Abstract: An interactive conversation is generated automatically, including logic, sentences, images, help, calculations, deployment, testing and debugging, from an ordinary spreadsheets file into conversational robots (or “bots”) with little or no human programming required by spreadsheet uploader.

Abstract: Methods and apparatus for alerting a user to an opportunity are provided. The method includes delivering an audio signal to an audio output device, modifying at least a portion of the audio signal, outputting the modified audio signal, and displaying an opportunity on the display screen at substantially the same time that the modified portion of the audio signal is output.

Abstract: A method for completing a card transaction for a consumer includes the steps of presenting card information relating to the card transaction to a first merchant online in order to pay for the merchandise to be delivered to the consumer, submitting the card information through a gateway of the first merchant to obtain payment approval, selecting a second merchant to supply the merchandise to the consumer, initiating a verification process by the second merchant by using a gateway of the second merchant to only verify that the card was used to purchase the merchandise, and settling the purchase for the first and second merchants with the card information in accordance with the payment approval.