Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, to provide digital identification. One of these methods includes receiving a request for a digital document from a digital wallet executing on a mobile device. The method includes identifying a digital document provider capable of providing the requested document. The method includes sending the request for the digital document to the identified digital document provider. The method includes receiving, from the digital document provider, information that enables the mobile device to view the digital document and does not enable the computer system to view the digital document.

Abstract: A system and method of providing real time account information for financial accounts is disclosed. The system includes an event based architecture including an event stream. Financial transaction processing systems publish transaction events to the event stream. A transaction service listening to the event stream detects new transaction events. The transaction service takes action to enrich transaction data. A middleware system reconciles existing transactions and persists transaction records in long term storage. Prior to closing financial accounts, the system can retrieve a list of all scheduled and pending transactions and request that these transactions are canceled before closing the account.

Abstract: Systems and methods are provided for modeling call center networks. Models are employed to run a simulation of the call center network based on call center network architecture data. The models are used to generate solution parameters for a call center network, and the solution parameters can be automatically implemented in at least a portion of the call center network.

Abstract: Embodiments disclosed herein may relate to systems and methods for secure authentication that enable a user to set up an account or log in an existing account upon an existing user vouching for the user. Embodiments disclosed herein relate to verifying one or more attributes of the user by transmitting multiple decentralized verification notifications to multiple existing users. Upon receiving a verification quorum, a request may be authenticated.

Abstract: Systems and methods are described to facilitate an efficient on-boarding experience for users joining a financial institution, while maintaining the integrity of certain operations to determine whether the users are eligible for certain financial products based on the personal information of the users. For instance, a first server may perform an approval process by receiving a request to verify an identity of the user using a digital identity service, sending to a second server a request to obtain one or more categories of personal information about the user, receiving personal information associated with the one or more categories selected by or authorized by the user, determining, based on at least some of the received personal information, that the user is approved for a payment card, and sending information associated with the payment card to a mobile device.

Abstract: In one embodiment, one or more non-transitory, computer-readable mediums store computer instructions that, when executed by a processor, cause the processor to receive inputs from one or more request sources. The inputs include user credentials to an electronic medical record (EMR) source provider system. The computer instructions, when executed by the processor, also cause the processor to validate the credentials via communication with the EMR source provider system without an external authorization process, retrieve one or more EMRs from the EMR source provider system after the credentials are validated by the EMR source provider system, and store the one or more EMRs in a single data repository.

Abstract: An intelligent voice assistant privacy regulating system may include a controller including: a device processor; and a non-transitory computer readable medium including instructions executable by the device processor to perform the following steps: receiving a selection from a user as to one or more privacy settings limiting the transmission of data from an intelligent voice assistant; and regulating transmissions from the intelligent voice assistant based on the selection.

Abstract: The APPARATUSES, METHODS AND SYSTEMS FOR A PUBLISHING AND SUBSCRIBING PLATFORM OF DEPOSITING NEGOTIABLE INSTRUMENTS (hereinafter “PS-PLATFORM”) provides a negotiable instrument data publish and subscribe framework, whereby financial institutions may exchange negotiable instrument deposit data and/or validation information within the publish and subscribe framework. In one embodiment, the PS-PLATFORM may register a financial institution as a subscriber and provide financial transaction information to the financial institution based on the subscription.

Abstract: Embodiments described herein disclose methods and systems for authenticating ownership of an account in real-time or near real-time so that a user can fund or open a new account without waiting for several days. The system enables an operator to select one or more methods for authentication from a group of candidate schemes. The candidate schemes include (1) a card-association-network scheme; (2) an account-aggregation scheme; and (3) a credit-bureau-integration scheme.

Abstract: A system includes a vehicle system including one or more sensors that to monitor one or more properties related to an operation of a vehicle. The system also includes a processor that receives expected vehicle usage information from an applicant, a database, publicly available sources, or the like and receive a set of data including the one or more properties from the vehicle system. The set of data is associated with the expected vehicle usage information. The processor may then determine a premium base rate based at least in part on the set of data and a risk associated with the applicant and determine a vehicle rate based at least in part on the set of data and a risk associated with the vehicle. The processor may then display a visualization including the premium base rate and the vehicle rate on a display.

Abstract: A system and method for providing aural guidance in imaging a document is disclosed. Visually impaired people may have difficulty when imaging a document with a mobile computing device. The system and method may analyze the image of the document in the imaging device, and output one or more aural directions in order for the user to move the document and/or camera for proper imaging of the document. In that regard, those with visual impairments may be assisted in imaging documents using a mobile computing device.

Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.

Abstract: A container system includes a container server that is configured to host a first container that includes an execution of a first image. The container server is also configured to receive a request to access the first container and receive an indication that the request to access is a potential security threat. In response to receiving the indication, the container server generates a second image that includes a copy of the first image. Additionally, in response to receiving the indication, the container server provides access to a second container that includes an execution of the second image.

Abstract: A method may include receiving, by a monitoring system from a software application configured to execute on a mobile device, a performance rating associated with an activity performed by an individual with respect to usage of a vehicle operated by the individual, determining, by the monitoring system, one or more rewards to allocate to the individual for use in a gaming platform, and updating, by the monitoring system, a user profile associated with the individual in the gaming platform, wherein the updated user profile is configured to access to the rewards.

Abstract: To protect corporate information technology (IT) networks, corporations or organizations can design their networks with secure technology. For example, before an employee can remotely access his or her company's network via a user device, a server associated with the company's network can setup an exemplary secure digital certificate for the user device. The secure digital certificate includes a public Internet Protocol (IP) address associated with a router used by the user device to access the Internet. When employee attempts to remotely access his or her company's network, the user device or a router associated with the user device can send the secure digital certificate along with a current public IP address of the router used by the user device to access the Internet. In some embodiments, if the public IP address included in the digital certificate matches the current public IP address, the user device can access the company's network.

Abstract: This disclosure provides methods and systems for performing authentication in a virtual reality environment. In some implementations, the system receives a request for access to a virtual reality financial center requiring authentication from a user. The system can collect user identification information that identifies the user and verification information required to verify the user's identity via a virtual reality platform.

Abstract: The present disclosure relates to methods and systems for providing personalized digital advice. A digital advisor service applies cross-entity historical interaction (e.g., behavior attributes) to one or more predictive models to identify one or more personalized goals for a user. The digital advisor service provides, via an application programming interface, the identified one or more personalized goals to an entity service, enabling the entity service to present the one or more personalized goals.

Abstract: Various embodiments of the present disclosure relate generally to providing services to users via communication channels. More specifically, various embodiments of the present disclosure relate to systems and methods for modifying, updating, and/or changing communication channel interactions based on the tracking or listening for events within other communication channels.

Abstract: The present disclosure relates to monitoring data in and around a vehicle to predict anomalous, e.g., unsafe, road conditions, and using the data to suggest a corrective action to avoid the unsafe road conditions. A computing device receives information indicative of imagery, sound, or vehicle operation via sensors and/or cameras mounted in or near a vehicle. The information may be received via the vehicle itself or via a device. The computing device then determines whether there is an indication of an anomalous road condition. The computing device also receives vehicle operation data extracted from one or more vehicle sensors. The computing device then determines whether there is an indication of unsafe road conditions, and if there is, the computing device may output a notice or alert via a notification system to alert the driver.

Abstract: An autonomous vehicle includes vehicle sensors that detect driving conditions and a communication interface communicatively coupled with a driving condition database via a communication network. The driving condition database stores vehicle sensor information indicative of first driving conditions and mobile device sensor information indicative of second driving conditions. Additionally, in response to a connection rating determination logic determining that a connection rating between the communication interface and the communication network below a threshold, a controller of the autonomous vehicle gathers, processes, and stores the vehicle sensor information and the mobile device sensor information for subsequent communication to the driving condition database and operates the autonomous vehicle based on the vehicle sensor information and the mobile device sensor information.