Abstract: Systems, apparatuses and methods are disclosed for creating and managing sub-panels. Device data may be received in the system from each of a plurality of user devices, wherein the device data includes device usage data, device configuration data, demographic data and the like. Data collection rules are created or loaded into a central processing apparatus, where the device data is processed in the central processing apparatus to determine if device data related to one or more user devices complies to the data collection rules. Sub-panels may be defined in accordance with the processing, wherein the sub-panel may include one or more devices determined to be compliant with the data collection rules.

Abstract: A mobile terminal for providing life observations by monitoring data being transmitted to/from the terminal. A mobile terminal proxy works in conjunction with a data collection engine and platform connection settings to detect at least on data object type and forward information relating to the data type to the data collection engine. Various observation logic and triggering rules may be implemented for the data collection. A server arrangement may further utilize context and behavior modeling using observations from plural mobile terminals and guiding the mobile terminals for future observations.