Abstract: A method includes receiving a request to open an account associated with a customer, information regarding the account, and a mobile device identifier. The mobile device identifier is received from a third-party computing system based on a first wireless communication between the mobile device and the third-party computing system. The method includes validating the mobile device as belonging to the customer based on the received mobile device identifier and binding the mobile device identifier to the customer based on the validation. The method includes establishing the account for the customer based on the received information regarding the account and generating a token for the account. In response to establishing the account and generating the token, the token is provided to the third-party computing system and provisioned to the validated mobile device via a second wireless communication between the mobile device and the third-party computing system.

Abstract: A system includes a portable locker configured to contain contents and a remote server. The portable locker is configured to prevent access to the contents until the portable locker arrives at a preset destination from a starting location and notify a remote server in response to a determination that the portable locker is not within a threshold range of a user device during transit to the predefined destination.

Abstract: Systems and methods for mutual authentication of a user and a container administrator computer system. A container administrator computer system receives a request from a mobile computing device for a user to access a secure container. The request includes a user identifier. The administrator system receives a first authentication factor corresponding to the user. The administrator system authenticates the user by verifying that the first authentication factor matches a first reference authentication factor associated with the user identifier. The administrator system sends a second authentication factor associated with the administrator system to a human-machine interface associated with the secure container or the mobile computing device. The administrator system receives a notification of authentication of the administrator system using the authentication factor. The administrator system transmits an unlock signal to unlock the secure container.

Abstract: A provider computing system includes a processing circuit comprising one or more processors coupled to one or more memories having instructions stored thereon that, when executed by the one or more processors, cause the one or more processors to receive an indication from a user device that an automated teller machine (ATM) is compromised. The instructions, when executed by the one or more processors, further cause the one or more processors to generate, upon receiving the indication that the ATM is compromised, a reward message including a reward for reporting the ATM as being compromised. The instructions, when executed by the one or more processors, further cause the one or more processors to transmit the reward message to the user device.

Abstract: Examples described herein relate to apparatuses and methods of providing automated teller machine (ATM) status notifications. A method includes detecting a signal near an ATM, determining that the signal is indicative of the ATM being comprised, calculating a compromise score based at least on the determination that the signal is indicative of the ATM being compromised, and displaying an image on a user interface of the user device in a manner that reflects the compromise score.

Abstract: Disclosed herein are systems and methods for executing a transaction via a locker. A seller is provided initial access to the locker to deposit a good in the locker. The seller deposits the good in the locker. Following the seller depositing the good in the locker, the seller's access is revoked, and the buyer is provided access to the locker. The buyer may then arrive at the locker and provide authentication information to an authentication device. When the buyer is authenticated, the locker door (with the good inside the locker) is unlocked. The buyer can then inspect and accept the good. When the good is accepted, funds may be transferred from an account associated with the buyer to an account associated with the seller.

Abstract: A method implemented on a visual computing device to authenticate one or more users includes receiving a first three-dimensional pattern from a user. The first three-dimensional pattern is sent to a server computer. At a time of user authentication, a second three-dimensional pattern is received from the user. The second three-dimensional pattern is sent to the server computer. An indication is received from the server computer as to whether the first three-dimensional pattern matches the second three-dimensional pattern within a margin of error. When the first three-dimensional pattern matches the second three-dimensional pattern within the margin of error, the user is authenticated at the server computer. When the first three-dimensional pattern does not match the second three-dimensional pattern within the margin of error, user is prevented from being authenticated at the server computer.

Abstract: Various embodiments, relate to a system of lockers including a plurality of tracks and a plurality of walls. At least two of the plurality of walls slidably coupled to at least two of the plurality of tracks. Four of the plurality of walls form four sides of a locker cavity. The system also includes a plurality of doors. Each of the plurality of doors are oriented perpendicular to the plurality of the walls. A first door of the plurality of doors is coupleable to a second door of the plurality of doors so as to form a third door, and at least one of the plurality of doors form one side of the locker cavity. The system also includes a back wall, which forms one side of the locker cavity. The system further includes a lock for securing positions of the plurality of walls and of the plurality of doors.

Abstract: A method performed by an issuer computing system includes receiving identification information for a customer from a retailer computing system. The customer is pre-approved for a payment account based on the identification information. A request to open the pre-approved payment account is received. Account registration information for opening the payment account and a mobile device identifier associated with the customer is received. The customer is approved for opening the payment account based on the account registration information. The payment account is established for the customer. Establishing the payment account includes generating a payment token for the payment account. In response to establishing the payment account, the payment token is automatically provisioned to a mobile wallet associated with the mobile device based on the mobile device identifier.

Abstract: Systems and methods relating to a lockbox bank for currency drop-offs are provided. A lockbox bank includes one or more lockboxes, a safe coupled to the one or more lockboxes, and a terminal of a lockbox computing system. Each lockbox includes a receptacle configured to receive a currency drop-off and a locking mechanism. The terminal includes a network interface, a display device, one or more input/output devices, and a processing circuit including a processor and a memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive a request from the customer to use a lockbox for a currency drop-off, receive access credentials, verify the access credentials, in response to successful verification, grant the customer access to a lockbox, and in response to determining that the drop-off has been completed, move the drop-off from the receptacle to the safe.

Abstract: A system includes a plurality of portable lockers. Each of the portable lockers includes a lockable compartment configured to contain contents. The system also includes a docking station that includes a vault configured to secure the plurality of portable lockers, a user input device configured to receive a request from a user to take a first portable locker of the plurality of portable lockers, a biometrics sensor configured to collect a biometric from the user, and a processing circuit. The processing circuit is configured to determine, based on the biometric, whether the user has permission to take the first portable locker and control the vault to release the first portable locker to the user in response to a determination that the user has permission to take the first portable locker.

Abstract: A method implemented on a visual computing device to authenticate one or more users includes receiving a first three-dimensional pattern from a user. The first three-dimensional pattern is sent to a server computer. At a time of user authentication, a second three-dimensional pattern is received from the user. The second three-dimensional pattern is sent to the server computer. An indication is received from the server computer as to whether the first three-dimensional pattern matches the second three-dimensional pattern within a margin of error. When the first three-dimensional pattern matches the second three-dimensional pattern within the margin of error, the user is authenticated at the server computer. When the first three-dimensional pattern does not match the second three-dimensional pattern within the margin of error, user is prevented from being authenticated at the server computer.

Abstract: Examples described herein relate to apparatuses and methods of providing automated teller machine (ATM) status notifications using augmented reality. A method includes capturing, by a user device, an image of the ATM, determining a probability that the ATM has been compromised, augmenting the image of the ATM in a manner which reflects the probability that the image has been compromised, and displaying the augmented image on a user interface of the user device.

Abstract: Systems and methods for mutual authentication of a user and a container administrator computer system. A container administrator computer system receives a request from a mobile computing device for a user to access a secure container. The request includes a user identifier. The administrator system receives a first authentication factor corresponding to the user. The administrator system authenticates the user by verifying that the first authentication factor matches a first reference authentication factor associated with the user identifier. The administrator system sends a second authentication factor associated with the administrator system to a human-machine interface associated with the secure container or the mobile computing device. The administrator system receives a notification of authentication of the administrator system using the authentication factor. The administrator system transmits an unlock signal to unlock the secure container.

Abstract: A computer-implemented method performed by a computing system includes gathering payment history data for a payment account, held by a customer with an accounts provider, by at least one of data mining the payment history data from a database associated with the accounts provider or screen scraping the payment history data, wherein the payment account is associated with payment information. The method also includes identifying a subset of the payment history data that relates to online payments, analyzing the subset of the payment history data to identify characteristics of the online payments made from the payment account, and, based on the characteristics, determining one or more third parties that are likely storing the payment information. The method further includes displaying a list of the one or more third parties to the customer.

Abstract: Systems and methods relating to a lockbox bank for currency drop-offs are provided. A lockbox bank includes one or more lockboxes, a safe coupled to the one or more lockboxes, and a terminal of a lockbox computing system. Each lockbox includes a receptacle configured to receive a currency drop-off and a locking mechanism. The terminal includes a network interface, a display device, one or more input/output devices, and a processing circuit including a processor and a memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive a request from the customer to use a lockbox for a currency drop-off, receive access credentials, verify the access credentials, in response to successful verification, grant the customer access to a lockbox, and in response to determining that the drop-off has been completed, move the drop-off from the receptacle to the safe.

Abstract: A system includes a plurality of portable lockers. Each of the portable lockers includes a lockable compartment configured to contain contents. The system also includes a docking station that includes a vault configured to secure the plurality of portable lockers, a user input device configured to receive a request from a user to take a first portable locker of the plurality of portable lockers, a biometrics sensor configured to collect a biometric from the user, and a processing circuit. The processing circuit is configured to determine, based on the biometric, whether the user has permission to take the first portable locker and control the vault to release the first portable locker to the user in response to a determination that the user has permission to take the first portable locker.

Abstract: Systems and methods are structured to impart an emotional connection to a goal and to generate customized, appropriate challenges that maintain participant engagement by handicapping certain parameters. In one embodiment, a financial health computing system is configured to: generate a first profile for a first participant; generate a first goal for the first participant, the first goal comprising a first plurality of milestones and a first plurality of rewards; assess a participant's progress based on a first status item; and generate an advisory alert for the first participant based on the first status item. The advisory alert comprises a recommended financial health activity and is configured to accept a user input for directing an auxiliary system to perform the recommended financial health activity. The first goal and the first plurality of rewards are customized to the first participant based at least in part on the first profile.

Abstract: Various embodiments, relate to a system of lockers including a plurality of tracks and a plurality of walls. At least two of the plurality of walls slidably coupled to at least two of the plurality of tracks. Four of the plurality of walls form four sides of a locker cavity. The system also includes a plurality of doors. Each of the plurality of doors are oriented perpendicular to the plurality of the walls. A first door of the plurality of doors is coupleable to a second door of the plurality of doors so as to form a third door, and at least one of the plurality of doors form one side of the locker cavity. The system also includes a back wall, which forms one side of the locker cavity. The system further includes a lock for securing positions of the plurality of walls and of the plurality of doors.

Abstract: Examples described herein relate to apparatuses and methods of providing automated teller machine (ATM) status notifications using augmented reality. A method includes capturing, by a user device, an image of the ATM, determining a probability that the ATM has been compromised, augmenting the image of the ATM in a manner which reflects the probability that the image has been compromised, and displaying the augmented image on a user interface of the user device.