Abstract: Systems, methods, and computer-readable media are described for dispensing consumable products. An example method may include generating, at a controller associated with a beverage dispenser, a beverage composition record for a beverage that is formulated via an ingredient matrix and dispensed at the beverage dispenser, where the ingredient matrix comprises multiple ingredient packages each comprising a beverage ingredient. The method may include writing depletion data to the ingredient package or to a data processing device associated with the ingredient package for each ingredient package from which a beverage ingredient was included in the dispensed beverage, wherein the depletion data is based at least in part on the beverage composition record.

Abstract: A computing system includes a network circuit enabling the computing system to exchange information over a network, a customer database storing information pertaining to various user accounts pertaining to a plurality of users, and a risk assessment circuit. The risk assessment circuit is configured search at least one data source to identify a user attribute, determine that the user attribute bears a relationship to a first security credential that is either associated with or potentially associated with a user account, generate a security prompt responsive to the determination, and transmit the security prompt to a user computing device associated with the user.

Abstract: A computer-implemented method includes identifying an individual having a prior interaction with a target customer, generating a risk score for the identified individual based on information regarding the regarding the individual, the information regarding the individual either being stored in a database associated with a financial institution computing system or at an external computing system, determining that the risk score is above a predetermined threshold, receiving an indication of a potential interaction between the target customer and the identified individual, and transmitting an alert to a customer computing device associated with the target alert in response to receiving the indication and the risk score being above the predetermined threshold, the alert notifying the target customer that the identified individual is likely to defraud the target customer.

Abstract: A system, method, and apparatus using a server system associated with an global network payment system, including a processor and a memory having instructions stored in non-transitory machine-readable media, the instructions executable by the processor, is provided. The server system is structured to generate a web-based payment card by appending a web-based payment card prefix corresponding to the global network payment system to an account number associated with a customer account. The server system is also structured to receive an electronic transaction record from a financial transaction router, wherein the electronic transaction record includes packaged web-based payment data, the packaged web-based payment data including at least the web-based payment card prefix and the account number comprised in the web-based payment card. The server system is further configured to identify a customer account based on the electronic transaction record and process a payment from the customer account.

Abstract: This disclosure is directed to techniques that include automatically researching information about personal or business contacts for a relationship manager or other person, proposing relationship actions to be performed for such contacts, and/or executing relationship actions on behalf of the relationship manager. A method may include receiving, by a computing system, information about a plurality of contacts; storing, by the computing system, the information about the plurality of contacts; monitoring, by the computing system, a plurality of information sources to identify, based on the stored information, further information associated with at least one of the plurality of contacts; determining, by the computing system, and based on the identified further information, a proposed relationship action for a target contact; outputting, by the computing system and for display, a user interface that includes information about the about the target contact and the proposed relationship action.

Abstract: Examples described herein relate to apparatus and methods for managing rewards for a customer of a financial institution, including but not limited to, determining a transaction pattern associated with transactions made by the customer, determining a deviation from the transaction pattern, determining an event associated with the customer based on the deviation, and determining rewards that correspond to the event for the customer.

Abstract: Examples described herein relate to apparatus and methods for transferring funds based on location including, but not limited to, receiving, by a financial institution computing system, a location-based transfer request from a first user device associated with a first user, wherein the location-based transfer request comprises at least an identification of a location, a transfer amount, and an identification of a second user, wherein the second user is a recipient of the location-based transfer request, determining, by the financial institution computing system, that a second user device is at the location, wherein the second user device is associated with the second user; and in response to determining that the second user device is at the location, initiating, by the financial institution computing system, a transfer of the transfer amount to an account associated with the second user.

Abstract: Disclosed herein is a computer-implemented method and related system for operating a virtual computer assistant (VCA) system of a service provider system. The method includes activating a switch to connect a communication link of the system from a human assistant (HA) to a customer and conveying first communications over the communication link to the customer from the HA. The method automatically detects a switching event according to a switching rule stored in a switch rules database stored in a memory of the system while the communication link to the HA is active. The method activates the switch to connect the communication link from the customer to a VCA after the conveying of the first communications, and then conveys second communications over the communication link to the customer from the VCA.

Abstract: A method for securely transporting items in an autonomous vehicle (AV) between travel destinations includes implementing an electronic ledger on an electronic computing device. One or more electronic codes for are stored in the electronic ledger for controlling access to a physical container that can be secured in the AV. One or more destination addresses for the AV are stored in the electronic ledger. After receiving an access code that matches one of the one or more electronic codes, the physical container is secured in the AV. A destination address is obtained from the electronic ledger. The AV is directed to transport the physical container to the destination address.

Abstract: Depositing and retrieving articles in/from security boxes held in secure, remote repositories is facilitated by providing an integrated system for article owners, people with permission to access articles, storage trustees, and transport trustees that securely transports articles from a repository to a meeting point at which the owner or other authorized accessor can retrieve the article(s). The boxes can contain multiple compartments for different articles. Access permissions can vary from article to article, and an inventory of articles and their access permissions can be maintained.

Abstract: The present invention relates to a beverage making machine comprising a first beverage making cartridge comprising at least one of a gas source portion, the gas source portion contains a solid gas source that through sublimation emits a gas, and a gas storage tank arranged to store the gas emitted from the solid gas source. The beverage making machine further comprising a second beverage making cartridge comprising at least one of a micro ingredient, a beverage diluent receptacle for receiving a beverage diluent liquid, a dissolver dissolves portion of the gas, from the gas storage tank, into the beverage diluent liquid, and a dispenser selectively dispenses a predefined ratio of at least one of the micro ingredient and the beverage diluent liquid, to form a beverage. Exemplary embodiments include a computer control arranged to receive a beverage selection from a consumer and control the beverage making machine to form beverages.

Abstract: A method of creating customized beverage products includes providing a multiple stream filing system suited for producing an array of beverage products. The method also includes receiving an order for a customized beverage product from the array of beverage products. The order indicates at least one characteristic of the customized beverage product. The at least one characteristic comprises one or more of the following: a beverage formulation, a beverage additive, a package size, a package shape, or label content. The method further includes instructing the multiple stream filling system to produce the customized beverage product. The multiple stream filing system produces the customized beverage product without performing an operation to reduce contamination of the customized beverage product with ingredients from a previously produced beverage product.

Abstract: A method implemented in an autonomous vehicle (AV) for facilitating property hunting includes receiving a first command to direct the AV to a geolocation of an individual. An itinerary is received for a property hunting trip for the individual in a geographical area. The itinerary includes a plurality of properties. After the individual enters the AV, a second command is received from the individual to direct the AV to a geolocation of a first property on the itinerary. Feedback is received from the individual regarding the first property. An adjustment to the itinerary based on the feedback is received.

Abstract: Embodiments of the disclosure include systems and methods for providing dynamic ingredient matrix reconfiguration in a product dispenser. In one example, a method for configuring a dispenser apparatus may include determining one or more current associations between some or all of a plurality of ingredient packages and one or more of a plurality of dispensing devices associated with the dispenser apparatus. The method may include determining whether a current association of the one or more current associations has changed with respect to at least one previous association between some or all of the plurality of ingredient packages and one or more of the plurality of dispensing devices, and in response to ascertaining that the current association has changed, modifying an association table based at least on the one or more current associations, the association table being representative of the at least one previous association.

Abstract: Profile information describing an attribute of a user is received from a network based service. Selection of a goal relating to the attribute is received from the user. A start point with respect to the goal is determined based on the profile information, and a path from the start point to the goal is determined utilizing a planning algorithm. A map is generated based on the path, which is visually represented on the map. At least one GUI descriptor is created, specifying instructions for rendering a user-specific GUI that displays the map.

Abstract: Various examples are directed to computer-implemented systems and methods for graphical representation of financial account outflow. The method includes obtaining, by a processor of a computer, a transaction of an account holder including an amount and frequency of the transaction, and categorizing the transaction on a continuum of discretionary spending and fixed expense spending. The transaction is displayed by the processor on a user interface using a graph having an x-axis providing a frequency of the at least one transaction, and a y-axis indicating the categorization of the transaction. The transaction is displayed as a bubble on the graph, where the bubble has a diameter that is proportional to the amount of the transaction.

Abstract: A system and related method manage a collaboration portal. The method comprises receiving, from a transferor resource, transfer information, which comprises identification of resources for a future transfer, identification of transferees comprising the transferees to whom the resources will transfer to in the future, transfer instructions related to the future transfer of the resources to the transferees, and access instructions that allow the transferees to access the resource transfer information. The resource transfer information is stored in a memory of the collaboration portal. The method further comprises, receiving, from a transferee, via a network interface, a request to access the resource transfer information, and providing, to the transferee, limited access to the resource transfer information based on the access instructions, using a processor of the collaboration portal.

Abstract: Embodiments of the disclosure include systems and methods for providing dynamic ingredient matrix reconfiguration in a product dispenser. In one example, a method for configuring a dispenser apparatus may include determining one or more current associations between some or all of a plurality of ingredient packages and one or more of a plurality of dispensing devices associated with the dispenser apparatus. The method may include determining whether a current association of the one or more current associations has changed with respect to at least one previous association between some or all of the plurality of ingredient packages and one or more of the plurality of dispensing devices, and in response to ascertaining that the current association has changed, modifying an association table based at least on the one or more current associations, the association table being representative of the at least one previous association.

Abstract: Systems and methods for negotiating media payments paid to a consumer traveling in a vehicle include delivering sponsored media content to a device in the vehicle. In exchange for listening to the sponsored media content, a media payment is transmitted to a financial account associated with the user. In some embodiments, the media payment is higher when the sponsored media content has more geographic relevance to the consumer's location in the vehicle.

Abstract: Embodiments of the invention can provide systems and methods for electronic transaction auditing and accountability. In one embodiment, a method of providing electronic transaction auditing can be implemented. The method can include determining at least one unique identifier associated with a respective transaction. The method can also include communicating the at least one unique identifier to a destination server. In addition, the method can include receiving data associated with an electronic transaction and at least one unique identifier corresponding to the unique identifier previously communicated to the destination server and associated with the respective transaction.