Newness and distinctiveness is claimed in the features of ornamentation as shown inside the broken line circle in the accompanying representation.

Display screen or portion thereof with graphical user interface

Methods and apparatuses to connect telephone calls and track information about the telephone calls resulting from advertisements on mobile/wireless media channels. In one embodiment, a method includes: assigning a telephone number to an advertiser, one of the telephone number and a reference to the telephone number to be included in an advertisement provided to an end user via a wireless media; and, monitoring telephone connections to the telephone number to bill the advertiser for the advertisement in response to each telephone connection to the telephone number. In one embodiment, a method includes: a first party providing an advertisement to a mobile device on behalf of an advertiser, the advertisement to include at least a reference to a telephonic connection with the advertiser; and, the first party collecting a fee from the advertiser in response to a telephonic connection being established between the advertiser and customer.

Methods and apparatuses for pay-per-call advertising in mobile/wireless applications

Methods and systems for connecting people for real time communications in a virtual reality environment. One embodiment includes: a virtual reality server to host a virtual reality world; a web server to provide an advertisement to a customer, the advertisement including a reference to a meeting with an advertiser of the advertisement in the virtual reality world, a selection of the reference from the customer to cause the virtual reality server to teleport at least one avatar to a meeting location in the virtual reality world; a session border controller to interface with a packet switched network; and one or more telecommunication servers coupled to the session border controller to connect the customer to the advertiser of the advertisement for real time communications in response to the customer selecting the advertisement. In one embodiment, the advertiser of the advertisement is charged an advertisement fee per completion of the teleporting.

Methods and Systems to Connect People for Virtual Meeting in Virtual Reality

A computer-implemented mortgage loan application data processing system comprises user interface logic and a workflow engine. The user interface logic is configured to receive mortgage loan application data for a mortgage loan application from a borrower. The workflow engine has stored therein a list representing tasks that need to be performed in connection with the mortgage loan application, including tasks for fulfillment of underwriting conditions. The workflow engine is configured to cooperate with the user interface logic to prompt the borrower to perform the tasks. The system is configured to provide the borrower with a fully-verified approval for the mortgage loan application. The fully-verified approval indicates that the mortgage loan application data received from the borrower has already been verified as accurate using information from trusted sources. The mortgage loan application may then be provided to different lenders with the different lenders being able to authenticate the fully-verified approval status.

System and method for processing a loan

A workflow engine for rendering instant credit decisions includes a workflow designer (24), a web site interface, a database, checklists created by the workflow designer and associated with at least one loan offering, and a messaging system for brokering messages between a consumer and a lender. The workflow engine accepts web-based loan applications, processes the loan applications programmatically (38), and renders a loan decision within seconds. The workflow engine uses checklists to evaluate loan applications (96). Each checklist is associated with one loan offering and one lender. Multiple lenders offer multiple loan offerings through the system to compete for consumer/borrowers. The system evaluates loan applications and renders a programmatic loan decision without human intervention (100), subject to verification of the application data.

Automated loan processing system and method

A method for automatically fulfilling lending conditions includes the steps of maintaining a database of a plurality of registered service providers, receiving a loan application having one or more conditions to be fulfilled for the loan application to be approved, evaluating the one or more conditions to determine one or more actions to be taken towards fulfilling the one or more conditions, and automatically executing at least one action of the one or more actions to be taken towards fulfilling at least one of the one or more conditions, wherein the at least one action includes automatically requesting information for fulfilling the at least one condition from a registered service provider of the plurality of registered service providers.

Daniel A. Tealdi

Papers

Online mortgage approval and settlement system and method therefor