A pervasive user experience capable of integrating robo advising with human advising is
discussed. Conversations and other inputs may be actively captured to identify issues with …

(57) ABSTRACT A pervasive advisor for major purchases and other expen ditures may
detect that a customer is contemplating a major purchase (eg, through active listening). The …

A pervasive user experience capable of integrating robo advising with human advising is
discussed. Conversations and other inputs may be actively captured to identify issues with …

Int. Ci. G06Q 20/16 (2012.01) G060 30/02(2012.01) G06Q 20/40 (2012.01) G06Q 50/00
(2012.01)(52) US Ci. CPC G06Q 30/0279 (2013.01); G06Q 20/16 (2013.01); G06Q 20/4014 …

(57) ABSTRACT A pervasive advisor for major purchases and other expenditures may
detect that a customer is contemplating a major purchase (eg, through active listening). The …

A pervasive user experience capable of integrating robo advising with human advising is
discussed. Conversations and other inputs may be actively captured to identify issues with …

A computing system facilities live and robo-advising ses sions, and transitions therebetween
based on detection of triggers. The computing system may extract voice inputs of a user from …

An approach for establishing and managing authentication circles is disclosed. The circles
may be used to facilitate management of accounts, goals, or resources of one or more …

Abstract Systems and methods for providing authentication circles to pursue financial goals
and/or share expenses with others are provided. One or more provider computing systems …

A pervasive advisor for major purchases and other expenditures may detect that a customer
is contemplating a major purchase (eg, through active listening). The advisor may assist the …