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: Examples described herein relate to apparatuses and methods for a financial institution computing system of a financial institution to generate a financial indicator of a non-publically traded company. In some arrangements, the financial institution computing system receives from a user device associated with the user a request message indicating that the user is initiating the potential transaction with the non-publically traded company via the user device before a user enters into a transaction with the non-publically traded company. In addition, the financial institution computing system determines the financial indicator of the non-publically traded company based on transaction history of the non-publically traded company. Furthermore, the financial institution computing system transmits to the user device the financial indicator.

Abstract: A fraud analysis computing system is provided. The system includes a network interface configured to communicate data over a network and a processing circuit including one or more processors coupled to non-transitory memory. The processing circuit is configured to monitor incoming call data generated during an incoming call between a user and an incoming caller, detect a fraud trigger within the incoming call data, and complete a fraud interception activity in response to detection of the fraud trigger.

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: 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: A list of products that a user is pre-qualified to purchase is received at an augmented reality device from an electronic computing device. One or more virtual objects are received from the electronic computing device. Each of the virtual objects is associated with one of the products that the user is pre-qualified to purchase. An image is received of a view obtained via the augmented reality device. One or more positions are identified in the view in which to display one or more of the virtual objects. The virtual objects are displayed in the identified one or more positions on the image of the view. A selection is received of a virtual object of the one or more virtual objects. The virtual object is associated with a product that the user is pre-qualified to purchase. A purchase of the product is initiated.

Abstract: A method for using an autonomous vehicle includes receiving one or more user preferences for use of the autonomous vehicle. A destination is received for a trip using the autonomous vehicle. An arrival time is received for when the trip needs to be completed. A determination is made as to whether the user preferences includes a preference for physical activity for the trip. One or more routes are provided for the trip to the destination that permits the trip to be completed by the arrival time and that implements at least one of the user preferences. At least one of the routes comprises a hybrid route including one segment in which a physical activity selected by the user is suggested for traversing a distance of the one segment and another segment using the autonomous vehicle.

Abstract: A provider computing system includes a service recommendation database configured to retrievably store recommendation information, a network interface configured to communicate data over a network, and a processing circuit that includes a processor and memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive a first set of recommendation information derived from a first set of voice data received by a local voice assistant and store the first set of recommendation information in the services recommendation database. The processing circuit is further caused to receive a request to generate a recommendation from a user voice assistant, derived from a second set of voice data received by the user voice assistant. The processing circuit is also caused to access the first set of recommendation information in response to the request and transmit the recommendation to the user voice assistant.

Abstract: A computer-implemented method includes registering, by a mobile wallet computing system, a plurality of items to a master wallet held by a user, wherein the master wallet is associated with a mobile wallet on a user mobile device; registering one or more sub-wallets for the user, wherein each sub-wallet includes one or more of the items registered to the master wallet; and configuring one or more rules for each sub-wallet, wherein the one or more rules for a given sub-wallet define when the mobile wallet computing system provisions the given sub-wallet to the mobile wallet. The method also includes monitoring a context of the user; determining whether the one or more rules for each sub-wallet are fulfilled, based on the monitored context of the user; and in response to at least one rule associated with a predefined sub-wallet being fulfilled, provisioning the predefined sub-wallet to the mobile wallet.

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 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: A device, system, and method are directed towards facilitating composing, editing, and displaying a message that includes text and graphics inline. An edit window provides a mechanism for editing the text inline. The message, including text and graphics, may be sent to a remote device. The remote device may display the message, and edit the text and graphics inline, and send a reply message to the original sender.

Abstract: A financial institution computing system includes a network interface, a database storing transaction data of the user and financial data for a plurality of entities, and a processor. The processor receives location data of the mobile device the financial data for at least one of the entities, determines a financial risk of the user based on a comparison of the location of the mobile device with the location of the at least one entity and based on at least one of the financial data for the at least one entity and the transaction data of the user, generate a notification in response to the financial risk exceeding a financial risk threshold, and cause the notification to be transmitted to the mobile device. The notification indicates that the user is susceptible to a financial risk based on the location of the user with respect to the at least one entity.

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: 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: A device, system, and method are directed towards facilitating composing, editing, and displaying a message that includes text and graphics inline. An edit window provides a mechanism for editing the text inline. The message, including text and graphics, may be sent to a remote device. The remote device may display the message, and edit the text and graphics inline, and send a reply message to the original sender.

Abstract: A mail analysis system includes a mail receiving device structured to receive a piece of mail associated with a user and direct the piece of mail to an imaging area, a scanning device structured to capture a scanned image of the piece of mail in the imaging area, a mail sorting structured to contact the piece of user mail to send the mail in one of a predetermined number of directions, and a processing circuit. The processing circuit is caused to receive the scanned image captured by the scanning device, determine if the piece of mail proposes a transaction to the user, transmit information pertaining to the transaction to a financial institution computing system, receive, an indication of the legitimacy of the proposed transaction from the financial institution computing system, and transmit a control signal to the mail sorting device based on the legitimacy of the proposed transaction.

Abstract: A method for autonomous bill payment with automatic social overdraft protection includes pattern mining payment transaction information of a funds account. A future payment transaction is predicted for the funds account. The future payment transaction for the funds account is evaluated against a balance of the funds account to determine a shortfall amount. An automatic funds transfer is initiated from a social lender account to the funds account to cover the shortfall amount, the funds transfer comprising a socially-funded loan. The terms of the socially-funded loan are automatically determined. In some embodiments, a user is associated with a social lender account and is provided with a subscription notification. The subscription notification is structured to allow the user to opt into automatic social overdraft protection.

Abstract: In one or more embodiments, a method, system and computer program product provide automating performance of a pattern of financial transactions by analyzing a pattern of financial transactions performed by a human operator. A predictive model is developed for a response by the human operator to a future financial transaction opportunity based on the analyzed pattern of financial transactions. At least one of: (i) a sensor in proximity to the human operator and (ii) a communication channel used by the human operator is monitored to detect a triggering event. The triggering event indicates authorization for an automated response in lieu of the response by the human operator to the future financial transaction opportunity. The automated response is performed to complete the future financial transaction in response to the triggering event.