Abstract: A system and/or method may be provided to authenticate a user based on the user's location history. In particular, the user's past locations and movements may be detected at the user's mobile device. Information with regard to the user's movements and location may be collected and analyzed to determine certain routines, such as locations frequently visited or routes frequently taken. When a payment request is made from the user's mobile device, the mobile device's recent location history may be compared with the routines of the user. A confidence score may be generated based on the user's recent location history. The confidence score may be used to authenticate the user for the payment request. In an embodiment, the confidence score may be used to determine the transaction fee for using a certain funding source, such as a credit card.

Abstract: Providing integrated multi-session instant messaging in a single instant messaging window. A user interface has an instant messaging window for displaying a plurality of conversation panes representative of concurrent instant messaging sessions between a local user and a plurality of remote users. Each conversation pane represents one of the messaging sessions. A plurality of message components correspond to the conversations panes so that each message component corresponds to one conversation pane. Each message component is arranged in the corresponding conversation pane and displays text from an instant message. The conversation display area displays at least two of the conversation panes linearly along the height of the window so that the message components arranged in the at least two conversation panes are simultaneously viewable.

Abstract: Providing integrated multi-session instant messaging in a single instant messaging window. A user interface has an instant messaging window for displaying a plurality of conversation panes representative of concurrent instant messaging sessions between a local user and a plurality of remote users. Each conversation pane represents one of the messaging sessions. A plurality of message components correspond to the conversations panes so that each message component corresponds to one conversation pane. Each message component is arranged in the corresponding conversation pane and displays text from an instant message. The conversation display area displays at least two of the conversation panes linearly along the height of the window so that the message components arranged in the at least two conversation panes are simultaneously viewable.

Abstract: A web-browser plug-in is described herein that detects the type of content a user selects on a web page and allows the user to retrieve additional information about selected web content or initiate a communication application. The plug-in analyzes the user's selection to determine what type of web content was selected. A smart menu is created and presented to the user with options relating to the type of web content selected. The user can then either download additional information about the web content or initiate a communication application without having to navigate to another web page or request information from a web service. Without having to navigate to a second web page, the user can select an option and either view the additional web information or initiate the communication application.