Abstract: An alignment guide may be provided in the field of view of a camera associated with a mobile device used to capture an image of a check. When the image of the check is within the alignment guide in the field of view, an image may be taken by the camera and provided from the mobile device to a financial institution. The alignment guide may be adjustable at the mobile device. The image capture may be performed automatically by the camera or the mobile device as soon as the image of the check is determined to be within the alignment guide. The check may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used.

Abstract: Techniques are described for client registration for authorizing an aggregator service to access data on behalf of an application, through self-registration of an application client identifier and issuance of authorization token(s) based on the application client identifier. Implementations provide a technique for dynamic client registration that avoids the need for manual vetting and manual generation of the client credential grant. Additionally, the implementations described herein enforce domain values around the scope and/or purpose of the client grant. This allows for support of application providers through a single point of registration that supports multi-layer and channel. This also allows for support of a scalable authorization solution for any suitable number of clients. The dynamic client registration process adds an additional layer of security through the OAuth client grant and mutual authentication.

Abstract: Implementations of the present disclosure include receiving transaction data for a transaction that is to be executed by a computer-implemented person-to-person (P2P) payment system, the transaction data including a unique account identifier uniquely identifying an account of a first user among a plurality of accounts of the first user, and an amount to be transferred to the account from a second user, processing the transaction data to execute the transaction, and transmitting notifications to each of the first user and the second user, the notifications providing information regarding the transaction.

Abstract: A digital image of a check may be divided into segments. The segments may be processed to determine the edges between the background data and the check data in the segments of the digital image. A histogram of each segment may be determined and used to determine the edges of the check image portions in the segments and thus the edges of the check. The data outside the edges of the check image portions in the segments may be considered to be background data and may be identified and/or removed. The segments, with the background data removed, may be recombined into an image of the check and provided into a digital image file that may be transmitted to an institution system for deposit of the check in an account.

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: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for crisis communications. One of the methods includes establishing a secure connection between a crisis communications management system and a device. The method includes receiving, over the secure connection, a status update about a crisis situation. The method includes identifying a plurality of devices associated with team members assigned to the crisis. The method also includes pushing the status update to each of the plurality of mobile devices.

Abstract: A system and method for providing virtual banking transactions are disclosed. The system comprises a kiosk with an enclosing structure where a user or member of a bank can go to conduct business including various banking transactions. Within the enclosing structure, an interactive system includes a display where a virtual associate can be shown. The interactive system includes slots that can be used to pass documents between the physical and virtual parts of the system.

Abstract: A method of automatically detecting damage following a loss causing incident is disclosed. The method includes capturing image information about a group of physical objects in their initial states and comparing these with image information about the group of physical objects in their modified states following a loss causing incident. The method includes detecting discrepancies between the initial and modified states and automatically assesses the degree of damage and/or loss.

Abstract: A payment card security system includes a payment card provider account system communicatively coupled to a payment card transaction device and a mobile device. The payment card transaction device sends an indication that a payment card is being used to perform a transaction. The payment card provider account system includes processors that receive the indication that the payment card is being used to perform the transaction from the payment card transaction device. The processors also send a notification indicating that the payment card is being used to perform the transaction. The processors further enable authorization of the transaction via the mobile device. In this manner, the payment card security system may prevent or reduce the occurrence of suspicious transactions as they are occurring, rather than waiting until after they have occurred.

Abstract: Methods and systems described in this disclosure describe generating a travel smartlist. In some implementations, the system can receive a location of travel and a date associated with the travel. The system can generate objects based on the location of the travel and the date and can organize the objects by categories and timeframes, the timeframes being in relation to the date. The system can cause a graphical user interface to display objects associated with a first category horizontally and display objects associated with a second category horizontally below the objects associated with the first category when a first timeframe is selected.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for an early fraud detection system. One of the methods includes generating a tracker for a personal communication with a user. The method includes transmitting the personal communication to the user. The method also includes receiving a request identifying the tracker, wherein the request originates from an address. In addition, the method includes detecting a potential security breach based on the address.

Abstract: The described embodiments contemplate a system, method and computer readable medium with computer-executable instructions for recording information relating to an accident. In one exemplary and non-limiting embodiment, once an accident is detected, a storage file is created, and information relating to the accident is stored in the storage file. In another exemplary and non-limiting embodiment, an insurance company may process a claim by receiving a notification that an accident has occurred, transmitting a request to record information relating to the accident, receiving the information, establishing an accident record, and processing an insurance claim. In another exemplary and non-limiting embodiment, an accident is detected, primary accident information is transmitted from a first recording device, a communication link is established between the first recording device and a second recording device, and a request is transmitted to the second recording device to transmit secondary accident information.

Abstract: Techniques are described for managing a network through use of a security device that includes, or has access to, a blockchain node. The security device may manage a network of Internet-of-Things (IoT) devices in a home or other environment. The security device may act as an intermediary to manage secure, trusted communications between the IoT device(s) and external service(s). The security device may also provide network security features such as a network firewall. In some implementations, the security device may run a blockchain node, and the blockchain could be used to establish a verifiable home identity. The security device may interact with external resources and/or services, such as utility services, e-commerce services, and so forth, through this secure mechanism.

Abstract: Techniques are described for user authentication based on a signal that is transmitted through an individual's body, and detected using device(s) in physical contact with the individual. A signal, such as an electrical signal or a vibrational signal, may be transmitted from a first device and received by a second device that is in physical contact with the individual. The received signal may be employed to determine a body signature for the individual. The body signature may identify the individual among a population of individuals, given the particular alterations to the propagating signal caused by the individual's physiology. Accordingly, the body signature may be employed as a form of biometric data that is useable to authenticate the individual to access a secure area, log in to a device or an application, or for other purposes.

Abstract: A notification is received that a first user device and a second user device would like to share a data set. The data set is retrieved from a database. A first security level associated with the first user device and a second security level associated with the second user device is retrieved. The data set is provided to the first user device and the second user device in accordance with the first security level and the second security level.

Abstract: Infrastructure is disclosed for optimizing performance and minimizing errors during normal operation of replicated data centers. In some implementations, systems that are replicated in each data center under a common IP address may have service requests routed to them using routing tables that favor one of the systems. The routing tables may prefer the system that resides in the data center where the service requests originated, or they may prefer the system that meets other criteria. Other systems replicated in the data center may have service requests routed to them using configuration tables that favor one of the systems. The configuration tables may also prefer the system that resides in the data center where the service requests originated, or they may prefer the system that meets other criteria. This arrangement helps optimize performance during normal operation and minimize potential for disruption of service should one of the data centers fail.

Abstract: Various embodiments of the present disclosure generally relate 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: The systems, methods, and devices disclose a transducer system located in a room or in an area to provide an alert to one or more persons. The transducer system includes at least a receiver, a processor and a speaker. The receiver receives an alert message sent from an alarm system or from another transducer system. The processor is configured to determine, from a plurality of notification messages, a notification message based on the alert event indicated by the alert message. Each of the plurality of notification messages corresponds to a different alert event, and each of the plurality of notification messages includes information to vibrate a speaker according to a different pre-determined vibration pattern. The speaker is moveable to generate a vibration pattern according to the determined notification message to inform a person about the alert event, wherein the speaker generates the vibration pattern in a low-frequency range.

Abstract: The present disclosure provides a system and method for online brand continuity. Online brand continuity can include a number of Internet or intranet access points via which one or more network addresses can be advertised. A client can be provided with availability of a business image application via at least one of the Internet or intranet access points.

Abstract: Methods and systems are disclosed for processing insurance claims in a manner that reduces or eliminates a need for an adjuster visit an insured person or property of the insured person. The method includes receiving a query from an insured regarding a claim and determining if the insured has a mobile device with a video camera capable of streaming video to the insurance claim processing system. If a mobile device capable of streaming video is available, the system generates an electronic invitation to a one-way streaming video session and transmits the electronic invitation to the mobile device. Upon acceptance, the system initiates the one-way video session, receives real-time streaming video, and appends received video from the real-time streaming video to a claim workfile. In alternative implementations, the system can remotely control the camera and other features of the mobile device during the one-way streaming video session.