Abstract: A system and method for predicting financial behaviors of the consumers and utilizing this predicted data to assist consumers in managing their accounts and find other consumers. The systems and methods of the present invention provides for receiving consumers transactions and clustering the transactions to compute a similarity measure and further predicting future transactions based on the similarity measure of the clustered transactions. These predictive future transactions are further computed to generate a predictive behavior model which provides predictive financial behaviors of the consumers. Some of the uses of this system and method include assisting users by warning them of impending problems, optimally routing transactions, suggesting financial products and identifying particular behavior patterns for personal goal achievement and self directed behavior modification.

Abstract: A portable hand-held device (20) has a camera (102) for use by a professional truck driver while on the road to allow pictures taken to be transmitted via a transceiver of the device through a cellular telephone network to an Internet site that is linked with the telephone network and that can be securely accessed via the Internet from a personal computer at the driver's home. Pictures from home can be uploaded to the site and when one is, an alert is issued to the driver. The device also includes a GPS (132) for enabling the site to display travel of the driver on a map.

Abstract: A portable hand-held device (20) has a camera (102) for use by a professional truck driver while on the road to allow pictures taken to be transmitted via a transceiver of the device through a cellular telephone network to an Internet site that is linked with the telephone network and that can be securely accessed via the Internet from a personal computer at the driver's home. Pictures from home can be uploaded to the site and when one is, an alert is issued to the driver. The device also includes a GPS (132) for enabling the site to display travel of the driver on a map.