Abstract: Purchasing, maintaining, and deriving revenue from mobile autonomous units is facilitated by providing a mobile autonomous unit marketplace in which equity shares in mobile autonomous units can be bought, sold and traded. Valuation of mobile autonomous units within the marketplace can be a function of a variety of factors such as the mobile autonomous unit's primary geographic region, and the number, diversity, and time management of revenue streams available to the mobile autonomous units.

Abstract: The validity of a mail item containing a monetary solicitation is determined. An image is received of the mail item and the image is analyzed to identify a plurality of data fields within the mail item. The validity or invalidity of the data within each of the plurality of identified data fields is then established, and a user-interactive image overlay is generated for the image of the mail item that includes a validity indicator for each of the plurality of identified data fields. The validity indicator is representative of the validity or invalidity of the data within each of the identified plurality of data fields. The user-interactive image overlay is sent to a user device to display the image of the mail item.

Abstract: A computer-implemented method includes monitoring, by a mobile wallet computing system, a context of a user having a mobile wallet on a user mobile device, determining whether one or more rules for each one or more sub-wallets associated with the mobile wallet on the user mobile device are fulfilled based on the monitored context of the user, in response to at least one of the rules associated with a predefined sub-wallet being fulfilled, provisioning the predefined sub-wallet to the mobile wallet on the user mobile device, configuring a removal rule for the predefined sub-wallet, and removing the predefined sub-wallet from the mobile wallet on the user mobile device in response to the removal rule being fulfilled.

Abstract: A method includes detecting an initial vocalization by a user in an environment including a primary device and a secondary device, analyzing the initial vocalization to determine whether a future vocalization is likely to contain sensitive information based on the initial vocalization where the future vocalization is a potential future vocalization, and controlling, based on determining that the future vocalization is likely to contain sensitive information, a speaker of the primary device to output a noise canceling signal configured to prevent the secondary device from detecting the future vocalization.

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 method comprises predicting a preferred funds transfer method of a payee based on payee data, generating a token based on the predicted preferred funds transfer method where the token is decodable to identify the predicted preferred funds transfer method and the payee, and initiating, in response to an input from the payee, an electronic funds transfer from a payer to the payee.

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 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: A method for using an autonomous vehicle includes receiving one or more user preferences for use of the autonomous vehicle. A destination is received for a trip using the autonomous vehicle. An arrival time is received for when the trip needs to be completed. A determination is made as to whether the user preferences includes a preference for physical activity for the trip. One or more routes are provided for the trip to the destination that permits the trip to be completed by the arrival time and that implements at least one of the user preferences. At least one of the routes comprises a hybrid route including one segment in which a physical activity selected by the user is suggested for traversing a distance of the one segment and another segment using the autonomous vehicle.

Abstract: The validity of a mail item containing a monetary solicitation is determined. An image is received of the mail item and the image is analyzed to identify a plurality of data fields within the mail item. The validity or invalidity of the data within each of the plurality of identified data fields is then established, and a user-interactive image overlay is generated for the image of the mail item that includes a validity indicator for each of the plurality of identified data fields. The validity indicator is representative of the validity or invalidity of the data within each of the identified plurality of data fields. The user-interactive image overlay is sent to a user device to display the image of the mail item.

Abstract: A provider computing system includes a service recommendation database configured to retrievably store recommendation information, a network interface configured to communicate data over a network, and a processing circuit that includes a processor and memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive a first set of recommendation information derived from a first set of voice data received by a local voice assistant and store the first set of recommendation information in the services recommendation database. The processing circuit is further caused to receive a request to generate a recommendation from a user voice assistant, derived from a second set of voice data received by the user voice assistant. The processing circuit is also caused to access the first set of recommendation information in response to the request and transmit the recommendation to the user voice assistant.

Abstract: A method for using an autonomous vehicle includes receiving one or more user preferences for use of the autonomous vehicle. A destination is received for a trip using the autonomous vehicle. An arrival time is received for when the trip needs to be completed. A determination is made as to whether the user preferences includes a preference for physical activity for the trip. One or more routes are provided for the trip to the destination that permits the trip to be completed by the arrival time and that implements at least one of the user preferences. At least one of the routes comprises a hybrid route including one segment in which a physical activity selected by the user is suggested for traversing a distance of the one segment and another segment using the autonomous vehicle.

Abstract: Systems and methods for predicting and making payments via preferred payment methods include predicting a preferred funds transfer method of a payee, generating a token based on the predicted preferred funds transfer method, providing the token to a payee device, receiving an input from the payee device indicating an agreement with the predicted preferred funds transfer method, and initiating, in response to the input, an electronic funds transfer from a source account of the payer to the payee.

Abstract: A device, system, and method are directed towards facilitating composing, editing, and displaying a message that includes text and graphics inline. An edit window provides a mechanism for editing the text inline. The message, including text and graphics, may be sent to a remote device. The remote device may display the message, and edit the text and graphics inline, and send a reply message to the original sender.

Abstract: A method for managing a communication session includes receiving a request to perform a task. The task is divided into one or more steps. One or more user devices are identified that can be used to perform one or more of the steps. One or more communication channels are identified that are available to the one or more user devices. The communication session is permitted to switch from one or more of the user devices and communication channels to complete the one or more steps of the task while maintaining a continuity of the communication session.

Abstract: The validity of a mail item containing a monetary solicitation is determined. An image is received of the mail item and the image is analyzed to identify a plurality of data fields within the mail item. The validity or invalidity of the data within each of the plurality of identified data fields is then established, and a user-interactive image overlay is generated for the image of the mail item that includes a validity indicator for each of the plurality of identified data fields. The validity indicator is representative of the validity or invalidity of the data within each of the identified plurality of data fields. The user-interactive image overlay is sent to a user device to display the image of the mail item.

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: Provided herein is a holistic fraud cocoon that protects a user from incoming or outgoing fraud and phishing communications by capturing, analyzing and either altering, discarding or presenting communications to the user. For example, the holistic fraud cocoon captures all incoming sources (mail, in-person visits, phone, TV, radio, newspapers and internet) and the actions performed by the user, triggered by those sources. Certain actions are held in a queue to be reviewed, validated and acted upon by a third party before the actions are executed.

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 device, system, and method are directed towards facilitating composing, editing, and displaying a message that includes text and graphics inline. An edit window provides a mechanism for editing the text inline. The message, including text and graphics, may be sent to a remote device. The remote device may display the message, and edit the text and graphics inline, and send a reply message to the original sender.