Abstract: In one aspect, a computerized method for automated personalized savings comprising: enabling a consumer to identify a source checking account for income deposits and an amount to save; linking the source checking account as a source of funds; determining an amount the customer is able save based on a balance forecast model predictions model; determining the amount the customer is able to save meets a customers request; and delivering an instructions to a bank to transfer a designated amount to a destination savings account.

Abstract: A system and method for data gathering system, comprising a data-aware knowledge base storing knowledge on relative costs of obtaining various data items; and a data retrieval decision-making processor operative, when an individual data element is sought to be retrieved, to determine whether or not to retrieve the data element by comparing at least one parameter representing need for the data element, also termed herein a utility value, with at least one parameter, retrieved from the data-aware knowledge base, which represents relative cost of obtaining the data element.

Abstract: Apparatus for conducting a dialog with a user of at least one computerized enterprise system, the apparatus comprising an ontological topic definer using at least one ontological entity to define user dialog topics, each topic including an item, a block identifying executable computer code operative to resolve the item; and at least one input parameter passed to the block; and a dialog server operative for conducting a dialog with a user of at least one computerized enterprise system about an individual topic from among said user dialog topics.

Abstract: A system and method for assigning relative scores to various possible intents on the part of a user approaching a virtual agent, the method comprising predicting priority topics, including gathering first data and employing the first data to discern and seek user confirmation of at least one possible intent on the part of the user; and subsequent to receipt of the confirmation, gathering second data and employing the second data to provide service to the user to suit the user's confirmed intent.

Abstract: Apparatus for conducting a dialog with a user of at least one computerized enterprise system, the apparatus comprising an ontological topic definer using at least one ontological entity to define user dialog topics, each topic including an item, a block identifying executable computer code operative to resolve the item; and at least one input parameter passed to the block; and a dialog server operative for conducting a dialog with a user of at least one computerized enterprise system about an individual topic from among said user dialog topics.

Abstract: A system and method for data gathering system, comprising a data-aware knowledge base storing knowledge on relative costs of obtaining various data items; and a data retrieval decision-making processor operative, when an individual data element is sought to be retrieved, to determine whether or not to retrieve the data element by comparing at least one parameter representing need for the data element, also termed herein a utility value, with at least one parameter, retrieved from the data-aware knowledge base, which represents relative cost of obtaining the data element.

Abstract: A system and method for assigning relative scores to various possible intents on the part of a user approaching a virtual agent, the method comprising predicting priority topics, including gathering first data and employing the first data to discern and seek user confirmation of at least one possible intent on the part of the user; and subsequent to receipt of the confirmation, gathering second data and employing the second data to provide service to the user to suit the user's confirmed intent.

Abstract: A system and method for collecting, filtering, analyzing, distributing and effectively utilizing highly relevant events (such as key business events) in real time, from huge quantities of data. The present invention analyzes both historic and real-time data stemming from operational activity, by interfacing with internal data repositories (such as Enterprise Resource Planning (ERP) and Customer Relationship Management (CRM)), external data sources (such as suppliers and clients), and real time operational systems in order to create an Active Intelligence Platform. This Active Intelligence Platform is positioned as a layer between the organization's data sources and its applications, monitoring inputs and relaying only the important data items to the relevant individuals and/or systems. This allows individuals and systems to respond immediately and effectively to key events.

Abstract: A system and method for collecting, filtering, analyzing, distributing and effectively utilizing highly relevant events (such as key business events) in real time, from huge quantities of data. The present invention analyzes both historic and real-time data stemming from operational activity, by interfacing with internal data repositories (such as Enterprise Resource Planning (ERP) and Customer Relationship Management (CRM)), external data sources (such as suppliers and clients), and real time operational systems in order to create an Active Intelligence Platform. This Active Intelligence Platform is positioned as a layer between the organization's data sources and its applications, monitoring inputs and relaying only the important data items to the relevant individuals and/or systems. This allows individuals and systems to respond immediately and effectively to key events.