Abstract: Financial transaction data representing financial transactions associated with a user is obtained from two or more sources through a personal financial management and bill payment system. The financial transaction data is then analyzed to identify recurring payments to the same payees, and/or for the same products or services, and generate baseline bill payment and/or invoice data for the same payees, and/or for the same products or services. Financial transaction data associated with the user is then monitored and compared with the baseline bill payment and/or invoice data and if a bill and/or invoice payment is identified for a payee, and/or for a service or product, that is outside a defined range of the baseline amount or frequency associated with that payee, and/or for that service or product, the bill and/or invoice payment is identified as a potentially fraudulent financial transaction.

Abstract: A method for using a website, including detecting, using an agent executing on a central processing unit (CPU) and operatively coupled to a financial management application (FMA), a user accessing a webpage of the website by comparing a web address submitted by the user to a pre-determined web address of the webpage, analyzing the webpage based on a pre-determined template to identify a data entry field, identifying, using the agent executing on the CPU, data managed within the FMA for populating the data entry field, wherein the data is identified by comparing the data entry field to a data model of the FMA, retrieving the data managed within the FMA to generate retrieved data, and populating, using the agent executing on the CPU, the data entry field using the retrieved data based on the data model of the FMA.