Abstract: Described are methods and apparatuses, including computer program products, for personalizing video content. A server receives a request for a digital video stream from a client device and generates a first set of personalized frames to be inserted into the requested digital video stream. The server combines the first set of personalized frames and the requested digital video stream to generate a personalized video stream and transmits the personalized video stream to a downstream device. The downstream device generates a second set of personalized frames to be inserted into the personalized video stream and combines the second set of personalized frames and the personalized video stream to generate an updated personalized video stream for transmission to the client device.

Abstract: Described are methods and apparatuses, including computer program products, for inserting personalized information into digital content. A digital media player receives a personalized video content stream comprising personalized data associated with a user that replaces one or more frames of requested video content. The player extracts the personalized data from the one or more replaced frames of the video content stream, and displays the personalized data and the video content stream to a user.

Abstract: Methods and apparatuses are described for secure video conferencing. A server computing device receives a request to establish a video conference for a sensitive transaction from a first device associated with a user. The server authenticates the first device. The server establishes a conference between the first device and a second device of a second party to the sensitive transaction. The server transmits video images associated with cameras coupled to the first device to the second device, the images comprising a view of the user and an area surrounding the user. The server determines whether persons other than the user are present in the area surrounding the user. The server transmits an alert to the second device if persons other than the user are present, where the alert includes a prompt on the second device for the second party to confirm with the user whether the other persons are authorized.

Abstract: Described are methods and apparatuses, including computer program products, for inserting personalized information into digital content. A digital media player receives a personalized video content stream comprising personalized data associated with a user that replaces one or more frames of requested video content. The player extracts the personalized data from the one or more replaced frames of the video content stream, and displays the personalized data and the video content stream to a user.

Abstract: A computer-implemented method comprising: receiving, from a device used by a user, a request to access a resource hosted by a computer system; identifying, by the computer system, a level of risk associated with the user requesting access to the resource; adjusting, by the computer system an authentication standard for access to the resource, adjusting based on the identified level of risk; determining values for authentication factors used in authenticating the user's access to the resource; applying weights to the values for the authentication factors; and determining, based on a comparison of the weighted values to the adjusted authentication standard, whether the user is authorized to access the resource.

Abstract: Methods and apparatuses, including computer program products, are described for secure video conferencing to conduct financial transactions. A server computing device receives a request to establish a video conference from a first client device associated with a user of the first client device. The server computing device authenticates the first client device using credential information. The server computing device establishes a video conference between the first client device and a second client device associated with a customer representative of a financial institution. The server computing device transmits video images associated with one or more cameras coupled to the first client device to the second client device, the video images comprising a view of the user and an area surrounding the user. The server computing device determines whether any persons other than the user are present in the area surrounding the user.

Abstract: Methods and apparatuses, including computer program products, are described for authentication using a video signature. A computing device receives a request to access a secure resource, and the request includes a first video segment comprising a plurality of visual and audio elements. The computing device analyzes one or more of the plurality of visual and audio elements in the first video segment to determine a value associated with each of the one or more analyzed elements. The computing device calculates a total score for the first video segment based upon the value associated with each of the one or more analyzed elements. The computing device compares the total score for the first video segment to a score associated with a second video segment associated with the computing device. The computing device determines whether access to the secure resource is permitted based upon the comparison step.

Abstract: Methods and apparatuses, including computer program products, are described for communication session transfer between a plurality of computing devices. A first computing device detects a presence of a second computing device in proximity to the first device, where the first device has established a first communication session with a remote computing device. The first device establishes a wireless connection to the second device. A first token is transmitted to the second device. A second token is received from the second device. The second token is authenticated via comparison to the first token. The first device transmits, to the second device, information indicating a state of the first communication session to enable the second device to establish a second communication session with the remote device, where the second communication session is established using the state of the first communication session.

Abstract: A computer-implemented method is provided for opening an expedited account for a user. The method includes receiving a request from the user to make a trade associated with at least one financial instrument, in the absence of an account being opened for the user. The method includes determining a plurality of factors in response to the request, the plurality of factors including 1) a credit worthiness score of the user; 2) a source of capital identified by the user to cover the trade; and 3) a type of the at least one financial instrument associated with the trade. The method also includes opening the expedited account for the user with limited trading privileges, in which an amount of fund for trading is advanced to the user based on the plurality of factors. The method further includes allowing the user to make a trade up to the amount of fund advanced.

Abstract: A computer-implemented method comprising: receiving, from a device used by a user, a request to access a resource hosted by a computer system; identifying, by the computer system, a level of risk associated with the user requesting access to the resource; adjusting, by the computer system an authentication standard for access to the resource, adjusting based on the identified level of risk; determining values for authentication factors used in authenticating the user's access to the resource; applying weights to the values for the authentication factors; and determining, based on a comparison of the weighted values to the adjusted authentication standard, whether the user is authorized to access the resource.

Abstract: Methods and apparatuses, including computer program products, are described for communication session transfer between a plurality of computing devices. A first computing device detects the presence of a second computing device in proximity to the first computing device, where the first computing device has established a first communication session with a remote computing device. The first computing device establishes a wireless connection to the second computing device. The first computing device receives, from the second computing device, information associated with the first communication session. The first computing device establishes a second communication session with the remote computing device using the received information, where the second communication session is established with the same state as the first communication session.

Abstract: A computer-implemented method comprising: receiving, from a device used by a user, a request to access a resource hosted by a computer system; identifying, by the computer system, a level of risk associated with the user requesting access to the resource; adjusting, by the computer system an authentication standard for access to the resource, adjusting based on the identified level of risk; determining values for authentication factors used in authenticating the user's access to the resource; applying weights to the values for the authentication factors; and determining, based on a comparison of the weighted values to the adjusted authentication standard, whether the user is authorized to access the resource.

Abstract: A computer-implemented method comprising: receiving, from a device used by a user, a request to access a resource hosted by a computer system; identifying, by the computer system, a level of risk associated with the user requesting access to the resource; adjusting, by the computer system an authentication standard for access to the resource, adjusting based on the identified level of risk; determining values for authentication factors used in authenticating the user's access to the resource; applying weights to the values for the authentication factors; and determining, based on a comparison of the weighted values to the adjusted authentication standard, whether the user is authorized to access the resource.

Abstract: Methods and apparatuses, including computer program products, are described for communication session transfer between a plurality of computing devices. A first computing device detects the presence of a second computing device in proximity to the first computing device, where the first computing device has established a first communication session with a remote computing device. The first computing device establishes a wireless connection to the second computing device. The first computing device receives, from the second computing device, information associated with the first communication session. The first computing device establishes a second communication session with the remote computing device using the received information, where the second communication session is established with the same state as the first communication session.

Abstract: A computer-implemented method comprising: receiving, from a device used by a user, a request to access a resource hosted by a computer system; identifying, by the computer system, a level of risk associated with the user requesting access to the resource; adjusting, by the computer system an authentication standard for access to the resource, adjusting based on the identified level of risk; determining values for authentication factors used in authenticating the user's access to the resource; applying weights to the values for the authentication factors; and determining, based on a comparison of the weighted values to the adjusted authentication standard, whether the user is authorized to access the resource.

Abstract: Described are methods and apparatuses, including computer program products, for inserting personalized information into digital content. A request for digital video content is received by a computing device. The request includes authentication data associated with a user of a client device. Personalized data to be inserted into the requested video content is generated by the computing device. The personalized data and the requested video content are combined by the computing device. The combining includes replacing one or more frames of the requested video content with the personalized data to generate personalized video content.

Abstract: Described are methods and apparatuses, including computer program products, for inserting personalized information into digital content. A digital media player receives a personalized video content stream comprising personalized data associated with a user that replaces one or more frames of requested video content. The player extracts the personalized data from the one or more replaced frames of the video content stream, and displays the personalized data and the video content stream to a user.

Abstract: Described are methods and apparatuses, including computer program products, for tracking patterns associated with mobile devices. The system includes a server computing device configured to receive location information from a mobile device associated with a user. The location information includes location information based on GPS information sent from the mobile device. One or more activity patterns associated with the user of the mobile device are generated by the server computing device. The generating includes tracking the location information over a period of time and determining one or more categories of repeated activity based on the tracking.

Abstract: Described are methods and apparatuses, including computer program products, for location-based address determination and real estate valuation. Current location information from a mobile device is received by a server computing device. The location information includes global positioning data associated with the mobile device and photographic data associated with one or more photos taken by the mobile device and associated with the location. A street address based on the location information is determined by the server computing device. The photographic data is processed in associated with the global positioning data, wherein the photographic data is used to determine the street address. Financial data associated with the street address is received.

Abstract: products, for inserting personalized information into digital content. A request for digital video content is received by a computing device. The request includes authentication data associated with a user of a client device. Personalized data to be inserted into the requested video content is generated by the computing device. The personalized data and the requested video content are combined by the computing device. The combining includes replacing one or more frames of the requested video content with the personalized data to generate personalized video content.