Abstract: A system and method for settling of a transaction is provided. The system includes a server arrangement having a rules based engine and a meta-object system comprising a runtime utility engine configured to compile multiple meta-object instances, wherein the server arrangement is configured to receive a lump sum payment proposal from the user, the lump sum payment proposal comprising only that amount the user is presently willing to pay, process information comprising the lump sum payment proposal according to the rules, and present a second transaction settlement offer set to the user including the lump sum payment proposal and a plurality of offers limited to a plurality of installment payment options with no further immediate payment offered beyond the lump sum payment proposal.

Abstract: A system and method for the online settling of a transaction is provided. The system includes a server arrangement having a rules based engine including rules established on behalf of a party to the transaction, such as a creditor. The rules based engine is configured to process data and present a transaction settlement offer set comprising a plurality of selectable offers to the user based on at least one decision made by the rules based engine. The server arrangement is further configured to receive a lump sum payment proposal from the user and to use the rules based engine to process information comprising the lump sum payment proposal and present a second transaction settlement offer set to the user based at least in part on the lump sum payment proposal from the user.

Abstract: A method for the online modification, submission and approval processing of a future payment request to afford a user the ability to renegotiate established loan agreement debt terms in which network communications are established between a user, such as a debtor, and a computing device, such as a server or server arrangement, is presented. The method comprises receiving information, at the computing device, regarding the loan agreement debt terms, presenting received information to a debtor, providing an interactive environment enabling a debtor to modify existing terms, submitting modified terms, processing data from the available information using a rules based engine, and processing a future payment request based on at least one decision made by the rules based engine. While online, the user/debtor may engage in revising a rejected future payment request in an attempt to reach a satisfactory renegotiation of debt terms.

Abstract: A method for completing a sale transaction is presented. The method comprises establishing network communications between a user and a server arrangement, receiving information, at the server arrangement, seeking available information pertinent to the sale transaction from at least one source external to the server and the user, processing data from the available information using a rules based engine including rules established on behalf of a selling party located at the server, and presenting an offer set to the user based on at least one decision made by the rules based engine. The user may employ various devices to contact the server and seek to complete the transaction.

Abstract: A method for the online modification, submission and approval processing of a future payment request to afford a user the ability to renegotiate established loan agreement debt terms in which network communications are established between a user, such as a debtor, and a computing device, such as a server or server arrangement, is presented. The method comprises receiving information, at the computing device, regarding the loan agreement debt terms, presenting received information to a debtor, providing an interactive environment enabling a debtor to modify existing terms, submitting modified terms, processing data from the available information using a rules based engine, and processing a future payment request based on at least one decision made by the rules based engine. While online, the user/debtor may engage in revising a rejected future payment request in an attempt to reach a satisfactory renegotiation of debt terms.

Abstract: A method for completing a transaction is presented. The method comprises establishing network communications between a user and a server, receiving information, at the server, regarding the transaction, seeking available information pertinent to the transaction from at least one source external to the server and the user, processing data from the available information using a rules based engine including rules established on behalf of a party to the transaction located at the server, and presenting an offer set to the user based on at least one decision made by the rules based engine. The transaction may be one according to a variety of scenarios, and the user may be an appropriate party to the transaction. The user may employ various devices to contact the server and seek to complete the transaction.

Abstract: An apparatus for resolving a claim owed is provided. The apparatus includes a server arrangement comprising means for transmitting a communication to a claimant using one of a number of available communication channels inviting the claimant to contact the server arrangement, an information seeking module configured to obtain claimant financial information in response, and a rules based decision module configured to employ only extracted data identified as pertinent to the claimant from obtained claimant financial information, the extracted data extracted in accordance with rules established by a party responsible for satisfying the claim available to the rules based decision module, and analyze the extracted data to determine a potential resolution strategy for the claim comprising a plurality of individualized claim settlement offers determined specifically for the debtor based on the extracted data identified as pertinent.

Abstract: An apparatus for resolving a debt transaction is provided. The apparatus includes means for transmitting a communication to a debtor using one of a number of available communication channels inviting the debtor to contact a server arrangement, a rules based decision module configured to employ only extracted data pertinent to the debtor and determine a potential resolution strategy for the debt transaction comprising a plurality of individualized transaction settlement offers determined specifically for the debtor based on a calculated ability for the debtor to repay at least a portion of the debt transaction. The server arrangement is configured to determine an estimate of a specific amount a debtor's credit score will increase if the debt transaction is resolved and provide the debtor with the estimate of the amount the debtor's credit score will increase when the debt transaction is resolved.

Abstract: An automated system and method for the online settling of a transaction is provided. The system comprises a server comprising a rules based engine including rules established on behalf of a party to the transaction and genetic programming logic configured to employ the rules and determine a plurality of transaction settlement offer sets, each transaction settlement offer set based on a set of circumstances and comprising multiple simultaneously presentable and individually selectable offers, each offer configured to provide an appearance of settling the transaction. The genetic programming logic creates a description of a current transaction settlement offer set, analyzes behavior and characteristics of the current transaction settlement offer set, establishes a fitness of the current transaction settlement offer set, and modifies the current transaction settlement offer set to produce a new transaction settlement offer set. The new transaction settlement offer set is provided to the user.

Abstract: A method and system facilitating the development and distribution of software is provided. The system includes tracking revisions to elements of a database on the computing device by establishing time stamps for each stored element changed at a specified time, enabling a user to select an applicable time period comprising a beginning time point and an end time point, and assembling elements for execution based on time stamps limited to the selected applicable time period.

Abstract: A method for providing credit score information for a user to the user is provided. The method comprises offering the user an option to obtain information related to a credit score via a computer networking arrangement. The method further determines credit score information once the option is selected by the user, and providing the credit score information determined to the user via the computer networking arrangement.

Abstract: A system and method for the online settling of a transaction is provided. The system includes a server arrangement having a rules based engine including rules established on behalf of a party to the transaction, such as a creditor. The rules based engine is configured to process data and present a transaction settlement offer set comprising a plurality of selectable offers to the user based on at least one decision made by the rules based engine. The server arrangement is further configured to receive a lump sum payment proposal from the user and to use the rules based engine to process information comprising the lump sum payment proposal and present a second transaction settlement offer set to the user based at least in part on the lump sum payment proposal from the user.

Abstract: A method for the online settling of a transaction in which network communications are established between a user, such as a debtor, and a computing device is presented. The method comprises receiving information, at the computing device, regarding the transaction, seeking available information pertinent to the transaction from at least one source external to the computing device and the user, processing data from the available information using a rules based engine including rules established on behalf of a party to the transaction located at the computing device, and presenting a transaction settlement offer set to the user based on at least one decision made by the rules based engine. While online, the user/debtor may accept one of the offers or engage in further approved negotiation of other offers.

Abstract: A system for the online settling of a transaction in which network communications are established between a user, such as a debtor, and a server is presented. The system comprises a server configured to receive communications from a user. The server is further configured to seek available information pertinent to the transaction from at least one source external to the server and user. The server comprises a rules based engine including rules established on behalf of a party to the transaction, the rules based engine configured to process data from the available information and present a transaction settlement offer set to the user based on at least one decision made by the rules based engine. While online, the user/debtor may accept one of the offers or engage in further approved negotiation of other offers.

Abstract: A system and method for the online settling of a transaction is provided. The system includes a server having a rules based engine including rules established on behalf of a party to the transaction, such as a creditor. The rules based engine is configured to process data and present a transaction settlement offer set comprising a plurality of selectable offers to the user based on at least one decision made by the rules based engine. The server is further configured to receive a lump sum payment proposal from the user and to use the rules based engine to process information comprising the lump sum payment proposal and present a second transaction settlement offer set to the user based at least in part on the lump sum payment proposal from the user.

Abstract: A system and method for the online settling of a transaction is provided. The system includes a computing device, such as a server or server arrangement, having a rules configured to process available data regarding the debtor party using rules established on behalf of the party to the financial transaction and weighting factors accorded to selected available data related to the debtor party. The rules and weighting factors are employed to establish a transaction settlement offer set conveyable to the user and comprising multiple simultaneously presentable and individually selectable offers, each offer configured to settle the transaction on terms satisfactory to the party to the transaction.

Abstract: A method for the online modification, submission and approval processing of a future payment request to afford a user the ability to renegotiate established loan agreement debt terms in which network communications are established between a user, such as a debtor, and a computing device, such as a server or server arrangement, is presented. The method comprises receiving information, at the computing device, regarding the loan agreement debt terms, presenting received information to a debtor, providing an interactive environment enabling a debtor to modify existing terms, submitting modified terms, processing data from the available information using a rules based engine, and processing a future payment request based on at least one decision made by the rules based engine. While online, the user/debtor may engage in revising a rejected future payment request in an attempt to reach a satisfactory renegotiation of debt terms.

Abstract: A method for the online settling of a transaction in which network communications are established between a user, such as a debtor, and a computing device is presented. The method comprises receiving information, at the computing device, regarding the transaction, seeking available information pertinent to the transaction from at least one source external to the computing device and the user, processing data from the available information using a rules based engine including rules established on behalf of a party to the transaction located at the computing device, and presenting a transaction settlement offer set to the user based on at least one decision made by the rules based engine. While online, the user/debtor may accept one of the offers or engage in further approved negotiation of other offers.

Abstract: A system and method for gathering information pertinent to a transaction, such as one of a plurality of debts, is presented. The design comprises a server arrangement configured to seek information to compile a transaction settlement offer set, the server arrangement configured to seek at least one from a group comprising information related to personal data regarding a user, information related to account data regarding a user account, information related to macroeconomic data, and information related to the transaction. The server arrangement seeks all information from a source separate from the server arrangement and the user.

Abstract: A system and method for the online settling of a transaction is provided. The system includes a server having a rules configured to process available data regarding the debtor party using rules established on behalf of the party to the financial transaction and weighting factors accorded to selected available data related to the debtor party. The rules and weighting factors are employed by the rules engine to establish a transaction settlement offer set conveyable to the user and comprising multiple simultaneously presentable and individually selectable offers, each offer configured to settle the transaction on terms satisfactory to the party to the transaction.