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 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 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 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.

Abstract: A financial account is established using a mobile computing device. A digital image of an applicant's identification having text based components is captured. The digital image of the identification is processed to recognize at least a portion of the text based components. The portion of the text based components is used to complete an application for the financial account. The digital image of the identification is transmitted to a regulatory body. Verification of the identity of the applicant is received from the regulatory body. The financial account for the applicant is established.

Abstract: Methods and apparatuses, including computer program products, are described for providing an integrated suite of cloud-based, hosted, and internal applications. A server receives from a client device a request to access a portal comprising a plurality of cloud-based, hosted, and internal applications. The server determines an identity of the user, and one or more applications of the plurality of applications available for access by the user. The server establishes a link with one or more computing devices hosting the one or more available applications for providing functionality of the available applications. The server authenticates the user automatically for each of the available applications, and translates communications between the server and each of the applications based on a mapping configuration. The server integrates the established links into a user interface that provide access to each of the available applications, and provides the integrated user interface to the client device.

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 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 computer-implemented method is provided for optimizing scheduling and resource allocation for a workflow. The method includes receiving i) resource information representing resources available for allocation to the workflow and ii) one or more workflow constraints. The method determines one or more probable sequences for executing the workflow. Each probable sequence includes tasks usable to execute at least a portion of the workflow. Each task is assigned a probability of task execution. The method assigns a probability of sequence execution to each of the probable sequences based on the probability of task execution of the tasks forming the probable sequence. The method further determines an optimized scenario for scheduling the workflow based on the probable sequences. The optimized scenario can have an optimized probability of completion.

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 annuity is provided to an annuitant based on the performance of an investment. Assets of the investment are automatically reallocated over time and the annuity payment may change based on the performance of the automatically allocated assets. In some examples, the assets are automatically reallocated based on a demographic, which can include an age, a range of ages, and/or a gender.

Abstract: A computer-implemented method of directing data from a first computing device to a second computing device is provided. The second computing device opens communication with a server. The server provides a unique identifier to the second computing device, and the second computing device remains available to received data. The first computing device transmits a request for data to be displayed to the server. The server (or a third device) transmits the data to be displayed to the second computing device. Once the data is displayed and/or acknowledged, the second computing device ceases to display the data and disconnects from the server.

Abstract: Described are methods and systems, including computer program products, for registering, configuring, and invoking actionable alerts. For example, an alert action is determined based on an alert. The alert is sent to a device based on an alert logic and the alert action is sent to the device based on a device capability. A received communication is identified as a response from the first device based on the alert requesting performance of the alert action.

Abstract: Methods and apparatuses are described for determining a succession planning track for a registered investment advisor. A server generates a plurality of paired statement sets associated with business and personal goals, and each statement in the statement sets is associated with one or more succession planning tracks. The server receives a statement selection for each set of paired statements, determines one or more preliminary tracks, and generates a first set of business and personal value statements associated with the preliminary tracks. The server receives a priority ranking for at least two of the value statements and determines one or more intermediate tracks. The server generates a checklist with a second set of value statements associated with the intermediate tracks. The server receives a set of responses to the second set of value statements, determines a final track, and generates a succession action plan corresponding to the final track.

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: Described are computer-based methods and apparatuses, including computer program products, for managing insurance plans. Multiple bids are received from multiple reinsurance companies for the price of a unit of an insurance product (e.g., a fixed annuity paying ten dollars a month starting at the age of sixty five). The unit of the insurance product is associated with a set of one or more risk factors (e.g., age, range of ages). A bid is selected from the bids based on a relationship between the bids (e.g., lowest bid, lowest weighted bid). The selected bid is associated with a selected reinsurance company. Units of the insurance product associated with the selected bid are offered to participants associated with the set of one or more risk factors.

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.