Abstract: A platform server includes at least one memory configured to store instructions for performing a predetermined operation, and at least one processor operatively connected to the memory and configured to execute the instructions. The at least one processor is configured to store data in which carbon emissions are defined for each manufacturing weight of bicycle parts made of a predetermined material, acquire an image of a bicycle, determine parts included in the image, determine carbon emissions according to manufacturing of the bicycle by comparing information on the determined parts with the defined data, and provide mileage to a subject related to an event based on the determined carbon emissions when the event related to the bicycle corresponding to the image occurs.

Abstract: A Cost Sharing Method and Platform that uses scrapping API technology to collect and project key categories of items available for sale on multiple sites on the internet is disclosed herein. As disclosed, the Cost Sharing Method and Platform (hereinafter “System” aka Splitcart) allows the user to pay for that item or share the cost of the item with other people. Payments are recorded through the system and with payments processed upon finalization of the Splitcart as defined by the organizer. As configured, the organizer is able to choose how many splitters (contributors) there will be and decide if he/she wants to cover the cost difference if funds are not met and/or convert total funds collected to a gift card. The SplitCart may have social media contacts and or connections enabled to allow for a user to use their social media platform to recruit “splitters” and recipients to a cost sharing opportunity.

Abstract: Systems, methods, and computer program products for generating job value predictions by a trained model for a tenant include receiving live data associated with a tenant, where the live data includes information associated with a job to be performed by the tenant. A trained model associated with the tenant is retrieved, where the trained model is configured to generate a job value prediction for the job to be performed. The live data is preprocessed to obtain a set of features associated with the job, the set of features consumable by the trained model, and the trained model is applied to the set of features to generate the job value prediction for the job to be performed by the tenant.

Abstract: In various exemplary embodiments, a system and associated method to perform an adaptive risk-based assessment of a user is disclosed. A method includes receiving a request from a user to perform an action at an electronic marketplace, retrieving a plurality of risk assessment factors associated with the action and the user, performing a risk assessment process on the risk assessment factors to identify a risk mitigation process, requesting that the user perform the identified risk mitigation process, and allowing the user to perform the action in response to the user completing the risk mitigation.

Abstract: The present subject matter relates generally to systems and methods for adding interactive functionality to a website, other digital media objects, and computer processor applications. Systems and methods for adding functionality to content served by a first server, may include receiving, at a second server, a request from a client-computer for code to add purchase functionality to the content. The code may be sent to the client-computer based on the request. A further request may be received from the client-computer containing information about objects identified in the content as relating to the purchase functionality and a request for information about the objects. Information about the objects may be sent to the client-computer based on the further request. An instruction to complete the purchase may be received from the client-computer, and a confirmation of the completion of the purchase may be sent to the client-computer.

Abstract: A computer-implemented method, computer program product and computing system for determining an initial value for a vehicle prior to the occurrence of a value-reducing event; determining a subsequent value for the vehicle after the occurrence of a value-reducing event; calculating a value reduction for the vehicle based, at least in part, upon the initial value and the subsequent value; and compensating the owner of the vehicle for the value reduction.

Abstract: An innovative system and method is implemented to facilitate a blockchain based labor arbitrage. The system uses a processor to manage labor arbitrage between business operator devices and laborer devices. The method starts with a description for a job request received from a business operator device. After distributing the job description, the method receives proposals from the laborer devices. Then method matches a primary laborer device to the job description and generates a smart contract in the blockchain between the business operator device and the primary laborer device. Upon job completion, the method verifies that all job requirements plus quality standards are satisfactorily met and signatures of both the business operator device and the primary laborer device are validated, the method transmits a compensation of a predetermined type and amount of cryptographic token to the primary laborer device. With any disputes, the method further provides an arbitration process.

Abstract: Lead to recognition time delay data, leads and sales data, and lead distance data for leads arriving at a system within a time range can be used to determine a time variable close rate and a distance adjustment thereof which, in turn, can be used to generate a predicted close rate for each lead. Using the predicted close rate for each lead, an address drive distance for each lead, and dealer-level discount information, a logistic regression model can be trained to generate a score for each combination of a dealer, make, and zip code. Each score indicates a probability of closing a sale between a lead in the zip code and the dealer in the combination. Scores thus generated can be used by a computing facility in recommending dealers to a consumer in the zip code who has expressed an interest in purchasing a vehicle of the same make.

Abstract: A transportation analytics (TA) computing device may be provided. The TA computing device may include at least one processor in communication with at least one memory device. The at least one processor may be configured to: (1) receive, from a user mobile device corresponding to a user, telematics data corresponding to a trip taken using a transportation platform; (2) store, for each trip, the telematics data in a database in association with a trip identifier and a timestamp; (3) perform a lookup in the database to identify, based upon the timestamps, telematics data corresponding to a time period; (4) calculate, in response to identifying the telematics data, based upon the identified telematics data, a premium amount; and/or (5) transfer, in response to calculating the premium amount, the premium amount from a transportation platform account associated with the transportation platform to an insurer account associated with an insurer.

Abstract: A computer-implemented method includes accessing data from distinct data domains corresponding to different data sources, and determining a core dimension of the accessed data common to first and second distinct data domains. The method further includes generating a data set from the data sources using a columnar data generation engine, and deriving, from the data set via stateless processing, a first guided page including actionable elements depicting data derived from the first distinct data domain. The method further includes responsive to a user interaction with one of the actionable elements, providing, dependent on the common core dimension, direct navigation from the first to the second distinct data domain, and predicting, from the data set based on machine learning and prior to the user interaction, a second guided page that depicts data derived from the second distinct data domain and is presented responsive to the direct navigation.

Abstract: A computer-implemented method for improving performance of a service representative that provides services. The method comprises determining a performance indicator representing performance of the service representative and if the performance indicator meets a condition, starting a computing process on a computing device to interact with the service representative in order to improve the performance of the service representative.

Abstract: Disclosed herein are embodiments for automated intelligent price guidance of listings for a for sale object (FSO) being offered by a seller. Some embodiments may operate by: receiving information relating to the FSO, including specifications for selling the FSO, wherein the specifications include an original offer price and a time window for selling the FSO; determining a category of the FSO; generating an optimal offer price for the FSO based on one or more of: (a) past listings of previously sold FSOs that have a same or similar category of the FSO; (b) the specifications, including the time window; (c) a category decay curve applicable to the category; and (d) seller flexibility curve of the seller; and through the use of a machine learning neural networking analysis suggesting the optimal offer price to the seller as an offer price for a listing corresponding to the FSO, wherein this price is evaluated over time and suggestions are made accordingly.

Abstract: Systems and methods for using kits as a source of inventory in a fulfillment center are described herein. The example systems can be configured to receive a determination to use a kit as a source of a first item, where the kit comprises the first item and a second item. The determination can be based on a low inventory threshold for the first item as well as order data for the first item and the kit. The systems can identify the kit location and create a kit disassembly pick job. The kit disassembly pick job can identify the kit location and provide instructions for disassembling the kit. The systems can transmit the kit disassembly pick job to an autonomous vehicle for completion.

Abstract: Techniques for communicating with a third-party management database are described herein. According to an embodiment, a computer receives a search-style query, searches the third-party management database, retrieves multiple computer-readable database search strings, displays the computer-readable database search strings, and receives a selected computer-readable database search string. In response, the computer queries the third-party management database using the selected search string, returns a temporary variable associated with a supplier risk score, and receives a command to perform a decision step as part of a workflow.

Abstract: Systems and methods are disclosed for a customer relationship management system for a retail electric energy provider. A customer valuation engine is applied to evaluate customer data to make customer valuations, continuously or on-demand, in support of customer service through a call center. In a preferred embodiment, monthly average profitability is determined as one customer valuation and probability of attrition is determined as another customer valuation. A customer retention matrix and a customer treatment matrix are developed based constructing a graph of customer monthly average profitability and probability of attrition. The customer retention matrix provides a set of instructions to a call center operator to aid the operator in communicating with the customer while helping retain the customer. The customer treatment matrix provides a set of instructions to a call center operator to aid the operator in communicating with a customer about late bills, disconnects and other treatment situations.

Abstract: A system includes a proposal engine configured to present quotes and/or proposals to customers at a network site.

Abstract: In one aspect, an example method includes (a) determining, via a thermal conductivity sensor of an automobile damage detection device, one or more thermal conductivities at one or more locations on an automobile; (b) transmitting, via a network interface of the automobile damage detection device, a request for anticipated thermal conductivity data from an automobile claims system, wherein the anticipated thermal conductivity data corresponds to anticipated thermal conductivities at the one or more locations on the automobile; (c) in response to transmitting the request, receiving, via the network interface from the automobile claims system, the anticipated thermal conductivity data; and (d) in response to receiving, from the automobile claims system, the anticipated thermal conductivity data, displaying, via a graphical user interface, a graphical representation of the determined one or more thermal conductivities and the anticipated thermal conductivity data.

Abstract: The present disclosure provides a mechanism for facilitating appropriate pricing for an item to be listed for sale on an electronic commerce platform. In an information processing method, one or a plurality of processors included in an information processing device performs: obtaining first item information of a first item; performing sales evaluations for price ranges of the first item and obtaining evaluation information on the sales evaluations, the sales evaluations being performed based on sales information of second items matched with or similar to the first item, the second items being extracted by using the first item information from among items registered in an electronic commerce platform; and performing control to display the sales evaluations for the price ranges of the first item by using a plurality of regions identifiably on a screen, based on the evaluation information.

Abstract: Provided is a computer-based supplier knowledge management method, system, and computer program product. The system embodies the computer program code which, when executed performs the method. The method includes establishing an electronic profile for one or more users from an entity; establishing an electronic supplier profile for each of a plurality of suppliers, each supplier profile comprising a set of supplier keywords; generating an electronic RFI by an entity user, the RFI comprising a set of user specified RFI keywords corresponding to a project; and electronically processing the RFI, including performing keyword matching between the RFI keywords and one or more of the supplier profiles and generating a list of candidate suppliers for the project based, at least in part, on the keyword matching.

Abstract: Disclosed herein are methods, systems, and devices for facilitating heating, ventilation, and air conditioning (HVAC) air filter replacement on at least one computing device. One method includes identifying interface requirements for a set of services to be implemented between service oriented architecture (SOA) front-end components and SOA back-end components. One of the SOA front-end components is configured to communicate with a home automation system of a first user and one of the SOA front-end components is configured to communicate with a graphical user interface (GUI) associated with the first user. One of the SOA back-end components is configured to communicate with a weather service database and one of the SOA back-end components is configured to communicate with an order fulfillment service. The SOA front-end components are operable to be combined with the SOA back-end components to form an operable SOA solution.

Abstract: The present disclosure generally relates to database modification, and in particular, database modification in the context of networked platforms accessible by user computing devices. One example context to which such database modification techniques can be applied is a network provider providing a plurality of individual network portals via which users may acquire network resources and perform other transactions. Acquired network resources can subsequently be transferred to other users within or outside the communication network, and the original owner of the network resources may specify resource transfer options that specify the rules that govern these subsequent transfers. Further, these transactions may occur via network portals and/or physical portals associated with the users of the communication network. The network provider may maintain a database that keeps track of the network resources and update the database as these transactions occur.

Abstract: Embodiments of the application are directed toward a method comprising: receiving, by a transaction management computing apparatus, an electronic payment estimate via a secure communication channel for services rendered by a provider; receiving determining a likelihood of payment acceptance by generating, by the transaction management computing apparatus, an payment amount acceptable to the provider computing device based on data associated with the provider computing device, a type of service provided, or a number of days to make the payment; determining, by the transaction management computing apparatus, whether the generated exact amount is acceptable to the provider computing device; and completing, by the transaction management computing apparatus, a payment transaction with the generated exact amount when the generated exact amount is determined to be acceptable to the provider computing device.

Abstract: An object of the present invention is to provide a flowerbed sales order system, which enables a user to order a flowerbed with a simple method without having the user design the flowerbed from scratch. The present invention relates to a flowerbed sales order system comprising a user terminal and a server apparatus capable of communicating with the user terminal, the system comprising: a flowerbed storage that stores information regarding flowerbeds; a flowerbed recommendation displayer that recommends and displays a flowerbed based on a prescribed condition; an order placement request transmitter that transmits an order placement request of the recommended and displayed flowerbed; and an order placement request receiver that receives the order placement request.

Abstract: Techniques for determining a metric for an item that represents a condition of the item are described herein. For example, a request for a metric determination for an item may be received where the request is associated with a user identifier. Browsing history information and purchase history information from a website may be obtained based at least in part on the user identifier. The browsing history information and the purchase history information may be filtered to obtain a data set based at least in part on a plurality of item categories associated with items included in the browsing history information and the purchase history information. A metric for the item may be determined based at least in part on the data set and a base metric for the item.

Abstract: Aspects of the current subject matter are directed to implementing a distribution scenario in a system. In particular, implementations of the current subject matter provide for a designating client device to create a group of distributing client devices for events among and with a plurality of second client devices. Implementations of the current subject matter further relate to automatic assignment of items among the group of distributing client devices, the assignment based on designating client device-established constraints, and to providing an aggregate view of information related to the automatic assignment of the items to allow the designating client device to manage the items.

Abstract: A device may receive entity data identifying parameters needed by entities to generate a quotation, and entity encryption data identifying homomorphic encryption schemes supported by the entities. The device may receive, from a client device, a smart contract that includes a request for a quotation, client encryption data identifying homomorphic encryption schemes supported by the client device, and identification data identifying the entities. The device may encrypt the data included in the smart contract, based on the entity encryption data and the client encryption data, to generate encrypted data. The device may generate a modified smart contact by replacing the data included in the smart contract with references to the encrypted data. The device may provide the modified smart contract to server devices associated with the entities. The device may receive, from the server devices associated with the entities, the modified smart contract with quotations.

Abstract: In some embodiments, methods and systems are provided that provide for delivering products to customers while analyzing and satisfying product-associated and/or delivery location-associated restrictions. The delivery attempt of the products is commenced after the product-associated restrictions are determined to be satisfied. The delivery of the product or products to the customer or an authorized person is authorized after the delivery location-associated restrictions are determined to be satisfied.

Abstract: In an example involving a transaction conducted between a first party using a user mobile-identification-credential device (UMD) and a second party using a relying party system (RPS), RPS receives a request from UMD for transfer of an item, requests identification information of the first party from UMD, receives, based on consent of the first party, some or all user ID information associated with a mobile identification credential (MIC) which UMD received from an authorizing party system (APS), receives verification of the received user ID information, uses the verified user ID information to verify or not verify an identity of the first party, grants the request to transfer the item in exchange for payment or another item to be transferred from the first party to the second party when the identity of the first party is verified, and denies the request when the identity of the first party is not verified.

Abstract: Apparatus and methods for call management is provided. The apparatus may include system architecture comprising a first I/O platform, a processing engine and a second I/O platform. The first I/O platform may receive a call from a calling source and augment the call by pulling data from a calling sources database. The call may then be routed to the processing engine for a determination of whether cached data can satisfy a data request stored in the call. If the cached data cannot respond to the data request in the call, the processing engine may transmit the call to the second I/O platform. The second I/O platform may leverage a vendor data intelligence engine for selecting an appropriate data source to receive the call. The second I/O platform may subsequently format the call for transmission to the appropriate data source and, after the formatting, route the call.

Abstract: A method, computer program product, and computer system for receiving a first scan of an identifier from a first computing device is disclosed. The identifier is associated with a financial transaction. A second scan of the identifier is received from a second computing device. The financial transaction is processed based upon, at least in part, receiving the second scan of the identifier from the second computing device.

Abstract: The disclosed embodiments include a mobile client device for automatically performing a mobile financial service function, including a memory storing software instructions, the software instructions including a mobile financial service application configured to perform financial service processes. The system may also include and one or more processors configured to execute the software instructions to detect a physical action performed on the mobile client device, and determine a first financial service function to perform based on the detected physical action, wherein the first financial service function is a function provided by the mobile financial service application. The one or more processors may also determine whether verification of a user is required, verify the user if verification of the user is required, and automatically initiate the first financial service function.

Abstract: An exemplary system includes a blockchain system that includes a blockchain, a smart contract template, and a smart contract generated based on the smart contract template, the smart contract executable to facilitate, by way of the blockchain, exchanges between parties to the smart contract. The system further includes an interface system communicatively coupled to the blockchain system and configured to perform a set of operations to provide an interface to the blockchain system, the set of operations including receiving a user input from an application executed on a user computing device, translating the user input to a call to the blockchain system, and issuing the call to the blockchain system. The blockchain system is configured to perform, based on the call and the smart contract, an action on the blockchain that represents an exchange between the parties to the smart contract.

Abstract: Embodiments of the present disclosure provide a method and apparatus for document recommendation by obtaining a plurality of first data for a source recommendation task from activities related to a source user using a plurality of first documents; obtaining a plurality of second data for a target recommendation task from activities related to a target user using a plurality of second documents; performing the target recommendation task based on the plurality of first data, the plurality of second data, and knowledge transferred from the source recommendation task to obtain a target recommendation model; and conducting document recommendation to the target user using the target recommendation model.

Abstract: A policy-based printing system is implemented to allow access to a private domain to print using a public domain. The private domain includes private servers that store documents. The public domain includes servers and a printing device. A public policy server uses a domain list and a protocol connection with a private authentication server to validate a user and identify which private domain to access. The public policy server receives requests from the printing device to process a print job of a document in the private domain. A mobile device is used to coordinate the retrieval and printing of the document using an application. A kiosk may be used to send the document to the printing device from the mobile device.

Abstract: In certain embodiments, a system includes a processing system and tangible computer-readable media accessible by the processing system. The tangible computer-readable media may store software and purchase order identifications. Each purchase order identification indicates a respective one of a plurality of purchase orders, and each purchase order identification is globally unique with respect to each other. The software when executed by the processing system is configured to access a request comprising a first purchase order identification. The request had been generated at a client device that had decoded the one of the plurality of purchase order identifications from an optical scan of a code provided with packaging of one or more products of the respective purchase order indicated by the first purchase order identification. The software further generates data comprising information that facilitates returning at least one of the one or more products for receipt by the client device.

Abstract: Systems and methods include a computer-implemented method for autonomous procurement. User inputs defining a procurement request are received through a user interface. A pro forma contract is created, including performing a syntax analysis, a semantics analysis, and a pragmatic analysis on the user inputs to create a variables matrix of variables defining the pro forma contract. Bidders for the pro forma contract are selected, including creating a bidder list identifying suppliers who are to be invited to participate in bidding or submitting a quotation. A statement of work (SOW) is created based on the variables defining the pro forma contract. Solicitations of interest including the SOW are issued by the autonomous procurement system to bidders identified in the bidder list. Bidding parties are evaluated to identify qualified bidders. A winning bidder is selected from the bidding parties, and a final contract for the winning bidder is created.

Abstract: Systems and methods for providing a transportation marketplace are provided. A transportation server receives, from a client device of a user, a request for a transportation service. The transportation server determines a set of drivers in response to the request, the set of drivers further being available to provide the transportation service when the request is received. The transportation server provides the set of drivers to the client device, wherein each driver within the set of drivers is selectable by the user of the client device.

Abstract: The present invention is directed towards systems and methods for matching buyers to dealers of the same type of vehicle. Buyer bids are ranked based on receipt time. Buyers specify a search radius corresponding to dealers. Dealer offers correspond to an acceptable amount for the vehicle. A high price is computed for each vehicle from dealers relative to buyers based on dealer offers and MSRP. A final price is computed for each vehicle based on dealer offers, the search radius, and the high price. Final prices are ranked based on the distance from buyer to dealer and the buyer bid dealer offer difference. The match is based on the highest rank final price for the corresponding dealer to an earliest received buyer bid that has not been matched if the vehicle offered by the corresponding dealer is available.

Abstract: At least one next-action relevant to a publisher application and at least one service provider application associated with the at least one next-action is received at the publisher application and from a backend service. The at least one next-action is rendered, where a user's interaction with the rendered at least one next-action enables the user to preview inventory information from the at least one service provider application and to place an order. Payment information of the user is received at the publisher application and from a payment provider. The order and the payment information is sent to the service provider application though the backend service, and a status of the order is presented to the user.

Abstract: A system receives information for a plurality of invoices having invoice amounts owed by a debtor-buyer to a plurality of creditor-suppliers, a cash pool amount for a cash pool available by the debtor-buyer for early payment of at least some of the invoice amounts, and a desired return rate, receives a plurality of offers, each offer from a corresponding creditor-supplier and comprising an offer return rate, determines whether each of the plurality of offers is eligible for acceptance based on each offer return rate from each offer and the desired return rate for the buyer and selects one or more invoices each having an invoice amount, and transmits award information to the debtor-buyer.

Abstract: Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for securely processing remote transactions. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a mobile device comprising a server computer receiving a payment request including encrypted payment information. The encrypted payment information being generated by a mobile payment application of the mobile device and being encrypted using a third party key. The method further comprises decrypting the encrypted payment information using the third party key, determining a transaction processor public key associated with the payment information, and re-encrypting the payment information using the transaction processor public key. The method further comprises sending a payment response including the re-encrypted payment information to a transaction processor.

Abstract: A computer system processes a message from a user mobile device by receiving the message from the user mobile device, wherein the message comprises a purchase request, and then determining a matching purchase offer in a database containing a plurality of purchase offers, wherein the matching purchase offer corresponds to an offer identified in the purchase request. The system then transmits a purchase request to a purchase agent at a third party provider that is associated with the matching purchase offer, and processing a purchase transaction received from the purchase agent at the third party provider.

Abstract: A system and a method for determining whether a refund has been issued by at least one of multiple parties having potential responsibility for issuing a refund. Issuance of multiple refunds to a claimant or claimants, or chargebacks to acquirers when a refund has been issued is prevented. The system includes an electronic storage device that has a database of data concerning transactions, including data as to whether a refund has been issued, an access path that allows access to and supplementing of data concerning a transaction, and a processor for assembling the data concerning the transaction so that access is provided to the multiple parties granted selected access to the data.

Abstract: A computer-based method for obtaining repair estimates for a vehicle, and a related network server, are provided. The method comprises receiving a vehicle identification number (VIN) over a network from a customer computer, retrieving vehicle information, associated with the VIN, from a database, sending the vehicle information and a graphical representation of the vehicle, including a plurality of selectable vehicle damage locations, over the network to the customer computer, receiving a selection of at least one vehicle damage location over the network from the customer computer, receiving at least one image of the vehicle over the network from the customer computer, storing the vehicle information, the selected damage location and the vehicle image as a repair job in a non-volatile memory or the database, and sending a notification, indicating that the new repair job is available for review, over the network to at least one repair provider computer.

Abstract: A system and method for automatically changing the operation of a mobile device in response to a presence of information is described. In some examples, the system determines an information capture device is proximate to text, automatically changes operation of the capture device to a certain mode, captures the text, and performs an action associated with the captured text.

Abstract: Disclosed herein are system, method, and computer program product for a transporting of a good. An embodiment operates by receiving a user request for the transporting of the good from a pickup location to a destination location. Thereafter, a corresponding pickup, first intermediate, a second intermediate, and destination node are identified on a pre-generated graph, and transportation edges each relating to a transit cost associated with one of the pickup, first intermediate, second intermediate, and destination locations. Subsequently, a subgraph of of the pre-generated graph comprising the pickup, first intermediate, second intermediate, and destination node, as well as the transportation edges, are generated. Based on the subgraph, Based on subgraph, a preferred route from the pickup location to the destination location having a lowest transit cost for transporting the good is generated.

Abstract: Methods and systems for facilitating group payment are disclosed. In one embodiment, a group payment system is configured to execute instructions to perform operations that include receiving, from a first computing device, a request to create a group payment event and, in response, providing to the first computing device a first interface associated with the group payment event. The operations further include receiving, from a second computing device, a request to join the group payment event and, in response, providing a second interface to the second computing device. The operations further include receiving, from the first and/or second computing devices, messages associated with the group payment event and modifying the first and second interfaces to display the messages. The operations further include receiving, from the first and/or second computing devices, financial contributions for the group payment event and modifying the first and second interfaces to display the financial contributions.

Abstract: A system for monitoring planogram compliance on a store shelf is disclosed. The system may include a plurality of detection sensors and a processor. The processor may be configured to receive first signals from a first subset of detection sensors after a plurality of products are placed on the store shelf, and use the first signals to identify at least one pattern associated with a product type of the products. The processor may further be configured to receive from a second subset of detection sensors second signals indicative of no products being placed on at least one area of the store shelf, and use the second signals to determine at least one empty space on the store shelf. The processor may also be configured to determine, based on the at least one pattern and the at least one empty space, at least one aspect of planogram compliance.

Abstract: Methods, processes, and devices for dynamic service matching include collecting provider data from a plurality of providers, receiving a service request by a user, processing the service request based on the collected provider data, sending, via a network, the processed service request to at least one of the plurality of providers, receiving at least one service bid from the at least one of the plurality of providers wherein the at the least one service bid includes service data, filtering the at least one service bid based on the service data, sending, via a network, the at least one filtered service bid to the user, receiving a selection input from the user, and establishing a direct communication channel between the user and the provider based on the received selection input.

Abstract: System and methods for aggregating key metrics across an account hierarchy are disclosed. The server system accesses a first transaction record, wherein the first transaction is categorized into a first category. The server system analyzes an account record associated with the first account to determine a parent account of the first account. The server system identifies a second transaction record associated with a second account. The server system compares a first address of record for the first account to a second address of record for the second account. In accordance with a determination that the first address of record matches the second address of record, the server system aggregate the first transaction and a second transaction listed in the second transaction record into a combined transaction. The server system categorizes the combined transaction into a second category, wherein the second category is different from the first category.