Abstract: Methods and systems for identifying geographic locations where a vehicle carriage of a vehicle may be scraped. The system includes a transceiver of the vehicle configured to receive scraping location data indicating one or more scraping locations, each scraping location being a geographic location where a risk of scraping the vehicle carriage exists. The system also includes a location sensor configured to detect a current location of the vehicle. The system also includes an electronic control unit (ECU) of the vehicle configured to determine whether the vehicle is approaching a scraping location of the one or more scraping locations based on the current location of the vehicle and the scraping location data. The system also includes an input/output device configured to provide a notification that the vehicle is approaching the scraping location of the one or more scraping locations.

Abstract: Systems and methods for dynamically allocating credit to a consumer or organization are disclosed. Transaction data for the consumer are stored and analyzed to determine whether or not to increase or decrease credit for the consumer. The systems and methods include analyzing past transaction data to determine whether or not a similar circumstance has faced the consumer in the past, whether or not the credit at that time was sufficient, and whether or not to change the present credit to the consumer in response.

Abstract: A system and method for authorizing, managing, and tracking expenses made by an agent on behalf of a principal is disclosed. The principal assigns a budget to the agent including parameters describing permitted expenditures. The agent requests of the principal via a Transaction Authorization System authorization for an expenditure. If the principal authorizes, the agent is permitted to make the transaction. The transaction is described and categorized by the agent via the Transaction Authorization System and information from the transaction, the budget, and the request process is compiled into a report.