Abstract: A financial interaction or communication related to a set of financial behaviors is facilitated. The financial interaction drives behaviors to affect a real-time credit risk, and the visualization of alterations (increases and decreases) of the credit risk as direct feedback during the financial interaction. The system demonstrates how behaviors identified in the financial interaction affect credit risk. Based on the financial interaction, estimates can be made of a financial score and presented in a display.

Abstract: Financial behaviors are analyzed for behavioral data to determine financial measures related to a trustworthiness score. A financial communication is facilitated in order to modify one or more behaviors. The financial measures are determined according to the financial behavior data and further information obtained from the financial communication. The financial communication drives behaviors to affect a real-time credit risk, and a visualization of alterations of financial measures and credit risk as direct feedback. The system demonstrates how behaviors and personal data identified affect credit risk. Based on the financial transactions and the communication exchange, estimates can be made of a financial score that comprises the financial measures, and further presented in a display.

Abstract: Techniques for managing participation of market participants in a credit exchange and providing automated real-time approved financial offers to communication devices associated with users are presented. An open credit exchange platform (OCEP) includes a credit management component (CMC) that facilitates standardizing financial products to facilitate comparing financial offers from different market participants and identifying a preferred financial offer. CMC also notifies a market participant when its offer is selected by the CMC and/or consumer. CMC tracks performance of financial offers made to consumers by market participants via the OCEP relative to offers by other market participants, analyzes information relating to the tracked performance, and generates analytics feedback information based on the analyzed information.

Abstract: Techniques for providing a financial services platform that can facilitate providing financial services to communication devices associated with users are presented. The financial services platform provides an interface that can incorporate base financial services and can allow a communication device user to turn on or off various add-on financial service functions. Financial service providers or third-party developers can develop, and provide to communication devices of users, financial services via a unified, standardized system provided by the financial services platform, and can create financial services by combining financial service modules associated with the financial services platform. The financial services platform provides financial services for identity management by communication devices users, credit exchange services to make pre-approved financial offers to users, and electronically signing of financial documents to create legally binding contracts with regard to pre-approved financial offers.

Abstract: The performance of obligations is facilitated with respect to a discount received via a loyalty program. For example, the performance of the obligations can be facilitated via: managing information regarding the obligation of a user of the loyalty program; determining a path to satisfaction of the obligation based on a location of a mobile device associated with the user; and producing a notification regarding fulfillment of the obligation based on the path.

Abstract: Techniques for providing automated real-time approved financial offers to communication devices associated with users are presented. An open credit exchange platform (OCEP) includes a credit management component that collects personal and financial information respectively associated with users. Financial service providers associated with the OCEP generate approved financial offers, based on the personal and financial information, and assessment criteria of the financial service provider, and provide these financial offers to the OCEP. The OCEP evaluates the financial offers directed to a user and identifies at least a preferred financial offer for presentation to the communication device of the user. If the user decides to accept the financial offer, the user can enter the user's electronic signature on a contract relating to the financial offer via the communication device, and the electronic signature can verify the user's electronic signature, to facilitate creating a legally binding contract.

Abstract: A financial interaction related to personal data analytics and behavioral data is facilitated. The financial interaction drives behaviors to affect a real-time credit risk, and provides direct feedback during the financial interaction. The system operates as a personal companion for assisting clients with personal financial decisions as well as personal interactions according to personal data and behavioral data learned about the user. Communications from the system can be initiated to facilitate a conversation according to data learned, such as personal data, user preference data, and behavioral data from different financial transactions. Based on continued interactions with the user, estimates can be made of a financial score and rewards or stimulus can be presented to the user.

Abstract: Financial transactions are tracked and a communication thread related to a financial transaction is generated. A reward stimulus is offered as part of and related to the communication thread. A third party vendor or a bank server can identify the communication thread and initiate a communication with the reward stimulus. A behavior profile can be generated based on the financial transaction and personal data including purchases tracked and spending habits. A communication exchange can be initiated on a mobile device as part of the communication thread based on predetermined options such as important dates, a geophysical location, social networking activity, a reminder, the behavioral profile, an inquiry and/or feedback received or published.

Abstract: An interface control is activated to provide a signature to a legal document, an application for a contractual obligation or other document requesting legal signature, in conjunction with an optional payment mechanism. The interface control initiates facilitation of signing of the document or application, and optionally enables payment for the document, application or associated product or service. A client signature generated from a client with a client device and purchasing data of the client are provided in a transaction in response to activation of the interface control.

Abstract: Systems and methods for scheduling workforces are provided.

Abstract: A financial interaction related to a set of financial behaviors is facilitated. The financial interaction drives behaviors to affect a real-time credit risk, and the visualization of alterations (increases and decreases) of the credit risk as direct feedback. The system demonstrates how behaviors identified in the financial interaction affect credit risk. Based on the financial interaction, estimates can be made of a financial score and presented in a display.

Abstract: Systems and methods of integrating workforce management and contacts analysis are disclosed. An exemplary method comprises receiving content data derived from classification of a plurality of recorded agent contacts. The contact content data is correlated with past time period. The method also comprises identifying at least one pattern in the contact content data. The pattern is based on the contact classifications. The method also comprises receiving historical workload data from a contact router, and generating a workload forecast based on the historical workload data and the identified pattern.

Abstract: Methods and systems are presented for integrating workforce management and quality monitoring. In one embodiment, the method comprises the steps of: receiving information about a skill; capturing a plurality of contacts made by an agent; receiving an evaluation of the contacts; and updating the skill information based on the evaluation. The skill is associated with an agent, and the evaluation measures the agent skill. In another embodiment, the method comprises the steps of: receiving information about a skill; capturing a plurality of contacts made by an agent; receiving an evaluation form for the contacts; and updating the form based on the skill information. The skill is associated with an agent, and the form produces a measurement of the agent skill.

Abstract: The systems and methods described herein provide a drill through engine that facilitates integration of solutions for performing workforce management, quality monitoring, e-learning, performance management, and analytics functionality. The drill through engine facilitates combining quality monitoring/call recording with performance management and e-learning functionality as a unified integrated solution. The combination can be delivered through a single platform and enables users to gain more insight and make smarter decisions faster about sales, service, and overall operations. This takes customer center tools beyond the traditional “suite” approach to a true single workforce optimization platform.

Abstract: A method and system for handling real-time indications of resource scheduling conflicts. In one embodiment, the method includes a computer system including a user interface, display, processor, and some form of memory. Contained within the memory is a resource scheduling process that analyzes resource data, scheduling criteria, and work parameters to create a working schedule. In conjunction with the creation of a working schedule, the scheduling process detects resource conflicts that can inhibit the schedule's functionality. Once detected an identification process conveys the error to the user concurrently with the schedule process to provide the user with a real-time indication of resource conflicts. The indication is presented in an unobtrusive manner so as to not interfere or impede the scheduling process. In addition, should the specific resource causing the conflict be identifiable, the indication process conveys that information in a similar real-time methodology.

Abstract: Systems and methods for scheduling workforces are provided.

Abstract: Systems and methods for integrating outsourcers are provided. In this regard, a representative method includes: receiving information corresponding to resources of a first contact center; and correlating the information with other information in order to improve integration of resources of the first contact center with resources of one or more other contact centers.

Abstract: Systems and methods for scheduling contact center agents are provided. In this regard, a representative method includes: receiving information corresponding to work schedules and skills of agents of a remote contact center that shares contacts with a local contact center; correlating the skills with skills that are to be used for scheduling agents of the local contact center; and generating work schedules for the agents of the local contact center based, at least in part, on a correlation between the skills of the agents of the remote contact center and the local contact center, and an evaluation of the work schedules of the agents of the remote contact center.

Abstract: A method and system for handling real-time indications of resource scheduling conflicts. In one embodiment, the method includes a computer system including a user interface, display, processor, and some form of memory. Contained within the memory is a resource scheduling process that analyzes resource data, scheduling criteria, and work parameters to create a working schedule. In conjunction with the creation of a working schedule, the scheduling process detects resource conflicts that can inhibit the schedule's functionality. Once detected an identification process conveys the error to the user concurrently with the schedule process to provide the user with a real-time indication of resource conflicts. The indication is presented in an unobtrusive manner so as to not interfere or impede the scheduling process. In addition, should the specific resource causing the conflict be identifiable, the indication process conveys that information in a similar real-time methodology.

Abstract: Systems and methods for scheduling contact center agents are provided. In this regard, a representative method includes: receiving information corresponding to work schedules and skills of agents of a remote contact center that shares contacts with a local contact center; correlating the skills with skills that are to be used for scheduling agents of the local contact center; and generating work schedules for the agents of the local contact center based, at least in part, on a correlation between the skills of the agents of the remote contact center and the local contact center, and an evaluation of the work schedules of the agents of the remote contact center.