Abstract: Examples described herein relate to apparatuses and methods for providing an interactive computer simulation of a life of a user via a user device operated by the user by determining a goal of the user, accessing a transaction history of the user, determining an initial state of the user based on the transaction history of the user, determining a virtual path to the goal, the initial state of the user being a starting point of the virtual path to the goal, configuring the user device to display the virtual path of the goal, determining that the user has selected at least one of selectable in-simulation decisions, updating the virtual path to generate an updated virtual path based on the selected at least one of the plurality of selectable in-simulation decisions, and configuring the user device to display the updated virtual path.

Abstract: A system for collecting property status information from a property for a virtual appraisal receives the property status information from a plurality of devices positioned about the property, stores the property status information in a database, and assesses the property status information to create the virtual appraisal for the property.

Abstract: Examples described herein relate to determining an actual, updated goal of a user based on emotional response data captured while an initial goal is visualized or otherwise perceived by the user, including determining an initial goal of a user, displaying an initial video depicting the initial goal, tracking, with an emotion-tracking device, emotions of the user while the video is displayed by the output circuit by determining emotional response data captured by the emotion-tracking device, updating the initial goal based on the emotional response data to determine an updated goal, and displaying the updated goal.

Abstract: A smart inventory service provider system is provided. The system comprises a network interface configured to communicate data over a network and a processing circuit. The processing circuit comprises one or more processors coupled to non-transitory memory. The processing circuit is configured to receive inventory item data associated with an inventory item from a user mobile device and to associate the inventory item data with a user account in a user inventory database. The processing circuit is further configured to monitor a frequency of usage of the inventory item and to transmit a message to an external computing system soliciting a transaction offer related to the inventory item based on the frequency of usage of the inventory item. The processing circuit is further configured to, upon receiving the transaction offer from the external computing system, transmit the transaction offer to the user mobile device.

Abstract: Examples described herein relate to determining an actual, updated goal of a user based on emotional response data captured while an initial goal is visualized or otherwise perceived by the user, including determining an initial goal of a user, displaying an initial video depicting the initial goal, tracking, with an emotion-tracking device, emotions of the user while the video is displayed by the output circuit by determining emotional response data captured by the emotion-tracking device, updating the initial goal based on the emotional response data to determine an updated goal, and displaying the updated goal.

Abstract: Systems and techniques for a future state graphical visualization generator are described herein, A graphical visualization of a current state of a user may be generated using electronic profile data of the user. The graphical visualization of the current state of the user may display objects associated with the user. The objects may be associated with a set of object parameters. A goal of the user may be obtained. A set of goal parameters may be generated based on the set of object parameters and the goal of the user. A graphical visualization of the future state of the user may be generated based on the set of goal parameters. A user response may be obtained to a display of the graphical visualization of the future state of the user. Guidance may be provided to the user for adjusting a goal parameter based on the user response.

Abstract: A method may include, receiving, at a server device and from a requesting computing device associated with a requesting user, a request for a data item. The data item configured may be configured as a data structure and include an encrypted data payload; metadata identifying a source of the payload and when the data payload was captured; and a token identifying an owner of the data item and access rights to the data item. The method may include parsing he token to identify the owner of the data item; transmitting the request for the data item to a computing device associated with the owner; receiving a response from the computing device. The response may indicate the requesting user may access the data item, and in response, transmit a decryption key to the requesting computing device for the encrypted data payload. The method may include updating the token.

Abstract: Various examples are directed to computer-implemented systems and methods for providing an automated data agent monitoring bot. A method includes receiving, by a processor of a computer, input from a user requesting monitoring of user data generation and access on an application or website. The processor analyzes terms of service of the application or website where the user data is used or generated, and programs a monitoring bot configured to monitor the user data based on the terms of service and the received input. The monitoring bot tracks third-party access to the user data based on the terms of service, notifies the user regarding the tracked third-party access, and provides options to the user to control or monetize the tracked access to the user data.

Abstract: An example method for estimating an emotion based upon a facial expression of a user can include: receiving one or more captured facial expressions from the user at a visual computing device; comparing the one or more captured facial expressions to one or more known facial expressions; and assigning an emotion to the plurality of captured facial expressions based upon the comparing.

Abstract: A method may include, receiving, at a server device and from a requesting computing device associated with a requesting user, a request for a data item. The data item configured may be configured as a data structure and include an encrypted data payload; metadata identifying a source of the payload and when the data payload was captured; and a token identifying an owner of the data item and access rights to the data item. The method may include parsing he token to identify the owner of the data item; transmitting the request for the data item to a computing device associated with the owner; receiving a response from the computing device. The response may indicate the requesting user may access the data item, and in response, transmit a decryption key to the requesting computing device for the encrypted data payload. The method may include updating the token.

Abstract: According to one example arrangement, a computer implemented method performed by a computing system, includes identifying a user device associated with a user. Authentication information regarding the user indicative of use of the user device is captured. A confidence level for the user is dynamically adjusted based on the authentication information. The confidence level is responsive to the use of the user device by the user.

Abstract: Systems and techniques for data tagging and task dataset generation are described herein. A set of context elements may be obtained for a data element in a data source. The set of context elements may be evaluated using a machine learning processor to embed one or more tags into the data element. A task to be completed by the user may be identified. A set of task tags may be determined that correspond to the task. The data source may be searched using the set of task tags to select the data element. A task dataset may be generated that includes the data element in response to the search.

Abstract: Systems and techniques for data creation limits are described herein. In an example, a data creation limits system is adapted to receive data and split the data into a plurality of portions based on entity interests in each of the plurality of portions. The data creation limits system may be further adapted to generate respective tokens for each portion of the plurality of portions. The data creation limits system may be further adapted to assign an owner to a token of the respective tokens, the token corresponding to a portion of the plurality of portions and assigning the owner based on the owner having an entity interest in creation of the portion. The data creation limits system may be further adapted to generate a script, using the token, for access to the portion. The data creation limits system may be further adapted to save the portion including the token.

Abstract: A user mobile device includes a network interface, an input/output (“I/O”) device configured to exchange data with a user, the I/O device including a display device configured to present a graphical user interface to the user, an imaging device configured to generate image data; and a processing circuit. The processing circuit comprising a memory and a processor. The memory stores instructions that cause the processor to receiver user photograph data including multiple photographs of the user, determine an emotive state of the user in each of the photographs, categorize each photograph into at least a user positive emotion category and a user negative emotion category, receive spending behavior data, generate a user spending alert based on the spending behavior data including a photograph from at least one of the user positive emotion category and the user negative emotion category, and present the spending alert to the user.

Abstract: Systems and methods are described for facilitating payments and transactions using social background checks. Such systems and methods may use social networks with both individual members communicating over a network to a social authentication computing system. The authentication of transactions associated financial institutions are determined through the use of relationship measures based on social media interactions. Transactions and services available to a user are determined based on a measure of social identity through the use of social media platforms. Available contact and interaction data from one or more social media platforms is leveraged to analyze a level of trust that a transaction is not a consequence of fraudulent activity. Transactions that have a low level of risk of being a consequence of fraudulent activity are benefited through faster transaction times and other improvements.

Abstract: Examples described herein relate to media, apparatuses and methods. In an embodiment, a digital funding group for transactions initiated by a user via a user computing device is established. Information relating to a prospective transaction is received via a client application. The client application monitors a system idle timer of the user computing device and resets the system idle timer at predetermined time intervals, thereby maintaining the user computing device in active mode. The client application performs an electronic search for a sponsorship opportunity related to the at least one prospective transaction, generates a displayable result set comprising at least one prospective sponsor; renders the displayable result set, and responsive to a user selection of a particular sponsor from the displayable result set, causes the particular sponsor to be added to the digital funding group.

Abstract: Various examples are directed to computer-implemented systems and methods for providing a pseudonymous browsing mode. A method includes receiving, by a processor of a computer, input from a user requesting a level of anonymity for a session on an application or website, where the level of anonymity is between open browsing and completely incognito browsing. The processor programs an avatar configured to provide the level of anonymity to an identity of the user and data generated by the user based on the received input. The processor uses the avatar to control an amount of data shared by the user with the application or website to provide the level of anonymity to an identity of the user and data generated by the user.

Abstract: Examples described herein relate to apparatuses and methods of determining an optimal viewing layout of a content item on a computing device based on user preference data. The method includes receiving a request for a content item associated with an account of a user. The method includes selecting a template having a set of elements for generating a content item. The method includes selecting a content item dataset associated with the content item. The method includes generating layout data based on the content item dataset and the selected template. The method includes sending the layout data, causing operations comprising assembling the content item for display in an application based on the layout data, and gathering user preference data in response to an interaction of the user with the displayed content item. The method includes updating the template based on the user preference data.

Abstract: Examples described herein relate to determining an actual, updated goal of a user based on emotional response data captured while an initial goal is visualized or otherwise perceived by the user, including determining an initial goal of a user, displaying an initial video depicting the initial goal, tracking, with an emotion-tracking device, emotions of the user while the video is displayed by the output circuit by determining emotional response data captured by the emotion-tracking device, updating the initial goal based on the emotional response data to determine an updated goal, and displaying the updated goal.

Abstract: A method may include collecting, in a data store, a plurality of signals associated with a user and a geographic area; calculating, using at least one processor, a satisfaction score for the user with respect to the geographic area based on the plurality of signals; querying the data store to retrieve a set of entities associated with the geographic area; generating, using the at least one processor, a respective credit allocation amount for each of the set of entities based on the satisfaction score and a user-specified allocation modality; and initiating a transfer from a user account to a set of receiver accounts according to the respective generated credit allocation amounts.