Abstract: Various methods, apparatuses/systems, and media for data management are disclosed. A processor integrates internal data, third party data, user-generated content data, and historical data into key data that relates to management of one or more stores and branches in a network of stores and branches. The key data is stored into a single centralized database. The processor generates analytical insights data from analysis of the key data and historical data. The analytical insights data is displayed onto a graphical user interface (GUI) for considering and analyzing the analytical insights data by a user. User's feedback data is received that corresponds to the user's response based on analyzing the analytical insights data. The processor apples machine learning (ML) algorithms for continuously analyzing all available data including the user's feedback data and extracting and classifying contents of available data including the feedback data to provide targeted recommendations data onto the GUI.

Abstract: A voice enabled interactive (i.e., automatic) on-line auction system and method for converting and transmitting on-line auction events into real time, dynamically generated interactive speech and voice recognition responses for delivery to telephone and mobile devices of a user. Files and documents are processed through speech recognition and text-to-speech systems for converting content, speech and audio into generated voice instructions. The documents contain software developed instructions that generate and process speech recognition responses and text to speech transmissions that are capable of being transported between users and the interactive auction system via a mobile device or telephone of the user in an interactive manner in order to create, transmit, receive and modify on-line auction events, auction information, and member profile information for the purposes of processing and transacting the on-line auction events.

Abstract: A voice enabled interactive (i.e., automatic) travel information system and method for converting and transmitting online travel information events into real-time, dynamically generated interactive speech and voice recognition responses for delivery to telephone and mobile devices of a user. Files and documents are processed through speech recognition and text-to-speech systems for converting content, speech and audio into generated voice instructions. The documents contain software developed instructions that generate and process speech recognition responses and text to speech transmissions that are capable of being transported between users and the interactive travel via a mobile device or telephone of the user in an interactive manner in order to create, transmit, receive and modify online travel information events and member profile information for the purposes of processing and interacting with online travel information events.

Abstract: A voice enabled interactive (i.e., automatic) drug and medical information system and method for converting and transmitting on-line drug and medical information events into real time, dynamically generated interactive speech and voice recognition responses for delivery to telephone and mobile devices of a user. Files and documents are processed through speech recognition and text-to-speech systems for converting content, speech and audio into generated voice instructions. The documents contain software developed instructions that generate and process speech recognition responses and text to speech transmissions that are capable of being transported between users and the interactive drug and medical information system via a mobile device or telephone of the user in an interactive manner in order to create, transmit, receive and modify on-line drug and medical information events and member profile information for the purposes of processing and interacting with online drug and medical information events.

Abstract: Systems and methods are disclosed to facilitate responses to credit requests. According to one embodiment, information associated with a credit request is received from a customer. For example, information may be received from a customer via a customer service representative located at a telephone call center. Income information associated with the customer is then estimated. For example, a credit rating service may estimate the customer's income based on an existing mortgage loan. The estimated income is then used to provide the customer with a response to his or her request in substantially real time. For example, the customer service representative may provide the response to the customer via the telephone call.