Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to create a social network group, receive a request for the user to join the social network group, receive financial information of the user. Based on the financial information of the user, determine the projected retirement score of the user. This system may additionally determine a projected group retirement score range for the social network group, determine that the projected retirement score of the user is within the projected group retirement score range for the social network group, create a group membership for the user to join the social network group based on determining the projected retirement score of the user is within the projected group retirement score range for the social network group.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to compile projected retirement information of a first user, wherein the retirement information comprises a user profile of the first user. Based on the user profile of the first user, the system generates a projected retirement score. After generating the projected retirement score, the system receives a request to link a user profile for a second user to the user profile of the first user. The system projected retirement information of the second user and combines the projected retirement information of the first user with the projected retirement information of the second user, thus resulting in combined projected retirement information. Using both the projected retirement information, the system updates the projected retirement score.

Abstract: Systems and computer-readable media are disclosed for utilizing one or more data sources to generate a set of operations. First data may be received from a first data source and second data may be received from a second data source. The first data and second data may be processed by conversion engines to generate a first set of common data and a second set of common data. These sets of common data may be locally stored. A processing engine may analyze these sets of common data to detect one or more predefined events. A set of operations associated with the detected predefined events may be generated. The set of operations may be transmitted to a user device.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products utilizing a generated retirement score for use qualification and authorization to receive benefits. In this way, the invention calculates a retirement score for the user indicating the user's preparedness for retirement at a future predetermined date, wherein the future predetermined date is selected by the user. In response, the system displays the retirement score on a retirement planning interface on a user device. Subsequently, the invention parses out the component parts of the retirement score, distributes the parsed scores within the entity to determine benefits available to the user. These benefits may be provide via the planning interface. Finally, the retirement score may be combined with financial assessment scores and provided to third parties for product approval and implementation for user.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for implementing a dynamic state-dependent resource reconfiguration, such as the reconfiguration of resources and assets that may occur with a relationship between a first user and a second user is terminated. Example embodiments include incorporating into the resource reconfiguration aspects of prior user agreements and simulating the expected outcome of the dynamic state-dependent resource reconfiguration.

Abstract: Embodiments of the invention comprise systems, computer program products, and methods for an interactive mapping system. The system provides improved tracking and management related to activity resource requirements in a time/geographic locational relationship. The system captures activity information and images and identifies relationship resource requirements for the activity. The system generates an interactive mapping system for user experience augmentation.

Abstract: An augmented reality system that includes an augmented reality user device. The augmented reality user device includes display for overlaying virtual objects onto tangible objects in a real scene. The augmented reality user device includes a processor implementing a virtual assessment engine and a virtual overlay engine. The virtual assessment engine identifies a user identifier for the user and generates a target profile based on information from a user. The virtual assessment engine generates a token that includes the user identifier and the target profile and sends the token to a remote server and receives information for the user from the server. The virtual overlay engine presents the information as virtual objects overlaid with the real scene.

Abstract: An augmented reality system that includes an augmented reality user device. The augmented reality user device includes display for overlaying virtual objects onto tangible objects in a real scene, a camera, and a global position system sensor. The augmented reality user device includes a processor implementing an object recognition engine, a virtual assessment engine, and a virtual overlay engine. The object recognition engine identifies features of a property. The virtual assessment engine generates a property profile based on the identified features and alternative features. The virtual assessment engine identifies the property based on the geographic location of the user. The virtual assessment engine generates a property token that includes the property profile and the location identifier. The virtual assessment engine sends the property token to a server and receives information related to the property.

Abstract: An augmented reality system that includes an augmented reality user device. The augmented reality user device includes display for overlaying virtual objects onto tangible objects in a real scene and a global position system sensor. The augmented reality user device includes a processor implementing a virtual assessment engine and a virtual overlay engine. The virtual assessment engine authenticates the user, identifies a user identifier for the user, and identifies the property based on the geographic location of the user. The virtual assessment engine generates a property token that includes the user identifier, user history data, and the location identifier. The virtual assessment engine sends the property token to a remote server and receives information related to the property from the server. The virtual assessment engine generates a map based on the received information and presents the map as a virtual object overlaid with the real scene.

Abstract: An augmented reality system that includes an augmented reality user device. The augmented reality user device includes display for overlaying virtual objects onto tangible objects in a real scene, a camera, and a global position system sensor. The augmented reality user device includes a processor implementing an object recognition engine, a virtual assessment engine, and a virtual overlay engine. The object recognition engine identifies features of a property from an image. The virtual assessment engine authenticates the user, identifies a user identifier for the user, and identifies the property based on the geographic location of the user. The virtual assessment engine captures an image and performs object recognition on the image to identify features of the property. The virtual assessment engine sends a property token to a remote server, receives information related to the property from the server, and presents the information as virtual objects overlaid with the real scene.

Abstract: An augmented reality system that includes an augmented reality user device. The augmented reality user device includes a display for overlaying virtual objects onto objects in a real scene, a camera, and a global position system sensor. The augmented reality user device includes a processor implementing an object recognition engine, a virtual assessment engine, and a virtual overlay engine. The object recognition engine identifies tangible products from an image. The virtual assessment engine authenticates the user, identifies a user identifier for the user, and identifies a vendor based on the geographic location of the user. The virtual assessment engine captures an image and performs object recognition on the image to identify products in a cart. The virtual assessment engine sends a token to a remote server, receives available offers for the user from the server, and presents the available offers as virtual objects overlaid with the products in the cart.

Abstract: An augmented reality system that includes an augmented reality user device. The augmented reality user device includes a display for overlaying virtual objects onto objects in a real scene, a camera, and a global position system sensor. The augmented reality user device includes a processor implementing an object recognition engine, a virtual assessment engine, and a virtual overlay engine. The object recognition engine identifies a business from an image. The virtual assessment engine authenticates the user and identifies a user identifier for the user. The virtual assessment engine captures an image, performs object recognition on the image to identify the business, and generates a location identifier identifying the business. The virtual assessment engine sends a token with the user identifier and the location identifier to a remote server, receives geolocation notifications for the user from the server, and presents the geolocation notifications as virtual objects overlaid with a real scene.

Abstract: An augmented reality system that includes an augmented reality user device. The augmented reality user device includes a display for overlaying virtual objects onto objects in a real scene, a camera, and a global position system sensor. The augmented reality user device includes a processor implementing an object recognition engine, a virtual assessment engine, and a virtual overlay engine. The object recognition engine identifies tangible products from an image. The virtual assessment engine authenticates the user, identifies a user identifier for the user, and identifies a vendor based on the geographic location of the user. The virtual assessment engine captures an image and performs object recognition on the image to identify products in a cart. The virtual assessment engine sends a token to a remote server, receives new account offers for the user from the server, and presents the offers as virtual objects overlaid with the products in the cart.

Abstract: An augmented reality user device includes a display, a physical identification verification engine, a gesture confirmation engine, and in interface. The display overlays a virtual file document onto a tangible object. The physical identification verification engine receives biometric data for a witness and confirms the witness's identity. The display displays a gesture motion from the signor. The gesture capture engine captures a gesture motion from the witness. The gesture capture engine generates a witness digital signature based on the captured gesture motion from the witness. The gesture capture engine generates a witness transfer token, the witness transfer token comprising the witness digital signature based on the captured gesture from the witness and the witness identity confirmation token. The interface communicates the witness transfer token to a server.

Abstract: Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, location determination devices, and the like, and associates the activity information and images with the activities. The financial and social management system may display the activities, activity information, and images in an interactive map using markers. The markers in the interactive may be displayed as a function of the time of the activity, include images, or transaction data related to the activity. Positioning information related to the location of the user at the time of the activities may also be overlaid on the interactive map.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for location disbursement coordination. The invention generates a database integration with communication linkages for disbursement coordination for travel or relocation. Furthermore, the system identifying the travel or relocation requirements of a user and other individuals associated with the travel or relocation and the logistics for the same. The system identifies and stores contact information for third parties performing the requirements of the logistics. Furthermore, the invention communicates with the third parties for completion of disbursement coordination for logistics of the travel or relocation. The invention generates an interactive real-time coordination calendar system for storage and display on a mobile device and parses tasks associated with the travel or relocation and communicate the tasks to the user or the other individuals via the interactive real-time coordination calendar system.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for identifying and generating actionable notifications for user coordination. The invention establishes a communication link to one or more user devices over a distributed network in order to continuously monitor and extract user information such as financial data, device data, calendar data, and social data. In this way, the invention may identify social and financial user trends as well as scheduled events such as meetings, appointments, deadlines, and the like. The invention transmits actionable notifications to the user device allowing the invention to act upon the user response. Additionally, the invention may communicate with third party systems to offer third party products and services to the user.

Abstract: Embodiments analyze historical events to determine potential catalysts and automatically generate and implement mitigation of issues by determining a potential issue with a customer's finances based on historical event data; correlating the potential issue with one or more causes of the potential issue; and, in response to the correlation, initiating mitigation of the issue. In some cases, embodiments rank the possible causes of the potential issue; and present the possible causes to the customer for consideration. In some cases, embodiments receive the customer's confirmation of the possible causes. In some cases, embodiments initiate communication of one or more recommendations for mitigating the potential issue to the customer, receive the customer's approval of at least one recommendation; and initiate mitigation of the issue based on the at least one approved recommendation.

Abstract: In response to receiving a request from a user to initiate a new resource pool, a determination of a purpose of the new resource pool is made. The system may receive the purpose of the resource pool from the user and thereafter access user data regarding types of resource pools owned by the user and other users and the allocation of resources therein. The system identifies suggested resource pools and/or resource pool allocations to present to the user at the time the user initiates the new resource pool. The systems may receive a selected resource pool from the user, and begin initiate the new resource pool. Determining the purpose of the new resource pool, and allocations therefor at the time the resource pool is initiated, improves processing since the processors open the desired resource pool and allocate resources at the time of initiating the new resource pool.

Abstract: Systems, computer program products, and methods are described herein for resource allocation at time of use and conservation of unused portion across a dispersed Internet protocol capable network connecting one or more computing devices connected to the dispersed network. The present invention is configured to provide an resource monitoring application for installation on a computing device associated with a user; retrieve information associated with a resource allocation profile associated with the user; continuously monitor the resource allocation profile of the user; determine one or more unused portions associated with the resource allocation profile based on at least continuously monitoring the resource utilization profile of the user; generate a recommendation alert, wherein the recommendation alert comprises a recommendation to reallocate the one or more unused portions to one or more alternate processes; transmit the generated recommendation alert to the computing device associated with the user.