Abstract: According to some embodiments, a deposit system for allocating deposited funds among a plurality of account categories held for an account beneficiary comprises a management module, a contributor module, and an achievement manager. The management module is operable to associate each account category of the plurality of account categories associated with a particular purpose, each purpose restricting use of funds in its associated account category. The contributor module is operable to receive a confirmation to deposit funds in at least one of the account categories upon accomplishment of an achievement by the account beneficiary. The achievement manager is operable to receive notification of the accomplishment of the achievement and instruct the contributor module to transfer the confirmed funds to the at least one of the account categories.

Abstract: According to some embodiments, a deposit system for allocating deposited funds among a plurality of account categories held for an account beneficiary comprises a management module, a contributor module, and an allocation module. The management module is operable to associate each account category of the plurality of account categories with a particular purpose, each purpose restricting use of funds in its associated account category. The contributor module is operable to receive, from a contributor, a deposit of funds, the deposit comprising a first set of funds associated by the contributor with a first purpose and a second set of funds associated by the contributor with a second purpose. The allocation module operable to deposit the first set of funds into the account category associated with the first purpose and deposit the second set of funds into the account category associated with the second purpose.

Abstract: According to some embodiments, a deposit system for receiving funds into an account held for an account beneficiary, the account being identifiable by an account number, comprises a management module, a contributor module, and an allocation module. The management module is operable to register a plurality of contributors. The contributor module is operable to receive information identifying a first contributor, determine whether the first contributor is one of the plurality of registered contributors, and if the first contributor is a registered contributor, receive, from the first contributor, a deposit of funds, the deposit comprising a first set of funds associated by the first contributor for deposit into the account without identifying the account by the account number. The allocation module operable to deposit the first set of funds into the account without informing the first contributor of the account number.

Abstract: According to some embodiments, a deposit system for receiving funds into an account held for an account beneficiary comprises a spending tracker, a reimbursement module, a contributor module, and an allocation module. The spending tracker is operable to determine an amount of a withdrawal from the account. The reimbursement module is operable to request an amount of funds from a contributor, the amount of the request associated with the amount of the withdrawal. The contributor module operable to receive the funds from the contributor. The allocation module operable to deposit the funds into the account held for the account beneficiary.

Abstract: Financial activities may be performed in a social networking environment. To perform the financial activities, a first message is received to create a first financial goal associated with a user. The first message comprises the first financial goal and a reward for achieving the first financial goal. The first financial goal is available for display in a social networking environment associated with the user. A processor creates the first financial goal associated with the user and stores the first financial goal. The status of the first financial goal is monitored. Information associated with the first financial goal is received from a data source, and the processor updates the status of the first financial goal according to the received information.

Abstract: The disclosure generally relates to knowledge retrieval using a knowledgebase storing general and/or expert knowledge. In particular, the disclosure relates to using complex retrieval techniques to implement an enhanced troubleshooting system that provides relevant information. Aspects of the disclosure retrieve relevant documents to assist in troubleshooting by reasoning with stored representations about the faulty system and its operating environment. After receiving a description of the symptoms and/or other information related to the problem, the system may recommend textual and/or non-textual documents with relevant information for identifying the cause of the problem and restoring operation.

Abstract: A system and method of automatically setting up bill-pay transactions between a customer of a financial institution and a bill-pay client is presented. The system and method may include identifying, by a bill-pay system associated with the financial institution, one or more customers eligible for automatic bill-pay set up and one or more bill-pay clients. Upon acceptance of an offer to the customer to automatically setup bill-pay, bill-pay transaction data may be received at a bill-pay system and may be used to set up one or more bill-pay transactions between the customer and the bill-pay client.

Abstract: An organization may identify target groups of consumers based on credit data meeting one or more pre-defined criteria and offer the identified individuals products and/or services that include favorable rates, benefits and/or incentives related to activities regularly engaged in by the individuals. Credit data may be mined from, for example, a credit bureau to identify individuals with credit scores in various percentiles as compared to all other consumers in a particular market or geographic region. Various types of transaction data associated with these individuals may then be obtained and analyzed to determine activities (e.g., tasks, chores, errands, activities, etc.) repeatedly engaged in by at least some percentage of the identified individuals, which may then be used as bases for offering certain products and/or services that include incentives or benefits more-specifically tailored to potential interests.

Abstract: A method of transactional savings is described. First and second portions of a total amount associated with a transaction may be identified. The first portion and the second portion may be different monetary funds of the total amount of monetary funds. A first account of a customer associated with an entity may be determined, and an amount of debt of monetary funds of the first account may be determined. The first portion of the total amount of monetary funds may be applied against the amount of debt of the first account, and the second portion may be maintained in a second account of the customer. Occurrence data representative of an occurrence of a triggering event associated with a transactional savings program of the entity may be received, and an amount of the second account to permit access to by the customer may be determined based upon the occurrence data.

Abstract: A system and method of automatically identifying bill-pay clients eligible for an electronic bill-pay transaction with a customer of a financial institution is presented. The system and method may include identifying, by a bill-pay identification system associated with the financial institution, one or more customers eligible for electronic bill-pay and data associated with the one or more customers, such as a location of the customer, demographic information, home address of the customer, and the like. One or more bill-pay clients may be automatically identified based on bill-pay client being within a predefined distance of the location or address of the customer, a bill-pay relationship with another customer of the financial institution within the predefined distance, received demographic information, etc. In some arrangements, automatic setup of bill-pay transactions between the customer and the identified bill-pay client may be offered to the customer.

Abstract: The disclosure generally relates to knowledge retrieval using a knowledgebase storing general and/or expert knowledge. In particular, the disclosure relates to using complex retrieval techniques to implement an enhanced troubleshooting system that provides relevant information. Aspects of the disclosure retrieve relevant documents to assist in troubleshooting by reasoning with stored representations about the faulty system and its operating environment. After receiving a description of the symptoms and/or other information related to the problem, the system may recommend textual and/or non-textual documents with relevant information for identifying the cause of the problem and restoring operation.

Abstract: Apparatus and methods for supporting a budgeting process are provided. A method according to the invention may include operating an electronic information processing platform to receive an electronic confirmation of one of a purchase, a savings transaction, and an investment transaction. The method may further include performing a reevaluation of a future savings goal in response to the confirmation. The method may also include performing one of the following in response to the reevaluation: 1) presenting an alternative to the future savings goal and 2) auto-executing a process. The auto-executing may be based on pre-determined rules.

Abstract: Systems and methods for providing a consumption network are provided. A method according to the invention may include receiving purchase information on a mobile device and recording the purchasing information. The information may be transmitted to a central database. At the central database, the information may be recorded and transmitted from the central database to a pre-determined group of users. Alternatively, the information may be transmitted to a group of users directly from the mobile phone associated with the purchasing.