Abstract: A system integration tool integrates an external service to run in conjunction with or as part of a remote business accounting system. The system integration tool includes a front-end component and a back-end component. The front-end component remotely accesses accounts receivable data from the accounting system. The back-end component merge each financial transaction within the accounts receivable data with a credit score of an entity associated with the financial transaction at a date associated with the financial transaction. The back-end component generates an external service that secures the accounting system against insecure financial transactions and embeds the external service to run as part of the accounting system. The external services alert the business as to insecure financial transactions that lead to bad debt or disqualify such transactions from entry into the accounting systems.

Abstract: Some embodiments provide computer or machine generated interfaces for maximizing an entity's credit score by rebalancing values for different credit variables constituting the credit score across different lines of credit obtained by the entity. The rebalancing is performed over primary credit variables including payment history, debt, length of credit history, new credit, and type of credit in use as well as secondary credit variables that form the primary credit variables. Some embodiments provide interfaces with adjustment tools including sliders for modifying different credit variable values and for presenting the actual real-world impact to the entity credit score resulting from the adjusted credit variable. Some embodiments further execute the rebalancing identified in the interfaces to realize the improvements to the entity's credit score.

Abstract: Some embodiments provide an independent authentication system for authenticating entities that have registered accounts across different online service providers on behalf of the service providers. The authentication system maintains a database of previously verified entity information. A service provider requests authentication by providing the authentication system with unverified and basic identifying information used by an entity when registering with the service provider. The authentication system attempts to match the registration information against previously verified information for a known entity. When a match is found, the authentication system generates a series of challenge questions. The questions are submitted to the entity through the service provider and answers are processed in order to authenticate the entity.

Abstract: Some embodiments provide a system that generates different customized decks of cards with each deck being customized for a different user with a condensed and filtered set of business data that is relevant to that user. The customizations are based in part on monitored user behavior and user interactions with the cards. Cards identifying businesses that the user has viewed for the most amount of time, recommended to others, approved, or positively reviewed or rated are assigned high values. Cards identifying businesses that the user has viewed for the least amount of time, rejected, or negatively reviewed or rated are assigned low values. The system then continually updates the deck to remove cards identifying business with the lowest values while adding cards identifying businesses that resemble other businesses with assigned high values.

Abstract: Some embodiments provide a communication tool that directly sends messages to accounts of different entities across different social media sites by automatically identifying and associating the accounts of the entities when the entities are referenced in the contents of the messages. Such identification and association is performed without the message originator manually specifying the accounts as intended recipients for the messages. The communication tool also automatically sends messages to different social media accounts of the message originator.