Abstract: Managing device settings on multiple devices, including: creating a first group of devices including two or more devices, wherein each device in the first group has at least one first device setting; creating a second group of devices including two or more devices, wherein each device in the second group has at least one second device setting and each device in the second group is not in the first group; sending the at least one first device setting to each device in the first group of devices in parallel, so that each device in the first group changes at least one device setting according to the at least one received first device setting; and sending the at least one second device setting to each device in the second group of devices in parallel, so that each device in the second group changes at least one device setting according to the at least one received second device setting.

Abstract: Video capture of a subject, including: a first IR camera, a second IR camera, and a color camera, for capturing video data of the subject; a post, where the first IR camera, the second IR camera, and the color camera are attached to the post, and where the color camera is positioned between the first IR camera and the second IR camera; at least one IR light source, for illuminating the subject; and a processor configured to: generate depth solve data for the subject using data from the first IR camera and the second IR camera; generate projected color data by using data from the color camera to project color onto the depth solve data; and generate final capture data by merging the depth solve data and the projected color data.

Abstract: Managing device settings on multiple devices, including: creating a first group of devices including two or more devices, wherein each device in the first group has at least one first device setting; creating a second group of devices including two or more devices, wherein each device in the second group has at least one second device setting and each device in the second group is not in the first group; sending the at least one first device setting to each device in the first group of devices in parallel, so that each device in the first group changes at least one device setting according to the at least one received first device setting; and sending the at least one second device setting to each device in the second group of devices in parallel, so that each device in the second group changes at least one device setting according to the at least one received second device setting.

Abstract: Managing cameras and controlling video display, including: identifying a first group of cameras, each camera in the first group having a respective image stream; identifying a second group of cameras, each camera in the second group having a respective image stream, and each camera in the second group is not in the first group; assigning a name to each group; assigning a name to each camera; displaying the name of each group in a user interface on a computer system; displaying the name of each camera in the user interface; receiving a selection of a group through the user interface; displaying the image stream for each camera in the selected group simultaneously; receiving a selection of one camera through the user interface; and displaying the image stream for the selected camera.

Abstract: Aligning and coloring a volumetric image, including: capturing intensity data using at least one scanner; generating an intensity image using the intensity data, wherein the intensity image includes at least one feature in a scene, the at least one feature including a sample feature; capturing image data using at least one camera, wherein the image data includes color information; generating a camera image using the image data, wherein the camera image includes the sample feature; matching the sample feature in the intensity image with the sample feature in the camera image to align the intensity image and the camera image; and generating a color image by applying the color information to the aligned intensity image.

Abstract: Systems and methods for authenticating the identity of a user prior to giving access to confidential data at a user interface via a network are described. In an exemplary implementation in an Internet environment, a server hosts an application providing selective access by the user to confidential data related to the user. The user provides initial data to the application as part of a request to access the confidential data. At least one database having the confidential data stored therein is accessed by the server to retrieve confidential data relating to the user located in the database based on the initial data received from the client interface. An authentication function causes the server to transmit to the client interface and present to the user an incomplete portion of the confidential data relating to the user, which is not identical to the initial data, along with at least one other portion of data having a substantially identical format to the incomplete portion of the confidential data.

Abstract: Methods, apparatuses and systems facilitating integration of the functionality associated with a first on-line service entity with the functionality associated with a second on-line service entity. Embodiments of the present invention allow a first on-line service entity having its own membership model to efficiently collaborate with a second on-line service entity to offer its users the services of the second on-line service entity in a seamless and consistently branded manner. One implementation obviates the need for synchronization of the membership models between the first and second on-line service entities. One implementation allows the second on-line service entity to provide services to the users associated with the first on-line service entity in a seamless manner without the first on-line service entity having to proxy the session between the second online service entity and the users.

Abstract: Systems and methods for authenticating the identity of a user prior to giving access to confidential data at a user interface via a network are described. In an exemplary implementation in an Internet environment, a server hosts an application providing selective access by the user to confidential data related to the user. The user provides initial data to the application as part of a request to access the confidential data. At least one database having the confidential data stored therein is accessed by the server to retrieve confidential data relating to the user located in the database based on the initial data received from the client interface. An authentication function causes the server to transmit to the client interface and present to the user an incomplete portion of the confidential data relating to the user, which is not identical to the initial data, along with at least one other portion of data having a substantially identical format to the incomplete portion of the confidential data.

Abstract: Systems and methods for authenticating the identity of a user prior to giving access to confidential data at a user interface via a network are described. In an exemplary implementation in an Internet environment, a server hosts an application providing selective access by the user to confidential data related to the user. The user provides initial data to the application as part of a request to access the confidential data. At least one database having the confidential data stored therein is accessed by the server to retrieve confidential data relating to the user located in the database based on the initial data received from the client interface. An authentication function causes the server to transmit to the client interface and present to the user an incomplete portion of the confidential data relating to the user, which is not identical to the initial data, along with at least one other portion of data having a substantially identical format to the incomplete portion of the confidential data.

Abstract: Methods, apparatuses and systems facilitating integration of the functionality associated with a first on-line service entity with the functionality associated with a second on-line service entity. Embodiments of the present invention allow a first on-line service entity having its own membership model to efficiently collaborate with a second on-line service entity to offer its users the services of the second on-line service entity in a seamless and consistently branded manner. One implementation obviates the need for synchronization of the membership models between the first and second on-line service entities. One implementation allows the second on-line service entity to provide services to the users associated with the first on-line service entity in a seamless manner without the first on-line service entity having to proxy the session between the second on-line service entity and the users.

Abstract: The present invention, in particular embodiments, is directed to methods, apparatuses and systems directed to locking and unlocking of credit reports via a telephone interface. In a particular implementation, the present invention provides a voice interface server accessible to consumers via a telephone and a voice-based credit report access system. The voice-based credit report access system is operative to accept telephone requests to lock or unlock a credit report and pass those requests to a credit report retrieval system. When the request is received, the credit report retrieval system accordingly updates the consumer's entry in a lock status database. When the credit report retrieval system receives a credit report request, the lock status database is queried. If the consumer's entry has a locked status, the credit report is denied. If the status is unlocked, the credit report is provided to the requestor.

Abstract: Methods, apparatuses and systems facilitating analysis of expected interest rates and, in some embodiments, other conditions and circumstances associated with a variety of different loan types. In one embodiment, the present invention allows for a network-based application allowing users the ability to assess for what loan interest rates they are eligible based on current interest rate data and credit analysis scores that are used to determine qualifications for one of a variety of interest rates. In one embodiment, the present invention enables a web-based loan rate analysis system that combines credit score analysis with analyses of collateral and debt/income to offer users the ability to learn for what loan interest rates they are eligible when purchasing or refinancing a home.

Abstract: The present invention, in particular embodiments, is directed to methods, apparatuses and systems directed to locking and unlocking of credit reports via a telephone interface. In a particular implementation, the present invention provides a voice interface server accessible to consumers via a telephone and a voice-based credit report access system. The voice-based credit report access system is operative to accept telephone requests to lock or unlock a credit report and pass those requests to a credit report retrieval system. When the request is received, the credit report retrieval system accordingly updates the consumer's entry in a lock status database. When the credit report retrieval system receives a credit report request, the lock status database is queried. If the consumer's entry has a locked status, the credit report is denied. If the status is unlocked, the credit report is provided to the requestor.

Abstract: An example embodiment provides for systems, apparatuses and methods directed to determining the likelihood that a given individual may need or obtain a credit product. This is accomplished by obtaining non-contemporaneous snapshots of credit files and using the non-contemporaneous snapshots to build a predictive model to determine a likelihood that a given individual will be needing a credit product. In one implementation, the credit product is a non-credit product. Other systems, apparatuses and methods can also be employed to sell preferential placement of advertisements on a website.

Abstract: Methods, apparatuses and systems facilitating integration of the functionality associated with a first on-line service entity with the functionality associated with a second on-line service entity. Embodiments of the present invention allow a first on-line service entity having its own membership model to efficiently collaborate with a second on-line service entity to offer its users the services of the second on-line service entity in a seamless and consistently branded manner. One implementation obviates the need for synchronization of the membership models between the first and second on-line service entities. One implementation allows the second on-line service entity to provide services to the users associated with the first on-line service entity in a seamless manner without the first on-line service entity having to proxy the session between the second on-line service entity and the users.

Abstract: Methods, apparatuses and systems facilitating integration of the functionality associated with a first on-line service entity with the functionality associated with a second on-line service entity. Embodiments of the present invention allow a first on-line service entity having its own membership model to efficiently collaborate with a second on-line service entity to offer its users the services of the second on-line service entity in a seamless and consistently branded manner. One implementation obviates the need for synchronization of the membership models between the first and second on-line service entities. One implementation allows the second on-line service entity to provide services to the users associated with the first on-line service entity in a seamless manner without the first on-line service entity having to proxy the session between the second on-line service entity and the users.

Abstract: A computer implemented process including (a) storing first and second strategy versions for application by a computer-implemented decision management system, the second strategy version being an edited version of the first strategy version and including a function; (b) storing first and second function versions of the function; (c) selecting the stored, second strategy version with one of the first and second function versions; and (d) applying the selected second strategy version.

Abstract: Methods, apparatuses and systems facilitating integration of the functionality associated with a first on-line service entity with the functionality associated with a second on-line service entity. Embodiments of the present invention allow a first on-line service entity having its own membership model to efficiently collaborate with a second on-line service entity to offer its users the services of the second on-line service entity in a seamless and consistently branded manner. One implementation obviates the need for synchronization of the membership models between the first and second on-line service entities. One implementation allows the second on-line service entity to provide services to the users associated with the first on-line service entity in a seamless manner without the first on-line service entity having to proxy the session between the second on-line service entity and the users.

Abstract: Methods, apparatuses and systems facilitating analysis of expected interest rates and, in some embodiments, other conditions and circumstances associated with a variety of different loan types. In one embodiment, the present invention allows for a network-based application allowing users the ability to assess for what loan interest rates they are eligible based on current interest rate data and credit analysis scores that are used to determine qualifications for one of a variety of interest rates. In one embodiment, the present invention enables a web-based loan rate analysis system that combines credit score analysis with analyses of collateral and debt/income to offer users the ability to learn for what loan interest rates they are eligible when purchasing or refinancing a home.

Abstract: A computer implemented decision management system which provides strategy versioning. The system (a) creates different strategy versions, (b) selects, without technical intervention, a respective strategy version of the created strategy versions, (c) applies, without technical intervention, the selected strategy version to determine interaction strategies, (d) monitors performance based on the determined interaction strategies, and (e) refines the selected strategy version in accordance with the monitored performance. To select and apply strategy versions without technical intervention, a GUI is used to enter, edit and select strategy versions at a desktop. From the GUI, the strategy versions are stored in relational tables within a relational data model. A versioning level is interjected between a system level and a segment level in a definition hierarchy, so that each strategy can be referenced as being a specific strategy version.