Abstract: A method for analyzing transactional payment data is shown. Transaction data, relating to a transaction between a payor and at least one of a plurality of payees is collected. The collected transaction data from a plurality of payors is normalized to create normalized data. The normalized data is scaled to create financial information. The financial information is provided to a user.

Abstract: Systems and methods are disclosed for generating statistical models. Such systems and methods may utilize a database comprising data representing a plurality of variables. To generate a statistical model, a set of variables may be selected in accordance with a goal of the model. Using the database, the selected set of variables may then be applied to a plurality of statistical model types and the results from each statistical model type may be analyzed. Finally, at least one of statistical model may be identified based on the analysis of the results.

Abstract: An indicating device is provided, employing a plunger or piston movable along a casing, through a viscous liquid that provides an opposing force to the force provided by a spring that urges the piston in its movement. The viscous liquid is substantially uniform with temperature changes. A rod carried by the piston is initially in engagement with the casing, but releasable upon reaching a predetermined temperature, for substantially uniform movement of the piston through the fluid, with the rod being re-engageable with the casing upon solidification of a eutectic metal type connection upon reduction of the temperature, whereupon piston movement is halted. The device is used to determine not only if a product at the interior of a container has reached the desired temperature, but the length of time that the interior of the container remained at the desired temperature, and to this end, calibrations on the device may be provided.