Abstract: A asset planning and tracking system plans and tracks progress towards a savings goal and analyzes the consumption of assets that are being used to satisfy the savings goal. The system may further be configured to analyze a user's periodic (e.g., monthly, quarterly, yearly) transactions and provide suggested transactions if the user has excess income for the period. An asset planning and tracking system may be implemented in the context of a retirement planning system to aid a non-retired user in planning for his or her retirement and to aid a retired user in tracking the consumption of retirement assets.

Abstract: A asset planning and tracking system plans and tracks progress towards a savings goal and analyzes the consumption of assets that are being used to satisfy the savings goal. The system may further be configured to analyze a user's periodic (e.g., monthly, quarterly, yearly) transactions and provide suggested transactions if the user has excess income for the period. An asset planning and tracking system may be implemented in the context of a retirement planning system to aid a non-retired user in planning for his or her retirement and to aid a retired user in tracking the consumption of retirement assets.

Abstract: A computer-implemented method comprising: receiving, from a device used by a user, a request to access a resource hosted by a computer system; identifying, by the computer system, a level of risk associated with the user requesting access to the resource; adjusting, by the computer system an authentication standard for access to the resource, adjusting based on the identified level of risk; determining values for authentication factors used in authenticating the user's access to the resource; applying weights to the values for the authentication factors; and determining, based on a comparison of the weighted values to the adjusted authentication standard, whether the user is authorized to access the resource.

Abstract: A asset planning and tracking system plans and tracks progress towards a savings goal and analyzes the consumption of assets that are being used to satisfy the savings goal. The system may further be configured to analyze a user's periodic (e.g., monthly, quarterly, yearly) transactions and provide suggested transactions if the user has excess income for the period. An asset planning and tracking system may be implemented in the context of a retirement planning system to aid a non-retired user in planning for his or her retirement and to aid a retired user in tracking the consumption of retirement assets.

Abstract: A system and method for interacting with an interactive communication system include processing a profile associated with an interactive communication system; generating a user interface based on the processing of the profile to solicit a user response correlating to a response required by the interactive communication system; receiving the user response via the user interface; updating the user interface using the profile based on the user response; and sending a signal to the interactive communication system based on one or more user responses.

Abstract: A computer-implemented method is described for detecting a change in one or more attributes associated with a consumer of financial services, and generating, based at least in part on the detected change, a prediction that the consumer of financial services is likely to initiate an action with regard to one or more financial accounts associated with the consumer.

Abstract: An interactive online website enabling users to order products or services. The website dynamically provides a prepopulated order sheet displaying at least some sales history of products or services previously purchased by a website user. The order sheet may be organized to display a plurality of categories showing at least some of the products or services purchased by the consumer during a predetermined past period. The website may be configured to permit the user to browse the prepopulated order sheet and to enter order quantities for selected products or services.

Abstract: A first party is provided with access to an account of a second party by inputting identification information for the account of the second party, and receiving account information for the account of the second party based on the identification information. The account of the second party is accessed based on the account information.

Abstract: A system and method for interacting with an interactive communication system include processing a profile associated with an interactive communication system; generating a user interface based on the processing of the profile to solicit a user response correlating to a response required by the interactive communication system; receiving the user response via the user interface; updating the user interface using the profile based on the user response; and sending a signal to the interactive communication system based on one or more user responses.

Abstract: An interaction system is described, which can reside on a cellular phone, a personal data assistant (PDA), a laptop computer, or any general purpose computing device. The interaction system provides a greatly simplified user interface for communication with interactive service systems. The interaction system builds the user interface by interpreting an associated profile that enables a user to access the interactive service system. The entire menu system of the interactive service system is presented to the user in a simple and easy to navigate set of menus, user input prompts and audible outputs of requested user information and confirmations. The interaction system saves time and minimizes user entry errors. The system leverages existing interactive service systems while taking full advantage of computing device features.

Abstract: The present invention is generally directed to systems and methods for detecting unauthorized or fraudulent use of stored-value instruments. A stored-value instrument can be any instrument (tangible or intangible) that may be associated with a debit account and/or may otherwise be presented for payment for goods and/or services, used to transfer money, etc. The systems and methods of the invention generally involve processing request activity through a predetermined rule set to ascertain whether the activity is potentially unauthorized or fraudulent. The systems and methods of the invention allow for real-time monitoring of request activity for potentially unauthorized or fraudulent use of stored-value instruments.

Abstract: The description herein describes generating an alert signal for use with digital video recorders. In a described implementation, a method for generating an alert includes receiving a first information from a services provider and generating an alert signal. In the implementation, the first information is associated with a customer and is unrelated to television programming. Also in the implementation, the alert signal is generated on a digital video recorder associated with the customer, the alert being based on the first information.

Abstract: Techniques by a first entity that include determining, by a first entity and using the data associated with the user, a list of one or more entities that provide network-accessible accounts, enabling the user to select a second entity from the list of one or more entities, and enabling the user to provide access information for a network-accessible account that is provided by the second entity.

Abstract: The present invention is generally directed to systems and methods for detecting unauthorized or fraudulent use of stored-value instruments. A stored-value instrument can be any instrument (tangible or intangible) that may be associated with a debit account and/or may otherwise be presented for payment for goods and/or services, used to transfer money, etc. The systems and methods of the invention generally involve processing request activity through a predetermined rule set to ascertain whether the activity is potentially unauthorized or fraudulent. The systems and methods of the invention allow for real-time monitoring of request activity for potentially unauthorized or fraudulent use of stored-value instruments.

Abstract: Described are methods and systems, including computer program products, for broadcasting user-specific information through satellite radio or digital radio. Generally, information specific to a user is correlated with an identifier associated with a receiver associated with the user, and the information is broadcast to the receiver, such that use of the information is restricted to the receiver.

Abstract: A asset planning and tracking system plans and tracks progress towards a savings goal and analyzes the consumption of assets that are being used to satisfy the savings goal. The system may further be configured to analyze a user's periodic (e.g., monthly, quarterly, yearly) transactions and provide suggested transactions if the user has excess income for the period. An asset planning and tracking system may be implemented in the context of a retirement planning system to aid a non-retired user in planning for his or her retirement and to aid a retired user in tracking the consumption of retirement assets.

Abstract: A method for providing combiner channel assignments, with the soft symbols of corresponding demodulated information channels, is presented. The grouping of combiner channel assignments with the soft symbols permits any information channel to be associated with any finger channel without additional communications being required between a controller and the combiner. Once the demodulating finger is programmed with a combiner channel assignment for each finger channel, the assignment of finger channel outputs to combiner channels is regulated in the flow of communications between the combiner and the demodulating finger. A system for assigning combiner channels with the soft symbol outputs of a demodulating finger is also provided.

Abstract: Techniques by a first entity that include determining, by a first entity and using the data associated with the user, a list of one or more entities that provide network-accessible accounts, enabling the user to select a second entity from the list of one or more entities, and enabling the user to provide access information for a network-accessible account that is provided by the second entity.

Abstract: A method to expediently perform search/correlation operation between an internal pilot pseudonoise (PN) sequence and an incoming pilot PN sequence. This operation is used to acquire base stations in a Code Division Multiple Access (CDMA) system. In one embodiment, the present invention recites a method comprising several steps. First, a plurality of PN sequence values are provided internally and an input signal sample is received. The input signal sample is correlated, in parallel, with the plurality of PN sequence values. The correlation operation is performed at a rate equivalent to the input sample rate times the number of PN sequence values being correlated in parallel, assuming a resolution of one. The resultant products are respectively summed and stored in a plurality of accumulators.