Abstract: A processor may obtain financial data for a user. The processor may process the financial data to generate feature data indicative of at least one feature. The processor may compare the at least one feature to at least one threshold value to determine that the user has a cognitive bias affecting a financial preference of the user and associated with the at least one threshold value. The at least one threshold value may denote a threshold for membership in a cluster of unlabeled users having the cognitive bias. In response to the comparing, the processor may identify a change applicable to a financial account of the user. The change may be associated with the cognitive bias. The processor may automatically cause the change to be implemented by a network-accessible financial service.

Abstract: A processor may obtain financial data for a user. The processor may process the financial data to generate feature data indicative of at least one feature. The processor may compare the at least one feature to at least one threshold value to determine that the user has a cognitive bias affecting a financial preference of the user and associated with the at least one threshold value. The at least one threshold value may denote a threshold for membership in a cluster of unlabeled users having the cognitive bias. In response to the comparing, the processor may identify a change applicable to a financial account of the user. The change may be associated with the cognitive bias. The processor may automatically cause the change to be implemented by a network-accessible financial service.

Abstract: A processor may obtain data indicating a user's financial health. The data may include personality data not directly related to finances. The processor may analyze the data to identify a change applicable to a financial account of the user. The change may be configured to improve the user's financial health. The processor may automatically cause the change to be implemented by a network-accessible financial service.

Abstract: Computer-implemented methods, systems and computer program products for automatic bill payment. The method includes receiving an electronic version of a bill at a bill receiver computer, the bill being received from a source through a network, wherein the bill is payable by a user, and has bill characteristics. The method also includes the bill receiver computer performing a comparison of the bill characteristics of the received bill with pre-determined guardrails associated with an account of the user. The method further includes the bill receiver computer determining whether the bill characteristics trigger a pre-determined guardrail based, at least in part, upon the comparison. Moreover, the method includes the bill receiver computer paying the received bill when the bill characteristics of the received bill do not trigger the pre-determined guardrail, else the bill receiver computer transmitting a request to authorize bill payment to a user computer.

Abstract: An offer delivery system provides a mechanism for coordinating presentation of offers to customers that may originate from multiple different sources and that may be delivered to the customers over different channels. The systems makes use of rules to prioritize, select, and time the delivery of offers to any particular customer, allocate limited resources in the channels to deliver offers to a set of customers, and provide mechanisms for users or their agents to limit the delivery of offers, for example, by their frequency or type.

Abstract: An offer delivery system provides a mechanism for coordinating presentation of offers to customers that may originate from multiple different sources and that may be delivered to the customers over different channels. The systems makes use of rules to prioritize, select, and time the delivery of offers to any particular customer, allocate limited resources in the channels to deliver offers to a set of customers, and provide mechanisms for users or their agents to limit the delivery of offers, for example, by their frequency or type.

Abstract: An offer delivery system provides a mechanism for coordinating presentation of offers to customers that may originate from multiple different sources and that may be delivered to the customers over different channels. The systems makes use of rules to prioritize, select, and time the delivery of offers to any particular customer, allocate limited resources in the channels to deliver offers to a set of customers, and provide mechanisms for users or their agents to limit the delivery of offers, for example, by their frequency or type.

Abstract: An offer delivery system provides a mechanism for coordinating presentation of offers to customers that may originate from multiple different sources and that may be delivered to the customers over different channels. The systems makes use of rules to prioritize, select, and time the delivery of offers to any particular customer, allocate limited resources in the channels to deliver offers to a set of customers, and provide mechanisms for users or their agents to limit the delivery of offers, for example, by their frequency or type.

Abstract: An offer delivery system provides a mechanism for coordinating presentation of offers to customers that may originate from multiple different sources and that may be delivered to the customers over different channels. The systems makes use of rules to prioritize, select, and time the delivery of offers to any particular customer, allocate limited resources in the channels to deliver offers to a set of customers, and provide mechanisms for users or their agents to limit the delivery of offers, for example, by their frequency or type.