Abstract: Systems and methods are provided for processing a request for a product. The processing the request includes receiving a preliminary request from a client device for a product including identity information of a requestor and conditions of the product without specifying a particular product. The disclosed technology generates a list of eligible products for the requester to select one product. A determiner receives a request for a product and information needed to approve a use of the product (e.g., underwriting a mortgage application). The disclosed technology automatically retrieves verified information associated with the requestor from various data providers and requests for underwriting by one or more underwriters distributed over the network. The determiner determines a result of the request for the product based on decisions made the underwriters. The client device solicits for uploading additional information and documents needed to fully approve the request for the product.

Abstract: The present invention relates to managing a multi-directional advertising value chain and effectively managing a very large number of partnerships where each partner can, over time, fulfill any and all of the piece of that value chain simultaneously. According to the present invention, tracking, accounting, controlling and netting out of compensation for the various pieces of the is flexible enough to dynamically adjust any piece of the advertising value chain as business relationships evolve.

Abstract: A method and apparatus dynamically allocates monetization access and optimizes the value of digital content by managing the access rights and monetization rights, delivery, measurement and by accounting for advertising, promotion and digital messaging within, over, and around digital content across a distributed network of business entities and a distributed network of delivery platforms.