Abstract: Banking and telecommunication network data may be combined to generate credit scores by separating aspects of credit score computation to protect the privacy of consumers and each institution that may collect data. A system of unsupervised, semi-supervised, or adaptive learning may be separated between a bank and a telecommunications network. Telecommunications networks may generate summarized statistics of their users, which may be combined into a formula for calculating an estimated credit score. The factors used for the formula may be transmitted to the bank, which may compare the calculated scores with actual financial behavior. The bank may generate updated factors, which may be returned to the telecommunications network to update the credit scoring formula.

Abstract: An electronic system comprises a mobile device for sending a file; a server group for receiving the file from the mobile device; and a printer electrically coupled to the server group. The server group comprises an email server and a printing server. The mobile device sends the file as an email to the email server of the server group. The printing server has a scanning driver and a printing driver installed therein such that the printing server employs the scanning driver to scan the email for determining whether printing the file, and employs the printing driver to drive the printer for printing the file if the file should be printed.