Abstract: A computer-implemented method for pacing a spend may include: (1) receiving, at a pacing computer program executed by a computer processor, a spend budget for a user for a period, wherein the spend budget represents income transactions for the period minus recurring or expected expense transactions for the period; (2) determining, by the pacing computer program, a pace of spend for the spend budget at a point in time for the period, wherein the pace of spend may be asymmetrical across the period; (3) determining, by the pacing computer program, a current spend for the period at the point of time; and (4) causing, by the pacing computer program, a display of an electronic device to graphically present the pace of spend for the point in time and the current spend for the period at the point in time.

Abstract: A method for facilitating predictive caching of data is provided. The method includes retrieving raw data relating to user activity for a plurality of users, the user activity including a history of web resources accessed by a user; converting the raw data into a structured data set based on a predetermined criterion; generating a model based on the structured data set; training the model by using a training data set, the training data set including the user activity for a predetermined period of time; determining, by using the trained model, a predicted first web resource for the user; and automatically caching, in a memory, the predicted first web resource.