Kabbage, Inc.

American Express Kabbage Inc.

Other

American Teleconferencing Services, Ltd.

American Teleconference Services, Ltd

American Express Travel Related Services Company, Inc.

Compucredit Intellectual Property Holdings Corp. Ii

Robert Frohwein

Kathryn Petralia

David Michael Guthrie

Boland Timothy Jones

Benjamin Cowen

Marc Gorlin

Peter Stewart

Randolph J Leigh

J Douglas Martin

Nicole C Santoro

Troy Adam Deus

Laurence Schaefer

Vladmir Mijatovic

Kathryn Honderd O'Day

Kristel Adler

A method, apparatus, and computer readable storage to implement a lending system for use with electronic commerce web sites such as auction sites. A seller may receive a cash loan for items placed for sale but not yet purchased by a buyer. The seller can be required to pay back the loan after a predetermined amount of time or as soon as the item for sale is sold and payment is received from the buyer. The lender would charge interest or commission for the loan. In this manner, sellers can receive cash for items listed on auction sites before those items are actually sold, generating additional cash flow for the seller.

Apparatus to provide liquid funds in the online auction environment

A method, system, and computer readable storage to enable a user to apply for a loan with a dynamic repayment structure. Instead of periodic payments being fixed, the payments can be variable based on a collection rate. The collection rate is determined from historical financial data for the user. For example, the collection rate can be a fixed percentage of all profit for each month. In this manner, the user's monthly payments are more commensurate with their monthly cash flow thereby reducing the default rate.

System, method, and computer readable storage medium to determine and accept dynamic payments in an open network

A method, apparatus, and computer readable storage to implement a lending or cash advance system that can be (but is not required to be) integrated with an online commerce site. Sellers on the online commerce site can click a button or tab in their web browser that is visiting the online commerce site and information known to the online commerce site is automatically shared with a potential cash provider. The information can include sales data related to the seller's business on the online commerce site that can be applied to a formula used by a cash provider to evaluate the risk associated with lending the seller cash. A financial account used by the seller can rapidly receive the cash loan (if approved) and payments received by the seller from buyers would go into this financial account which is then used to automatically pay the cash provider back at agreed upon terms.

A machine-learning system which utilizes neural networks and other machine learning concepts to automatically categorize a stream of data. Known financial data can be analyzed and trained as part of a machine learning system. Then, a new set of a financial data for a particular user can be analyzed and automatic determinations can be made whether the user is a small business or consumer, and what industry the user is in.

System to automatically categorize

A distributed system that includes a merchant application, a buyer application and a seller or drummer application. The applications reside and run on personal computing devices and operate together to allow a merchant to create an offer, drummers to select, present and share the offer with buyers, and buyers to receive and save the offers in anticipation of a conversion. Upon a conversion, revenue derived from the transaction is provided to the merchant but, some of revenue is shared with one or more drummers involved in pushing the offer.

Distributed system to enable dynamic, on-demand sales force with merchant, seller and buyer networked

Method and apparatus to evaluate and provide funds in online environments

A method, apparatus, and computer readable storage to implement a lending or cash advance system that can be (but is not required to be) integrated with an online commerce site. Sellers on the online commerce site can click a button or tab in their web browser that is visiting the online commerce site and information known to the online commerce site is automatically shared with a potential cash provider. Data from a delivery service can be automatically retrieved by the cash provider/cash server in order to determine the volume of shipments that the seller has been making. This volume can be used when the cash server determines the seller's score in order to evaluate an application for cash.

A method, apparatus, and computer readable storage to manage and display mini Graphical User Interface (GUI) applications, or widgets. A widget controller can be associated with a plurality of widgets, upon which a user of the widget controller can then cycle among the associated widgets to display a selected widget. This conserves space on an output device since space for only one widget is needed. Widgets controllers can be embedded on web pages which are part of social networking sites. Particular widgets associated with a widget controller can be automatically determined and associated based on content of a web page containing the widget controller.

Method and apparatus to operate different widgets from a single widget controller

Apparatus to provide liquid funds in the online auction and marketplace environment

Growing community of inventors

Atlanta, GA, United States of America

Robert Frohwein