Methods for an augmented-reality system for enabling rapid selection of a virtual feature with limited user interaction includes establishing a data connection between a head-mounted display device (HMD) and a network, and the HMD generating and displaying a virtual selectable feature based on detection of an item or characteristic appearing in a view of the real-world environment, as well as obtaining first information from a HMD sensor indicating a particular user interaction with the HMD, such as the user gazing at the feature for potential selection. The HMD then displays a countdown timer that operates over a predetermined time interval. If the HMD determines that the user interaction is continuous for that time interval; it transmits a request signal to a computer server offering content associated with the selected virtual feature; and displays virtual content, and/or executes a software program based on the received content from the computer server.

Establishing an AI empowered global loan matching of borrowers and lenders, by creating a loanchain of atomic loans. Large long duration loans are constructed from a succession of small, short duration loans, thereby mitigating lender's risk, and pulling into the loan dynamics hundreds of billions of dollars that currently earn no interest to their owners.

A method of operating an online financial product corresponding to transaction at the order of a participation entry included in a Rotating Savings and Credit Association (RoSCA)-type online financial product includes receiving a search request message including search condition information for a desired financial product of a user from a user terminal; searching for a first matching financial product, which is a first financial product matching the search condition information among at least one first financial products that have been opened and are in progress; setting detailed information of a first virtual participation entry on the basis of detailed information of the vacant participation entry of the first matching financial product and the search condition information; and transmitting a search completion message including the detailed information of the first virtual participation entry to the user terminal. The method is performed in a financial service server.

A method of operating an online financial product corresponding to transaction at an order of a participation entry included in a Rotating Savings and Credit Association (RoSCA)-type online financial product includes transmitting information of a target financial product including detailed information of a first participation entry to a first user terminal; receiving a first request message requesting partial participation in the first participation entry from the first user terminal; and allowing a first user corresponding to the first user terminal to participate as a first partial participant of the first participation entry on the basis of reception of the first request message. In this case, the target financial product includes a plurality of participation entries including the first participation entry. The method is performed in a financial service server.

A method for automatically avoiding failed customer payments with respect to electronic fund transfers may include receiving, by a facilitation agent, account transaction data associated with payments attempted with respect to a plurality of payment instruments for a plurality of customers, employing a machine learning platform to determine a predicted suitability rating for each of the plurality of payment instruments for the plurality of customers, transmitting a message to a selected one of the customers to provide an interface console with payment instrument options displayed based on the predicted suitability rating, and in response to selection of a payment instrument option by the selected one of the customers, modifying a payment source associated with a future payment to be made to a selected payment instrument associated with the selected payment instrument option.