Abstract: Provided are computer implemented methods and systems for issuing mobile payment cards via a mobile communication network. A mobile payment card may be provided to a user mobile device shortly after applying for the card issuance. A user utilizes his mobile phone to submit the application and enter user authentication information, which is used for calculating his creditworthiness rating. Based on the creditworthiness rating, a user profile is created and sent to a payment card issuing entity that considers the user profile and makes a determination as to whether or not to approve the mobile payment card issuance. In case of approval, the mobile payment card is transmitted to the user mobile device. The mobile payment card may include a payment barcode displayable on a display of the user mobile device. After scanning the displayed barcode by a barcode scanner of the merchant, the mobile payment card may be charged.

Abstract: Provided are computer implemented methods and systems for selling products and services using crowdsourcing. An exemplary method comprises receiving information associated with a crowdsourcing item. The crowdsourcing item is associated with an owner of the crowdsourcing item. The information includes a target amount for crowdsourcing. One or more contributions associated with the crowdsourcing item are received from one or more users. The total amount of the contributions is periodically calculated. When determined that the total amount has reached the target amount, the total amount is transferred to the owner. Additionally, the crowdsourcing item may be produced by the owner using the contributions and delivered to the users who made contributions either by one item to each of the users or by a share of the crowdsourcing item proportional to the contribution made.

Abstract: Provided are an augmented reality eyeglass communication device and a method for facilitating shopping using an augmented reality eyeglass communication device. The augmented reality eyeglass communication device may comprise a frame, and a right earpiece and a left earpiece connected to the frame. Furthermore, the eyeglass communication device may comprise a processor configured to receive one or more commands of a user, perform operations associated with the commands of the user, receive product information, and process the product information. The eyeglass communication device may comprise a display connected to the frame and configured to display data received from the processor. In addition to that, the eyeglass communication device may comprise a transceiver electrically connected to the processor and configured to receive and transmit data over a wireless network.

Abstract: A method for calculating a social credit score based on online activity of a user is provided. Online activity may be monitored and processed to calculate an indicant of user activity and its influence on other users to obtain a social credit score of the user. Social credit scores may be used to stimulate users to be more active in their online socializing, share their content, and provide information. Social credit scores may be a source of information for advertisers, employers, bankers, and others. Information on social credit scores may be analyzed to determine users with high scores to distinguish top score users and mark them with special prizes, titles, or symbols. Additionally, a list of top scorers may be published via a social networking engine or otherwise as an additional factor of stimulation for other users.

Abstract: Provided are computer implemented methods and systems for facilitating mobile device payments using a mobile payment account. When a user is ready to tender a payment to a merchant, instead of using a credit card, cash, or check, the user activates on his mobile device an application associated with a mobile payment account of the user. The mobile payment account is associated with user information and with a mobile payment service provider. The mobile device generates a payment barcode that encodes data of the mobile payment account and displays the payment barcode on a display. After scanning the displayed barcode by a barcode scanner of the merchant, the mobile payment account of the user may be charged.

Abstract: Provided is a system for competitive investment raising for a venture project. The system may include a memory to store data on a number of venture projects, and a processor communicatively coupled to the memory. The processor may be configured to receive the data on the number of venture projects, and assign one or more of the number of venture projects to a venture capitalist. The venture project assigned to the venture capitalist may be an assigned venture project. The processor may be also configured to provide a pre-investment amount to the assigned venture project; periodically receive a progress report from a representative of the assigned venture project; periodically receive an evaluation of the assigned venture project; based on the evaluation, periodically determine failed venture projects that drop out of the competitive investment raising; and determine a winning venture project. The winning venture project may receive an investment amount.

Abstract: Provided are methods and systems for delivering educational products and services via a cloud massive online open course. Users may access the cloud massive online open course at any point of time using a networked client device. Educational resources are stored on a remote server of a cloud provider and are delivered to users over a network using cloud computing services. Users are also provided with tools for interaction within a cloud education environment. Along the learning process users of the cloud massive online open course may communicate with each other within the cloud education environment and share educational content with each other. Users' learning activity may be graded through online assessment.

Abstract: Provided is a wearable personal mini cloud game and multimedia device and systems and methods for accessing game and multimedia data using the wearable personal mini cloud game and multimedia device. The wearable personal mini cloud game and multimedia device comprises a processor, a memory unit, a communication circuit, and a housing. The processor is configured to communicate with a game and multimedia server over a network to transfer game and multimedia data according to a user request, and transmit the game and multimedia data to one or more external devices, the game and multimedia data being displayed or reproduced by the one or more external devices. The communication circuit is configured to communicate with the network and the one or more external devices.

Abstract: Provided is a table tablet computer for facilitating a process of ordering product items and making mobile device payments. The user may select product items via interface of the table tablet computer and send an order request to a merchant. Upon receipt of an order from the merchant, the user may send a check-out request to transfer payment for the order. Once the check-out request has been received, the merchant may transmit an invoice to the table tablet computer. The invoice may include a barcode, which may be scanned by a mobile device, a barcode scanner, an external device, or any other personal digital device of the user. The barcode may encode data associated with the order. The data associated with the order may include payment data of the merchant, the product items, and a total price of the order.

Abstract: Provided is a wearable personal digital (WPD) flexible cloud game, multimedia, communication and computing device, a method for accessing game and multimedia data and performing communications using the WPD flexible cloud game, multimedia, communication and computing device, and a method for facilitating payments using a WPD flexible cloud game, multimedia, communication and computing device. The WPD flexible cloud game, multimedia, communication and computing device comprises a flexible display, a flexible power source, a processor, a memory unit, and a communication circuit. The processor is configured to communicate with a game and multimedia server and a communication server over a network to transfer game, multimedia and communication data, and transmit, upon a user's request, the game, multimedia and communication data to one or more external devices.

Abstract: Provided are methods and systems for advertising using interactive mixed media, which are based on providing multiple advertising content components in the same user interface and allowing users to switch between the different advertising content components using a content selection tool provided by the interface. Specifically, different content formats may be simultaneously combined in the same user interface, and then modified by the user to constitute the most optimal collection of the advertisement content components. A user may toggle between the different advertisements content components to gather additional information. For example, the initially presented content may provide some general product information. The user may then choose to explore some specific features of the product by selecting some specific part of the content. Furthermore, the user may select content that is more suitable to this particular user.

Abstract: Provided is a device and methods for facilitating mobile device payments using a wearable personal digital device. The device may comprise a processor, a memory unit, a timepiece module, a communication circuit, a display, a camera, control elements, a connection port, and a band adapted to secure the device on a human body or clothes. The processor may be configured to retrieve information encoded in a barcode, generate barcodes, display retrieved information and barcodes on the display. Additionally, the device may comprise a swipe card reader to make payments using the wearable personal digital device by swiping a payment card through the device. In addition to that, the device may comprise one or more sensors and one or more accelerometers to measure biometric parameters of the user, display measured parameters on the display, and store the parameters to the memory of the device.

Abstract: Provided are a wearable personal digital eyeglass device and a method for interfacing a user with a wearable personal digital eyeglass device. The wearable personal digital eyeglass device may comprise a right earpiece and a left earpiece connected by a cable, a nosepiece portion consisting of a right nosepiece and a left nosepiece connected to each other by a connector, a display, a transceiver, an earphone, and a sensor. The right nosepiece may be connected to the right earpiece, and the left nosepiece may be connected to the left earpiece of the wearable personal digital eyeglass device. The transceiver may be configured to receive data from a control device, receive one or more commands of the user, and transmit the data and the one or more commands to the control device.

Abstract: Provided are novel methods and systems for selecting members of virtual governments of online communities and establishing various honor systems in the online communities. Proposed techniques may be used to stimulate certain activities of online community members and discourage other activities. A self-governance system may be established within an online community through active participation of its members. In certain embodiments, activities are associated with reward points, and members can accumulate these points based on completing one or more of these activities. Members with the most accumulated points are appointed to the virtual government of their communities and/or rewarded for their efforts. Some examples of activities include participating in social network forums, conducting product reviews, and purchasing and/or selling products. Activities may be categorized in order to identify category winners as well as overall winners.

Abstract: Provided are methods and systems for receiving compensation for using mobile payment services. A customer may register with a mobile payment service provider and provide customer payment information. Based on the customer payment information, the customer may receive a unique code which may be scanned by a scanner of a merchant to transfer payment for products. Additionally, to encourage the customer to further use mobile payment services, the customer may receive a compensation which may be provided according to predetermined criteria. Based on the compensation, the customer may receive a free mobile device from the mobile payment service provider. A high amount of the compensation may entitle the customer to receive free insurance services and free bank services from a bank of the mobile payment service provider. Furthermore, the mobile device received from the mobile payment service provider may be also repaired or exchanged free of charge.

Abstract: Provided are methods and systems for preventing card payment fraud and receiving payments using codes and mobile devices. To pay for a product, a new code payment card without visible digits may be created. A code associated with the code payment card may encode customer payment information and may be scanned by a merchant to receive payment for products. Upon scanning the code, it may be sent to a server. The server may then decode the code for retrieving customer payment information. Based on the customer payment information retrieved and product information stored on the server, purchase transaction may be processes. Based on the processing, a merchant may receive payment for products. The payment may be received from a customer account.

Abstract: Provided are methods and systems for facilitating mobile device payments using codes and cashback business model. Upon installation of an application on a mobile device, a customer may specify his payment information, which may include data on a credit/debit card or a bank checking account. Once the payment information has been specified, the customer may receive a unique code encoding his payment information. The customer may then start scanning product barcodes with his mobile device. To make payment for products, the unique code displayed on a screen of the customer mobile device may be scanned by a payment receiver mobile device. The payment receiver mobile device may further display customer records stored in a database of a payment processing system. Based on the customer records, the customer may be provided with various cashback opportunities, as well as credits and discounts.

Abstract: Provided are computer implemented methods and systems for facilitating mobile device payments using product scanning and wireless communication functionality of mobile devices. Using a mobile device, a customer may read product codes and receive product information, which may include a product price, a manufacture date, a manufacturing country, a quantity of products. When reading the product codes, the customer may be also provided with promotional offers and advertising material from a merchant, a mobile payment service provider, or a third party. Upon reading the product codes, the reading may be stored in a list on the mobile device. The user may further send a request to calculate a total price of the products read by the mobile device. The total price may be encoded in a code scannable by a merchant scanning device.

Abstract: Provided are novel methods and systems for integrating various aspects of online retailing and social networks to provide more effective and efficient online shopping experience. Social networks are designed to gather and manage information about their users and users' environments and may include features such as ranking users' connections, interests, activities, and even credibility. This social networking information may be leveraged to provide tailored product information to the users. As such, social networks also serve as marketing tools that are at least in part driven by the users. Users are expected to pay more attention and to trust product information and product offerings that came from their own social groups as opposed to traditional marketing channels, such as online ads.

Abstract: Embodiments of computer implemented systems and methods for providing discount offers via an internet directory interface are described. One example method includes receiving, from a user, via a user interface, a request to search for one or more discount offers associated with a product, the request being associated with search criteria, facilitating the search for the one or more discount offers through an integrated search engine based on the search criteria, providing search results, the search results including one or more discount offers for the one or more products, receiving, from the user, a selection of a product from the search results, the selection of the product including a product quantity, and providing the user with a specific discount offer for the product based on the selection.