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.

Abstract: A method for mitigating financial risk of a financial institution for military personnel who are customers of the financial institution includes obtaining the deployment status of a person in the military, the person being a customer of the financial institution. The electronic computing device automatically determines when the deployment status has changed to a deployed status. When a determination is made that the deployment status has changed to the deployed status, one or more procedures are implemented to minimize the financial risk of the financial institution while the person is on deployment.

Abstract: Systems and methods related to a social syndicate platform for buyers and sellers on a social network includes aggregating requests for goods or services by individual members of a social network. Individual members may send buyer-sourced requests for deals to business members of the social network with parameters restricting which businesses may be considered in the request. Business members may send discounted offers for goods and services including restrictions on which individuals may receive the offer. A computing system may facilitate deals between businesses and individuals based on financial health considerations and make offer recommendations to business and deal recommendations to individuals.

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: A smart inventory service provider system is provided. The system includes a network interface configured to communicate data over a network and a processing circuit. The processing circuit includes one or more processors coupled to non-transitory memory. The processing circuit is configured to receive inventory item data. Inventory item data is associated with an inventory item and is captured by a user computing device. The processing circuit is further configured to associate the inventory item data with a user account in a user inventory database, monitor an external computing system for a transaction offer related to the inventory item, and transmit the transaction offer to the user computing device.

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 gal parameter based on the user response.

Abstract: Systems, methods, and apparatuses for negotiating a suboptimal savings plan include a financial strategy database storing information associated with an optimal savings plan and at least one suboptimal savings plan, an account information database storing information associated with a financial account held by a customer, and a processing circuit. The processing circuit is structured to identify an opportunity for a suboptimal savings plan relating to the customer, receive information associated with a financial account held by the customer, generate a set of potential suboptimal savings plans based on the received information, provide the customer with the set of potential suboptimal savings plans, and set an accepted suboptimal savings plan as an active savings plan in response to the customer selecting one of the potential suboptimal savings plans.

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: 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 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: 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 for providing merchant offers includes receiving, by a network interface circuit of an offer computing system, selection of a product or service from a customer user of the offer computing system, receiving, by the network interface circuit of the offer computing system, financial account information from the customer user, the financial account information providing access to a financial account held by the customer user, monitoring, by a merchant offer circuit of the offer computing system, a financial status of the customer user using the financial account information, and based on the financial status of the customer user, sending to the customer user, by the merchant offer circuit of the offer computing system, an offer for sale of the product or service.

Abstract: A system, method, and apparatus for offering estate planning prediction and recommendation services to a client using a server 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 receive information relating to one or more assets of a client, monitor a health status of the client, determine a redistribution plan for the one or more assets of the client, based on the health status of the client, and redistribute the one or more assets of the client according to the redistribution plan.

Abstract: Examples described herein relate to apparatuses and methods for facilitating automatic anonymous group funding, including but not limited to a provider computing system configured to establish a digital funding group, obtain a set of proposed transactions for at least one member of the digital funding group, and determine that a first user device from the plurality of user devices associated with the digital funding group is associated with a first customer unable to afford at least one proposed transaction. The provider computing system broadcasts a notification to the digital funding group requesting funds, matches funds provider(s) to the funds recipient, generates a funding transaction, provides the terms to the sender(s) and recipient of funds, modifies the terms as needed, and initiates a funds transfer.

Abstract: This disclosure provides systems and methods for matching a customer with a service representative. A request for service can be received from a customer. A first service interaction can be initiated between the customer and a first service representative. A customer sentiment metric can be determined during the first service interaction. The customer sentiment metric can indicate a level of customer satisfaction during the first service interaction. A second service representative suitable for fulfilling the customer's request for service can be identified, based at least in part on the customer sentiment metric. A second service interaction can be initiated between the customer and the second service representative, responsive to the identification of the second service representative.

Abstract: An advisor system creates an advisor panel to advise a user with regards to any number of topics, such as, e.g., a financial questions or concerns the user may have. The panel is composed of one or more advisor avatars that are generated based on one or more traits of the user. The avatars may include past, present and/or future versions of the user. Various devices are utilized to display the panel to the user and allow the user to engage the panel. The system may adapt the advice provided by the panel, the features of the avatars and/or the manner in which the avatars interact with the user and/or each other in response to trends noted by the advisor system as the system is used by the user as well as others.

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 receive, by at least one of the network interface, I/O device, and imaging device, data indicative of spending behavior of the user, generate a user spending alert based on the received data, the user spending alert including a user photograph, and present, via the display device, the user spending alert to the user.

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: Examples described herein relate to apparatuses and methods for facilitating automatic anonymous group funding, including but not limited to a provider computing system configured to establish a digital funding group, obtain a set of proposed transactions for at least one member of the digital funding group, and determine that a first user device from the plurality of user devices associated with the digital funding group is associated with a first customer unable to afford at least one proposed transaction. The provider computing system broadcasts a notification to the digital funding group requesting funds, matches funds provider(s) to the funds recipient, generates a funding transaction, provides the terms to the sender(s) and recipient of funds, modifies the terms as needed, and initiates a funds transfer.

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.