Abstract: A peer-to-peer skill-based game system having one or more game host servers accessible via remote game devices; a skill-based application and wagering software on the remote game devices; one or more databases and a remote wagering management server configured to: (i) validate and authenticate players and locations thereof; (ii) manage wagers between players; (iii) match players based on pre-established parameters and (iv) communicate with remote game devices. The system allows players to locate other players to wager against in skill-based video game challenges. The challenges may be played via mobile devices or other computer-based systems. Real-time biometric data may be collected systematically or randomly to ensure the continued authentication of the players during play. The system may be configured to calculate real-time, in-game odds to facilitate the posting of propositional wagers to persons watching the game.

Abstract: Systems and methods are disclosed for managing a credit relationship and determining whether to extend credit to a customer. A plurality of user devices may be linked and provided shared access to a customer account over a computer network to assist in streamlining an underwriting decision in a line of business. A customer account may be approved by entering customer data and credit data into a data file, performing a credit decision on the data file, and approving the data file. The approval process may comprise a plurality of modules including a customer module, a credit module, a review module, an exposure module, a relationship module, an approval module, and optionally a tracking module and/or a maintenance module. Further, users or computing devices may be permitted to enter data, alter data, view data, or some combination of viewing, entering, and altering data within one or more of the modules.