Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for an adaptive financial system. One of the methods includes receiving, from a user, a selected lifestyle archetype of a user, wherein the selected lifestyle archetype identifies a predetermined allocation of income and spending. The method includes monitoring financial activities of the user. The method also includes providing feedback to the user based on the monitoring and the selected lifestyle archetype.

Abstract: A user may access an institution system via more than one communications channel, either by the same device (e.g., a mobile device accessing the institution system via a voice channel and a data channel) or by different devices (e.g., a personal computer via a web channel and a phone via a voice channel). If a user is not currently authenticated to a communications channel and attempts to access the institution system via a communications channel, the user may be authenticated using strong authentication. If the user is currently authenticated to the institution system via a communications channel and would like to engage a second communications channel to access the institution system, the user may authenticate to the second communications channel using both communications channels and weak authentication, such as single factor authentication or a challenge question.

Abstract: Unmanned vehicles can be terrestrial, aerial, nautical, or multi-mode. Unmanned vehicles may be used to survey a property in response to or in anticipation of damage to the property. For example, an unmanned vehicle may analyze information about the property and based on the information mitigate damage to the property.

Abstract: Unmanned vehicles can be terrestrial, aerial, nautical, or multi-mode. Unmanned vehicles may be used to survey a property in response to or in anticipation of damage to an object. Methods, systems, and devices may be used to determine damage information associated with structures (objects) in aerial images obtained by an unmanned vehicle, or other source. The damage information may include intensity of damage of a structure in an image.

Abstract: Unmanned vehicles can be terrestrial, aerial, nautical, or multi-mode. Unmanned vehicles may be used to survey a property in response to or in anticipation of damage to an object. For example, an unmanned vehicle may project a laser pattern and use information associated with the laser pattern to determine characteristics of the object.

Abstract: This disclosure relates to gathering, storing, analyzing and distributing data acquired by unmanned vehicles after catastrophes. The vehicles can be terrestrial, aerial, nautical, or multi-mode. The gathering phase of the process may being by receiving requests from the interested consumers as to the type of information desired, and this information is used to determine and/or configure the mission. The storage phase may include pre-processing data during the mission, and optionally storing the data in a cloud network. The analysis phase may be performed vehicle-side, server-side, or a combination thereof.

Abstract: Methods and systems for providing protection to an individual or party from penalties associated with late or missed payments of bills, invoices and other charges are described. The methods and systems can warn a user of possible penalties and take correction action to avoid incurring the penalty. In an example, a computerized method, and system for performing the method can include receiving data about a plurality of payments to be paid by at least one party, the data includes at least one penalty associated with at least one of the payments, ranking the payments based at least partially upon the penalty and determining an order for the payments to be paid.

Abstract: An applet may be downloaded or provided to a web browser when a user visits a site in order to protect data input by the user from being captured by malicious software, such as key loggers. The applet may present a user input field in the web browser and may generate a random sequence of low-level key stroke or mouse click events within the input field when the user enters information, such as a username and/or password. A listening key logger will receive a large amount of random data, whereas the applet will receive and buffer the actual user data that may be communicated to a remote site access by the user.

Abstract: A user may access an Institution system via more than one communications channel, either by the same device (e.g., a mobile device accessing the Institution system via a voice channel and a data channel) or by different devices (e.g., a personal computer via a web channel and a phone via a voice channel). If a user is not currently authenticated to a communications channel and attempts to access the Institution system via a communications channel, the user may be authenticated using strong authentication. If the user is currently authenticated to the Institution system via a communications channel and would like to engage a second communications channel to access the Institution system, the user may authenticate to the second communications channel using both communications channels and weak authentication, such as single factor authentication or a challenge question.

Abstract: A user may access an institution system via more than one communications channel, either by the same device (e.g., a mobile device accessing the institution system via a voice channel and a data channel) or by different devices (e.g., a personal computer via a web channel and a phone via a voice channel). If a user is not currently authenticated to a communications channel and attempts to access the institution system via a communications channel, the user may be authenticated using strong authentication. If the user is currently authenticated to the institution system via a communications channel and would like to engage a second communications channel to access the institution system, the user may authenticate to the second communications channel using both communications channels and weak authentication, such as single factor authentication or a challenge question.

Abstract: The present disclosure provides a relatively automated system and method for a customer to change to a new service provider of a financial product, such as banking services. In general, the customer may provide initial data to a new second provider that the second provider may use to automatically and electronically access data about the customer from a prior first provider data source, such as an electronic database of the first provider. The customer data may include a customer credential provided to the second provider to retrieve automated financial transactions from the first provider's Web site on behalf of and with support of the customer. Automated financial transactions include direct deposits, automatic withdrawals, and online payment of bills. The second provider may use the data to at least partially recreate the automated financial transactions for the customer in an account with the second provider.

Abstract: An applet may be downloaded or provided to a web browser when a user visits a site in order to protect data input by the user from being captured by malicious software, such as key loggers. The applet may present a user input field in the web browser and may generate a random sequence of low-level key stroke or mouse click events within the input field when the user enters information, such as a username and/or password. A listening key logger will receive a large amount of random data, whereas the applet will receive and buffer the actual user data that may be communicated to a remote site access by the user.

Abstract: Interaction with a web site may be driven by a script. The script may be generated through automated analysis of a web site. A web site may be analyzed by evaluating labels associated with data entry fields, links, and/or other elements of the pages that make up the web site. Moreover, a web site may be analyzed by co-browsing the web site along with a human, and observing the actions that a human takes to operate the web site. The scripts that are generated may be used to perform a transaction at a web site on behalf of a principal, to gather information from a web site, or to perform any other type of action.

Abstract: Account shadowing is provided such that when a charge is made on a first credit card (e.g., a high interest rate credit card) of a user, a transfer of funds is made from a second credit card (e.g., a low interest rate credit card) of the user to pay the charge made to the first credit card. This may transfer the balance from a user's high interest rate credit card to a user's low interest rate credit card. In this manner, the user may receive the reward incentives of a high interest rate credit card while using a low interest rate credit card to satisfy balances due.

Abstract: A content handler application that may be provided on a mobile device to provide extensions to a web based application. The content handler may provide the web application access features such as the camera, GPS, A/V input and output, file system and secure uploads. The content handler may be a certified application for use on the mobile device and calls applications to access the features of the mobile device. The web applications may be updated without concern for the content handler. Because the user experience and business logic are contained in the web application they are unaffected by the certification and multi-platform issues as this is limited to only the content handler.

Abstract: Methods and systems for providing protection to an individual or party from penalties associated with late or missed payments of bills, invoices and other charges are described. The methods and systems can warn a user of possible penalties and take correction action to avoid incurring the penalty. In an example, a computerized method, and system for performing the method can include receiving data about a plurality of payments to be paid by at least one party, the data includes at least one penalty associated with at least one of the payments, ranking the payments based at least partially upon the penalty and determining an order for the payments to be paid. In an example, a computerized method, and system for performing the method can include receiving data about a plurality of bills for at least one user, determining at least one action to prevent incurring a penalty for at least one of the bills and allowing the user to select the action.

Abstract: Account shadowing is provided such that when a charge is made on a first credit card (e.g., a high interest rate credit card) of a user, a transfer of funds is made from a second credit card (e.g., a low interest rate credit card) of the user to pay the charge made to the first credit card. This may transfer the balance from a user's high interest rate credit card to a user's low interest rate credit card. In this manner, the user may receive the reward incentives of a high interest rate credit card while using a low interest rate credit card to satisfy balances due.

Abstract: A method of transferring a financial account from an existing financial institution to a new financial institution includes receiving a customer request for financial account transfer, determining information regarding the existing financial institution using information stored at the new financial institution, receiving, via an aggregation tool, information regarding the financial account, determining financial obligations associated with the financial account using the received information, and populating a database of the new financial institution to reflect the determined financial obligations.

Abstract: Control apparatus (1) for selectively applying a mains AC electrical supply (3) to an electrical appliance (4) in response to a remote signal received via a cellular telecommunications network comprises a housing (8) within which an electrical socket (14) for providing power to the appliance (4) is integrally formed. An electrical plug top (10) on a cable (12) extending from the housing (8) is provided for coupling to the mains supply (3). A switch circuit (15) under the control of a microcontroller (19) controls the mains supply (3) to the electrical socket (14). A communications circuit (20) which is adapted for communicating with a cellular telecommunications network receives SMS control messages, and the microcontroller (19) is responsive to the SMS control messages for in turn operating the switch circuit (15) to selectively switch the mains supply (3) to the appliance (4). A power supply circuit (28) independent of the mains supply (3) powers the control apparatus (1).

Abstract: The athletic face shield consists of a head frame that contours to a player's head along with an elastic headband. The interchangeable hand shield is affixed to the front of the head frame and can be replaced with other objects. The athletic face shield fits in front of the player's face to produce the “hand in your face” affect utilized by defense players. It allows a solitary player to practice his or her defense game and experience the defense hand in their face when shooting.