Abstract: Systems, methods, and computer program products are provided for assisting a consumer during a transaction with a vendor at a point of sale by providing transaction information to the consumer via consumer-readable communications. In one embodiment, a payment terminal proximate the point of sale communicates a transaction information signal to the mobile device. The mobile device communicates the transaction information to the consumer in a consumer-readable format such as audible sound waves. In some embodiments, the consumer-readable communications include requests for consumer input. The consumer input is received by an input device proximate the mobile device and communicated to the payment terminal. In some embodiments consumer input is received by the payment terminal as well as the mobile device, and in some embodiments, the consumer chooses whether to use the mobile device as an interface or only to use the payment terminal.

Abstract: Systems, methods, and computer program products are provided for assisting a consumer during a transaction with a vendor at a point of sale by providing transaction information to the consumer in an audible format. The system includes a consumer device and a payment terminal located proximate the point of sale. The consumer device, either a mobile device carried by the consumer or an immobile device also located proximate the point of sale, communicates with the payment terminal and receives transaction information such as product identity or amount information. The consumer device then produces sound waves audible to the consumer based on the communicated transaction information using one or more private and/or public listening devices. This audible transaction process can be performed automatically during a transaction or can be implemented based on consumer preference.

Abstract: System, method, and computer program product are provided for using real-time video analysis, such as AR or the like to assist the user of mobile devices with landscape design. 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 assist the user with selecting the proper landscape elements for the area the user wishes to landscape. The proper landscape elements may be based off of several factors regarding the landscape area. These factors include natural characteristics of the area, such as soil type, weather, sun/shade, natural terrain of the area, etc. This invention provides recommended landscape elements for an area, such that the recommended landscape elements have a high rate of success in the area.

Abstract: In general terms, embodiments of the present invention relate to apparatuses, methods, and computer program products for presenting information associated with a real estate listing in an augmented reality environment. For example, in some embodiments, a method is provided that includes (a) receiving positioning information from a mobile device; (b) identifying, based at least partially on the positioning information, a real estate property; (c) determining that the real estate property is subject to a real estate listing; and (d) presenting, via the mobile device, information that indicates that the real estate property is subject to a real estate listing.

Abstract: Methods, apparatus and computer-program products are described for providing travel-location merchant offers to users who are determined to be travelling based on Point-Of-Sale (POS) transaction data. Embodiments of the invention compare the location of the POS transaction to the user's domicile location and if the transaction occurs a predetermined distance or greater from the domicile location, the user is determined to be travelling. Once the travelling determination is made, travel-location merchant offers are identified and communicated to the user.

Abstract: Methods, systems, computer programs are described that provide for presenting investment-related information in conjunction with display of a live video stream that includes the related publicly traded or privately held business entity or an object associated with the business entity. Business entities or the objects associated with the business entities that are proximate to a mobile communication device may be identified via object recognition techniques, product codes, wireless communication, location determination or the like. Once the business entities or objects have been identified, the related investment information is retrieved and indicators are displayed in the live video stream proximate to the display of the business entity or an object associated with the business entity.

Abstract: System, method, and computer program product are provided for using real-time video analysis, such as augmented reality, to assist a user of a mobile device with interior design. Through the use of real-time object recognition features, logos, artwork, products, locations, etc. can be recognized in a real-time video stream and can subsequently be matched with data associated with such to assist the user with selecting the proper design elements for a space, such as a kitchen. The proper design elements may be based off of several factors regarding the design space, include the dimensions of the space, the location of windows, doors and outlets, geographic and positional data, other space features, current design elements, architectural features, décor, and style data of the space, etc. This invention provides a virtual area with design elements, such that a user may view the area and determine the proper décor for the area.

Abstract: Aspects of the disclosure relate to assisting credit account holders during economic hardship. More specifically, aspects of the disclosure relate to systems and methods for providing a rebate of at least a portion of a finance charge applied to a credit account. Unlike certain prior art systems and methods, embodiments disclosed herein may benefit both the credit account holder as well as the financial institution that extends the credit account. In one embodiment, it may be determined that several credit accounts meet a threshold of probability of having a charge-off. In certain embodiments, the number of accounts that receive a rebate may be limited to a certain percentage of credit accounts with a non-zero balance.

Abstract: Systems, methods, and computer program products provide for presentation of product offers in conjunction with a live video stream that includes images of the product or images associated with the product. The invention identifies products located proximate to a mobile communication, for example using real-time object recognition techniques, product codes, wireless communication or the like to identify products. Once the products are identified, related offers are determined and offer indicators are presented proximate to the location of the image in the live video stream.

Abstract: Embodiments of the invention are directed to methods and apparatuses for capturing a real-time video stream using a mobile device, determining, using a processor, which images from the real-time video stream are associated with individuals meeting a user defined criteria, and presenting on a display of the real-time video stream, one or more indicators, each indicator being associated with an image determined to be a person meeting the predefined criteria.

Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a financial service that involves a coverage network.

Abstract: Systems, methods, and computer program products are provided for using real-time video analysis and AR or the like to assist the user of mobile devices with commerce activities. Through the use of real-time vision object recognition medical conditions can be recognized in the real-time video stream and can be matched to medical condition related information regarding the medical condition and can also be matched to one or more targeted offers for products related to the medical condition. The medical condition related information may be presenting to the user of the mobile device in conjunction with display of the associated medical condition in a live video stream. Further, in some embodiments, a product can be recognized as products related to a previously recognized medical condition and indicators associated with the recognized products can be presented with the real-time video stream.

Abstract: The present invention provides embodiments of a dependent payment device, such as a credit card, for allowing a primary customer to control and monitor the transactions made by a dependent customer who is authorized to use the account of the primary customer. The primary customer can control the maximum limit that the dependent customer can spend on the dependent card up to the maximum amount that the financial institution has approved for the primary customer. The primary customer can also block/approve purchases that the dependent customer can make at store or on products by adding MCCs, store names, store types, UPCs, or other product or store identifiers to a list of blocked/approved transactions. The primary customer can set monetary and time limits on the amount and frequency of the transactions the dependent customer can make at stores or on products that have been blocked/approved.

Abstract: Aspects of the disclosure relate to assisting credit account holders during economic hardship. More specifically, aspects of the disclosure relate to systems and methods for providing a rebate of at least a portion of a finance charge applied to a credit account. Unlike certain prior art systems and methods, embodiments disclosed herein may benefit both the credit account holder as well as the financial institution that extends the credit account. In one embodiment, it may be determined that several credit accounts meet a threshold of probability of having a charge-off. In certain embodiments, the number of accounts that receive a rebate may be limited to a certain percentage of credit accounts with a non-zero balance.

Abstract: In general terms, embodiments of the present invention relate to methods, apparatuses, and computer program products for providing health or flexible spending account information in association with products identified in an augmented reality environment. In some embodiments, a method is provided that includes: (a) receiving information associated with an image, where the image was captured by a mobile device; (b) determining, based at least partially on the information associated with the image, that the image shows a product that qualifies for purchase under a medical savings plan; and (c) presenting, via the mobile device, information that indicates that the product qualifies for purchase under the medical savings plan.

Abstract: The present invention provides embodiments of a dependent payment device, such as a credit card, for allowing a primary customer to control and monitor the transactions made by a dependent customer who is authorized to use the account of the primary customer. The primary customer can control the maximum limit that the dependent customer can spend on the dependent card up to the maximum amount that the financial institution has approved for the primary customer. The primary customer can also block/approve purchases that the dependent customer can make at store or on products by adding MCCs, store names, store types, UPCs, or other product or store identifiers to a list of blocked/approved transactions. The primary customer can set monetary and time limits on the amount and frequency of the transactions the dependent customer can make at stores or on products that have been blocked/approved.

Abstract: Systems, methods, and computer program products are provided for using real-time video analysis and AR or the like to assist the user of mobile devices with commerce activities. Through the use of real-time vision object recognition medical conditions can be recognized in the real-time video stream and can be matched to medical condition related information regarding the medical condition and can also be matched to one or more targeted offers for products related to the medical condition. The medical condition related information may be presenting to the user of the mobile device in conjunction with display of the associated medical condition in a live video stream. Further, in some embodiments, a product can be recognized as products related to a previously recognized medical condition and indicators associated with the recognized products can be presented with the real-time video stream.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for an institution provided data share platform. The institution provided data share platform allows customers and commercial partners to access data the institution may have. Specific platform data access may be limited and/or monitored by the institution to ensure customer safety and privacy compliance. Allowing access to the institution data provides a customer the means to create customized applications utilizing the data in combination with data provided by the customer. In return for access to the platform, the institution may recover assessments based on the application the customer creates.

Abstract: Embodiments of the invention are directed to a call center system providing network metrics based off of an individual's social networking connections, and more particularly embodiments of the invention are directed to methods, apparatuses, and computer program products for providing a recommendation to an individual contacting the call center, based on the reason the customer is contacting the call center and the customer's network metrics. The network metrics include analyzing an individual's social networks and the social network of connections associated with the customer. In this way, recommendations, such as a promotion, product, service, or response to the communication to the call center may be tailored to network metrics of an individual from social networks.

Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for prepaying, covering, avoiding, negating, and/or otherwise offsetting future account discrepancy assessments.