Abstract: An advisor system creates an advisor panel to advise a user with regards to any number of topics, such as, e.g., a financial questions or concerns the user may have. The panel is composed of one or more advisor avatars that are generated based on one or more traits of the user. The avatars may include past, present and/or future versions of the user. Various devices are utilized to display the panel to the user and allow the user to engage the panel. The system may adapt the advice provided by the panel, the features of the avatars and/or the manner in which the avatars interact with the user and/or each other in response to trends noted by the advisor system as the system is used by the user as well as others.

Abstract: Among other things, embodiments of the present disclosure can help improve the functionality of virtual assistant (VA) systems by recognizing and tracking a user's mood and adapting its responses accordingly. Embodiments of the present disclosure may utilize data in real-time or near-real-time to identify a user's mood, as well as tracking a user's preferences and reactions in past interactions with the VA or in other contexts.

Abstract: A computer implemented method performed by an identity verification computing system includes receiving a request to provide an identity verification of a user via an entity computing system, the request including data associated with a user device associated with the user. A user-level profile associated with the user device is accessed. A user-level token is requested from the user device. The user-level token is associated with the user-level profile. The user-level token is received from the user device, and validated. An identity verification approval is transmitted to the entity computing system.

Abstract: A transaction instrument and a method of making a transaction instrument by continuous liquid interface production. The transaction instrument such as a transaction card may have many features or components made by or using continuous liquid interface production.

Abstract: A computer-implemented method includes receiving an indicator of enrollment of a user in a breach notification service; acquiring information regarding the user; and generating one or more indicators of a data breach for an entity that stores one of data regarding the user or an indication of a transaction with the user in a past predefined time period. The computer-implemented method further includes determining that the one or more indicators meet a threshold level for notifying the user of the data breach; in response to determining that the one or more indicators meet the threshold, generating a notification specific to the user regarding the data breach; and providing the notification to the user during a log-in process for a product or service associated with the provider computing system.

Abstract: In some examples, a method of manufacturing a densified wood transaction instrument includes boiling a sheet of wood in a chemical solution, compressing the boiled sheet of wood using a die in a press to form one or more features in the sheet of wood, during the compressing of the boiled sheet of wood, heating the boiled sheet of wood to create a sheet of densified wood, and attaching one or more payment elements to at least one of the one or more features formed in the sheet of densified wood to form a sheet of one or more densified wood transaction instruments.

Abstract: A method of making a transaction instrument comprising making a transaction instrument by three-dimensional (3D) printing or additive manufacturing. The transaction instrument such as a transaction card may have many features or components made by or using three-dimensional (3D) printing or additive manufacturing.

Abstract: Embodiments of the disclosure are directed to authenticating a user at an electronic computing device. Information is received from a defined zone of an environment surrounding the user. A level of authentication is calculated for the user based on the information from the defined zone of the environment. When the level of authentication is greater than or equal to a predetermined threshold, the user is authenticated at the electronic computing device to perform a requested activity.

Abstract: A transaction instrument comprising a blended composite of metal and plastic and a method(s) for making a transaction instrument comprising a blended composite of metal and plastic. In an aspect of the invention, the blended composite of metal and plastic is a metal-filled plastic, more particularly a heavy-gravity compound.

Abstract: A transaction instrument comprises a plastic and one or more metal inclusions embedded or encased in the plastic. The one or more metal inclusions are in a non-particle form and is selected from the group consisting of a bit, a piece, a strand, a strip, a mesh, a web, and a combination thereof. The metal inclusion is comprised of a metal selected from the group consisting of tungsten, silver, zinc, bismuth, molybdenum, iron, steel, tin, copper, titanium, or a combination thereof.

Abstract: A transaction instrument comprising a metal-filled biodegradable polymer. The biodegradable polymer is a plant-based polymer, a protein-based polymer, or a combination thereof. The metal of the blended composite of metal and biodegradable polymer is a heavy-gravity compound. The transaction instrument is biodegradable in whole or in part. A method(s) for making a transaction instrument comprising a blended composite of metal and a biodegradable polymer is also provided.

Abstract: Systems and techniques for dynamic micropayment fee selector are described herein. A transaction stream may be obtained from an electronic transaction processing service. A transaction velocity of a set of transactions that correspond to a user account of the electronic transaction processing service included in the transaction stream may be calculated for a first period of time. A fee tier data structure may be generated based on the transaction velocity. A fee tier of the fee tier data structure may be applied to the user account. An indication of the applied fee tier and an electronic representation of the fee tier data structure may be transmitted to a device associated with the user account.

Abstract: A transaction instrument and a method of making a transaction instrument by continuous liquid interface production. The transaction instrument such as a transaction card may have many features or components made by or using continuous liquid interface production.