Abstract: Methods, apparatuses, and computer program products are disclosed for currency control. An example point-of-sale (POS) device for use with physical currency notes includes a scanning system configured to generate physical currency data associated with one or more physical currency notes and a controller operably coupled with the scanning system. The controller is configured to generate digital currency data based upon the physical currency data. The digital currency data includes a digital representation of the physical currency notes. The controller further determines one or more selected physical currency notes for destruction based upon the digital currency data and may query a currency attribute database that includes one or more currency attributes associated with the physical currency notes. The POS device also includes a currency destruction mechanism that causes destruction of the selected physical currency notes.

Abstract: Provided herein is a holistic fraud cocoon that protects a user from incoming or outgoing fraud and phishing communications by capturing, analyzing and either altering, discarding or presenting communications to the user. For example, the holistic fraud cocoon captures all incoming sources (mail, in-person visits, phone, TV, radio, newspapers and internet) and the actions performed by the user, triggered by those sources. Certain actions are held in a queue to be reviewed, validated and acted upon by a third party before the actions are executed.

Abstract: A method, apparatus, and computer program product for alternative payment transactions are provided. An example computer-implemented method includes receiving a first request for payment associated with a first transaction that includes one or more first payment parameters and generating an initial payment responsive to the first request for payment based upon the first payment parameters. The computer-implemented method also includes determining first alternative payment data based upon first payment attribute data of a first user associated with the first transaction. The first payment attribute data is associated with non-cash liquid assets of the first user. The computer-implemented method additionally includes modifying the initial payment based upon the first alternative payment data and effectuating the modified initial payment from a first user account associated with the first user in satisfaction of the first transaction.

Abstract: Systems, methods, and apparatuses for facilitating augmented reality (AR) rewards are described herein. The system includes a sensor network configured to transmit and receive sensor data within an environment. A first user device associated with a first user and a second user device associated with a second user are configured to communicate with the sensor network and determine a position and an entity positioning characteristic of the first user and the second user, respectively. A computing device is configured to receive the sensor data including the position and entity position characteristics of the first and second users. The computing device is also configured to determine a behavior of the first and second users based on the received data. The computing device is also configured to generate a plurality of reward tokens. Each of the reward tokens is associated with a behavior characteristic.

Abstract: A user mobile device includes a network interface, an input/output (“I/O”) device configured to exchange data with a user, the I/O device including a display device configured to present a graphical user interface to the user, an imaging device configured to generate image data; and a processing circuit. The processing circuit comprising a memory and a processor. The memory stores instructions that cause the processor to receiver user photograph data including multiple photographs of the user, determine an emotive state of the user in each of the photographs, categorize each photograph into at least a user positive emotion category and a user negative emotion category, receive spending behavior data, generate a user spending alert based on the spending behavior data including a photograph from at least one of the user positive emotion category and the user negative emotion category, and present the spending alert to the user.

Abstract: Methods, apparatuses, and computer program products are disclosed for dynamic user interfaces. An example computer-implemented method includes receiving a communication channel request from a user device and establishing a communication channel with the user device. The computer-implemented method also includes receiving an indication that a first user and a second user are accessing the communication channel via the user device and generating a hybrid interface. The hybrid interface includes blended interface data based upon first user parameter data associated with the first user and second user parameter data associated with the second user, first personalized interface data based upon the first user parameter data, and second personalized interface data based upon the second user parameter data. The computer-implemented method may include causing the first personalized interface data and/or the second personalized interface data to be obscured.

Abstract: Methods, apparatuses, and computer program products are disclosed for dynamic user interfaces. An example computer-implemented method includes receiving a communication channel request from a first user and establishing a communication channel between a dynamic interface system and a device associated with the communication channel request. The computer-implemented method also includes determining that the first user and a second user are accessing the communication channel via the device and rendering a hybrid interface. The hybrid interface includes blended interface data based upon first user parameter data associated with the first user and second user parameter data associated with the second user, first personalized interface data based upon the first user parameter data, and second personalized interface data based upon the second user parameter data. The computer-implemented method may include obscuring the first personalized interface data and/or the second personalized interface data.

Abstract: Embodiments of the present disclosure provide for improvements in managing connection channels for multiple associated users. As connection channel changes occur for one or more users, various connection channels are updated such that appropriate functionality is accessible as determined based on aspects of the connection channel change. Example embodiments provide for establishing a plurality of connection channels associated with a plurality of user data objects, where each of the plurality of connection channels enables access to functionality associated with a shared electronic data object via one of a plurality of computing devices, detecting, for a first user data object of the plurality of user data objects, a connection channel change associated with a first connection channel corresponding to a first computing device, and updating the functionality associated with the shared electronic data object for at least one of the plurality of connection channels based on the connection channel change.

Abstract: An augmented reality (AR) electronic computing device for determining a likelihood of fraudulent content in an advertisement includes receiving a digital image of the advertisement. A dataset of information relating to the advertisement is extracted from the digital image. Content related to the advertisement is identified from the dataset of information. The identified content is used to request identification information regarding the advertisement. The identification information and supplemental information are used to calculate a scam score for the advertisement. The scam score indicates the likelihood of fraudulent content in the advertisement.

Abstract: Embodiments of the present disclosure provide for improvements in managing connection channels for multiple associated users. As connection channel changes occur for one or more users, various connection channels are updated such that appropriate functionality is accessible as determined based on aspects of the connection channel change.

Abstract: A distributed system includes a user device that is configured to identify a service provided by a service device; determine a specific amount of funds associated with the service; send, to a lending device, a real-time loan request associated with a loan, where the real-time loan request specifies at least an identifier of the user device and the specific amount of funds for the loan; receive, from the lending device, a digital token that specifies usage restrictions that are associated with (i) an approved amount of funds, (ii) a duration of the loan, and (iii) a payee associated with the service device; and send, to the service device, a real-time transaction request for the service provided by the service device, where the real-time transaction request includes the digital token that is redeemable by the payee associated with the service device for the approved amount of funds for the loan.

Abstract: An example method includes sending a request for performance information associated with one or more candidate devices with which a device may perform a new transaction, responsive to sending the request, receiving the performance information that includes data associated with at least one historical transaction previously performed by the one or more candidate devices, analyzing the performance information using one or more device-specific performance criteria defined by the device, wherein the one or more device-specific performance criteria are associated with the new transaction and/or the candidate devices, determining, based on the analyzing, rating information associated with the candidate devices, wherein the rating information is customized for the device using the device-specific performance criteria that are defined by the device, selecting, based on the rating information, a particular candidate device from the one or more candidate devices, and initiating, with the particular candidate device, pe

Abstract: An example method includes sending a request for performance information associated with one or more candidate devices with which a device may perform a new transaction, responsive to sending the request, receiving the performance information that includes data associated with at least one historical transaction previously performed by the one or more candidate devices, analyzing the performance information using one or more device-specific performance criteria defined by the device, wherein the one or more device-specific performance criteria are associated with the new transaction and/or the candidate devices, determining, based on the analyzing, rating information associated with the candidate devices, wherein the rating information is customized for the device using the device-specific performance criteria that are defined by the device, selecting, based on the rating information, a particular candidate device from the one or more candidate devices, and initiating, with the particular candidate device, pe

Abstract: A distributed system includes a lending device that is configured to receive, from a user device, a real-time request for a loan associated with a service, where the request specifies at least an identifier of the user device and a specific amount of funds; determine, based at least on the specific amount of funds for the loan and on the identifier of the user device, to provide the loan to the user device; generate a digital token associated with the loan, where the digital token specifies usage restrictions that are associated with (i) an approved amount of funds, (ii) a duration of the loan, and (iii) a payee associated with a service device; and provide, the user device and/or the service device, the digital token associated with the loan, where the digital token is redeemable by the payee associated with the service device for the approved amount of funds.

Abstract: Systems, methods, and apparatuses for negotiating a suboptimal savings plan include a financial strategy database storing information associated with an optimal savings plan and at least one suboptimal savings plan, an account information database storing information associated with a financial account held by a customer, and a processing circuit. The processing circuit is structured to identify an opportunity for a suboptimal savings plan relating to the customer, receive information associated with a financial account held by the customer, generate a set of potential suboptimal savings plans based on the received information, provide the customer with the set of potential suboptimal savings plans, and set an accepted suboptimal savings plan as an active savings plan in response to the customer selecting one of the potential suboptimal savings plans.

Abstract: A system and computer-readable storage medium perform a method of augmenting eCommerce with quasi in-person discovery facilitated by an eCommerce platform that: (i) presents, to a buyer on a buyer user interface (UI) provided by buyer user device(s), an eCommerce opportunity associated with a tangible object that is offered by a seller via a seller UI; (ii) provides an interactive control affordance on the buyer UI that enables the buyer to select for presentation another visual aspect of the tangible object that is provided by the seller UI; (iii) recognizes, by an augmented reality component of the buyer user device(s), a discovered attribute of the other visual aspect of the tangible object; (iv) accesses information related to the discovered attribute that is pertinent to the eCommerce opportunity; and (v) presents, to the buyer on the buyer user interface, an augmented reality informational item associated with the discovered attribute.

Abstract: This disclosure provides systems and methods for matching a customer with a service representative. A request for service can be received from a customer. A first service interaction can be initiated between the customer and a first service representative. A customer sentiment metric can be determined during the first service interaction. The customer sentiment metric can indicate a level of customer satisfaction during the first service interaction. A second service representative suitable for fulfilling the customer's request for service can be identified, based at least in part on the customer sentiment metric. A second service interaction can be initiated between the customer and the second service representative, responsive to the identification of the second service representative.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of cash tagging. A system enhances an automated teller machine with the capability of depositing a Radio Frequency Identification tag on the paper substrate of the cash. The cash is tagged after determination of a tracking scenario. The cash may be tracked by using an RFID scanner. The cash may be tracked using a remote cash registry to track and record ownership, location, or the like.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of shopping for large ticket items. The innovation provides a product portal through which a customer can shop for items digitally over an internet. Availability information can be provided regarding the item to the customer. Customer information is received from the customer. The customer information can include financial data. A customer financial capability is determined based on the financial data to determine whether the customer can purchase the item. A dynamic credit offer can be generated based on the customer financial capability and a cost associated with the item such that an alternate item or ancillary items may be offered depending on the customer financial capability. A demonstration is scheduled based on a demonstration availability and the customer availability.

Abstract: A user mobile device includes a network interface, an input/output (“I/O”) device configured to exchange data with a user, the I/O device including a display device configured to present a graphical user interface to the user, an imaging device configured to generate image data; and a processing circuit. The processing circuit comprising a memory and a processor. The memory stores instructions that cause the processor to receive, by at least one of the network interface, I/O device, and imaging device, data indicative of spending behavior of the user, generate a user spending alert based on the received data, the user spending alert including a user photograph, and present, via the display device, the user spending alert to the user.