Abstract: A financial institution computing system may include a steward database and a steward designation circuit. The steward database may store information of a steward of a customer. The information may include interaction information of the steward, which may include information indicative of interactions of the steward with other individuals. The steward designation circuit may determine whether an individual of the other individuals qualifies as a new steward of the customer based on the interaction information of the steward in the steward database. The steward designation circuit may designate the individual as a new steward of the customer in response to determining that the individual qualifies as a new steward of the customer.

Abstract: A financial institution computing system includes an account database configured to store a plurality of transaction statistics with respect to a financial account of a customer, a social media database configured to store a plurality of social media activities of the customer, and a customer metric management circuit. At least one of the plurality of transaction statistics is indicative of a first transaction between the customer and a merchant. The customer metric management circuit is configured to determine a probability model of the customer based on the plurality of transaction statistics and the plurality of social media activities of the customer. The probability model indicates a probability that the customer will conduct a second transaction with the merchant in the future. The customer metric management circuit is further configured to provide the probability model of the customer to a device associated with the merchant.

Abstract: A method implemented on an electronic computing device for arranging activities for one or more individuals using an autonomous vehicle (AV) includes receiving a request from a first individual for the AV. An action is initiated to provide the AV to the first individual. One or more activities are provided for the first individual to perform during a trip using the AV. A detection is made as to when the first individual completes one of the one or more activities. A cost of the trip is adjusted based on a completion of the one of the one or more activities.

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: A method for mitigating financial risk of a financial institution for military personnel who are customers of the financial institution includes obtaining the deployment status of a person in the military, the person being a customer of the financial institution. The electronic computing device automatically determines when the deployment status has changed to a deployed status. When a determination is made that the deployment status has changed to the deployed status, one or more procedures are implemented to minimize the financial risk of the financial institution while the person is on deployment.

Abstract: A computer-implemented method for collaboratively purchasing an item. The method includes receiving a collaborative purchase request from a user at a collaborative purchasing computing system. The collaborative purchase request includes at least one of a purchase type, a purchase item, and a purchase goal. The method includes analyzing the collaborative purchase request to identify other users associated with the collaborative purchasing computing system that have indicated a desire to participate in a collaborative purchase request similar to the received collaborative purchase request. The method includes transmitting a collaborative purchase offer to the identified users. The method further includes receiving one or more collaborative purchase offer acceptances from one or more of the identified users, and providing details required to complete the collaborative purchase request to the user and the one or more identified users that accepted the collaborative purchase offer.

Abstract: Examples described herein relate to apparatuses and methods of providing automated teller machine (ATM) status notifications using augmented reality. A method includes capturing, by a user device, an image of the ATM, determining a probability that the ATM has been compromised, augmenting the image of the ATM in a manner which reflects the probability that the image has been compromised, and displaying the augmented image on a user interface of the user device.

Abstract: A computing system includes one or more processors and one or more computer-readable storage media having instructions stored thereon that, when executed by the one or more processors, causes the one or more processors to receive a pending purchase order from a user device in response to a selection of an interactive element presented on a payment page of an online store via the user device, the pending purchase order corresponding to a purchase of a good or service from the online store and including payment information, store the payment information in an escrow database for a window of time, generate a notification corresponding to the pending purchase order, the notification including information corresponding to the good or service and excluding the payment information, and transmit the notification to a merchant system associated with the online store to reserve the good or service during pendency of the window of time.

Abstract: Systems and methods provide for usage based insurance. The insurance system can apply rental insurance based on realtime operational parameters and on a usage history of the renter so that the insurance being applied to the rental period accurately reflects the risks and costs of the device usage. Realtime operational parameters of the device can be obtained from an electronic control unit on the device. The operational parameters can include information about how the vehicle is being operated and whether or not the device is being used in an autonomous or semi-autonomous operating mode. The usage history can include prior operational parameters from previous rental periods, traffic and other regulatory violations, and other relevant information associated with the user. The usage based insurance can apply to the entire rental period, or to portions of the rental period.

Abstract: Systems and methods for mutual authentication of a user and a container administrator computer system. A container administrator computer system receives a request from a mobile computing device for a user to access a secure container. The request includes a user identifier. The administrator system receives a first authentication factor corresponding to the user. The administrator system authenticates the user by verifying that the first authentication factor matches a first reference authentication factor associated with the user identifier. The administrator system sends a second authentication factor associated with the administrator system to a human-machine interface associated with the secure container or the mobile computing device. The administrator system receives a notification of authentication of the administrator system using the authentication factor. The administrator system transmits an unlock signal to unlock the secure container.

Abstract: A method for determining a value of an item includes receiving an image of a first item captured as a result of focusing an augmented reality (AR) device on the first item. The image of the first item is compared with images of one or more second items from a database. An image of one of the second items is identified that closely corresponds to the image of the first item. Metadata is obtained for the one of the second items. Using the metadata, value information is obtained for the first item. The value information is permitted to be displayed on the AR device.

Abstract: Systems and methods for facilitating finance by monitoring behavior of users indicative of behavioral patterns or deviations from behavioral patterns and inviting users to make financial changes that may be appropriate based on the monitored behavior. In some embodiments, a minimum amount of relevant data must be collected to support the existence of a behavioral pattern or deviation before a user is invited to make appropriate changes to their finances.

Abstract: A system and method for Context Enhanced Mapping. A request is received from a user over a network for a map comprising an identification of a physical location, and at least one criteria. The physical location is mapped. Spatial, temporal, topical, and social data available to the network relating to the physical location and criteria is retrieved using a global index of data available to the network and prioritized for inclusion based upon the user and context of the request. The map of the physical location and at least some of the retrieved spatial, temporal, topical, and social data is displayed on a display medium.

Abstract: A computer implemented method for filtering information delivered via a social media service. The method includes receiving social media data from the social media service at a social media computing system and analyzing the received social media data. Analyzing the received social media data comprises categorizing content within the received social media data as one or more of restricted content elements and unrestricted content elements. The restricted content elements and the unrestricted content elements are determined based on one or more predetermined parameters associated with a user profile. The method further including transmitting the unrestricted content elements to a user device.

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 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.

Abstract: A system and method for Context Enhanced Mapping. A request is received from a user over a network for a map comprising an identification of a physical location, and at least one criteria. The physical location is mapped. Spatial, temporal, topical, and social data available to the network relating to the physical location and criteria is retrieved using a global index of data available to the network and prioritized for inclusion based upon the user and context of the request. The map of the physical location and at least some of the retrieved spatial, temporal, topical, and social data is displayed on a display medium.

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: The validity of a mail item containing a monetary solicitation is determined. An image is received of the mail item and the image is analyzed to identify a plurality of data fields within the mail item. The validity or invalidity of the data within each of the plurality of identified data fields is then established, and a user-interactive image overlay is generated for the image of the mail item that includes a validity indicator for each of the plurality of identified data fields. The validity indicator is representative of the validity or invalidity of the data within each of the identified plurality of data fields. The user-interactive image overlay is sent to a user device to display the image of the mail item.

Abstract: A financial institution computing system includes a network circuit enabling the financial institution computing system to exchange information over a network, a customer database storing information for a customer including habit information of the customer and a customer indicator of the customer, and a transaction circuit. The transaction circuit receives, over the network via the network circuit, a first transaction request including the customer indicator. The transaction circuit authenticates the first transaction request by determining that a characteristic of the first transaction request conforms with the habit information of the customer associated with the customer indicator, and authorizes the first transaction request based on the first transaction request being authenticated.