Abstract: A network security computing system includes a network circuit enabling the network security system to exchange information over a network, a user database configured to store network security information for a plurality of users, and a network security circuit. The network security circuit is configured to receive a request to connect to a local network from a user computing device associated with a user, receive first authentication data comprising an alphanumeric passkey, receive second authentication data related to a user performing a physical action, authenticate the request by comparing the first and second authentication data with verified passkey data stored in the user database and determining that the alphanumeric passkey corresponds to a predetermined alphanumeric passkey and that the physical action corresponds to a predetermined physical action, and authorize connection of the user computing device to the local network based at least in part on the request being authenticated.

Abstract: In an example, a method includes determining, by a computing device, a proximity of a user to a point of interest. The method also includes determining, by the computing device, a fee to the user based on the proximity of the user to the point of interest, where the fee varies based on the proximity of the user to the point of interest. The method also includes initiating, by the computing device, an electronic transaction based on the fee.

Abstract: Systems and methods for completing a permissioned payment are described herein. The system includes a network interface structured to facilitate data communication via a network, an accounts database structured to store information associated with one or more accounts held by a financial institution, including a payment account associated with a customer and a customer identifier, and a processing circuit.

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: 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 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: 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: A computing system includes one or more processors and one or more computer-readable storage media communicatively connected to the one or more processors and having instructions stored thereon that, when executed, causes the one or more processors to analyze a plurality of electronic payment transactions from an account associated with a user to identify payments to a merchant on a recurring basis, receive external data associated with the user corresponding to usage of a good or service provided by the merchant, analyze the external data to identify disuse of the good or service, generate a recommended action based on the disuse, present the recommended action on an interactive display on a user device associated with the user, and change a subscription associated with the good or service corresponding to the recommended action.

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 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: Purchasing, maintaining, and deriving revenue from mobile autonomous units is facilitated by providing a mobile autonomous unit marketplace in which equity shares in mobile autonomous units can be bought, sold and traded. Valuation of mobile autonomous units within the marketplace can be a function of a variety of factors such as the mobile autonomous unit's primary geographic region, and the number, diversity, and time management of revenue streams available to the mobile autonomous units.

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 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: 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 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: 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: Customization of sharing of rides can involve the grouping of passengers in vehicles according to objective and subjective parameters and preferences. In some embodiments, vehicles or other components of the system are equipped to identify and compare information about users of the system using biometric scanning. In some embodiments, fares for rideshares can be tied to a projected quality or desirability of the rideshare for a user or users of the system.

Abstract: Systems and methods for facilitating transactions include determining an amount of funds that a payer owes a payee, determining a first payment offer that is for the amount of funds that the payer owes the payee and a first target payment date, providing the first payment offer to the payee, receiving a user input from a payee device, generating a second payment offer of an offered amount of funds and a second target payment date where the offered amount of funds is lower than the amount of funds that the payer owes the payee and the second target payment date is prior to the first target payment date, providing a notification to the payee, receiving a user input from the payee device, and initiating an electronic funds transfer from a source account of the payer to a target account of the payee.

Abstract: Disclosed are methods and apparatus for implementing a reality overlay device. A reality overlay device captures information that is pertinent to physical surroundings with respect to a device, the information including at least one of visual information or audio information. The reality overlay device may transmit at least a portion of the captured information to a second device. For instance, the reality overlay device may transmit at least a portion of the captured information to a server via the Internet, where the server is capable of identifying an appropriate virtual billboard. The reality overlay device may then receive overlay information for use in generating a transparent overlay via the reality overlay device. The transparent overlay is then superimposed via the device using the overlay information, wherein the transparent overlay provides one or more transparent images that are pertinent to the physical surroundings.

Abstract: Presenting information on a computing device based on context is disclosed. A non-limiting example is a computing device or method for presenting information. The method determines contextual information associated with the computing device. The contextual information includes proximity information identifying electronic devices in proximity to the computing device The method also comprises receiving information to present to a user of the computing device. The method also includes formatting the received information based on the determined contextual information and presenting the formatted information.