Abstract: Disclosed are methods, systems, and devices for identifying anomalous and/or problematic payments based on past payment patterns of a user, past experiences with the user, and the user's circumstances, and implementing intervention mechanisms for proactively resolving account issues before downstream impacts, such as collections calls, inbound calls, and complaints. Anomalous payments may be detected using clustering and prediction. Interventions may include phone calls, emails, notifications, etc. An alert or notification may be sent to the user's mobile application, and various selectable response options suited to the situation may be presented to the user.

Abstract: A method and system for providing personalized message delivery to one or more individual users of at least one team of users is disclosed. In accordance with the method and system, data specific to one or more individual users of at least one team of users is gathered, analyzed and used to determine preferences and order of precedence of the one or more individual users of the at least one team of users; and personalized message delivery is provided to the one or more individual users of the at least one team of users based upon the one or more individual users of the at least one team of users' preferences and order of precedence.

Abstract: A method and system for providing personalized message delivery to one or more users is disclosed. In accordance with the method and system, data descriptive of two or more events in the one or more users' lives is gathered, analyzed and used to determine priority of messages; and personalized message delivery is provided to the one or more users based upon the priority of messages. The method and system may employ user's emotions to correlate holistic messages considered important by the user.

Abstract: A method and system for providing personalized message delivery to one or more users is disclosed. In accordance with the method and system, data descriptive of two or more events in the one or more users' lives is gathered, analyzed and used to determine priority of messages; and personalized message delivery is provided to the one or more users based upon the priority of messages. The method and system may employ the two or more events to correlate [holistic messages] considered important by the user. The method and system may also employ third party influences when generating the messages.

Abstract: A method and system for providing personalized message delivery to one or more users is disclosed. In accordance with the method and system, data descriptive of two or more events in the one or more users' lives is gathered, analyzed and used to determine priority of messages; and personalized message delivery is provided to the one or more users based upon the priority of messages. The method and system may employ a predetermined objective associated with the one or more users to identify events and correlate holistic messages considered important by the user.

Abstract: A method and system for providing personalized message delivery to a user is disclosed. In accordance with the method and system, data specific to a user is gathered, analyzed and used to determine preferences and order of precedence of the user; and personalized message delivery is provided based upon the user's preferences and order of precedence.

Abstract: A method and system for providing personalized message delivery to one or more individual users of at least one team of users is disclosed. In accordance with the method and system, data specific to one or more individual users of at least one team of users is gathered, analyzed and used to determine preferences and order of precedence of the one or more individual users of the at least one team of users; and personalized message delivery is provided to the one or more individual users of the at least one team of users based upon the one or more individual users of the at least one team of users' preferences and order of precedence.