Abstract: A method and apparatus for rapidly and remotely providing temporary credit to a borrower is provided. In one embodiment, a lender uses as one criterion in approving the temporary credit a minimum number of deposits within a predetermined deposit verification time. Upon receipt of a request for credit, which may come either from a prospective borrower or from a merchant upon denial of credit to the prospective borrower, a lender queries a deposit account to determine whether a predetermined minimum number of deposits has been made within a predetermined deposit verification time. The lender may also determine whether each of the deposits exceeds a minimum deposit amount. Where approved, the lender is able to rapidly dispense funds for use by the borrower. In one embodiment, the lender makes these funds available via a pre-paid credit card. The lender is then able to collect principal and interest through electronic withdrawals.

Abstract: A system, method, and interactive computer program product are provided for interactively analyzing sourcing options for positions within an organization utilizing a multidimensional, multi-factor analysis. Additionally, this technology provides for evaluating positions in an organization, evaluating the potential for outsourcing, and determining from where to source candidates for the positions in an objective, timely, and cost-effective manner. The dimensions include short-term, tactical drivers and long-term, strategic drivers. The factors include intellectual property, customer facing, availability of skills in the local marketplace, flexibility, communications channels utilized, cost, duration, and organization readiness to procure externally sourced candidates. An interactive, on-screen interview questionnaire and coach is utilized. The system is reconfigurable on a per-client basis.

Abstract: A method and apparatus for rapidly and remotely providing temporary credit to a borrower is provided. In one embodiment, a lender uses as one criterion in approving the temporary credit a minimum number of deposits within a predetermined deposit verification time. Upon receipt of a request for credit, which may come either from a prospective borrower or from a merchant upon denial of credit to the prospective borrower, a lender queries a deposit account to determine whether a predetermined minimum number of deposits has been made within a predetermined deposit verification time. The lender may also determine whether each of the deposits exceeds a minimum deposit amount. Where approved, the lender is able to rapidly dispense funds for use by the borrower. In one embodiment, the lender makes these funds available via a pre-paid credit card. The lender is then able to collect principal and interest through electronic withdrawals.

Abstract: Various embodiments of systems, methods, computer programs, merchant terminals, etc. for providing an on-us cash withdrawal service at a point-of-sale are provided. One embodiment comprises a method for providing a cash withdrawal service at a point-of-sale.

Abstract: Dynamic fee structuring in a stored valued program is provided. One embodiment is a system for implementing a stored value card program, which comprises: a device that provides stored value card services to a user; and a fee structure database for determining an amount of a transaction fee to charge a user for a stored value card service provided by the device.

Abstract: Customer enrollment in a stored value card program is provided. One embodiment is a method for enrolling a customer in a stored value card program. One such method comprises: generating a list of unaffiliated stored value card programs; and when enrolling a new customer in a new stored value card program at a device, determining whether the new customer has a stored value account with one of the unaffiliated stored value card programs.