Abstract: An image of a negotiable instrument may be taken by a camera associated with a mobile device and provided from a user to a financial institution via the mobile device. The negotiable instrument 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. The mobile device may process the image prior to sending the image to the financial institution. Additionally or alternatively, the financial institution may process the image.

Abstract: A structure authentication system includes a sensor configured to sense identifying features of a three-dimensional (3D) printed structure and generate identifying feature data based on the identifying features, as well as a processor configured to receive, from the sensor, the identifying feature of the 3D printed structure. The processor is also configured to analyze the identifying feature data along with a non-fungible token (NFT) database that correlates a plurality of NFTs to a plurality of identifying feature data to determine whether the 3D printed structure is associated with an NFT within the NFT database. Additionally, the processor is configured to query a blockchain to determine whether the NFT is authentically associated with the 3D printed structure. The processor is also configured to, in response to determining that the NFT is authentically associated with the 3D printed structure, send a notification to a user device indicating that the 3D printed structure is authentic.

Abstract: Some implementations of the technology relate to anonymizing personally identifiable information (PII) by creating a quick response (QR) code linked to a website that can verify that driver's license information and insurance information of a driver is available and valid, without showing the PII itself. Some implementations can allow another driver in an automobile accident to scan the QR code, enter her own insurance information, and can push the driver's PII to her insurance company. Some implementations can allow the other driver to download an encrypted file with the PII that can be shared with his insurance company. The QR code can be used in other contexts outside of automobile accidents as well, such as when a driver wishes to test drive a car, rent a car, buy a new car, etc., and needs to provide proof of a valid driver's license and insurance coverage.

Abstract: A computing device establishes communication with a financial institution communication device, and receives an instruction for a user to perform an action to authenticate the user. The action includes providing user-provided data indicative of a location. The computing device determines first location information based on the user-provided data. The computing device also determines second location information using a location sensor. The computing device authenticates the used based on determining that the first location information correlates to the second location information.

Abstract: Implementations ingest records across multiple accounts hosted by different service providers and augment the records with metadata. For example, ingesting can include processing the records to identify transactions in the records and to discover additional aspects of the transactions. In some implementations, metadata can be used to augment the identified transactions in the records, where metadata can include a category, a digital receipt, a user tag such as a geotag, and other suitable metadata. The ingesting and augmenting the records can populate a coordination data structure with identified transactions and their associated data elements. These identified transactions can then be queried and a result set of transactions that span the different user accounts can be returned. In some implementations, the transactions can be queried using the augmented metadata, or other suitable pieces of information for the transactions.

Abstract: The APPARATUSES, METHODS AND SYSTEMS FOR A PUBLISHING AND SUBSCRIBING PLATFORM OF DEPOSITING NEGOTIABLE INSTRUMENTS (hereinafter “PS-PLATFORM”) provides a negotiable instrument data publish and subscribe framework, whereby financial institutions may exchange negotiable instrument deposit data and/or validation information within the publish and subscribe framework. In one embodiment, the PS-PLATFORM may register a financial institution as a subscriber and provide financial transaction information to the financial institution based on the subscription.

Abstract: Implementations are disclosed to automatically evaluate, detect, or predict an event, and provide customized virtual assistance to a user based on the event. The implementations include a system capable of pulling data from a client device, detecting an event based on the pulled data, and pushing customized digital resources to the client device based on the detected event.

Abstract: An image of a check that is in the field of view of a camera is monitored prior to the image of the check being captured. The camera is associated with a mobile device. When the image of the check in the field of view passes monitoring criteria, an image may be taken by the camera and provided from the mobile device to a financial institution. The image capture may be performed automatically as soon as the image of the check is determined to pass the monitoring criteria. 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. Feedback may be provided to the user of the camera regarding the image of the check in the field of view.

Abstract: A foundation tilt reporting system includes a lightbulb with one or more emitters configured to emit light. The foundation tilt reporting system also includes one or more sensors configured to generate signals indicative of a current tilt of a foundation of a structure. The foundation tilt reporting system further includes one or more processors and memory storing instructions executable by the one or more processors to cause the one or more processors to access a threshold for the foundation, receive the signals indicative of the current tilt of the foundation from the one or more sensors, compare the current tilt of the foundation to the threshold, and instruct the one or more emitters to emit the light to provide an indication in response to the current tilt of the foundation meeting or exceeding the threshold.

Abstract: Methods and systems described herein are directed to automatedly generating entity-specific notifications of a vehicle accident occurrence for entities. In response to a notification system receiving accident data, the system can determine characteristics for the accident occurrence. Using these characteristics, the system can then determine parameters for the notifications defining types of entities which ought to be recipients in accordance with the characteristics. The system can use these parameters to locate specific entities that match the parameters. Having determined the entities, the system can issue notifications to the entities, using templates specific to the entities and with accident characteristics added.

Abstract: A call processing system and method for processing calls from high volume callers. A frequency of call activity is monitored for callers to determine reception of a call from a high frequency caller. When a call is received from such a caller, provided is information predicted to be requested from the caller prior to the caller being voice connected to a company representative. The retrieved information is then provided to a company representative prior to the caller being voice connected with a company representative as to expedite the call. Additionally, a customized message for the high frequency caller may be generated prior to the caller being voice connected with a company representative whereby the customized message contains information predicted to be responsive to a predicted inquiry from the determined high frequency caller to mitigate the need to connect the caller to a company representative.

Abstract: A user specific tic behavior detection-based method and system of performing an authentication of video of a person in order to authorize access to a secured resource. The user provides audio and/or video data in which they exhibit one or more tic behaviors. When a person later requests access to the user's account, the system and method are configured to capture a video and/or audio recording of the person requesting access. The data is evaluated to determine whether the previously detected tic behavior is present. If the tic behavior is present, the system determines the image or voice is authentic and can verify an identity of the person. In some cases, the system can further be configured to automatically grant the person access to one or more services, features, or information for which he or she is authorized.

Abstract: A system and method for helping a user carrying a smart device to maintain safe distances from other persons during an epidemic or a pandemic. A portable smart device measures the approximate distance to persons in the vicinity of the user, and notifies the user whenever he or she is too close to other persons. The portable smart device may overlay augmented reality graphics (such as arcs, lines, text, numbers, or other graphics) over images captured by the smart device's camera, to indicate safe distances. The graphics serve to inform and/or warn the user that he or she may be getting too close to other persons.

Abstract: A sound-based method and system of performing an authentication of a person in order to permit access to a secured resource is disclosed. The system and method are configured to transmit an audio signal to a remotely located smart device. When the smart device produces the audio signal, a nearby computing device captures the audio signal and provides the captured audio data to an authentication platform. The audio data is compared to the transmitted audio signal. The system can determine whether there is a match between the captured audio data and the transmitted audio data. If there is a match, the system verifies an identity of the person and can further be configured to automatically grant the person access to one or more services, features, or information for which he or she is authorized.

Abstract: A user identification system includes one or more processors configured to receive a first indication of a vehicle identity of a vehicle at an entrance of a location and retrieve a user profile associated with the vehicle identity from a user profile database. The user profile includes one or more user identities of one or more users authorized to enter the location. The one or more processors are configured to receive a second indication of a current user identity of a current user positioned in the vehicle, determine that the current user identity corresponds to a particular user identity of the one or more user identities, and output a control signal indicative of instructions to enable access to the location in response to the current user identity corresponding to the particular user identity.

Abstract: Magnetic stripe cards including a skimmer detection mechanism detect unauthorized access to data and information stored on a magnetic strip of a magnetic stripe card by illicit card skimming devices. In one embodiment, a method of detecting an unauthorized scan of confidential data encoded on a magnetic strip portion of a magnetic stripe card having a skimmer detection mechanism includes detecting a scan of the magnetic strip portion, measuring a parameter associated with the scan of the magnetic strip portion by the skimmer detection mechanism, and comparing the measured parameter to a baseline value associated with the parameter. Upon determining that the parameter exceeds the baseline value, an unauthorized scan of confidential data encoded on the magnetic strip portion of the magnetic stripe card is detected.

Abstract: A system includes a computing device comprising a processor and a memory. The processor is configured to receive: vehicle data associated with a vehicle associated with a user, where the vehicle data is indicative of characteristics of the vehicle, maintenance recommendation data indicative of vehicle maintenance recommendations for the vehicle, maintenance service data indicative of maintenance services performed on the vehicle, and activity data associated with operation of the vehicle. The processor may then identify a maintenance service to be performed on the vehicle based on the received data and send a notification to a user computing device with an indication of the maintenance service to be performed.

Abstract: A safety deposit box facility that allows for 24/7 remote access by authorized personnel to their safety deposit boxes via an on-site robot. The facility includes safety deposit boxes that can be opened along one side by the robot, and on the other side by the authorized person. In some embodiments, the authorized person may request a remote access event in which they can view the contents of their safety deposit box via a camera associated with the robot, and/or request a secure delivery of one or more items disposed in their safety deposit box.

Abstract: A system and method for call routing based on measuring and applying a digital intensity metric to interact with a user of a provider system is disclosed. Specifically, the embodiments provide systems and methods that allow users to place a voice call to the system. The system receives the voice call from a calling user. The system obtains transaction information and processes the transaction information to summarize the transaction information for the user. The system uses the processed information to calculate a digital intensity metric, and the user is classified as a rare user based on the digital intensity metric. The user is then routed to a special member service representative, user information is provided to the member service representative, consent documents are provided to the user, and executed consent documents are received from the user.

Abstract: A computer system and method having a user interface including a touch-sensitive display screen. The system and method enables entry of a password which includes displaying a first array of a plurality of images on the touch-sensitive display prompting a user to select with a finger one of the plurality of images displayed. Subsequently at least another array of a plurality of images successive to the first array is displayed on the touch sensitive display prompting a user to select with a finger one of the plurality of images displayed in the another array of images. A computer processor then determines if a user selected a predetermined image from the first array of the plurality of images and a predetermined image from each at least another array of plurality of images displayed after the first array. If determined, the user is permitted access to an application executable on the computer system.