Abstract: A system and method for improving the delivery of information to a remote user by anticipating the information that might be requested, and populating a cache with that information such that it may be more quickly retrieved when the remote user requests it. The cache may be located on one of the institution's servers, or the user's computing device, on an intermediate server such as a server in the cloud, or on a combination of these servers or devices. The embodiments disclosed herein apply when an unexpected event occurs or is predicted such as a hurricane or other weather event; a financial event, or a personal event such as a car accident or a medical emergency.

Abstract: A system and method that allow an institution's customer's anticipated data to be stored in a cache in advance of a request for that data, using predictive models based upon analyses of each specific customer's historical patterns. For example, when a customer logs on to an institution's server, a machine learning application on that server may predict the type or category of data that the customer may intend to retrieve, based upon his or her previous patterns when logging on. Typical categories of data may include, for example, account balances, status of outstanding loans, credit card data, and insurance information. By populating the cache with such anticipated data, that data may be more quickly accessed by the customer.