Abstract: The disclosure provides systems and methods for analysis of financial data and customization of financial products. Time-dependent data is obtained for a relatively large set of users, and from the data are determined a relatively small set of trajectories that model user behaviour. New users are characterized according to the trajectories and financial products are automatically personalised to suit the new user.

Abstract: A property valuation method, system, and computer program product, including determining a set of features required to perform a valuation of a property at a location with a valuation coverage area, broadcasting the set of features to crowdsourced devices within the valuation coverage area, and determining a property valuation score for the location based on a received set of features from at least one of the crowdsourced devices.

Abstract: The disclosure provides systems and methods for analysis of financial data and customization of financial products. Time-dependent data is obtained for a relatively large set of users, and from the data are determined a relatively small set of trajectories that model user behaviour. New users are characterized according to the trajectories and financial products are automatically personalised to suit the new user.

Abstract: The disclosure provides systems and methods for analysis of financial data and customization of financial products. Time-dependent data is obtained for a relatively large set of users, and from the data are determined a relatively small set of trajectories that model user behaviour. New users are characterized according to the trajectories and financial products are automatically personalised to suit the new user.

Abstract: An inventive system includes a first electronic device, such as a cellular phone, that implements a method of detecting a voice conversation via the first electronic device; detecting an interruption of continuity of the voice conversation; and adapting operation of the first electronic device to maintain the continuity of the voice conversation. For example, adapting operation of the first electronic device may include auto-completing the voice conversation during the interruption of continuity. As another example, adapting operation of the first electronic device may include generating a text summary of the voice conversation during the interruption of continuity by activating a speech-to-text function and then transmitting to a second electronic device an electronic signal encoding the text summary. The method may include detecting a level of importance of the voice conversation by identifying a topic of the voice conversation.

Abstract: The disclosure provides systems and methods for analysis of financial data and customization of financial products. Time-dependent data is obtained for a relatively large set of users, and from the data are determined a relatively small set of trajectories that model user behaviour. New users are characterized according to the trajectories and financial products are automatically personalised to suit the new user.

Abstract: The disclosure provides systems and methods for rapid prototyping of GUIs based on data files. The GUIs are suitable for use by customers of a service provider such as a financial service provider, and may be designed for any platform such as common mobile platforms. The systems and methods provide a convenient method for testing new GUIs for rollout and modification of products by the provider.

Abstract: The disclosure provides systems and methods for rapid prototyping of GUIs based on data files. The GUIs are suitable for use by customers of a service provider such as a financial service provider, and may be designed for any platform such as common mobile platforms. The systems and methods provide a convenient method for testing new GUIs for rollout and modification of products by the provider.