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.

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 server is presented. The method comprises 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 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 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 server is presented. The method comprises receiving information, at the server, 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 system and method for gathering information pertinent to a transaction for purposes of compiling an offer set of at least one offer for settling the transaction is presented. The design comprises a server configured to seek information, the server 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 seeks all information from a source separate from the server and the user.

Abstract: An apparatus for resolving a debt transaction is provided. The apparatus includes a server having means for contacting the debtor by transmitting a communication to the debtor using one of a number of available communication channels, a credit information seeking module configured to obtain information from a financial information source other than the server and the debtor, and a rules based decision module configured to analyze information to determine a potential resolution strategy for the debt transaction comprising a transaction settlement offer based on creditworthiness of the debtor based on rules established by the creditor. The server is configured to provide the debtor with the transaction settlement offer, and to attempt to obtain agreement from the debtor to settle the debt transaction based on the at least one transaction settlement offer, and process at least a portion of a payment.

Abstract: A method and system facilitating the development and distribution of software is provided. The system includes a database provided on a computing device, the computing device configured to enable users to provide an update to an element of the database, wherein the element is associated with an object. The system further includes time stamp tracking software configured to enable revisions to elements of the database by establishing time stamps for each stored element changed at a specified time and an assembler configured to enable a user to assemble elements for execution based on time stamping.

Abstract: A system and method for the online settling of a transaction is provided. The system includes a server configured to determine a set of curves or planes defining acceptable settlement conditions for the financial transaction, enabling the user to select an acceptable settlement condition using interactive controls or computer implemented controls engageable by the user, such as sliding selectors or rotatable dials or the like, or controls enabling placement of points on a curve or curves. In certain instances, movement or engagement of one control may result in movement or alteration of another control, reflecting interaction between the parameters being controlled as dictated by rules established on behalf of the party to the transaction. The result, once the computer implemented controls present an acceptable settlement condition for the user, is a settlement condition wherein both user and the party to the transaction resolve the transaction on jointly acceptable terms.

Abstract: An apparatus for resolving a debt transaction is provided. The apparatus includes a server having means for contacting the debtor by transmitting a communication to the debtor using one of a number of available communication channels, a credit information seeking module configured to obtain information from a financial information source other than the server and the debtor, and a rules based decision module configured to analyze information to determine a potential resolution strategy for the debt transaction comprising a transaction settlement offer based on creditworthiness of the debtor based on rules established by the creditor. The server is configured to provide the debtor with the transaction settlement offer, and to attempt to obtain agreement from the debtor to settle the debt transaction based on the at least one transaction settlement offer, and process at least a portion of a payment.

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 seek additional benefits for the party to the transaction, such as offering enhanced payment options beyond those deemed agreeable to the user. Enhanced payment options may be determined by various factors, including but not limited to information obtained with respect to the user such as available funds, creditworthiness, delinquency rates, and so forth. Depending on the amount agreed to by the user, the system seeks to enhance recovery above that amount, either in funds paid immediately or over time.

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.

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 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, as well as provide selected options to the user based on data processed. Selected options may include products or services deemed of interest to the user based on his or her financial position, including but not limited to loans, financial accounts, and financial services, and other products or services determined to potentially be useful to the debtor/user.

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 system and method for the online settling of a transaction is provided. The system includes a server having a rules engine configured to process available data regarding the financial transaction using rules established on behalf of a party to the financial transaction. The rules engine establishes a transaction settlement offer set based on the rules established, where the transaction settlement offer set comprises multiple simultaneously presentable and individually selectable offers, each offer configured to settle the transaction on terms satisfactory to the party to the transaction. The server is further configured to provide a selectable option enabling the debtor party to provide at least one debtor party settlement term in response to the transaction settlement offer settlement set, and selectively employ the at least one debtor party settlement term to determine a subsequent transaction settlement offer set.

Abstract: A method and system facilitating the development and distribution of software is provided. The system includes a database provided on a computing device, the computing device configured to enable users to provide an update to an element of the database, wherein the element is associated with an object. The system further includes time stamp tracking software configured to enable revisions to elements of the database by establishing time stamps for each stored element changed at a specified time and an assembler configured to enable a user to assemble elements for execution based on time stamping.

Abstract: A system and method for the online settling of a transaction is provided. The system includes a server configured to determine a set of curves or planes defining acceptable settlement conditions for the financial transaction, enabling the user to select an acceptable settlement condition using interactive controls or computer implemented controls engageable by the user, such as sliding selectors or rotatable dials or the like, or controls enabling placement of points on a curve or curves. In certain instances, movement or engagement of one control may result in movement or alteration of another control, reflecting interaction between the parameters being controlled as dictated by rules established on behalf of the party to the transaction. The result, once the computer implemented controls present an acceptable settlement condition for the user, is a settlement condition wherein both user and the party to the transaction resolve the transaction on jointly acceptable 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: 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 server is presented. The method comprises receiving information, at the server, 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 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 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 a appropriate party to the transaction. The user may employ various devices to contact the server and seek to complete the transaction.