Abstract: A computerized method and system for pre-employment predictive screening is disclosed. The method comprises aggregating a plurality of employee testing and demographic data in a database, mapping each data in the plurality of employee testing and demographic data to a faceted feature space, selecting a classifying facet group from the faceted feature space, training a classifier model based at least in part on the classifying facet group, and saving the classifier model to a memory.

Abstract: The present disclosure relates to a method and a virtual interviewing system for automatic assessment of a candidate. In one embodiment, the virtual interviewing system receives profile information associated with one or more candidates and job description details associated with the job. The profile information is processed to identify candidates having skills or expertise areas matching with the job description. The virtual interviewing system conducts interview to the candidates whose profiles are matching with the job description. A set of questions are provided to the candidates and the corresponding answers are evaluated based on predetermined answers stored in a knowledge base. An overall score is determined for each candidate and performance of the candidates is captured in an assessment report. Based on the assessment reports, one or more candidates are selected as qualifying candidates, thus reducing the human intervention in recruiting candidates for an enterprise or organization.

Abstract: Computer systems and methods generate a cluster chart for HR-related documents. A host computer data center comprises a database for electronically storing HR-related documents, a web server, and a programmable computer device. The programmable computer device is programmed to determine clusters of prevalent terms in a collection of HR-related documents in the database. The collection of HR-related documents from which the clusters are generated is identified based on search criteria submitted from a client computer device. The clusters of prevalent terms in the collection can be determined using a clustering algorithm employing algebraic transformations of a term-document matrix generated from the collection of HR-related documents. The programmable computer device is also programmed to assign each of the HR-related documents in the collection to one or more of the determined clusters, and to generate a chart graphically showing the clusters. Each cluster in the chart has a characteristic (e.g.

Abstract: Systems and methods for quantifying quality time are described. A network of at least two individuals may be created. An amount of time the individuals are within a predetermined proximity of each other may be recorded. It may be determined whether the individuals are participating in a preferred activity of at least one of the individuals during the time the individuals are within the predetermined proximity of each other. A score may be generated based at least in part on the amount of time recorded and the preferred activity and the score may be transmitted to at least one individual of the network.

Abstract: This document presents a system and method that takes data from multiple sources that can be input by a family user and/or collected on behalf of the family user; then leveraging latent and active analytics and predictive learning. The system and method aggregates each piece to deliver content determined by the end user to optimize time, streamline content, send reminders, manage multiple calendars and minimize disruption through a single sign-on customizable dashboard that tells each user in a family organization when and where they need to be engaged.

Abstract: Approaches are provided for rescheduling a meeting as a face-to-face meeting. An approach includes collecting location information from each attendee of a scheduled meeting. The approach further includes determining whether a minimum number of attendees to the scheduled meeting will be co-located at a comparable time. The approach further includes determining whether the comparable time is within an advancement or postponement window of time when the minimum number of attendees will be co-located at the comparable time. The approach further includes sending a notification to a host of the scheduled meeting that there is an opportunity to reschedule the scheduled meeting as a face-to-face meeting at the comparable time when the comparable time is within the advancement or postponement window of time. The approach further includes receiving a request to reschedule the meeting and rescheduling the scheduled meeting as a face-to-face meeting.

Abstract: Conflict management for calendar events is provided. A schedule of a user has one or more schedule entries, each corresponding to an event that the user is available to attend. A waitlist of the user has one or more waitlist entries, each corresponding to an event that the user is unavailable to attend. Whether the user is available to attend a new event is determined based, at least in part, on a priority of the new event and the one or more schedule entries. A new entry is added to one of the waitlist and the schedule based, at least in part, on whether the user is available to attend the new event. A change in user availability is identified for at least one time period and, in response, an availability determination is updated for an event that at least partially coincides with the at least one time period.

Abstract: Conflict management for calendar events is provided. A schedule of a user has one or more schedule entries, each corresponding to an event that the user is available to attend. A waitlist of the user has one or more waitlist entries, each corresponding to an event that the user is unavailable to attend. Whether the user is available to attend a new event is determined based, at least in part, on a priority of the new event and the one or more schedule entries. A new entry is added to one of the waitlist and the schedule based, at least in part, on whether the user is available to attend the new event. A change in user availability is identified for at least one time period and, in response, an availability determination is updated for an event that at least partially coincides with the at least one time period.

Abstract: An equipment maintenance information system includes a detection assembly, a mobile device and a network. The detection assembly is configured to detect a condition of at least one part of a piece of equipment, and the mobile device is communicatively connected to the detection assembly and the network. The mobile device is configured to provide substantially real-time data based upon both an output received from the detection assembly and data received from the network. In one embodiment, the system includes a case that forms a housing for the detection assembly and removably attaches to a variety of mobile devices.

Abstract: A computer-implemented method, computer program product and computing system for converting a first asset owned by a first entity into an intermediate digital asset. The intermediate digital asset is transferred to a second entity, thus resulting in an intermediate digital asset transfer. The intermediate digital asset transfer from the first entity to the second entity is recorded within a digital asset tracking system. The intermediate digital asset is converted into a second asset owned by the second entity.

Abstract: A point of sale terminal of a merchant includes a third party payment provider display area for payment using a third party payment provider. The point of sale terminal receives an authentication notification for a consumer from the third party payment provider. The consumer is authenticated using one or more of a personal identification number, an image of the consumer, a quick response code scanned from a mobile device of the consumer, or a code received via near field communications with the mobile device of the consumer. The point of sale terminal requests payment from the third party payment provider for a transaction with the consumer using the transaction amount and authentication information. The third party provider display area allows new payment modalities to be used at the point of sale terminal without requiring modification of the instructions for the point of sale terminal.

Abstract: A method includes electronically receiving at a user device of a second party a digital promise to pay a certain amount of money in exchange for goods or services from the second party, the digital promise to pay being generated by a user device of a first party; electronically sending a request from the user device of the second party to a user device of a third party to electronically transfer the digital promise to pay to the user device of the third party in exchange for goods or services from the third party. Sending the request includes sending at least one set of preferences defined at least by the first party. The method further includes electronically receiving at the user device of the second party from the third party one of an acceptance or a rejection of the request to transfer the digital promise to pay.

Abstract: Systems and methods for verifying users in connection with transactions using payment devices, by which benefits are distributed, are disclosed. One exemplary method generally includes initiating a timer after power-up of a security chip by a terminal, capturing a biometric of a user, at a biometric sensor associated with the security chip, and comparing, by the security chip, the captured biometric to a reference biometric. When the time is unexpired, and the captured biometric matches the reference biometric, the method includes launching a biometric application, whereby the terminal appends a first account number to an authorization request for a transaction to the payment account, when the timer is expired, the method includes launching a standard payment application, whereby the terminal includes a second account number in an authorization request for a transaction to the payment account, the first account number is different than the second account number.

Abstract: The method enables banking data to be programmed in an integrated circuit of a watch by an asymmetric encryption and decryption algorithm. The method includes the steps of: transmitting a public key of the integrated circuit and a digital certificate generated by a certification authority on the basis of a private key of the certification authority and of the integrated circuit public key, from the portable object to a bank, verifying the digital certificate in the bank by a public key of the authority, and if the digital certificate is validated, transmitting encrypted confidential data personalized to an owner of the portable object from the bank to the portable object, and decrypting the encrypted data received by the application-specific integrated circuit of the portable object by means of a private key of the integrated circuit, to store the decrypted confidential data personalized to the portable object owner.

Abstract: A method of payment terminal operation, including: receiving a payment collection request for a payment from an application, generating a payment initiation request for the payment, sending the payment initiation request to a secure processing system, switching the secure processing system from operation in an unsecured mode to operation in a secured mode in response to receipt of the payment initiation request, facilitating payment information entry, and receiving a payment response notification, generated based on the payment information, at the main processor.

Abstract: A document delivery system within an automated transaction machine includes a shuttle for receiving a stack of documents. The shuttle is moveable from a dock location to a user interface location along a track system The shuttle may be utilized with a rear-load configuration or a front-load configuration in which the track system has a travel path from the dock location to the user interface location.

Abstract: A system and method for self-policed, authenticated, offline/online, viral marketing and distribution of content such as software, text, and multimedia with effective copyright and license enforcement and secure selling. The system is based on key and cryptography hiding techniques, using source-to-source transformation for efficient, holistic steganography that systematically inflates and hides critical code by: computation interleaving; flattening procedure calls and obfuscating stack by de-stacking arguments; obfuscating memory management; and encoding scalars as pointers to managed structures that may be distributed and migrated all over the heap using garbage collection. Multimedia/text content may be partitioned and sold with expiry dates for protection and updates for long life. Authenticity of software installed on a machine may be monitored and ensured, supporting even authentic software deployment in an unknown environment.

Abstract: The present application includes a system and method for providing a buyer the ability to submit a single request for bidding from multiple contractors. The system includes program software to network the buyer with multiple bidders, social media, dealer partners, retail centers, and a housing database. The contractors are placed in a reverse auction bidding process where each contractor pays a bidding fee at the time of placing a bid. The fee is in proportion to the size of the bid. Fees are collected from each bidder and the cumulative fee is distributed to the system owner and shared with the dealer partner if used. Social media allows the buyer to see friends who have used the system and upload/download pictures of work done by others in the area.

Abstract: A a network of umbrella rental and return kiosks is described in which users may borrow a high quality umbrella and return it to a kiosk near their destination. The kiosks may be unattended and be configured to both dispense umbrellas and receive returns. Exemplary rental kiosks, in communication with a centralized server, may interface with users, coordinate dispensation, and manage payment. A network, exemplary kiosk, and methods for using the system and kiosk are disclosed.

Abstract: Provided is a POS peripherals controlling device including: a wireless communication unit; an interface part including at least one interface unit; and a controller determining whether data received from a mobile POS host device through the wireless communication unit includes control data for controlling at least one POS peripheral connected through the interface part, when the received data includes control data, checking a target POS peripheral where the control data is to be delivered among the at least one peripheral, and transmitting control data included in the received data to the checked POS peripheral through a first interface unit connected to the checked target peripheral among the at least one interface unit, wherein the control data is generated by the mobile POS host device and is generated in a format corresponding to the target peripheral that is to receive the control data.

Abstract: A system for verifying a price associated with an item in a retail environment includes a price tag having an optical member that includes an optical characteristic that modifies an amount of optical energy that leaves the optical member relative to an amount of optical energy received by the optical member, and a price tag holder including an optical sensor having an emitter and a detector. The emitter is positioned to emit optical energy onto the optical member and the detector is positioned to receive optical energy leaving the optical member. A computing device in operable communication with the optical sensor is operative to determine whether the price tag is accurate based upon a comparison between the amount of optical energy received by the detector and the amount of optical energy emitted by the emitter.

Abstract: A method is provided for detecting a fraudulent electronic payment terminal. The method includes an act, implemented by a mobile terminal independently and prior to a transaction phase, of generating an alarm indicating that the electronic payment terminal is fraudulent. The act of generating an alarm is activated: when no message coming from the electronic payment terminal is received by the mobile terminal before expiry of a predetermined timeout period; or when a phase of verifying a response, received from the electronic payment terminal to a challenge sent out by the mobile terminal delivers a negative verification result, the act of verification being implemented by the mobile terminal.

Abstract: In some embodiments, the present application relates to card-free programs provided by a merchant to a customer, whereby the customer has access to functions such as payment options and/or loyalty program benefits without needing to present a physical card at a point of sale. For example, a customer may make a card-free purchase of goods or services from a merchant, whereby the customer need not present a card such as a debit card, credit card, loyalty card, or other physical tender to make a purchase. Further, the customer need not provide biometric data or otherwise use an electronic device or identifier to make a purchase. Alternatively or additionally, the customer may access a loyalty program without needing to provide a physical card or data associated with a card.

Abstract: The invention generally relates to systems and methods for providing product information via an interactive display device in a dynamic format. The present invention implements a system for defining product variations and assigning references to them at the point of sale or delivery. The system further includes an interactive display device for providing informational data associated with a product variation assigned to a product upon recognition of the product in contact therewith. The present invention is unique in allowing a seller to assign or modify a reference associated with a unique identifier, such as a barcode label, at the point of sale or delivery, thereby changing the information delivered to the buyer based on details about the specific unit sold, the circumstances of the transaction, or the identity of the buyer.

Abstract: A mobile terminal of performing a payment function and a control method thereof are provided.

Abstract: A user activity, which may be a debit or credit card transaction or an online access, is approved, or proximity between two users is confirmed, based on a response or other acknowledgement from a mobile subscriber terminal. The mobile subscriber terminal acknowledgement is generated in response to a query from an authorizing entity associated with the debit or credit card, or another mobile subscriber terminal, and indicates whether or not the mobile subscriber terminal is within a maximum allowable radius from a specific location included in the query. It is noted that no specific location information is included in the mobile subscriber terminal acknowledgement. An application downloaded to the mobile subscriber terminal may generate the above-described acknowledgement.

Abstract: Embodiments provided herein include techniques for enabling a mobile device to communicate with smart media in a manner that can sidestep the secure element of the mobile device—and the costs associated with it. The mobile device can communicate with the smart media using near-field communication (NFC) by creating an encrypted connection with a remote computer while bypassing a secure element of the mobile device. This allows the mobile device to provide point-of-sale (POS) functionality by reading and/or writing to the smart media, without compromising the security of the smart media. Embodiments may further enable the server to provide authentication information to a third party based on the communication between the smart media and the server.

Abstract: A transaction system may receive transaction information for a fueling transaction that includes input data from a communication device in the vehicle. Upon detecting the presence of a wireless device of the vehicle in a predefined wireless service area of a service station, the service station may read the wireless device and may transmit the fuel stop information and to the transaction system. The transaction system may determine if the fuel stop information corresponds to the transaction information and if the fueling transaction is authorized. Upon determining that the fueling transaction is authorized, a transaction authorization indication may be transmitted to the service station and the service station may activate a fuel dispenser system to dispense fuel into the vehicle.

Abstract: Provided are a user equipment for reverse NFC payment, an NFC payment terminal, a reverse NFC payment system including the same, a control method thereof, and a non-transitory computer readable storage medium having a computer program recorded thereon. That is, according to the present invention, since a user equipment operates as a reader/writer and an NFC payment terminal (or POS terminal) operates as a card so as to execute a payment function, it is possible to simplify a payment process and thus possible to improve satisfaction of a user. Further, it is possible to autonomously provide a mobile card service without making an alliance or settling costs with a mobile carrier or mobile phone manufacturer. Thus, it is possible to unify customer management and also reduce costs required to issue cards.

Abstract: Embodiments allow loading and reloading contactless payment devices using only a contactless terminal interface, while providing user authentication. The contactless terminal interface could be at a merchant POS location, kiosk, or embedded or attached to a personal computing device with contactless read/write capability such as a personal computer or mobile phone or Internet device.

Abstract: A system may be configured to perform operations and/or steps comprising querying, by an issuer server, a network server for an alias associated with a transaction account. The issuer server may receive the alias from the network server. The issuer server may also send the alias to an issuer application. The operations may also comprise validating, by the issuer server, an account validation input entered into the issuer application. The issuer server may send an issuer signature criteria that indicate whether the account validation input is valid. The issuer application may add an alias associated with the account to a digital wallet.

Abstract: A method for alternate primary account number generation is described. The method comprises receiving, from a device, an input data string containing sensitive data. The input data string comprises a first portion, a second portion, and a third portion. A plurality of values is generated using the second portion of the input data string, wherein each of the plurality of values are of a predetermined amount of numbers, each of the plurality of values having a corresponding key. A first key is selected, based on the second portion, from the plurality of values. A second key is generated using the first key. An output value is selected, based on the second key, from the plurality of values. An output data string is generated using the first portion, the output value, and the third portion.

Abstract: Methods, systems, and storage media are described for processing point of sale (POS) transactions. In embodiments, a computing device may receive a transaction initiation, and provide a selection of a payment credential to be used to process a POS transaction. The computing device may include a trusted execution environment to process the POS transaction in response to the selection of the payment credential. The trusted execution environment may comprise a payment credential storage unit to store payment credentials and a virtual POS terminal that may validate a merchant terminal associated with the transaction initiation, process the POS transaction using the selected payment credential to generate payment data, and encrypt the payment data. The computing device may communicate the encrypted payment data to a cloud POS service for further processing. Other embodiments may be described and/or claimed.

Abstract: Systems and methods disclosed herein for managing recurring payment transactions. The recurring payment transaction can be based on account information stored by the merchant. When an initial payment transaction is not successful, a resubmission schedule is determined. The resubmission schedule identifies particular time slots within which subsequent payment transactions are to be submitted. The time slots are selected to increase the likelihood of a successful payment transaction.

Abstract: Methods and systems of collating and transmitting information relating to a payment transaction are provided. Current location of the mobile device is determined and merchant data, concerning merchants located within a predetermined distance of the current location of the mobile device is obtained. A list of merchants is generated based on the merchant data and presented on the mobile device. The user is requested to select a merchant from the list of merchants and input data in relation to the payment transaction through the user interface of the mobile electronic device, which requires the input data to be in a predetermined format. The mobile device generates a transaction report, based on the input data and merchant data associated with the merchant selected by the user, in a format compliant with requirements of a backend server and then transmits the transaction report towards the backend server for automatic processing.

Abstract: Systems and methods are provided for processing transactions made at various merchants to payment accounts issued by other different merchants. One exemplary method generally includes receiving a charge request from a first merchant, relating to a transaction for a product at the first merchant between the first merchant and a consumer, where the charge request includes an identifier associated with a payment account used by the consumer in the transaction and issued by a second merchant. The method also generally includes determining, at a computing device, based on the identifier, a uniform account number (UAN) for the payment account where the UAN is unique to the payment account and defining a format different than a format of the identifier, and then causing, based on the determined UAN, a balance of the payment account to be altered.

Abstract: Using common points-of-purchase revealed by back trace windows, a merchant risk system provides suspect merchants to a financial institution (such as a card issuer), identifying merchants who may have had account data (such as credit card numbers) compromised. In one embodiment, merchants are ranked based on spikes in fraudulent transactions on cards used at those merchants. Merchants may also be identified based on merchant risk scores that are calculated using data from the back trace windows.

Abstract: Systems and methods for identifying potentially illicit purchases, especially in card-not-present transactions. In one implementation, a merchant transaction system comprises a processor and memory. The system receives a transaction request from a customer for a card-not-present sale transaction. The system transmits over an electronic network a transaction risk request message to a transaction risk evaluator, and receives over the electronic network a reply message from the transaction risk evaluator, indicating a level of risk associated with the sale transaction. The system can decide whether to proceed with the card-not-present sale transaction based at least in part on the content of the reply message.

Abstract: Method and System for performing secure card less transactions using a user device is disclosed. Initially, an authenticated banking application is downloaded on the user device wherein the downloaded application is linked to a user by a unique ID. To perform a transaction, the user logs in to the downloaded application and after login the user device and the ATM are securely paired, wherein the ATM also has a location based unique ID. The secure pairing process uses parameters such as a specific application identifier and a transaction terminal identifier. Once the user initiates the secure pairing process, the ATM displays a unique number generated by the bank server. The unique number is linked to the user and is entered in the portable device. Further, biometric authentication is performed and after validating a token ID is generated where a User specific UI is obtained and rendered onto the user device.

Abstract: Systems and methods for verifying users in connection with transactions using payment devices are disclosed. One exemplary method generally includes receiving a select command for an AID associated with a payment application from a terminal and, in response, initiating by a security chip of a payment device, a timer after power-up of the security chip by the terminal. The method also includes capturing a biometric of a user, at a biometric sensor, according to the payment application, and verifying, by the security chip, the captured biometric based on reference biometric data. The method further includes, when the timer is unexpired and the captured biometric is verified, appending a first value to a CVR and returning a first AFL to the terminal, and when the timer is expired, appending a different value to the CVR and returning a different AFL to the terminal.

Abstract: A customer service managing method includes identifying a clerk to perform customer service from among a plurality of clerks based on a customer service request and clerk terminal information indicating states of a plurality of clerks, the states being related to customer service, when receiving the customer service request from a second terminal device; transmitting identifying information identifying the customer service request to a first terminal device corresponding to the identified clerk and the second terminal device; updating the clerk terminal information so as to indicate that the identified clerk is performing customer service when receiving reception start information from the first terminal device; updating the clerk terminal information so as to indicate that the state of the identified clerk is in an available state when receiving reception stop information from the first terminal device; and transmitting an end message to stop the beacon to the second terminal device.

Abstract: A method includes issuing a customer service request for a mobile electronic device. Customer preferences are obtained for the issued customer service request. A match between the obtained customer preferences and at least one of a business preference and rules is dynamically determined. Signals provided by the mobile electronic device and electronic devices in a venue are dynamically monitored to determine one or more patterns for the mobile electronic device. At least one service communication channel and a service provider are assigned for the customer service request to provide interaction between the service provider and the mobile electronic device based on the match, the one or more patterns and service provider availability.

Abstract: Embodiments relate to a tool for predicting an attitude of a user towards a target without directly surveying the user. Social media data associated with or related to a target is collected and stored. A set of attitude features are computed from the collected data. A statistical model is built with both the collected data and the assessed attitude features. The statistical data is converted to an attitude prediction, with the prediction emanating from personal and social characteristics as evident in the social media data.

Abstract: A proprietary sales funnel automation system that facilitates the sale of a product or service by systematically “walking” a prospect through an entire sales process. The system uses software as a service technology to manage the sales funnel system as well as the prospects that enter the system. The sales funnel system is preferably constructed using six key modules that are integrated with each other as well as with the other components, to permit an efficient exchange and use of information. These six modules include an introduction module, an application module, a response to application module, a detail presentation module, a financial module, and a closing module.

Abstract: A cross-platform mobile application reporting system is disclosed that generates analytical reports for a business entity sorted on an aggregated business metric. The reporting system receives a set of application properties for one or more mobile applications from a plurality of application stores. The reporting system extracts metadata about a plurality of publisher profiles from the application properties and clusters two or more of the plurality of publisher profiles based on a determined likelihood that the clustered publisher profiles represent the same business entity. The clustered publisher profiles and their mobile applications are associated with a business entity. The business metric for the mobile applications associated with the business entity is aggregated and an analysis report is generated based in part on the aggregated business metric. The report is sent, responsive to the request, for display to a user.

Abstract: Disclosed is a computer implemented method of providing business intelligence based on user behavior. The method may include a step of receiving a user identifier associated with the user from a requesting entity, such as a server computer. Further, the method may include a step of identifying an anonymous identifier corresponding to the user identifier. Additionally, the method may include a step of retrieving anonymous user behavior data based on the anonymous identifier. Furthermore, the method may include a step of transmitting the anonymous user behavior data to the requesting entity. Accordingly, the anonymous user behavior data may be used by the requesting entity to, for example, to enrich data, such as CRM data, of the user with the anonymous user behavior data.

Abstract: Usage data representing the access of a set of resources on a network is accessed. The usage data is based at least in part on information received from client systems sent as a result of beacon instructions included with the set of resources. First and second sets of usage data representing access by client systems classified as a first type and a second type, respectively, are determined based on the accessed usage data. Counts of unique visitors accessing the network resources from each of the first and second types of client systems, based on the first and sets of usage data, respectively, are each determined. A total count of unique visitors accessing the network resources from the first and second types of client systems is determined based on data representing the usage overlap of devices of the first type with devices of the second type.

Abstract: A method for predicting demand for allergens for a given calendar time span utilizes a non-linear network having a set of inputs corresponding to inputs associated with economic and demand data with respect to use of allergens over a first defined time span of the calendar year from a first predetermined calendar day to a second predetermined calendar day. A predictive output is provided for yielding a prediction of economic and demand data over a second defined time span of the calendar year. The second defined time span of the calendar year is later than the first defined time span of the calendar year. The input actual data is through the trained representation to provide a prediction on the output thereof of the nonlinear network of the economic and demand data for the second defined time span of the calendar year.

Abstract: One or more techniques and/or systems are provided for analyzing driver movement. For example, map data is evaluated to identify a point of interest such as a car dealership. A geofence zone is defined to encompass the point of interest within the map (e.g., the car dealership, a parking lot for the car dealership, etc.). Location data, such as global positioning system data, of vehicles is evaluated to determine a count of vehicles that encountered the geofence zone. A visitor count of drivers that visited the car dealership is determined based upon the count of vehicles (e.g., vehicles that remained within the geofence zone for a threshold amount of time indicative of a visit). Driver demographics, vehicle type distributions, and/or other information is determined for the point of interest and/or other points of interest (e.g., distributions of vehicle types that visit the car dealership compared to a local body shop).

Abstract: A computing system supports economic analytics and business outreach, including layoff aversion. The system includes a current and historical business Geographical Information System (GIS) with a database of a region and labor market web-services, a regional economy visual and spatial analytics interactive data visualization (IDV) Graphical User Interface (GUI), and a map-based customer relations management (CRM) GUI for local employer outreach map-based CRM. The IDV GUI and CRM GUI are employed to compile a list of employers of interest, and to apply a financial stress filter to the list of employers. The financial stress filter refers to an external database for a financial stress score for each employer in the list and based thereon determines which employers in the list are in danger of layoffs. Each employer in danger of layoffs is stored in a record in the GIS, and may be the subject of a layoff aversion outreach campaign.