Abstract: Methods for smartglasses-to-smartglasses payment systems is provided. Methods include receiving a transfer of funds initiation at a first smartglasses. The transfer of funds initiation may include an identifier, an amount and a personal identification number (“PIN”). Methods include transmitting the transfer of funds initiation from the first smartglasses to a second smartglasses. Methods may include receiving a notification on the second smartglasses. The notification may include a first smartglasses telephone number and the transfer of funds initiation. Methods may include transmitting a transfer of funds request from the second smartglasses to an entity. The transfer of funds request may include the first smartglasses telephone number, the transfer of funds initiation and the second smartglasses telephone number. Methods may include retrieving a first account and a second account from the entity. Methods may include transferring funds from the first account to the second account.

Abstract: Typically, online payments require entering sensitive transaction information into a third-party web browser or application. This may expose sensitive transaction information to an increased risk of inadvertent disclosure. Apparatus and methods are provided for a smart card which enables users to securely complete online payments without entering any sensitive transaction information into a third-party system. The smart card may include a touch-sensitive screen configured to display selectable payment options. The smart card may include a microprocessor and wireless interface. The wireless interface may provide wireless communication capabilities and the ability to initiate online payments based on information captured by the touch-sensitive screen.

Abstract: A method for use with a smart card is provided. The smart card may include a communication interface, a housing, a microprocessor embedded in the housing, a battery for powering the communication interface and the microprocessor, and a nano GPS chip, located within the housing and in electronic communication with the communication interface and the microprocessor. The thickness of the smart card is preferably no greater than 0.8 millimeters (“mm”) and has surface area not greater than 86 mm×54 mm. The method may include determining the location of the smart card in response to a request for a smart card transaction authorization and determining the location of a mobile device associated with a specified user of the smart card. Based on the location of the smart card and the location of the mobile device, the smart card may calculate a location delta between the smart card and the mobile device.

Abstract: A method for touchless communication between an ATM and a smartglasses device worn by a user is provided. The method may be executed at the smartglasses device. The method may include identifying a current global positioning system (“GPS”) location of the ATM. The method may include communicating with an external database to determine an ATM identifier associated with the ATM. The ATM identifier may include ATM communication data. The method may include transmitting an external smartglasses identifier to the ATM via the ATM communication data. The method may include receiving a communication from the ATM. The communication may include an interactive payment interface. The method may include displaying the interactive payment interface on the smartglasses. The method may include receiving one or more commands from the user. The method may include transmitting the one or more commands from the smartglasses to the ATM.

Abstract: A method for performing a card-to-card direct contactless transaction between a first active stored-value smart card (“SVSC”) and a second active SVSC, each comprising an active near-field communication (“NFC”) reader. The method may include activating the first active SVSC by receiving input of a personal identification number (“PIN”) on a keypad located on the first active SVSC, verifying the PIN and further receiving input of a transaction amount on the keypad. The method may further include initiating a wireless NFC communication to perform the transaction by positioning the first active SVSC within a pre-determined distance to the second active SVSC and confirming accuracy of each of the first and second active SVSC using the active NFC reader to retrieve card ID data and confirm accuracy. Following confirming, the method may include directly completing the transaction between the first active SVSC and the second active SVSC.

Abstract: Systems and methods for secure and efficient transaction resolution and execution are provided. A method may include capturing, via a camera embedded in a smart card, an image of an object. The object may be associated with one of a plurality of service categories. The method may include processing the image and determining the service category, from the plurality of service categories, which is associated with the object. The method may also include determining a service provider that provides the service of the service category for a user associated with the smart card, and determining a monetary balance owed by the user to the service provider for the service. The method may also include executing a payment, via a wireless communication element that is embedded in the smart card, in the amount of the monetary balance, from an account associated with the user to the service provider.

Abstract: Wait times at ATMs may undermine the utility of these self-service machines. ATMs are configured to provide faster self-service kiosks that allow users to quickly perform common financial transactions. However, it has been increasing common for users to have to wait on a line to access an ATM. Apparatus and methods are provided for a smart card that stages transactions by capturing the amount, pin and other necessary information on the smart card itself, before the user begins interacting with the ATM. Information captured by the smart card may be transferred to ATM when the smart card is inserted into ATM. The user does not provide the ATM with any additional information after inserted the smart card into the ATM, thereby improving the transaction processing efficiency of the ATM and enhancing user satisfaction.

Abstract: Systems, computer program products, and methods are described herein for transaction management via an extended reality platform. The present invention provides the functional benefit of providing a user with the ability to manage, schedule, and complete transactions in an extended reality (XR) environment. The present invention may also be configured to communicate with a plurality of third-party systems, in order to request access to various user accounts, as well as information associated with one or more upcoming transactions associated with a user. The user may then visualize said transaction information on a virtual hub presented via an XR platform (accessible using a virtual/augmented/mixed reality device) and complete transaction management actions from any location, in real-time. User interfaces hosted in an XR environment are immersive, providing intuitive user interfaces that may bolster the effect of interactivity.

Abstract: A smart card with secure and efficient image capture and analysis is provided. The card may include a non-transitory memory embedded in the housing storing computer-executable instructions. The instructions, when run on the microprocessor, are configured to capture, via the camera, an image of a building (or other suitable image), process the image via an image processing module, determine, based at least in part on the processing of the image, a payment amount and a payment recipient associated with the building. The smart card may also display payment information on the display screen. The payment information may include the payment amount and/or the payment recipient. When authorization is received via a tactile sensor, the card may execute a payment or other communication, over a payment gateway from an account associated with a user of the platform to an account associated with the payment recipient.

Abstract: A smartwatch device that operates as an ad hoc card reader is provided. The smartwatch device may include hardware and software. The smartwatch device may scan multiple cards. The smartwatch device may capture card data elements from each card. The smartwatch device may receive a transaction amount for each card. The smartwatch device may communicate with a financial institution associated with each card. Each financial institution may transmit an approval request to a device associated with the card. Each device may receive a request to approve the transaction. Each device may approve the request, and the approval may be transmitted to the financial institution. Each financial institution may transmit an approval notification to the smartwatch. Upon receipt of an approval notification for each card, the smartwatch may transmit the captured card data elements and the transaction amount for each card and payee data to a processing entity for transaction processing.

Abstract: Apparatus and methods for authenticating a user of a transaction device are provided. The methods may include designating an element of the device as a focal point. The methods may include storing the focal point in a transaction system database. The methods may include receiving from the device a gesture pattern. The methods may include determining that the pattern identifies the focal point. The methods may include accepting the focal point. The methods may include authenticating the user. The methods may include receiving, after the authenticating, from the user a personal identification number (“PIN”) that is associated with a transaction card of the user that is not present at the transaction.

Abstract: Described herein is a system for improving sentiment detection and/or recognition using multiple inputs. For example, an autonomously motile device is configured to generate audio data and/or image data and perform sentiment detection processing. The device may process the audio data and the image data using a multimodal temporal attention model to generate sentiment data that estimates a sentiment score and/or a sentiment category. In some examples, the device may also process language data (e.g., lexical information) using the multimodal temporal attention model. The device can adjust its operations based on the sentiment data. For example, the device may improve an interaction with the user by estimating the user's current emotional state, or can change a position of the device and/or sensor(s) of the device relative to the user to improve an accuracy of the sentiment data.

Abstract: Aspects of the disclosure relate to application assessment. A computing platform may receive content information and manual input data corresponding to hierarchical content. The computing platform may establish a content tree indicating relationships between pages of the hierarchical content. The computing platform may receive starting/ending pages of the hierarchical content and application assessment commands. Using the content tree and in response to receipt of the application assessment commands, the computing platform may generate error information based on the starting page and the ending page by performing a holistic error analysis of the hierarchical content between the starting page and the ending page, which may include automatically populating manual input fields using the manual input data.

Abstract: Data content delivery and validation in a computer environment may provide a file system in the computer environment, the file system subdivided into unique folder locations per content type, each of the unique folder locations representing a content type folder. The file system is monitored for changes to a content type folder. An occurrence of a manifest file in the content type folder may be detected, the occurrence of the manifest file ensuring that all files in a package of files associated with the manifest file have arrived. Content of the manifest file may be analyzed to check validity of the files. A content package registry may be queried to determine a base job for processing a given content type associated with the package of files, and the base job may be run to process the package of files.

Abstract: A robot moves about an environment and may interact with a user. A waypoint specifies where the robot is to move to with respect to the user while a proxemic cost map is used to plan the path to the waypoint. User input or preferences may be used to modify the waypoint or the proxemic cost map. The waypoint may specify a particular distance and bearing with respect to the user. The proxemic cost map may be oriented with respect to the user and specifies costs for particular areas. For example, an area immediately behind the user may have a very high cost while an area in front of the user may have a low cost. Based on the waypoint and the proxemic cost map, a path is selected and the robot moves along that path, avoiding the high cost areas in favor of the low cost areas if possible.

Abstract: A method for A method for utilizing a check-to-smartglasses payment system is provided. The method may include capturing check data at a smartglasses. The method may also include identifying smartglasses account data associated with the smartglasses. In addition, the method may include generating a transfer of funds instruction. The transfer of funds instruction may include the check data and the smartglasses account data. The method may also include transmitting the transfer of funds instruction to a financial institution as well as identifying an account associated with the check data at the financial institution, The method may also include processing the transfer of funds instruction between the account associated with the check data and an account identified by the smartglasses account data at the financial institution and transmitting a confirmation to the smartglasses and to a mobile device associated with the check data.

Abstract: Wait times at ATMs may undermine the utility of these self-service machines. ATMs are configured to provide faster self-service kiosks that allow users to quickly perform common financial transactions. However, it has been increasing common for users to have to wait on a line to access an ATM. Apparatus and methods are provided for a smart card that stages transactions by capturing the amount, pin and other necessary information on the smart card itself, before the user begins interacting with the ATM. Information captured by the smart card may be transferred to ATM when the smart card is inserted into ATM. The user does not provide the ATM with any additional information after inserted the smart card into the ATM, thereby improving the transaction processing efficiency of the ATM and enhancing user satisfaction.

Abstract: Systems and methods for an augmented reality (AR)-assisted smart card for secure and accurate revision and/or submission of sensitive documents are provided. The methods may be executed via computer-executable instructions running on a microprocessor embedded in the smart card. A method may include capturing an image of a document, processing the image of the document, and computing, for one or more of the fields of the document, a recommended input. The method may further include comparing, for the one or more fields, the recommended input with an actual input, and, when the recommended input is more than a threshold difference apart from the actual input, generating a recommended revision. The method may also include displaying an AR image of the document on a display screen that is embedded in the smart card, said AR image comprising the image of the document augmented with the recommended revisions.

Abstract: Methods and apparatus for card-to-smartglasses payment systems are provided. A smartglasses device may scan a payment card using a camera. The smartglasses device may identify card data elements from the payment card. The smartglasses device may initiate a transaction. The transaction may include the following components: a payer, a payee and a transaction amount. The payment card may be associated with the payer component of the transaction. As such, the card data elements may be included as the payer component of the transaction. The smartglasses may receive data from a third-party relating to the payee component of the transaction. The transaction amount may be inputted into the smartglasses as user input. The generated transaction may be transmitted to an entity for processing. Upon processing completion, the entity may transmit a notification to the smartglasses, to a device associated with the payment card and to a device associated with the payee.

Abstract: A method for utilizing smartglasses-enabled, autonomous, transfer technology, to execute a transferor to recipient transfer is provided. The method may include receiving, via hand gestures at the smartglasses, a mobile phone number of a target recipient. The method may also include transmitting the mobile phone number from the smartglasses to an entity associated with the transferor. The method may then determine a recipient identification number associated with the mobile phone number at the entity associated with the transferor, and, preferably then, communicating with a transfer gateway to initiate a payment between a transferor account number associated and the recipient identification number. The method may also include processing the transfer via the transfer gateway and transmitting a completion notification to a mobile device associated with the mobile number and to the smartglasses.