures illustrating the program flow.

[0197] It should also be noted that in developing the computer program aspects of the invention, and in implementing a commercial embodiment of the invention, the applicants have written program code. The computer program with respect to the various processes implemented by this program code, as noted above, are considered to be within the scope of the appended claims. The applicants' program code is further covered and protected by copyright, and this disclosure in no way should be construed as waving any rights of the applicants or their successors and/or assignees in the program code protected by copyright.

[0198] The present invention makes it easier for the banks to accommodate growth in the number of dealers and volume of applications. Updating and increasing system resources and availability as the number of dealers and volume of applications increases is readily accomplished with the centralized system according to the present invention. The cost to accommodate growth in volumes can be easily spread across all banks and is fixed per application. The funding sources are provided with one vendor to handle all dealer electronic application entry questions, and having staff to continuously monitor system and network performance and utilization. Centralized enrollment and billing provide increased efficiency to the whole credit application handling process.

[0199] FIG. 1B is an illustration of processing flow in an exemplary embodiment of the computer program aspects of the invention. As already noted above, “Credit Connection.®.” is used herein to refer to a commercial embodiment of the present invention. Starting with block 142, a credit application is entered, either indirectly through the dealer F&I system off-line from the Credit Connection.®. host computer, or directly to the host computer system according to the present invention, i.e., on-line directly to the Credit Connection.®. host. Off-line entering of application data advantageously provides for transfer to one or more funding sources at a time when it is most convenient for the dealer and/or for the funding sources. Flexibility in where an application is entered is provided by allowing dealers to enter their applications either on-line, directly into the present invention's centralized system or off-line in F&I software.

[0200] The basic application format is the standard CBA (Consumer Bank Association) application, however the application can be a full application, or a “quick” application, that is, an abbreviated application where a dealer enters just enough information to call a credit bureau. The dealer is able to enter additional information to complete the application at a later time.

[0201] The quick application option permits a dealer to enter just enough information to call a credit bureau, for example. Applicant name, address, social security number, and date of birth, for example would be included for each applicant, as well as “critical” scoring fields, such as own/rent, time at residence, income, etc., which could, however, be skipped if calling a credit bureau is the only purpose of the quick application entry. The dealer is able to “convert” a quick application to a complete application, for example, by selecting the modify option and adding/modifying information for one section of the application, or selecting to update each section in turn.

[0202] At the end of application entry, the user can immediately choose to send the application (to a default lender), select a lender from a displayable list of possible lenders, or call a credit bureau.

[0203] Once entered at block 142, a decision is made at block 143 whether to call, that is, connect to, a credit bureau. If a credit bureau is to be called, the bureau is called and a credit report retrieved. Flow then goes to block 144.

[0204] In block 144, the dealer has the ability to review the credit bureau information, including an overview, summary and itemized trades. (The lender can also selectively review the status of credit applications from the dealers with the present invention). Examples of screens displaying the credit bureau information are illustrated in FIGS. 3A to 3AD, and will be described in greater detail later. If another credit bureau is to be accessed (pulled), as decided at 145, block 144 is repeated. A dealer may want to access another credit bureau if the previous report obtained is inconclusive or incomplete.

[0205] It is noted that currently, a funding source pulls a credit report or reports on an applicant itself, however, the present invention has the capability of sending the dealer obtained credit report information to the funding source along with the credit application information, should changes in funding source credit policies, procedures, laws and/or regulations change.

[0206] On the other hand, if no other credit bureau is to be accessed as determined at 145, then flow branches to the select funding sources block 146. If the decision at block 143 was not to call a bureau, flow also proceeds to block 146.

[0207] As already mentioned, the present invention provides flexibility in funding source selection, and routing, i.e., sequencing and timing. Dealer selected defaults for source and routing are provided at installation, but can be overridden on a case-by-case basis.

[0208] In block 146, a funding source (or sources) is selected to send the credit application, along with credit bureau information, if applicable. If multiple sources are to receive the credit application, then the timing and order of sending is also selected, that is, the routing of the credit application. Routing selections include one funding source at a time in sequence until a positive decision is returned or until a set time has elapsed (conditional), or all funding sources at once (shot-gunning), for example. However, it should be remembered that one objective of the present invention is to reduce the need for dealers to shotgun applications by reducing the time required to obtain a credit decision from a funding source, for example. Therefore, a dealer can advantageously configure the system defaults so that shot-gunning is not permitted by its users, e.g., F&I personnel.

[0209] Ideally, a dealer enters the credit application data electronically, either on-line or off-line, and directs the system to send the application to a primary funding source. However, since efficient service to customers is paramount to the dealer, the ability to automatically send the application to another funding source after an unacceptable period of time has elapsed since sending it to a previous funding source, permits the dealer to reduce the time needed to close a deal.

[0210] The present invention can thus automatically route the application to the next funding source using either a time delay as determined by the dealer, or using the application's status.

[0211] The present invention allows a dealer to pre-set the lenders to whom an application is to be sent and to determine the conditions when the application is automatically sent to a second or third lender. However, the dealer can also elect to review a decision before sending the application to the next lender in the sequence.

[0212] When the operations in block 146 have been completed, that is the selecting of a funding source and the selecting of the routing for the credit application, the credit application is transmitted and flow is transferred to the funding source, in particular, block 147.

[0213] Once the dealer calls a specific credit bureau or a credit bureau is transferred from a lender, that bureau is never replaced by another bureau unless the dealer chooses to recall the specific bureau.

[0214] As illustrated at blocks 147 to 150, the funding source receives the application with interface 122a, for example, and an initial decision is made by the funding source's credit processing system 124a. If the funding source requires an analyst's review of the credit application and initial decision, as determined at block 148, then flow proceeds to block 149, where the analyst conducts the review. Once the review is concluded, or if no analyst review was required, flow proceeds to block 150 and the final decision is transmitted back to the central processor of the credit application and routing system at block 151. Of course, if the funding source is not using the system according to the present invention, or does not return decisions on-line for whatever reason, the decision would have to be manually entered by the dealer.

[0215] The present invention ideally allows a dealer to enter and submit applications, pull credit bureau information using minimum input, review summarized and analyzed credit bureau information in a readable format, track the status of all applications to all banks, either as a group or singularly, direct and redirect applications to banks, make changes to previously submitted applications, book an application, and use screens and information similar to a bank's Credit Processing System, e.g., CreditRevue.®. or other credit processing system, screens when talking to bank staff about an application. Likewise, a funding source can view similar screens when talking to the dealership about an application. If the funding source is using automatic decision making and scoring, the dealer can wait on-line for application acceptance, rejection or request for additional information.

[0216] At block 152, the dealer reviews a display of the status of the credit application, e.g., granted, granted with conditions, or declined and reasons why declined. If multiple decisions are being waited for, the dealer can review them individually as they arrive and does not have to wait for all credit decisions to be returned. Exemplary display screens will be described later with reference to the figures showing them.

[0217] Advantageously, with the system according to the invention, the dealer will know immediately whether the application was received at the bank and if there were any fields on the application that were not entered. Further, the present invention enables the dealer to see exactly where each application is in the funding source process. The present invention keeps a constant update on all applications and keeps track of which applications were sent to which funding sources and when. The status indicates when the application was received by the funding source and is available to the dealer and the funding source. The dealer knows readily exactly which funding sources the application was sent to.

[0218] At block 153 a decision is made whether the credit application should be sent to additional funding sources, for example, where a single funding source was initially selected, but it either declined the loan, or placed unacceptable conditions on the loan. If additional funding sources are to be selected, flow returns to block 151 until acceptable approval of the credit application is achieved.

[0219] If a dealer modifies an application after it has been sent to a lender, the present system stores only one copy of the application, i.e., the modified version. However, if the modified application is subsequently resubmitted to the lender, it is sent as a new application.

[0220] At block 154, if the credit application was approved and the terms and conditions are acceptable, the associated funding source is marked for booking. Circle 155 indicates the credit application processing is done.

[0221] FIG. 1C presents an overview of processing flow for an exemplary embodiment of the invention from another perspective. At block 162, the dealer, using a remote terminal and modem (112c, 113c), or personal computer emulating a terminal, for example, connects with the central processor (102) and logs-on to the system. At block 163, an application is directly entered interactively with the system. On the other hand, if an application is entered into the dealer's local F&I system, i.e., block 164, at block 165, the previously entered application data is sent to the central processor (102) of the system.

[0222] At block 166, a credit bureau (or bureaus) is selected and a credit inquiry is sent. At block 167, a credit file is received from the credit bureau, processed at block 168, and reviewed at block 169.

[0223] Funding source (or sources) is selected at block 170, and any additional information over and above the basic information entered on the credit application, is requested and entered in block 171. The method of routing to send the application to the selected funding sources is selected in block 172, and in block 173, the credit application, along with additional information, if it was required, is sent to and loaded on the funding source's credit processing system according to the routing method selected.

[0224] After processing at the funding source, a decision is sent back at block 174 to be reviewed by the dealer at block 175. If the decision was positive and the terms and conditions acceptable, the booking is sent to the funding source at block 176.

[0225] With reference to FIG. 2 which is a high-level flow chart of some of the functions of a program implementing a credit application and routing system according to an exemplary embodiment of the invention, the credit application and routing process will now be described in more detail.

[0226] Steps 202 to 213 outline generally the typical steps for connecting with the credit application and routing system and then displaying a main menu. Steps 202 to 211 relate to the logging-on and transfer of an application, which was entered off-line, from a dealer F&I system to the credit application and routing system, while steps 212 and 213 relate to logging-on to the system for entering an application on-line directly from an emulator or dumb terminal. In step 202 the dealer enters application data into the dealer F&I system and in step 203 dials into the credit application and routing system host. The term “dials into” is being used in a general sense to cover any of a variety of ways of connecting to the host and thus should not be construed as limited to a telephone dial up, for example, although that may typically be the case.

[0227] At step 204, the dealer system sends a dealer ID. This step should be construed as generally representing other typical security measures, such as verifying the ID, requesting a password, verifying the password, etc. Secure access to the credit application and routing system is provided by dealer configurable ID's and passwords, and a hierarchy of levels of access, for example. Multiple levels of security are thereby facilitated.

[0228] Further, the present invention provides security between the funding source and a dealership, i.e., dealers will not be able to directly connect to the funding source, since everything must go through the system according to the present invention. The present invention thus can provide a secure interface between the dealer and the funding source. Only authorized dealers will be able to send applications to the funding source via the present invention. The present invention therefore meets the security expectations of the banks.

[0229] As part of system security, some functions may be defined so they can be turned on or off, and users can only execute those functions which are on for them. Examples of functions which may be protected include entering applications, selecting funding sources, transmitting applications, looking at credit bureau reports, calling bureaus, reviewing lender decisions, and pulling reports.

[0230] If an application is to be sent as decided at step 205, flow proceeds to step 206 where a transfer mode is enabled, and step 207 where the transfer of the credit application to the credit application and routing system takes place.

[0231] The present invention also provides for editing of an electronic application before or after it has been electronically sent to a funding source. Interactive, on-line application data entry, editing and review are facilitated. The present invention further facilitates application entry customization and verifies that specific data fields are entered on the application prior to sending it to the bank. Each bank can add customized data elements to the standard application, thus customizing the application being sent.

[0232] After the transfer is complete, a switch is made to an interactive mode as indicated at step 208. At step 209, the user is prompted for a user ID. The user enters the user ID in step 210, in like fashion with steps 203 and 204, and the credit application and routing system main menu is then displayed, as indicated at step 211. If the dealer is going to enter a new application on-line from a dumb terminal or emulator device, for example, the process begins at step 212, where the dealer dials into the credit application and routing system host and enters an ID, in a like fashion with steps 203 and 204, described above. Flow then proceeds to step 209 where the user ID is entered and where the credit application and routing system main menu is display. This dealer would then select application entry from the main menu (illustrated in FIG. 3A), indicated as circle 4 “Enter/change Application” in FIG. 2. The flow of the application entry (and change) process is illustrated in FIG. 2D and will be described in detail below.

[0233] The credit application and routing system main menu provides access to a variety of operations, and representative ones of these are shown as the circles at the bottom of FIG. 2. Circle 1, “Bureaus,” represents the operations related to a credit bureau, such as selecting a bureau to access, reviewing the credit information from the bureau, selecting another bureau, etc. Circle 2, “Funding Selection,” represents the operations related to funding sources and the operations related to sending a credit application to one or more sources, such as selecting “shot-gunning,” conditional sending to multiple sources, or sending to a single funding source, for example. Circle 3, “Send Application,” represents operations related to sending an application to a funding source, such as formatting the data, activating a communications routine, etc. Circle 4, “Enter/change Application,” represents operations related to entering and/or editing a credit application on-line. Additional optional operations, such the loan vs. lease analysis, the calculator, and the news article access, mentioned above in the summary section, are also provided for, however, their illustration and detailed description is not necessary for an adequate understanding of the invention.

[0234] Optional additional useful features, such as a loan calculator, a loan vs. lease analysis spread sheet, access to a vehicle pricing guide, news article retrieval, a pop-up calendar, E-mail, etc., are provided. Lender broadcasts provide a lender with the capability of sending new product news, for example, to any or all dealers, individually or in groups. Funding sources can easily and quickly develop and deploy new products and enhancements, and initial marketing of new products can occur through the broadcast news on the present invention. Enrollment of new products can easily occur with the present invention system. Other electronic news and broadcasts to the entire dealer community, and/or electronic news to a particular dealer by the system administrator is also possible.

[0235] FIG. 2A relates to the bureau functions represented by circle 1 in FIG. 2. Assuming at least minimal credit application data for an applicant has been entered, the dealer can select the bureau to access, call the bureau selected, and review the bureau credit data for the applicant in different ways, such as an overview, a summary, or in detail by individual trades. Exemplary displays of credit data are illustrated in FIGS. 3U, 3V, 3W, 3X and 3Y. The dealer can further select another credit bureau to call if, for example, the credit information from one bureau is inadequate for some reason.

[0236] FIG. 2A illustrates the bureau selection and send process and is described as follows. Flow begins at circle 1 (215) and proceeds directly to decision 216 on whether to use defaults or not. If the bureau defaults are to be used, flow proceeds to block 217 where the default bureaus are called, and 218 where the received bureau data is formatted and displayed in the inventions summary display, then proceeding to the decision 219 on whether the dealers wants to call additional bureaus. If the dealer wants to call additional bureaus, the flow proceeds to block 220 and block 221 where the bureaus are called and data is displayed the same as in 217 and 218. Following the calling and displaying of the bureaus flow proceeds at block 222, whether to display the bureau data in TTY format. If the dealer wants to display the bureau in TTY format proceed to 223 where the data is displayed in TTY format then to decision 224 as to whether to display additional bureaus in the TTY format. If the dealer does not want the TTY format of the bureau or the dealer has displayed the bureau data in TTY format, the flow proceeds to decision 225 as to whether to display the bureau summary format or not. If the dealer wants to see the summary format, flow proceeds to 226 where the bureau data is formatted and displayed in the summary format then to decision 227 as to whether to display additional bureaus in the summary format, then to 228, to return to main menu. If the dealer does not want the summary format, the flow proceeds directly to 228 to return to main menu.

[0237] With reference to FIG. 2B, the Funding Selection operations represented by circle 2 in FIG. 2 are illustrated. Flow begins at circle 2 (231) and proceeds directly to a display of a lender default list 232, and then default routing selections 233 are displayed. Flow proceeds to decision 234A on whether to use dealer defaults or not. If not using the dealer defaults, flow proceeds to 234B to choose lenders and routing, and then to decision block 235.

[0238] If the dealer defaults are going to be used (yes), flow proceeds directly to decision block 235 where it is determined if all data is entered, i.e., if processing of selected lenders is completed. If the dealer defaults are not going to be used, or after new lending sources are selected, flow proceeds from decision block 235 (no) to decision block 236 where it is determined whether a funding source requires any additional credit data. If no additional data is required (no), flow returns to decision block 235 to determine if processing of selected lenders is complete.

[0239] However, if additional data is required (yes), flow proceeds to decision block 237 where it is determined whether the additional data has been appended to the credit application, i.e., if any additional data has not been entered. If the additional data has been entered, i.e., if there is no additional data to enter, then this funding source selection process is complete and flow returns from decision block 237 (no) to decision 235 to determine if the processing of all lenders is complete. If the additional data has not been entered (yes), then flow proceeds to block 238 where the additional data for the funding source is entered. After the additional data has been entered, flow returns to decision 235 to determine if the processing of all lenders is complete, and the process is repeated for the next lender until all lenders have been processed and this phase is done (239). Of course, after the application has been entered on-line, the dealer can choose to send the application immediately to a funding source using system defaults.

[0240] FIGS. 2C-1 and 2C-2 illustrate the Send Application process, circle 3 in FIG. 2. Flow begins at circle 3 (241) and proceeds to decision 242 on whether to send to one lender at a time. If the application is to be sent to all of the selected lenders at the same time, flow proceeds to decision 243 to determine if there are any lenders left to send the application to. If there are additional lenders to be sent to (yes), flow proceeds to decision 244. If the lender is electronically connected to the inventive system (a Credit Connection.®. “CC” lender, for example), flow proceeds to block 245 where the application is electronically transmitted to the lender, then returns to block 243 to decide if more lenders to send to remain. If the lender is not electronically connected to the invention, flow proceeds from block 244 to 246 where the application is faxed to the lender, and flow then returns to 243.

[0241] If no additional lenders are to receive the application, flow proceeds from block 243 to 247 and returns to the main menu.

[0242] If the application is to be sent to one lender at a time, flow proceeds from block 242 to circle 3A in FIGS. 2C-1 (248), and picks up in FIGS. 2C-2.

[0243] FIGS. 2C-2 illustrates the flow where all lenders are sent the application at different times. Flow begins at Circle 3A (248) and proceeds to decision 250 where it is determined if all lenders have received the application. If all lenders have been sent the application (no), flow proceeds to 251 to return to the main menu.

[0244] If some lenders remain to receive the application (yes), flow proceeds to decision 252 where it is determined if the last lender was electronically transmitted to. If the last lender was transmitted the application electronically (yes), flow proceeds to decision 253 to determine if a decision has been received from the last lender. If a decision has not been received (no), flow proceeds to decision 254 to determine if a predetermined time has expired since sent to the last lender after which the application is to be sent to the next lender. If time has not expired (no), flow proceeds back to decision 253 to determine if a decision has been received from the last lender. However, if the predetermined time has expired, flow proceeds from decision block 254 to 257 to determine how to send to the next lender, i.e., electronically or by fax.

[0245] If a decision has been received from the last lender as determined at block 253, flow proceeds to decision 255, where if the application is approved (yes) flow proceeds to 256 and returns to the main menu. However, if application was not approved (no), flow proceeds to decision 257 to determine how to send the application to the next lender. Decisions 257, 258 and 259 represent the same process and procedures as described with respect to items 244, 245 and 246 in FIGS. 2C-1.

[0246] Therefore, FIGS. 2C-1 and 2C-2 illustrate the send application routing process, circle 3 of FIG. 2. A decision on whether or not to use the dealer's default routing is made. If the default is used, flow returns to the main menu. If the default routing is not going to be used, new requirements for routing are entered and flow then returns to the main menu. If more than one funding source is requested, the present invention can route the application to the next funding source either manually or automatically, after a predetermined time delay or a application rejected response, for example. The various types of routing have been described above and include “shot-gunning,” sending to each source in turn if the previous funding source declined (rejected) the application, send to each source if the previous funding source has not responded in “N” (a selectable number of) minutes, send to each source in turn if the previous funding source declined or conditioned the application, or any combination of the last three items. The present invention can automatically route the application to the next funding source using either a time delay as determined by the dealer, or using the application's status.

[0247] With reference to FIG. 2D, the Enter/change Application operations, represented by circle 4 in FIG. 2, are illustrated. Flow begins at circle 4 (261) and proceeds to decision 262 where it is determined whether this is a new application, or an already entered application to be edited. If the latter is the case (not a new application), flow proceeds to block 263 where a list of all the existing dealer applications entered on-line and off-line are displayed, and then to block 264 where an existing application is selected from the list of currently available applications. At block 265, the application selected is displayed and changing or adding data to the selected application is represented by block 266. When the editing is completed, flow then returns 267 to return to the main menu. Credit applications which were entered on-line or off-line can be accessed and edited.

[0248] On the other hand, if a new application is being entered as determined in decision 262 (yes), then flow proceeds to the block 268 decision where a decision to enter a “Quick” application is made. If the Quick application is determined (yes), flow proceeds to block 270 where the Quick application (minimum) data is entered. If the credit application is not to be a Quick application, then flow proceeds to block 269 where base application data is entered. After either type of new application data has been entered, flow proceeds to 267 to return to the main menu.

[0249] Various reports are available on-demand. Some basic reports may be pre-compiled for a dealer so that they can be viewed on-line. Optional additional useful features, such as a loan calculator, a loan vs. lease analysis spread sheet, access to a vehicle pricing guide, a pop-up calendar, E-mail, etc., are provided and accessible through menu selection or function key activation. Detailed illustration of these features is not necessary for a complete understanding of the invention.

[0250] An on-line lender encyclopedia is available on the system according to the invention. The encyclopedia is a database of lenders which identifies various lenders and summaries specific relevant information about each one, such as policies and credit guidelines for example. Dial-in function for lenders allows them to add/update/delete entries from their encyclopedia, and dealers can see entries for lenders with whom they are signed up.

[0251] Next, a series of exemplary display screens will be discussed. Interactive use of the system is menu driven. Beginning with FIG. 3A1, this is an example of a first interactive screen where a user would enter their user ID and password. After correctly entering user ID and password, the next screen, for example as shown in FIG. 3A, would be a main menu including news from the system administrator below it. This is typical of a first screen a user would see after logging onto the system in accordance with an embodiment of the invention.

[0252] The main menu according to FIG. 3A has six choices: (1) Application Entry; (2) Quick Application Entry; (3) Pending Decision; (4) Pending Delivery; (U) Utilities; and (X) Exit the system. As indicated in the prompt message below the news block, a menu item may be chosen, or function key F12 can be pressed for more options.

[0253] FIG. 3B illustrates the display after pressing “1” for Application Entry. Below the main menu, four application parameters are displayed which can be changed by the user. As displayed, the first parameter can be either “New” or “Existing: and “New” is the current parameter entry. This means the system is expecting entry of a new application, rather than editing of an existing application.

[0254] The next parameter, “Personal/Business” is currently “Business” indicating the application will be a business type credit application rather than a personal type.

[0255] The next parameter, “Individual/Joint/None” is currently “J” for joint, indicating the application is for a joint business, rather than “Individual” for a single business, or “None.”

[0256] The final parameter, “Loan/Lease/Balloon” is currently “L” indicating the application is for a loan, rather than for a lease or a balloon type of arrangement.

[0257] FIGS. 3B(1) to 3L are the 10 parts of the application to be filled in, according to an embodiment of the invention. The individual parts to be filled in are dependent on the type of application and applicant. FIG. 3B(1) illustrates a screen with a first part of the application to be filled in with business information, only used for a business type application.

[0258] FIG. 3C illustrates a screen where the applicant's name, address and other demographic information is entered.

[0259] FIG. 3D illustrates a screen where the applicant's employment information is entered, and FIG. 3F is a screen for entering credit and creditor information.

[0260] FIGS. 3G, 3H and 3I are screens where a co-applicant name, address, employment and credit information would be entered.

[0261] Automotive Collateral information is entered on the screen shown in FIG. 3J, Finance Information is entered using the screen illustrated in FIG. 3K, and additional information (“Comments”) is entered on the screen illustrated in FIG. 3L. After all of these parts of an application are filled in, the user would return to the main menu, as shown in FIG. 3M.

[0262] At the main menu, FIG. 3M, after selecting 2, Quick Application entry, the screen as shown in FIG. 3N would be displayed. FIG. 3N illustrates a short version of the application, where only applicant information required for a credit bureau inquiry is entered.

[0263] Selecting “Pending Decision” (item 3) from the main menu would display a list (queue) of applications pending decision, as illustrated in FIG. 3O, and a pending decision menu as illustrated in FIG. 3P. From this pending decision menu, various displays can be accessed, including items D, O, S, B, C, P, R and T, which are shown in FIGS. 3Q to 3Y.

[0264] If item D, Lender Decisions is selected, a screen such as that shown in FIG. 3Q will be displayed having in particular a list of lenders, application numbers and decisions. The list also has the contact at the lender and other useful information.

[0265] Selecting item O, Application Overview, from the pending decision menu displays a screen such a that shown in FIG. 3R. As is apparent, an overview of an application is displayed including applicant information, auto/loan information and credit bureau information.

[0266] If item S, send application to lenders, is selected from the pending decision menu, a screen such as that shown in FIG. 3S is displayed showing a list of possible lenders. FIG. 3T displays at the bottom of the figure a box labelled “Enter the Lenders” having a field for a first, second and third lender, and for a routing selection, i.e., “Send to All/One by One.” From this screen, a dealer would select up to three lenders and the routing option for an application.

[0267] Various credit bureau displays are also accessible from the pending decision menu. For example, selecting item B, Display Credit Bureau, displays a screen such a that shown in FIG. 3U; selecting item C, Credit Bureau Summary, displays a screen such a that shown in FIG. 3V; selecting item P, Display Public Records, displays a screen such as that shown in FIG. 3W; selecting item R, Request Additional Bureaus, displays a screen such as that shown in FIG. 3X; and selecting item T, Display Trades, displays a screen such as that shown in FIG. 3Y.

[0268] FIG. 3Z shows a Select Next Station menu box with three items: Pending Decision, Pending Delivery and Completed. The user can manually move an application between the different stations instead of allowing the inventive system to automatically move it. Each of the stations have been or will be explained in this disclosure.

[0269] Returning to the Main Menu shown in FIG. 3B, selecting item 4, Pending Delivery, displays a screen such as that shown in FIG. 3AA listing applications which are pending delivery, and a pending delivery menu illustrated in FIG. 3AB with a variety of menu selections, and a Lender List as illustrated in FIG. 3AC. The pending delivery menu provides the same selections as the pending decision menu FIG. 3P.

[0270] Returning to the Main Menu shown in FIG. 3B, selecting item U, Utilities, causes Utilities menu FIG. 3AD to be displayed. As an added level of security, only specific dealer staff has access to the utilities menu. Selecting D, Dealer Setup, displays a screen such as that shown in FIG. 3AE with current dealer setup information listed. From this screen, a user can update the dealer setup information.

[0271] Selecting L, Lender Setup, from the Utilities Menu shown in FIG. 3AD, displays a screen such as that shown in FIG. 3AF with current lender setup information listed. From this screen, a user can update the lender setup information, add or delete a lender.

[0272] Selecting U, User Setup, from the Utilities menu, shown in FIG. 3AD displays a screen such as that shown in FIG. 3AG with a list of current users for this dealer. From this screen a user can update a user's information, add or delete a user.

[0273] A typical function key menu is illustrated in FIG. 3AH providing access to additional features. For example, selecting item 3, Lender Lookup, from this menu displays the list of lenders shown in FIG. 3AC. Selecting item 6, Search, from the function key menu displays the screen shown in FIG. 3AI providing search fields and beginning and ending date search constraints. FIG. 3AJ illustrates an example of a search result display initiated from the screen of FIG. 3AI.

[0274] Selecting item 8, News, from the function key menu, display a list of news items which can be selected and any system news, such as is illustrated in FIG. AK.

[0275] A dealer table at the lender may be provided with flags for:

(1) does the lender share bureau data on declines? and

(2) does the lender share bureau data on non-declines?

[0276] A lender can save an ARF file (Automated Record Format) for credit bureaus. This file can be transferred to the system according to the present invention which will read the ARF file and load the data into the system's database. ARF files are used by the system to create the bureau summary formats as described above.

[0277] FIG. 4 illustrates a computer readable storage medium 400 having a substrate 401 physically configured to represent a computer program for causing a computer to provide a credit application analysis and decision routing system. The medium 400 could be a floppy disk or disks, optical disk or disks, computer readable magnetic tape or tapes, semiconductor read only memory or memories (ROM), or a programmed logic array or arrays, for example.

[0278] It will be apparent to one of ordinary skill in the art that the manner of making and using the claimed invention has been adequately disclosed in the above-written description of the referred embodiment taken together with the drawings.

[0279] It will be understood that the above description of the preferred embodiment of the present invention is susceptible to various modifications, changes, and adaptations, and the same are intended to be comprehended within the meaning and range of equivalents of the appended claims.

[0280] The present invention allows a bank to have one standardized network and application interface to all of its auto dealers regardless of the dealer's F&I system, however as would be readily appreciated by one skilled in the art, this can be expanded to include non-automotive customers.

Claims

What is claimed is:

1. A computer readable medium comprising computer instructions to receive and route credit application information, said instructions comprising:

executable instructions for receiving a credit application from at least one remote application input location;

executable instructions for selectively forwarding said received credit application to a plurality of funding sources;

executable instructions for receiving a funding decision from said plurality of funding sources;

executable instructions for receiving content from said plurality of funding sources; and

executable instructions for delivering said content to said at least one remote application input location.

2. A computer readable medium as in claim 1, further comprising:

executable instructions for receiving from said plurality of funding sources content targeted to select one(s) of said at least one remote application input location; and;

executable instructions for delivering said targeted content to said select one(s) of said at least one remote application input location.

3. A computer readable medium as in claim 1, wherein content is selected from the group consisting of product information, new and used vehicle RATE PROGRAM pricing and announcement messages.

4. A computer readable medium as in claim 1, further comprising executable instructions for generating at least one defined group of said plurality of funding sources wherein said content is delivered to said at least one defined group.

5. A method for receiving and routing credit application information, comprising the steps of:

receiving a credit application from at least one remote application input location using a network device;

selectively forwarding, by a processor, said received credit application to a plurality of funding sources;

receiving a funding decision and content from said plurality of funding sources using a communications interface;

receiving content from said plurality of funding sources using the communications interface; and

delivering said content to said at least one remote application input location using the network device.

6. A method as in claim 5, further comprising the steps of:

receiving from said plurality of funding sources content targeted to select one(s) of said at least one remote application input location using said communications interface; and;

delivering said targeted content to said select one(s) of said at least one remote application input location using said network device.

7. A method as in claim 5, wherein said content is selected from the group consisting of product information, new and used vehicle RATE PROGRAM pricing and announcement messages.

8. A method as in claim 5, further comprising the steps of designating, by said processor, at least one defined group of said plurality of funding sources and delivering said content to said at least one defined group using said communications interface.

9. An apparatus for receiving and routing credit application information, comprising:

a network device to receive a credit application from at least one remote application input location and deliver content to said at least one remote application input location;

a processor configured to selectively forward said received credit application to a plurality of funding sources; and

a communications interface to receive at least one of a funding decision and said content from said plurality of funding sources.

10. An apparatus as in claim 9, wherein:

said communications interface is further configured to receive from said plurality of funding sources content targeted to select one(s) of said at least one remote application input location; and;

said network device is further configured to deliver said targeted content to said select one(s) of said at least one remote application input location.

11. An apparatus as in claim 9, wherein said content is selected from the group consisting of product information, new and used vehicle RATE PROGRAM pricing and announcement messages.

12. An apparatus as in claim 9, wherein said processor is further configured to generate at least one defined group of said plurality of funding sources and said communications interface is further configured to distribute said content to said at least one defined group.

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ADP001668-002083 Section 3 Program Specifications.Applicant
ADP002084-002342 Section 3 Program Specifications.Applicant
ADP002343-002654 Financial File Application Maintenance, Section 3 Program Specifications.Applicant
ADP002655-002973 PC Locator List Maintenance, Section 3 Program Specifications.Applicant
ADP002974-ADP003202—Program Secifications.Applicant
ADP00001-ADP00012—ADP Information Services Host Systems Detailed Specifications.Applicant
RTW00001-RTW00174—Chemical Bank.Applicant
RTW00175-RTW00250—Metroteller Dean Miller Referees.Applicant
RTW00251-RTW00335—Dean Miller “At a glance” 1990 calendar.Applicant
RTW00336—U-Link.Applicant
RTW00337-RTW00342—“The Future is Here Why is Elextronic Access Important?”.Applicant
RTW00343-RTW00349—Coin and Metroteller to Market Electronic Link Between Auto Dealers and Lenders.Applicant
RTW00347 RTW00348—Corres. to B. Shah from J. Palmer.Applicant
RTW00349-RTW00351—Corres. to M. Singleton from B. Hill.Applicant
RTW00352-RTW00376—Corres. to J. Wolfson from J. Palmer.Applicant
RTW00377-RTW00390—V-Link Analysis.Applicant
RTW00391-RTW00423—V-Link Product Analysis.Applicant
RTW00424-RTW00429—Coinlink Project Status Report.Applicant
RTW00430-RTW00431—Memo to J. Wolfson from Moot et al.Applicant
RTW00432—V-Link Current.Applicant
RTW00433—V-Link Logo.Applicant
RTW00434—V-Link Update.Applicant
RTW00435—Key Bank V-Link Presentation.Applicant
RTW00436-RTW00439—Article Marine Midland pland auto loan venture with giants with; Corres.Applicant
RTW00440—Article Marine forms venture to expant auto financing.Applicant
RTW00444-RTW00445—Memo to J. Wolfson & C. McIntyre from S. Sterman.Applicant
RTW00446-RTW00448—Minutes to NFADA Committee Meeting.Applicant
RTW00449—Memo re: Marine Involvement in Coinlink Project.Applicant
RTW00450-RTW00453—Coinlink Financial Proforma—with Marine Volume.Applicant
RTW00454—Memo re: Marine Involvement in Coinlink Project.Applicant
RTW00455-RTW00456—Coinlink Financial Proforma.Applicant
RTW00457—Corres. re: Coinlink.Applicant
RTW00458—Corres. to M. Love from C. Procknal.Applicant
RTW00459-RTW00461—System 88—Comparison Sheet.Applicant
RTW00462-RTW00463—Memor re: Coinlink Capitalization.Applicant
RTW00464-RTW00466—Coinlink Financial Proforma.Applicant
RTW00468-RTW00470—Cost Summary.Applicant
RTW00471—Corres to M. Singleton re: Metroteller Systems Inc.Applicant
RTW00472-RTW00473—Coinlink Functional Specification Outline.Applicant
RTW00474—Metroteller Systems Inc. Written notes.Applicant
RTW00475-RTW00484—Coinlink Project.Applicant
RTW00485-RTW00487—Corres. to P. Willax from J. Willis.Applicant
RTW00488—Status.Applicant
RTW00489-SRT00492—Corres. to T. Kress from S. Sterman.Applicant
RTW00493—V-Link Diagram.Applicant
RTW00494-RTW00519—V-Link Program Functional Specification.Applicant
RTW00520-RTW00523—Coinlink Technical Specifications Manual.Applicant
RTW00524-RTW00617—Coinlink Technical Specifications Manual.Applicant
RTW00618—Metroteller Logo.Applicant
RTW00619-RTW00646—CoinLink Diagram & Corres. to M. Love.Applicant
RTW00647-RTW00651—Concurrent Computer Corp.Applicant
RTW00652-RTW00654—Overview of SDM International.Applicant
RTW00655-RTW00657—Corres. to M. Love & S. Sterman.Applicant
RTW00658-RTW00661—Metroteler Systems—Coinlink spreadsheet.Applicant
RTW00662-RTW00665—Metroteler Systems—Coinlink spreadsheet.Applicant
RTW00666-RTW00669—Metroteler Systems—Coinlink spreadsheet.Applicant
RTW00670-RTW00672—Metroteler Systems—Coinlink spreadsheet.Applicant
RTW00673—Metroteller Systems Inc.Applicant
RTW00674-RTW00675—Coinlink Project.Applicant
RTW00676-RTW00677—Memo to J. Wolfson, C. McIntyre from S. Stermen.Applicant
RTW00678-RTW00681—Subscription Agreement for the Purchase of Shares of Common Stock.Applicant
RTW00682-RTW00685—Subscription Agreement for the Purchase of Shares of Common Stock.Applicant
RTW00686—Written notes.Applicant
RTW00687—MEMO re: Coinlink Project Update.Applicant
RTW00689-RTW00705—Orig. MSI/Coin Agreement.Applicant
RTW00706-RTW00799—Metroteller Systems Inc. Binder.Applicant
RTW00800-RTW00898—Integrated Delivery Technologies/ 1988 Business Plan.Applicant
RTW00899-RTW00924—V-Link Program Functional Specification.Applicant
RTW00925-RTW00983—NFADA Project Planning Meeting.Applicant
RTW00984-RTW00985—Article Banks entering race for quick credit ok; Corres. to M. Singleton.Applicant
RTW0986-RTW001023—Comerica Acceptance Corp. ALPS Project.Applicant
RTW01024-RTW001027—Indiana Center for Telecommunication.Applicant
RTW01028-RTW01039—Certified Collateral Corp. CARX-OTC.Applicant
RTW01040-RTW01055—Coinlink Corres. & Agreement.Applicant
RTW01056—Written Notes.Applicant
RTW01060-RTW01061—Written Notes.Applicant
RTW01062-RTW01064—Coin Contacts with written notes.Applicant
RTW01065—Empire Bank Phase I.Applicant
RTW01067·written notes.Applicant
RTW01068-RTW01071—Accounting Statement of Daniel Gordon.Applicant
RTW01072-RTW01073—Written notes.Applicant
RTW01074-RTW01089—Outline for Empire Bank Meeting.Applicant
RTW01090-RTW01092—Agenda Automation of Auto Financing.Applicant
RTW01093-RTW01094—Application to Approval/Decline Flow.Applicant
DCS000001—Dealer Ace Development Manual.Applicant
DCS000002—Dealer Ace Project Participants.Applicant
DCS000003—Dealer Ace Project.Applicant
DCS000004—Contents.Applicant
DCS000005—Project Leaders.Applicant
DCS000006—Application Development Committee.Applicant
DCS000007—Automated Credit Application.Applicant
DCS000008—Implementation Committee.Applicant
DCS000009—System Features Committee.Applicant
DCS000010—Off-Hours Service Committee.Applicant
DCS000011—Scope.Applicant
DCS000012—General Business Requirements.Applicant
DCS000013—Business Requirements.Applicant
DCS000014—Simware Network Overview.Applicant
DCS000015—Tab—Field Notes.Applicant
DCS000016—Memo re: Dealer A.C.E.—Rollout progress.Applicant
DCS00017—General Doc Form—App ID Dup. Check in Batch.Applicant
DCS000018—General Doc Form—Discounted Indicator.Applicant
DCS000019—General Doc Form—Weekly Hardcopy Report.Applicant
DCS000020—General Doc Form—Dealer Number Changes.Applicant
DCS000021—General Doc Form—Weekly Hardcopy Report.Applicant
DCS000022—General Doc Form—Weekly Hardcopy Report.Applicant
DCS000023—General Doc Form—Weekly Hardcopy Report.Applicant
DCS000024—General Doc Form—Refinement to the Send Function.Applicant
DCS000026—General Doc Form—Preliminary Notes for Tech Team.Applicant
DCS000030—General Doc Form—What to do if the Branches want to use A.C.E. on Sunday.Applicant
DCS000047—General Doc Form—NADA UVG Available Indicator.Applicant
DCS000049—Report.Applicant
DCS000076—General Doc Form Auditing for Product changes, Including UVG.Applicant
DCS000082—General Doc Form Branch Ace used Vehicle Guide Processing.Applicant
DCS000085—General Doc Form Expanded Transaction type change Capability.Applicant
DCS000089—General Doc Form Summary of Changes to the Branch System.Applicant
DCS000091—General Doc Form Changes to UVG Processing for Vehicles Not Funded.Applicant
DCS000098—Used Vehicle Scenarios.Applicant
DCS000100—Dealer System Interface for Branch-Entered Apps.Applicant
DCS000106—General Doc Form System Test Plan.Applicant
DCS000112—General Doc Form Financial Information Screen.Applicant
DCS000114—Branch Ace Collateral Screen.Applicant
DCS000123—Memo re Summary of Jul. 15, 1994 Core Team Meeting.Applicant
DCS000125—General Doc Form Dealer Ace Data Retention.Applicant
DCS000128—General Doc Form Current Development Activity Form.Applicant
DCS000130—General Doc form Dealer A.C.E. DB2 Table Identification.Applicant
DCS000131—General Doc Form Exit to Use Vehicle Guide from the Applicant Screen.Applicant
DCS000133—Interface to the Used Vehicle Guide System.Applicant
DCS000136—General Doc Form Branch Ace Properties.Applicant
DCS000138—General Doc Form New Work Queues in Branc ACE Revised.Applicant
DCS000140—Memo re Dealer Ace application Development Priorities.Applicant
DCS000148—General Doc Form System Test.Applicant
DCS000149—Dealer Ace Test Plan.Applicant
DCS000152—More Changes to the Branch System.Applicant
DCS000153—General Doc Form CFC Dealer Mainframe Menu.Applicant
DCS000155—General Doc Form Changes to Branch Table Maintenace.Applicant
DCS000161—General Doc Form New Work Queues in Branch Ace.Applicant
DCS000163—General Doc Form Application Statuses—Internal Codes.Applicant
DCS000165—General Doc Form Send Comand with Comments.Applicant
DCS000171—General Doc Form Dealer to Branch Messages.Applicant
DCS000173—General Doc Form Comments on Current Minutes.Applicant
DCS000177—General Doc Form Changes to the Dealer Log.Applicant
DCS000180—General Doc Form Two Problems to Solve.Applicant
DCS000185—Dealer 3270 Access Via Simware.Applicant
DCS000187—General Doc Form Batch Requirements for Dealer & Branch A.C.E.Applicant
DCS000189—General Doc Form History & Auditing.Applicant
DCS000191—Dealer ACE Data Change fields (continued).Applicant
DCS000193—General Doc Form History & Auditing.Applicant
DCS000199—Applications in the ACE System.Applicant
DCS000202—Dealer ACE Application Development Team Meeting Notes.Applicant
DCS000203—General Doc Form Product Change Function.Applicant
DCS000205—General Doc Form Delete Function.Applicant
DCS000207—Dealer ACE Application Development Sub-Committee Meeting Notes.Applicant
DCS000208—General Doc Form System Weekend Hours.Applicant
DCS000209—General Doc Form Dealer/Branch Interface—Revised.Applicant
DCS000213—General Doc Form Dealer/Branch Interface.Applicant
DCS000217—General Doc Form Dealer/Branch Interface.Applicant
DCS000219—General Doc Form “Preferred Prospect” Recognition.Applicant
DCS000220—General Doc Form Application Development Team Status.Applicant
DCS000222—Full Service System.Applicant
DCS000224—Process Flow Diagrams.Applicant
DCS000234—Financial Information (GK Lease).Applicant
DCS000236—Financial Information (GK Plus).Applicant
DCS000238—Financial Information (Retail).Applicant
DCS000240—Applicant Information.Applicant
DCS000242—Spouse Information.Applicant
DCS000243—Cobuyer Informtion.Applicant
DCS000245—Decision Information.Applicant
DCS000247—Main Menu.Applicant
DCS000258—Dealer A.C.E. System Test Control.Applicant
DCS000260—Dealer A.C.E. System Test Control.Applicant
DCS000269—Dealer A.C.E. system Test Control.Applicant
DCS000277—Dealer A.C.E. System Test Control.Applicant
DCS000284—Dealer A.C.E. System Test Control.Applicant
DCS000293—Chryster Financial Corporate Deal Direct.Applicant
DCS000358—Dear Ace Dealer Information.Applicant
DCS000673—Ace Automated Credit Evaluation System.Applicant
DCS000681—Dealer Ace—Chrysler Credit's Automated Credit.Applicant
DCS000649—Exhibit B—Schedule of Fees and Charges—Electronic Credit Applications.Applicant
DT022652—License Agreement between DealerTrack and CarMax.Applicant
DT022667—DealerTrack Holding Consolidated Financial Statemetns Dec. 31, 2002 and 2001.Applicant
FRD000118—Creditnet Bulletin.Applicant
FRD000193—Ford Credit Operators Guide.Applicant
FRD000810—Creditnet Status Report.Applicant
FRD001104—Creditnet Enrollment Form.Applicant
FRD001105—Creditnet Enrollment Form.Applicant
FRD001106—Creditnet Enrollment Form.Applicant
FRD001107—Creditnet Enrollment Form.Applicant
FRD001108—Creditnet Enrollment Form.Applicant
FRD001109—Creditnet Enrollment Form.Applicant
FRD001110—Creditnet Enrollment Form.Applicant
FRD001111—Creditnet Enrollment Form.Applicant
FRD001112—Creditnet Enrollment Form.Applicant
FRD001113—CreditnetEnrollment Form.Applicant
FRD001114—Creditnet Enrollment Form.Applicant
FRD001115—Creditnet Enrollment Form.Applicant
FRD001116—Acknowledgment.Applicant
FRD001117—Creditnet Enrollment Form.Applicant
FRD001118—Creditnet Enrollment Form.Applicant
FRD001119—Creditnet Enrollment Form.Applicant
FRD001120—Creditnet Enrollment Form.Applicant
FRD001121—Creditnet Enrollment Form.Applicant
FRD001122—Creditnet Enrollment Form.Applicant
FRD001123—Creditnet Enrollment Form.Applicant
FRD001124—Creditnet Enrollment Form.Applicant
FRD001125—Creditnet Enrollment Form.Applicant
FRD001126—CreditnetEnrollment Form.Applicant
FRD001127—Creditnet Enrollment Form.Applicant
FRD001128—Creditnet Enrollment Form.Applicant
FRD001129—Creditnet Enrollment Form.Applicant
FRD001130—Creditnet Enrollment Form.Applicant
FRD001131—Creditnet Enrollment Form.Applicant
FRD001132—Creditnet Enrollment Form.Applicant
FRD001133—Creditnet Enrollment Form.Applicant
FRD001134—Creditnet Enrollment Form.Applicant
FRD001135—Creditnet Enrollment Form.Applicant
FRD001136—Creditnet Enrollment Form.Applicant
FRD001137—Creditnet Enrollment Form.Applicant
FRD001138—Creditnet Enrollment Form.Applicant
FRD001139—Creditnet Enrollment Form.Applicant
FRD001140—Creditnet Enrollment Form.Applicant
FRD001141—Creditnet Enrollment Form.Applicant
FRD001142—Creditnet Enrollment Form.Applicant
FRD001143—Creditnet Enrollment Form.Applicant
FRD001144—Creditnet Enrollment Form.Applicant
FRD001145—CreditnetEnrollment Form.Applicant
FRD001146—Creditnet Enrollment Form.Applicant
FRD001147—Creditnet Enrollment Form.Applicant
FRD001148—Creditnet Enrollment Form.Applicant
FRD001149—Creditnet Enrollment Form.Applicant
FRD001150—Creditnet Enrollment Form.Applicant
FRD001151—Creditnet Enrollment Form.Applicant
FRD001152—Creditnet Enrollment Form.Applicant
FRD001153—Creditnet Enrollment Form.Applicant
FRD001154—Creditnet Enrollment Form.Applicant
FRD001155—Creditnet Enrollment Form.Applicant
FRD001156—Creditnet Enrollment Form.Applicant
FRD001157—Creditnet Enrollment Form.Applicant
FRD001158—Creditnet Enrollment Form.Applicant
FRD001159—Creditnet Enrollment Form.Applicant
FRD001160—Creditnet Enrollment Form.Applicant
FRD001161—Creditnet Enrollment Form.Applicant
FRD001162—Creditnet Enrollment Form.Applicant
FRD001163—Creditnet Enrollment Form.Applicant
FRD001164—Creditnet Enrollment Form.Applicant
FRD001165—Creditnet Enrollment Form.Applicant
FRD001166—Creditnet Enrollment Form.Applicant
FRD001167—Creditnet Enrollment Form.Applicant
FRD001168—Creditnet Enrollment Form.Applicant
FRD001169—Creditnet Enrollment Form.Applicant
FRD001170—Creditnet Enrollment Form.Applicant
FRD001171—Creditnet Enrollment Form.Applicant
FRD001172—Creditnet Enrollment Form.Applicant
FRD001174—Creditnet Enrollment Form.Applicant
FRD001175—Creditnet Enrollment Form.Applicant
FRD001176—Creditnet Enrollment Form.Applicant
FRD001177—Creditnet Enrollment Form.Applicant
FRD001178—Creditnet Enrollment Form.Applicant
FRD001181—Creditnet Enrollment Form.Applicant
FRD001180—CreditnetEnrollment Form.Applicant
FRD001182—Creditnet Enrollment Form.Applicant
FRD001183—Creditnet Enrollment Form.Applicant
FRD001184—Creditnet Enrollment Form.Applicant
FRD001186—Creditnet Enrollment Form.Applicant
FRD001188—Creditnet Enrollment Form.Applicant
FRD001189—Creditnet Enrollment Form.Applicant
FRD001190—Creditnet Enrollment Form.Applicant
FRD001191—Creditnet Enrollment Form.Applicant
FRD001192—Creditnet Enrollment Form.Applicant
FRD001193—Creditnet Enrollment Form.Applicant
FRD001195—Creditnet Enrollment Form.Applicant
FRD001196—Creditnet Enrollment Form.Applicant
FRD001197—Creditnet Enrollment Form.Applicant
FRD001198—Creditnet Enrollment Form.Applicant
FRD001199—Creditnet Enrollment Form.Applicant
FRD001200—Creditnet Enrollment Form.Applicant
FRD001201—Creditnet Enrollment Form.Applicant
FRD001202—Creditnet Enrollment Form.Applicant
FRD001203—CreditnetEnrollment Form.Applicant
FRD001204—Creditnet Enrollment Form.Applicant
FRD001205—Creditnet Enrollment Form.Applicant
FRD001206—Creditnet Enrollment Form.Applicant
FRD001207—Creditnet Enrollment Form.Applicant
FRD001208—Creditnet Enrollment Form.Applicant
FRD001209—Creditnet Enrollment Form.Applicant
FRD001210—Creditnet Enrollment Form.Applicant
FRD001211—Creditnet Enrollment Form.Applicant
FRD001212—Creditnet Enrollment Form.Applicant
FRD001213—Creditnet Enrollment Form.Applicant
FRD001214—Creditnet Enrollment Form.Applicant
FRD001215—Creditnet Enrollment Form.Applicant
FRD001216—Creditnet Enrollment Form.Applicant
FRD001218—Creditnet Enrollment Form.Applicant
FRD001219—Creditnet Enrollment Form.Applicant
FRD001220—Creditnet Enrollment Form.Applicant
FRD001221—Creditnet Enrollment Form.Applicant
FRD001222—Creditnet Enrollment Form.Applicant
FRD001223—Creditnet Enrollment Form.Applicant
FRD001224—Creditnet Enrollment Form.Applicant
FRD001226—Creditnet Enrollment Form.Applicant
FRD001227—Creditnet Enrollment Form.Applicant
FRD001228—Creditnet Enrollment Form.Applicant
FRD001229—Creditnet Enrollment Form.Applicant
FRD001230—Creditnet Enrollment Form.Applicant
FRD001231—Creditnet Enrollment Form.Applicant
FRD001232—Creditnet Enrollment Form.Applicant
FRD001233—Creditnet Enrollment Form.Applicant
FRD001234—Creditnet Enrollment Form.Applicant
FRD001235—Creditnet Enrollment Form.Applicant
FRD001236—Creditnet Enrollment Form.Applicant
FRD001237—Creditnet Enrollment Form.Applicant
FRD001238—Creditnet Enrollment Form.Applicant
FRD001240—Creditnet Enrollment Form.Applicant
FRD001242—Creditnet Enrollment Form.Applicant
FRD001243—Creditnet Enrollment Form.Applicant
FRD001244—Creditnet Enrollment Form.Applicant
FRD001245—Creditnet Enrollment Form.Applicant
FRD001246—Creditnet Enrollment Form.Applicant
FRD001247—Creditnet Enrollment Form.Applicant
FRD001249—Creditnet Enrollment Form.Applicant
FRD001250—Creditnet Enrollment Form.Applicant
FRD001251—Creditnet Enrollment Form.Applicant
FRD001252—Creditnet Enrollment Form.Applicant
FRD001253—Creditnet Enrollment Form.Applicant
FRD001254—Creditnet Enrollment Form.Applicant
FRD001255—Creditnet Enrollment Form.Applicant
FRD001256—Creditnet Enrollment Form.Applicant
FRD001257—Creditnet Enrollment Form.Applicant
FRD001258—Creditnet Enrollment Form.Applicant
FRD001259—Creditnet Enrollment Form.Applicant
FRD001261—Creditnet Enrollment Form.Applicant
FRD001263—Creditnet Enrollment Form.Applicant
FRD001264—Creditnet Enrollment Form.Applicant
FRD001265—Creditnet Enrollment Form.Applicant
FRD001266—Creditnet Enrollment Form.Applicant
FRD001267—Creditnet Enrollment Form.Applicant
FRD001270—Creditnet Enrollment Form.Applicant
FRD001271—Creditnet Enrollment Form.Applicant
FRD001272—Creditnet Enrollment Form.Applicant
FRD001273—Creditnet Enrollment Form.Applicant
FRD001274—Creditnet Enrollment Form.Applicant
FRD001275—Creditnet Enrollment Form.Applicant
FRD001276—Creditnet Enrollment Form.Applicant
FRD001277—Creditnet Enrollment Form.Applicant
FRD001278—Creditnet Enrollment Form.Applicant
FRD001279—Creditnet Enrollment Form.Applicant
FRD001280—Creditnet Enrollment Form.Applicant
FRD001281—Creditnet Enrollment Form.Applicant
FRD001282—Creditnet Enrollment Form.Applicant
FRD001283—Creditnet Enrollment Form.Applicant
FRD001284—Creditnet Enrollment Form.Applicant
FRD001285—Creditnet Enrollment Form.Applicant
FRD001286—Creditnet Enrollment Form.Applicant
FRD001287—Creditnet Enrollment Form.Applicant
FRD001288—Creditnet Enrollment Form.Applicant
FRD001289—Creditnet Enrollment Form.Applicant
FRD001290—Creditnet Enrollment Form.Applicant
FRD001291—Creditnet Enrollment Form.Applicant
FRD001292—Creditnet Enrollment Form.Applicant
FRD001293—Creditnet Enrollment Form.Applicant
FRD001294—Creditnet Enrollment Form.Applicant
FRD001295—Creditnet Enrollment Form.Applicant
FRD001296—Creditnet Enrollment Form.Applicant
FRD001297—Creditnet Enrollment Form.Applicant
FRD001298—Creditnet Enrollment Form.Applicant
FRD001299—Creditnet Enrollment Form.Applicant
FRD001300—Creditnet Enrollment Form.Applicant
FRD001301—Creditnet Enrollment Form.Applicant
FRD001302—Creditnet Enrollment Form.Applicant
FRD001303—Creditnet Enrollment Form.Applicant
FRD001304—Creditnet Enrollment Form.Applicant
FRD001305—Creditnet Enrollment Form.Applicant
FRD001306—Creditnet Enrollment Form.Applicant
FRD001307—Creditnet Enrollment Form.Applicant
FRD001308—Creditnet Enrollment Form.Applicant
FRD001309—Creditnet Enrollment Form.Applicant
FRD001310—Creditnet Enrollment Form.Applicant
FRD001311—Creditnet Enrollment Form.Applicant
FRD001312—Creditnet Enrollment Form.Applicant
FRD001313—Creditnet Enrollment Form.Applicant
FRD001314—Creditnet Enrollment Form.Applicant
FRD001315—Creditnet Enrollment Form.Applicant
FRD001316—Creditnet Enrollment Form.Applicant
FRD001317—Creditnet Enrollment Form.Applicant
FRD001318—Creditnet Enrollment Form.Applicant
FRD001320—Creditnet Enrollment Form.Applicant
FRD001321—Creditnet Enrollment Form.Applicant
FRD001322—Creditnet Enrollment Form.Applicant
FRD001323—Creditnet Enrollment Form.Applicant
FRD001324—Creditnet Enrollment Form.Applicant
FRD001325—Creditnet Enrollment Form.Applicant
FRD001326—Creditnet Enrollment Form.Applicant
FRD001327—Creditnet Enrollment Form.Applicant
FRD001328—Creditnet Enrollment Form.Applicant
FRD001329—Creditnet Enrollment Form.Applicant
FRD001330—Creditnet Enrollment Form.Applicant
FRD001331—Creditnet Enrollment Form.Applicant
FRD001332—Creditnet Enrollment Form.Applicant
FRD001333—Creditnet Enrollment Form.Applicant
FRD001334—Creditnet Enrollment Form.Applicant
FRD001335—Creditnet Enrollment Form.Applicant
FRD001336—Creditnet Enrollment Form.Applicant
FRD001337—Creditnet Enrollment Form.Applicant
FRD001338—Creditnet Enrollment Form.Applicant
FRD001339—Creditnet Enrollment Form.Applicant
FRD001340—Creditnet Enrollment Form.Applicant
FRD001341—Creditnet Enrollment Form.Applicant
FRD001342—Creditnet Enrollment Form.Applicant
FRD001343—Creditnet Enrollment Form.Applicant
FRD001345—Creditnet Enrollment Form.Applicant
FRD001346—Creditnet Enrollment Form.Applicant
FRD001347—Creditnet Enrollment Form.Applicant
FRD001348—Creditnet Enrollment Form.Applicant
FRD001349—Creditnet Enrollment Form.Applicant
FRD001350—Creditnet Enrollment Form.Applicant
FRD001351—Creditnet Enrollment Form.Applicant
FRD001352—Creditnet Enrollment Form.Applicant
FRD001353—Creditnet Enrollment Form.Applicant
FRD001354—Creditnet Enrollment Form.Applicant
FRD001355—Creditnet Enrollment Form.Applicant
FRD001356—Creditnet Enrollment Form.Applicant
FRD001357—Creditnet Enrollment Form.Applicant
FRD001358—Creditnet Enrollment Form.Applicant
FRD001359—Creditnet Enrollment Form.Applicant
FRD001360—Creditnet Enrollment Form.Applicant
FRD001361—Creditnet Enrollment Form.Applicant
FRD001362—Creditnet Enrollment Form.Applicant
FRD001363—Creditnet Enrollment Form.Applicant
FRD001365—Creditnet Enrollment Form.Applicant
FRD001366—Creditnet Enrollment Form.Applicant
FRD001367—Creditnet Enrollment Form.Applicant
FRD001368—Creditnet Enrollment Form.Applicant
FRD001369—Creditnet Enrollment Form.Applicant
FRD001370—Creditnet Enrollment Form.Applicant
FRD001371—Creditnet Enrollment Form.Applicant
FRD001372—Creditnet Enrollment Form.Applicant
FRD001373—Creditnet Enrollment Form.Applicant
FRD001374—Creditnet Enrollment Form.Applicant
FRD001375—Creditnet Enrollment Form.Applicant
FRD001376—Creditnet Enrollment Form.Applicant
FRD001377—Creditnet Enrollment Form.Applicant
FRD001378—Creditnet Enrollment Form.Applicant
FRD001379—Creditnet Enrollment Form.Applicant
FRD001380—Creditnet Enrollment Form.Applicant
FRD001381—Creditnet Enrollment Form.Applicant
FRD001382—Creditnet Enrollment Form.Applicant
FRD001383—Creditnet Enrollment Form.Applicant
FRD001384—Creditnet Enrollment Form.Applicant
FRD001385—Creditnet Enrollment Form.Applicant
FRD001386—Creditnet Enrollment Form.Applicant
FRD001387—Creditnet Enrollment Form.Applicant
FRD001388—Creditnet Enrollment Form.Applicant
FRD001389—Creditnet Enrollment Form.Applicant
FRD001390—Creditnet Enrollment Form.Applicant
FRD001391—Creditnet Enrollment Form.Applicant
FRD001392—Creditnet Enrollment Form.Applicant
FRD001393—Creditnet Enrollment Form.Applicant
FRD001394—Creditnet Enrollment Form.Applicant
FRD001395—Creditnet Enrollment Form.Applicant
FRD001396—Creditnet Enrollment Form.Applicant
FRD001397—Creditnet Enrollment Form.Applicant
FRD001398—Creditnet Enrollment Form.Applicant
FRD001399—Creditnet Enrollment Form.Applicant
FRD001400—Creditnet Enrollment Form.Applicant
FRD001401—Creditnet Enrollment Form.Applicant
FRD001402—Creditnet Enrollment Form.Applicant
FRD001403—Creditnet Enrollment Form.Applicant
FRD001404—Creditnet Enrollment Form.Applicant
FRD001405—Creditnet Enrollment Form.Applicant
FRD001406—Creditnet Enrollment Form.Applicant
FRD001407—Creditnet Enrollment Form.Applicant
FRD001408—Creditnet Enrollment Form.Applicant
FRD001409—Creditnet Enrollment Form.Applicant
FRD001410—Creditnet Enrollment Form.Applicant
FRD001411—Creditnet Enrollment Form.Applicant
FRD001412—Creditnet Enrollment Form.Applicant
FRD001413—Creditnet Enrollment Form.Applicant
FRD001414—Creditnet Enrollment Form.Applicant
FRD001415—Creditnet Enrollment Form.Applicant
FRD001416—Creditnet Enrollment Form.Applicant
FRD001417—Creditnet Enrollment Form.Applicant
FRD001418—Creditnet Enrollment Form.Applicant
FRD001419—Creditnet Enrollment Form.Applicant
FRD001420—Creditnet Enrollment Form.Applicant
FRD001421—Creditnet Enrollment Form.Applicant
FRD001422—Creditnet Enrollment Form.Applicant
FRD001423—Creditnet Enrollment Form.Applicant
FRD001424—Creditnet Enrollment Form.Applicant
FRD001425—Creditnet Enrollment Form.Applicant
FRD001426—Creditnet Enrollment Form.Applicant
FRD001427—Creditnet Enrollment Form.Applicant
FRD001428—Creditnet Enrollment Form.Applicant
FRD001429—Creditnet Enrollment Form.Applicant
FRD001430—Creditnet Enrollment Form.Applicant
FRD001431—Creditnet Enrollment Form.Applicant
FRD001432—Creditnet Enrollment Form.Applicant
FRD001433—Creditnet Enrollment Form.Applicant
FRD001434—Creditnet Enrollment Form.Applicant
FRD001435—Creditnet Enrollment Form.Applicant
FRD001436—Creditnet Enrollment Form.Applicant
FRD001437—Creditnet Enrollment Form.Applicant
FRD001438—Creditnet Enrollment Form.Applicant
FRD001439—Creditnet Enrollment Form.Applicant
FRD001440—Creditnet Enrollment Form.Applicant
FRD001441—Creditnet Enrollment Form.Applicant
FRD001442—Creditnet Enrollment Form.Applicant
FRD001443—Creditnet Enrollment Form.Applicant
FRD001444—Creditnet Enrollment Form.Applicant
FRD001445—Creditnet Enrollment Form.Applicant
FRD001446—CreditnetEnrollment Form.Applicant
FRD001447—Creditnet Enrollment Form.Applicant
FRD001448—Creditnet Enrollment Form.Applicant
FRD001449—Creditnet Enrollment Form.Applicant
FRD001450—Creditnet Enrollment Form.Applicant
FRD001451—Creditnet Enrollment Form.Applicant
FRD001452—Creditnet Enrollment Form.Applicant
FRD001453—Creditnet Enrollment Form.Applicant
FRD001454—Creditnet Enrollment Form.Applicant
FRD001455—Creditnet Enrollment Form.Applicant
FRD001456—Creditnet Enrollment Form.Applicant
FRD001457—Creditnet Enrollment Form.Applicant
FRD001458—Creditnet Enrollment Form.Applicant
FRD001459—Creditnet Enrollment Form.Applicant
FRD001460—CreditnetEnrollment Form.Applicant
FRD001461—Creditnet Enrollment Form.Applicant
FRD001462—Creditnet Enrollment Form.Applicant
FRD001463—Creditnet Enrollment Form.Applicant
FRD001464—Creditnet Enrollment Form.Applicant
FRD001465—Creditnet Enrollment Form.Applicant
FRD001466—Creditnet Enrollment Form.Applicant
FRD001467—Creditnet Enrollment Form.Applicant
FRD001469—Corres. to Glen Pellock.Applicant
FRD001470—Creditnet Enrollment Form.Applicant
FRD001471—Creditnet Enrollment Form.Applicant
FRD001472—Creditnet Enrollment Form.Applicant
FRD001473—Creditnet Enrollment Form.Applicant
FRD001474—Creditnet Enrollment Form.Applicant
FRD001475—Creditnet Enrollment Form.Applicant
FRD001476—Additional Creditnet system for North Florida Lincoln-Mercury.Applicant
FRD001477-FRD001478—Creditnet Enrollment Form.Applicant
FRD001479—Creditnet Enrollment Form.Applicant
FRD001480—Creditnet Enrollment Form.Applicant
FRD001481—Creditnet Enrollment Form.Applicant
FRD001482—Creditnet Enrollment Form.Applicant
FRD001483—Creditnet Enrollment Form.Applicant
FRD001484—Creditnet Enrollment Form.Applicant
FRD001485—Creditnet Enrollment Form.Applicant
FRD001486—Creditnet Enrollment Form.Applicant
FRD001487—Creditnet Enrollment Form.Applicant
FRD001488—Creditnet Enrollment Form.Applicant
FRD001489—Creditnet Enrollment Form.Applicant
FRD001490—Creditnet Enrollment Form.Applicant
FRD001491—Creditnet Enrollment Form.Applicant
FRD001492—Creditnet Enrollment Form.Applicant
FRD001493—Creditnet Enrollment Form.Applicant
FRD001494—Creditnet Enrollment Form.Applicant
FRD001495—Creditnet Enrollment Form.Applicant
FRD001496—Creditnet Enrollment Form.Applicant
FRD001497—Creditnet Enrollment Form.Applicant
FRD001498-FRD001499—Creditnet Enrollment Form.Applicant
FRD001500—Creditnet Enrollment Form.Applicant
FRD001501—Creditnet Enrollment Form.Applicant
FRD001502-FRD001503—Creditnet Enrollment Form.Applicant
FRD001504—Creditnet Enrollment Form.Applicant
FRD001505—Creditnet Enrollment Form.Applicant
FRD001506—Creditnet Enrollment Form.Applicant
FRD001507—Creditnet Enrollment Form.Applicant
FRD001508—Creditnet Enrollment Form.Applicant
FRD001509—Creditnet Enrollment Form.Applicant
FRD001510-FRD001511—Creditnet Enrollment Form.Applicant
FRD001512—Creditnet Enrollment Form.Applicant
FRD001513—Creditnet Enrollment Form.Applicant
FRD001514—Creditnet Enrollment Form.Applicant
FRD001515—Creditnet Enrollment Form.Applicant
FRD001516—Creditnet Enrollment Form.Applicant
FRD001517—Creditnet Enrollment Form.Applicant
FRD001518—Creditnet Enrollment Form.Applicant
FRD001519—Creditnet Enrollment Form.Applicant
FRD001520—Creditnet Enrollment Form.Applicant
FRD001521—Creditnet Enrollment Form.Applicant
FRD001522—Creditnet Enrollment Form.Applicant
FRD001523-FRD001524—Creditnet Enrollment Form.Applicant
FRD001525—Creditnet Enrollment Form.Applicant
FRD001526—Fax Regarding Stand Alone Terminal.Applicant
FRD001527—Letter requesting Approval.Applicant
FRD001528—Creditnet Enrollment Form.Applicant
FRD001529—Creditnet Enrollment Form.Applicant
FRD001530—Creditnet Enrollment Form.Applicant
FRD001531—Memo regarding Stand Alone Equipment.Applicant
FRD001532-FRD001533—Creditnet Enrollment Form.Applicant
FRD001534-FRD00'1535—Creditnet Enrollment Form.Applicant
FRD001536—Creditnet Enrollment Form.Applicant
FRD001537-FRD001538—Request for replacement of stand alone terminal.Applicant
FRD001539—Creditnet Enrollment Form.Applicant
FRD001540—Creditnet Enrollment Form.Applicant
FRD001541—Creditnet Enrollment Form.Applicant
FRD001542—Creditnet Enrollment Form.Applicant
FRD001543—Creditnet Enrollment Form.Applicant
FRD001544—Creditnet Enrollment Form.Applicant
FRD001545—Creditnet Enrollment Form.Applicant
FRD001546—Creditnet Enrollment Form.Applicant
FRD001547-FRD001549—Creditnet Enrollment Form.Applicant
FRD001550—Creditnet Enrollment Form.Applicant
FRD001551—Creditnet Enrollment Form.Applicant
FRD001552—Creditnet Enrollment Form.Applicant
FRD001553—Creditnet Enrollment Form.Applicant
FRD001554—Creditnet Enrollment Form.Applicant
FRD001546-FRD001557—Creditnet Enrollment Form.Applicant
FRD001558—Creditnet Enrollment Form.Applicant
FRD001559—Creditnet Enrollment Form.Applicant
FRD001560—Creditnet Enrollment Form.Applicant
FRD001561—Creditnet Enrollment Form.Applicant
FRD001562—Souteastern Region 12/7.Applicant
FRD001563—Corres. From Ford Motor Credit Co. to Mr. A. Wagner.Applicant
FRD001564—Creditnet Enrollment Form.Applicant
FRD001565—Creditnet Enrollment Form.Applicant
FRD001566—Dealer info re: Harold Skinner.Applicant
FRD001567—Creditnet Enrollment Form.Applicant
FRD001568—Two Way Memo to Credit-Net.Applicant
FRD001569—Creditnet Enrollment Form.Applicant
FRD001570—Creditnet Enrollment Form.Applicant
FRD001571—Creditnet Enrollment Form.Applicant
FRD001572—Creditnet Enrollment Form.Applicant
FRD001573—Creditnet Enrollment Form.Applicant
FRD001574—Creditnet Enrollment Form.Applicant
FRD001575—Corres. From Ford Motor Credit Co. to L. Adamus.Applicant
FRD001576—Creditnet Enrollment Form.Applicant
FRD001577—Corres. From Ford Motor Credit Co. to Linda.Applicant
FRD001578—Creditnet Enrollment Form.Applicant
FRD001579—Creditnet Enrollment Form.Applicant
FRD001580—Creditnet Enrollment Form.Applicant
FRD001581—Creditnet Enrollment Form.Applicant
FRD001582—Corres. from Ford Motor Credit to George.Applicant
FRD001583—Creditnet Enrollment Form.Applicant
FRD001584—Creditnet Enrollment Form.Applicant
FRD001585—Corres from Ford Motor Credit to Mr. Fitzgerald.Applicant
FRD001586—Creditnet Enrollment Form.Applicant
FRD001587—Corres. from Ford Motor Credit to Mr. Kozel.Applicant
FRD001588—Creditnet Enrollment Form.Applicant
FRD001589—Corres. from Ford Motor Credit to Mr. Kozel.Applicant
FRD001590—Creditnet Enrollment Form.Applicant
FRD001591—Creditnet Enrollment Form.Applicant
FRD001592—Creditnet Enrollment Form.Applicant
FRD001593—Corres. From Ford Motor Credit Co. to Mr. A. Wagner.Applicant
FRD001594—Creditnet Enrollment Form.Applicant
FRD001595—Creditnet Enrollment Form.Applicant
FRD001596—Creditnet Enrollment Form.Applicant
FRD001597—Corres. From Ford Motor Credit Co. to Mr. A. Wagner.Applicant
FRD001598—Creditnet Enrollment Form.Applicant
FRD001599—Creditnet Enrollment Form.Applicant
FRD001600—Creditnet Enrollment Form.Applicant
FRD001601—Corres. from Ford Motor Credit to A. Wagner.Applicant
FRD001602—Creditnet Enrollment Form.Applicant
FRD001603—Creditnet Enrollment Form.Applicant
FRD001604—Creditnet Enrollment Form.Applicant
FRD001605—Creditnet Enrollment Form.Applicant
FRD001606—Corres. from Ford Motor Credit to A. Wagner.Applicant
FRD001607—Corres. from Ford Motor Credit to A. Wagner.Applicant
FRD001608—Creditnet Enrollment Form.Applicant
FRD001609—Creditnet Enrollment Form.Applicant
FRD001610—Memo to L. Adamus.Applicant
FRD001611—Memo to L. Adamus.Applicant
FRD001612—Creditnet Enrollment Form.Applicant
FRD001613—Fax cover to L. Adamus.Applicant
FRD001614—Creditnet Enrollment Form.Applicant
FRD001615—Creditnet Enrollment Form.Applicant
FRD001616—Creditnet Enrollment Form.Applicant
FRD001617—Creditnet Enrollment Form.Applicant
FRD001618—Creditnet Enrollment Form.Applicant
FRD001619—Creditnet Enrollment Form.Applicant
FRD001620—Creditnet Enrollment Form.Applicant
FRD001621—Creditnet Enrollment Form.Applicant
FRD001622—Creditnet Enrollment Form.Applicant
FRD001623—Creditnet Enrollment Form.Applicant
FRD001624—Creditnet Enrollment Form.Applicant
FRD001625—Two Way Memo to M. Kozel.Applicant
FRD001626—Creditnet Enrollment Form.Applicant
FRD001627—Creditnet Enrollment Form.Applicant
FRD001628—Dealer info. Re: H. Hopkins.Applicant
FRD001629—Creditnet Enrollment Form.Applicant
FRD001630—Creditnet Enrollment Form.Applicant
FRD001631—Corres. from Ford Motor Credit to Mr. Kozel.Applicant
FRD001632—Creditnet Enrollment Form.Applicant
FRD001633—Creditnet Enrollment Form.Applicant
FRD001634—Creditnet Enrollment Form.Applicant
FRD001635—Creditnet Enrollment Form.Applicant
FRD001636—Creditnet Enrollment Form.Applicant
FRD001637—Creditnet Enrollment Form.Applicant
FRD001638—Creditnet Enrollment Form.Applicant
FRD001639—Two Way Memo to M. Kozel.Applicant
FRD001640—Creditnet Enrollment Form.Applicant
FRD001641—Corres. From Ford Motor Credit Co. to L. Adamus.Applicant
FRD001642—Creditnet Enrollment Form.Applicant
FRD001643—Corres. From Ford Motor Credit Co. to L. Adamus.Applicant
FRD001644—Creditnet Enrollment Form.Applicant
FRD001645—Two Way Memo to M. Kozel.Applicant
FRD001646—Creditnet Enrollment Form.Applicant
FRD001647—Creditnet Enrollment Form.Applicant
FRD001648—Creditnet Enrollment Form.Applicant
FRD001649—Creditnet Enrollment Form.Applicant
FRD001650—Written notes from Jul. 12, 1993.Applicant
FRD001651—Memo to J. Wardwell.Applicant
FRD001652—Creditnet Enrollment Form.Applicant
FRD001653—Two Way Memo to J. Chadwick.Applicant
FRD001654—Creditnet Enrollment Form.Applicant
FRD001655—Creditnet Enrollment Form.Applicant
FRD001656—Creditnet Enrollment Form.Applicant
FRD001657—Creditnet Enrollment Form.Applicant
FRD001658—Two Way Memo to L. Adamus.Applicant
FRD001659—Creditnet Enrollment Form.Applicant
FRD001660—Creditnet Enrollment Form.Applicant
FRD001661—Creditnet Enrollment Form.Applicant
FRD001662—Creditnet Enrollment Form.Applicant
FRD001663—Creditnet Enrollment Form.Applicant
FRD001664—Creditnet Enrollment Form.Applicant
FRD001665—Corres. from Ford Motor Credit Co. to A. Wagner.Applicant
FRD001666—Creditnet Enrollment Form.Applicant
FRD001667—Creditnet Enrollment Form.Applicant
FRD001668—Creditnet Enrollment Form.Applicant
FRD001669—Creditnet Enrollment Form.Applicant
FRD001670—Creditnet Enrollment Form.Applicant
FRD001671—Creditnet Enrollment Form.Applicant
FRD001672—Creditnet Enrollment Form.Applicant
FRD001673—Creditnet Enrollment Form.Applicant
FRD001674—Creditnet Enrollment Form.Applicant
FRD001675—CreditnetEnrollment Form.Applicant
FRD001676—Creditnet Enrollment Form.Applicant
FRD001677—Creditnet Enrollment Form.Applicant
FRD001678—Creditnet Enrollment Form.Applicant
FRD001679—Creditnet Enrollment Form.Applicant
FRD001680—Creditnet Enrollment Form.Applicant
FRD001681—Creditnet Enrollment Form.Applicant
FRD001682—Creditnet Enrollment Form.Applicant
FRD001683—Creditnet Enrollment Form.Applicant
FRD001684—Creditnet Enrollment Form.Applicant
FRD001685—Creditnet Enrollment Form.Applicant
FRD001686—Creditnet Enrollment Form.Applicant
FRD001687—Creditnet Enrollment Form.Applicant
FRD001688—Creditnet Enrollment Form.Applicant
FRD001689—CreditnetEnrollment Form.Applicant
FRD001690—Creditnet Enrollment Form.Applicant
FRD001691—Creditnet Enrollment Form.Applicant
FRD001692—Dealer Info. Re: Cisco Ford Inc.Applicant
FRD001693—Creditnet Enrollment Form.Applicant
FRD001694—Creditnet Enrollment Form.Applicant
FRD001695—Creditnet Enrollment Form.Applicant
FRD001696—Creditnet Enrollment Form.Applicant
FRD001697—Creditnet Enrollment Form.Applicant
FRD001698—Creditnet Enrollment Form.Applicant
FRD001699—Creditnet Enrollment Form.Applicant
FRD001700—Memo from Ford Motor Credit Co. to A. Wagner.Applicant
FRD001701—Creditnet Enrollment Form.Applicant
FRD001702—Two Way Memo to A. Wagner.Applicant
FRD001703—Creditnet Enrollment Form.Applicant
FRD001704—Creditnet Enrollment Form.Applicant
FRD001705—Two Way Memo to A. Wagner.Applicant
FRD001706—Creditnet Enrollment Form.Applicant
FRD001707—Creditnet Enrollment Form.Applicant
FRD001708—Creditnet Enrollment Form.Applicant
FRD001709—Creditnet Enrollment Form.Applicant
FRD001710—Creditnet Enrollment Form.Applicant
FRD001711—Creditnet Enrollment Form.Applicant
FRD001712—Creditnet Enrollment Form.Applicant
FRD001713—Creditnet Enrollment Form.Applicant
FRD001714—Creditnet Enrollment Form.Applicant
FRD001715—Creditnet Enrollment Form.Applicant
FRD001716—Creditnet Enrollment Form.Applicant
FRD001717—Creditnet Enrollment Form.Applicant
FRD001718—Creditnet Enrollment Form.Applicant
FRD001719—Creditnet Enrollment Form.Applicant
FRD001720—Creditnet Enrollment Form.Applicant
FRD001721—Fax Cover Sheet to L. Adamus.Applicant
FRD001722—Memo to A. Wagner.Applicant
FRD001723—Creditnet Enrollment Form.Applicant
FRD001724—Memo to Dearman Ford.Applicant
FRD001725—Creditnet Enrollment Form.Applicant
FRD001726—Two Way Memo to L. Adamus.Applicant
FRD001727—Creditnet Enrollment Form.Applicant
FRD001728—Creditnet Enrollment Form.Applicant
FRD001729—Dealer Buyout, Prior William Mizell.Applicant
FRD001730—Creditnet Enrollment Form.Applicant
FRD001731—Creditnet Enrollment Form.Applicant
FRD001732—Creditnet Enrollment Form.Applicant
FRD001733—Creditnet Enrollment Form.Applicant
FRD001734—Creditnet Enrollment Form.Applicant
FRD001735—Memo From Ford Motor Credit Co. to L. Adamus.Applicant
FRD001736—Creditnet Enrollment Form.Applicant
FRD001737—Creditnet Enrollment Form.Applicant
FRD001738—Creditnet Enrollment Form.Applicant
FRD001739—Creditnet Enrollment Form.Applicant
FRD001740—Memo from Ford Motor Credit Co. to M. Kozel.Applicant
FRD001741—Creditnet Enrollment Form.Applicant
FRD001742—Creditnet Enrollment Form.Applicant
FRD001743—Creditnet Enrollment Form.Applicant
FRD001744—Creditnet Enrollment Form.Applicant
FRD001745—Hand written notes.Applicant
FRD001746—Creditnet Enrollment Form.Applicant
FRD001747—Creditnet Enrollment Form.Applicant
FRD001748—Creditnet Enrollment Form.Applicant
FRD001749—Creditnet Enrollment Form.Applicant
FRD001750—Creditnet Enrollment Form.Applicant
FRD001751—Creditnet Enrollment Form.Applicant
FRD001752—Hand written notes.Applicant
FRD001753—Creditnet Enrollment Form.Applicant
FRD001754—Creditnet Enrollment Form.Applicant
FRD001755—Creditnet Enrollment Form.Applicant
FRD001756—Creditnet Enrollment Form.Applicant
FRD001757—Hand written notes.Applicant
FRD001758—Creditnet Enrollment Form.Applicant
FRD001759—Creditnet Enrollment Form.Applicant
FRD001760—Hand written notes.Applicant
FRD001761—Creditnet Enrollment Form.Applicant
FRD001762—Creditnet Enrollment Form.Applicant
FRd001763—Hand written notes.Applicant
FRD001764—Creditnet Enrollment Form.Applicant
FRD001765—Creditnet Enrollment Form.Applicant
FRD001766—Hand written notes.Applicant
FRD001767—Creditnet Enrollment Form.Applicant
FRD001768—Creditnet Enrollment Form.Applicant
FRD001769—Creditnet Enrollment Form.Applicant
FRD001770—Creditnet Enrollment Form.Applicant
FRD001771—Creditnet Enrollment Form.Applicant
FRD001772—Creditnet Enrollment Form.Applicant
FRD001773—Creditnet Enrollment Form.Applicant
FRD001774—Hand written note.Applicant
FRD001775—Hand written letter to Mr. Chadwick.Applicant
FRD001776—Creditnet Enrollment Form.Applicant
FRD001777—Creditnet Enrollment Form.Applicant
FRD001778—Corres from Ford Motor Credit Co. to Mr. Chadwick.Applicant
FRD001779—Creditnet Enrollment Form.Applicant
FRD001780—Creditnet Enrollment Form.Applicant
FRD001781—Creditnet Enrollment Form.Applicant
FRD001782—Creditnet Enrollment Form.Applicant
FRD001783—Creditnet Enrollment Form.Applicant
FRD001784—Creditnet Enrollment Form.Applicant
FRD001785—Creditnet Enrollment Form.Applicant
FRD001786—Creditnet Enrollment Form.Applicant
FRD001787—Hand written notes from S. Charles.Applicant
FRD001788—Document cover sheet.Applicant
FRD001789—Creditnet Enrollment Form.Applicant
FRD001790—Hand written notes from S. Charles.Applicant
FRD001791—Creditnet Enrollment Form.Applicant
FRD001792—Creditnet Enrollment Form.Applicant
FRD001793—Creditnet Enrollment Form.Applicant
FRD001794—Creditnet Enrollment Form.Applicant
FRD001795—Creditnet Enrollment Form.Applicant
FRD001796—Creditnet Enrollment Form.Applicant
FRD001797—Creditnet Enrollment Form.Applicant
FRD001798—Creditnet Enrollment Form.Applicant
FRD001799—Creditnet Enrollment Form.Applicant
FRD001800—Creditnet Enrollment Form.Applicant
FRD001801—Creditnet Enrollment Form.Applicant
FRD001802—Creditnet Enrollment Form.Applicant
FRD001803—Creditnet Enrollment Form.Applicant
FRD001804—Creditnet Enrollment Form.Applicant
FRD001805—Creditnet Enrollment Form.Applicant
FRD001806—Creditnet Enrollment Form.Applicant
FRD001807—Creditnet Enrollment Form.Applicant
FRD001808—Two way memo to A. Wagner.Applicant
FRD001809—Hand written notes from L. Woodward.Applicant
FRD001810—Creditnet Enrollment Form.Applicant
FRD001811—Creditnet Enrollment Form.Applicant
FRD001812—Creditnet Enrollment Form.Applicant
FRD001813—Creditnet Enrollment Form.Applicant
FRD0018144—Creditnet Enrollment Form.Applicant
FRD001815—Creditnet Enrollment Form.Applicant
FRD001816—Creditnet Enrollment Form.Applicant
FRD001817—Creditnet Enrollment Form.Applicant
FRD001818—Creditnet Enrollment Form.Applicant
FRD001819—Creditnet Enrollment Form.Applicant
FRD001820—Creditnet Enrollment Form.Applicant
FRD001821—Memo to Mr. Wagner.Applicant
FRD001822—Creditnet Enrollment Form.Applicant
FRD001823—Memo from COIN Dealership.Applicant
FRD001824—Creditnet Enrollment Form.Applicant
FRD001825—Memo to J. Chadwick.Applicant
FRD001826—Creditnet Enrollment Form.Applicant
FRD001827—Creditnet Enrollment Form.Applicant
FRD001828—Memo to G. Krucek.Applicant
FRD001829—Creditnet Enrollment Form.Applicant
FRD001830—Creditnet Enrollment Form.Applicant
FRD001831—Creditnet Enrollment Form.Applicant
FRD001832—Creditnet Enrollment Form.Applicant
FRD001833—Creditnet Enrollment Form.Applicant
FRD001834—Creditnet Enrollment Form.Applicant
FRD001835—Creditnet Enrollment Form.Applicant
FRD001836—Creditnet Enrollment Form.Applicant
FRD001837—Creditnet Enrollment Form.Applicant
FRD001838—Creditnet Enrollment Form.Applicant
FRD001839—Memo to L. Adamus.Applicant
FRD001840—Creditnet Enrollment Form.Applicant
FRD001841—Creditnet Enrollment Form.Applicant
FRD001842—Total Active Dealers by Region.Applicant
FRD001843—Creditnet Enrollment Form.Applicant
FRD001844—Creditnet Enrollment Form.Applicant
FRD001845—Creditnet Enrollment Form.Applicant
FRD001846—Creditnet Enrollment Form.Applicant
FRD001847—Creditnet Enrollment Form.Applicant
FRD001848—Fax Cover from COIN Dealership.Applicant
FRD001849—Creditnet Enrollment Form.Applicant
FRD001850—Creditnet Enrollment Form.Applicant
FRD001851—Creditnet Enrollment Form.Applicant
FRD001852—Creditnet Enrollment Form.Applicant
FRD001853—Creditnet Enrollment Form.Applicant
FRD001854—Creditnet Enrollment Form.Applicant
FRD001855—Creditnet Enrollment Form.Applicant
FRD001856—Creditnet Enrollment Form.Applicant
FRD001857—Creditnet Enrollment Form.Applicant
FRD001858—Creditnet Enrollment Form.Applicant
FRD001859—Creditnet Enrollment Form.Applicant
FRD001860—Memo to G. Kruczek.Applicant
FRD001861—Creditnet Enrollment Form.Applicant
FRD001862—Creditnet Enrollment Form.Applicant
FRD001863—Memo to G. Kruczek.Applicant
FRD001864—Creditnet Enrollment Form.Applicant
FRD001865—Jan. 8, 1992 fax transmission cover sheet to Linda from R. Moore.Applicant
FRD001866—Creditnet Enrollment Form.Applicant
FRD001867-FRD001869—Creditnet Enrollment Form—Town & Country Ford.Applicant
FRD001870-FRD001871—Creditnet Enrollment Form—Bill Hood Ford.Applicant
FRD001872-FRD001873—Creditnet Enrollment Form—Danny Belyeu Ford-Lincoln-Mercury.Applicant
FRD001874—Creditnet Enrollment Form—Sunrise Olds-Toyota Inc.Applicant
FRD001875-FRD01876—Creditnet Enrollment Form—Griffin Ford Lincoln Mercury Inc.Applicant
FRD001877-FRD001878—Creditnet Enrollment Form—Hayden Royan Inc. DBA Flamingo Ford.Applicant
FRD001879—Creditnet Enrollment Form—Highlife Ford Inc. DBA Sunshine Ford.Applicant
FRD001880—Creditnet Enrollment Form—Baugh Ford-Mercury Inc.Applicant
FRD001881—Creditnet Enrollment Form—Havana Ford, Inc.Applicant
FRD001882—Creditnet Enrollment Form—Gatorland Motor Company d/b/a Gatorland Toyota.Applicant
FRD001883-FRD001884—Creditnet Enrollment Form -Gatorland Motor Company d/b/a Gatorland Toyota.Applicant
FRD001885—Creditnet Enrollment Form—Maroone Auto Plaza.Applicant
FRD001886-FRD001887—Creditnet Enrollment Form—Deland Toyota.Applicant
FRD001888-FRD001891—Creditnet Enrollment Form—Hollywood Ford.Applicant
FRD001892—Creditnet Enrollment Form -VIP Lincoln Mercury.Applicant
FRD001893—Creditnet Enrollment Form—Quitman Motor Co. Inc.Applicant
FRD001894—Creditnet Enrollment Form.Applicant
FRD001895—Creditnet Enrollment Form.Applicant
FRD001896-FRD001897—Creditnet Enrollment Form—Grubbs Ford Lincoln Mercury Inc.Applicant
FRD001898—Creditnet Enrollment Form -Palatka Ford Mercury Inc.Applicant
FRD001899—Creditnet Enrollment Form—Faircloth Ford, Inc.Applicant
FRD001900—Creditnet Enrollment Form—Tropical Ford Inc.Applicant
FRD001901—Creditnet Enrollment Form—Cliff Motor Co. Inc.Applicant
FRD001902—Creditnet Enrollment Form—Cazenave Motor Co., Inc.Applicant
FRD001903—Creditnet Enrollment Form—Wayne Ford Inc.Applicant
FRD001904—Creditnet Enrollment Form—Harold Skinner Ford-Merc Inc.Applicant
FRD001905—Creditnet Enrollment Form.Applicant
FRD001906—Creditnet Enrollment Form.Applicant
FRD001907—Creditnet Enrollment Form.Applicant
FRD001908-FRD001911.Applicant
FRD001912—Creditnet Enrollment Form.Applicant
FRD001913—Creditnet Enrollment Form.Applicant
FRD001914—Creditnet Enrollment Form.Applicant
FRD001915—Creditnet Enrollment Form.Applicant
FRD001916—Creditnet Enrollment Form.Applicant
FRD001917-FRD001918—Creditnet Enrollment Form.Applicant
FRD001919—Creditnet Enrollment Form.Applicant
FRD001920—Creditnet Enrollment Form.Applicant
FRD001921—Creditnet Enrollment Form.Applicant
FRD001922-FRD001923—Creditnet Enrollment Form.Applicant
FRD001924—Creditnet Enrollment Form.Applicant
FRD001925—Creditnet Enrollment Form.Applicant
FRD001926—Creditnet Enrollment Form.Applicant
FRD001927—Creditnet Enrollment Form.Applicant
FRD001928—Creditnet Enrollment Form.Applicant
FRD001929—Creditnet Enrollment Form.Applicant
FRD001930—Creditnet Enrollment Form.Applicant
FRD001931-FRD001935—Creditnet Enrollment Form.Applicant
FRD001936—Creditnet Enrollment Form.Applicant
FRD001937—Creditnet Enrollment Form.Applicant
FRD001939—Creditnet Enrollment Form.Applicant
FRD001941—Creditnet Enrollment Form.Applicant
FRD001942—Creditnet Enrollment Form.Applicant
FRD001943—Creditnet Enrollment Form.Applicant
FRD001944—Creditnet Enrollment Form.Applicant
FRD001945—Creditnet Enrollment Form.Applicant
FRD001947—Creditnet Enrollment Form.Applicant
FRD001948—Creditnet Enrollment Form.Applicant
FRD001949—Creditnet Enrollment Form.Applicant
FRD001951—Creditnet Enrollment Form.Applicant
FRD001953—Creditnet Enrollment Form.Applicant
FRD001954—Creditnet Enrollment Form.Applicant
FRD001955—Creditnet Enrollment Form.Applicant
FRD001956—Creditnet Enrollment Form.Applicant
FRD001958—Creditnet Enrollment Form.Applicant
FRD001960—Creditnet Enrollment Form.Applicant
FRD001964—Creditnet Enrollment Form.Applicant
FRD001965—Creditnet Enrollment Form.Applicant
FRD001967—Creditnet Enrollment Form.Applicant
FRD001968—Creditnet Enrollment Form.Applicant
FRD001969—Creditnet Enrollment Form.Applicant
FRD001970—Creditnet Enrollment Form.Applicant
FRD001971—Creditnet Enrollment Form.Applicant
FRD001972—Creditnet Enrollment Form.Applicant
FRD001973—Creditnet Enrollment Form.Applicant
FRD001974—Creditnet Enrollment Form.Applicant
FRD001975—Creditnet Enrollment Form.Applicant
FRD001976—Creditnet Enrollment Form—Bill Elliott Ford Merc.Applicant
FRD001977—Creditnet Enrollment Form—J.Williams Nissan.Applicant
FRD001978—Creditnet Enrollment Form—Jim Skinner Honda.Applicant
FRD001979—Creditnet Enrollment Form—Interstate Ford Inc.Applicant
FRD001980—Creditnet Enrollment Form—Sylvania Ford Mercury, Inc.Applicant
FRD001981—Creditnet Enrollment Form—Bev Smith Ford.Applicant
FRD001982—Creditnet Enrollment Form—Bev Smith Ford.Applicant
FRD001984—Creditnet Enrollment Form—Stadcom Lincoln Mercury.Applicant
FRD001986—Creditnet Enrollment Form—Frontier Ford L/M.Applicant
FRD001988—Creditnet Enrollment Form—Brumfield Motors Inc.Applicant
FRD001989—Creditnet Enrollment Form—Woody Anderson Ford.Applicant
FRD001990—Creditnet Enrollment Form—Hollywood Lincoln Mercury.Applicant
FRD001992—Creditnet Enrollment Form·Fort Myers Lincoln Mercury.Applicant
FRD001993—Creditnet Enrollment Form—Bondys Ford.Applicant
FRD001994—Creditnet Enrollment Form—Potamkin Toyota.Applicant
FRD001996—Creditnet Enrollment Form—Kirby Ford.Applicant
FRD001997—Creditnet Enrollment Form—Graham Chrysler Plymouth, Inc.Applicant
FRD001998—Two Way Memo re: T&J Ford, Inc.Applicant
FRD001999—Creditnet Enrollment Form—Jacky Jones Ford.Applicant
FRD002001—Creditnet Enrollment Form—Wayne Akers Ford Inc.Applicant
FRD002002—Creditnet Enrollment Form—Jim Quinlan Chevrolet.Applicant
FRD002003—Creditnet Enrollment Form—Shetler-Corley Ford, Inc.Applicant
FRD002005—Creditnet Enrollment Form—Bartow Ford Company.Applicant
FRD002006—Jul. 27, 1992 Interoffice Memo re: Bartow Ford Co.Applicant
FRD0020070—Creditnet Enrollment Form—Terry Ford.Applicant
FRD002008—Creditnet Enrollment Form—All Star Dodge-Isuzu.Applicant
FRD002010—Creditnet Enrollment Form—Paul James Ford.Applicant
FRD002011—Creditnet Enrollment Form—Gateway Motor Inc.Applicant
FRD002012—Creditnet Enrollment Form—Beaty Ford, Inc.Applicant
FRD002013—Creditnet Enrollment Form—Lakes Lincoln-Mercury, Inc.Applicant
FRD002014—Creditnet Enrollment Form—Jul. 8, 1993 memo to AJ Wagner re: Lakes Lincoln Mercury.Applicant
FRD002015—Creditnet Enrollment Form -Scarbrough Motors.Applicant
FRD002016—Creditnet Enrollment Form—Palmetto Ford.Applicant
FRD002018—Creditnet Enrollment Form—Capital Lincoln-Mercury.Applicant
FRD002020—Creditnet Enrollment Form—Dennis Fronrath Chevrolet, Inc.Applicant
FRD002021—Creditnet Enrollment Form—Sam Galloway Ford.Applicant
FRD002022—Creditnet Enrollment Form—Supreme Olds-GMC, Chrysler Ply.Applicant
FRD002023—Creditnet Enrollment Form—North Palm L/M.Applicant
FRD002025—Creditnet Enrollment Form—North Palm Lincoln Mercury.Applicant
FRD002026—Creditnet Enrollment Form—Jacky Jones Ford of Blue Ridge.Applicant
FRD002027—Creditnet Enrollment Form—Cain Ford Lincoln Mercury.Applicant
FRD002028—Creditnet Enrollment Form—Warren Wooten Ford.Applicant
FRD002029—Creditnet Enrollment Form—Williams Automotive Inc. DBA Williams Mazda.Applicant
FRD002030—Creditnet Enrollment Form—Head Ford Mercury Lincoln Inc.Applicant
FRD002031—Creditnet Enrollment Form—Johnson Ford Sales Inc.Applicant
FRD002032—Creditnet Enrollment Form—Maroone Dodge, Inc.Applicant
FRD002033—Creditnet Enrollment Form—Jim Blackman.Applicant
FRD002034—Creditnet Enrollment Form—Dub Herring Ford Inc.Applicant
FRD002035—Creditnet Enrollment Form—Dub Herring Ford Inc.Applicant
FRD002036—Creditnet Enrollment Form—Lakes Lincoln-Mercury, Inc.Applicant
FRD002037—Creditnet Enrollment Form—Hab Ford.Applicant
FRD002038—Creditnet Enrollment Form—Black-Jack Inc. DBA Gary Smith Honda.Applicant
FRD002039—Creditnet Enrollment Form—Stuard Ford Lincoln Mercury Partners.Applicant
FRD002040—Creditnet Enrollment Form—Tom W. Carter Lincoln-Mercury, Inc.Applicant
FRD002041—Creditnet Enrollment Form—M.L. Husbands Ford Inc.Applicant
FRD002042—Creditnet Enrollment Form—Searritt Motors.Applicant
FRD002043—Creditnet Enrollment Form—Newport Lincoln-Mercury.Applicant
FRD002044—Creditnet Enrollment Form—Marshall Bros. Lincoln Mercury.Applicant
FRD002047—Creditnet Enrollment Form—Hardy Chev-Geo.Applicant
FRD002048—Creditnet Enrollment Form—Butler Ford Mercury, Inc.Applicant
FRD002049—Creditnet Enrollment Form—Troy Ford Sales Inc.Applicant
FRD002051—Creditnet Enrollment Form—Shetler Lincoln Mercury Ltd.Applicant
FRD002053—Creditnet Enrollment Form—Kirk Auto Co.Applicant
FRD002054—Creditnet Enrollment Form—Tampa Honda Land.Applicant
FRD002055—Creditnet Enrollment Form—Resort Ford, Inc.Applicant
FRD002056—Creditnet Enrollment Form—Far of AL DBA Auburn Mazda.Applicant
FRD002057—Creditnet Enrollment Form—Haralson Ford Company.Applicant
FRD002058—Creditnet Enrollment Form—Alex Karras Lin-Mer.Applicant
FRD002059—Blank Sheet.Applicant
FRD002060—Creditnet Enrollment Form—Sapp Ford Co.Applicant
FRD002061—Creditnet Enrollment Form—McGarily Ford Inc.Applicant
FRD002062—Creditnet Enrollment Form -Gurdon Ford Inc.Applicant
FRD002063—Creditnet Enrollment Form—Noxubee Ford, Inc.Applicant
FRD002064—Creditnet Enrollment Form—Duval Acura At Regency.Applicant
FRD002065—Creditnet Enrollment Form—Freeway Ford, Inc.Applicant
FRD002066—Creditnet Enrollment Form—Germano Toyota.Applicant
FRD002067—Creditnet Enrollment Form—Gary Fronrath Chevrolet.Applicant
FRD002068—Creditnet Enrollment Form—Don Shetler Ford, Inc.Applicant
FRD002070—Creditnet Enrollment Form—Menten Motors, Inc. dba Chrysler Plymouth and Jeep Eagle.Applicant
FRD002071—Creditnet Enrollment Form—Gibbs Ford Mercury, Inc.Applicant
FRD002072—Creditnet Enrollment Form—Efird Ford Inc.Applicant
FRD002073—Creditnet Enrollment Form—Wansley Motor Company, Inc.Applicant
FRD002074—Creditnet Enrollment Form—Kelly Ford, Inc.Applicant
FRD002075—Creditnet Enrollment Form—Bob Wade Ford Inc.Applicant
FRD002076—Creditnet Enrollment Form—Superior Ford.Applicant
FRD002078—Creditnet Enrollment Form—Bordelon Motors, Inc.Applicant
FRD002080—Creditnet Enrollment Form—Legacy Ford-Mercury, Inc.Applicant
FRD002081—Creditnet Enrollment Form—Stadium Lincoln Mercury.Applicant
FRD002082—Creditnet Enrollment Form—Delray Lincoln Mercury.Applicant
FRD002085—Creditnet Enrollment Form—Jim Quinlan Ford.Applicant
FRD002086—Creditnet Enrollment Form—Vickery-Chevrolet-Olds Co.Applicant
FRD002087—Creditnet Enrollment Form—Luke Bolton Ford.Applicant
FRD002088—Creditnet Enrollment Form—Premiuer Ford Lincoln-Mercury.Applicant
FRD002090—Creditnet Enrollment Form—Ward S. Taylor.Applicant
FRD002091—Credinet Enrollment Form—D.C. Welch Ford Lincoln Mercury Inc.Applicant
FRD002093—Creditnet Enrollment Form—Montezuma Motor Co.Applicant
FRD002096—Creditnet Enrollment Form—Superior Ford.Applicant
FRD002098—Creditnet Enrollment Form—McGarily Ford Inc.Applicant
FRD002100—Creditnet Enrollment Form—Resort Motors.Applicant
FRD002101—Creditnet Enrollment Form—Murphy-Graham, Inc.Applicant
FRD002102—Creditnet Enrollment Form—North Point Mazda.Applicant
FRD002105—Creditnet Enrollment Form—Tim Kratzer.Applicant
FRD002106—Creditnet Enrollment Form.Applicant
FRD002107—Creditnet Enrollment Form—Kelly Lincoln Mercury.Applicant
FRD002108—Creditnet Enrollment Form—Kelly Lincoln Mercury.Applicant
FRD002109—Creditnet Enrollment Form—Gateway Ford Mercury Inc.Applicant
FRD002110—Creditnet Enrollment Form—Paul West Mitsubishi.Applicant
FRD002111—Creditnet Enrollment Form—Duval Honda.Applicant
RTC000001—Coinlink.Applicant
RTC000002—Coinlink Flowchart and description.Applicant
RTC000019—Sheet indicating Doc. Nos. were not used RTC 19-28.Applicant
RTC000029—Coinlink/Dealerships/Finance Sources features.Applicant
RTC000032—Handwritten Notes To Be Resolved.Applicant
RTC000038—Oct. 20, 1987 Memo to Sam Smail from Valerine Cline re: Coinlink equipment loan acknowledgement.Applicant
RTC000040—Site Prep/Pilot Implementation.Applicant
RTC000042—Coinlink Pilot Implementation.Applicant
RTC000044—System Administrator's Installation Guide.Applicant
RTC000047—Electrical Contractors Installation Guide.Applicant
RTC000050—CoAmerica file folder label.Applicant
RTC000051—Comerica@coin May 7, 1987 notes.Applicant
RTC000056—Lender Market Research.Applicant
RTC000059—Coinlink Lender Survey.Applicant
RTC000071—Coinlink Network Inc. Technical Specifications Manual—Overview.Applicant
RTC000120—Metro-teller Indirect Application Master Data Definition.Applicant
RTC000126—Coinlink Network Inc. Technical Specifications Manual Message formats.Applicant
RTC000188—Presentations file folder label.Applicant
RTC000189—Notes—goals of presentation.Applicant
RTC000197—Notes—VP commercial loans.Applicant
RTC000204—Network Presentation Shot Sheet Feb. 10, 1987.Applicant
RTC000205—The Network/Empire Bank Dec. 9, 1986.Applicant
RTC000212—Narrative of Empire Bank.Applicant
RTC000213—Mar. 9, 1988 Coinlink Manufacturing/Operations Part VI.Applicant
RTC000222—Overview Business Mission.Applicant
RTC000229—Jun. 23, 1988 memo re: CBA conference Sep. 25-28, 1988.Applicant
RTC000230—Program At A Glance.Applicant
RTC000232—Project Management file folder label.Applicant
RTC000233—Coinlink Project—May 1, 1989.Applicant
RTC000255—Feb. 17, 1989 memo to Fran Kooden from Valerie Cline re: status codes from lenders.Applicant
RTC000257—Features of Coinlink.Applicant
RTC000261—Trainer's training Friday, Jan. 22.Applicant
RTC000265—Bank Network News Article—Metroteller: Shifting Gears to Loan Networking.Applicant
RTC000267—Feb. 16, 1988 article in The Atlanta Constitution—Electronic network links car dealers, lenders.Applicant
RTC000268—Dec. 12, 1986 Notes.Applicant
RTC000279—Coinlink Status Log.Applicant
RTC000284—CB&T Notes Nov. 9, 1988.Applicant
RTC000290—Coinlink Letter dated Jun. 28, 1988 to Bob Divine.Applicant
RTC000292—Coinlink Feature/Benefit Analysis Dec. 7, 1987.Applicant
RTC000304—Coin news article—Coinlink to change way auto loans are approved.Applicant
RTC000307—Coin news article—Application Manager.Applicant
RTC000309—Coin business card for Diane Bates.Applicant
RTC000310—Coinlink Functional Specification Feb. 1988.Applicant
RTC000321—Gateway Terminal Functional Specifications Jun. 17, 1988.Applicant
RTC000324—Dealer Systems.Applicant
RTC000353—Jun. 29, 1988 Memo to John Hiemstra & Jim Javors re: ILS/Coinlink Gateway Terminal.Applicant
RTC000357—Coinlink Flowchart/features/pictures.Applicant
RTC000458—Apr. 20, 1988 memo to Richard Calmes from Jim Kiernicki re: Coinlink leads.Applicant
RTC000460—Coinlink Functional Specification.Applicant
RTC000473—Mar. 21, 1988 Letter to Metroteller Systems Inc. from Coin.Applicant
RTC000476—Software info/Dealer flow charts.Applicant
RTC000618—Dealer Market [Coinlink] Notes.Applicant
RTC000628—Notes 2/12—Empire-Metro Teller.Applicant
RTC00639—Product Development Needs.Applicant
RTC000643—Notes Mar. 28, 1988—Coinlink Auto/Banking.Applicant
RTC000647—Agreement Aug. 28, 1987.Applicant
RTC000655—Coinlink network functions—overview.Applicant
RTC000657—Coinlink Feature/Benefit Analysis updated Dec. 7, 1987.Applicant
RTC000670—Jul. 13, 1987 Comerica letter to Mark Singleton, Coin.Applicant
RTC000673—May 22, 1987 Comerica letter to Mark Singleton attaching confidentiality agreement.Applicant
RTC000680—Business cards.Applicant
RTC000682—Jul. 1986 Public Network Rate Schedule.Applicant
RTC000696—Oct. 7, 1988 letter to Thomas E. Kress.Applicant
RTC000699—NFADA Dealership Pilot Agreement Outline.Applicant
RTC000702—Data Communications Service Agreement.Applicant
RTC00717—Dec. 22, 1986 Agreement.Applicant
RTC000803—Magazine articles.Applicant
RTC000814—Bank Network News Feb. 10, 1988 article.Applicant
RTC000816—Automotive News Feb. 8, 1988 article.Applicant
RTC000817—The Coin Story.Applicant
RTC000819—Various articles.Applicant
RTC000829—The Coin Proposal.Applicant
RTC000857—Son of Chrysler Pres. File folder label.Applicant
RTC000860—Coinlink Gateway Terminal Specifications Jul. 7, 1988.Applicant
RTC000884—Network World Articles Mar. 6, 1989.Applicant
RTC000889—Dealership Open Systems Coalition May 1993.Applicant
RTC000935—Coinlink Flow Charts, articles.Applicant
RTC000950—Black box file folder label.Applicant
RTC000951—V link project 8/28.Applicant
RTC000955—Coinlink file folder label.Applicant
RTC000956—Menus for Coinlink dated Jul. 1, 1987.Applicant
RTC000960—Sep. 17, 1987 letter toJ. Harold Middleton from Coin.Applicant
RTC000962—Directions to Fulton Federal dated Sep. 15, 1987.Applicant
RTC000963—Sep. 2, 1987 Existing itmes on to do list.Applicant
RTC000965—Jul. 7, 1987 Status Report on Coinlink.Applicant
RTC000975—Jul. 2, 1987 Notes.Applicant
RTC000976—Jun. 26, 1987 Notes.Applicant
RTC000977—Jun. 24, 1987 Beta Test Sites for Coinlink.Applicant
RTC000980—Project Mangement file folder label.Applicant
RTC000981—Tentative agenda for next NFADA meeting.Applicant
RTC000983—Feb. 17, 1989 memo re: lease application fields.Applicant
RTC000985—Feb. 17, 1989 memo re: status codes from lenders.Applicant
RTC000987—Feb. 17, 1989 memo re: lease application fields.Applicant
RTC000991—Note Feb. 17, 1989.Applicant
RTC000992—Mar. 6, 1989 Memo re: Dealer Visits, Mar. 1-3.Applicant
RTC000994—Dec. 15, .sub.—Notes.Applicant
RTC000995—Chart.Applicant
RTC000996—Coinlink Project Status Report Mar. 28, 1988.Applicant
RTC001002—Notes.Applicant
RTC001008—Meetings in Buffalo—tentative itinerary for New York trip as of Nov. 1, 1988.Applicant
RTC001009—Coinlink Project Status Report Mar. 28, 1988.Applicant
RTC001015—Coinlink Project Management Plan, dated Feb. 1988.Applicant
RTC001023—Deadlines for Coinlink, dated Sep. 3, 1987.Applicant
RTC001025—Subfile folder entitled “Status Log”.Applicant
RTC001026—Status Log.Applicant
RTC001027—Subfile folder entitled “Tech Specs & Tech Issues”.Applicant
RTC001028—Draft letter dated Feb. 2, 1989 to Susan from Valerie.Applicant
RTC001029—Subfile folder entitled “Host Systems Coinlink Functionals Specs.”Applicant
RTC001030—Coinlink Functional Descriptions.Applicant
RTC001032—Subfile folder entitled “For The COIN Dealership”.Applicant
RTC001033—Advertisement For the COIN Dealership.Applicant
RTC001034—Advertisement For the COIN Dealership.Applicant
RTC001035—Subfile folder entitled “Description”.Applicant
RTC001036—Advertisement For the Lender.Applicant
RTC001037—Subfile folder entitled “COINLink Diagram”.Applicant
RTC001038—COINLink Automated Credit Approval.Applicant
RTC001039—COINLink Dealers.Applicant
RTC001040—Chart.Applicant
RTC001044—COINLink Worst Case Scenario Chart.Applicant
RTC001056—COINLink Best Case Scenario Chart.Applicant
RTC001056—Notes.Applicant
RTC001062—Notes.Applicant
RTC001065—Notes—Primary Market Entry.Applicant
RTC001066—Notes.Applicant
RTC001067—Notes.Applicant
RTC001068—Miscellaneous.Applicant
RTC001087—Chart—Coin Customers.Applicant
RTC001089—Chart.Applicant
RTC001090—Chart.Applicant
RTC001091—Chart.Applicant
RTC001104—Chart—GM Dealers.Applicant
RTC001110—Chart—Ford Dealers.Applicant
RTC00114—Chart—MW—Dealers.Applicant
RTC001118—Chart—MW/GM Dealers.Applicant
RTC001120—Chart—MW/Ford Dealers.Applicant
RTC001121—Chart—MW Dealers.Applicant
RTC001122—Chart—Total SE—Dealers.Applicant
RTC001125—Chart—SE—Coin Dealers.Applicant
RTC001126—Chart—SE—COINLink Dealers.Applicant
RTC001127—Chart—SE—GM Dealers.Applicant
RTC001129—Chart—SE—Ford Dealers.Applicant
RTC001130—Chart—SE—C/P Dealers; SE—Toyota Dealers.Applicant
RTC001131—Chart—SE Dealers.Applicant
RTC001132—Chart—Northeast Region—Dealers.Applicant
RTC001135—Chart—NE—Coin Dealers.Applicant
RTC001136—Chart—NE—COINLink Dealers.Applicant
RTC001137—Chart—NE—GM—Dealers.Applicant
RTC001138—Chart—NE—Ford Dealers.Applicant
RTC001139—Chart—N.E.—Dealers.Applicant
RTC001140—Chart—NE Dealers.Applicant
RTC001141—Subfile folder entitled “Dealer Market Research”.Applicant
RTC001142—COINLink Lease Line Connections.Applicant
RTC001144—To Valerie Cline from Paul Woodworth re: COINLink Presentation.Applicant
RTC001154—Site Specific Information.Applicant
RTC001155—Site Specific Information.Applicant
RTC001156—Miscellaneous.Applicant
RTC001157—Addendum to Site Prep Form.Applicant
RTC001158—Checklists.Applicant
RTC001159—Serial Number List.Applicant
RTC001160—COINLink Automated Credit Approval System Training Confirmation Agreement.Applicant
RTC001161—Credinet Enrollment.Applicant
RTC001162—Terminal Installation Check List.Applicant
RTC001166—COIN Financial Systems, Inc. Pre-Installation Check List.Applicant
RTC001167—COIN Financial Systems, Inc. Site Preparation Check List.Applicant
RTC001168—Training Schedule.Applicant
RTC001169—Subfile folder entitled “COINLink Business Plans”.Applicant
RTC001170—COINLink Preliminary Marketing Plan.Applicant
RTC001171—Miscellaneous.Applicant
RTC001185—COINLink Network Inc. Technical Specifications Manual—Overview.Applicant
RTC001297—Subfile folder entitled “C.B. & T.”Applicant
RTC001298-RTC001303—C.B. &T. notes.Applicant
RTC001304—Fax cover sheet to B. Divine.Applicant
RTC001305-RTC001306 Corres. from COINLink to Mr. Divine.Applicant
RTC001307-RTC001308—Corres. from COINLink to Mr. Divine.Applicant
RTC001309-RTC001315—COINLink Master Agreement for Service.Applicant
RTC001316-RTC001317—Fax to B. Divine at CB&T.Applicant
RTC1318-RTC1319—Corres. from COINLink to Mr. Divine.Applicant
RTC001320—Corres. from COINLink to Mr. Divine.Applicant
RTC001321—Corres. from CB&T to P. Wills.Applicant
RTC001322-RTC001328—Proposed record layout for CBT.Applicant
RTC001329-RTC001332—System Diagram.Applicant
RTC001333—Applications.Applicant
RTC001334-RTC001339—Corres. & Occupation codes.Applicant
RTC001340-RTC0013357—Occupation codes.Applicant
RTC001358-RTC001359—Buyer & Purchase Information.Applicant
RTC001360-RTC001363—Status Log.Applicant
RTC001364-RTC001366—Contacts & Price List.Applicant
RTC001367-RTC001369—Corres. to T. Kress.Applicant
RTC001370-RTC001371—NFDA Dealership Pilot Agreement Outline.Applicant
RTC001372-RTC001374—Fax regarding revisions to S. Sterman from V. Cline.Applicant
RTC001375-RTC001377—Corres. regarding COINLink.Applicant
RTC001378-RTC001382—Corres. regarding COINLink.Applicant
RTC001383—Data Communications Service Agreement.Applicant
RTC001384—Master Agreement for COINLink Service.Applicant
RTC001385-RTC001394—Terms & Conditions.Applicant
RTC001395-RTC001396—COINLink Services Price List.Applicant
RTC001397—Discount Schedule.Applicant
RTC001398—Charter Members Discount Schedule.Applicant
RTC001399-RTC001408—Corres. regarding COINLink.Applicant
RTC001403-RTC001412—Corres. enclosing Agreement to M. Singleton from J. Wolfson.Applicant
RTC001413-RTC001431—COINLink Overheads.Applicant
RTC1431-RTC 001446—COINLink Interfaces.Applicant
RTC001447-RTC001454Comerica.Applicant
RTC001455-RTC001460—Corres. Enclosing Confidentiality Agreement.Applicant
RTC001461-RTC001462—COINLink Diagrams.Applicant
RTC001463-RTC1466—Frost & Sullivan Information Security Questionnaire.Applicant
RTC001467—Memo to S. Langdon.Applicant
RTC001468-RTC001473—Directions to Comerica Acceptance Corp. from Metro Airport, MI.Applicant
RTC001474-RTC001477—Written notes on Detroit Meeting Jun. 16, 1987.Applicant
RTC001478-RTC001479—Comerica's Agenda Jun. 16, 1987.Applicant
RTC001408-RTC1488—COINLink Diagrams.Applicant
RTC001408—Phone message.Applicant
RTC001490—Comeria's Agenda.Applicant
RTC001491-RTC001493—Written notes re: Comerica.Applicant
RTC001493—Comerica contacts.Applicant
RTC001494-RTC001529—Comerica Acceptance Corp.Applicant
RTC001530—Comerica Acceptance Corp. ALPS Project Phase 1—Loan Origination System.Applicant
RTC001531—Written notes to S. Laydon.Applicant
RTC001532-RTC001535—Comerica Communique, Apr. 1987.Applicant
RTC001536—Empire.Applicant
RTC001537—Contacts of Empire of America.Applicant
RTC001538-RTC001539—Article from The Wall Street Journal.Applicant
RTC001540—GTE Telenet Telemail Rade Schedule.Applicant
RTC001541—Written notes re: Basic Transactions for Typical Deal.Applicant
RTC001542—Written notes re: Coinsystem or Dedicated Stand Alone.Applicant
RTC001555-RTC001567—Public Network Rate Schedule.Applicant
RTC001568—Metroteller Interchange Locations.Applicant
RTC001569-RTC001582—Metroteller Update.Applicant
RTC001583-RTC001584—List of Fields.Applicant
RTC001585-RTC001587—Status Codes from Lenders.Applicant
RTC001588-RTC001590—Technical Update.Applicant
RTC001591—Update on Status of COINLink Project.Applicant
RTC001592-RTC001598—Revised Summary of Changes and Time Estimates.Applicant
RTC001599-RTC001630—COINLink Summary of Changes and Time Estimates.Applicant
RTC001631-RTC001634—COINLink Survey.Applicant
RTC001635-RTC001638—COINLink Lender Survey.Applicant
RTC0010639-RTC001642—COINLink Lender Survey.Applicant
RTC001643-RTC001646—COINLink Lender Survey.Applicant
RTC001647-RTC001650—COINLink Lender Survey.Applicant
RTC001651-RTC001654—COINLink Lender Survey.Applicant
RTC001655-RTC001658—COINLink Lender Survey.Applicant
RTC001659-RTC001662—COINLink Lender Survey.Applicant
RTC001663-RTC001666—COINLink Lender Survey.Applicant
RTC001667-RTC001670—COINLink Lender Survey.Applicant
RTC001671-RTC001001674—COINLink Lender Survey.Applicant
RTC001675-RTC001678—COINLink Lender Survey.Applicant
RTC001679-RTC001682—COINLink Lender Survey.Applicant
RTC001683-RTC001686—COINLink Lender Survey.Applicant
RTC001687-RTC001690—COINLink Lender Survey.Applicant
RTC001691-RTC001694—COINLink Lender Survey.Applicant
RTC001695-RTC001698—COINLink Lender Survey.Applicant
RTC001699-RTC001702—COINLink Lender Survey.Applicant
RTC001703-RTC001706—COINLink Lender Survey.Applicant
RTC001707-RTC001710—COINLink Lender Survey.Applicant
RTC001711-RTC001714—COINLink Lender Survey.Applicant
RTC001715-RTC0718—COINLink Lender Survey.Applicant
RTC001719-RTC001722—COINLink Lender Survey.Applicant
RTC001723-RTC001726—COINLink Lender Survey.Applicant
RTC001727-RTC001730—COINLink Lender Survey.Applicant
RTC001731-RTC001734—COINLink Lender Survey.Applicant
RTC001735-RTC001738—COINLink Lender Survey.Applicant
RTC001739-RTC001742—COINLink Lender Survey.Applicant
RTC001743-RTC001744—COINLink Lender Survey.Applicant
RTC001746-RTC001749—COINLink Survey.Applicant
RTC001750-RTC001753—COINLink Lender Survey.Applicant
RTC001754-RTC001757—COINLink Lender Survey.Applicant
RTC001758-RTC001761—COINLink Lender Survey.Applicant
RTC001762-RTC001765—COINLink Lender Survey.Applicant
RTC001766-RTC001769—COINLink Lender Survey.Applicant
RTC001770-RTC001773—COINLink Lender Survey.Applicant
RTC001774-RTC001777—COINLink Lender Survey.Applicant
RTC001778-RTC001781—COINLink Lender Survey.Applicant
RTC001782-RTC001785—COINLink Lender Survey.Applicant
RTC001786-RTC001789—COINLink Lender Survey.Applicant
RTC001790-RTC001793—COINLink Lender Survey.Applicant
RTC001794-RTC001797—COINLink Lender Survey.Applicant
RTC001798-RTC001801—COINLink Lender Survey.Applicant
RTC001802-RTC001805—COINLink Lender Survey.Applicant
RTC001806-RTC1809—COINLink Lender Survey.Applicant
RTC001810-RTC001813—COINLink Lender Survey.Applicant
RTC001814-RTC001817—COINLink Lender Survey.Applicant
RTC001818-RTC001821—COINLink Lender Survey.Applicant
RTC001822-RTC001825—COINLink Lender Survey.Applicant
RTC001826-RTC001829—COINLink Lender Survey.Applicant
RTC001830-RTC001833—COINLink Lender Survey.Applicant
RTC001834-RTC001837—COINLink Lender Survey.Applicant
RTC001838-RTC001841—COINLink Lender Survey.Applicant
RTC001842—Conflict.Applicant
RTC001843-RTC001854—Georgia DMV/Microscience.Applicant
RTC001855-RTC001880—COIN pictures.Applicant
RTC001881-RTC001883—CBI Update.Applicant
RTC001884-RTC001887—COINLink Budget.Applicant
RTC001888-RTC001891—New Name for COINLink.Applicant
RTC001892-RTC001899—Business & Product Plannin and Development team Plan for NADA 1988.Applicant
RTC001900-RTC001929—COINLink Plan Spreadsheets.Applicant
RTC001930—CBA Annual Show/San Diego.Applicant
RTC001931—CBA Auto Finance Show/Tampa.Applicant
RTC001932-RTC001964—1989 NADA Budgets.Applicant
RTC001965-RTC001970—COIN Data.Applicant
RTC001971-RTC002004—Marks Notes.Applicant
RTC002005-RTC002007—COIN Bldg. 500.Applicant
RTC002008—Oakleaf Convergent.Applicant
RTC002009-RTC2015—Coin Memo to J. Maloney.Applicant
RTC002016—Written notes.Applicant
RTC002017—Son of Chrysler Pres.Applicant
RTC002018-RTC002021—Agreement Between Chrysler Credit Corp. & Coin Financial.Applicant
RTC002022—Certified Collateral Corp.Applicant
RTC002023—Corres. from R. Calmes to H. Tullman.Applicant
RTC002024-RTC002031—COINLink System Function Outline.Applicant
RTC002032—Corres. from R. Calmes to H. Tullman.Applicant
RTC002033-RTC002036—Corres. to J. Hiemstra from K. Wynn.Applicant
RTC002037-RTC002063—Metroteller Project Plannin Meeting.Applicant
RTC002064-RTC002094—Metroteller History.Applicant
RTC002095-RTC002104 Policy Memos.Applicant
RTC002105-RTC002114—NFADA.Applicant
RTC002115—Fax cover sheet.Applicant
RTC002116-RTC002122—Written notes.Applicant
RTC002123-RTC002132—NFADA Dealer Survey.Applicant
RTC002133-RTC002135—Corres. to R. Welte from J. Wolfson.Applicant
RTC002136—Agenda for NFDA Slide Show Planning Meeting.Applicant
RTC002137-RTC002138—NFADA Presentation.Applicant
RTC002139-RTC002142—NFADA Committee Meeting Agenda.Applicant
RTC002143-RTC002146—Discussion Outline.Applicant
RTC002147-RTC002155—NFADA Project Planning Session.Applicant
RTC002156-RTC002153—NFADA Planning Discussion Outline.Applicant
RTC002159—Memo to D. Gordon, M. Singleton, J. Hiemstra.Applicant
RTC002160—Fax Cover Sheet.Applicant
RTC002161—Memo to S. Sterman from V. Cline.Applicant
RTC002162-RTC002164—Memo to Board of Directors from D. Welte.Applicant
RTC002165—Marine Midland.Applicant
RTC002166—Status.Applicant
RTC002167-RTC002170—Corres. to T. Kress from S. Sterman.Applicant
RTC002171—Gateway Coinlink.Applicant
RTC002172-RTC002178—Corres. to J. Schreiber re: PCR.Applicant
RTC002179-RTC002181—Written notes.Applicant
RTC002182—Memo re: Gateway Terminal Equipment Requeirments.Applicant
RTC002183-RTC002184—Memo re: PC Rental Survey.Applicant
RTC002185-RTC002195—Gateway Terminal Functional Specifications.Applicant
RTC002196—Lender Gateway Device.Applicant
RTC002197-RTC002205—CoinLink Lender Gateway Terminal Functional Specifications.Applicant
RTC002206-RTC002223—Product Repackaging Overheads.Applicant
RTC002224-RTC002239—Trainer's Training.Applicant
The United States District Coourt for the Eastern District of New York; Initial Expert Report of David Klausner for Defendant routeone LLC Concerning U.S. Patent Nos. 5,878,403 and 6,587,841.Applicant
File Wrapper for 5,8778,403.Applicant
File Wrapper for 6,587,841.Applicant
Cassette Tape 1998 Auto Finance Conference.Applicant
The United States District Court for the Central District of California; Defendants' Answer to Amended Complaint for Patent Infringement and Counterclaims Concerning U.S. Patent No. 7,181,427.Applicant
“CMSI and HNC, Inc. Provide Credit Processing System” Bank Marketing, Aug. 1993, p. 45, 1 page.Applicant
“Department Store Reconfigures Credit Decision Process” Credit Risk Management Report, vol. 2, No. 20, Sep. 28, 1992, 2 pages.Applicant
Clark, “Royal Bank to Emphasize Indirect Auto Lending” American Banker, vol. 163, No. 185, Sep. 28, 1998, p. 17, 2 pages.Applicant
Michaelson, “Outsource Financial Chooses CMSI” National Mortgage News, vol. 22, No. 39, Jun. 22, 1998, p. 39, 2 pages.Applicant
Moyer, “Due Soon from Wells Fargo: 10-Minute Car Loans” American Banker, vol. 161, No. 126, Jul. 2, 1996, p. 16, 2 pages.Applicant
Office Action issued in related U.S. Patent No. 5,878,403, mailed Mar. 31, 1998, 12 pages.Applicant
Notice of Allowance issued in related U.S. Patent No. 5,878,403, mailed Jun. 23, 1998, 5 pages.Applicant
Office Action issued in related U.S. Patent No. 6,587,841, mailed Sep. 27, 2001, 8 pages.Applicant
Notice of Allowance issued in related U.S. Patent No. 6,587,841, mailed Feb. 12, 2003, 12 pages.Applicant
Office Action issued in related U.S. Appl. No. 10/441,534, mailed Jun. 6, 2007, 9 pages.Applicant
Office Action issued in related U.S. Appl. No. 10/649,397, mailed Jan. 10, 2008, 5 pages.Applicant
Office Action issued in related U.S. Appl. No. 10/650,596, mailed Dec. 19, 2007, 10 pages.Applicant
Office Action issued in related U.S. Appl. No. 10/702,568, mailed Oct. 3, 2007, 13 pages.Applicant
Office Action issued in related U.S. Patent No. 7,181,427, mailed Jan. 19, 2000, 14 pages.Applicant
Final Office Action issued in related U.S. Patent No. 7,181,427, mailed Dec. 20, 2000, 12 pages.Applicant
Office Action issued in related U.S. Patent No. 7,181,427, mailed Jun. 6, 2001, 10 pages.Applicant
Office Action issued in related U.S. Patent No. 7,181,427, mailed Dec. 21, 2001, 12 pages.Applicant
Office Action issued in related U.S. Patent No. 7,181,427, mailed Sep. 25, 2002, 9 pages.Applicant
Office Action issued in related U.S. Patent No. 7,181,427, mailed Mar. 19, 2003, 12 pages.Applicant
Final Office Action issued in related U.S. Patent No. 7,181,427, mailed Feb. 1, 2005, 8 pages.Applicant
Office Action issued in related U.S. Patent No. 7,181,427, mailed Aug. 1, 2005, 6 pages.Applicant
Notice of Allowance issued in related U.S. Patent No. 7,181,427, mailed Nov. 15, 2006, 7 pages.Applicant
Office Action issued in related U.S. Appl. No. 09/247,222, mailed Jan. 28, 2000, 10 pages.Applicant
Office Action issued in related U.S. Appl. No. 09/247,222, mailed Apr. 21, 2000, 10 pages.Applicant
Notice of Allowance issued in related U.S. Appl. No. 09/247,222, mailed Aug. 2, 2000, 6 pages.Applicant
Office Action issued in related U.S. Appl. No. 09/247,222, mailed Sep. 8, 2006, 7 pages.Applicant
Final Office Action issued in related U.S. Appl. No. 09/247,222, mailed Jun. 5, 2007, 8 pages.Applicant
Office Action issued in related U.S. Appl. No. 09/247,222, mailed Feb. 25, 2008, 9 pages.Applicant
Office Action issued in related U.S. Patent No. 6,208,979, mailed Apr. 18, 2000, 13 pages.Applicant
Notice of Allowance issued in related U.S. Patent No. 6,208,979, mailed Aug. 14, 2000, 7 pages.Applicant
Office Action issued in related U.S. Appl. No. 10/559,066, mailed Jul. 2, 2007, 8 pages.Applicant
Final Office Action issued in related U.S. Appl. No. 10/702,568, mailed May 28, 2007, 10 pages.Applicant
Final Office Action issued in related U.S. Appl. No. 10/650,596, mailed Jul. 25, 2008, 11 pages.Applicant
Office Action issued in related U.S. Appl. No. 11/648,943, mailed Dec. 23, 2008, 15 pages.Applicant
Office Action issued in related U.S. Appl. No. 10/559,066, mailed Jan. 27, 2009, 11 pages.Applicant
Examination Report issued in related European Application No. 99958841.1, mailed Nov. 20, 2006, 5 pages.Applicant
International Preliminary Report on Patentability, Chapter II, for corresponding PCT Application No. PCT/US2004/025866, completed Jun. 27, 2005, 16 pages.Applicant
International Search Report for corresponding PCT Application No. PCT/US2004/025866, mailed Feb. 18, 2005, 1 page.Applicant
Written Opinion for corresponding PCT Application No. PCT/US2004/025866, mailed Feb. 18, 2005, 3 pages.Applicant
Digital Handshake Registry Process, White Paper, ILumin Corporation, 2002, 6 pages.Applicant
Digital Handshake Secure Transaction Execution E-Sign and UETA Compliance, iLumin Corporation, 2001, 11 pages.Applicant
Digital Vault Authority, Technical White Paper, ILumin Corporation, 2001, 10 pages.Applicant
iLumin DHS Proposal, presented and prepared by Bob McGuinness of iLumin to DealerTrack on Oct. 1, 2001, 7 pages.Applicant
Office Action issued in related U.S. Appl. No. 10/649,397, mailed Feb. 27, 2009, 10 pages.Applicant
Office Action issued in related U.S. Appl. No. 10/441,534, mailed May 13, 2009, 9 pages.Applicant
Final Office Action issued in related U.S. Appl. No. 10/650,596, mailed Jul. 8, 2009, 13 pages.Applicant
Order Ruling on Claim Construction Arguments, United States District Court for the Central District of California, DealerTrack, Inc. v. David L. Huber, Finance Express, LLC, and John Doe Dealers; and DealerTrack, Inc. v. RouteOne LLC, David L. Huber, and Finance Express, LLC, Case No. CV 06-2335 AG (FMOx), Sep. 27, 2008, 31 pages.Applicant
Order Granting Motion for Summary Judgment for Invalidity of '427 Patent, United States District Court for the Central District of California, DealerTrack, Inc. v. David L. Huber, Finance Express, LLC, and John Doe Dealers, Case No. CV 06-2335 AG (FMOx), Jul. 7, 2009, 7 pages.Applicant
Final Office Action issued in related U.S. Appl. No. 10/649,397, mailed Oct. 30, 2009, 6 pages.Applicant
Final Office Action issued in U.S. Appl. No. 10/650,596, mailed Apr. 15, 2010, 10 pages.Applicant
Final Office Action issued in related U.S. Appl. No. 10/559,066, mailed Nov. 12, 2009, 8 pages.Applicant