Abstract: A user is assigned an initial risk score during a session with a messaging platform. During the session, the user attempts an operation with an external service. One or more additional authentication factors are requested from the user to dynamically lower the initial risk score. The lowered risk score is processed with the external service to perform the operation on behalf of the user during the session.

Abstract: A mobile device, such as a cellular phone, can retrieve log data from a secured terminal, such as an automated teller machine. The mobile device can download data including a log from a secured terminal through a connection established therebetween, such as through a wired port on the secured terminal. The mobile device can determine a data representation of a geographic location of the secured terminal determined from at least one of a positioning service and a positioning device, such as from a global positioning system module of the mobile device. The mobile device can automatically upload data including the log and the geographic location to at least one server via a network, such as a wireless 3G network. The at least one server can select the closest secured terminal to the first geographic location, based on a database of known, stored locations of secured terminals.

Abstract: A portable device having a key is interfaced to a host computing device. The host computing device detects the key on the portable device and authenticates a user for using the key. A boot is forced of the host computing device and during the boot a customized image of an Operating System (OS) for the host computing device is loaded into volatile memory of the host computing device and customized security settings are applied to the OS based on a value of the key.

Abstract: An autonomous chat bot monitors actions of users on a messaging platform and generates self-initiated chat sessions with the user to gauge users' interest and intent with respect to a target subject matter and the conversations of the chat sessions. Based on the gauged interest and intent, profiles or preferences are generated for the users independent of or relevant to the target subject matter. In an embodiment, customer contact information for the users are provided by the autonomous chat bot to a Customer Relationship Management (CRM) system for further engaging the customer with respect to the target subject matter or other subject matters determined to be relevant from the profiles or preferences.

Abstract: A Personal Identification Number (PIN) pad includes a secure processor and is operated in two modes: 1) a secure mode during which key data associated with depressed keys are encrypted by the secure processor and provided to a transaction manager that executes on a processor of a transaction terminal in encrypted format, and 2) a non-secure mode during which key data associated with depressed keys are not encrypted and are received by the transaction manager in a clear format. The transaction manager activates the secure mode based on transaction processing for a transaction at the terminal. When secure mode is activated, the secure processor causes one or more integrated lights/speakers of the PIN pad and/or of other integrated peripherals of the terminal to illuminate or play a sound, providing an indication to a user that key entry is secure and safe for entry on the PIN pad during the transaction.

Abstract: A host establishes an up-to-date, an automated, secure, and Peer-Two-Peer (PSP) communication session with a peripheral. During the communication session, the host controls serialization, prioritization, and delivery of messages being passed. Each message providing command instructions and/or information for processing between the host and the peripheral.

Abstract: A user provides retailer-specific consents for access and use to private/sensitive information of the user. The private/sensitive information is centrally stored in a privacy vault. Retail services (retailer) that the user subscribes to are provided a user-specific and consent-specific token representing the user and consents to usage of specific private/sensitive information of the user. When the retailer has a need for user-specific private/sensitive information, the retailer presents the user-specific and consent-specific token to the privacy vault. Assuming, the retailer was given access to the requested private/sensitive information defined in the token, the privacy results returns the requested information to the retailer; otherwise, an unauthorized message is returned from the privacy vault to the retailer. The user defines the consents to each retailer and a record of the consents is maintained in the privacy vault.

Abstract: A network-based inventory replenishment application maintains and analyzes item transactions on a per-consumer basis. Specific item purchases are calculated as being in need of replenishment by a specific consumer on specific future dates or a specific range of future dates. The consumer is proactively informed and asked if such items should be ordered. The network-based inventory replenishment application engages the consumer for item replenishment and item order processing over a plurality of disparate communication channels.

Abstract: A store having an automated checkout can automatically associate multiple shoppers with a single purchase. For example, a mother and her children can walk independently through the store and select items. Upon checkout, the items selected by the mother and children can all be charged to the mother's credit card in a single purchase. The system and method discussed herein can capture images of multiple shoppers from one or more video streams of a store area, can associate the multiple shoppers with one another from the captured images when the multiple shoppers appear together in a check-in area of the store, can track the movement of the multiple shoppers within the store from the captured images, can track items selected by the multiple shoppers from the captured images, and can initiate a transaction that charges the selected items to an account associated with one of the multiple shoppers.

Abstract: Automated assistance for an action is requested over a self-service network from a Self-Service Terminal (SST). A first approval is received as a token over the self-service network. The action and the token are sent over a secure network from the SST for a second approval. When the second approval is received over the secure network, the action is processed on the SST.

Abstract: Produce items are identified in aisle of a store during a self-shopping session of a shopper and the produce items are associated with a shopping cart of the shopper. A weigh terminal permits produce items to be placed on a weigh plate for weighing in any order selected by the shopper. Each produce item is verified, weight recorded, and price noted in the shopping cart. Discrepancies in produce identification are addressed on checkout and payment for the shopping cart. In an embodiment, aging produce items are identified in aisle or at the weigh terminal, and the shopper is provided a discounted price on such produce items; or availability of aging produce items are communicated to the shopper in aisle during produce identification or at the weigh terminal during produce verification.

Abstract: Techniques for automated mobile transaction processing are provided. A consumer traverses to a web portal or other type of enterprise terminal device of an enterprise and proceeds to shop. During checkout, the portal contacts a transaction service and is delivered back an identifying barcode or Quick Response (QR) code. The consumer uses a mobile device to scan the code and send it to the transaction service. Previously registered payment details of the consumer are located and payment is received from the consumer. The portal is notified that payment is completed by the transaction service.

Abstract: An interface is processed for dynamically rendering an interactive geographical map. Custom-defined geographical boundaries are defined within the map. Customers currently geolocated within the geographical boundaries are identified. A custom-defined promotion is dynamically sent to devices operated by the customers and located within the geographical boundaries.

Abstract: Techniques for automated transactions are provided. A customer uses a mobile device to interact with an enterprise automation terminal to perform a transaction. At the start of the transaction, a unique barcode for the transaction is generated and displayed to the customer. The mobile device scans the barcode (can be a QR code); this causes the mobile device to communicate with a remote server that identifies the customer. Preferences for the customer are retrieved and the transaction and features of the terminal are configured based on the preferences. The transaction proceeds with the configured preferences.

Abstract: An assistance integrator provides a front-end interface to an enterprise's backend services available to customers. The assistance integrator translates between automated chat conversations with the customers that engage the enterprise over messaging platforms for initiating actions with the backend services during those conversations.

Abstract: Disclosed is a scanner. The scanner may include an enclosure, a first camera, and a second camera. The enclosure may define a first opening and a second opening. The first camera may be arranged to capture first images exterior to the enclosure via the first opening. The second camera may be arranged to capture second images exterior to the enclosure via the second opening. The first images and the second images may be of a product passing through a field of view defined by the first camera and the second camera.

Abstract: An Omni-channel security manager is provided. The Omni-channel security manager is configured to: receive selections for domain/channel specific security applications and deploy security agents to end-point devices. The security agents interact with the Omni-channel security manager to install, initiate, manage, and monitor the domain/channel specific security applications on the end-point devices.

Abstract: A customer uses a mobile device to acquire a mobile app thereon. The mobile device is configured by a cloud-based service to escrow one or more card numbers mapped by a financial facility to the customer's primary account's number. Further security limitations can be configured into the mobile app by the cloud-based service. Subsequently, the customers uses the mobile app at a point-of-sale location to access one or more of the escrowed card numbers to make purchases; these purchases can be made while the mobile device lacks any connectivity to a network.

Abstract: Various embodiments herein include an engine that uses data science, history, and trends to successfully determine and suggest the complimentary add on and upsell items that are tailored to at least some of the customer, current trends, product popularity, recommendations, and other such factors. One embodiment, in the form of a method, includes receiving, from a process involved in processing an open transaction, data representative of at least one of products and services that are subjects of the open transaction. The method further includes querying a recommendation engine for at least one of product and service recommendations based on the received data representative of products and services and receiving, in response to the query, at least one product or service recommendation. The method may then provide the at least one product recommendation to the process involved in processing the open transaction.

Abstract: Cameras capture time-stamped images of customers, carts, and items possessed by the customers. Customer queues at checkout stations/transaction terminals are monitored for queue lengths, opened terminals, closed terminals, and a total number of items possessed by each customer within each queue. Queue wait times are calculated for each queue and the queue wait times are displayed on monitors adjacent to the queues. Customers approaching the checkout stations are directed to specific queues based on the queue wait times. Closed terminals are opened in advance of a time when a shortest expected wait time for the queues is expected to exceed a threshold wait time. In an embodiment, each queue length is managed based on staff performance metrics associated with staff operating the terminals.