Abstract: A stand for an electronic device having a camera at one end, where the stand includes: an elongate base having a target end, a device end, a first side, and a second side; a tray disposed on a top surface of the target end adjacent to the first side of the base; a foot extending from the device end; and a device support extending upward from the base between the device end and the target end of the base. The device support has a height and a distance from the foot such that a camera of an electronic device can capture an image of an object or document located in the tray when the device is resting on the foot and the device support.

Abstract: Systems and methods enable third-party applications and devices to interface with financial service provider computer networks in a secure, compliant manner. In one embodiment, an interface computing device connected to a provider computer network transmits a registration request message to a custodian. The interface computing device receives a registration request response message from the custodian indicating whether the registration request was approved or denied. The interface computing device receives a data request message requesting data stored on the provider computer network. The interface competing device gathers data stored on the provider computer network, sanitizes the data, and generates a response communication using the sanitized data.

Abstract: Disclosed is a method of processing a user's loan request to a bank and making recommendations to the user and the bank. The invention includes using a computer code that evaluates user submitted loan data, public bank data, and private bank data to calculate a bank's risk-adjusted return-on-equity and customer acquisition probability on a given loan. The bank's private data may include bank profile settings and bank historical data. The bank's public data may include UBPR and bank call reports. Also, the method may be utilized to analyze the bank's performance over time.

Abstract: Systems and methods permit the efficient and accurate aggregation and analysis of loan application data as well as the convenient display of the loan application data to a financial service provider. In one embodiment, a computing device associated with a financial service provider receives a loan application containing loan application data. The computing device performs a compliance and underwriting analysis and a verification analysis to validate inputs, authenticate customer identity, ensure compliance with regulatory requirements, and evaluate the risk posed by a loan application, among other features. If the verification analysis indicates that supplemental loan application data is required, the provider computing device generates an application status message identifying the required supplemental data.

Abstract: Systems and methods enable the creation, administration, and enforcement of self-enforcing electronic contracts within a network-based participation exchange as well as the matching of participation opportunities with exchange participants having compatible profiles. In one embodiment, participation opportunity data is provided to an exchange participant computing device, and the exchange participant computing device transmits a participation opportunity purchase request to an exchange network computing device. In response to the purchase request, the exchange network computing device generates an electronic contract.

Abstract: Systems and methods permit flexible and convenient customer account opening to minimize both customer friction and the risk to financial service providers. In one embodiment, a computing device associated with a financial service provider receives an account application containing customer information and a request to open a new account or a request to upgrade an existing account. The computing device performs a verification analysis to validate inputs, authenticate customer identity, ensure compliance with regulatory requirements, or evaluate the risk posed by a customer. The computing device performs a recommendation analysis to determine the appropriate product types and account restrictions that should be offered to a customer, if any. The computing device creates an account application status message indicating approval or denial of the account application.

Abstract: Systems and methods enable the real-time authorization of payment transactions initiated by personal and mobile computing devices. In one embodiment, a financial account server associated with a payment recipient, or payee, is configured to receive a payment data envelope from a payee computing device. The payment data envelope can originate from a payer computing device and include transaction information obtained from an identity management service associated with the payer. The payment data envelope can further include information that allows for the authentication of the payee and payer identities as well as payment instructions. The payee financial account server processes the payment data envelope and transmits the envelope to a financial account server associated with the payer.

Abstract: Systems and methods enable the processing of a customer-support request by allowing customers to initiate a support request through a computing device without the need for the customer to provide information relating to the customer's reasons for initiating the request. In one embodiment, a server associated with a provider receives a support request from a customer computing device. The provider server performs predictive analysis to determine the most likely reasons the customer initiated the service request. The provider server also identifies one or more representatives qualified to address the support request and transmits a support request notification to a computing device associated with a provider representative who is qualified to address the request.