Abstract: The application is directed to a computer-implemented apparatus for facilitating transactions. The apparatus includes a non-transitory memory having instructions stored thereon for performing an evaluation of user performance prior to proceeding with a transaction. The apparatus also includes a processor, operably coupled to the non-transitory memory. The processor is configured to perform the instructions of displaying, on a graphical user interface (GUI), an input box requesting a user to input information associated with the transaction. The processor is also configured to receive, via the GUI, information from the user associated with the transaction. The processor is also configured to perform the instruction of evaluating the received information associated with the transaction based upon decision criteria.

Abstract: Disclosed herein are systems and methods executing a security server that perform various processes using alert elements containing various data fields indicating threats of fraud or attempts to penetrate an enterprise network. Using alert elements, the security server generate integrated alerts that are associated with customers of the system and assign a risk score for the integrated alerts, which the security server uses to store and sort the integrated alerts according to a priority, based on the relative risk scores. Analyst computers may query and fetch integrated alerts from an integrate alert database, and then present the integrate alerts to be addressed by an analyst according to the priority level of the respective integrated alerts. This allows to ensure that the right customer, is worked by the right analyst, at the right time, to maximize fraud prevention and minimize customer impact.

Abstract: Methods and systems for deploying autonomous vehicles to form a barricade in a coordinated response to an imminent threat are described. In one embodiment, a method for deploying autonomous vehicles to form a barricade is described. The method includes determining at least one location for a barricade and determining a plurality of autonomous vehicles that are available to form the barricade. The method also includes sending instructions to the plurality of autonomous vehicles to form the barricade at the at least one location. In response to the instructions, the plurality of autonomous vehicles are configured to move to the at least one location and form the barricade.

Abstract: Techniques provided herein relate to electronic data access requests. An access system receives at least one electronic data action request from a client. At least a portion of the data access authentication information is sourced from a secondary device connected to an intermediary device. The electronic data action request is authenticated based upon the data access authentication information.

Abstract: An image of a check is captured by an imaging device and a digital image of the check on a replacement background may be created. The check may be placed on any background while the image of the check is being captured. The replacement background replaces, in the digital image, the background that the check is placed on while its image is being captured. The replacement background may comprise a predetermined image or color(s). The image of the check and the replacement background may be provided into a digital image file that may be transmitted to an institution system for deposit of the check into an account.

Abstract: A wireless communication device is disclosed. The wireless communication device has a near field communications transmitter system. The device has an outer chassis that can be sized, dimensioned and decorated to resemble common household items that lack any apparent value. The wireless communication device can also include an indicia that is invisible to an unaided human eye.

Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for receiving user input indicating a first user selection of a first form of biometric authentication from a plurality of forms of biometric authentication, providing a first interface for display on a user device, the first interface corresponding to the first form, receiving first biometric data, the first biometric data being provided using the first interface, and selectively enabling communication between the user device and a back-end system based on the first biometric data.

Abstract: Methods and systems described in this disclosure receive a request for assistance from a device associated with a user, launch a conversational virtual assistant on the device, determine at least one potential subject of the request based on information associated with the user and a tab or webpage from which the conversational virtual assistant is launched, receive a verification of the subject of the request, create a contact menu with options for receiving the assistance, and receive a selection of one of the options.

Abstract: Augmented reality (AR) technology can be used to perform a real-time overlay on an image displayed on a user device. A user device can receive image data of an area comprising an item from the real-world. Based on the image data, an identity and a value of the item can be obtained by the user device. If the value of the item is greater than a pre-determined value for the item or a category of the item, then the user device can obscure in real-time on the displayed image the item or category of the item having the value that is greater than the pre-determined value.

Abstract: A security object management system may include a management module including a device processor and a non-transitory computer readable medium including instructions stored thereon, and executable by the processor, for performing the following steps: accessing a database having stored therein data regarding a plurality of security objects, wherein the data includes ownership data regarding the assignment of rights associated with the security objects; and receiving user input to certify the accuracy of data associated with at least one of the security objects; wherein the computer readable medium further includes instructions for, in response to a change in data associated with a security object, executing a write back function whereby the change in the data is stored in a database that is accessible by a third party having access rights exclusive of ownership and administrator rights of the security object in the database.

Abstract: A computer-implemented method and system for enhancing interaction between a customer using a client computer and a customer service representative of a company using a workstation. A Web session is commenced on a Web site for the client computer of the customer, wherein the Web session includes displaying a first Web page to the customer. A telephonic interaction is commenced between the customer and the customer service representative and a split screen is displayed on the workstation. The split screen including the first Web page and a second Web page, wherein the second Web page is only viewable by the customer service representative. An application is caused to be moved from the second Web page to the first Web page for review and interaction by the customer via the client computer.

Abstract: Various embodiments of the present disclosure generally relate to transacting in advance. More specifically, various embodiments relate to detecting a mobile computing device of a user within a proximity of a banking location; receiving, via the mobile application, an indication of a type of transaction to be conducted; and directing, via the mobile application, the user to an area of the banking location based on the type of transaction to complete the transaction.

Abstract: A system and method to monitor individual appliance performance. A monitor module is provided for aggregating data from a plurality of appliances wherein the module includes. Included in the monitor device is a gateway device configured to capture operational data relating to each of the plurality of appliances and an analyzing device configured to determine individual operational characteristics for each of the appliances from analysis of the captured operational data. A notification device is further provided which is configured to provide information to a user regarding the determined operational characteristics for each of the appliances.

Abstract: Systems and methods to process overhead imagery received from overhead image sources are described herein. Examples include accessing an aerial image including a property, determining an owner of the property, determining whether the owner of the property is eligible to be a member of a financial institution, determining whether the owner of the property has property insurance with the financial institution for the property type of the property in the aerial image, and presenting an offer for insurance to insure the property in the aerial image when the owner is determined to be eligible for the financial institution and does not already have insurance with the financial institution. Examples include accessing an aerial image of properties, determining damage estimates, and reserving resources to repair the properties based on the damage estimates.

Abstract: Systems and methods are provided for making purchases at a merchant point-of-sale (POS) device using a mobile device. Transaction information may be communicated from the POS device to the mobile device and an authorization from the purchaser to proceed with the transaction returned to the POS device from the mobile device. After authorization, the POS device may communicate the transaction information together with an identifier of the mobile device to a financial institution to process payment. The financial institution may confirm the transaction with the purchaser at the mobile device using the identifier of the mobile device. Upon receiving a confirmation response from the mobile device, the financial institution may then transfer funds from a purchaser account to a merchant account.

Abstract: A robotic vehicle can seek markers in one or more zones and take action if the marker so indicates. Systems, methods, and computer-readable media can cause a robotic vehicle to seek and identify a marker, then determine whether action should be taken based on a characteristic of the marker. If an action should be performed, the robotic vehicle can perform an action, and if no action should be performed, a determination can be made whether to seek another marker, move to another zone, or terminate the robotic vehicle's routine.

Abstract: Systems and methods receiving call center network architecture data associated with a call center network; utilizing the call center network architecture data to create a model of the call center network; employing the model to run a simulation of the call center network that generates performance data associated with the model; using the model to generate solution parameters for the call center network; and providing the solution parameters to the call center network implementation in the call center network.

Abstract: Methods, systems, storage media for authentication are described. On the methods includes receiving, at a smart contract on a distributed ledger, a signed authentication challenge. The method includes verifying the identity of the user who signed authentication challenge. The method includes raising an event that indicates that the user has been authenticated; wherein a server listens for events from the smart contract, and associates a session between the browser and the server with the user based on the event.

Abstract: The present disclosure is related to a smart irrigation system that includes a first sensor configured to monitor a moisture level at a location and a second sensor configured to monitor a contamination level within a fluid. The smart irrigation system also includes one or more processors configured to receive a first signal from the first sensor, receive a second signal from the second sensor, and route the fluid to the location in response to the first signal indicating that the moisture level is below a moisture threshold and the second signal indicating that the contamination level is below a contamination threshold.

Abstract: Implementations of the present disclosure include receiving a training image, providing a hash pattern that is representative of the training image, applying a plurality of filters to the training image to provide a respective plurality of filtered training images, identifying a filter to be associated with the hash pattern based on the plurality of filtered training images, and storing a mapping of the filter to the hash pattern within a set of mapping in a data store.