Abstract: A system for accessing product information from embedded sensors via mobile device video analysis is disclosed. The system includes a processing device configured for analyzing a video stream of the surrounding environment captured on a mobile device. At least one product that has one or more embedded sensors associated therewith is identified within the surrounding environment. The system retrieves information associated with the one or more products from the one or more embedded sensors. Information retrieved, or information derived from the information retrieved, from the embedded sensors is presented to the user via a display of the video stream on the mobile device.

Abstract: System, method, and computer program product are provided for using real-time video analysis, such as augmented reality to provide the user of a mobile device with real-time budgeting and wish lists. Through the use of real-time vision object recognition objects, logos, artwork, products, locations, and other features that can be recognized in the real-time video stream can be matched to data associated with such to provide the user with real-time budget impact and wish list updates based on the products and budget data determined as being the object. In this way, the objects, which may be products and/or budget data in the real-time video stream, may be included into a user's budget and/or wish list, such that the user receives real-time budget and/or wish list updates incorporating product and/or budget data located in a real-time video stream.

Abstract: Embodiments of the invention provide for using video analysis, such as augmented reality or the like to assist a group of users to utilize mobile devices for creating a collective network environment of users that identifies objects in which one or more users in a group of users may be interested, and notifies the one or more users of information associated with the object. A collective network comprises a group of users that each have a mobile device that contains or is otherwise operatively coupled to a data capture device. For example, the mobile device may be a mobile phone that is capable of taking video with a camera device. A user in the collective network may capture video on his mobile device, and an application can identify the object in the video and provide interested users in the collective network with information about the object.

Abstract: A system for accessing product information from embedded sensors via mobile device video analysis is disclosed. The system includes a processing device configured for analyzing a video stream of the surrounding environment captured on a mobile device. At least one product that has one or more embedded sensors associated therewith is identified within the surrounding environment. The system retrieves information associated with the one or more products from the one or more embedded sensors. Information retrieved, or information derived from the information retrieved, from the embedded sensors is presented to the user via a display of the video stream on the mobile device.

Abstract: A wearable article, such as but not limited to a watch, wristband, or ring, is configured for indicating financial information to a customer. The wearable article includes a communication device configured for receiving a financial indicator from a server. The financial indicator may be communicated by a financial institution's server in accordance with a financial indicator profile pre-established by the customer. A user output device, such as a display, is configured for communicating user output, such as a colored light, to the customer based at least in part on the financial indicator. The wearable article may be configured to communicate with the server through a mobile terminal, such as a mobile phone, an Internet hot spot, a mobile telephony system, a payment network, a point-of-sale terminal, or the like. The wearable article may be configured to communicate with a point-of-sale terminal so that the wearable article can also be used as a payment device.

Abstract: Embodiments of the invention are directed to methods and apparatuses for populating documents based on identification of objects in an augmented reality environment. The method includes capturing a video stream using a mobile computing device; determining, using a computing device processor, the object; identifying a document associated with the object; populating at least a portion of the document; and submitting the document. The method may also include presenting indicators associated with the user, the identified document, or a financial transaction associated with the document. The method may also include providing recommendations or suggestions to the user related to alternative offers associated with the document. Systems and computer program products for populating forms using video analysis of identified objects are also provided.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for dynamically determining an appropriate payment account for a transaction. Embodiments of the invention allow a user to receive a transaction request and subsequently the transaction is applied to the appropriate payment account. Applying the transaction to the appropriate payment account is based on the type of transaction, the payment accounts available to the user, financial institution considerations, financial plans of the user, customer plans of the user, etc. This invention allows a user to make a purchase at a point-of-sale and have confidence that the transaction will be implemented to the payment account that provides the best promotional benefits for the customer based on the customer's individual needs.

Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service participation acknowledgment mechanism at a transaction machine.

Abstract: Embodiments of the invention are directed to a system or method for an electric station. Embodiments of the invention provide an electric station which allow a customer to charge an electric vehicle, to access a Wi-Fi hot-spot, receive location based promotions, and allows access to the customer's financial data via an ATM. The combination of an ATM and electric car charger provides additional identification means, payment means, and convenience for a customer of either the ATM or the electric vehicle charger.

Abstract: Embodiments of the invention include systems, methods, and computer-program products that provide for an enhanced mobile application for assisting users at a point-of-transaction (POT). In one embodiment of the invention the POT assistance application program may determines that a user is conducting a transaction with a merchant. The user may utilize a user device to assist in the transaction. First, the user device may be paired with a POT system, such as a cash register. Once the devices are paired a communication link is created that allows the user to audibly and/or visually monitor the transaction using the user device. Furthermore, the user may flag an item for review during the transaction, silence the transaction, receive a subtotal for the transaction, select a payment method, or complete the transaction using the POT assistance application program.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for a customizable financial application. This invention allows a user to customize an application, such as an application for a mobile smart phone, to display information or perform actions using data stored by a financial institution, including data about the customer and more general financial data.

Abstract: Embodiments of the invention provide financial health assessment and incentive systems for financially responsible behaviors. The methods, apparatus and computer program products provide for receiving a financial behavior set associated with a customer, identifying a difference between the financial behavior set associated with the customer and a second financial behavior set, and providing to the customer an incentive to make an alteration to a financial behavior. In some example implementations, financial behaviors exhibited by or otherwise attributable to individuals who are socially affiliated with the customer via a social network are observed and associated with the customer. In some example implementations, advertisements for goods and/or services that are potentially attractive to the customer are directed to the customer in response to identifying a difference between the financial behavior set associated with the customer and the second financial behavior set.

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for offering products or services to existing customers of a merchant based on the likelihood that the customer will purchase additional products or services of the merchant, wherein a computing device monitors data that is indicative of a customer's personal circumstances and a processor analyzes changes in the data and correlates the changes to opportunities for the merchant to offer products or services to the customer. A computing device then receives an indication that the customer is proximate in time to a change in data that correlates to an opportunity for the merchant to offer products or services to the customer and communicates the offers for the correlated products or services to the customer.

Abstract: Embodiments of the invention receive an expression of interest for a benefactor from a user, propose creation of an affinity program associated with the benefactor to the user, and create an affinity program associated with the benefactor. Creating includes determining at least one triggering action for triggering a donation to the benefactor, determining at least one potential participant for the affinity program, and inviting the at least one potential participant to join the affinity program. Creating the affinity may also include proposing the affinity program to the benefactor and negotiating contractual terms on behalf of a program administrator, such as, by using an artificial intelligence engine. In some embodiments, creating the affinity also includes, in response to determining the number of expressions of interest from unique users surpasses a predetermined threshold, initiating the affinity program by inviting at least one of the unique users to join the program.

Abstract: A networking platform for lending is disclosed. The platform may facilitate communication of potential borrowers and potential lenders where such lenders are not traditional financial institutional lenders. The platform may be configured to poll a potential borrower's social network to identify acquaintances that may wish to fund at least a portion of the requested loan.

Abstract: Methods, apparatus systems and computer program products are described herein that provide for using video or still shot analysis, such as AR or the like, to assist the user of mobile devices with receiving information corresponding to an abstraction or representation of a subject. Some subjects are difficult to capture in a video or still shot. The method and devices described herein capture representations of difficult to capture or unavailable subjects and presents information related to the subject with the representation. In an embodiment, the representation is a screenshot and the information is provided related to the application that is represented by the screenshot. Various other types of representations including depictions, advertisements, portions of, and identifying marks can be identified by the system and method and information presented relating to the corresponding subjects. In some cases, the information is customized with financial information of the user.

Abstract: System, method, and computer program product are provided for using real-time video analysis to provide the user of mobile devices with security, no matter the user's location. Through the use of real-time vision object recognition objects, logos, artwork, products, locations, and other features that can be recognized in the real-time video stream and frequented locations of the user can be established. In this way, a baseline layout of the frequented location is determined, such that the objects and individuals typically in the frequented area are recognized. The system may continue to take real-time video images of the frequented location, such that if a variation in the baseline layout occurs, the change may be alerted. In this way, a security compromise, such as a break-in to a user's home may be detected by the system and thus the system may notify the user or the appropriate authorities.

Abstract: System, method, and computer program product are provided for using real-time video analysis to provide information about vehicles to a user. Through the user of real-time vision object recognition an image of a vehicle VIN number or a portion of a vehicle may be captured using an image capture device. The VIN number or the portion the vehicle that was captured via the real-time video analysis may be analyzed to determine information about the vehicle. The information may include information about the vehicle, such as the make, model, year, price, vehicle history, and the like. Furthermore, information about the individual's finances, such that an individual may know budgeting of purchasing a vehicle. The information about the vehicle and financial information about purchasing the vehicle is presented to the user.

Abstract: A social networking platform for peer-to-peer underwriting is disclosed. A user's social network acquaintances may be contacted or otherwise polled to determine their agreeability with serving as an underwriter for the user's desired financial services in order to reduce (or eliminate) the financial risk of providing the financial services to the user by the financial services provider. With a plurality of acquaintances willing to underwrite, the financial risk may be substantially dispersed among numerous acquaintances while the user is granted their desired financial services (or a reduced rate for the financial services).

Abstract: Embodiments of the invention are directed to methods, apparatus systems and computer program products that provide for using real-time video analysis for recognizing financial document images by capturing a real-time video stream using a mobile device, wherein the video stream features one or more financial documents, analyzing and correlating the images in the real-time video stream to the images necessary to process the financial document, providing notice to a user of additional images needed to process the financial document and communicating the information associated with the financial document to a financial institution to complete a transaction once sufficient images of the financial document have been captured to process the financial document.