Abstract: Systems and methods for biometric payments are disclosed. In one embodiment, a method for conducting a biometric payment may include (1) receiving at a server and from an electronic device, transaction information comprising an identification of a good or service to purchase from a merchant and a biometric payment instruction from an individual that was captured by the electronic device; (2) at least one computer processor authenticating the individual based on the biometric payment instruction; (3) the at least one computer processor determining a payment account for the transaction from the biometric payment instruction; (4) the at least one computer processor retrieving a payment device associated with the payment account; and (5) the at least one computer processor providing the payment device to the merchant.

Abstract: Systems and methods for biometric payments are disclosed. In one embodiment, a method for conducting a biometric payment may include (1) receiving at a server and from an electronic device, transaction information comprising an identification of a good or service to purchase from a merchant and a biometric payment instruction from an individual that was captured by the electronic device; (2) at least one computer processor authenticating the individual based on the biometric payment instruction; (3) the at least one computer processor determining a payment account for the transaction from the biometric payment instruction; (4) the at least one computer processor retrieving a payment device associated with the payment account; and (5) the at least one computer processor providing the payment device to the merchant.

Abstract: The invention relates to a customer authentication system that comprises: identifying a customer identification based on a customer input; using the customer identification, identifying a plurality of IoT devices associated with the customer where the customer has an authentication set of IoT devices; receiving a user selection of IoT devices; determining whether the user selection matches the authentication set of IoT devices; connecting to one or more of the user selected IoT devices; transmitting a request to one or more of the user selected IoT devices for user interaction data; and verifying user activity based on the user interaction data.

Abstract: Systems and methods for biometric payments are disclosed. In one embodiment, a method for biometric payments may include (1) receiving transaction information from a merchant terminal, the transaction information comprising an identification of a good or service to purchase and a biometric payment instruction; (2) at least one computer processor authenticating the individual based on the biometric payment instruction; (3) the at least one computer processor determining a payment account from the biometric payment instruction; (4) the at least one computer processor retrieving a payment device associated with the payment account; and (5) the at least one computer processor providing the payment device to the merchant terminal.

Abstract: The invention relates to an authentication interface located at a branch location comprising: a recognition unit, positioned in a direction towards an entrance of the branch location, that identifies a visitor based on a physical biometric, the recognition unit comprising at least one camera that receives image data associated with the visitor and performs a facial recognition based on the image data; a processing unit, coupled to the recognition unit, that identifies the visitor as a customer based on the facial recognition, the customer having a customer identifier associated with a customer profile; the processing unit generates a customer interaction event based on the customer profile and places the customer in a queue for servicing; and an interactive display, coupled to the queuing unit and processing unit, that displays a customized message to address the customer interaction event.

Abstract: Systems and methods for identifying financial transaction opportunities for individualized offers are disclosed. In one embodiment a method for offering rewards to a customer of a financial institution may include (1) a server comprising at least one computer processor identifying a customer spending opportunity for a customer to use a financial instrument issued by a financial institution to conduct a transaction involving the customer spending opportunity; (2) the server determining an incentive to offer the customer for using the financial instrument issued by the financial institution to conduct the transaction involving the customer spending opportunity; and (3) the server communicating the incentive to an electronic device associated with the customer.

Abstract: Systems and methods for multifactor physical authentication are disclosed. In one embodiment, a method for accessing an entitlement at a facility using multifactor physical authentication may include (1) receiving, at a first electronic interface at a facility, an individual identifier from an individual; (2) at least one computer processor presenting a challenge to the individual; (3) the at least one computer processor receiving, at a second interface, a response to the challenge; (4) the at least one computer processor authenticating the individual based on the individual identifier and the response; (5) the at least one computer processor retrieving at least one authorized entitlement associated with the individual identifier; and (6) the at least one computer processor activating the entitlement at the facility associated with the authorized entitlement.

Abstract: The invention relates to a token-based mobile payment device comprising: a memory component that stores tokens and corresponding token use data; an interactive display that receives user input and in response to the user input, displays output data; a processor, coupled to the memory component and the interactive display, configured to perform the steps of: request a token to be transmitted to one or more recipients; identify an amount for the token and one or more restrictions on use of the token; communicating, via a wireless communication network, the token to the one or more recipients; and tracking the token and providing active token use data, via the interactive display.

Abstract: Embodiments of the invention are directed to a computer-implemented expense splitting method and system for allowing a payer to divide expenses among multiple purchasers with merchant integration. The method may include storing, in at least one computer memory, payer data and expense splitting instructions and accessing the computer memory with at least one computer processor and executing the instructions to perform multiple steps. The steps may include converting a captured receipt image to purchase data and providing a user interface displaying entries corresponding to purchases, and further providing a tagging option for tagging each of the entries with an indicator of at least one purchaser identity. The steps may also include storing the receipt data and format for easy receipt capture on a subsequent purchase.

Abstract: An AR/VR system is provided for facilitating transactions. A computer memory stores at least one browser for accessing and downloading at least one downloadable mobile application, wherein the mobile application is downloadable over the Internet. A computer processor executes the instructions stored in memory and accesses the stored mobile application to operate in conjunction with an AR/VR device to perform multiple steps. The steps include capturing an image of an identifying object and authenticating an authorized system user based on the captured image. The steps additionally include receiving selection of an action from the authorized user, providing a virtual environment or overlays for a real environment based on the selected action, and executing user instructions within the virtual environment or real environment with overlays in accordance with the selected action.

Abstract: The invention relates to a customer interaction management system that comprises a memory that stores customer profile data and customer interaction data; a voice response input that receives a voice pattern from a customer; and a computer processor, coupled to the memory and the voice response input, programmed to: retrieve customer voice data from a current customer interaction via a voice channel; retrieve data from one or more other interactions via one or more other channels; compare customer voice data to a customer baseline, where the customer baseline is developed from one or more prior customer interactions; generate, using a speech analytics engine, a customer score that indicates customer sentiment based on the customer voice data and data from one or more other interactions; during the current customer interaction, update the customer score based on customer progress data; and develop one or more actions, in response to the customer score.

Abstract: Systems and methods for biometric authentication with liveness detection are disclosed. A method of biometric authentication may be performed in an information processing apparatus including at least a memory, a communication interface, at least one computer processor, a display, and an image capture device. The method may include (1) receiving a streaming images of a user's face captured by the image capture device; (2) graphically presenting, on the display, the streaming images, a target and a moveable object; (3) detecting a movement of a feature of the user's face in the streaming images; (4) graphically presenting the movement of the feature of the user's face on the display by moving the object in a direction of the movement of the feature of the user's face; and (5) determining whether the user is live based on the movement.

Abstract: Systems and methods for multifactor physical authentication are disclosed. In one embodiment, a method for accessing an entitlement at a facility using multifactor physical authentication may include (1) receiving, at a first electronic interface at a facility, an individual identifier from an individual; (2) at least one computer processor presenting a challenge to the individual; (3) the at least one computer processor receiving, at a second interface, a response to the challenge; (4) the at least one computer processor authenticating the individual based on the individual identifier and the response; (5) the at least one computer processor retrieving at least one authorized entitlement associated with the individual identifier; and (6) the at least one computer processor activating the entitlement at the facility associated with the authorized entitlement.

Abstract: Systems and methods for multifactor physical authentication are disclosed. In one embodiment, a method for accessing an entitlement at a facility using multifactor physical authentication may include (1) receiving, at a first electronic interface at a facility, an individual identifier from an individual; (2) at least one computer processor presenting a challenge to the individual; (3) the at least one computer processor receiving, at a second interface, a response to the challenge; (4) the at least one computer processor authenticating the individual based on the individual identifier and the response; (5) the at least one computer processor retrieving at least one authorized entitlement associated with the individual identifier; and (6) the at least one computer processor activating the entitlement at the facility associated with the authorized entitlement.

Abstract: The invention relates to a customer interaction management system that comprises a memory that stores customer profile data and customer interaction data; a voice response input that receives a voice pattern from a customer; and a computer processor, coupled to the memory and the voice response input, programmed to: retrieve customer voice data from a current customer interaction via a voice channel; retrieve data from one or more other interactions via one or more other channels; compare customer voice data to a customer baseline, where the customer baseline is developed from one or more prior customer interactions; generate, using a speech analytics engine, a customer score that indicates customer sentiment based on the customer voice data and data from one or more other interactions; during the current customer interaction, update the customer score based on customer progress data; and develop one or more actions, in response to the customer score.

Abstract: The invention relates to a customer interaction management system that comprises a memory that stores customer profile data and customer interaction data; a voice response input that receives a voice pattern from a customer; and a computer processor, coupled to the memory and the voice response input, programmed to: retrieve customer voice data from a current customer interaction via a voice channel; retrieve data from one or more other interactions via one or more other channels; compare customer voice data to a customer baseline, where the customer baseline is developed from one or more prior customer interactions; generate, using a speech analytics engine, a customer score that indicates customer sentiment based on the customer voice data and data from one or more other interactions; during the current customer interaction, update the customer score based on customer progress data; and develop one or more actions, in response to the customer score.

Abstract: Embodiments of the invention are directed to a computer-implemented expense splitting method and system for allowing a payer to divide expenses among multiple purchasers with merchant integration. The method may include storing, in at least one computer memory, payer data and expense splitting instructions and accessing the computer memory with at least one computer processor and executing the instructions to perform multiple steps. The steps may include converting a captured receipt image to purchase data and providing a user interface displaying entries corresponding to purchases, and further providing a tagging option for tagging each of the entries with an indicator of at least one purchaser identity. The steps may also include storing the receipt data and format for easy receipt capture on a subsequent purchase.

Abstract: Systems and methods for biometric payments are disclosed. In one embodiment, a method for biometric payments may include (1) receiving transaction information from a merchant terminal, the transaction information comprising an identification of a good or service to purchase and a biometric payment instruction; (2) at least one computer processor authenticating the individual based on the biometric payment instruction; (3) the at least one computer processor determining a payment account from the biometric payment instruction; (4) the at least one computer processor retrieving a payment device associated with the payment account; and (5) the at least one computer processor providing the payment device to the merchant terminal.