Abstract: In reply to a requester's credit request, a plurality of the requester's debtors are selected, each of which has a payment due to the requester during the repayment period. Repayment information for is retrieved for each debtor as is the requester's cash flow. A repayment probability score per debtor is computed based on the debtor's repayment history and the debtors are ranked based on the repayment probability score and an amount of the debtor's payments due. Debtors are further selected in order of rank until a total of their payment amounts at least equals a payment amount per installment. The computed repayment probability scores of the further selected debtors are aggregated into a bundle score, and a new credit score is computer for the credit request based on at least the bundle score, without reliance on information that may be used to identify any of the debtors.

Abstract: A system, method and computer program product for displaying a conversation summary is provided. The method may include providing a graphical user interface (GUI) configured to allow communication between a number of users. The method may also include displaying an invitation to join a conversation at the graphical user interface from at least one of the users and displaying a summary of the conversation in a tag cloud on a computing device. Numerous other variations and embodiments are also included within the scope of the present disclosure.

Abstract: A collaboration server is described that enables both real-time conferencing and content management. Thus, client applications can connect to the server to share data and collaborate in real-time. The server allows fine grained sharing of any type of content using generic shared objects (GSO). Each GSO holds one or more pieces of persistent information and defines a list of people who are allowed to access the information. Each GSO also represents a persistent conferencing session, i.e., if clients modify GSOs, modifications are broadcast to all the other clients on the list of the shared object if they are connected. The server also manages relationships between shared objects; i.e., shared objects could be contained in other shared objects or reference other shared objects.

Abstract: A collaboration server is described that enables both real-time conferencing and content management. Thus, client applications can connect to the server to share data and collaborate in real-time. The server allows fine grained sharing of any type of content using generic shared objects (GSO). Each GSO holds one or more pieces of persistent information and defines a list of people who are allowed to access the information. Each GSO also represents a persistent conferencing session, i.e., if clients modify GSOs, modifications are broadcast to all the other clients on the list of the shared object if they are connected. The server also manages relationships between shared objects; i.e., shared objects could be contained in other shared objects or reference other shared objects.

Abstract: A collaboration server is described that enables both real-time conferencing and content management. Thus, client applications can connect to the server to share data and collaborate in real-time. The server allows fine grained sharing of any type of content using generic shared objects (GSO). Each GSO holds one or more pieces of persistent information and defines a list of people who are allowed to access the information. Each GSO also represents a persistent conferencing session., i.e., if clients modify GSOs, modifications are broadcast to all the other clients on the list of the shared object if they are connected. The server also manages relationships between shared objects; i.e., shared objects could be contained in other shared objects or reference other shared objects.