A method of goods and services attainment method that is executed via a software application wherein the present invention facilitates a buying and selling of goods with additionally providing the ability to actively negotiate on an item for sale. The present invention includes a plurality of buyers and sellers utilizing a software application loaded onto computing devices wherein the software application provides an electronic marketplace. Enrolled members are offered various types of memberships with benefits while non-members are able to utilize the electronic marketplace. A featured step in the present invention is the ability to broker an active negotiation between the seller and buyer of an item. The present invention further includes a mobile container that is configured to facilitate delivery of the item subsequent the purchase thereof. Multiple embodiments of the mobile container are within the scope of the present invention.

A self-service lender portal provides lenders with a suite of tools for interacting with a multi-lender architecture configured to provide loan applicants with automated pre-qualification and eligibility evaluation for multiple candidate lenders. The lender portal provides lenders with an interface for uploading rule sets defining lending and eligibility criteria, downloading operational data generated from processing loan applicant information, generating and managing security keys for encryption and decryption of sensitive data, and managing access policies for providing single sign-on by interfacing with the lender's own identity management systems.

A device may receive user data associated with a product or service, the user data including a user identifier associated with a user. The device may identify a business application that is relevant to the product or service, the business application being designed to provide the user with a business offer related to the product or service. In addition, the device may provide the user data to the business application and receive, from the business application, business application state data and user response data, the business application state data specifying a partially completed transaction associated with the product or service, and the user response data including information associated with the partially completed transaction. The device may store the business application state data and the user response data, and perform an action based on the business application state data.

Data transfer in a secure processing environment is provided. A digital assistant can receive audio input detected by a microphone of a computing device. The digital assistant can determine, based on the audio input, to invoke a third-party application associated with the computing device. The digital assistant can generate, responsive to the determination to invoke the third-party application, a packaged data object. The digital assistant can forward, to the third-party application invoked by the digital assistant component to execute in a secure processing environment on the computing device, the packaged data object. The third-party application can transmit, responsive to a digital component request triggered in the third-party application, the packaged data object to a digital component selector to execute a real-time selection process based on the packaged data object.

The system and methods described herein allow users to give their applicant information when seeking to purchase a good with financing from multiple potential lenders, and may be pre-screened by one or more rule sets implemented by a marketplace client in an eligibility analysis to ultimately submit applicant information to a subset of the multiple potential lenders which are found to be suitable for lending to an applicant based on the applicant information, wherein lender microservices are then run in a jailed, firewalled, and self-contained, autonomous environment, and the results of said lender microservices are reported to the user and may be used to change the one or more rule sets implemented by the marketplace client for future pre-screening of applicants.

A multi-lender architecture is configured to provide a loan applicant with automated pre-qualification and automobile loan eligibility evaluation for multiple candidate lenders. Lender output data may include sensitive data. The lender output data is stored in a data object of a first format and one or more fields of the data object are encrypted at the field level. The encrypted data object may be transmitted through multiple application layers or terminals. The encrypted data object may be reformatted at one or more application layers or terminals without decryption. A reformatted encrypted data object containing the lender output data may be decrypted at the last layer before forwarding the lender output data to the loan applicant.

A system can be used with a drone delivery service that facilitates a service delivery via at least one drone delivery device. The system includes a code generator configured to generate beacon data that identifies a subscriber. A beacon generator is configured to generate a wireless homing beacon that indicates the beacon data, wherein the wireless homing beacon is detectable by the at least one drone delivery device to facilitate the service delivery to the subscriber by the drone delivery device at a location selected by the subscriber and a network interface is configured to communicate via a network. The system receives delivery image data captured after the service delivery by the drone delivery device.

Systems, apparatuses, and methods are provided herein for sorting items discarded in a shopping facility. A system for sorting discarded items comprises a motorized transport unit configured to travel around discarded items placed in a sorting area in the shopping facility, the motorized transport unit comprises a sensor device and an item mover device, an item characterization database storing characteristics corresponding to a plurality of items likely to be found in the shopping facility, and a central computer system. The central computer system is configured to receive data from the sensor device on the motorized transport unit, determine an item characteristic of an item among the discarded items in the sorting area, determine a sorting category of the item from a plurality of predefined categories, and cause the motorized transport unit to move the item, with the item mover device, from the sorting area into a category area.

Systems and methods facilitate transfer of lodging reservations on a secondary market, thereby maintaining increased inventory availability and flexibility, and avoiding sold-out or no-reservations-available conditions. Would-be travelers or lodgers are permitted to benefit from changing market conditions as they are able to consider selling/transferring previously made reservations to take advantage of price changes in their favor. At the same time, lodging providers are able to participate in profits realized from increasing lodging demand and prices, even where lodging reservations were originally made long in the past.

Systems and methods including one or more processing modules and one or more non-transitory storage modules storing computing instructions configured to run on the one or more processing modules and perform acts of determining that content for a product in an electronic catalog for display on a webpage of an online retailer comprises incorrect content or is missing content, coordinating a first display on mobile electronic devices of a plurality of users of a request to provide additional content that (1) replaces the incorrect content for the product in the electronic catalog or (2) provides the missing content for the product in the electronic catalog, receiving the additional content for the product from the mobile electronic devices of the plurality of users, and coordinating a second display of the additional information of the product on the one or more webpages of the online retailer.