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: The technology described herein detects a first device associated with a user that is within a detectable range of a second device. The system requests authentication information. In response to receiving the authentication information, a token generator associated with the user can generate a secure token. The secure token can be sent to the server. Once the secure token is verified, the user is granted access to one or more services.

Abstract: A first computer transmits a respective first command to each of a plurality of second computer systems. Each first command includes instructions to initiate one or more virtual machine instances on the respective second computer system. Each virtual machine instance is configured to retrieve data from a third computer system over a communications network, cache the retrieved data, and transmit the cached data to one or more client computers over the communications network in response to a request for the cached data by the one or more client computers. The first computer system also transmits configuration data to each of the second computer systems. The configuration data includes indications of one or more parameters associated with retrieving the data from the third computer system, caching the retrieved data, and/or transmitting the cached data to the one or more client computers.

Abstract: A financial management system may include a device processor and a non-transitory computer readable medium including instructions, executable by the processor. The computer readable medium may include instructions for receiving purchase information regarding a pending purchase of a system user using an account; sending the purchase information, along with a request for approval of the purchase, to one or more personal electronic devices of a guardian of the account; receiving a response selected by the guardian; and selectively permitting the purchase based on the response selected by the guardian.

Abstract: Current embodiments relate to proofing and authenticating digital access and/or control requests. By communicating with various service providers, automatic proofing and/or enrollment for authentication of digital access and/or control services may be provided.

Abstract: A system and method for improving the security of financial transactions is disclosed. The system and method include an account management tool where customers (or account holders) can manage financial control settings, which include controls to set limits on the frequency of financial transactions and/or maximum transaction amounts. Based on these user-selected control settings, a financial account provider can deny transactions that exceed limits determined from the financial control settings. The system and method include a setting for geographic location, so that a user may build a customized list of geographic regions where transactions are allowed or prohibited. The system and method also include a setting for companies or merchants, so that a user may build a customized list of companies or merchants where transactions are allowed or prohibited.

Abstract: A system and method for automatically detecting a vehicle collision and taking action in response to the vehicle collision is disclosed. The vehicle collision can be detected by analyzing information from sensors onboard a vehicle, in a mobile device disposed within the vehicle or from roadway sensors. When a collision is detected, an insurance provider can automatically open a new insurance claim. The provider may also use sensed information to detect damaged components of a vehicle and provide information about the damaged components to a vehicle repair facility.

Abstract: Systems, methods, and computer products provide techniques handling media data based on triggers. A video portion of a first stream and an audio portion of a second stream can be merged based on correlation of the streams and quality analyses of the respective video and audio portions. A variety of triggers can be identified and utilized to determine the use or playback of streams.

Abstract: Disclosed herein are systems and methods for performing online payment transactions from any web page being accessed on a client device by automatically generating a payment application icon on the web page through which a user can make payments. The content of the web page may be analyzed to determine if the user is conducting a payment. When a payment request is identified, a payment application icon is displayed on the web page. When the user interacts with the payment application icon, a payment prompt is displayed where the user can input payment information. Upon the user providing payment information, a payment server transmit a payment to an account associated with the web page, based on the user's payment information.

Abstract: Methods and systems for receiving a detection of a physical presence of a user and, in response, initiating a start-up process on an enterprise device according to a profile associated with the user are described. Thereafter, the system receives authentication credentials at the enterprise device and the user is granted access to the enterprise device after the authentication credentials are verified.

Abstract: A system and method are disclosed for helping a user determine whether a vehicle is subject to a safety recall and assisting the user with addressing incomplete safety recalls. A vehicle identification number (VIN) may be extracted from an image of a vehicle captured by a user electronic device and used to request safety recall information from a remote information system, which may provide a list of recalls associated with the vehicle. A list of nearby service centers may be identified based on the physical location of the user electronic device, and service appointments to address any incomplete recalls may be scheduled, either automatically or in response to user input.

Abstract: An augmented reality structural assessment system may include a display device, at least one sensor configured to generate image data from a structure, and a processor. The processor may receive the image data that represents one or more portions of the structure and receive motion data representative of a number of steps traversed by a user about the structure. The processor may generate a visualization of a scenario related to based on a scenario related to structural damage to the one to the one or more portions of the structure of the image data. The visualization may be presented to a user via the display device, such that the visualization augments a view of the structure via the display device to include the one or more dimensions. The processor may then receive input data regarding one or more assessments of damage to the structure corresponding to the scenario, the image data, and the one or more dimensions, and store the data regarding one or more assessments of damage in a storage component.

Abstract: Techniques for detecting counterfeit checks include using sensors to determine correspondence between items detected on a check using machine vision. Correspondence between different items on a received check is used to generate a check score, which is compared to a risk-based threshold to determine how a transaction involving the check should be handled.

Abstract: A user interface system may include a processor. The processor may perform operations including receiving a wireless signal from multiple wireless devices. The operations may also include determining a signal strength of each wireless signal from each of the multiple wireless devices based on a first set of properties associated with a respective wireless signal. Moreover, the operations may include determining a signal vector of each wireless signal from each of the multiple wireless devices based on a second set of properties associated with the respective wireless signal. Additionally, the operations may include determining a location for each of the multiple wireless devices based on the signal strength and the signal vector. Further, the operations may include pairing one of the multiple wireless devices to the user interface system based on the location for each of the plurality of wireless devices.

Abstract: An image processing system or electronic device may implement processing circuitry. The processing circuitry may receive an image, such as financial document image. The processing circuitry may determine a character count for the financial document image or particular portions of the financial document image without recognizing any particular character in the financial document image. In that regard, the processing circuitry may determine a top left score for pixels in the financial document, the top left score indicating or representing a likelihood that a particular pixel corresponds to a top left corner of a text character. The processing circuitry may also determine top right score for image pixels. Then, the processing circuitry may identify one or more text chunks using the top left and top rights scores for pixels in the financial document image. The processing circuitry may determine a character count for the identified text chunks.

Abstract: A system and method for detecting if a vehicle is being parked in a garage is disclosed. The method includes detecting sensory information at a vehicle and comparing the sensory information with ambient conditions outside of a garage to determine if the vehicle is likely in the garage or outside. The sensory information may also be compared to ambient conditions inside of a garage to determine if the vehicle is likely inside the garage or not. The method also includes sending reminders to vehicle owners who are not using their garage frequently. The method also includes automatically adjusting an insurance policy according the frequency of garage use.

Abstract: Techniques are described for generating metrics about an individual's experience. One of the method describes providing, by at least one processor, the session record as input to at least one computer-processable model that determines, based on the session record, at least one metric for the service session, the at least one model having been trained, using machine learning and based at least partly on survey data for previous service sessions, to provide the at least one metric associated with the individual's experience. The method includes associating, by at least one processor, the metric of the individual's experience with the individual. The method also includes communicating, by at least one processor, the at least one metric for presentation through a user interface of a computing device.

Abstract: Various embodiments of the technology described herein alleviate the need to specifically request enrollment information from a user to enroll the user in a voice biometric authentication program. For example, the system can receive a verbal request or a verbal command and non-voice biometric authentication information from a user. The user can be authenticated via a first authentication method using the non-voice biometric authentication information. After the user is authenticated using the first authentication method, the system enrolls the user into a voice biometric authentication program for at least one portion of the verbal request or the verbal command without requesting enrollment information.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for determining a transfer option for transferring a call. One of the methods includes: dynamically capturing, by the at least one processor, during a call between a first individual and a second individual, one or more keywords from a verbal conversation between the first individual and the second individual during the call; automatically determining, by the at least one processor, a transfer option for transferring the call based on the captured one or more keywords; and transferring, by the at least one processor, the call to a transfer unit specified by the determined transfer option.

Abstract: Methods and systems for verifying a user's identity on a computing device using two-factor authentication are described. More particularly, the system utilizes a personal identification number input by a user, together with one or more of a secure browsing feature, a device fingerprint, and a token generator to authenticate the user on the computer.