Abstract: Methods and systems for virtual checking are described. In some embodiments, information for a virtual check created in a mobile device associated with a payor can be received from the mobile device. The information may include an amount of the virtual check. A computer system may determine whether there are sufficient funds to cover the amount of the virtual check and may place the funds in the amount of the virtual check in reserve when the funds are sufficient to cover the amount of the virtual check.

Abstract: The present disclosure provides methods and systems for secure logon. One or more method includes: determining, via authentication information provided by a user of an electronic device, that the user is authorized to access an online account provided by the online account provider; providing the user with a selectable option to enable an expedited logon process by which the user can access the online account by solely providing a particular authentication item of the user; receiving a verification credential in response to a next logon attempt using the expedited logon process; and verifying that the received verification credential matches an assigned verification credential provided to the user for use in conjunction with the next logon attempt using the expedited logon process.

Abstract: A system may include a first computing system that may include at least one processor. The at least one processor may receive a request for identification information associated with a user of the first computing device, such that the request is received from a second computing device. The at least one processor may then receive information regarding an entity associated with the second computing device, retrieve data comprising the identification information from a storage component, generate additional data comprising a portion of the identification information based on the information regarding the entity, and send the additional data to the second computing device.

Abstract: Systems and methods for auto-calibrating a virtual reality (VR) or augmented reality (AR) head-mounted display to a given user with a refractive condition without adding corrective lenses to optical elements of the head-mounted display and without requiring subjective refraction procedures. One such method comprises determining, by a refraction headset in operative communication with a near-to-eye head-mounted display, a wavefront map of an eye of a user based on comparing a shape of a wavefront associated with the eye to a reference wavefront; controlling, by an imaging system of the near-to-eye head-mounted display, a stereoscopic display device based on the wavefront map to modify image light representative of a desired image for display to the user; and transmitting, without the use of user-customized corrective eyewear, the modified image light from the stereoscopic display device through optical elements of the near-to-eye head-mounted display toward the eye of the user.

Abstract: Unmanned vehicles may be terrestrial, aerial, nautical, or multi-mode. Unmanned vehicles may accomplish tasks by breaking out into sub-drones, re-grouping itself, changing form, or re-orienting its sensors.

Abstract: The APPARATUSES, METHODS AND SYSTEMS FOR A VIDEO REMOTE DEPOSIT CAPTURE PLATFORM (hereinafter “RDC-Video”) provides a platform for remote deposit by obtaining images of a check from streaming video captured by a video camera, wherein the RDC-Video transforms captured check images and/or entered check deposit information inputs via RDC-Video components into deposit confirmation outputs. For example, in one embodiment, a user may employ a personal computer connected to a web camera, and/or a smartphone with a built-in camera to initiate the remote deposit by holding a check in front of the camera, and the RDC-Video may capture images of the check and send them to a financial institution for deposit processing.

Abstract: Systems and methods receive contextual data related to spending as well as spending data. Correlations are determined to explain variables that influence spending amounts or rates. Systems and methods can collect user spending context data associated with a user, generate spending correlations between variables of the user spending context data, determine a next event based on at least one of the location data and the relationship data, and generate a next event value for the next event having at least a subset of the variables.

Abstract: An article of apparel for providing shelter to one or more people during a storm or other severe weather event is provided. In one embodiment, the article of apparel includes a cape. The article of apparel also includes at least one fastening mechanism. The at least one fastening mechanism including a pair of wrist cuffs configured to secure the article of apparel to a wearer. The article of apparel further including at least one securement mechanism. The at least one securement mechanism including a pair of arm straps. The pair of arm straps include a closure system configured to interlock the arm straps together in a locked configuration to secure the wearer to a stationary object.

Abstract: Techniques are described for dynamically determining the flow of screens to be presented in a user interface (UI) of an application executing on a computing device, based at least partly on a detected presence of a user device (e.g., a portable computing device) in a particular geographic area. Area designation data is transmitted to, and stored on, a user device. The area designation data can describe a geofenced area and/or beacon signals. In response to determining that the user device is in the geographic area indicated by the area designation data, the user device may transmit an alert signal that causes an interface flow to be dynamically determined and executed for an application executing on the computing device that is separate from the user device.

Abstract: Methods and systems described in this disclosure allow customers to quickly be authenticated. In some embodiments, a device and a user verifier are associated with a user profile. When a call is received from the device, the user may be requested to input the user verifier. After verifying that the device is unique to the user and that the user verifier matches the user verifier associated with the user profile, the user may be authenticated to the call or activity.

Abstract: Methods and systems described in this disclosure are directed to authentication of calling parties. The authentication of calling parties applies to simultaneous voice and/or data communications with multiple parties over multiple electronic mediums including a variety of electronic devices. A user can continue to maintain a data exchange session with a representative of an entity offering the goods or services of interest to the user across more than one user device. In some embodiments, a user can invite other parties in a multi-party call involving the user and the representative. Various embodiments for multi-party and multi-device authentication mechanisms are described herein. In some embodiments, the system calculates an estimated call waiting time for a user to speak with the representative.

Abstract: Disclosed herein are systems and methods of executing scanning software, such an executable software program or script (e.g., PowerShell script), by a computing device of an enterprise, such as a security server, may instruct the computing device to search all or a subset of computing devices in an enterprise network. The scanning software may identify PowerShell scripts containing particular malware attributes, according to a malicious-code dataset. The computing system executing the scanning software may scan through the identified PowerShell scripts to identify particular strings, values, or code-portions, and take a remedial action according to the scanning software programming.

Abstract: The present invention provides a tire-wear detection sensor for a vehicle having a telematics system and tires including a temperature sensor, a pressure sensor, and an RF antenna in electronic communication with the sensors, and capable of transmitting the temperature signal and the pressure signal to the telematics system.

Abstract: Embodiments disclosed herein allow multiple providers to answer for DNS while having DNSSEC enabled for the same zone. To do so, the system shares DNSKEY records between autonomous DNS vendors. Sharing DNSKEY records allows customers to use multiple DNS providers with DNSSEC enabled without sharing private keys amongst providers.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, to improve the impact of digital media. One of these methods includes providing a non-affiliated advertisement to a plurality of users. The method includes receiving indications that a subset of the plurality of users have viewed the non-affiliated advertisement. The method also includes creating a control group for an advertisement from the subset of the plurality of users that received the non-affiliated advertisement.

Abstract: A system may include a processor. The processor may be configured to receive a first indication indicative of presence of a person arriving at a location associated with a scheduled service. The process may also be configured to determine whether the first indication corresponds to an expected arrival time of the scheduled service. Additionally, the processor may receive activity data in response to determining that the indication corresponds to the expected arrival time. Further, the processor may receive a second indication indicative that the person has completed the scheduled service. Further still, the processor may determine whether the scheduled service is completed based at least in part on the activity data. Even further, the processor may transmit a service confirmation to a computing device associated with a property owner of the location in response to determining that the scheduled service is completed.

Abstract: Techniques are described for determining a value metric for each of a plurality of payment cards, and recommending payment card(s) based on their respective value metrics. Implementations provide a recommendation engine that analyzes user data and card data, and recommends payment card(s) that may be suitable for a user. The engine consumes usage data and credit score and uses that information, along with characteristics of various available cards, to develop a value metric for each payment card that indicates how valuable owning the card would be to the particular user, such as how much money the user can expect to make or lose every year if they use the card as indicated, given the card's interest rate, rewards, fees, and so forth. The engine can rank the cards according to their value metrics, and the top-ranked card(s) are presented to the user as recommendations in a user interface.

Abstract: A system may include a processor that may execute computer-executable instructions that cause the processor to receive caller information regarding an incoming communication from a caller and receive a request from a user to route the incoming communication to a virtual assistant application. The virtual assistant application is configured to interact with the caller and determine whether the caller is associated a fraudulent caller activity stored on databases accessible by the processor. The processor may then receive an indication from the virtual assistant application that the caller is associated with the fraudulent caller activity and forward the incoming communication to another party in response to receiving the indication.

Abstract: An image of a check is captured by an imaging device and processing of the digital image of the check for deposit at a remote server may be accomplished with a downloaded software application on a portable computing device associated with the imaging device. The downloaded application may include one or more trained machine learning models for processing the captured image. The portable computing device may utilize deterministic algorithms for certain image processing tasks and machine learning models for others. The selection between machine learning and deterministic processing may be made locally on the portable device or in response to instructions from an institution server to use a particular processing method.

Abstract: The described systems and methods provide a user's mobile device with a graphical user interface that can provide information about the lowest price offered for one or more products. For instance, when a person at a physical retail store places one or more products in a physical shopping cart, a scanning device may scan the one or more products to obtain information about the one or more products, the scanned information is sent to a server that provides pricing and store location information to a mobile device based on the scanned information, the pricing and store location information can be analyzed by the mobile device to display the lowest price and store location for each product.