Abstract: A device is configured to receive a resource request that identifies a first user, a first resource that is currently assigned to the first user, and a second resource that the first user is requesting. The device is further configured to obtain information for the first resource and to determine whether the first user qualifies for the second resource based on the information associated with the first resource and resource allocation requirements for the second resource. The device is further configured to obtain the first resource from the first user and to associate the second resource with the first user for a predetermined period of time. The device is further configured to determine the first user has returned the second resource within the predetermined period of time, to remove the association between the second resource and the first user, and to release the first resource to the first user.

Abstract: Aspects of the disclosure relate to cloud computing architectures. A system may include a plurality of clouds. One or more of the clouds may transfer data to another one or more of the clouds. A data integration platform may control the data transfer. The transfer may be securely routed through the data integration platform. The transfer may be logged, and the log may be transmitted to an administrative network.

Abstract: Aspects of the disclosure relate to cloud computing architectures. A system may include a plurality of clouds. One or more of the clouds may transfer data to another one or more of the clouds. A data integration platform may control the data transfer. The transfer may be securely routed through the data integration platform. The transfer may be logged, and the log may be transmitted to an administrative network.

Abstract: A method and apparatus that allow a rapid evaluation and origination of loans is provided. The creditworthiness of potential borrowers may be evaluated by multiple models. Some models may provide a nuanced evaluation of creditworthiness, while other models generate cross-sell opportunities. The models may implement a strategy. The model may be run on a logic engine or engines. The evaluation may utilize multiple stages, whereby each stage is reached only if the earlier stages are passed. Evaluation may utilize a multi-level strategy. In the event that a loan cannot be reasonably provided, the potential borrower may be given suitable reasons and/or be presented with alternative credit products.

Abstract: An alignment tool, for aligning masonry structures, includes at least one pair of upright guides arranged on one side of the alignment tool for centering masonry materials such as blocks or bricks. In a first embodiment for use with laying bricks, other uprights are provided on an opposite sides of the alignment tool for aligning a center of a brick over or under a mortar joint and an additional pair of uprights are provided on one end of the alignment tool. In a second embodiment, an upright is provided along a central rib of the alignment tool for insertion into a hole in a brick. Method steps for using the tool are also disclosed.