Abstract: A system includes a monitoring device coupled to a vehicle. The monitoring device includes a processor. The monitoring device also includes an output interface coupled to the processor that communicates information to a driver of the vehicle. The monitoring device further includes a communication interface coupled to the processor. The processor receives, via the communication interface, sensor information relating to operating the vehicle. The processor also receives, via the communication interface, a risk factor relating to operating the vehicle based at least in part on the sensor information. The processor further outputs, via the output interface, an adjustment to an insurance premium of the driver, an adjustment to an insurance deductible of the driver, or a payment amount of the driver, based at least in part on the risk factor.

Abstract: Techniques provided herein relate to electronic data access requests. An access system receives at least one electronic data action request from a client. At least a portion of the data access authentication information is sourced from a secondary device connected to an intermediary device. The electronic data action request is authenticated based upon the data access authentication information.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media for an automated financial management system. One of the methods includes receiving data indicating a list of historic transactions of a user from a plurality of financial institutions. The method includes identifying at least one predicted unexpected expense based on providing at least some of the data to a trained machine-learning model, the trained machine-learning model trained using historic transaction data of a plurality of other users. The method includes determining a plan to account for the unexpected expense. The method also includes automatically transferring an amount based on the plan.

Abstract: Techniques are described for using a supplemental data layer of a real time payments channel to send data. For example, an entity may request a transaction with another entity, and the transaction may be performed using a channel that includes a supplemental data layer. Supplemental data, in addition to the data for the transaction itself, may be communicated using the supplemental data layer to entities involved in the transaction, and/or to third parties. The supplemental data may be sent in real time with respect to the sending of the data for the transaction. In some instances, supplemental data layer is present in one or both directions in the two-way communications between the entities involved in the transaction. The supplemental data layer can be leveraged to provide additional information and/or services to a user involved in the transaction.

Abstract: A system and method for improving the delivery of information to a remote user by anticipating the information that might be requested, and populating a cache with that information such that it may be more quickly retrieved when the remote user requests it. The cache may be located on one of the institution's servers, or the user's computing device, on an intermediate server such as a server in the cloud, or on a combination of these servers or devices. The embodiments disclosed herein apply when an unexpected event occurs or is predicted such as a hurricane or other weather event; a financial event, or a personal event such as a car accident or a medical emergency.

Abstract: A system, method and apparatus for detecting the presence of a portable computing device (a smart phone device) in an area of proximity to a vendor to determine relevant pertinent information. A beacon device at a retail location establishes communication with a user's smart phone device which detection is then send to a remotely located server. The remotely located server determines if the detected portable computing device is associated with a predefined category of user. Contingent upon the category of user determination, a determination is made regarding information pertinent to the user. The pertinent information is then caused to be sent to the user's smart phone device.

Abstract: A system, method and apparatus for detecting the presence of a portable computing device (a smart phone device) in an area of proximity to a vendor to determine relevant pertinent information. A beacon device at a retail location establishes communication with a user's smart phone device which detection is then send to a remotely located server. The remotely located server determines if the detected portable computing device is associated with a predefined category of user. Contingent upon the category of user determination, a determination is made regarding information pertinent to the user. The pertinent information is then caused to be sent to the user's smart phone device.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, to provide digital identification. One of these methods includes receiving a request for a digital document from a digital wallet executing on a mobile device. The method includes identifying a digital document provider capable of providing the requested document. The method includes sending the request for the digital document to the identified digital document provider. The method includes receiving, from the digital document provider, information that enables the mobile device to view the digital document and does not enable the computer system to view the digital document.

Abstract: The present disclosure relates generally to systems and methods for delivering personalized content to a customer. More specifically, the present disclosure relates to systems and methods for providing notifications related to the needs of a customer. A content management system may determine the needs of a customer as they relate to relevant products and/or services offered by one or more business entities, determine and prioritize actions that may fulfill these needs, and deliver personalized content to the customer based on the customer's information. Accordingly, the systems and techniques provided herein may improve the efficiency and reduce the time involved with delivering effective content to a customer.

Abstract: A system and method that allow an institution's customer's anticipated data to be stored in a cache in advance of a request for that data, using predictive models based upon analyses of each specific customer's historical patterns. For example, when a customer logs on to an institution's server, a machine learning application on that server may predict the type or category of data that the customer may intend to retrieve, based upon his or her previous patterns when logging on. Typical categories of data may include, for example, account balances, status of outstanding loans, credit card data, and insurance information. By populating the cache with such anticipated data, that data may be more quickly accessed by the customer.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media for an automated financial management system. One of the methods includes receiving data indicating a list of historic transactions of a user from a plurality of financial institutions. The method includes identifying at least one predicted unexpected expense based on providing at least some of the data to a trained machine-learning model, the trained machine-learning model trained using historic transaction data of a plurality of other users. The method includes determining a plan to account for the unexpected expense. The method also includes automatically transferring an amount based on the plan.

Abstract: Techniques are described for using a supplemental data layer of a real time payments channel to send data. For example, an entity may request a transaction with another entity, and the transaction may be performed using a channel that includes a supplemental data layer. Supplemental data, in addition to the data for the transaction itself, may be communicated using the supplemental data layer to entities involved in the transaction, and/or to third parties. The supplemental data may be sent in real time with respect to the sending of the data for the transaction. In some instances, supplemental data layer is present in one or both directions in the two-way communications between the entities involved in the transaction. The supplemental data layer can be leveraged to provide additional information and/or services to a user involved in the transaction.

Abstract: Systems and methods are provided for secure access to data actions. In one embodiment, secondary devices are identified based upon communicative coupling with a primary device. The secondary devices are registered as trusted devices for subsequent authentication.

Abstract: Techniques provided herein relate to electronic data access requests. An access system receives at least one electronic data action request from a client. At least a portion of the data access authentication information is sourced from a secondary device connected to an intermediary device. The electronic data action request is authenticated based upon the data access authentication information.

Abstract: Techniques are described for adjusting policy characteristics based on a determined similarity between routes. A similarity metric may be determined indicating the similarity between a first route followed by a vehicle and/or driver and a second (e.g., previous) route followed by the vehicle and/or driver. A similarity metric may indicate the similarity in movements, and changes in movement, exhibited by the vehicle on the routes. The similarity metric may be determined through analysis of real time data collected by in-vehicle sensor(s), mobile user device(s), external sensors or other data sources. Based on the similarity metric, a premium, a deductible, a price, or other characteristic(s) of a policy may be determined. In some examples, policy characteristics may be adjusted (e.g., in real time) based on the analysis according to changing risk conditions if a driver is following routes that are dissimilar from typical routes.

Abstract: Techniques provided herein relate to registering secondary authentication information with a blockchain. A block chain is stored, having primary authentication information, secondary authentication information, or both that is used in authenticating one or more electronic data action requests provided by a client system to a backend system. The client system, a secondary device, or both registers the secondary device with blockchain node, such that secondary device data is stored as the primary authentication information, the secondary authentication information, or both in the blockchain node.

Abstract: A system, method and apparatus for detecting the presence of a portable computing device (a smart phone device) in an area of proximity to a vendor to determine relevant pertinent information. A beacon device at a retail location establishes communication with a user's smart phone device which detection is then send to a remotely located server. The remotely located server determines if the detected portable computing device is associated with a predefined category of user. Contingent upon the category of user determination, a determination is made regarding information pertinent to the user. The pertinent information is then caused to be sent to the user's smart phone device.

Abstract: Techniques are described for providing a simultaneous, multi-device user experience that employs computing devices with varying capabilities for data input and/or data output, using a microservice-based architecture. A user may register multiple devices with a service, which determines capabilities of the devices for data input and/or output. During a communication session involving the user and another user, such as a service representative, the service may receive input data collected through device(s) and/or provide output data to be presented on the same or other device(s), where such data input and data output is received and provided according to the input/output capabilities of the various devices. The data input and/or output may switch from device to device during a session. In some instances, data may be replicated for presentation through multiple devices simultaneously. Interactions with each device may be through a microservice that is associated with the device and/or its device type.

Abstract: A system includes a monitoring device coupled to a vehicle. The monitoring device includes a processor. The monitoring device also includes an output interface coupled to the processor that communicates information to a driver of the vehicle. The monitoring device further includes a communication interface coupled to the processor. The processor receives, via the communication interface, sensor information relating to operating the vehicle. The processor also receives, via the communication interface, a risk factor relating to operating the vehicle based at least in part on the sensor information. The processor further outputs, via the output interface, an adjustment to an insurance premium of the driver, an adjustment to an insurance deductible of the driver, or a payment amount of the driver, based at least in part on the risk factor.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, to provide digital identification. One of these methods includes receiving a request for a digital document from a digital wallet executing on a mobile device. The method includes identifying a digital document provider capable of providing the requested document. The method includes sending the request for the digital document to the identified digital document provider. The method includes receiving, from the digital document provider, information that enables the mobile device to view the digital document and does not enable the computer system to view the digital document.