Abstract: Aspects of the disclosure describe systems and methods for analyzing images captured by a mobile communications device. A server may transmit a request for a digital image to the mobile communications device. The mobile communications device may use a camera to capture a digital image in response to receipt of the request. The quality of one or more portions of the digital image may be verified. The mobile communications device may transmit the digital image to the server for further image processing and image analysis. The server may process and analyze the digital image to segment and identify particular regions of interest such as regions having printed or handwritten text. The server may extract the text from the digital image and use the extracted text to execute an automated electronic transaction.

Abstract: Aspects herein describe at least a new method, system, and computer readable storage media for facilitating bill payment by way of using an image of a check. A computing system may transmit a bill payment request to a wireless computing device associated with an account holder of a bill payment account. The computing system may determine whether an account holder of the bill payment account holds a funding account held at the first organization, and as a result, may transmit a request to the wireless computing device for an image of a check associated with a second organization when the account holder of the bill payment account does not hold a funding account at the first organization. Bill payment may be made by way of an ACH transaction using a routing number and an account number obtained from the image of the check.

Abstract: Consumer behavior may be modeled to measure the effectiveness of consumer marketing campaigns and to calculate the effect of other factors driving consumer behavior in the same markets. A dependent variable, such as product sales, product uses, or customer indications of interest in a product or business, may be associated with a marketing campaign potentially affecting the dependent variable. Data corresponding to the dependent variable for a plurality of markets over a period of time prior to a marketing campaign may be received and analyzed. A market matching process may be performed using the dependent variable data before the start of the marketing campaign, and a difference may be calculated between sets of matching markets for the dependent variable during the marketing campaign. An econometric modeling process may be performed on the calculated difference between the sets of matching markets, to measure the effectiveness of the marketing campaign and calculate the effect of other driving factors.

Abstract: A bundled mortgage package which includes several different features into a mortgage package, so that the process of actually obtaining a mortgage from a lender can be easier because the borrower's worries of the fees, charges, and other costs can be reduced or altogether eliminated since such fees charges and other costs may be combined, waived or otherwise resolved for the borrower is described. The lender may waive all lender fees, pay all 3rd party fees, and not require a lender's title policy. The lender may use the owner's title policy as the sole title insurance. A lender may not require mortgage insurance, waive fees associated with programs for borrower protection for involuntary unemployment or accidental death, guarantee that the loan will close within a certain period of time where the lender pays the borrower money if the loan doesn't close within the certain time period.

Abstract: A bundled mortgage package which includes several different features into a mortgage package, so that the process of actually obtaining a mortgage from a lender can be easier because the borrower's worries of the fees, charges, and other costs can be reduced or altogether eliminated since such fees charges and other costs may be combined, waived or otherwise resolved for the borrower is described. The lender may waive all lender fees, pay all 3rd party fees, and not require a lender's title policy. The lender may use the owner's title policy as the sole title insurance. A lender may not require mortgage insurance, waive fees associated with programs for borrower protection for involuntary unemployment or accidental death, guarantee that the loan will close within a certain period of time where the lender pays the borrower money if the loan doesn't close within the certain time period.

Abstract: In one embodiment, a method for authenticating a user of a mobile device is provided. The method comprises receiving a request from a client device to access a resource on a network; identifying a network address of the client device; retrieving a mapping of the network address to user identification information and device identification information; determining if the mapping is valid; preventing the request from reaching the resource if the mapping is not valid.

Abstract: In one embodiment, a method for authenticating a user of a mobile device is provided. The method comprises receiving a request from a client device to access a resource on a network; identifying a network address of the client device; retrieving a mapping of the network address to user identification information and device identification information; determining if the mapping is valid; preventing the request from reaching the resource if the mapping is not valid.

Abstract: In one embodiment, a method for providing proxy based caching services to a client device is provided. The method comprises selectively removing cookies from a message by an origin server to the client device; and caching the removed cookies separately for each unique combination of user identifier and client device identifier in the message.