Abstract: System and method for providing personalized, time-varying layered bundles of computer records to users. The system includes personalized servers, a communications network, user interfaces, and client devices employed by users. The personalized server includes a needs analysis module, a bundle building module, and an bundle generating module. A method of providing personalized bundle of computer records includes receiving a request for a personalized bundle of computer records, and requesting user needs data associated with the client. The method further includes converting the user data into determined needs data, and building a bundle of computer records personalized to the user using the determined needs data, which may include a determined needs timeline. The personalized, time varying bundle of computer records includes a plurality of computer records and plurality of types of bundles of computer records represented in the determined needs data.

Abstract: A system and method for automated body mass index is disclosed. The disclosed method operates within a system architecture including one or more computing devices, one or more servers, and one or more databases. A processor operating within the one or more servers executes one or more algorithms for detecting relevant features associated with a potential client's multimedia information. The method may include calculating feature values, such as abdomen circumference, face width, face height, cheekbone width, jaw width, and neck width, and the like as well as calculating the body mass index of the potential client using one or more regression algorithms. A baseline and updated BMI may be determined, and used for determining a baseline and updated value.

Abstract: System and method for providing personalized, time-varying layered bundles of computer records to users. The system includes personalized servers, a communications network, user interfaces, and client devices employed by users. The personalized server includes a needs analysis module, a bundle building module, and an bundle generating module. A method of providing personalized bundle of computer records includes receiving a request for a personalized bundle of computer records, and requesting user needs data associated with the client. The method further includes converting the user data into determined needs data, and building a bundle of computer records personalized to the user using the determined needs data, which may include a determined needs timeline. The personalized, time varying bundle of computer records includes a plurality of computer records and plurality of types of bundles of computer records represented in the determined needs data.

Abstract: A system and method for clustering client records together is disclosed. The system may include statistical models based on characteristics of a record cluster stored in a database. The statistical models may be compared against characteristics of records in a data source in order to cluster the records into different categories. The cluster of records by category may then be output to a computer system in order to send electronic messages.

Abstract: Embodiments in the present disclosure may be directed to provide systems and methods for operating database and performing record set specific computing operations. The disclosed method may operate one or more client computing devices, an analytical engine, one or more wearable devices operatively coupled to one or more client computing devices via a communication network, and one or more databases. The disclosed method may include steps performed by a processor for tracking users to create or join groups with similar lifestyles attributes.

Abstract: Disclosed method comprises generating a fraud detection model comprising an algorithm to determine a likelihood of fraud for a client response based on data from similar customers responding to similar questions and data generated from tracking the client computing device. In response to the likelihood of fraud satisfying a threshold, the method comprises querying and displaying an electronic profile of the client, and inquiring the client as to whether the client is willing to modify any of the responses while monitoring the client device. The method comprises transmitting a fraud value to the customer database, in response to receiving the same input, form the client computing device.

Abstract: A method comprises receiving a consumer token; in response to the consumer token being associated with the consumer in a consumer profile database, transmitting a first set of questions to the consumer device. The method comprises receiving a session request from the consumer device and generating a session token uniquely identifying a time interval for receipt of consumer data from a physician. The method comprises receiving a physician token; in response to the physician token being associated with the physician token within the session token and a time of receipt being associated with the time interval within the session token, initiating a secure communication session with the physician device and transmitting a second set of questions to the physician device. The method comprises generating a consumer score corresponding to the responses to the first and second plurality of inputs and determining a consumer protection product based on the consumer score.

Abstract: Systems and methods can present a financial plan that is based upon a customized selection of goals on a user interface, whereby a set of shapes representing goals can be configured along a timeline and data representing those goals can be edited, which dynamically adjusts a financial plan algorithm to provide a solution in a more dynamic and on demand approach than conventional solutions.

Abstract: A system and method for automated body mass index is disclosed. The disclosed method operates within a system architecture including one or more computing devices, one or more servers, and one or more databases. A processor operating within the one or more servers executes one or more algorithms for detecting relevant features associated with a potential client's multimedia information. The method may include calculating feature values, such as abdomen circumference, face width, face height, cheekbone width, jaw width, and neck width, and the like as well as calculating the body mass index of the potential client using one or more regression algorithms. A baseline and updated BMI may be determined, and used for determining a baseline and updated value.

Abstract: A system and method for automated body mass index is disclosed. The disclosed method operates within a system architecture including one or more computing devices, one or more servers, and one or more databases. A processor operating within the one or more servers executes one or more algorithms for detecting relevant features associated with a potential client's multimedia information. The method may include calculating feature values, such as abdomen circumference, face width, face height, cheekbone width, jaw width, and neck width, and the like as well as calculating the body mass index of the potential client using one or more regression algorithms. A baseline and updated BMI may be determined, and used for determining a baseline and updated value.

Abstract: System and method for providing personalized, time-varying layered bundles of computer records to users. The system includes personalized servers, a communications network, user interfaces, and client devices employed by users. The personalized server includes a needs analysis module, a bundle building module, and an bundle generating module. A method of providing personalized bundle of computer records includes receiving a request for a personalized bundle of computer records, and requesting user needs data associated with the client. The method further includes converting the user data into determined needs data, and building a bundle of computer records personalized to the user using the determined needs data, which may include a determined needs timeline. The personalized, time varying bundle of computer records includes a plurality of computer records and plurality of types of bundles of computer records represented in the determined needs data.

Abstract: A system and method for clustering client records together is disclosed. The system may include statistical models based on characteristics of a record cluster stored in a database. The statistical models may be compared against characteristics of records in a data source in order to cluster the records into different categories. The cluster of records by category may then be output to a computer system in order to send electronic messages.

Abstract: A system and method for automated body mass index is disclosed. The disclosed method operates within a system architecture including one or more computing devices, one or more servers, and one or more databases. A processor operating within the one or more servers executes one or more algorithms for detecting relevant features associated with a potential client's multimedia information. The method may include calculating feature values, such as abdomen circumference, face width, face height, cheekbone width, jaw width, and neck width, and the like as well as calculating the body mass index of the potential client using one or more regression algorithms. A baseline and updated BMI may be determined, and used for determining a baseline and updated value.

Abstract: System and method for funding via a prepaid card a financial product intended at a time of purchase by a purchaser for a customer. A customer cash account is created and funds allocated to the prepaid card are redeemed solely as cash funds in the customer's cash account. The customer may either withdraw at least some of the cash funds in the customer's cash account or apply at least some of the cash funds in the customer's cash account to a financial product. In response to receiving the customer's instructions to apply at least some of the cash funds from the customer's cash account to a financial product selected by the customer as well as their acknowledgement of disclosures or consent to an agreement related to the selected financial product, the cash funds are applied to an associated financial product account.

Abstract: System and method for funding via a prepaid card a financial product intended at a time of purchase by a purchaser for a customer. A customer cash account is created and funds allocated to the prepaid card are redeemed solely as cash funds in the customer's cash account. The customer may either withdraw at least some of the cash funds in the customer's cash account or apply at least some of the cash funds in the customer's cash account to a financial product. In response to receiving the customer's instructions to apply at least some of the cash funds from the customer's cash account to a financial product selected by the customer as well as their acknowledgement of disclosures or consent to an agreement related to the selected financial product, the cash funds are applied to an associated financial product account.

Abstract: A consumer-driven system and method for promoting philanthropic giving/lending and social activism based on customer purchases. The system and method optimizes the choices on the part of the Customer in the selection of one or more Funding Options and allocation of Funding Points among one or more selected Funding Options. Feedback information concerning the progress of the funds permits the Customer to evaluate the effectiveness or success of the Funding Option; target feedback content to the Customers that have provided funds via the sponsoring entity; and/or prompt the donor/lendor for additional involvement or action concerning the Funding Option to promote continued engagement on the part of the Customer.

Abstract: A method and system is disclosed for displaying a program, commercial or a promotional message to a viewer of a viewing appliance. A method has steps of transmitting a television signal such that a display screen displays live or pre-recorded audio/visual programming; and opening a visually distinct on-screen area, region, window or stripe on the display screen upon command of the viewer, the on-screen area displaying information that provides the viewer with a capability to interactively obtain selected information from an information provider through a data communications network, such as the Internet, or to participate in an interactive application, such as a poll. The method implements steps of sending a first trigger signal (a VBI trigger) from a server for prompting the viewer to select whether the viewer wishes to have the on-screen area displayed during a program and, if the viewer so wishes, operating an input device for sending an affirmative signal to the viewing appliance.