Abstract: A method of obtaining psychometric information about a user is disclosed. A psychometric graphical object is provided to the user by a personalized user management module. User interaction with the psychometric graphical object is measured by a psychological traits evaluation module. At least a first wider portion of the psychometric graphical object is labeled with a first keyword related to a psychological trait. At least a second wider portion of the psychometric graphical object is labeled with a second keyword related to the psychological trait.

Abstract: Systems, methods, and software are disclosed herein. A method comprises a computing apparatus displaying, in an application environment, a canvas on which to organize a collection of items on the canvas that are related to a project. The method includes the computing apparatus displaying a new item on the canvas comprising a goal associated with the project and having attributes associated with one or more items native to one or more other application environments. The method also includes the computing apparatus sending one or more requests to express, in the one or more other application environments, an association of the one or more items with the goal.

Abstract: A method of obtaining psychometric information about a user is disclosed. A psychometric graphical object is provided to the user by a personalized user management module. User interaction with the psychometric graphical object is measured by a psychological traits evaluation module. At least a first wider portion of the psychometric graphical object is labeled with a first keyword related to a psychological trait. At least a second wider portion of the psychometric graphical object is labeled with a second keyword related to the psychological trait.

Abstract: A method of obtaining psychometric information about a user is disclosed. A psychometric graphical object is provided to the user by a personalized user management module. User interaction with the psychometric graphical object is measured by a psychological traits evaluation module. At least a first wider portion of the psychometric graphical object is labeled with a first keyword related to a psychological trait. At least a second wider portion of the psychometric graphical object is labeled with a second keyword related to the psychological trait.

Abstract: A method of obtaining psychometric information about a user is disclosed. A psychometric graphical object is provided to the user by a personalized user management module. User interaction with the psychometric graphical object is measured by a psychological traits evaluation module. At least a first wider portion of the psychometric graphical object is labeled with a first keyword related to a psychological trait. At least a second wider portion of the psychometric graphical object is labeled with a second keyword related to the psychological trait.

Abstract: Systems and methods are disclosed for analyzing and predicting spending behaviors of consumers. A financial service system configures a financial service account for a user associated with a merchant. The financial service system, after receiving notification of purchase transactions made by the user with the account, may collect information relating to the transactions. The financial service system may determine other merchants that “co-occur” with the first merchant—in other words, where else are the first merchant's customers shopping and who are their true competitors? The financial service system may then compile this data and provide it to the merchant, who may modify their business practices based on the information.

Abstract: A system and method is provided for redeeming coupons to credit a customer's financial service account without sharing the customer's restricted information with merchants. The system and method may include a financial service provider receiving merchant transaction information from a merchant that reflects sale transactions associated with the merchant over a period of time. The financial service provider may compare the merchant transaction information with financial service accounts transaction information associated with financial service accounts provided by the financial service provider. Additionally, the financial service provider may identify a common transaction between the merchant transactions and the financial service accounts transactions based on one or more unique identifiers, determine the common transaction meets a predetermined credit requirement, and identify a customer's financial service account corresponding to the common transaction.

Abstract: Systems and methods are provided for measuring advertising value based on consumer purchases. A financial service provider creates a baseline purchase rating for sales of a product based on consumer purchases over a first time period. The financial service provider receives advertisement information comprising a frequency of advertisements and a price of advertisements for the product over a second time period. The financial service provider additionally receives consumer purchase transaction information comprising a number of purchases for the product associated with the second time period. An advertisement purchase rating is determined based on the advertisement information and consumer purchase transaction information. The financial service provider may compare the advertisement purchase rating to the baseline purchase rating, and provide a report to participating merchants or to the marketplace at large examining the value of the advertisements based on the comparison.

Abstract: Systems and methods are disclosed for determining the financial characteristics of socio-graphic segments of social media users. A financial service system links a customer's social network profile to a financial service account associated with the customer. The financial service system may receive information relating to the social network profile, and identify one or more characteristics of the customer based on the information. The financial service system may proceed to associate the customer with one or more socio-graphic groups, or “clusters,” comprising customers sharing the same characteristic. The financial service system may then generate a spending model associated with the clusters, and provide it to advertisers for purposes of generating more useful, targeted advertising and incentives to the customers.

Abstract: Systems and methods are disclosed for analyzing and predicting spending behaviors of consumers. A financial service system configures a financial service account for a user associated with a merchant. The financial service system, after receiving notification of purchase transactions made by the user with the account, may collect information relating to the transactions. The financial service system may determine other merchants that “co-occur” with the first merchant—in other words, where else are the first merchant's customers shopping and who are their true competitors? The financial service system may then compile this data and provide it to the merchant, who may modify their business practices based on the information.

Abstract: A system and method is provided for redeeming coupons to credit a customer's financial service account without sharing the customer's restricted information with merchants. The system and method may include a financial service provider receiving merchant transaction information from a merchant that reflects sale transactions associated with the merchant over a period of time. The financial service provider may compare the merchant transaction information with financial service accounts transaction information associated with financial service accounts provided by the financial service provider. Additionally, the financial service provider may identify a common transaction between the merchant transactions and the financial service accounts transactions based on one or more unique identifiers, determine the common transaction meets a predetermined credit requirement, and identify a customer's financial service account corresponding to the common transaction.