Abstract: Methods and apparatus for dermatological laser treatment, e.g. for the removal of unwanted tattoos or other skin pigmentation. Removal of multiple colors with a single pulsed laser beam may be achieved using intensities in excess of about 50 GB/cm2. Methods for reducing the pain and tissue damage associated with laser tattoo removal include using a spot size of less than 2 mm with a fluence in the range of 0.5-10 J/cm2. Scanning the laser beam over an area of skin to be treated allows such areas to be treated accurately with scanning patterns calculated to promote rapid dissipation of heat away from treated portions of the skin. Multiple treatment rooms may be served by a single pulsed treatment laser by beam toggling, splitting or pulse-picking to minimise downtime of the laser.

Abstract: A system, process and non-transitory computer readable storage medium are used to automatically determine whether to provide a loan. In accordance with the loan process, input data comprising at least a request for a loan and an identity of the loan applicant is received from a remote user device operated by, or on behalf of, the person or legal entity applying for a loan. In response to this request several pieces of data are calculated, determined and/or obtained. These include at least a trust rating related to the applicant, a first type of external data related to the credit worthiness of the loan applicant and a second type of data determined by monitoring online usage by the user of the user device. The process then automatically determines whether to provide the requested loan using at least the trust rating and the first and second types of external. If the loan is approved, instructions are sent to transfer the loan to a bank account.

Abstract: A computer system includes a processor, memory and one or more inputs. The computer system is programmed to carry out the following process. Data identifying a user applying for an on-line loan is received. A trust rating is determined as a function of the data identifying the user. Data is provided to a user device to present to the user a graphical control having a lower level, an upper level and a pointer moveable between the lower level and the upper level. The computer system selects the upper level as a function of the trust rating. Data is received specifying one or more selections made by the user on the graphical control including the final position of the pointer. A determination is made whether to provide a loan as a function of the data specifying the selections made by the user.

Abstract: There is provided, in accordance with an embodiment of the present invention, an apparatus, system, and method to provide substantially in real time personalized and/or customized consumer credit from multiple money sources into substantially any shopping basket or facility on the Internet or on a mobile network. In one embodiment, a consumer credit provider may provide supplementary or complimentary credit to enable an online purchase, in combination with existing credit sources, in a substantially transparent way, such that the user feels that only one transaction is taking place.

Abstract: There is provided, in accordance with an embodiment of the present invention, an apparatus, system, and method for generating a personalized online loan, including: a set of interactive product sliders being operable by a remote user using a GUI; a slider calculation system; and a slider calculation database including user credit data, wherein the database supplies user data to the slider calculation system to enable generation of personalized interactive product sliders.

Abstract: An apparatus, system, and method to provide substantially in real time personalized and/or customized consumer credit from a Credit Provider into substantially any shopping basket or facility on the Internet or on a mobile network. In one embodiment, a consumer credit plug-in is provided to facilitate consumer credit provision to a consumer at a destination Website, including a credit service system including a memory having stored thereon consumer credit provision related instructions and consumer credit related data, and a processor to execute credit provision requests or instructions; wherein the consumer credit plug-in includes a file with instructions to execute commands to enable said remote credit service system to provide credit product provision to consumers, substantially in real time.