Abstract: A method, system, and computer readable storage to enable a user to apply for a loan with a dynamic repayment structure. Instead of periodic payments being fixed, the payments can be variable based on a collection rate. The collection rate is determined from historical financial data for the user. For example, the collection rate can be a fixed percentage of all profit for each month. In this manner, the user's monthly payments are more commensurate with their monthly cash flow thereby reducing the default rate.

Abstract: A method, system, and computer readable storage to enable a user to apply for a loan with a dynamic repayment structure. Instead of periodic payments being fixed, the payments can be variable based on a collection rate. The collection rate is determined from historical financial data for the user. For example, the collection rate can be a fixed percentage of all profit for each month. In this manner, the user's monthly payments are more commensurate with their monthly cash flow thereby reducing the default rate.

Abstract: A method, apparatus, and computer readable storage to manage and display mini Graphical User Interface (GUI) applications, or widgets. A widget controller can be associated with a plurality of widgets, upon which a user of the widget controller can then cycle among the associated widgets to display a selected widget. This conserves space on an output device since space for only one widget is needed. Widgets controllers can be embedded on web pages which are part of social networking sites. Particular widgets associated with a widget controller can be automatically determined and associated based on content of a web page containing the widget controller.

Abstract: Various embodiments of systems, methods, and computer programs are disclosed for providing a virtual conference. One embodiment is a method for providing a virtual conference that includes a conferencing system obtaining participant location information associated with a plurality of participant identifiers, the conferencing system establishing an audio conference with participants associated with the plurality of participant identifiers, and executing logic that selects a stored representation and communicates the stored representation to a rendering device that displays, during the audio conference, a graphical view responsive to the stored representation on a display device. A distributed system includes a conferencing system that establishes an audio conference among participants and a licensing application that communicates a representation to a rendering device that displays, during the audio conference, a graphical view responsive to the representation on the display device.

Abstract: A method for selectively reviewing a conference includes synchronously recording an audio conference and content presented in a conference user interface to generate a recorded conference, the conference user interface published to a client device associated with one or more participants, using a characteristic of the conference user interface to index the recorded conference and providing a review interface, responsive to at least one indicator that identifies content of interest within the recorded conference. A conferencing system includes client devices with respective displays, a conference host computer operating a web server and coupled to the client devices via one or more networks, and a data store coupled to the conference host computer. The data store includes a synchronously recorded audio conference and content presented in a conference user interface that defines a recorded conference. The recorded conference includes an index responsive to a characteristic of the conference user interface.

Abstract: Various embodiments of systems, methods, and computer programs are disclosed for recording and playing back an online conference. One such method comprises: a conferencing system establishing an audio conference between a plurality of participants accessing the conferencing system via a communication network; the conferencing system presenting the audio conference and a conference interface displaying a participant object identifying each of the participants in the audio conference; synchronously recording the audio conference with content presented in the conference interface; storing the synchronized audio conference and content; and playing back the synchronized audio conference and content.

Abstract: A method for selectively reviewing a conference includes synchronously recording an audio conference and content presented in a conference user interface to generate a recorded conference, the conference user interface published to a client device associated with one or more participants, using a characteristic of the conference user interface to index the recorded conference and providing a review interface, responsive to at least one indicator that identifies content of interest within the recorded conference. A conferencing system includes client devices with respective displays, a conference host computer operating a web server and coupled to the client devices via one or more networks, and a data store coupled to the conference host computer. The data store includes a synchronously recorded audio conference and content presented in a conference user interface that defines a recorded conference. The recorded conference includes an index responsive to a characteristic of the conference user interface.

Abstract: Various embodiments of systems, methods, and computer programs are disclosed for authenticating a participant in an online conference via a graphical user interface. One such method comprises: determining a conference event requesting authentication of a participant by a conferencing system hosting a conference via a communication network; in response to the conference event, presenting a signature capture area to the participant in a conference interface via a graphical user interface; monitoring location coordinates of an input device in the signature capture area; converting the location coordinates into a participant electronic signature; determining that the participant electronic signature matches a stored electronic signature associated with the participant; and in response to determining the match, authenticating the participant for the conference event.

Abstract: Various embodiments of systems, methods, and computer programs are disclosed for managing participants in an online conference via a graphical user interface. One such method comprises: displaying a conference interface via a graphical user interface on a client device connected to a conferencing system via a communication network; displaying a contact list via the graphical user interface, the contact list comprising a plurality of draggable contact objects; selecting one of the draggable contact objects; moving the selected contact object to the conference interface; determining contact information corresponding to the selected contact object; and the conferencing system establishing a connection with a participant associated with the contact information.

Abstract: Various embodiments of systems, methods, and computer programs are disclosed for recording and playing back an online conference. One such method comprises: a conferencing system establishing an audio conference between a plurality of participants accessing the conferencing system via a communication network; the conferencing system presenting the audio conference and a conference interface displaying a participant object identifying each of the participants in the audio conference; synchronously recording the audio conference with content presented in the conference interface; storing the synchronized audio conference and content; and playing back the synchronized audio conference and content.

Abstract: Various embodiments of systems, methods, and computer programs are disclosed for distributing information between participants in an online conference via a graphical user interface. One such method comprises: a conferencing system establishing a conference between a plurality of participants accessing the conferencing system via a communication network; presenting a conference interface via a graphical user interface to a client device operated by one of the participants; displaying in the conference interface a participant object identifying each of the plurality of participants in the conference, each participant object having corresponding profile information; selecting one of the participant objects via the graphical user interface; moving the selected participant object via the graphical user interface to a contact capture location in the conference interface; and creating a new contact containing at least a portion of the profile information associated with the selected participant object.

Abstract: Various embodiments of systems, methods, and computer programs are disclosed for managing conference sessions via a graphical user interface. One such method comprises: a conferencing system establishing a conference session between a plurality of participants accessing the conferencing system via a communication network; presenting a conference interface via a graphical user interface to a client device operated by one of the participants; displaying in the conference interface a participant object identifying each of the plurality of participants in the conference session; selecting one of the participant objects via the graphical user interface; moving the selected participant object via the graphical user interface to a drop target associated with a breakout session; removing the participant from the conference session; and adding the participant to the breakout session.

Abstract: Various embodiments of systems, methods, and computer programs are disclosed for providing a virtual conference. One embodiment is a method for providing a virtual conference. One such method comprises: a conferencing system obtaining participant location information associated with a plurality of participant identifiers; the conferencing system establishing an audio conference with the plurality of participants associated with the participant identifiers; coupling a server to the conferencing system, the server identifying indicia of one or more acts during the audio conference, the one or more acts deemed worthy of a corresponding unit score in a reward program, the server communicating information to a rendering device that displays, during the audio conference, a graphical view via a display device.

Abstract: Various embodiments of systems, methods, and computer programs are disclosed for providing a virtual conference. One embodiment is a method for providing a virtual conference that includes a conferencing system obtaining participant location information associated with a plurality of participant identifiers, the conferencing system establishing an audio conference with participants associated with the plurality of participant identifiers, and executing logic that selects a stored representation and communicates the stored representation to a rendering device that displays, during the audio conference, a graphical view responsive to the stored representation on a display device. A distributed system includes a conferencing system that establishes an audio conference among participants and a licensing application that communicates a representation to a rendering device that displays, during the audio conference, a graphical view responsive to the representation on the display device.

Abstract: A method for providing a virtual conference is described. The method includes a conferencing system that configures a virtual conference location; the conferencing system playing a personalized sound effect corresponding to generating a graphical representation of a conference participant; and the conferencing system displaying the graphical representation of the conference participant in the virtual conference location. The method further includes the conferencing system displaying a graphical user interface that lists one or more entertainment options and the conferencing system receiving one or more selections from the graphical user interface. The method further includes displaying visuals corresponding to one or more of the selections.

Abstract: A method, apparatus, and computer readable storage to manage and display mini Graphical User Interface (GUI) applications, or widgets. A widget controller can be associated with a plurality of widgets, upon which a user of the widget controller can then cycle among the associated widgets to display a selected widget. This conserves space on an output device since space for only one widget is needed. Widgets controllers can be embedded on web pages which are part of social networking sites. Particular widgets associated with a widget controller can be automatically determined and associated based on content of a web page containing the widget controller.

Abstract: Methods A system and method for providing financial instruments to customers and applicants of a service provider are disclosed. One method, among others, includes providing a device such as a mobile telephone to a user, and providing the user with a contactless card having a financial account identifier that is associated with a financial account.