Abstract: The present disclosure involves systems, software, and computer implemented methods for tracking of a conversation and management of multi-channel, multi-interaction customer conversations across multiple chat bots. One example system includes operations to receive a first signal comprising a first set of conversational input received via interactions with a conversational interface from a client device, the conversational interface associated with a plurality of chat bots and manages interactions between the client device and the plurality of chat bots. The received conversational input is analyzed to determine a context of the received conversational input based on characteristics of the received conversational input. A request is transmitted to an identified first chat bot associated with the determined context and a response is received from the identified first chat bot. The response is transmitted to the client device for presentation.

Abstract: The present disclosure involves systems, software, and computer implemented methods for intercepting data exchange requests and automatically imposing a hold period while the data exchange is evaluated for a user profile initiating the request. One example system includes operations to detect a data exchange request prior to completion of the attempted data exchange, the data exchange request including information defining the attempted data exchange and associated wherein the attempted data exchange is associated with a particular user profile. A portion of the information is transmitted to a data exchange analysis system for execution of a user profile-specific data exchange analysis based on the information and a status of the user profile. A hold state is initiated for the data exchange request while the analysis is performed. The results of the analysis are presented and a confirmation to proceed is required before allowing the attempted data exchange to be processed.

Abstract: A computer system for recycling value instruments in an automated teller machine has a memory storing instructions that, when executed by a processor, cause the system to receive an image of a value instrument obtained by an automated teller machine for deposit. The image of the value instrument is analyzed to determine its condition. Then, based on the condition of the value instrument, it may be determined that the value instrument is suitable for recycling to fulfill withdrawals. Upon determining that the value instrument is suitable for recycling to fulfill withdrawals, recycling of the value instrument by the automated teller machine is initiated and an indication reflecting the recycling is generated so as to influence when a next servicing of the automated teller machine will occur. Related methods and computer-readable media are also disclosed.

Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, dynamically authorize pre-stages data exchanges based on contextual data. For example, an apparatus may receive first data characterizing an initiation of a first exchange of data between a client device and a terminal device. Based on the first data, the apparatus may obtain second data that characterizes an expected initiation of a second exchange of data during a corresponding temporal interval, which may be specified relative to an initiation time of the first data exchange. The apparatus may generate and transmit, to a computing system, pre-authorization data that requests a pre-authorization of the second data exchange to a computing system. The pre-authorization data may include a portion of the second data and may instruct the computing system to pre-authorize the second data exchange in accordance with the second data.

Abstract: A method for authenticating a wearable device is disclosed. The method includes: receiving, a signal representing an indication that the wearable device is in active use; in response to receiving the signal, updating a device database to associate a first status with the wearable device; receiving, from a tokenization service provider (TSP), a signal representing a first code derived by the TSP from decrypting a security token previously provisioned in the wearable device, wherein the security token was received at a terminal from the wearable device and transmitted to the TSP; obtaining, based on the received first code, a device identifier of the wearable device and an identifier of an account; querying the device database to verify that the wearable device is associated with the first status; verifying that the account is enabled for an operation initiated using the wearable device; and transmitting an authorization message to the terminal, the authorization message authorizing the operation.

Abstract: A data management device, communication system and methods for tagging data in a data table and triggering automated action. A data management device receives from a first data provider one or more records of a data table, each record comprising a plurality of fields. The data table is associated with an account having one or more authorized users. The plurality of fields each has a value set by the first data provider. The data manger determines one or more tags for the one or more records in accordance with a plurality of autotagging rules. The data manger appends the one or more records to include one or more tag fields corresponding to the one or more tags for the one or more records. The appended records are stored in a database. One or more automated actions may be triggered based on one or more tag fields of one or more of the plurality of records.

Abstract: The present disclosure involves systems, software, and computer implemented methods for tracking of a conversation and management of multi-channel, multi-interaction customer conversations across multiple chat bots. One example system includes operations to receive a first signal comprising a first set of conversational input received via interactions with a conversational interface from a client device, the conversational interface associated with a plurality of chat bots and manages interactions between the client device and the plurality of chat bots. The received conversational input is analyzed to determine a context of the received conversational input based on characteristics of the received conversational input. A request is transmitted to an identified first chat bot associated with the determined context and a response is received from the identified first chat bot. The response is transmitted to the client device for presentation.

Abstract: The present disclosure involves systems, software, and computer implemented methods for intercepting data exchange requests and automatically imposing a hold period while the data exchange is evaluated for a user profile initiating the request. One example system includes operations to detect a data exchange request prior to completion of the attempted data exchange, the data exchange request including information defining the attempted data exchange and associated wherein the attempted data exchange is associated with a particular user profile. A portion of the information is transmitted to a data exchange analysis system for execution of a user profile-specific data exchange analysis based on the information and a status of the user profile. A hold state is initiated for the data exchange request while the analysis is performed. The results of the analysis are presented and a confirmation to proceed is required before allowing the attempted data exchange to be processed.

Abstract: A computer system for recycling value instruments in an automated teller machine has a memory storing instructions that, when executed by a processor, cause the system to receive an image of a value instrument obtained by an automated teller machine for deposit. The image of the value instrument is analyzed to determine its condition. Then, based on the condition of the value instrument, it may be determined that the value instrument is suitable for recycling to fulfill withdrawals. Upon determining that the value instrument is suitable for recycling to fulfill withdrawals, recycling of the value instrument by the automated teller machine is initiated and an indication reflecting the recycling is generated so as to influence when a next servicing of the automated teller machine will occur. Related methods and computer-readable media are also disclosed.

Abstract: A data management device, communication system and methods for tagging data in a data table and triggering automated action. A data management device receives from a first data provider one or more records of a data table, each record comprising a plurality of fields. The data table is associated with an account having one or more authorized users. The plurality of fields each has a value set by the first data provider. The data manger determines one or more tags for the one or more records in accordance with a plurality of autotagging rules. The autotagging rules include heuristic rules learned from user behavior and based on one or more of the plurality of fields of the record. The data manger appends the one or more records to include one or more tag fields corresponding to the one or more tags for the one or more records. The appended records are stored in a database. One or more automated actions may be triggered based on one or more tag fields of one or more of the plurality of records.

Abstract: The present disclosure involves systems, software, and computer implemented methods for tracking of a conversation and management of multi-channel, multi-interaction customer conversations across multiple chat bots. One example system includes operations to receive a first signal comprising a first set of conversational input received via interactions with a conversational interface from a client device, the conversational interface associated with a plurality of chat bots and manages interactions between the client device and the plurality of chat bots. The received conversational input is analyzed to determine a context of the received conversational input based on characteristics of the received conversational input. A request is transmitted to an identified first chat bot associated with the determined context and a response is received from the identified first chat bot. The response is transmitted to the client device for presentation.

Abstract: A computer system for recycling value instruments in an automated teller machine has a memory storing instructions that, when executed by a processor, cause the system to receive an image of a value instrument obtained by an automated teller machine for deposit. The image of the value instrument is analyzed to determine its condition. Then, based on the condition of the value instrument, it may be determined that the value instrument is suitable for recycling to fulfill withdrawals. Upon determining that the value instrument is suitable for recycling to fulfill withdrawals, recycling of the value instrument by the automated teller machine is initiated and an indication reflecting the recycling is generated so as to influence when a next servicing of the automated teller machine will occur. Related methods and computer-readable media are also disclosed.

Abstract: A computer system for automatically handling and releasing funds for deposit items has a memory storing instructions that, when executed by a processor, cause the system to receive an image of a cheque received and scanned by an automated teller machine (ATM) for deposit into a first account of an institution associated with the ATM. The scanned image of the cheque is analyzed to identify an institution and account on which that cheque is drawn. If that account has sufficient available funds to cover the cheque, then the first account is credited in the amount of the cheque without placing a hold on any of the credited amount and funds of the account on which the cheque is drawn are encumbered in that same amount. After crediting the first account, an indication is provided that the funds are available (e.g., to withdraw). Related methods and computer-readable media are also disclosed.

Abstract: A method and system are provided for processing context data for interaction sessions. The method includes detecting a first interaction session using a first interaction channel between a request initiator and a request service provider and obtaining context data of a plurality of other interaction sessions between the request initiator and the request service provider. The context data is related to activity of the request initiator, and at least one of the plurality of other interaction sessions and the first interaction session use different types of interaction channels between the request initiator and the request service provider. The method also includes selecting a subset of the context data of the plurality of other interaction sessions that are related to the activity. The method also includes providing the subset of the context data for the first interaction session.

Abstract: The present disclosure involves systems, software, and computer implemented methods for personalizing interactions within a conversational interface based on an input context. One example system performs operations including receiving a conversational input received via a conversational interface. The conversational input is analyzed to determine an intent and lexical personality score based on the input's characteristics. A set of responsive content is determined and includes a set of initial tokens representing an initial response. A set of synonym tokens associated with at least some of the initial tokens are identified, and at least one synonym token associated with a similar lexical personality score to the input is determined. At least one of the initial tokens are replaced with the determined synonym token to generate a modified version of the set of response content. The modified version of the response is then transmitted to a device in response to the input.

Abstract: The present disclosure involves systems, software, and computer implemented methods for personalizing interactions within a conversational interface based on an input context. One example system performs operations including receiving a conversational input received via a conversational interface. The conversational input is analyzed to determine an intent and lexical personality score based on the input's characteristics. A set of responsive content is determined and includes a set of initial tokens representing an initial response. A set of synonym tokens associated with at least some of the initial tokens are identified, and at least one synonym token associated with a similar lexical personality score to the input is determined. At least one of the initial tokens are replaced with the determined synonym token to generate a modified version of the set of response content. The modified version of the response is then transmitted to a device in response to the input.

Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, authorize initiated exchanges of data in real-time based on dynamically generated tokenized data. For example, an apparatus may receive first positional data identifying a first geographic position of a client device and based on the first positional data, the apparatus may determine a value of a parameter characterizing an exchange of data between the client device and a terminal device disposed proximate to the client device during a temporal interval. The apparatus may transmit data requesting a pre-authorization of the data exchange to a computing system, which perform operations that pre-authorize the data exchange in accordance with the parameter value and transmit a digital token representative of the pre-authorized data exchange to the terminal device. The digital token may be valid during the temporal interval and may include a cryptogram associated with the client device.

Abstract: A method for authenticating a wearable device is disclosed. The method includes: receiving, a signal representing an indication that the wearable device is in active use; in response to receiving the signal, updating a device database to associate a first status with the wearable device; receiving, from a tokenization service provider (TSP), a signal representing a first code derived by the TSP from decrypting a security token previously provisioned in the wearable device, wherein the security token was received at a terminal from the wearable device and transmitted to the TSP; obtaining, based on the received first code, a device identifier of the wearable device and an identifier of an account; querying the device database to verify that the wearable device is associated with the first status; verifying that the account is enabled for an operation initiated using the wearable device; and transmitting an authorization message to the terminal, the authorization message authorizing the operation.

Abstract: The present disclosure involves systems, software, and computer implemented methods for personalizing interactions within a conversational interface based on an input context. One example system performs operations including receiving a conversational input via a conversational interface associated with a particular user profile. The input is analyzed via a natural language processing engine to determine an intent and a personality input type. A persona response type associated with the determined personality input type is identified, and responsive content is determined. A particular persona associated with the particular user profile based on a related set of social network activity information associated with the user profile and that corresponds to the identified persona response type is identified.

Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, authorize initiated exchanges of data based on tokenized data characterized by a limited temporal or geographic validity. For example, an apparatus may receive a first signal that includes first information identifying a first geographic position of a client device. The apparatus may also obtain a digital token representative of a pre-authorization of a data exchange between the client device and a terminal device during a corresponding temporal interval. The terminal device may, for example, be disposed within a geographic region that includes the first geographic position of the client device. The apparatus may generate and transmit a second signal that includes the digital token to the client device. In some examples, the apparatus may transmit the second signal being through a programmatic interface associated with an application program executed by the client device.