Abstract: The disclosure relates to a process for verifying the identity of the user submitting information to an online application portal for a business and verifying that he is a legal representative of that business. Using the process, a lender can calculate scores, which will allow a lender to verify with some certainty that the user is authorized to submit the application. This verification is necessary for compliance with lending regulations. The disclosure is directed toward loan transactions for small businesses.

Abstract: Techniques for purchasing items within an application on user equipment comprises determining at a network service store that a first message is received through a communications network from an application on user equipment. The message indicates a first item to purchase. A publisher different from the network service store has granted approval to use the application on the user equipment. The network service store determines whether payment is arranged from a user of the user equipment to pay for the first item. If payment is arranged, then the network service store causes, at least in part, actions that result in approval from the publisher to use the first item on the user equipment.