Abstract: Embodiments of the invention include systems, methods, and computer-program products that provide for a unique system for controlling transactions based on command gestures. In one embodiment of the invention, a computer-implemented method determines that a user is conducting a transaction with a mobile device. The mobile device senses a gesture performed by the user with the mobile device and alters at least one aspect of the transaction based on the gesture. The gestures can control a wide variety of aspects of the transaction. For example, 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. In an embodiment, the user is able to customize the gestures to control the transaction according to the user's preferences.

Abstract: Embodiments of the invention include systems, methods, apparatuses, and computer-program products that provide shopping plan optimization. In one embodiment of the invention, information associated with a shopping plan is retrieved by the system; the shopping plan may include a grocery or other shopping list. The system compares the information associated with the shopping plan to a database. The database may include information associated with a plurality of merchants and businesses. The system optimizes the shopping plan based at least partially on the comparison of the information associated with the shopping plan to the database. In an embodiment, the system optimizes the shopping by determining an efficient travel route based on the products and/or items in the shopping plan.

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: A mobile device with a rewritable general purpose card is disclosed. The mobile device includes a mobile wallet accessible to the user such that the user may select a payment vehicle (e.g., debit card, credit card, gift card, etc.) or other vehicle (e.g., merchant loyalty cards, membership cards, rewards cards, medical cards, insurance cards, identification cards, etc.) and encode data related to that vehicle to the rewritable general purpose card. The user may then utilize the encoded general purpose card to make a transaction. Generally, the general purpose card includes one or more displays which may be configured to display information, graphics, data, etc. (e.g. account number, expiration date, user identification such as name and/or photograph, card brand logo, bar codes or other codes readable to an electronic device, etc.).

Abstract: Embodiments of the invention include systems, methods, and computer-program products that provide for a unique directional wayfinding system. In one embodiment of the invention, products are received from the user, such as a shopping list or wish list. The system determines the location of the user, determines the location of the product in the business, determines a route from the user to the product, and provides instructions to the user along the route. In an embodiment, the system identifies and/or confirms the product when the user reaches the product. In at least one embodiment, the systems, methods, and computer-program products provide functionality for the visually-impaired to assist in everyday shopping for products in businesses.

Abstract: Aspects of the disclosure relate to a provisioning of a savings plan for one or more users. In some embodiments, a plan may be generated based on an analysis of information associated with a user. The plan may be adapted or modified over time, optionally in response to the occurrence of one or more events. In some embodiments, a user may have an opportunity to modify a term, value, or condition associated with the plan or a portion thereof. In some embodiments, a user may be provided an incentive for participating in the plan. For example, a user may receive a contribution or be enrolled in a lottery.

Abstract: Embodiments of the invention are directed to methods, systems, apparatus and computer program products for collecting location data, wherein the location data comprises information related to a physical location of a user, retrieving, based at least in part on the collected location data, aggregate data related to the product, the aggregate data comprising at least one of aggregate demand data or aggregate supply data, identifying at least one offer related to the product based at least in part on the collected location data and the retrieved aggregate data; and communicating the offer to the user.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for a predictive analytics platform. First, the platform may be populated by individuals or entities with data. The data may then be categorized into a searchable format. The data may be analyzed to create feed category data and patterns that may provide indications of future trends. The future trends may be in the financial, risk, or product development fields. In this way, the invention may combine data from multiple sources into a single platform for predictive analytics, thus using current data to attempt to predict future trends. Individuals and entities may have access to the platform to analyze the data on the platform or receive patterns previously provided by the system, in order to further predict future trends.

Abstract: Embodiments of the present invention relate to methods and apparatuses for providing a financial service that involves a coverage network. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information, where the transaction involves an account and a holder of the account; (b) determining, based at least partially on the transaction information, that the account does not have sufficient funds or credit to cover the transaction amount; (c) prompting a member of a coverage network to consent to covering at least part of the transaction amount, where the coverage network is associated with the account or the holder, and where the prompting occurs after the determining that the account does not have sufficient funds or credit; (d) receiving the member's consent to covering at least part of the transaction amount; and (e) authorizing the transaction based at least partially on the member's consent.

Abstract: Embodiments of the present invention relate to systems, apparatus, methods and computer program products for providing users customized offers that reflect the user's opportunity cost associated with accepting the offer. In this regard, the customized offers may include additional savings, in terms of an additional discount, percentage-off or other incentive, to account for the user's specific transportation costs, time costs and the like. In additional embodiments the customization accounts for the user's propensity for accepting offers and adjusts the offer discount, percentage-off or other incentive based on their historical acceptance rates. By customizing the offers to account for opportunity costs, and in some embodiments historical offer acceptance rates, the present invention serves to increase offer acceptance, thereby benefiting the program provider and/or the merchants offering the offers/deals.

Abstract: According to some embodiments, a system comprises an interface and one or more processors. The interface receives a request for a transaction from a primary user of a financial account. The processor(s) determine rules associated with the primary user. The rules indicate whether an administrator has authorized the primary user to make the transaction, and at least one of the rules includes comparing a location associated with the request to one or more approved locations from which the primary user is authorized to make the transaction. The processor(s) process the transaction according to the rules.

Abstract: Embodiments of the invention are directed to methods and apparatuses for conducting financial transactions based on identification of individuals in an augmented reality environment. The method includes capturing a video stream using a mobile computing device; analyzing, using a computing device processor, the video stream to distinguish between individuals and objects; identifying an individual in the video stream; authenticating the identity of the individual; and conducting the transaction after the individual is authenticated. The method may also include presenting indicators associated with the user, the identified individual, or the financial transaction.

Abstract: A server behavior modification system assists a customer during a financial activity, such as a transaction, and includes a current financial activity assistance system having a data collection system for collecting current physiological activity data, such as current electrodermal activity data, and a data manipulation system for assessing the likelihood of vulnerability to a predetermined undesired financial behavior, as defined by customer input received by a customer settings definition system. The assessment is based at least in part on the data manipulation system comparing a combined historical behavior pattern with the collected current data. The combined historical behavior pattern comprises a correlation between historical physiological activity data and historical financial activity data. An alerting system instructs a customer behavior modification system to produce an alert based at least in part on an assessment of likely vulnerability to a predetermined undesired financial behavior.

Abstract: A method for effecting transfer of a payment amount to a merchant during a transaction between a customer and the merchant includes determining, using a processing device, a funds shortfall, accessing a funds sharing network comprising a plurality of users, identifying one or more of the users of the funds sharing network, requesting funds from the identified one or more users, and applying funds received from the one or more users to the funds shortfall. In some embodiments, identifying one or more of the users includes determining whether one or more of the users are indebted to the customer, determining levels of connection between two or more of the users and the customer, and developing a hierarchy of users based on the indebted users and the levels of connection.

Abstract: An enhanced rewards server may analyze the progress of an individual, group, and/or organization towards a financial goal and may reward the individual, group, and/or organization once the goal has been achieved. The enhanced rewards server may analyze various pieces of information, including transaction data related to credit cards and bank accounts, to determine whether the individual, group, and/or organization is making progress towards the financial goal. In addition, the rewards server may consider progress evaluations made by a social network associated with the individual, group, and/or organization in deciding whether or not a reward should be transmitted.

Abstract: According to some embodiments, a system comprises an interface and one or more processors. The interface receives a request for a transaction from a primary user of a financial account. The processor(s) determine rules associated with the primary user. The rules indicate whether an administrator has authorized the primary user to make the transaction, and at least one of the rules includes comparing a location associated with the request to one or more approved locations from which the primary user is authorized to make the transaction. The processor(s) process the transaction according to the rules.

Abstract: According to one or more aspects, financial transactions may be conducted using a financial card product, such as a hybrid secured credit card that permits transactions up to a predetermined total credit limit, and then allows transactions in excess using a security interest in assets. The asset may be the available balance in an interest-bearing checking account (e.g., a DDA account), a brokerage account, or other type of account that may hold funds/assets. The available balance of the asset(s) may be monitored in real-time (or near real-time) such that the available spending limit on the hybrid secured credit card may be floating (e.g., dynamic). In one example, backend systems may be configured to monitor in real-time an available balance in security accounts in order to prevent spending over the amount of secured funds. In addition, in some examples, more than one account may be associated with the card such that the total spending limit on the card is greater.

Abstract: According to some embodiments, an account management system comprises a processor coupled to a memory. The memory is operable to store account information associated with a first type of account held by an account holder; and one or more event triggers linked to the account. The processor is operable to receive event information associated with the account, the event information indicating that an event associated with the account has occurred. The processor determines that the event that occurred comprises one or more of the event triggers linked to the account. The processor initiates the activation of a second type of account held by the account holder in response to determining that the event that occurred comprises one or more of the event triggers linked to the account and based at least in part upon the account information associated with the first type of account held by the account holder.

Abstract: A computer system receives information that specifies members of a group and obtains a green goal for the group, where the green goal may comprise of at least one criterion. The green goal may be determined by a business offering a reward and/or by the group members. For example, the computer system may send a list of possible green criteria to specify the group's green goal. Group members may select one or more criteria from the list so that the group's green goal may be determined by a predetermined voting procedure. Based on information about purchases by members of the group, the computer system determines whether the green goal has been attained. If so, a reward may be presented to the group members and/or green organization. The computer system may also generate a recommendation to the group members about attaining the green goal.

Abstract: Apparatuses, computer readable media, methods, and systems are described for determining a first amount of points associated with an account, providing an offer comprising a financial term and a second amount of points required to adjust the financial term, and causing execution of a transaction to execute the offer for the adjusted financial term in response to determining that the first amount of points equals or exceeds the second amount of points.