Datatreasury Corporation v. Wells Fargo & Company et al

Filing 776

CLAIM CONSTRUCTION BRIEF filed by Datatreasury Corporation re #742 Claim Construction Brief,,,,,,. (Attachments: #1 Exhibit A#2 Exhibit B#3 Exhibit C#4 Exhibit D#5 Exhibit E#6 Exhibit F#7 Exhibit G)(Cooper, Rodney)

Datatreasury Corporation v. Wells Fargo & Company et al

Doc. 776 Att. 7

Case 2:06-cv-00072-DF-CMC

Document 776

Filed 08/23/2007

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EXHIBIT "G"

Dockets.Justia.com

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COURT DISTRICT I N THE UNITEDSTATES 'tHE EASTI'RN TEXAS FOR DISTRICT OF MARSHALL DIVISION
DATATREASURY CORPORATION
Plaintifl'

$
s
A J

s
CITIGROUP INC., CITIBANK, N A T I O N A LASSOCIATION,
Defendr$ts

g CivilAction No.:2:05-CV-294 $ $ $ $ $ $

AFFTpA Vrr OF DAVIp_JAMES
ST AT EOF AR}ZONA

$ $ COIJNTYOF MARICOPA $
(21) yearsof age,of soundmind and 1 . M y nameis David James.I am over twenly-one of knowledge the matteNstated c o m p e t e nto makethis AlTidavit. I haveper-sonal t herein, which aretrue nd correct.
L.

I haveworked in the bankrngtrndtinancial scrvicesindustry for more than forty years. I and h a v eexperiencein progranmrng and systems,bank operations,item processing, is processing. Attached my resumefurthershowing m o s taspecls ofback office payment and depth01'mycxpenence, t h e breadth ("the '868 Patent"). By my education, No. 5,717,868 I am the inventorof U.S. Patent of on I t r a i n i n g ,and experience, am qualifiedto providetestimony the understanding Nos.5,265,007 p e r s o n s ordinaryskill irr the rt relativetoU.S. Patent Clhe'007 of and of coursethe ("the '759 Patent), ('lhe '778 Patent), 5,583,759 P a t e n t )5,930,778 , ' 8 6 8 Patent, the time of rheirfiling and invention readand date' I havecareTully at analyzod eachof lhesefour patents. skilled in the xrt in this field',vouldhavea minimum of two to four yearsof A person float of in d i r e c texperience one or morc ofthe following areas banking: bank operatiOns, clearinghouse operations, and checkprocessing m a n a g e m e n t basicaccounting, and practices, programming and Reserve payment t'ules and Federal o p e r a t i o n sbanking , more thanthe I systems supportfor thesetypesof bankingappllcallons. have of q u a l i f i c a t i o n s give an oprnionasa person ordinaryskill in the art in thesefour to P a g e- l -

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A f f i d a v i tof DavidJames

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persons pa te n tsandin my manyye.rrs theindustryI haveworkedwith several , in 'fhus, of ofwhat a person ordinary uppreciation l have strong m e e t i n g skill set. this a patents. lhese s k i l lin theartwouldunderstand whenreading '759 Patent-"Means at the tirst locationfor preparlng oneor more cashletters" for practice larger writtcn,it wascommon 5. At or around time this patcnt\ivas the theirownbillingand to utilities creclir companies operate and card companies like in readerinvested check ofcompanies types receivable systems. Manyof these accounts for like arrd flom companies Unisys,NCR, IBM andothers sorter typehardware software wouldknowthatthe in thear1 skill of remittance solution- person ordinary A a nin-house with such Lrnd specificatron claimsarereader-sorters asthese in sorte rs the '759 Patent that records, comes letrers singledeposit and available crcate to cash type sof software pmvided suchasthose from a varietyof vendors or with thehardware canbe purchased Inc., Equipment Bell & HowellandScan flanctec, REl-Recognition including a n dfurther and/or hardware providcdby these process software opti c s andorhers.The remirtanca a equipment crcate cashletterandeithera to software firms allowedthc reader-sofier banks. at deposits multiple or all checks onebank multiple at of single deposit wouldfollowthesonpattem outlined thispatent, companies in 6 . With theprocess two provided thecollecting bank.Theywouldalsoprovide by specifications as and on one e n d o r s e m e n t stheitems, for theircompany Payee onefor thecollecting of on coulddeliver, behalf thecollecting Thecompany b a n kasbankoffirst deposit. or volumes checks of that to directly thelocalbanks hadlarger b a n kmostof thechecks , directlyto wouldbe delivered checks represented the checks.Theremainrng by dollars bank,asa cashcorrespondent processing or another site Reserve theclosest Federal offirst dePosit). bank(i.e.,bank l e t t e r ( sfrom thecollecting ) '868 Patent-'{Means for receivinga dala file from an originating institutiontt commercially several existed waswntten,there the ?. At or around timethis patent of packages manage transmission multiplefiles into andout of a data to the available associaj{-wtilt run by the processor the would havebeen software fac i l i ty . These '868Patent. TRACS' This product Super was Onesuch I t r a n s l i t o r in Fig. I of the sent thefacilityandalsoto goto to filesberng as system acted a trafficcopto detcct of the devlceandderermine pfesence a [ile, and storage locations ir Conrputer in specifiC in pammetefs esrat)lishcrl superTRAcs whenthatfile waeto be ba s e d predetermined on produced wasa similarsystem to. There il and t r a n s m i t t e d where \\as to betransmitted oj fil: similarmanagem:lt rn AR Systerns Little Rock, thatprovided b y Arkansas was where processor an IBM AS400' This the out of a datacenter. in tran s mi s s i o n s ancl and schedule couldnotifythesystems ran daily s y s t e m off ananticipated transmission wasnot file or received if anexpected to besent file hacl been not o p e t a t oif unexpected , management off y - t available besent.Any similartypeof theshelffile transmission to grownversion couldbe or to this couldbeusetl manage function. a similarhome system and pr o g ra mmeby a personskilledin theart. SunMicrosystems oracle database d

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file plovided capabilities managing transmission for further similar m a n a g e m esystems nt an dhandling. ' 8 6 8Patent-"Progranl means separating bundlingand for translating said and for records" as to early 1960's, MICR characters in began appear thelate 1950's 8. Checkreader-sorters in improvements theway wuy to marked beg a n be printedon checks.This tedthe to volumeof the to was and chic k processing automated usedby banks handle increasing between and48 13 had, in thetl.S Checkreader-snfiers in general, checks beingwritten the and into po c k e l s wereusedto scpitrate checks cash-letters to furtherautomate $at until the for sequence storing checks number check tnto0ccount s o r t i n g theon-us of wasreadily The statement. software to in theywerereturned thedrawee a monthly (SuperMICR IBM (CPCS) venclors asNCR,Banctec, such a v a i l a b lfrommultiple e and vendor) Unisys(IPS)andothers, anyone and runn i n gon IBM but matieby a separate and with theprocess be processing should familiar operarions o v e r s e e i n g check bank softwltre. these vendors the fol program routines determining waswritten. the 9 . At or around timethisp{tenr tO number a and the of and number a check matching routing transit r o u t i n g transit and . . p o c k Jlist" thatcontained t The"pocket existed. numbers and multiple routing transit to, whichpocketon rhechecksoftertheitem wouldbe directed list " thBn determined to according groups bundles or the program routines separate itemsinto to us e of these placein banks' These gioupings predetermined from son pocketlistswelcommon into that thecash-lettefs werepGsented the grou p s bundies became, some in instances, or Pa y me nSystem. t beganto deliver,software waswritten,IBM andothers the 10.At or around timc this patent parameteJs. Each upondatadictionary basecl to ca p a b i l i ti e s reformatfilcs andrccords was this of and structufe sequencing the information; software record typehada unic;ue data used solutions the to us e d translate reoonl.s a differentfornat. SomeOfthese to was logic. The process data used clifferent rnapping others d i c t i o n a t logicand y the reforrnatting. waysto ilccomplish and co mmo n p l a c e , therewereseveral '868Patent-'Security ntechanism" procedures onfor to begun monitorsecurity agencies already had I l. Bankjng regulatory mechanisms secufity to had vendors begun market irncl systems s$veml l i n ebanking ID, Secure wa-s-in product, was aro u n d time this pi.ltent written. Onesuchvendor's the With mechanism' in envisioned 868asa security of u s eandwasanexample whatwas code digit numeric a that is Se c u re eachparticipant givena token/fob generatesnew6 ID, running with synchronizes software the ev e ry60 secondi.A serialnumbet'on token/fbb to they areasked entera the accesses processor Whena participant in thl processor. 6 and p r e s e4 dig.it t codeknown irnly to themandtheprocessof thecunent digitcode and to is tlansferred the processof matched iis p l a v e don thetoken/fob,Tiis information

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If is in associated thetoken/fob. there a match, with a g a i n s t algorithm thccomputer the access denied' is If t h eparticipant allorved transact theprocessor. no match, is to with '868 Patent-"Security procedures" waswritten met the'868patent in the 1 2 .Mostonline systems useat or around cime of a by requirements security using combination authentication regulators' for banking in contained thelogicof the (see wercroutins that ancl m e c h a n i s m s above) procedures practice haveunique to of it was c o m p u t e rIn thecase fite procedurres, common . of file. "IHRD" in the first 4 positions or in theheader, l'irstrecordof a clata characters otherpredefined record.Therecouldbe therecordmightidentity thellrst hedder bank,today'sdate,an of transitnumber thesending information suchastherouhngancl this received fromthissender day,andsimilar i n d i c a t i o n thenumber filesaheady of of so records header be could multiple i n f o r m a t i oto allowvalidation thefile. There n of that helped additioninformation pre d e fi n e dEachuniquehcacler . recordwouldcontain ofthe file andthe contents determine vdidity ofthe file, theproposed the thecomputer and receiver(s), thetotalvalueof theitemsor a controlcountto helpestablish intended would typicallybe rccords the of abotrt contents thefile. Header mo reinformation be of records. lastrecord afile wouldtypically a The transuction by f o l l o w e d detailed "IEOF' or similar in designation thefirst record. mightbe rdenrified huving It by traiter to helpthe information balancing 4 positions ofthe lastreconl.lt mightalsocontain successfully had to intended send been the c o m p u t eestablish all records sender r that knownandusedacross werestandnrd routines These routines and rec e i v e d processed. "security procedures" refenedto in are industry.These thetypical thedataprocessing '868thatareknownto individuals arefamrliar with theart' that the ,007Patent-'Means within eachof thc pre'selectd recelvlngInstitutlons..'for receiving (a) on a real time basisand (b) on a value rrnit a calculatecl from the central processing basis,information regardingthe debltsand credits owing to or regularperiodicsettlement to payableby an institution with respect eachother ofthe instltutionswith regard to instrumen tssentand receivcd" of and automated collecting reporting the among othcrthings, 1 3 .The '00?invention, panicipants' All aFangement. clearing in i n f o r m a t i ofromparticipants a netsettlement n for the with thesoftware, token/fob the provided were be i n genrolledin theexchange, the of and and on security mechanism, weretrained theprocess procedures like technology, thesoftware of took Thernventron advantage existing clearinghouse, undr. computcrs, personal alluwed that AuachMate,andothers, P CAnywhere, techniques' existing communication data to c o n t r o l l ecorditions. link to a cPU using d several by participant, beingauthenticated thecPU, wasableto access upon Each information enter was one l'unction theabilityto by f u n c t i o nprovided theinvention. s that (It be participants. should noted had to theparticipant sent other a b o ucashletters t Reserve Federal multiple across to allowed netsettlcment happen for t h i sinvention arTangements net Reserve onlyallowed settlement had Priorto thistheFedeml Districts. (Patlicipant could x) A participant Districts.) Reserve wi th j neachof the l2 Federal X Participant hadpreinformation aboutotherbanks thar ac c e sa datascreen contained s Affidavitof David lames Page-4-

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s e l e c t eto send d cash-letters Panicipant wosabletoenter amounts thecasnto. X the of lette rs thescreen. on 1 4 .Other participants performrng were similar data enrryfor cash-letters weresending they t o Participant Participanr couldalsoaccess data X' X a screen conrained that information a b o u whatthese t otherbanks wer.e sending participant to X. 15.On yet another datascrcen, Participant couldseethenetdollardifference X between all o f t h e items Participant hadsentto other X panicipants thedollarvalue thetrcms and of P a r t i c i p a n t wasschedtrled reccive X to fromrheoiherparticipants. (Since wasthe rhis f i r s !national setlement net anungemenr, of theiash-leiters many wereshipped arr ua . cotrrier took 6 to l2 houmto anive). yer another and datascreen sllowedioch p a r t i c i p a n t see, reultime,theiranticipated settlement to in net position based on i n f o r m a t i othathadbeon n entered, themandorhers, far duringthissettlement by so cycle. 1 6 .As explained above, infbrmation entered participants calculated thecpu is by or by always cuffent perthetastparricipant's andrs available all participants a as entry to on r e a ltimebasis. '007-Mean s for continuous monitoring on real time basis,as rported by eachinstitution by the means sendinginformation wlthin eachinstitution (aXi) the sendingand receipt for statusof the instrumentsand (ii) the valucof the instrumentssent and received, rcported as by eachof the instltutions,and (b) the statusin transit of the instrumentswith respect to their havingbeen(i) sentand (ii) received, reportedby eachof the institutions, as accordingto the reportlng of an insiitution's sending and rceivingof instruments 1 7 .As described plrticipant access above, each can information theirconnection the over to C P Uanyinformation ilnpflcts netsettlement thal the calculations. information This is acc c s s eovertheir link to theCPU by theil personal d computers with personal computer s o f t w a r e , asPC Anywhere Attach srrch or Mate. '007-Means for calculating debits and credits...asmonitoredon a real time basisfrom informatio n neportedby the instltutions. I 8 . In a netsefflement arrrngemenr described rhepatent, as in mostpeople familiarwith o p e r a t i na se$lement g organization all participating und banks knowthata participant,s n e tposition determrncd comparing totalvalue items participant and is by the of the sent t h ereceiving institution recelved, compared thetoralvalue itemsthepanicipant to of r e c e i v efromtheo$er purtrcipunts. is thesame d It process hasexisted decades. that for T h edifference thatunder patent, calculations doneby theaccounting is rhis the are i n s t r u c t i o nsimilar spreadsheet s, to software, associated theCPU. with '007-A Cycling meansinterrelatedwith the central processing unit (a) for controlling the p h y s l c atransportof the financialinstruments l amongthe institutions and (b) for c o n t r o l l i n g means calculating the for

A f f i d a v i t of David fames

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l 9 ' A full cycleof a settlement process rnclur.les activitiesthat must occurberween a[ onc s e t t l e m e nday and thenext. It may be easier picturea 24 hour clock. once aroundthe t to c l o c kcompletes cycle of the seitlement one proclss. 2 0 ' In a national net settlmentunangementthe participantsmust establishan agreedupon s e t t l e m e ntime' This time mus(takeinto considerition differenttime zJnesandthe t the t i m e it will take to t'ansporlitemsbetween funhestaway pa(icipants,like between the an e a s tcoastbankand a r|est coastbank. 2 1 . since mosttransitwork is reacly ship berween prn and midnight,the participanrs g ro m i g h t beginto input inform tion aboutthevalueof rhecash-letters they weresinding to o l h e rparticipants the work wasbeingsent(B pm to midnight). Assumingthat as t r a n s p o r t a t i ocould be arrangcd that all work sentby any participant n so could be r e c e i v e d any otherpurticipant 8 arnto l0 am. If adequate by by transportation doesnot e x i s t ' thena participant may nor be ableto reachall otherparticipants a timely manner in a n d that participant would rcstncr themselves only sendingto panicipantswhere !o d e l i v e r i e scould be made in a timely mannerunder the agreedupon rules of the clearinghouse. 2 2 . Participantscould confirm on-line that they had receivedtheir cashletters by an agreedu p o ntime,say, I lanr. Senders could seeif any of theirwork had not beendelivered to t h e banksthey sentto and could conlacttheir couriers determine cause to the ofthe delav a n d hopefullyget the work dclivercdand acknorvledged the receiver.Every by s e t t l e m e ncycle hasa trme,after which no additional t. input of informationis allowed ( i . e . , ,this might be l2:30 pm in the aboveexample).In that case,at exactlyl2:30 each p a f t i c i p a n would know therrnet positionandcould determine they werein a net debit t if position. The cyclerulesmightallowup until t:30pmforall netdebitposition p a r t i c i p a n t to prepare coverrheir'debit s ro posirionwith sufficientfunds. Assumingall n e t debitpositions werefundcdby net debrtpusitionparticipants, thenthe settlement w o u l d occurat the regularscheduled timc of, for this examplc,2 pm. Proccdures in are p l a c ewith clearinghouses coverany contingency to wherea participant may not be able t o cover their net debit positlon. Within a few minutesafter the settlementoccursthe s y s t e m reopened inputtingof the next settlement is for day's information. 2 3 . The internalclock of the CPU can automarically determine what phase the daity cycle of t h e process in. Theserulesirndinstructions the clearinghouse, is of which controlthe d a i l y cycling,areprogrammed into the CPU in a way understood persons skilledin by t h e art, 2 4 ,(a) ln thisexplanation y()ucan sccthat the physicaltransport the items is controlled of by t h e rulesand regulations rheclearinghouse arethe responsibility the sender of and and of t h e receiver.The sender must be sutthat the courierschedule allowsfor timely delivery b e f o r econtracting the ser'vice mustdaily input informationaboutthe valueof for and e a c hcash-letter sent. The receiver the lesponsibility confirm receiptof the cash, has to l e t t e rthe next dav afterit is received.

Affidavit of DavidJames

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2 5 .(b)ThecPU is available duringspccific times theday,specified theclearinghouse of by r u l e sfor receiving , inftrrmatron theparticipanfs fiom about cashletteis andreceived sent u p to thenetserllement inputdeadline. Duringthisperiod time,theaccounting of I n s t r u c t i o nsimilarto spreadshee s, t .roftware, associated theCPU.is calculating with in r e a ltime,astransaclions entered, netposition each arc the participant. of '007-Mea n s al eachparticlpant for (l) sending and receivingfinancial instrumentsto be (2) cleared, sendingand reccivingin reat time, information reporting valueand transit statusof the financial instrumcntsto be claredto a programmablecpu, (3) Addressing 9lu uv which a participant may dcterminein real timef the information receivedby the CPU with respect that participants real time tlebit and credit obligation lvith respectto to other institutionsarriving from instructlonsthat are reportedto be sentand rereived. 2 6 .(i) As discussed earlier thisdocument, in senders responsible sending are for theircash lett rs thereceiving to participants. This coulclbesomeform of air or groundtransport. M o s tbanks have designated rn thcircheck a area processing facilitywhere incoming c a s h - l e t t earede|vered rvhere going rs and placed pickup out cnsh-letters are for by couners. 2 ' 1 (2) As discussed . in earher thisdocument,sending participant responsible a for is inputting information theCPU boutlhevulue each into of cosh-letter aresending thy to othe rparticipants. receiving A palticipant responsrble inputinginformation the is for to C P Uthatcash-letters other participants sent themhavebeen that had to received them. by T h einputting informrrtion andreceivrng of to, from,theCPU,occurs over ol'information t h eelectronic communication links. 2 8 .(3)As discussed earlier thisdocumnt, participant beonline to theCPUand in any can recei v e time updates anyinfotmation real of The inputinto theCPUby anyparticipant. i n p u t t i n g information andreceiving information of to, of from,theCPU,occurs overthe e l e c t r o n icommunication c hnks. '007-Mean s for receivingand rccordinga participant's reports of the value and transit statusof the instrumentsto be clearedas havingbeensentand receivedwith respect all to participan tsln the system, 2 9 .As discussed from earlier rn.this docunrent, participant access screens the each can data with C P U . Theaccounting associated the instructions, srmilar spreadsheet to software, C P U ,discussed wouldhave participant at earlier received recorded and the entries the C P U . At theparticipant that location, rhese screens data couldbeprinted a printer on c o u l dbeattached thc personal was to the ro compurer partrcipant using access CPU. ihe '007-Means for monitoring on o real time as reportedbasis 3 0 .At or around timethc '007patent written the was there weteseveral commercially proqrams allowed Dersonal a v a i l a b lsoftware e computer access another that to a

A f f i d a v i t of David James

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programs and c o m p u t e rExamples such . rvere Anywhere AttachMate. These PC of software. programs computer wereavailable anyoffice supplystorethatsoldpersonal at personal computer and th 3 1 .Once installed theparticipant's on computer once personal to lbr link, h a daccess a communication it waspossrble theparticipant communlcate to as to with theCPU asdescribed above for theparticipant monitorevents they and hap p e n eandwerereuolded theCPU (realtirne). d at

rraE TO AND SUBSCRIBED swORN BEF0RE this 7' da or {&tl/ v

'zoot'

N O T AR Y PUBLIC, S

T E OF ARIZONA

N o r yPubtr sr.te otanron. MARICOpA COI|Nl y M y { o m n . cxp.e. Ocr 2e.lO!8

ILENEBERG

Affidavitof DavidJames

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Exhibit 1

14| 2:06-cv-00072-DF-CMC Casea1 FROI'1:

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D a v i d L. James
7326 Srare Roure Unit5002, 19, Mouni atildil

J P M C h a s e April l:1,2003 to March3t , Z1OT Vi c ePresident, SeniorProrhctSales Specialist GlobalTreasury Services Managed bookof business consisting financial institutions, mid of corporate customers publicfundscompanies prospects the and and in westem U.S. Calledon senioroperations treasury contacts these and in c o m p a n i e Coalwasto retain s. curentclients addnewclients, and Interfaced with seniolbankers, product management, sales and ma n a g e me n l chase. supported ar treasul.y products helpclientscollect to from lockbox, check cleauing, paper image, both and including Fayments remote image capture. Alsosupported Chase nationwide vault thc s e r v i c e sMv position eliminated . w:rs effective March31,2007. Thomson Publishins, Financial Skokie, IL 2002ro April 2003 February D i r e c t o r Sales of Frnancial ClobalOperations NetworkFebruary 2002-April 2003 L e d product:rndsales teamsfbf the growrhof networkbased applications f o r financial instrtulions. services. Division Created new networkbased w a sphased in 2003asThomson out sought selloff business unirs. to Di re c to rof Business Development ViceChairman Financial Global and O o e r a t i o n sNetwork M ay 1999 February 2002 product business Managed Provided thought and acquisition activities. l e a d e rs h i p thc creation newproduct.s services. fbl of and Ca rre l l e JC_o_Eporation DallasTX D i re c to rof Sales PSN 1998to May 1999 February

Provided salcs leadership rn innovative management service for fraud/risk u s e d manyof thenations by largest banks.Calledon mostof thetop I00 in hne b a n k sBusiness wassoldto NewYorkClearinghouse 1999. . I l u n t i n s t o n NationalBank Columbus, to 1998 July 1994 February Ohio - 2/98 - Financial Vi c ePresident/Manoging Group 4/97 Director Institutions thmugh L d the staflup of thi,s newdil'isronfocused productsales on privare Hiredand labeling ofproducts conespondent and services. marketing malerials soldnewrelationships, and developed staff. Created prospect pipeline. on B u i l t milliondolJar co-inventor two payrnont

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s y s t e mpatent s applications wirhelectronificationcheck dealing of i n f o r m a t i o nParricipated planning design altemate . in and payment of m e t h o d o l o g i e s Intemet merchant for and products. network V i c ePresident Managing and Director- TheCheckExchange (CIiEXS) System 7194 4/97 B o tto m line maDagement responsibiliry for this partnershipbusiness o p e ra ti n g NationalClearingHouseAssociation. Grew volumefrom the l e s sthanI nrillionitems/day 1994 morethan4 mi'llionitems/day in ro in L 9 9 7 . Took business from unprofitable operationto multi million profits/year. Oversarv creation forrr of sienificant business new oroducts: - Clears settles million Fourrh District Clearinghouse and 3.5 items/day -A N a t i o n aReturlsCleannghor-rse private l sector, imaged based, a l te rn a ti l e10rEturnirem processing throughthe Federal Reserve. Created busincss plan.selected software and hardware, facilities s ta ff and negotiated contractsleading to th launch of this sll business. A d i u $ N e t - A personal processing computerbasedadjustments a n dsettlement plan,productdesigrr, system.Crettedbusiness and munaged development contr:rctto create product leading to b u s i n c ssLart s up. I n v e n t e dand parenred process the creation a payment a for of rra n s l a ti o n ,nrapping,store and forward concentration service dealing with electronic transacrions various in forrnats, S Patent U # 5.717.868. Corporate Credit UnionNetryork OhioandMichigan V i c ePresident Operations of 1990 1994

Business manager responsible payment productmanagement, for systems s e r v i c edelivery,MIS, and relatedoperations: wire item processing, tra n s fe rATM nclwork,ACH, and related , customer support. Led effons I o expandprodrictdevelopment, the crosssell products, and enhance p r b f i t a b i l i t y thebusiness. of Served over1000 credilunions through these " B a n k e rBanks". Designed lnd implemented software nerv application transition plans itemprocessrng file transmissions. for and Increased item p r o c e s s i n g incomethroughnew clearingand cash letter product fee o f f e r i n g s Negotrated implemented . and industry relationships.

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D a v i dL. .Iames and Associntes. Columbus Ohio Inc. PresidEnt

1 9 8 7 1994 to

C r e a t e d a "manul'aL-tures sales reprcsentative"company focused on r e p r e s e n l i n gsmnll software vendors. Marketed product and services to f i n a n c i a l instrtutionsin the Midwest. Provided consultativasolutions t h r o u g hturnkcy implementation. Scopeof services rangedfrom personal products to completeitem and account processingsolutions computer i n s t a l l e dfor fi nancialinstitutrons.

F i r s t NationalBank Of Chicaeo P r e s i d e n t Comtrac-Columbus. 1985-1987 OH

1984-198'7

H i re d as r tum aroundmanager this wholly ownedbusiness focused of on transportation EDI processing, freight bill auditing and payment for F o n u n e500 conrpanies. took overresponsibility the company I for when i t wasexperiencing market losses wasloosing and share. severe financial team,restored I n lessthan 18 monthswe hadbuilt a new management p ro fi ta b i l i ty , and re-engineered auditing and paymentprocesses to the increase efficiencies I and accuracy.During the tum aroundprocess merged business and this payrhents with a mainframe software business realigned staftingacross wasprofitablysold in bothoperations. Business 1987 -FirstChicago President DataCorp Chicago, 1984-1985 IL I was recruited by First Chicago to salvagea poor performingdata prcvidedcherk clearingand core operation. This business services p r o c e s s i nscrviccs mid sizedbanks. The business g was loosing$4 to staff m i l l i o n a yearon $l I million in sales,Through consolidation, site wo re a l i g n me n tsalesand customer , serviceimpmvements, were able to profitabilityandprofitablydispose the business. restore of Au to ma te dData Processinr: Clifton NJ Vi c ePresidenr, Division Regional Services Munager Btrnking -1984 1982

O r g a n i z e d and staffed a new saleseffort to successfullyintroduce service p r o d u c t sin a five stateMidwest area. Stabilizedongoingrevenuewhile r e d u c i n gexpenses over $l million per year. Introduceda personal by strategv ugmentthetraclitional to main framebankingproduct, computer

CT C i t i c o r pInformationServices Stamfbrd Vi c ePresident

1 9 8 0 1982

Wo rk e dundera threeyearmanagement contractwhenP G Data Center w a s sold lo Ciucor?. During 1980and l98l involvedin acquisitions,

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d i v e s t i t u l e sand p r o d u c rdevelopmenr. During l9g2 servedas National S a . l e s Manager f b l Technology Producrs with a sales force of 90 representatives.

B G Data Center.Inc. Ganertsville, OH President

1967-1980

S u c c e s s f u l l ydirected the stan up and growth of a bank service corporation o w n e d by three banksin ohio. Grsw business $3 mi ion to in annual r e v e n u efrom 50 tinancial institutions. Directed the constructionof a 2 7 , _ 0 0squarefoot datacenrer. Operated 0 four remotecapturefacilitiesin a d d i t i o nto the maindatacenter.

also worked in systems dvelopment Nation;l 6ity at B a n kin Clevcland. OH.

rs with Trust in 3y a: t $" .ill.l e MD.l " o r . k e d aprogrammer Suburban Company ri 1. t:, v n6J: I

Education
U n i v e rs i ty Marylanri of E l e c r i c a lEnginecring Califomia American Universitv G r a d u a tstudies Leadership Manugemcnt e in and N u m e r o uprograms business, s in technology, management, sales and

Militarv
A i r Narional Guard S D a t aSystems rO..'^t,,