Abstract: Aspects of the present disclosure address systems and methods for providing a list of financial filters, receiving, from a user, a selection of one or more of the financial filters and a target geographic area, and applying the selection of the one or more financial filters and the target geographic area to match a set of matched geographic areas from a data store, wherein the matched geographic areas are geographically included as part of the target geographic area. The systems and methods additionally include retrieving financial information, demographic information, or a combination thereof, for the set of matched geographic areas when a match is found, and presenting, via a display, the set of matched geographic areas, the financial information, the demographic information, or a combination thereof.

Abstract: A computer system for implementing a non-fungible token (NFT) as a payment object in a metaverse space. The system includes one or more processors and non-transitory computer-readable storage media encoding instructions which, when executed by the one or more processors, causes the computer system to create: a mint engine programmed to generate an NFT having a unique visual appearance, the NFT being associated with a currency account and including an authorization credential for the currency account; a ledger engine programmed to maintain the NFT on a ledger; a wallet engine programmed to generate a presentation of the NFT in response to a user request, wherein the presentation includes the visual appearance of the NFT to provide a visual representation of the authorization credential; and a transaction engine programmed to access the currency account, based on the authorization credential, in response to a payment request.

Abstract: Systems and techniques for social responsibility load balancer are described herein. First user data for a first user and second user data for a second user is obtained. The first user data is aggregated into a first dataset and the second user data is aggregated into a second dataset. The first dataset and the second dataset are evaluated using a responsibility prediction learning model to determine a set of responsibilities. A target responsibility delta is calculated. The set of responsibilities are processed using a responsibility balancing algorithm to sort the set of responsibilities into the first responsibility assignments and the second responsibility assignments. A current delta is calculated between the first responsibility assignments and the second responsibility assignments. It is determined that the current delta is equal to the target responsibility delta. A user interface is generated to output the first responsibility assignments and the second responsibility assignments.

Abstract: This disclosure describes techniques that include a system for supporting payment, data visibility, action recommendations, and advice pertaining to activities across various commercial entities, applications, and/or consumer/commercial entity relationships. In one example, this disclosure describes a method that includes identifying, by a computing system, interactions with each of a plurality of commercial entities; determining, by the computing system, information about incentive policies for each of the plurality of commercial entities; receiving, by the computing system and from a user device, a request; generate, by the computing system, a recommendation, wherein the recommendation is generated based on the request, the interactions with the plurality of commercial entities, and an analysis of the incentive policies for each of the plurality of commercial entities; output, by the computing system, information about the recommendation to be presented by the user device.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for sharing financial profiles. An example method includes determining, by a financial profile identification engine, a financial footprint of an individual and analyzing, by a financial profile analysis engine, the financial footprint of the individual to identify a financial data conflict between the first set of financial data and the second set of financial data. The example method further includes determining, by the financial profile analysis engine, one or more actions to resolve the financial data conflict and generating, by secure data circuitry, a secured financial update dataset based on a conflict response. The example method further includes transmitting, by communications hardware, the secured financial update dataset to one or more of the first financial institution and the second financial institution.

Abstract: Disclosed are embodiments for pairing wearable electronic devices, such as smart rings. The paired smart rings are configured so as to provide access to certain resources requiring a higher level of security. In some embodiments, a credential is sharable between the two devices. Thus, a bank manager is able to transfer a credential providing access to bank resources to a second bank employee. The bank manager is able to configure is time and/or use limit on the transferred credential. Thus, for example, by transferring the credential, the bank manager is able to delete certain authority to the bank employee while also limiting that authority as appropriate.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for facilitating banking activities via an anonymous digital profile. An example method receiving, by communications hardware, a secured activity request comprising a first identifying metric of an individual and a requested banking activity identifier. The example method also includes determining, by data analysis circuitry, that the individual is not a banked customer. The example method also includes generating, by profile generation circuitry, a digital profile based on the first identifying metric, wherein generating the digital profile does not create a banked relationship with the individual, and wherein the digital profile defines a predefined set of banking activities for which the individual is authorized to perform.

Abstract: Disclosed in some examples are methods, systems, devices, and machine-readable mediums which provide a wearable device, such as a smart ring, that provides feedback to guide users in performing physical tasks. Tasks may include tasks associated with an application executing on a mobile device of the user.

Abstract: Disclosed in some examples are methods, systems, devices, and machine-readable mediums which provide a wearable device, such as a smart ring, that provides feedback to guide users in performing physical tasks. Tasks may include tasks associated with an application executing on a mobile device of the user.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for manufactured dataset generation and management. An example method includes receiving, by communications hardware, a user input set indicating data manufacture requirements. The example method also includes generating, by query generation circuitry, a manufactured dataset library query based on the data manufacture requirements. The example method also includes receiving, by the communications hardware and based on an execution of the manufactured dataset library query, a set of results comprising one or more manufactured datasets of a manufactured dataset library, the one or more manufactured datasets having been previously generated based on one or more previously received user input sets. The example method also includes generating, by dataset generation circuitry, a manufactured dataset based on the set of results.

Abstract: Disclosed in some examples are methods, systems, devices, and machine-readable mediums which provide a wearable device, such as a smart ring, that provides feedback to guide users in performing physical tasks. Tasks may include tasks associated with an application executing on a mobile device of the user.

Abstract: Disclosed in some examples are methods, systems, devices, and machine-readable mediums which provide a wearable device, such as a smart ring, that provides feedback to guide users in performing physical tasks. Tasks may include tasks associated with an application executing on a mobile device of the user.

Abstract: A system includes a network interface circuit and a processing circuit configured to receive a physical currency transaction request from a first user device, the physical currency transaction request including a currency exchange transaction parameter, match the physical currency transaction request to another physical currency transaction request based at least in part on the currency exchange transaction parameter, provide the physical currency transaction request to a second user device associated with the another physical currency transaction request, geo-fence an area based on at least one of the currency exchange transaction parameters or a current location of the first user device, determine an exchange location based on the geo-fenced area and the matched physical currency transaction request and another physical currency exchange request, and provide instructions to the first user device and the second user device for an exchange based on the determined exchange location.

Abstract: In an embodiment, a financial-institution system receives an identity-validation transmission via a real-time-payment platform. The identity-validation transmission is received in association with a first deposit account that is held at a financial institution that is associated with the financial-institution system. The identity-validation transmission was sent via the real-time-payment platform in association with a second deposit account. The identity of an account holder of the second deposit account is validated based at least in part on the identity-validation transmission.

Abstract: Various examples are directed to systems and methods for authorizing a human user to execute transaction at a physical location. A location computing system may receive payment receipt data comprising an indication of a payment made from an account associated with a transaction party to an account associated with the location, and token data associated with the transaction. Based at least in part on the payment receipt data, the location computing system may determine to authorize execution of the transaction with a human user physically present at the location and generate an authorization output indicating that execution of the transaction with the human user is authorized.

Abstract: A system may be configured to initiate a presentation of a user interface to the user; receive, via the user interface, a user selection of a life event; initiate a presentation of an event information user interface to the user; receive, via the event information user interface, life event information associated with the life event selected by the user; retrieve information associated with the life event selected by the user from substantially similar life events; calculate, in real-time, a life event score associated with the life event selected by the user, wherein the life event score is calculated based on at least a retirement score, the received life event information and the information retrieved from the substantially similar life events; and illustrate, via a retirement score interface in a user device, the retirement score and an impact of the at least one life event selected by the user.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to compile projected retirement information of a first user, wherein the retirement information comprises a user profile of the first user. Based on the user profile of the first user, the system generates a projected retirement score. After generating the projected retirement score, the system receives a request to link a user profile for a second user to the user profile of the first user. The system projected retirement information of the second user and combines the projected retirement information of the first user with the projected retirement information of the second user, thus resulting in combined projected retirement information. Using both the projected retirement information, the system updates the projected retirement score.

Abstract: Embodiments of the invention include systems, methods, and computer-program products for scheduling and affecting appointment calendaring based on perceived user requirements. As such, the invention provides for a smart appointment calendaring based on the automatic and real time analysis of a user's financial information, transaction history, navigation history and the like. The system then identifies one or more relevant specialists and schedules one or more appointments. Based on needs identified from analysis of user information, the invention may create an appointment package for the user. Thus, the system may schedule appointments with one or more specialists based on the user's requirements.

Abstract: Embodiments of the invention include systems, methods, and computer-program products for scheduling and affecting appointment calendaring based on dependencies. As such, the invention provides for a dynamic appointment calendaring based on changes in the user's location. The dependencies comprise current and potential future locations and times of a user. The invention continuously monitors the calendars of the user on one or more devices. Further, the invention determines a change in existing appointments or cancellation of an appointment such that the user is newly available at certain time or determines a change in current and potential future locations of the user. Subsequently, the invention then evaluates one or more upcoming future appointments of the user with the financial institution specialists and ascertains the appointment details. The invention then automatically, schedules one or more new appointments at a new time and/or location with relevant specialists.

Abstract: A computing platform may receive a plurality of messages comprising data indicating physical presence of a plurality of customers of a financial institution at a physical banking center location of the financial institution from an indoor positioning system located at the physical banking center location of the financial institution. The computing platform may identify one or more attributes of at least a portion of the plurality of customers of the financial institution at the physical banking center location of the financial institution, and one or more adjustments to a personnel-staffing schedule for the physical banking center location of the financial institution based on at least a portion of the data indicating the physical presence of the plurality of customers of the financial institution at the physical banking center location of the financial institution and the one or more attributes of the at least a portion of the plurality of customers.