Abstract: In certain embodiments, condition-based storing and return of an item associated with a user may be facilitated via a locker system. In some embodiments, attribute information indicating attributes of an item placed in the locker system may be obtained, and the attribute information may be processed to determine a categorization of the item. In response to the categorization satisfying one or more categorization conditions, product/service information related to a product or service may be provided for presentation to the user. In response to receiving user acceptance of the product or service, an item return condition may be assigned to the item. In response to the user satisfying the item return condition, access rights to the item may be enabled for the user.

Abstract: In certain embodiments, condition-based storing and return of an item associated with a user may be facilitated via a locker system. In some embodiments, attribute information indicating attributes of an item placed in the locker system may be obtained, and the attribute information may be processed to determine a categorization of the item. In response to the categorization satisfying one or more categorization conditions, product/service information related to a product or service may be provided for presentation to the user. In response to receiving user acceptance of the product or service, an item return condition may be assigned to the item. In response to the user satisfying the item return condition, access rights to the item may be enabled for the user.

Abstract: In certain embodiments, condition-based storing and return of an item associated with a user may be facilitated via a locker system. In some embodiments, attribute information indicating attributes of an item placed in the locker system may be obtained, and the attribute information may be processed to determine a categorization of the item. In response to the categorization satisfying one or more categorization conditions, product/service information related to a product or service may be provided for presentation to the user. In response to receiving user acceptance of the product or service, an item return condition may be assigned to the item. In response to the user satisfying the item return condition, access rights to the item may be enabled for the user.

Abstract: Systems and methods for debt prevention are disclosed. The system retrieves customer data for a customer and identifies account spending patterns from the customer data. The system also identifies current purchases from the customer data and compares the current purchases to the previous account spending patterns to determine an unusual spending pattern and/or an unusual purchase. The system further compares previous and current bill pay patterns from the customer data to determine a bill payment deviation. Next, the system compares previous and current customer engagement to determine any unusual customer engagement. The system then calculates a predicted payment risk based on any unusual customer engagement, unusual purchases, unusual spending patterns, and/or bill payment deviation. The system then determines one or more remediation tasks based on the payment risk and sends a request to the customer to choose and/or perform the desired remediation task.