Abstract: Computer-implemented methods for identifying or assessing any type of risk and/or opportunity that may arise can include either, alone or in combination, band pass filtering, principal component analysis, random matrix theory analysis, synchronization analysis, and early-warning detection. Each technique can also be viewed as a process that takes a set of inputs and converts it to a set of outputs. These outputs can be used as inputs for a subsequent process or the outputs may be directly actionable for formulating certain economic predictions to make certain decisions.

Abstract: In systems and methods, account data associated with one or more account of a first financial institution are received and the account data is stored in a storage device; triggers are identified based on the account data, where the triggers include one or more transactions; external account activity of one or more accounts associated with a second financial institution is determined based on the one or more transactions; and a product recommendation is provided to a user associated with one or more accounts of the first financial institution based on the identified external activity. The systems and methods further provide determining a shift in internal account usage of the one or more accounts associated with the first financial institution based on the one or more transactions.

Abstract: A data analyzer associated with an entity determines patterns and/or sequences in user data. The analyzer may provide businesses with feedback on spatiotemporal patterns in user habits. In certain embodiments, the analyzer determines the frequency of a sequence of purchases made at a first entity immediately followed by purchases made at a second entity. In another embodiment, the analyzer determines trends in user purchases made during the weekday versus those that are made during the weekend. The results of the analysis may be used in a variety of ways, including, but not limited to merchant/consumer prospecting, and targeted promotions.

Abstract: Systems and methods for a transmitting data to and receiving data from a repository are provided. For instance, presenting a transmission to a customer during a transaction at a system which may include an optimization computer, a repository database which may store one or more transmissions and information regarding a particular audience to which the respective transmissions should be presented and a computer system configured to allow transmissions to be uploaded to the repository database are provided. The transmission may be presented at a point of transaction wherein the transaction is being conducted and the transaction data from the transaction being conducted at the point of transaction may be determined at the point of transaction and may be transmitted to the optimization computer.

Abstract: Systems and methods for a transmitting data to and receiving data from a repository database are provided. For instance, an optimization computer which may include a processor and memory storing computer executable instructions that, when executed, cause the optimization computer to perform a method for selecting a transmission to be presented to a customer during a transaction by electronically receiving data relating to the identity of the customer conducting the transaction, electronically receiving data relating to one or more transmissions and determining the particular transmission to present to the customer during the transaction based on the data by comparing the data relating to the identity of the customer conducting the transaction with the data relating to one or more transmissions and selecting a transmission to be presented during the transaction based on the comparison are presented.

Abstract: Systems and methods according to the present invention provide a more secure Automated Teller Machine (ATM) transaction by preventing observation of banking customers' Personal Identification Number (PIN). Such systems and methods make it difficult to obtain a customer's PIN by tracking the hand movement of a customer using an ATM. Inputs presented for a customer selection are preferably dynamically displayed in different locations preferably each time the customer is asked to enter a PIN. Dynamically changing the sequence of the display and/or location of the presented inputs reduces the possibility of mapping the hand movement of the customer to the positions of the inputs displayed for a customer selection. Inputs may also be presented at a very narrow viewing angle, thereby making observation of a PIN difficult. Hence, banking customers are preferably provided with a more robust and secured ATM transaction system.

Abstract: Systems and methods for environmental adjustments using biometrics are described. A scanned biometric parameter of an individual may be received and a determination may be made as to whether the scanned biometric parameter of the individual matches a stored biometric parameter of a plurality of stored biometric parameters. Biometric parameters include retinal images, DNA, and voice samples. If a match exists, the individual may be identified based upon the stored biometric parameter. At least one adjustment to change on at least one device based upon the identified individual may be determined. The at least one device may be configured for modifying an environmental condition of the identified individual. At least one instruction to implement the determined at least one adjustment may be transmitted. The adjustment may be a physical adjustment to the device, such as the height level of a chair.

Abstract: Systems and methods for autonomous online payments to an individual are described. A request to generate an electronic payment user interface associated with an individual for a transaction to an account associated with an entity is received. One or more individual defined criteria associated with the electronic payment user interface for the transaction is received. An Internet accessible address to the electronic payment user interface is generated. A request input from a payer to access, via the Internet accessible address, the electronic payment user interface associated with the individual is received. An authorization input from the payer to make an electronic payment of monetary funds from an account of the payer to the account of the individual is received, and access by the individual to personally identifiable information of the payer regarding the transaction is prevented.

Abstract: Aspects of the present disclosure are directed to methods and systems for macroeconomic indication, including electronically selectively mapping a plurality of merchant classification data to sub-sector economic data for payment card transactions classification. The method may electronically receive a plurality of retail sales data based on the payment card transactions classification over a predetermined period of time to define an economic time series dataset; electronically adjust the economic time series dataset based on an autoregressive integrated moving average; and electronically transform the economic time series dataset after the adjusting step by using linear regression to define a predefined time period percentage change in the periodic data.

Abstract: Embodiments of the invention allow an institution to obtain a more comprehensive view of its exposure to one or more entities or groups of entities and, in some cases, to use this information to identify opportunities for and/or risks to the institution. For example, embodiments of the invention involve systems and methods for: (1) selecting an entity; (2) determining exposure to the entity in isolation; (3) determining one or more related entities based on transaction data associated with the selected entity; (4) determining exposure to the one or more related entities; and (5) combining the exposure data for the selected entity and the related entities to obtain comprehensive exposure metrics for the selected entity.

Abstract: Embodiments of the invention allow an institution to obtain a more comprehensive view of its exposure to one or more entities or groups of entities and, in some cases, to use this information to identify opportunities for and/or risks to the institution. For example, embodiments of the invention involve systems and methods for: (1) selecting an entity; (2) determining exposure to the entity in isolation; (3) determining one or more related entities based on transaction data associated with the selected entity; (4) determining exposure to the one or more related entities; and (5) combining the exposure data for the selected entity and the related entities to obtain comprehensive exposure metrics for the selected entity.

Abstract: Systems, methods, computer-readable media, and apparatuses for receiving transaction data associated with a transaction between a first business entity and a second business entity are provided. Data may be extracted from the transaction data to determine a category of the transaction. In some examples, an identity of a first and/or second business entity may be determined from the transaction data and/or additional data. One or more business characteristics of the first or second business entity may be determined based on the identity of the business and the category of the transaction. Accordingly, a network of other business related or having potential to be related to the business entities may be identified (e.g., potential or current vendors, suppliers, service providers, customers, and the like).

Abstract: Systems, methods, and computer program products are provided for customer-defined financial institution account management rules associated with linked financial institution accounts. The methods, systems and computer program products herein described allow the customer to define rules that maximize the customer's rate of return and/or minimizing the likelihood of insufficient funding of an account leading to a withdrawal in excess of account balance. Thus, poor utilization of cash in terms of excessive balances in non-interest bearing accounts or low-interest bearing accounts is minimized by automatically transferring, based on a customer-defined rules, the funds to a higher rate of return account. Additionally, managing a primary payment account, such as a checking or bill account, is addressed so as to ensure that funds are sufficient to cover the customer's expenditures.

Abstract: Transaction data is processed using a store number that is associated with a merchant. By analyzing sales of a merchant by store, a financial institution can better assess the financial health of a merchant. The financial institution can subsequently evaluate different value propositions that may be offered to the merchant or a consumer. The store numbers are extracted from the transaction entries so that a performance metric can be determined by store locations of the merchant. Consequently, the financial institution can determine the financial health of the merchant based on individual stores rather than on the total sales of the merchant. Different value propositions can be offered by the financial institution to a merchant or a consumer of the merchant based on an analysis of the transaction data. Transaction data for different merchants and different geographic areas can be compared to identify potential customers for the financial institution.

Abstract: Systems and methods for integrating biometric authentication with video conference sessions are described. An individual seeking to participate in a video conference may first be identified with a biometric parameter such as an iris scan based on a comparison of the scanned iris with a database of stored parameters. If authorized, the system may connect the individual to the video session. In addition, the system may generate dynamic tags that allow the participants to identify and locate individuals in the video conference. For example, if one of the participants is speaking and moving within the room, her tag may change color and move with her on the video screen.

Abstract: Systems and methods for biometrically identifying an individual for purchasing a product and/or service without a need for the individual to input authentication data into a system/device are described. Data representative of a scanned iris of a customer desiring to make a purchase may be made. The customer may be identified based upon the scanned iris. A determination may be made as to whether the identified customer has a plurality of accounts at a financial entity. Information of a selected account to make the purchase may be received. Sufficient funds in the selected account to make the purchase may be determined. If insufficient, a different account may be identified to make the purchase. Sufficient funds in the different account may be determined and funds in the different account may be decreased by the associated payment amount.

Abstract: Systems, methods and computer program products are provided for optimizing social networks. In the systems and methods, account data associated with a user account is received and the account data is stored in a storage device. Pluralities of networking opportunities are identified based on the account data. Furthermore, based on the account data triggers may be detected indicating a user's interest in one or more social networking opportunities. The system then offers the user, based at least partially on the detected trigger, the one or more social networking opportunities.

Abstract: Embodiments of the invention include a method of developing a financial transaction data profile. Financial instruments are received as images, where the financial instruments include transactional data. The transactional data is extracted from the financial instruments and uploaded to a computer. The transactional data is organized so that the transactional data is grouped into categories. The categories are stored for presentation to the user in a financial transaction profile.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for identifying a user segment. In some embodiments, a system is configured to: receive first information from a first system; receive second information from a second system; verify first information with the second information; in response to positive verification of the first information with the second information, assign a first category to the first information.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assigning a user to a user segment. In some embodiments, a system is configured to: receive transaction data associated with a user; analyze the transaction data; identify a user segment based on the analysis of the transaction data; and assign a user to the user segment.