Abstract: A financial institution computing system includes an account database with a plurality of transaction parameters with respect to a financial account of a customer, a receptiveness metrics circuit structured to extract the plurality of transaction parameters from the account database, the transaction parameters including at least one financial transaction record, and indicative of a mode of the customer, and determine one or more receptiveness metrics attributed to the customer based on the mode of the customer, the one or more receptiveness metrics indicating likelihoods of the customer converting an interaction from the financial institution, wherein the interaction includes an avatar that is an aged version of the customer, and an interaction generation circuit structured to transmit the interaction to the customer at an optimal time based on the one or more receptiveness metrics.

Abstract: Systems, methods, and computer-readable storage media utilized in math-based currency (MBC) exchange utilizing MBC transaction guarantees. One method includes receiving, from a merchant point of sale (POS) terminal, a payment reimbursement request comprising a guarantee identifier associated with an MBC transfer. The method further includes determining, utilizing the guarantee identifier, transaction information. The method further includes determining, utilizing the transaction information, the guarantee identifier is associated with a failed transaction based on accessing and analyzing a plurality of disputed transactions on an MBC blockchain. The method further includes, in response to identifying the failed transaction, initiating an MBC payment from the financial computing system to an MBC address of a merchant. The method further includes providing, to the merchant POS terminal, a payment confirmation.

Abstract: Systems and methods for expediting math-based currency (“MBC”) transactions. One method includes receiving a request for a pending MBC transaction, the request include an MBC address of a first party, an MBC address of a second party, and an amount of MBC to be transferred and determining a balance of MBC associated with the MBC address of the first party based on accessing a listing of address balances. Further the method includes in response to determining a threshold likelihood of success of confirming the pending MBC transaction, generating and formatting a guarantee identifier and embedding a copy of the guarantee identifier in a field of the pending MBC transaction. Further the method includes transmitting the guarantee identifier and transferring the amount of MBC from the MBC address of the first party to the MBC address of the second party based on verifying the pending MBC transaction.

Abstract: Systems and methods for expediting math-based currency (“MBC”) transactions are described. A financial institution facilitates the expedited MBC transactions. The expedited MBC transactions are achieved by guaranteeing merchants that a pending MBC transaction between the merchant and a customer will be verified by the MBC verification nodes. A provided guarantee can be collected on by the merchant in the event that a guaranteed MBC transaction is not verified by the MBC verification nodes.

Abstract: Systems, methods, and computer-readable storage media utilized for revoking access to a financial account held by a customer of a financial institution. One method includes determining, by at least one processing circuit, an access level based on information stored in an account database and an adverse event experienced by a customer. The method further includes authorizing, by the at least one processing circuit, a designee of the customer comprising the access level for at least one future payment request. The method further includes transmitting, by the at least one processing circuit, an alert message corresponding to the authorization of the designee for the access level. The method further includes in response to receiving an input from a user device, withdrawing, by the at least one processing circuit, the access level.

Abstract: Systems, methods, and computer-readable storage media utilized for authorizing transactions without a payment card present. One method includes receiving a habitual transaction request including a customer indicator and identifying characteristics of the habitual transaction request. The method further includes identifying, utilizing the customer indicator, habit information of a customer and authenticating the habitual transaction request based on the characteristics of the habitual transaction request conforming with the habit information. The method further includes, in response to authenticating the habitual transaction request, authorizing the habitual transaction request and receiving a non-habitual transaction request including the customer indicator.

Abstract: Systems, methods, and computer-readable storage media utilized for determining access to a financial account held by a customer of a financial institution. One method includes establishing a communication session with a sensor device, wherein the financial institution computing system continuously receives sensor data over the communication session and receiving, from a point-of-sale (POS) terminal, a payment request. The method further includes retrieving, from the user device via an application programming interface (API), device data including at least application data and receiving, from the sensor device, the sensor data including at least one of geolocation data or biometric data of the sensor device. The method further includes determining the customer experienced an adverse event based on the sensor data and the device data and determining automatically an access level.

Abstract: Various examples describe interfacing at least one computing device to a plurality of human users. An interface system may receive goal data describing a shared goal shared by a plurality of users and transaction data describing a first transaction made by a first user of the plurality of users. The interface system may also receive, from a user computing device, audio data describing speech of the first user and of a second user. The interface system may extract a first word from the audio data and detect a conflict between at least two of the plurality of users based at least in part on the goal data, the transaction data, and the first word. The interface system may further determine a mediation routine for the conflict based at least in part on the goal data, the transaction data, and the first word, and execute the mediation routine.

Abstract: A user mobile device includes a network interface, an input/output (“I/O”) device configured to exchange data with a user, the I/O device including a display device configured to present a graphical user interface to the user, an imaging device configured to generate image data; and a processing circuit. The processing circuit comprising a memory and a processor. The memory stores instructions that cause the processor to receiver user photograph data including multiple photographs of the user, determine an emotive state of the user in each of the photographs, categorize each photograph into at least a user positive emotion category and a user negative emotion category, receive spending behavior data, generate a user spending alert based on the spending behavior data including a photograph from at least one of the user positive emotion category and the user negative emotion category, and present the spending alert to the user.

Abstract: A financial institution computing system may include a steward database and a steward designation circuit. The steward database may store information of a steward of a customer. The information may include interaction information of the steward, which may include information indicative of interactions of the steward with other individuals. The steward designation circuit may determine whether an individual of the other individuals qualifies as a new steward of the customer based on the interaction information of the steward in the steward database. The steward designation circuit may designate the individual as a new steward of the customer in response to determining that the individual qualifies as a new steward of the customer.

Abstract: A financial institution computing system includes a network circuit exchanging information over a network, a customer database storing financial information for a plurality of users, and a privacy shield circuit. The privacy shield circuit receives, over the network via the network circuit, a privacy shield request from an authorized user of a financial account via a user computing device. The privacy shield circuit generates a user alias for the authorized user of the financial account. The privacy shield circuit associates the user alias with the financial account in the customer database for use in conjunction with a subsequent transaction. Use of the user alias in conjunction with the subsequent transaction includes using the user alias for at least one of an authentication procedure and providing requested information to a merchant. The privacy shield circuit transmits the user alias to the user computing device over the network via the network circuit.

Abstract: Among other things, embodiments of the present disclosure can help improve the functionality of virtual assistant (VA) systems by determining filtering criteria that applies to inputs received by the system, and storing information associated with the inputs (and controlling access to such information by different users of the VA system) in accordance with the filtering criteria.

Abstract: Examples described herein relate to apparatuses and methods that include determining that an initial transaction based on a first account of a user is processed for the user associated with a user device, determining attribute changes to the first account or to a second account of the user after the initial transaction has been processed, determining that the attribute changes to the first account or to the second account cause the second account to be more preferable than the first account, and automatically modifying the initial transaction to be based on the second account.

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 expediting math-based currency (“MBC”) transactions are described. A financial institution facilitates the expedited MBC transactions. The expedited MBC transactions are achieved by providing merchants with a customer score for a customer that is paying for goods or services with MBC. The customer score is based at least in part on prior MBC transactions entered into by the customer. In some arrangements, the customer score is also based on balance information and transaction information associated with accounts maintained with the financial institution.

Abstract: Among other things, embodiments of the present disclosure can help improve the functionality of virtual assistant (VA) systems by identifying various goals for a user (e.g., with regard to the user's employment, fitness, health, finances, etc.) and steps that can be taken by the user and/or the VA to achieve such goals. Additionally, embodiments of the present disclosure help users track progress on their goals and provide recommendations and information to help users achieve their goals.

Abstract: Systems, methods, and apparatuses for negotiating a suboptimal savings plan include a financial strategy database storing information associated with an optimal savings plan and at least one suboptimal savings plan, an account information database storing information associated with a financial account held by a customer, and a processing circuit. The processing circuit is structured to identify an opportunity for a suboptimal savings plan relating to the customer, receive information associated with a financial account held by the customer, generate a set of potential suboptimal savings plans based on the received information, provide the customer with the set of potential suboptimal savings plans, and set an accepted suboptimal savings plan as an active savings plan in response to the customer selecting one of the potential suboptimal savings plans.

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: Examples described herein relate to apparatus and methods for determining access to a financial account held by a customer of a financial institution, including, but not limited to, determining, by a processor of a financial institution computing system, an adverse event that causes death or incapacitation to the customer based on an adverse event message received from a user device associated with the customer, and in response to determining the adverse event, granting, by the processor, the access to the financial account held by the customer to a designee.

Abstract: A financial institution computing system includes a network circuit enabling the financial institution computing system to exchange information over a network, a customer database storing information for a customer including habit information of the customer and a customer indicator of the customer, and a transaction circuit. The transaction circuit receives, over the network via the network circuit, a first transaction request including the customer indicator. The transaction circuit authenticates the first transaction request by determining that a characteristic of the first transaction request conforms with the habit information of the customer associated with the customer indicator, and authorizes the first transaction request based on the first transaction request being authenticated.