Abstract: Virtual entities are displayed alongside real world entities in a wearable reality overlay device worn by the user. Information related to an environment proximate to the wearable device is determined. For example, a position of the wearable device may be determined, a camera may capture an image of the environment, etc. Virtual entity image information representative of an entity desired to be virtually displayed is processed based on the determined information. An image of the entity is generated based on the processed image information as a non-transparent region of a lens of the wearable device, enabling the entity to appear to be present in the environment to the user. The image of the entity may conceal a real world entity that would otherwise be visible to the user through the wearable device. Other real world entities may be visible to the user through the wearable device.

Abstract: Examples described herein relate to apparatuses and methods of providing automated teller machine (ATM) status notifications. A method includes detecting a signal near an ATM, determining that the signal is indicative of the ATM being comprised, calculating a compromise score based at least on the determination that the signal is indicative of the ATM being compromised, and displaying an image on a user interface of the user device in a manner that reflects the compromise score.

Abstract: Tandem transactions facilitated through automatic application of a tandem transaction limit are provided. A system includes a group manager that identifies a group including respective identifications indicative of a first user and a second user. A transaction limit manager establishes a first transaction limit for the first user, a second transaction limit for the second user, and a third transaction limit for a combination of the first and second user. A transaction manager dynamically applies the third transaction limit based on a determination that the first and second user are performing a joint transaction. The transaction manager revokes the third transaction limit after a threshold time and applies the first transaction limit to first user transactions and the second transaction limit to second user transactions. Incentives are provided if a user remains at a location for a threshold amount of time or causes other users to visit the location.

Abstract: An example method for estimating an emotion based upon a facial expression of a user can include: receiving one or more captured facial expressions from the user at a visual computing device; comparing the one or more captured facial expressions to one or more known facial expressions; and assigning an emotion to the plurality of captured facial expressions based upon the comparing.

Abstract: Systems and methods for interrupting disclosure of sensitive information are described. Sensitive information data associated with a user is maintained. A primary device detects commencement of a voice input to a secondary device. As the voice input is detected by the primary device, the voice input is analyzed to determine the content of the voice input. The content is compared to the sensitive information data to determine whether the voice input contains sensitive information. When the primary device determines the voice input contains sensitive information, a speaker of the primary device is controlled to generate a noise canceling signal which interrupts receipt of further sensitive information by the secondary device.

Abstract: Systems and methods for predicting and making payments via preferred payment methods include determining an amount that a payer owes a payee, predicting a preferred funds transfer method of the payee, providing a notification to a payee device associated with the payee, receiving a user input from the payee device indicating an agreement with the preferred funds transfer method, and initiating, in response to the user input, a funds transfer from a source account of the payer to the payee. Predicting a preferred funds transfer method of the payee can include performing data analytics on at least one data source associated with the payee, such as a smart digital wallet, a social network account, a smart appliance, a financial account, a financial transaction, a shopping list, and a geographic location, etc. In some embodiments, predicting a preferred funds transfer method of the payee includes rerouting the payment to downstream payees.

Abstract: Disclosed herein are systems and methods for executing a transaction via a locker. A seller is provided initial access to the locker to deposit a good in the locker. The seller deposits the good in the locker. Following the seller depositing the good in the locker, the seller's access is revoked, and the buyer is provided access to the locker. The buyer may then arrive at the locker and provide authentication information to an authentication device. When the buyer is authenticated, the locker door (with the good inside the locker) is unlocked. The buyer can then inspect and accept the good. When the good is accepted, funds may be transferred from an account associated with the buyer to an account associated with the seller.

Abstract: A user device includes a touchscreen, a camera, and a client application. The client application is structured to provide a first view of a first user through a first camera input of the camera device, a first user image displayed on the display, provide a second view of a second user through a second camera input of the camera device, a second user image displayed on the display, receive a transaction amount, detect a slide of a user input member from the first user image to the second user image displayed on the touchscreen, and in response to detecting the slide of the user input member from the first user image to the second user image on the touchscreen, initiate a transfer of funds from a first user account associated with the first user to a second user account associated with the second user equal to the transaction amount.

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 financial institution computing system associated with a financial institution includes a network interface configured to communicate data over a network, and a processing circuit comprising a memory and a processor. The memory has instructions stored thereon that cause the processor to receive, by the network interface, a content request from a user computing device associated with a user, the content request requesting content from a network destination, determine if the network destination is associated with a trusted entity, determine that the requested content prompts the user to input sensitive information, and transmit, by the network interface substitution content to the user computing device responsive to determining that the network destination is illegitimate and to determining that the requested content includes at least one field into which the user may input sensitive information, the substitution content including at least one prompt requesting the user to input sensitive information.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for facilitating contactless and socially distant payments. The methods further correspond to receiving, in real-time, image data representative of at least a portion of a user body, the user body tracked by a contactless human to device interface system. The methods further include causing to display, by the contactless human to device interface system, a graphical user interface that permits the user to generate a new control event to map to the image data based, at least in part on a determination that the image data is not associated with a control event, generating an updated user expression map that identifies a mapping of the image data to the new control event, and storing the updated user expression map for access by the contactless human to device interface system.

Abstract: A method implemented on a visual computing device to authenticate one or more users includes receiving a first three-dimensional pattern from a user. The first three-dimensional pattern is sent to a server computer. At a time of user authentication, a second three-dimensional pattern is received from the user. The second three-dimensional pattern is sent to the server computer. An indication is received from the server computer as to whether the first three-dimensional pattern matches the second three-dimensional pattern within a margin of error. When the first three-dimensional pattern matches the second three-dimensional pattern within the margin of error, the user is authenticated at the server computer. When the first three-dimensional pattern does not match the second three-dimensional pattern within the margin of error, user is prevented from being authenticated at the server computer.

Abstract: Various embodiments, relate to a system of lockers including a plurality of tracks and a plurality of walls. At least two of the plurality of walls slidably coupled to at least two of the plurality of tracks. Four of the plurality of walls form four sides of a locker cavity. The system also includes a plurality of doors. Each of the plurality of doors are oriented perpendicular to the plurality of the walls. A first door of the plurality of doors is coupleable to a second door of the plurality of doors so as to form a third door, and at least one of the plurality of doors form one side of the locker cavity. The system also includes a back wall, which forms one side of the locker cavity. The system further includes a lock for securing positions of the plurality of walls and of the plurality of doors.

Abstract: An example computing device is programmed to: (a) detect an attempt to secondarily access a user account, the user account being involved in an ongoing primary financial session with a primary device; (b) raise the level of authentication required to secondarily access the user account beyond that which was required to access the account for the primary financial session; (c) when successful authentication at the raised level is achieved, permit secondary access to the user account through a secondary financial session and compare one or more user activities occurring during the secondary financial session to a plurality of fraud profiles; and (d) indicate fraud when comparison of the user activity is consistent with one or more of the plurality of fraud profiles.

Abstract: Systems and methods relating to a lockbox bank for currency drop-offs are provided. A lockbox bank includes one or more lockboxes, a safe coupled to the one or more lockboxes, and a terminal of a lockbox computing system. Each lockbox includes a receptacle configured to receive a currency drop-off and a locking mechanism. The terminal includes a network interface, a display device, one or more input/output devices, and a processing circuit including a processor and a memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive a request from the customer to use a lockbox for a currency drop-off, receive access credentials, verify the access credentials, in response to successful verification, grant the customer access to a lockbox, and in response to determining that the drop-off has been completed, move the drop-off from the receptacle to the safe.

Abstract: A method for managing a communication session includes receiving a request to perform a task. The task is divided into one or more steps. One or more user devices are identified that can be used to perform one or more of the steps. One or more communication channels are identified that are available to the one or more user devices. The communication session is permitted to switch from one or more of the user devices and communication channels to complete the one or more steps of the task while maintaining a continuity of the communication session.

Abstract: A system includes a plurality of portable lockers. Each of the portable lockers includes a lockable compartment configured to contain contents. The system also includes a docking station that includes a vault configured to secure the plurality of portable lockers, a user input device configured to receive a request from a user to take a first portable locker of the plurality of portable lockers, a biometrics sensor configured to collect a biometric from the user, and a processing circuit. The processing circuit is configured to determine, based on the biometric, whether the user has permission to take the first portable locker and control the vault to release the first portable locker to the user in response to a determination that the user has permission to take the first portable locker.

Abstract: This disclosure describes methods and systems for viewing a collection of media objects, such as a video clip and associated responses (video, audio and text), in a seamless way. Provided with a media object and a series of responses and counter responses, a real time media combining methodology is coupled with a text and audio conversion process to generate a media stream, or downloadable media object, that contains the original media object and some or all of the associated responses. The media content is formatted into the stream so that ancillary content, like text associated with a particular video response, may also be displayed. Advertisements may be inserted into the stream between responses or overlaying some portion of the viewing area during rendering of the stream.

Abstract: A method implemented on a visual computing device to authenticate one or more users includes receiving a first three-dimensional pattern from a user. The first three-dimensional pattern is sent to a server computer. At a time of user authentication, a second three-dimensional pattern is received from the user. The second three-dimensional pattern is sent to the server computer. An indication is received from the server computer as to whether the first three-dimensional pattern matches the second three-dimensional pattern within a margin of error. When the first three-dimensional pattern matches the second three-dimensional pattern within the margin of error, the user is authenticated at the server computer. When the first three-dimensional pattern does not match the second three-dimensional pattern within the margin of error, user is prevented from being authenticated at the server computer.

Abstract: A method implemented on an augmented reality (AR) device includes accessing a user's investment strategy and selecting a material object. The material object and investment controls are displayed on a display screen of the AR device. The user alters the investment strategy using the investment controls. Alternative replacement objects are generated based on changes that the user makes to his or her investment strategy. One or more replacement objects are projected onto the display to represent an alternative material object that the user can afford based on the changed investment strategy.