Abstract: Apparatuses, methods and storage media associated with device mnemonics are disclosed herein. A registration module may be configured to accept a registration of a device mnemonic associated with a device, including receiving one or more communication addresses to be associated with the device mnemonic, and store the device mnemonic. A response module may be configured to respond to a query about the device mnemonic with at least the associated communication address(es). Acceptance of registration and storage of the device mnemonic may further comprise receipt of metadata to be associated with the device mnemonics. The response module may be configured to respond to a query about the device mnemonics, by providing some or all of the associated metadata. The registered/stored device mnemonics and their associated information may be queried and used by application services. Other embodiments may be described and/or claimed.

Abstract: Embodiments for messaging-based payments are described. A messaging-based payment system (MBP) may be configured to facilitate payments between parties based via a messaging protocol, such as a text messaging protocol. The MBP may be configured to receive a request via the messaging protocol for a payment to be made from a first party to a second party. The request may include a payment amount as well as identifying information for the party making payment. In response to receipt of the request, the MBP may request an authorization of the payment from the first party. The request for authorization may be performed via the messaging protocol. After receiving authorization for the payment, the MBP may facilitate the requested payment from the first party to the second party. Payment may be made to an account of the second party or through a payment facilitator. Other embodiments may be described and claimed.

Abstract: Methods, apparatuses, and computer-readable media directed to phone-number-based payment authorization are described. A phone-number-based payment authorization system (PBA) may be configured to authorize payments from a payer party to a payee party based on a phone number of a payer party. The PBA may be configured to receive a payment authorization request, which may include a payment amount as well as a phone number for the payer party. In response to receipt of the payment authorization request, the PBA may make a determination of whether the payer is capable of making a payment of the requested amount. The determination may include determination of payment capabilities from various payment servicers. The PBA may also make an authorization request from a third-party authorizing entity based on identifying and/or financial information known to the PBA. Other embodiments may be described and/or claimed.

Abstract: Methods, apparatuses, and computer-readable media directed to mnemonic-based text messaging are described. A text messaging application (“TMA”) may be configured to operate to facilitate entry of a text message to a business or a device. The text message may include one or more instructions that may be recognized by the business or the device to perform one or more actions. The TMA may be configured to facilitate entry of a text message that includes a mnemonic for the business or device. The TMA may be configured to resolve the mnemonic with a business/device mnemonic service and to send the text message to a destination client device. The text message may also include abbreviated vocabulary, which may be known to a vocabulary service, which may be configured to translate the abbreviated vocabulary into translated text to be included in the text message. Other embodiments may be described and claimed.

Abstract: In various embodiments, facilitation of transactions is described. A customer may provide identifying information, such as a communication address, to a provider of goods and/or services. The provider, may, in turn, send a request to a device-based transaction facilitation system (“TFS”) to determine whether the identified customer wishes to participate in the requested transaction. The TFS may send a message to a device of the customer, such as a mobile phone of the customer. The customer may be facilitated in sending back a confirmation that the customer wishes to participate in the transaction. This confirmation may include a unique identifier of the device under control of the customer. The TFS, on receipt of the unique identifier, may then send a confirmation that the customer wishes to participate, and the provider, in turn, may complete the transaction with the customer. Other embodiments may be described and claimed.

Abstract: Methods, apparatuses, and computer-readable media directed to phone-number-based payments are described. A phone-number-based payment system (PBP) may be configured to facilitate payments between parties based on a phone number for a payer party. The PBP may be configured to receive a payment request for a payment to be made from the payer party to a payee party. The request may include a payment amount and the payer's phone number. The payment request may include a payment amount and a phone number for the customer. In response the payment request, the PBP may verify that the payee has an account with the PBP. The PBP may also request an authorization of the payment from the payer. After receiving authorization for the payment, the PBP may facilitate the requested payment from the payer to the payee. Other embodiments may be described and claimed.

Abstract: Embodiments of device-based payment authorization are described. A device-based authorization system (“DBA”) may interoperate with a device of a payer party, such as a mobile device of the payer, to facilitate authorization of a payment by the payer. The DBA may respond to a payment request, such as by a vendor, which may include a payment account number and identifying information about the payer. In response, the DBA may request authorization from the payer on a device of the payer, such as a mobile device. The DBA may send an authorization request that includes an authorization token. A payment authorization application (“PAA”) on the device may facilitate the payer in performing an authorization, such as by performing a signature. The PAA may return an authorization record, including the authorization token. The DBA may then facilitate payment from the payer to the payee. Other embodiments, may be described and claimed.

Abstract: In various embodiments, facilitation of transactions using electronic gesture-based signatures is described. A party participating in a transaction may provide an electronic signature using a mobile device. The mobile device may be configured to record electronic signature data made through physical manipulation of the mobile device, such as by recording data from one or more instruments of the mobile device. The mobile device may then send the electronic signature data to a gesture-based signature confirmation system (“GSC”), which may confirm an identity of the party and/or confirm an intent of the party to participate in the transaction. The GSC may send an indication to another party to the transaction that the identity has been confirmed, and/or that the first party intends to participate in the transaction, and may generate a record of the signature. Other embodiments are described and claimed.

Abstract: Apparatuses, methods and storage medium associated with geographic mnemonics based messaging are disclosed herein. In embodiments, an apparatus may include a data collection module configured to collect demographics of users interacting with a geographic mnemonics associated with a location or an area that includes the location. In response to a request from a requestor for the demographics of users interacting with the geographic mnemonics, the data collection module may respond to the requestor with collected demographics of users interacting with the geographic mnemonics, to enable the requestor to select and transmit a message to the client device, based at least in part on the collected demographics of users interacting with the geographic mnemonics. Other embodiments may be described and/or claimed.

Abstract: Apparatuses, methods and storage medium associated with geographic mnemonics are disclosed herein. In embodiments, an apparatus may include a registration module and a response module. The registration module may be configured to accept a registration of a geographic mnemonics, and store the geographic mnemonics. Acceptance of registration and storage of the geographic mnemonics may further comprise receipt of an address and/or meta data to be associated with the geographic mnemonics, and storage of the address and/or meta data as associated with the geographic mnemonics. The response module may be configured to respond to a query about the geographic mnemonics, with at least the associated address and/or meta data. Other embodiments may be described and/or claimed.

Abstract: Apparatuses, methods and storage medium associated with content consumption are disclosed herein. In embodiments, an apparatus may include a commercial engine. The commercial engine may be configured to transmit or cause to be transmitted, e.g., by a content provision engine, at an appointed time of a first of the plurality of time zones, a commercial message to at least the content consumption devices of the content consumers currently located in a second time zone. The transmission may be irrespective of whether the content consumers of the content consumption devices to receive the commercial message are consuming the same or different content from one or more media content distribution systems. Other embodiments may be described and/or claimed.

Abstract: Apparatuses, methods and storage medium associated with geographic/time coordinate based event identification are disclosed herein. In embodiments, an event repository may index one or more events according to location and time of the event. The information regarding the events may be based on one or more of reports from a client device, information in static documents, or information in subscription documents. A search module coupled with the event repository may receive a query from a client device, the query including at least a time coordinate identifying a time and a location identifier identifying a location. The search module may be configured to identify, based on the time coordinate and the location identifier, an event that occurred at the location and at the time. Other embodiments may be described and/or claimed.

Abstract: Apparatuses, methods and storage medium associated with virtualizing a building or a site are disclosed herein. In embodiments, an apparatus for virtualizing a building or a site may include one or more processors, and a building/site interface engine configured to be operated by the one or more processors. The building/site interface engine may be configured to facilitate a representative of a building or site to logically associate a virtual billboard with the building or site, to enable an appearance of the corresponding building or site in a 3D view map be augmented with the virtual billboard. The virtual billboard may include one or more commercials. The 3D view map may include an image of the building or site. Other embodiments may be described and/or claimed.

Abstract: Embodiments relate to computer-implemented methods and computing apparatuses for technologically determining a creditworthiness metric for a potential borrower are disclosed. In embodiments, a creditworthiness metric for a potential borrower may be determined based at least in part on endorsements of other parties connected to the potential borrowers via an online social network. In embodiments, users of an online social network may make respective endorsements of other users of the online social network. Respective creditworthiness metrics may be determined based on the endorsements, and/or other factors, such as connections, endorsement values, so forth. Other embodiments may be disclosed and/or claimed.

Abstract: In embodiments, methods, storage media, and apparatuses are described that are associated with provisioning of insurance products. In various embodiments, a request for an insurance product associated with an event may be received. A plurality of insurance underwriters may be identified that agree to automated payment of individual payment amounts upon occurrence of the event. Assets and/or lines of credit of the insurance underwriters may be encumbered to provide for automated taking of the individual payment amounts upon occurrence of the event. Other embodiments may be described and claimed.

Abstract: In embodiments, methods, storage media, and apparatuses are described that are associated with underwriting of loans. In various embodiments, offers to underwrite a loan may be received by one or more loan underwriters. Assets and/or lines of credit of the loan underwriters may then be encumbered such that, upon a requirement to pay the loan balance to a lender, the loan balance may be automatically taken from these assets and/or lines of credit. Other embodiments may be described and claimed.

Abstract: Apparatuses, methods and storage medium associated with geographic coordinates based content search are disclosed herein. In embodiments, a search service may be configured to analyze a plurality of contents having non-geographic coordinate content items. The analysis may include determination of whether the non-geographic coordinate content items are associated with a plurality of locations on Earth's surface. The locations may be identifiable by a plurality of geographic coordinates of a geographic coordinate system. For contents with non-geographic coordinate content items recognized to be associated a plurality of locations, the search service may generate and store indices that index the geographic coordinates of the locations to the contents with associated non-geographic coordinate content items. Other embodiments may be described and/or claimed.

Abstract: Embodiments relate to methods, apparatuses, and media configured to identify user characteristics based at least in part on the user's association with geographic coordinates or ranges defining locations or areas of Earth's surface. Recommendations may then be provided to the user based at least in part on the identified user characteristics based on geographic coordinates. Other embodiments may be described or claimed.

Abstract: In embodiments, a buyer may place a purchase order, e.g., to a collective fulfillment computing platform, for a quantity of a product to be produced. In various embodiments, the purchase order may include one or more criteria for fulfillment of the purchase order. In various embodiments, notification of the purchase order may be transmitted, e.g., by the platform, to a plurality of potential suppliers of the product. In various embodiments, at least some of the plurality of potential suppliers may place bids to fulfill at least portions of the purchase order. In various embodiments, the platform may be configured to automatically apportion at least an initial payment for the purchase order among the bidding suppliers based at least in part on profiles associated with the first plurality of potential suppliers and the one or more criteria for collective fulfillment of the purchase order.

Abstract: In embodiments, a generic gesture made with a computing device may be detected. In various embodiments, a context of the apparatus and/or a user of the apparatus may be determined. In various embodiments, at least one of a plurality of executable procedures may be selectively operated based on the detected generic gesture and the determined context.