Abstract: In an embodiment, the methods and systems disclosed herein utilize a cloud-based shipping plan generation system to generate a shipping plan for transport a shipment commercially. In an embodiment, information in collected on a number of commercial vehicle operators, commercial vehicles and shipments and the information is used as the basis for the generation of the shipping plan. In an embodiment, a dispatcher reviews two or more shipping plans and selects one shipping plan to be carried out by a commercial vehicle operator.

Abstract: Systems, methods, and non-transitory computer-readable media can determine that a user has requested a service that involves payment. Information associated with the user can be analyzed. It can be determined, based on the information associated with the user, that the user is eligible for a subsequent payment option. The subsequent payment option can be provided to the user as a line of credit applicable toward payment for the service.

Abstract: Methods and systems are described for identifying a likelihood that a client will provide payment for an overdue balance associated with the client's account and ranting a grace period to the client in which to provide the payment. This permits a client to provide payment for an overdue balance that may have been unintentional without an interruption of the services rendered to the client. Factors used to determine whether to grant the grace period include financial characteristics of the client's account. In the example of an advertiser using a social networking system to serve ads, social engagement of the advertiser can also be used to determine whether to grant a grace period.