Abstract: In some embodiments, a request to execute, via a first user device, a secure operation with a computing system may be detected (e.g., where the first user device satisfies a proximity condition with respect to a second user device). Authentication data corresponding to a single use token may be retrieved from the second user device based on (i) the request and (ii) the proximity condition being satisfied (e.g., where the single use token corresponds to static information associated with an account used to perform secure operations). The authentication data corresponding to the single use token may be provided to the computing system. An indication that the secure operation has been authorized may be received based on a verification of the authentication data corresponding to the single use token. The secure operation with the computing system may be executed based on the indication being received.

Abstract: The present disclosure relates to systems and methods for facilitating shopping and purchasing. The systems and methods for facilitating shopping and purchasing use an identity tag as an item tracker and/or a transaction enabler.

Abstract: In some embodiments, a request to execute, via a first user device, a secure operation with a computing system may be detected (e.g., where the first user device satisfies a proximity condition with respect to a second user device). Authentication data corresponding to a single use token may be retrieved from the second user device based on (i) the request and (ii) the proximity condition being satisfied (e.g., where the single use token corresponds to static information associated with an account used to perform secure operations). The authentication data corresponding to the single use token may be provided to the computing system. An indication that the secure operation has been authorized may be received based on a verification of the authentication data corresponding to the single use token. The secure operation with the computing system may be executed based on the indication being received.

Abstract: A method for recognizing an object in a video stream may include receiving a video stream comprising a plurality of video frames from a video source. The method may also select at least one video frame from the video frames according to a frame selection rate. The method may also partition the selected video frame into a first plurality of image blocks, and recognize, out of the first plurality of image blocks, a second plurality of image blocks which comprise an image of an object, the recognition being based on an image recognition parameter determined by a machine-learning algorithm. The method may also determine that at least one of the second plurality of image blocks corresponds to the object based on a likelihood metric, the likelihood metric being determined by the processor based on at least the frame selection rate, and display, on a display, information identifying the object.

Abstract: The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.

Abstract: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method for providing an interactive virtual environment. The system may receive environmental data, and augment the environmental data by adding virtual environmental data. The system may then provide this virtual environment to two or more devices. The system can then receive user input, and modify the virtual environment in response to those inputs.

Abstract: A method for recognizing an object in a video stream may include receiving a video stream comprising a plurality of video frames from a video source. The method may also select at least one video frame from the video frames according to a frame selection rate. The method may also partition the selected video frame into a first plurality of image blocks, and recognize, out of the first plurality of image blocks, a second plurality of image blocks which comprise an image of an object, the recognition being based on an image recognition parameter determined by a machine-learning algorithm. The method may also determine that at least one of the second plurality of image blocks corresponds to the object based on a likelihood metric, the likelihood metric being determined by the processor based on at least the frame selection rate, and display, on a display, information identifying the object.

Abstract: In certain embodiments, systems and methods are provided for authenticating a user of a computing device. In some embodiments, a request to authorize a transaction associated with a user may be received, and a current location of the user may be determined. A determination of whether a threshold proximity exists (between the current location of the user and at least one location of at least one known associate) may be performed. The authorization request may be approved based on the determination of the threshold proximity. As an example, the known associate of the user may be determined from among a plurality of associates based on a geographical relationship between the location of the known associate and the current location of the user. The authorization request may be approved in response to a determination that the threshold proximity exists between the user's current location and the known associate's location.

Abstract: The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for merchant accounts. The disclosed embodiments include, for example, a system for providing offers for accounts associated with a merchant. The system may be configured to receive a product identifier from a consumer, the product identifier identifying a product available from a merchant. The system may also determine whether the consumer has a current financial service account associated with the merchant. Further, the system may determine one or more incentives to offer the consumer, the one or more incentives being based at least in part on the product identifier.

Abstract: In one embodiment, a system is configured to receive a market analysis request regarding customers having a partnership card account associated with a financial service provider and a merchant. The system may determine one or more online behavior characteristics of the customers and access data associated with financial transactions of the customers from the financial service provider. The system may further determine analysis results responsive to the received market analysis request based on at least the determined one or more online behavior characteristics and the accessed financial transactions of the customers. The system may further generate a report indicating at least the determined analysis results.

Abstract: Methods and systems are provided for secure payment using tokens. Consistent with disclosed embodiments, a token may be used to authenticate a transaction. The token may include token information configured to replace at least a portion of static information required to authenticate a transaction. A financial services system may provide the token to a digital wallet. The digital wallet may communicate the token to a payment application. A user-associated device may implement the digital wallet and a payment device may implement the payment application. The payment application may provide the token information to a merchant system. The merchant system may provide the token information to the financial services system. The financial services system may authenticate the transaction using the token information received from the merchant system. The disclosed methods may further include determining the proximity of the user-associated device and the payment device to authenticate the request for secure payment.

Abstract: The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.

Abstract: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method. The system may provide an augmented environment that facilitates a transaction. The system may store profile data including user payment or user profile information. The system may then receive environmental data, and identify one or more action items in the environmental data. In response to this identification, the system may augment the environmental data by adding virtual environmental data, and then provide this virtual environmental data to a device to create an augmented environment. The system can then receive user input data, and provide purchase request data to a merchant terminal in response to those inputs.

Abstract: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method for providing an interactive virtual environment. The system may receive environmental data, and augment the environmental data by adding virtual environmental data. The system may then provide this virtual environment to two or more devices. The system can then receive user input, and modify the virtual environment in response to those inputs.

Abstract: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method for providing an interactive virtual environment. The system may receive environmental data, and augment the environmental data by adding virtual environmental data. The system may then provide this virtual environment to two or more devices. The system can then receive user input, and modify the virtual environment in response to those inputs.

Abstract: A method for recognizing an object in a video stream may include receiving a video stream comprising a plurality of video frames from a video source. The method may also select at least one video frame from the video frames according to a frame selection rate. The method may also partition the selected video frame into a first plurality of image blocks, and recognize, out of the first plurality of image blocks, a second plurality of image blocks which comprise an image of an object, the recognition being based on an image recognition parameter determined by a machine-learning algorithm. The method may also determine that at least one of the second plurality of image blocks corresponds to the object based on a likelihood metric, the likelihood metric being determined by the processor based on at least the frame selection rate, and display, on a display, information identifying the object.

Abstract: A method for recognizing an object in a video stream may include receiving a video stream comprising a plurality of video frames from a video source. The method may also select at least one video frame from the video frames according to a frame selection rate. The method may also partition the selected video frame into a first plurality of image blocks, and recognize, out of the first plurality of image blocks, a second plurality of image blocks which comprise an image of an object, the recognition being based on an image recognition parameter determined by a machine-learning algorithm. The method may also determine that at least one of the second plurality of image blocks corresponds to the object based on a likelihood metric, the likelihood metric being determined by the processor based on at least the frame selection rate, and display, on a display, information identifying the object.

Abstract: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method. The system may provide an augmented environment that facilitates a transaction. The system may store profile data including user payment or user profile information. The system may then receive environmental data, and identify one or more action items in the environmental data. In response to this identification, the system may augment the environmental data by adding virtual environmental data, and then provide this virtual environmental data to a device to create an augmented environment. The system can then receive user input data, and provide purchase request data to a merchant terminal in response to those inputs.

Abstract: A method for recognizing an object in a video stream may include receiving a video stream comprising a plurality of video frames from a video source. The method may also select at least one video frame from the video frames according to a frame selection rate. The method may also partition the selected video frame into a first plurality of image blocks, and recognize, out of the first plurality of image blocks, a second plurality of image blocks which comprise an image of an object, the recognition being based on an image recognition parameter determined by a machine-learning algorithm. The method may also determine that at least one of the second plurality of image blocks corresponds to the object based on a likelihood metric, the likelihood metric being determined by the processor based on at least the frame selection rate, and display, on a display, information identifying the object.

Abstract: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method. The system may provide an augmented environment that facilitates a transaction. The system may store profile data including user payment or user profile information. The system may then receive environmental data, and identify one or more action items in the environmental data. In response to this identification, the system may augment the environmental data by adding virtual environmental data, and then provide this virtual environmental data to a device to create an augmented environment. The system can then receive user input data, and provide purchase request data to a merchant terminal in response to those inputs.