Abstract: Some embodiments include a method of operating an identity receiver of a security system to process an authentication request. The method can include detecting an energy signal from a mobile device at the identity receiver using a first communication protocol; generating a handover message at the identity receiver to request a unique characteristic of the mobile device using the first communication protocol, the unique characteristic associated with a second communication protocol; receiving the unique characteristic from the mobile device at the identity receiver; and authorizing access through the security system by matching the unique characteristic to an authorized identity stored in the identity receiver.

Abstract: A system is provided for increasing the probability of timely receiving payment under an agreement between a consumer and a non-utility entity for providing financing for renewable energy consumer premises equipment (CPE) by the consumer for power generation at a consumer premises, the renewable energy CPE adapted to deliver power onto a power grid or to the consumer's premises, the system comprising: a computer for monitoring consumer financial information for by the non-utility entity to detect the consumer's financing default in accordance with the agreement, wherein the renewable energy CPE including a PV array and a control device coupled to the PV array for controlling the operation of the PV array and any power generated by the CPE upon a default detected by the computer.

Abstract: Some embodiments include a method of operating an identity receiver of a security system to process an authentication request. The method can include detecting an energy signal from a mobile device at the identity receiver using a first communication protocol; generating a handover message at the identity receiver to request a unique characteristic of the mobile device using the first communication protocol, the unique characteristic associated with a second communication protocol; receiving the unique characteristic from the mobile device at the identity receiver; and authorizing access through the security system by matching the unique characteristic to an authorized identity stored in the identity receiver.

Abstract: A computer-implemented method for verifying employment of a first user with a computer system programmed to perform the method includes receiving a first name for a user-represented employer via a user-application, receiving a first plurality of social network data associated with the first user from a first social network server, wherein the first plurality of social network data includes a second name associated with an user-represented employer via a user-profile on the first social network, determining a relationship between the employer associated with the first name and the employer associated with the second name, in response to the first name and to the second name, determining an employment verification indicator in response to the relationship between the employer associated with the first name to the employer associated to the second name and outputting with the computer system, the employment verification indicator.

Abstract: A computer-implemented method for verifying employment of a first user with a computer system programmed to perform the method includes receiving a first name for a user-represented employer via a user-application, receiving a first plurality of social network data associated with the first user from a first social network server, wherein the first plurality of social network data includes a second name associated with an user-represented employer via a user-profile on the first social network, determining a relationship between the employer associated with the first name and the employer associated with the second name, in response to the first name and to the second name, determining an employment verification indicator in response to the relationship between the employer associated with the first name to the employer associated to the second name and outputting with the computer system, the employment verification indicator.

Abstract: A computer-implemented method for verifying employment of a first user with a computer system programmed to perform the method includes receiving a first name for a user-represented employer via a user-application, receiving a first plurality of social network data associated with the first user from a first social network server, wherein the first plurality of social network data includes a second name associated with an user-represented employer via a user-profile on the first social network, determining a relationship between the employer associated with the first name and the employer associated with the second name, in response to the first name and to the second name, determining an employment verification indicator in response to the relationship between the employer associated with the first name to the employer associated to the second name and outputting with the computer system, the employment verification indicator.

Abstract: Systems and methods are disclosed for underwriting loans. Some embodiments increase the likelihood of repayment by obtaining access to a qualified attribute of a borrower by a first computer component, monitoring by a second computer component for a financial event associated with the loan to the borrower, and taking control of the qualified attribute of the borrower by a third computer component. Taking control may include notifying social contacts. Securing the loan by taking various security interests and technical countermeasures against the borrower re-obtaining access or re-taking control are disclosed. Providing loans, receiving loan applications, providing loans proceeds, processing payments, and underwriting criteria are disclosed.

Abstract: Systems and methods are disclosed for collateralizing loans. Some embodiments increase the likelihood of repayment by obtaining access to a qualified attribute of a borrower by a first computer component, monitoring by a second computer component for a financial event associated with the loan to the borrower, and taking control of the qualified attribute of the borrower by a third computer component. Taking control may include notifying social contacts. Securing the loan by taking various security interests and technical countermeasures against the borrower re-obtaining access or re-taking control are disclosed. Providing loans, receiving loan applications, providing loans proceeds, processing payments, and underwriting criteria are disclosed.

Abstract: A computer-implemented method for managing the financial risk in a risk-taking scenario associated with a subject of risk-taking. The method includes receiving authorization to access at least one qualified account of a subject of risk-taking; receiving data from the qualified accounts of the subject of risk-taking; determining a stability score based on the received data, the stability score being an estimate of the financial risk in the risk-taking scenario; and performing an action through the qualified account based on the stability score.

Abstract: A method and system are disclosed for tax-advantaged financing of renewable energy consumer premises equipment (CPE) for installation and operation on a residential premises of a residential consumer. The method comprises (a) agreeing to supply power generated by the renewable energy CPE to the residential premises of the residential consumer and (b) taking a real property security interest in a primary residence of the residential consumer, whereby the real property security interest secures payments for the power supplied to the residential consumer.

Abstract: A system and method is disclosed to increase the likelihood of timely repayment of a loan by obtaining access to a qualified attribute of a borrower by a first computer component, monitoring by a second computer component for a financial event associated with the loan to the borrower, and taking control of the qualified attribute of the borrower by a third computer. Taking control may include notifying social contacts. Securing the loan by taking various security interests are disclosed, as are technical countermeasures against the borrower re-obtaining access or re-taking control. Also providing loans, receiving loan applications, providing loans proceeds, processing payments and underwriting criteria are disclosed.

Abstract: A system and method is disclosed to increase the likelihood of timely repayment of a loan by obtaining access to a qualified attribute of a borrower by a first computer component, monitoring by a second computer component for a financial event associated with the loan to the borrower, and taking control of the qualified attribute of the borrower by a third computer. Taking control may include notifying social contacts. Securing the loan by taking various security interests are disclosed, as are technical countermeasures against the borrower re-obtaining access or re-taking control. Also providing loans, receiving loan applications, providing loans proceeds, processing payments and underwriting criteria are disclosed.

Abstract: The present invention teaches a variety of systems and methods enabling renewable energy consumer premises equipment (CPE) such as dual metering techniques. The present invention contemplates, among other things, supporting, by increasing a likelihood of meeting financing obligations, a consumer purchasing, leasing, installing and/or maintaining renewable energy CPE for power generation at a consumer premises. The renewable energy CPE may be attached to a structure on the consumer premises, disposed free standing on the consumer premises, or utilized through any other suitable means on the consumer premises.

Abstract: The present invention teaches a variety of systems and methods enabling renewable energy consumer premises equipment (CPE) such as dual metering techniques. The present invention contemplates, among other things, supporting, by increasing a likelihood of meeting financing obligations, a consumer purchasing, leasing, installing and/or maintaining renewable energy CPE for power generation at a consumer premises. The renewable energy CPE may be attached to a structure on the consumer premises, disposed free standing on the consumer premises, or utilized through any other suitable means on the consumer premises.

Abstract: A system is provided for increasing the probability of timely receiving payment under an agreement between a consumer and a non-utility entity for providing financing for renewable energy consumer premises equipment (CPE) by the consumer for power generation at a consumer premises, the renewable energy CPE adapted to deliver power onto a power grid or to the consumer's premises, the system comprising: a computer for monitoring consumer financial information for by the non-utility entity to detect the consumer's financing default in accordance with the agreement, wherein the renewable energy CPE including a PV array and a control device coupled to the PV array for controlling the operation of the PV array and any power generated by the CPE upon a default detected by the computer.

Abstract: A business method is disclosed of increasing the probability of timely receiving payment for financing renewable energy consumer premises equipment (CPE) by a consumer for power generation at a consumer premises, the renewable energy CPE adapted to deliver power onto a power grid. The method comprises creating an agreement between a consumer and an entity financing renewable energy CPE, wherein creating the agreement includes creating a provision that allows the entity to control power at the consumer premises if a default of the agreement by the consumer occurs.

Abstract: A business method is disclosed for tax-advantaged financing renewable energy consumer premises equipment (CPE) for installation and operation on a residential premises of a residential consumer. The method comprises (a) agreeing to supply power generated by the renewable energy CPE to the residential premises of the residential consumer and (b) taking a real property security interest in a primary residence of the residential consumer, whereby the real property security interest secures payments for the power supplied to the residential consumer.

Abstract: A business method is disclosed of increasing the probability of timely receiving payment for financing renewable energy consumer premises equipment (CPE) by a consumer for power generation at a consumer premises, the renewable energy CPE adapted to deliver power onto a power grid. The method comprises creating an agreement between a consumer and an entity financing renewable energy CPE, wherein creating the agreement includes creating a provision that allows the entity to control power at the consumer premises if a default of the agreement by the consumer occurs.

Abstract: A business method is disclosed of increasing the probability of timely receiving payment for financing renewable energy consumer premises equipment (CPE) by a consumer for power generation at a consumer premises, the renewable energy CPE adapted to deliver power onto a power grid. The method comprises creating an agreement between a consumer and an entity financing renewable energy CPE, wherein creating the agreement includes creating a provision that allows the entity to control power at the consumer premises if a default of the agreement by the consumer occurs.

Abstract: The present invention teaches a variety of systems and methods for reducing borrowing and financing costs for renewable energy consumer premises equipment (CPE). The present invention contemplates grouping financing for a plurality of consumer for purchase, lease, installation and/or maintenance of renewable energy CPE for power generation at consumer premises. The renewable CPE may be attached to a structure on the consumer premises, disposed free standing on the consumer premises, or utilized through any other suitable means on the consumer premises. Certain aspects are directed towards grouping loans secured by some aspect of the CPE, forming financial instruments based on the grouping, and creating a market supporting the creating and trading of the financial instruments.