Abstract: A touchless 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 collect channel state information associated with a person as they pass through a sensor zone and identify a biometric signal for the person. The system detects whether there is a match between the biometric signal and any biometric signals previously collected and stored in a database. If there is a match, the system verifies an identity of the person and can be configured to automatically grant the person access to one or more services, features, or locations for which he or she is authorized based on the authentication.

Abstract: A flexible chip card such as a credit card or a debit card that incorporates a protective layer that precludes unauthorized access to the chip in the chip card. The protective layer is a highly conductive layer that shields the chip and prevents electromagnetic waves that may be emitted by an illicit device from accessing the chip. This protective layer thus prevents any unauthorized persons from obtaining confidential information from the chip card that may then be used to consummate fraudulent transactions or conduct other illicit activities. In one embodiment, the flexible chip card includes one or more stiffening structures to provide rigidity to the chip card.

Abstract: Methods and systems described in this disclosure for protecting one or more consumer accounts. In one implementation, the system includes a security device and a portable computing device. The portable computing device detects whether it is in proximity to the security device. When the portable computing device is in proximity to the security device, one or more consumer accounts associated with the portable computing device is permitted to be used in a transaction. When the portable computing device is not in proximity to the security device, one or more consumer accounts is prevented from being used in the transaction.

Abstract: A system and method for alerting a driver of a motor vehicle or a person walking along a road or hiking on a trail of potentially dangerous hazards in their path. Hazards may be deep water, ice, oil slicks or other hazards. In the case of a motor vehicle, the system uses cameras mounted on or within the vehicle to detect potential hazards and then analyzes the images combined with the known topography of the location to evaluate the ability of the vehicle to safely traverse the hazard. In the case of a person walking or hiking, the person may use the camera on a personal mobile device to capture images of the hazard and to combine the images with the known topography at the location to evaluate the danger presented by the hazard.

Abstract: A system and method for preventing fraudulent credit card or debit card transactions by coupling a smart phone to the credit card or the debit card, and transmitting identification information from the smart phone to the card. The card is normally disabled such that no transaction may take place unless the card is enabled. The card receives the transmitted identification information and compares that information to corresponding information stored on the card. If the received information matches the stored information, the card is enabled thus allowing the transaction to take place.

Abstract: A system may include a processor that may execute computer-executable instructions that cause the processor to receive caller information regarding an incoming communication from a caller and receive a request from a user to route the incoming communication to a virtual assistant application. The virtual assistant application is configured to interact with the caller and determine whether the caller is associated a fraudulent caller activity stored on databases accessible by the processor. The processor may then receive an indication from the virtual assistant application that the caller is associated with the fraudulent caller activity and forward the incoming communication to another party in response to receiving the indication.

Abstract: The present disclosure relates to monitoring sound in and around a vehicle to predict unsafe driving events, and using the sound information to detect and reduce unsafe driving conditions. A computing device receives information indicative of a sound in or near a vehicle. The sound information may be received via the vehicle itself or via a device. The computing device then determines whether there is an indication of an unwanted driving event. The computing device also receives vehicle operation data extracted from one or more vehicle sensors. The computing device then determines whether there is an indication of unsafe driving conditions, and if there is, the computing device may output a notice or alert via a notification system to alert the driver or, in certain embodiments, other parties via social media, text message, chat programs, and the like.

Abstract: The present disclosure relates to a system, method, and mobile computing device apparatus for detecting the physical presence of a bank customer at a bank branch, and delivering an enhanced customer service experience by anticipating the bank customer's needs. Detection of the bank customer through visual data such as facial recognition, or electronic data such as medium range electronic communication networks to the customer's mobile computing device, allow a bank to retrieve relevant customer profile and customer transaction history data and use that data to deliver communications to the customer even before the customer speaks to a bank teller.

Abstract: Embodiments are described herein for a teller check that includes enhanced security features. In response to a request from a user, a teller check image is generated using a check template and that includes check information in fields of the check template. The teller check also includes a unique visible pattern or unique visible picture in the image that serves as an enhanced security feature. A captured image or received image of the teller check is able to be verified based on data extracted from the unique visible pattern or unique visible picture.

Abstract: A customer management system can be designed to provide an integrated smart graphical user interface. For example, a computing device can receive information that includes a topic of conversation for a chat-based communication; initiate, via a first graphical user interface (GUI), the chat-based communication with another computing device after the information is received; display, via a second GUI, the user profile associated with the person, wherein the second GUI is displayed adjacent to and integrated with the first GUI; determine a relationship between one or more words or phrases received via the first GUI from the first computing device and the additional information in the user profile, where the relationship is determined in real-time or near real-time as the one or more words or phrases are received; and display a visual indicator in the second GUI that shows content in the second GUI that is relevant to the determined relationship.

Abstract: A system for preventing collisions between users of the system. The system includes a central processing server receiving first path information relating to a first user and second path information relating to a second user. The central processing server determines a projected path of each user. The central processing server compares the projected paths identifies points of intersection, which are locations that put the users at risk of a collision. The central processing server sends navigation directions to avoid the collision to the first user.

Abstract: Chip cards that are protected from unauthorized access to information and instructions stored in the chip card's chip by unauthorized persons using illicit devices that emulate chip readers to interrogate the chips in chip cards and obtain or download confidential data stored in the chips. The chip cards are disabled when not ready to be used, such that the chips cannot be accessed by illicit devices, thus protecting the chip card owner and/or issuer from potential losses.

Abstract: Embodiments described herein disclose technology for allocating funds related to one or more in-game purchases when users interact with a gaming application. Based on the interactions of a user with the gaming application running on a client device of the user, a gaming server receives information of an in-game purchase by the user. The gaming server notifies a second computer server of the in-game purchase which sends an activation link to the user. When the second computer detects selection of the activation link, funds are electronically transferred from the gaming application to one or more accounts. In some embodiments, the funds allocated to the one or more accounts can be a percentage of the in-game purchase amount.

Abstract: A live video of a negotiable instrument may be provided to a financial institution so that an image of the negotiable instrument may be obtained from the live video, processed, and funds associated with the negotiable instrument may be deposited in an account of a user. The user may be identified and authenticated to the financial institution by one or more biometric characteristics. One or more biometric characteristics may be used to endorse the negotiable instrument. A holder may be used to hold the negotiable instrument while live video is being taken and provided from a user to a financial institution.

Abstract: Methods and systems described in this disclosure identify a driver of a vehicle. The driver may have a profile indicating vehicle settings, and at least one of the vehicle settings may not be overridden by the driver. The vehicle may be configured according to the vehicle settings in the profile, such that the vehicle may not operate outside of at least one of the vehicle settings that cannot be overridden. An insurance rate for insuring the vehicle may be generated based at least in part on the vehicle settings associated with the profile.

Abstract: A chip card such as a credit card or a debit card that incorporates a protective layer that precludes unauthorized access to the chip in the chip card. The protective layer is a highly conductive layer that shields the chip and prevents electromagnetic waves that may be emitted by an illicit device from accessing the chip. This protective layer thus prevents any unauthorized persons from obtaining confidential information from the chip card that may then be used to consummate fraudulent transactions or conduct other illicit activities.

Abstract: Systems and methods described in this disclosure provide methods and systems for automatic deployment of a vehicle covering apparatus to protect the vehicle from environmental conditions such as severe weather.

Abstract: A system and method for alerting a driver of a motor vehicle or a person walking along a road or hiking on a trail of potentially dangerous hazards in their path. Hazards may be deep water, ice, oil slicks or other hazards. In the case of a motor vehicle, the system uses cameras mounted on or within the vehicle to detect potential hazards and then analyzes the images combined with the known topography of the location to evaluate the ability of the vehicle to safely traverse the hazard. In the case of a person walking or hiking, the person may use the camera on a personal mobile device to capture images of the hazard and to combine the images with the known topography at the location to evaluate the danger presented by the hazard.

Abstract: Systems and methods for processing checks using 2D barcodes are provided. A user submits a digital image of a check that includes a 2D barcode. The 2D barcode has embedded positional information of one or more check features which can be decoded. The 2D barcode can include one or more check parameters. These check parameters can be decoded and used for processing, verification, and/or fraud prevention. Examples of check parameters can include an account indicator if the check is drawn from a business account or a personal account, a maximum amount allowed on the check, account information, a government identifier, or an electronic watermark. The user can submit the digital image of the check to a check processing system.

Abstract: The present disclosure relates to system that includes a database including data associated with one or more building features of a building. The system includes a processor of a computing device. The processor is configured to determine an absolute position of the computing device within the building. The processor is configured to identify at least one of the building features located within a threshold distance of the absolute position of the computing device based on a query of the database. Additionally, the processor is configured to generate an alert configured to cause the computing device to display information associated with the at least one of the building features or output an audible signal associated with the at least one of the building features.