Abstract: Systems, methods, and computer-readable storage media for locking-in currency exchanges. One method includes providing, by a graphical user interface (GUI) of a wallet application, a customer request, wherein the customer request is a request for a currency transfer between a customer account of the customer to a recipient account of a recipient, wherein the customer account is associated with a first type of currency and the recipient account is associated with a second type of currency, presenting, by the GUI of the wallet application, a locked-in exchange rate for a time limit and data corresponding to the exchange rate and the time limit, exchanging, by the wallet application, an amount of the first type of currency for an amount of the second type of currency based on the exchange rate, and receiving, by the GUI of the wallet application, an indication of a transferred amount for a currency transfer.

Abstract: A computing system predicts a need of a customer based at least in part on a location of the customer, recommend a physical location to the customer based on the predicted need using location-based costs of living, and recommending offers to merchants based on historical activities of a plurality of customers.

Abstract: Systems and methods related facilitating default sharing between frequently used line of business products according to one or more example embodiments are shown. Such systems and methods make use of sharing of information between the line of business products. In some embodiments, this sharing of the data between line of business products facilitates a universal portal that may be personalized and/or customized in function and appearance. In some embodiments, the universal portal is an application on a user device that, at least, provides access to other applications running on the user device in a consolidated manner as well as additional functions present in the universal portal itself. In some embodiments, visual aspects of the presentation of applications and functionality are changed in the universal portal based on information that has been shared between different line of business products.

Abstract: A method implemented on a first electronic computing device for providing a financial concierge service to an individual includes monitoring a behavior of the individual. First information is obtained regarding a current activity of the individual. Second information is obtained regarding an emotional state of the individual. Third information is obtained regarding a location of the individual. Fourth information is obtained regarding a financial health of the individual. Fifth information is obtained regarding past financial transactions for the individual. The first, second, third, fourth and fifth information is used to determine a trigger point for the financial concierge service for the individual. When a determination is made that the trigger point has been reached, the financial concierge service for the individual is activated on a second electronic computing device.

Abstract: Systems and methods for facilitation of peer to peer transfers of financial instrumentations associated with automated activation of lines of credit according to one or more example embodiments are shown. Such systems and methods make use of analyzing information obtained from financial institution computing system as well as other third party system such as social media networks. In some embodiments, this analysis of data allows for customers, e.g., account holders, of a financial institution to be offered opportunities for loan solutions, such as short term loan solutions, in real time when a need for such a loan solution is determined. Such loan solutions may be provided in real time when the account holders are pre-vetted for the ability to pay back the loans as well as upon a determination of means to pay back the loan in the given time period based on the analysis of the data.

Abstract: Systems and methods of determining real-time available capacity of a merchant are provided. A plurality of financial transactions involving the merchant can be received during a current time period. A current payment velocity of the financial transactions involving the merchant during the current time period can be determined. The current payment velocity can be compared with a baseline payment velocity associated with financial transactions involving the merchant during a corresponding historical time period. An available capacity of the merchant can be determined, based on a difference between the current payment velocity and the baseline payment velocity.

Abstract: Systems and methods of generating a reputation score for an entity are provided. A plurality of financial transactions associated with the entity can be processed. Each of the plurality of financial transactions can be associated with a respective one of a plurality of transaction types, based on a result associated with each of the plurality of financial transactions. External reputation information relating to the entity can be received. The reputation score for the entity can be generated based on the transaction types of the plurality of financial transactions and the external reputation information.

Abstract: A system for facilitating benefaction that identifies donation opportunities by monitoring and learning from users' behavior and suggesting donations based on the behavior of potential benefactors and potential beneficiaries. In certain aspects, the system cross-references donation conditions of one system user with donation conditions of one or more other system users to identify donation triggering events corresponding to donation opportunities.

Abstract: A computing system predicts a need of a customer based at least in part on a location of the customer, recommend a physical location to the customer based on the predicted need using location-based costs of living, and recommending offers to merchants based on historical activities of a plurality of customers.