Abstract: A user device for interfacing predetermined external services provided by third party service providers to a user at a fixed location includes a processing platform running an operating system, a plurality of physical system resources associated with the remotely configurable user device, physical system resource interfaces for interfacing the operating system with the available physical system resources, a data store for storing ones of multiple configuration information associated with and identifying the external services that are available to a user with the user device and one or more of the available physical system resources required for ones of the external services and a communication resource for interfacing with the operating system to allow communication of the operating system with a central office for downloading of configuration information to remotely enable a selected one or ones of the predetermined external services provided by third party service providers.

Abstract: An apparatus and process for a migration model is provided that simulates impacts of various industry triggers, such as for example debit card products and online financial services, on aggregated costs and revenues associated with the traditional products and services, such as the traditional use of checks. The migration model apparatus and process provides an interactive tool for the simulation and analysis of the impact of new or existing triggers. The tool is interactive and allows a user to select from one or more triggers and to base the impact analysis on the interaction of the selected triggers with user defined parameters. The migration model apparatus and process provides a knowledge management system, whereby a user can define new triggers, which are then reviewed by application administrators and subsequently added to a library of triggers for use in future analysis and/or developing new triggers based on the existing trigger library.