Abstract: Provided are a computer system and method for generating and providing intelligent recommendations using artificial intelligence (“AI”). The system includes a memory for storing user feedback data, user resource data, and user goal data, and a processor in communication with the memory. The processor is configured to execute a first AI model for user interface (“UI”) effectiveness optimization, a second AI model for transaction optimization, a model mapping module configured to implement a functional mapping between the first AI model and the second AI model through which the first AI model and second AI model communicate and mutually update each other, and a user interface generator module for generating a user interface for outputting the intelligent recommendations and receiving the user feedback data.

Abstract: Provided are a computer system and method for generating and providing intelligent recommendations using artificial intelligence (“AI”). The system includes a memory for storing user feedback data, user resource data, and user goal data, and a processor in communication with the memory. The processor is configured to execute a first AI model for user interface (“UI”) effectiveness optimization, a second AI model for transaction optimization, a model mapping module configured to implement a functional mapping between the first AI model and the second AI model through which the first AI model and second AI model communicate and mutually update each other, and a user interface generator module for generating a user interface for outputting the intelligent recommendations and receiving the user feedback data.

Abstract: Provided are systems, methods and devices for increasing security in a financial transaction when using a smartcard. The system includes a smartcard for payment in a financial transaction, the smartcard having a memory for storing a first actuation sequence for confirming a user's identity; wherein the smartcard has a checking module that authorizes the transaction only when a second actuation sequence is identical to the first actuation sequence stored in the memory; a point of sale terminal for recording payment details from the smartcard once the financial transaction is authorized and transmitting a request for payment through a network to a financial institution according to the payment details; and a financial institution authorizing computer for allowing recording of an actuation sequence on the smartcard and making payment to the owner of the point of sale terminal once the transaction is authorized, according to the payment details.

Abstract: Provided are systems, methods and devices for increasing security in a financial transaction when using a smartcard. The system includes a smartcard for payment in a financial transaction, the smartcard having a memory for storing a first actuation sequence for confirming a user's identity; wherein the smartcard has a checking module that authorizes the transaction only when a second actuation sequence is identical to the first actuation sequence stored in the memory; a point of sale terminal for recording payment details from the smartcard once the financial transaction is authorized and transmitting a request for payment through a network to a financial institution according to the payment details; and a financial institution authorizing computer for allowing recording of an actuation sequence on the smartcard and making payment to the owner of the point of sale terminal once the transaction is authorized, according to the payment details.

Abstract: Provided are a computer system and method for generating and providing intelligent recommendations using artificial intelligence (“AI”). The system includes a memory for storing user feedback data, user resource data, and user goal data, and a processor in communication with the memory. The processor is configured to execute a first AI model for user interface (“UI”) effectiveness optimization, a second AI model for transaction optimization, a model mapping module configured to implement a functional mapping between the first AI model and the second AI model through which the first AI model and second AI model communicate and mutually update each other, and a user interface generator module for generating a user interface for outputting the intelligent recommendations and receiving the user feedback data.

Abstract: Provided is a computer system and method for automatically electronically transferring funds. The system includes a computer display device displaying a user interface configured to provide the customer with a computer input device to create a savings plan to purchase an item with an indicated price. The system provides that the savings plan is based on a series of electronic fund transfers into a savings account to accumulate electronic funds in the savings account equaling the indicated price. The system also includes a computer server which includes a computer processor configured to determine that the customer does not have sufficient funds and sufficient credit to electronically transfer funds equaling the indicated price. The server also includes a computer readable memory with stored instructions to initiate a purchasing action to purchase the item for the customer when the savings account has sufficient funds to purchase the item.

Abstract: Provided are systems, methods and devices for increasing security in a financial transaction when using a smartcard. The system includes a smartcard for payment in a financial transaction, the smartcard having a memory for storing a first actuation sequence for confirming a user's identity; wherein the smartcard has a checking module that authorizes the transaction only when a second actuation sequence is identical to the first actuation sequence stored in the memory; a point of sale terminal for recording payment details from the smartcard once the financial transaction is authorized and transmitting a request for payment through a network to a financial institution according to the payment details; and a financial institution authorizing computer for allowing recording of an actuation sequence on the smartcard and making payment to the owner of the point of sale terminal once the transaction is authorized, according to the payment details.

Abstract: Quinoa-containing beverages and methods of processing and manufacture include mechanical grinding, milling or pulverization of natural quinoa seeds to produce a quinoa ingredient for a beverage. The process includes the steps of providing washed quinoa, milling quinoa to within a specified range of particle sizes, blending milled quinoa with a liquid base such as water, and heating the blended beverage to within a specified temperature range. Additional steps may include the introduction of other compatible ingredients, and roasting quinoa seeds prior to milling or grinding. Use of automated processing equipment for commercial scale beverage production is also described.