Abstract: A method for authenticating a user includes receiving an account identifier from the user, obtaining, based on the account identifier, a valid media objects, and presenting, to the user, media objects that include valid media objects and a invalid media objects. A selection of a subset of the media objects is received. The method further includes obtaining user metrics for risk analysis, performing, by a computer processor, risk analysis to identify a risk level based on user metrics, authenticating, based on the risk level and the selection of the subset, the user, and authorizing the user to access a resource when the user is authenticated.

Abstract: Systems, methods and articles of manufacture for displaying a list of a plurality of accounts of a user in an online financial services website are provided. A relevance index is determined for each account accessible by the user at the website which is based upon a number of account factors related to the expected level of interest for each account. The website displays a list of the accounts in an order from of relevance based upon the relevance index for each account so that the accounts of most interest to the user are displayed at the top of the list.

Abstract: Systems, methods and articles of manufacture for a computerize method of providing financial management to a user by integrating financial data from a plurality of sources such as online financial services. The system analyzes the financial data from a plurality of sources together to determine financial transactions beneficial to the user, and executes the financial transactions. The system may also analyze a user's transactional history among multiple accounts to identify and predict recommended financial transactions to the user. This provides an integrated solution for linking and coordinating multiple online banking services which previously had no operational link.

Abstract: Systems and methods for adding a payee to a user's list of payees in an online bill payment system provided by a financial institution. The online bill payment system accesses financial data of the user from a personal finance management application or a financial institution. The financial data is analyzed by a computer to identify payees of the user. The bill payment system determines if it has payment information for the identified payee, and adds the payee to the user's list of payees. Alternatively, the financial data may be accessed and aggregated by a personal finance management application and then analyzed by a computer to identify a payee. Then the identified payee is communicated to the online bill payment system, which adds the identified payee to the user's list of payees.