Abstract: A computer-implemented method comprising: receiving, from a primary factor authentication device by one or more computer systems, a request to enroll a mobile device as a secondary factor authentication device; and enrolling by the one or more computer systems the mobile device as a first, secondary factor authentication device.

Abstract: Methods and apparatuses are described for secure video conferencing. A server computing device receives a request to establish a video conference for a sensitive transaction from a first device associated with a user. The server authenticates the first device. The server establishes a conference between the first device and a second device of a second party to the sensitive transaction. The server transmits video images associated with cameras coupled to the first device to the second device, the images comprising a view of the user and an area surrounding the user. The server determines whether persons other than the user are present in the area surrounding the user. The server transmits an alert to the second device if persons other than the user are present, where the alert includes a prompt on the second device for the second party to confirm with the user whether the other persons are authorized.

Abstract: An interactive voice response system is provided that includes a voice response platform that receives incoming calls and provide an interactive voice response service to a calling party. A mobile application executes on a processor that issues a call to the voice response platform. The voice response platform determines whether or not the calling party is a mobile device. If the calling party is a mobile device, the voice response platform sends a translation of a voice menu back to the mobile device to be displayed as a visual (GUI) representation of a voice menu on the mobile device. The visual representation could also be stored on the mobile device to avoid the translation from the voice menu.

Abstract: Described herein are methods, systems, and computer program products for seamless interoperability between multiple computing nodes. A server computing device receives, from a first computing node in a plurality of computing nodes, a message for transmission to one or more other computing nodes, the message generated by the first computing node based upon application-specific instructions from a first application on the first computing node, where the plurality of computing nodes is defined as a virtual network at the server computing device and each computing node includes an ensemble module for communicating with the server. The server determines one or more other computing nodes in the virtual network to receive the message. The server transmits the message to the determined one or more other computing nodes, where each of the destination computing nodes formats the message into application-specific instructions for a second application on the determined node.

Abstract: Methods and systems for retirement planning are provided. A prediction for retirement income is based on financial information of an individual. The prediction includes a confidence level that indicates the level of accuracy of the prediction. The confidence level is based on financial information of the individual.

Abstract: A computer-implemented method, including receiving, by one or more computer systems, a withdrawal request for withdrawal of funds from one or more financial accounts; determining, by the one or more computer systems, whether a discretionary balance of the one or more financial accounts is greater than or equal to an amount of the withdrawal request, with the discretionary balance being based on an amount of funds that are available in the one or more financial accounts and a portion of the available funds allocated to a savings goal; causing an approval of the withdrawal request when the discretionary balance is greater than or equal to the amount of the withdrawal request; and sending a real time notification to a client device of a user associated with the one or more financial accounts when the discretionary balance is less than the amount of the withdrawal request with a real time opportunity for the user to reduce funds allocated to savings goals if required and thereby increasing the discretionary balan

Abstract: Implementations are described for establishing an online financial incentive program that involve receiving first account information from a first user identifying financial account(s) authorized for monitoring and target financial account(s) authorized to receive funds from third party funding sources; receiving second account information from a second user identifying a source financial account to serve as one of the third party funding sources, at least one of the monitored accounts, and at least one of the target financial accounts; receiving reward criteria from the second user that defines a financial event associated with the selected monitored account and a corresponding contribution that is applied to the selected target account from the source financial account; tracking financial activity information from the selected monitored account; and directing funds from the source account to the selected target account when the tracked activity information corresponds to the financial event.

Abstract: Systems and method are provided for determining risk of product release failure in an environment where multiple independent releases come together into a shared environment. A risk factor for success or failure of a product release is based on release information input by a user and information input by other users regarding releases, the users typically on distinct development systems. The information from each distinct system is mapped (e.g., normalized and weighted) into a common schema. A risk index for the product release is determined. The risk index, risk factors, and/or associated information therewith, is presented to a user.

Abstract: Described are methods and apparatuses, including computer program products, for inserting personalized information into digital content. A digital media player receives a personalized video content stream comprising personalized data associated with a user that replaces one or more frames of requested video content. The player extracts the personalized data from the one or more replaced frames of the video content stream, and displays the personalized data and the video content stream to a user.

Abstract: Performing A/B testing of content of a webpage includes selecting one of at least two different versions of the webpage to be displayed to a user through an interactive user interface (e.g., a web browser) based on an identification code, such as an Internet Protocol address or tracker identifier supplied by a cookie, associated with the user.

Abstract: A computer-implemented method comprising: receiving, from a device used by a user, a request to access a resource hosted by a computer system; identifying, by the computer system, a level of risk associated with the user requesting access to the resource; adjusting, by the computer system an authentication standard for access to the resource, adjusting based on the identified level of risk; determining values for authentication factors used in authenticating the user's access to the resource; applying weights to the values for the authentication factors; and determining, based on a comparison of the weighted values to the adjusted authentication standard, whether the user is authorized to access the resource.

Abstract: The SEASONAL PORTFOLIO CONSTRUCTION PLATFORM APPARATUSES, METHODS AND SYSTEMS (“SPC”) transform user data request via SPC components into seasonal portfolio investment transaction records. In one implementation, the SPC may provide an investment analytics and management tool facilitating a user (e.g., investors, consumers, portfolio managers, traders, etc.) to research, build and maintain an investment strategy for a customized portfolio based on a current economic cycle phase.

Abstract: Method and systems for validating a client user in a secured network are provided. Upon authentication, a user is supplied a login cookie that includes verification data. When requesting access to a secured resource, the verification data is compared to the data in the request to confirm that the requestor is a legitimate user and not a user who has stolen the login cookie.

Abstract: A system for deploying rules engine code to an application server is provided that includes an integrated development environment (IDE) system that receives a compiled rules engine code so as to deploy updates to the application server. A deployment tool is integrated within the IDE that directly deploys the creation of a project file and subsequent loading of the project file into the application server.

Abstract: Methods and apparatuses are described for making a charitable contribution. A server computing device receives a request to initiate a charitable contribution transaction from a mobile device, and the request includes a transaction identifier and a user identifier. The server computing device determines a plurality of characteristics associated with the charitable contribution transaction based upon the transaction identifier, and the plurality of characteristics including a contribution amount. The server computing device identifies a user based upon the user identifier. The server computing device charges a first portion of the contribution amount to a first account associated with the user and a second portion of the contribution amount to a second account associated with the user. The server computing device transmits payment instructions to a computing device associated with a recipient charity, and the payment instructions including the contribution amount.

Abstract: A computer-implemented method is provided for evaluating team performance in a product development environment. The method includes receiving a plurality of points of effort made by a team over a plurality of days in a time period, computing a slope associated with a line of best fit through the plurality of points of effort over the plurality of days, computing a deviation of the slope from an ideal slope corresponding to a desired performance rate for the team, and generating a display illustrating at least one of the slope, the ideal slope or the deviation.

Abstract: Described herein are methods and systems for management of web services, including relationship mapping, searching, data mapping, importing web service information to and exporting web service information from a web services repository, and discovering web services at run-time.

Abstract: A beam scale apparatus, which can be implemented as a physical apparatus or presented as a graphical representation through computer-based system, is provided for visually assessing a financial plan and the impact of changes thereto.

Abstract: A computerized-method of integrating workforce information data across multiple business units is provided. Workforce information for each business unit is parsed into discrete sized data blocks. There are multiple steps to processing each data block, and the steps are executed sequentially on each data block and in parallel with processing of other data blocks.

Abstract: A business rules batch processor is provided that includes a business rules manager that sends a plurality of pending requests to a rules database for processing. A business rules orchestrator receives statuses of the pending requests from the business rules manager. The business rules orchestrator manages the batch processing of the pending requests by assessing the rules database usage and job requirements of the pending requests.