Abstract: Methods and apparatuses are described for real-time system processing capability determination and workflow adaptation for target regions in a customer information control system. A target region computing device detects a condition in a target region. The computing device publishes a global data element to a list upon detecting the condition, where the global data element includes an identifier associated with the target region and an identifier associated with the detected condition. The gateway receives a workflow request that is compatible with a plurality of target regions including the target region and executes one or more actions based on the workflow request and the detected condition.

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: Methods and apparatuses are described generating a funding and investment strategy associated with an underfunded pension plan. A computing device determines an amount of funding required to fund the pension plan to a predetermined liability limit, where the amount of funding required is adjusted for (i) an expected return on pension plan assets, (ii) governmental premiums imposed on underfunded pension plans, and (iii) tax deduction amounts. The computing device determines an amount of debt to incur based on the amount of funding required, and contributes the incurred debt amount into the pension plan as a pension plan asset. The computing device generates a strategic plan for investing the contributed pension plan asset in long-duration bonds, where the long-duration bonds have a higher yield curve than the incurred debt interest rate. The computing device acquires long-duration bonds that have characteristics consistent with the strategic plan.

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: An optical network including at least one optical network node that receives an optical signal for either transmission or reception. The optical network node analyzes the optical signal and applies communication protocols necessary for optical transmission or reception of the optical signal to or from the optical network. At least one communication module is coupled to the at least one optical network node either decodes or encodes the optical signal by identifying or adding at least one wavelength to the optical signal for security.

Abstract: Methods and apparatus, including computer program products, for measuring how well interactive components of a service facility that are accessible to users through a communication network perform in serving users, the interactive components being a proper subset of all of the interactive components of the service facility, and using the results of the measuring to evaluate the performance of the service facility with respect to a target performance.

Abstract: A asset planning and tracking system plans and tracks progress towards a savings goal and analyzes the consumption of assets that are being used to satisfy the savings goal. The system may further be configured to analyze a user's periodic (e.g., monthly, quarterly, yearly) transactions and provide suggested transactions if the user has excess income for the period. An asset planning and tracking system may be implemented in the context of a retirement planning system to aid a non-retired user in planning for his or her retirement and to aid a retired user in tracking the consumption of retirement assets.

Abstract: A computer-implemented method comprising: retrieving information indicative of sets of upper level portfolios; retrieving information indicative of a plurality of objectives for the sets of upper level portfolios; retrieving a plurality of constraints, with at least one of the constraints restricting aggregate trade amounts for the same lower level portfolio across the sets of upper level portfolios, and with a constraint comprising a parameter that is at least partly based on an objective and attributes of the sets of upper level portfolios; and executing by one or more computer systems a collection of optimization rules to apply across the sets of upper level portfolios to current trade amounts of the sets of upper level portfolios and to the objectives according to parameters specified by the constraints to determine rebalanced trade amounts for the sets of upper level portfolios.

Abstract: A method for using multiple channels to access a resource, wherein an authenticated user requests a resource that requires a second authentication parameter over a first channel, a token value is transmitted to the user on the first channel, and the user transmits the token value and a second authentication parameter over a second channel. The token value is used to associate the first authentication parameter to the second authentication parameter, whereby the user is allowed access to the resource on the first or second channel.

Abstract: A feed management system is provided that includes a first application module receiving from a user a plurality of fields for processing. The first application module reads meta data from one or more database servers so as to form configuration data for extracting information from the one or more database servers. A generic feed program receives the configuration data and invokes a plurality of extractions of feed data from the one or more database servers. The generic feed program generates one or more feed files associated with the extractions of feed data.

Abstract: An automated account management system provides a user with the ability to establish rules that dictate how the account management system is to manage the user's accounts. Once the user specifies a set of rules, the system automatically manages multiple accounts across multiple financial institutions in accordance with the user-defined rules. Other features, such as an on-line bill payment system, a money transfer system, and a retirement planning system, may be integrated within the automated account management system to provide the user with even greater control over his or her financial assets.

Abstract: System and method for providing participants, and in particular employees, a choice of how to allocate their non-typical benefits, i.e. earned reward amounts or incentives of an employee wellness program, and to manage these additional benefits in conjunction with other employee benefit programs such as health benefits, retirement benefits, 401(k) plans etc. in a manner that provides maximum benefit, interaction, and understanding of selected benefit allocation. The system provides increased user control to increase the perceived value of the rewards earned as well as increase to the participants' engagement in the behavior being incentivized. The system also provides a way to integrate various benefit programs providing a more user friendly and efficient system that encourages employee interaction and understanding.

Abstract: Methods and apparatuses are described for determining a succession planning track for a registered investment advisor. A server generates a plurality of statements associated with business and personal goals, and each statement in the statement sets is associated with one or more succession planning tracks. The server determines one or more preliminary tracks based on selected statements received from the remote computing device. The server generates a set of business and personal value statements associated with the preliminary tracks. The server determines a final track based on a priority ranking for at least one of the business and personal value statements. The server generates a succession action plan corresponding to the final track.

Abstract: Methods and systems for providing validating financial services data is provided. The financial services data is translated into a normalized format. The normalized financial services data is validated with one or more validations modules, and an alert is transmitted if any of the validations fail.

Abstract: Computer-implemented techniques for viewing a recorded presentation are described. The techniques include receiving by one or more computers a request from a user to view a recorded presentation, retrieving, by one or more computing systems, a segment of the recorded presentation that is comprised of plural segments and information specifying times of occurrences of trigger events associated with corresponding segments in the recorded presentation, retrieving by the one or more computers private information of the user relevant to a first segment of the recorded presentation based on a first trigger event, generating, by the one or more computing systems, a re-cast first segment of the recorded presentation, with the re-cast first segment including the private information of the user, and sending by the one or more computing systems, the re-cast segment to a computing device associated with the user.

Abstract: A system that includes a computer device and a user interface. The user interface is configured to enable a user to interact with a person using one of at least two of voice conversation, voice-video conversation, graphic text-based conversation, fax, and electronic mail. The interactions can include the following. Creating a rule to cause the computer device to automatically perform an action based on a request to converse with the user. Viewing an automatically generated listing of a set of persons, the listing comprising a name, presence information, and communication modes available for the user to communicate with the person from the set of persons. Selecting the person from the set of persons. Selecting a communication mode from the communication modes available to communicate with the person, and retrieving information about a person using an identifying characteristic of the person, where the identifying characteristic is selected by the user from a display. Communicating with the person.

Abstract: A computer-implemented method is provided for developing a model to estimate a probability of project success. The method includes maintaining a database of historical project management performance data including i) task information associated with at least one completed task and ii) member information associated with at least one team member. The method includes forming a predictive model based on the historical project management performance data. Forming a predictive model further includes formulating probability distributions to characterize one or more dependency relationships in the predictive model. Each probability distribution includes at least one probability determined based on the historical project management performance data.

Abstract: A method is provided for optimizing savings in financial accounts, including healthcare and retirement accounts for an employee and or participant. The method includes receiving information about the participant and financial accounts for which the participant is eligible to use and or using, and generating for the participant a savings hierarchy recommending the order and amounts to be contributed to the financial accounts from the participant's budgeted savings dollars. The method also includes determining generating the savings hierarchy for both full year and partial year activity by the participant. The method further includes transmitting the recommendations to the participant via data displayed as a graphical user interface with a graphical representation of the savings hierarchy to provide the participant with ease of understanding the recommendations for optimizing the budgeted savings dollars or selected contribution amount.

Abstract: A computing device having a software radio (e.g., a mobile device where the software radio is substantially defined in software) transmits first information related to a financial transaction over the first radio network to the financial institution, and transmits second information related to the financial transaction over the second radio network to the financial institution. A server of the financial institution receives the first information and the second information to carry out the financial transaction.

Abstract: Methods and apparatuses, including computer program products, are described for communication session transfer between a plurality of computing devices. A first computing device detects the presence of a second computing device in proximity to the first computing device, where the first computing device has established a first communication session with a remote computing device. The first computing device establishes a wireless connection to the second computing device. The first computing device receives, from the second computing device, information associated with the first communication session. The first computing device establishes a second communication session with the remote computing device using the received information, where the second communication session is established with the same state as the first communication session.