Abstract: A method for asset evaluation and funding includes receiving, in a server, a request from a client device to access a digital item associated with an asset. The method also includes collecting a personal information of a user associated with the asset, assessing a status of the user based on the personal information, and collecting a historical information associated with similar users and similar assets. The method includes searching for values of the asset in a network, determining attributes of the digital item based on the value of the asset, the status of the user, and the historical information, and generating documents for the user, wherein collecting a personal information associated with the user comprises searching for a first information from a third party database, and requesting a second information from the user. A system and a non-transitory, computer-readable medium storing instruction to perform the above method are also provided.

Abstract: A system integrates credit card transactions into a financial management system used by a company to track and control budgets, etc. The system provides the controls and accounting for credit card transactions found for other types of transactions within the financial management system. The invention limits the card transactions using various limits not available to a credit card issuer and ensures that the transactions comply the financial system controls. The transactions can be obligated prior to or during the actual transaction with the bank and thereby subjected to the controls of the financial management system. Obligated transactions can be authorized for immediate payment. The invention provides for the complete reconciliation of the credit card transactions with bank records after the transactions occur using the obligation function to capture the transaction before it occurs, even the transactions that are immediately paid.

Abstract: A system for automatically testing an application system graphical user interface (GUI) includes first and second application servers communicatively connected across a communication network. The second application server retrieves a GUI page provided by the first application server as part of the application system, and identifies text elements and user input objects in an image of the retrieved GUI page. Each user input object is then associated with a text element. Test parameter values are retrieved from a database storing test parameter data, and the application system is tested. In particular, for each user input object of the GUI page, a respective test parameter value is provided that is associated in the database with a same text element as is associated with the user input object. A response of the application system is then monitored.

Abstract: A method and apparatus are implemented in one or more processors for processing various social media data received over a network for collection, analysis, and application to business logic and/or business applications. Based on personally identifying information of an account holder, social media data regarding the account holder is retrieved from one or more social media sources or a clearing house over the network. The retrieved social media data is processed (i.e., parsed and/or filtered, and validated) via certain criteria. A usefulness score for the social media data is computed based on various factors including at least one of an identity match value, a truth confidence value, and a context data relevance value. The social media data and its computed usefulness score can be presented to a user and business applications for further processing and treatment of the account holder.

Abstract: A method and apparatus are implemented in one or more processors for processing various social media data received over a network for collection, analysis, and application to business logic and/or business applications. Based on personally identifying information of an account holder, social media data regarding the account holder is retrieved from one or more social media sources or a clearing house over the network. The retrieved social media data is processed (i.e., parsed and/or filtered, and validated) via certain criteria. A usefulness score for the social media data is computed based on various factors including at least one of an identity match value, a truth confidence value, and a context data relevance value. The social media data and its computed usefulness score can be presented to a user and business applications for further processing and treatment of the account holder.

Abstract: A computer-implemented decision management process for evaluating a customer having more than one account. An iterative function, such as an iterative decision tree, is provided to evaluate the customer and each of the accounts interactively and interchangeably in a single pass. The iterative function has virtual attributes for accessing customer data and/or account data. The process iterates through the iterative function in accordance with the number of accounts of the customer.

Abstract: A method of managing case based promises to pay includes displaying a customer hierarchy. The customer hierarchy displays (i) a customer level with customer level information and (ii) plural account levels with account level information for respective multiple accounts of a customer needing collection. Also included is displaying action now amounts for the customer on the customer level and on the account levels of the customer hierarchy; wherein the account level information is rolled up into the customer level information. The method further includes interacting with a user to select the action now amount for an upper level in the customer hierarchy, and dispersing a partitioned amount of the action now amount to levels which the customer can promise to pay, for levels which are hierarchically below the level of the selected action now amount in the customer hierarchy.

Abstract: An object oriented trade finance system designed to support a large-scale transactional work flow on a global basis. The system supports all facets of the trade finance business including but not limited to letters of credit, collections, bankers acceptances and reimbursements. A trade finance system organized into a central and distributed location hardware architecture having a user interface of a user work station which communicates with an application server including business objects. The business objects communicate with a database to obtain the data needed for the business logic and include all the business logic needed for the system. Work flow distribution rules are used to distribute the work items to a work item list for work group that can be distributed geographically in different time zones and to allow processing to continue when the originally assigned workgroup has reached an end of its business day.

Abstract: The above objects can be attained by a system that creates system-created events at an optimal time independent of the billing process, and performs a continuous pricing process so that as events become available to the system they can be priced and summarized in real-time, allowing the billing process to be performed more efficiently. Usage and one-time events become available for pricing as soon as they are delivered to the system. System-created events, such as recurring, minimum charge summary, and maximum charge summary events, are created by the system based on a schedule defined by a subscription to which a customer has subscribed. Charges for events are re-calculated, if necessary, when information in the system, which impacts the charge of an event, changes. On demand pricing is performed when a charge for summary event, such as, a tiered discount plan summary, minimum charge summary, or maximum charge summary, is to be displayed or billed.

Abstract: The above objects can be attained by a system that creates system-created events at an optimal time independent of the billing process, and performs a continuous pricing process so that as events become available to the system they can be priced and summarized in real-time, allowing the billing process to be performed more efficiently. Usage and one-time events become available for pricing as soon as they are delivered to the system. System-created events, such as recurring, minimum charge summary, and maximum charge summary events, are created by the system based on a schedule defined by a subscription to which a customer has subscribed. Charges for events are re-calculated, if necessary, when information in the system, which impacts the charge of an event, changes. On demand pricing is performed when a charge for summary event, such as, a tiered discount plan summary, minimum charge summary, or maximum charge summary, is to be displayed or billed.

Abstract: A computer implemented method for facilitating the procurement of goods and services, comprising requesting any one of a plurality of procurement entities, completing procurement items associated with the requested procurement entity, and recording the procurement items.

Abstract: A computer-implemented method and system for creating a flexible case model for use in managing collections of multiple accounts of a customer needing collection. Attributes are defined, each of the attributes including a data source, wherein the data source can be inherited or rolled up. Plural different entity models are defined, wherein each of the entity models includes a plurality of the attributes, the different entity models being (i) a finance entity, and (ii) a promise entity which a customer can promise to pay. Plural collection object models are defined, wherein each of the collection object models includes a plurality of the entity models, including a finance entity and a promise entity. Where the plural collection object models sit in a case model hierarchy is defined, wherein a case represents multiple accounts of a customer needing collection.

Abstract: A method of managing case based promises to pay includes displaying a customer hierarchy. The customer hierarchy displays (i) a customer level with customer level information and (ii) plural account levels with account level information for respective multiple accounts of a customer needing collection. Also included is displaying action now amounts for the customer on the customer level and on the account levels of the customer hierarchy; wherein the account level information is rolled up into the customer level information. The method further includes interacting with a user to select the action now amount for an upper level in the customer hierarchy, and dispersing a partitioned amount of the action now amount to levels which the customer can promise to pay, for levels which are hierarchically below the level of the selected action now amount in the customer hierarchy.