Abstract: A current user lifecycle phase and a desired outcome for a user for a current user lifecycle phase are identified. Messages eligible to be shown to the user are identified based upon the current user lifecycle phase for the user. From the eligible messages, particular messages can be selected for delivery to the user based upon one or more governance rules, user attributes, user activity, seasonality, and/or the desired outcome for the current user lifecycle phase for the user. The selected messages can then be shown to the user. In this manner, relevant messages can be presented to the relevant users at a relevant time.

Abstract: A current user lifecycle phase and a desired outcome for a user for a current user lifecycle phase are identified. Messages eligible to be shown to the user are identified based upon the current user lifecycle phase for the user. From the eligible messages, particular messages can be selected for delivery to the user based upon one or more governance rules, user attributes, user activity, seasonality, and/or the desired outcome for the current user lifecycle phase for the user. The selected messages can then be shown to the user. In this manner, relevant messages can be presented to the relevant users at a relevant time.

Abstract: Data is stored that defines a user lifecycle phase and a desired outcome for the user lifecycle phase. Metrics are computed for evaluating the individual effectiveness of each of the messages in a set of messages. Personalization rules can be generated for a particular user that are based on the computed metrics and attributes associated with the particular user. The personalization rules are rules for selecting messages from the set of messages for presentation to the particular user. The personalization rules can be provided to a computing device associated with the particular user. The computing device can utilize the personalization rules to select a message from the set of messages and present the selected message to the user.

Abstract: A system and method are disclosed for optical scanning and recognition of bar-coded characters such as CMC7 type fonts having a pattern of bars and intervals recorded on documents such as bank drafts and checks. The system includes an imaging device for forming a digitized matrix having rows and columns of a character to be recognized. A processor and an associated program are used for rotating the digitized image to facilitate processing in a word size used by the processor. A memory is used for storing templates of the characters to be recognized to enable the processor to perform template matching. The apparatus and method also include first, second, and third bit configurations used in identifying a character.