International Business Machines Corporation

Eric Mibuari

Osamuyimen Stewart

Skyler Speakman

Isaac Waweru Wambugu

Felix Bonard Kwizera

Violette Ogega

Aisha Walcott-Bryant

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.

Methods and systems for offering financial products

A system and method is disclosed for converting smart cell phone applications to applications that operate on basic cell phones. The invention has a classifying process that classifies one or more functions of a cell phone application into those functions capable being performing by a basic cell phone and those functions, missing functions, that can not be performed by a basic cell phone. Substitute functions for the missing functions are developed. An emulator monitors the execution of the cell phone application and provides the substitute cell phone functions at points in the execution where a missing function is to be executed. Therefore, the smart phone application is converted into a basic phone application that can be executed by the basic cell phones with reduced functionality. The invention can run on a smart phone or a server. The invention can also be provided as a server based service for basic cell phone users.

Automatic system and method for conversion of smart phone applications to basic phone applications

Growing community of inventors

Cambridge, MA, United States of America

Eric Mibuari