Abstract: A computer assisted method selecting a potential audience for an advertisement wherein the method may include electronically receiving data relating to at least one financial transaction between a customer of an organization and a third party, electronically receiving data relating to at least one demographic of the customer, and using a demographic evaluation computer to determine a potential audience for an advertisement based on the financial transaction data and the demographic data.

Abstract: Encryption of electronic messages may be automatically processed by a messaging system based on keywords or other attributes of the messages. In one example, if the message includes a predefined keyword, the messaging system may automatically encrypt the message for all recipients outside of a private network. In another example, the messaging system may automatically encrypt messages based on recipient address. Thus, if a recipient is on a list of addresses to which encryption applies, the message being sent to that particular recipient may be encrypted while a copy of the message being sent to other recipients not on the list might remain unencrypted.

Abstract: User identifiers associated with a plurality of enterprises may be integrated. A request is received to link a plurality of user identifiers associated with a plurality of enterprises. A first user identifier associated with a first enterprise is received, and a second user identifier associated with a second enterprise is received. The first user identifier and a first enterprise identifier are stored in a first data structure of a memory. The second user identifier and a second enterprise identifier are stored in a second data structure of the memory. A first account identifier associated with the first user identifier is determined by a processor. A second account identifier associated with the second user identifier is determined by the processor.

Abstract: Analyzing educational saving plans by considering the tax implications of these plans is provided by storing a plurality of educational institution identifiers and a plurality of educational savings plan parameter sets. Each of the educational institution identifiers is associated with a corresponding set of cost parameters specifying room, board, and tuition costs for the respective educational institution. Each of the educational savings plan parameter sets specifies a characteristic of a corresponding educational savings plan. A comparative analysis of educational savings plans is generated by applying a retrieved set of cost parameters for each educational plan parameter sets. This comparative analysis takes into consideration tax implications of an educational savings plan. The results of the comparative analysis are outputted on a display and/or printout so that an investor can determine which of the plurality of educational savings plans best meets their needs.

Abstract: Behavior associated with credit misuse is referred to herein as “intentional misuse of credit” (IMOC) behavior and individuals who exhibit IMOC behavior are referred to herein as IMOC individuals. Embodiments of the present invention provide systems, methods, and computer program products for reviewing, on a daily basis, financial-transaction data taken across a plurality of individual consumers, identifying individual consumers whose financial-transaction data indicates IMOC behavior, and flagging those individual consumers as IMOC individuals.

Abstract: The disclosure addresses the detection of anomalous activity. Some embodiments are directed towards consolidating information from multiple data feeds. Exemplary information may relate to: extrusion violations, failed logins, sensitive fields access, sensitive objects access, escalation of privileges, or activity during a specific time frame within a time period, and combinations of one or more of these. In one embodiment, duplicate data may be removed or consolidated.

Abstract: A method for providing a life calendar for a user includes gathering and tracking user data. The user data includes data associated with user-specific events and financial data. Recommendations are determined for the life calendar user based on the user data and may be refined based on bank data. Upon request, the life calendar is presented to the user populated with at least one of user data, user events, and recommendations.

Abstract: The disclosure addresses the detection of anomalous activity. Some embodiments are directed towards a system for receiving an indication relating to a plurality of controls, identification information associated with a responsible account, and instructions from a responsible account associated with the monitoring of thresholds of controls being monitored. The plurality of user account may be organized into groups based upon information relating to the user accounts, and instructions may be applied to the groups to create a dynamic security policy.

Abstract: Methods, computer readable media, and apparatuses for processing transactions involving external funds are presented. A funding source associated with a financial institution different from a financial institution at which a transaction is being conducted may be identified. The funding source may be validated and registered with the financial institution at which the transaction is being conducted. In some examples, a trust level may be determined for a user associated with the funding source, and the amount of funds available for transacting may be limited based on the trust level. In some examples, an amount of funds from the funding source available for transacting may be limited by an amount of funds associated with the user at the financial institution where the transaction is being conducted. Responsive to risk factors being met, the requested transaction may be rejected automatically.

Abstract: Aspects of this disclosure relate to a method of electronically receiving data from a first external source regarding the creation a first financial account or an update to the first financial account and storing the data from the first external source in a database. Further, the method includes determining whether the data from the first external source represents the creation of the first financial account or an update to the first financial account and if the data from the first external source represents the creation of the first financial account, then electronically transferring to a second external source the data from the first external source.

Abstract: Techniques for notifying a customer of a financial institution about an alert message over a communication device are disclosed. Upon contacting an alert message center of the financial institution, the customer is presented with a notification of alert messages and may choose what action to take with respect to each alert message. The customer may respond to those issues that the customer deems important enough to warrant immediate attention without having to also sort through numerous other issues that the customer does not wish to address at the time. The alert message center collects and sorts alert messages for presentation to the customer according to various customer preferences that are updated and stored by the alert message center.

Abstract: Aspects of this disclosure relate to a method for transferring funds involved in a financial transaction of a customer by utilizing the mobile device of the customer, including determining device identification data for a mobile device, associating the device identification data to a financial account of a customer, receiving a fund transfer request that includes data identifying the mobile device and an amount of funds to transfer from the financial account of the customer to a financial account of the seller, verifying the fund transfer authorization based on the device identification data, and initiating the fund transfer between the customer's financial account and the financial account of the seller.

Abstract: Method and apparatus for enabling authentication of on-line communications. In some embodiments, a message code is embedded in an e-mail, where the message code can be used by the recipient to verify the authenticity of the e-mail or of a Web site. In some embodiments, this code can be created for a particular e-mail message; in other embodiments, the code is created as a watermark for use by a customer or other a specific user or recipient. The message code is associated with both the e-mail message and the recipient. In the case of a message-specific code, a recipient can verify the e-mail message by inputting the code via a Web server to be looked up in the database. Provision is also made for including steganographic information in graphical or other codes as further authentication when accessing a Web site.

Abstract: A bank customer of a first bank in a first country has a bank account. The bank provides a banking service whereby customer is able to send cash to a recipient in a second country via a commingled bank account belonging to a second bank. The cash is provided to the recipient in the currency of the second country by a third party payment agent. To effect a transfer, the bank customer in the first country instructs the first bank to debit his or her account and send cash to a designated recipient. In response, the first bank debits the customer's account, sends first payment instructions to the second bank, and transfers funds to a commingled account at the second bank. Funds from this commingled account are used to pay for the cash provided to the recipient. The banking service may be provided free of charge to a banking customer of the first bank.

Abstract: Systems and methods for environmental adjustments using biometrics are described. A scanned biometric parameter of an individual may be received and a determination may be made as to whether the scanned biometric parameter of the individual matches a stored biometric parameter of a plurality of stored biometric parameters. Biometric parameters include retinal images, DNA, and voice samples. If a match exists, the individual may be identified based upon the stored biometric parameter. At least one adjustment to change on at least one device based upon the identified individual may be determined. The at least one device may be configured for modifying an environmental condition of the identified individual. At least one instruction to implement the determined at least one adjustment may be transmitted. The adjustment may be a physical adjustment to the device, such as the height level of a chair.

Abstract: Embodiments of the invention include a merchant offer program application, which is downloaded onto a customer computer, and that works in connection with the customer's accounts at an institution. The merchant offer program application monitors the websites that the customer views, as well as the content the customer is viewing on those websites, such as the products offered for sale through the website or other information on the website. The merchant offer program provides additional information to the customer, such as special offers that are available for the product being viewed, the identity of other merchants that offer the product or a competing product, advertisements or offers regarding other ancillary products typically sold along with the product being considered, etc. The information sent to the customer can be based not only on the website product being viewed, but on the customer's past purchase behavior, account balances, interests, etc.

Abstract: Embodiments of the invention include a merchant offer program application, which is downloaded onto a customer computer, and that works in connection with the customer's accounts at an institution. The merchant offer program application monitors the websites that the customer views, as well as the content the customer is viewing on those websites, such as the products offered for sale through the website or other information on the website. The merchant offer program provides additional information to the customer, such as special offers that are available for the product being viewed, the identity of other merchants that offer the product or a competing product, advertisements or offers regarding other ancillary products typically sold along with the product being considered, etc. The information sent to the customer can be based not only on the website product being viewed, but on the customer's past purchase behavior, account balances, interests, etc.

Abstract: Embodiments of the present invention provide apparatuses and methods for a currency equivalency application for a business activity monitoring (BAM) applications. The currency equivalency application monitors business activities across international processes and systems that deal with multiple types of currencies. The user enters into the currency equivalency application user defined preferences, such as, but not limited to, the BAM application to which to apply the preferences, the type of currencies, value amounts, dates for the actual currency exchange rate, dates for future currency exchange rates, confidence scores, etc. The currency equivalency application identifies the proper exchange rates and in some cases estimates future exchanges rates, and converts the output for currency values in BAM applications into the user defined currency values, which allows the users across the world to quantify and view the currency value outputs in a form that the user understands.

Abstract: Embodiments of the invention provide for monitoring transactions and providing related savings metrics in association with a financial institution-based merchant offer program. Since the transaction monitoring occurs at the financial institution level, the savings metrics may include both amounts saved by accepting the merchant offers associated with the program and savings amounts lost by conducting a transaction absent a merchant offer when an applicable merchant offer was available.

Abstract: Embodiments of the invention provide for systems, devices, apparatus, methods and computer program products for pre-population of data entry fields in a merchant checkout system. Based on the offer program customer's relationship with the financial institution and the financial institution relationship with the merchants the check-out system is able to leverage these relationships to provide for a more efficient check-out process.