Secure messaging systems and methods

1. A secure messaging system comprising:

at least one hardware processor configured to execute instructions stored in memory;

a data retention system and a predictive analytics system;

a web services layer providing access to the data retention and the predictive analytics systems;

an application server layer that:

provides a user-facing application that accesses the data retention and the predictive analytics systems through the web services layer; and

performs processing based on user interaction with a goal-based planning application; and

a batching service, wherein the application server layer transmits a request to the web services layer for data and a time required for updating or retrieving the data meets or exceeds a threshold, the request processed by the batching service transparently to a user such that the user can continue to use the user-facing application without disruption.

2. The secure messaging system of claim 1 , further comprising the data retention system and the predictive analytics system wherein both are in secure isolation from a remainder of the secure messaging system.

3. The secure messaging system of claim 1 , further comprising the web services layer providing access to the data retention and the predictive analytics systems providing a goal-based planning application.

4. The secure messaging system of claim 1 , further comprising the user-facing application being secured through use of a security token cached on a web browser that provides the user-facing application.

5. The secure messaging system of claim 1 , further comprising the application server layer performing asynchronous processing.

6. The secure messaging system of claim 1 , further comprising the goal-based planning application processing data from a plurality of user accounts.

7. The secure messaging system of claim 1 , wherein the application server layer transmits the time required for updating or retrieving the data that meets or exceeds the threshold.

8. The secure messaging system of claim 1 , further comprising the request processed by the batching service transparently to the user such that the user can continue to use the user-facing application without disruption.

9. A method, comprising:

providing, by an application server layer, a user-facing application that accesses a data retention system and a predictive analytics system through a web services layer;

providing a batching service;

transmitting, by the application server layer, a request to the web services layer for data;

transparently processing, by the batching service, the request and a time required for updating or retrieving the data meets or exceeds a threshold, the request being processed by the batching service transparently to a user such that the user can continue to use the user-facing application without disruption; and

performing processing based on user interaction with a goal-based planning application.

10. The method of claim 9 , further comprising the user-facing application being secured through use of a security token cached on a web browser that provides the user-facing application.

11. The method of claim 10 , further comprising establishing a security protocol or security token utilized between the application server layer and the web services layer that is different from the security token cached on the web browser.

12. The method of claim 9 , further comprising the application server layer transmitting a time required for updating or retrieving the data that meets or exceeds a threshold.

13. The method of claim 9 , further comprising transparently processing, by the batching service, the request such that the user can continue to use the user-facing application without latency caused by processing the request affecting the user-facing application.

14. The method of claim 9 , further comprising the application server layer performing asynchronous processing.

15. The method of claim 9 , further comprising performing processing based on user interaction with the goal-based planning application of the predictive analytics system that processes data from a plurality of user accounts.

16. A secure messaging system configured to utilize at least one processor to execute instructions stored in memory, the system comprising:

a data retention system;

a web services layer providing access to the data retention system;

a goal-based planning application or service that provides predictive analytics;

an application server layer that:

provides a user-facing application; and

performs processing based on user interaction with the goal-based planning application; and

a batching service, wherein a request from the application server layer to the web services layer for data and a time required for updating or retrieving the data meets or exceeds a threshold is processed by the batching service transparently to a user such that the user can continue to use the user-facing application without disruption.

17. The secure messaging system of claim 16 , further comprising the data retention system being in secure isolation from a remainder of the secure messaging system.

18. The secure messaging system of claim 16 , further comprising the user-facing application being secured through use of a security token cached on a web browser that provides the user-facing application.

19. The secure messaging system of claim 16 , further comprising the application server layer performing asynchronous processing.

20. The secure messaging system of claim 16 , further comprising the request processed by the batching service transparently to a user such that the user can continue to use the user-facing application without disruption.