Abstract: The present invention discloses a platform to track and collect data throughout a user's engagement with a mobile device independent of user engagement with any one app. The user may transition between apps without closing an opened app or returning to a home screen. The user engagement data across the apps may be used by data analytics to target ads for the user. The data analytics analyzes the user engagement data to discern the user's interest to generate the targeted ads. The present invention also discloses a platform to deliver and display dynamic, targeted ads on a mobile device at all times, even when the user transitions between apps, or is on the home screen and disengaged from all apps. The targeted ads are displayed more timely in an ergonomically accessible manner to capture a user's attention, increasing the chance of user response and the return on investment for advertisers.

Abstract: A business process links several interrelated technological processes that allow a user or an owner to control the scope of applications or programs downloaded to a device by linking 1) an application or program rating system to 2) custom filters that screen out applications or programs not meeting the criteria defined by the user or owner to 3) a lock-down feature which warns, discloses, or impedes downloads or installation of applications not meeting the filter criteria to 4) an application or program removal system that removes or alerts users or owners of the presence of disables applications or programs that are either no longer consistent with user or owner expressed preferences because of a change of those preferences or a re-rating of or change in the application or program.

Abstract: An ergonomic graphical user interface in a mobile device allows a user to use the mobile device effectively with one hand. The ergonomic user interface organizes icons representing related application programs into common arcs. Such arcs serve as a convenient gateway to apps of a specific context category and thus enhance the ability to comfortably use the mobile device using only one hand. The advantages are achieved by basing the interface design on ease of interaction with the touch screen using the natural range of motion of the human thumb. Related application programs may share data, information and resources. A sever may interact with the related applications to provide additional services and analytical information based on the shared data.

Abstract: A benefits ordering system provides flexible spending account debit cards to employees and allows their employer to enroll in a Plan that ensures compliance with ERISA regulations. The system applies compliance rules during a data collection and plan definition stages of ordering, and produces an ERISA-compliant Plan and documentation as legally required. A directed questioning and answering wizard guides companies and participants through the placing of orders for products. The particular sequence of questions is dependent on the products being ordered, and the parameters drive variations in the plans. Rules and parameters are built into libraries used by the system, and it is these that direct the information collection flow. Each type of Plan is constructed from previously composed paragraphs that are threaded together to encapsulate the parameters and include the required components. Plans can be modified, if new compliance rules must be met, based on changing parameters.

Abstract: A point-of-sale system comprises a webserver that receives lists of products and services offered at retail points of sale, and that can sort them into items that are qualified, conditionally qualified, and non-qualified to be purchased by a cardholder using a flexible spending account payment card. The qualified items are permissible to be purchased by all cardholders, but purchases of conditionally qualified items are only permissible when the cardholder has registered a particular qualifying characteristic. For example, a health condition for which a doctor has prescribed the retail item for purchase. The demographics of the cardholders are available for affinity programs, promotional offers, discounts, and rebates. Such are proffered at the point of sale during transaction authorization to be considered by the cardholder or to be automatically exercised.

Abstract: A method for structuring and allocating referral and other incentive and donation payments and credits to users that include principals, referrers, candidates, not-for-profits, and other third parties. A recruiting business model allows an employer to set and publish job offerings with employee-recruitment bonuses that include obligations to make specific philanthropic donations to third-parties upon at least one of a candidate being interviewed, offered-the-job, hired, or retained for a minimum time. Job applicants can receive information related to the job offerings with employee-recruitment bonuses, and to accept the job, and to accept or negotiate the employee-recruitment bonuses. They may also request specific philanthropic donations to third-parties.