Abstract: An automated method is provided for enabling and implementing a beacon-based service location application in a user device having a beacon monitoring application. A service location facilitation server establishes service need criteria for a user of the user device and estimates a service need state for the user. The service need state includes information indicative of a relative need for a desired service. The service location facilitation server then determines whether the service need state meets the service need criteria, and, if so, transmits an instruction to the user device to transition the beacon monitoring application from an inactive state to an active monitoring state.

Abstract: A device may receive information related to a first plurality of individuals and an individual. Each of the first plurality of individuals may be associated with a respective one or more accounts. The device may receive a request to match the individual and one or more individuals. The device may determine a match of the individual and the one or more individuals based on the information. The device may receive, from a user device associated with the individual, a selection of an account, of the respective one or more accounts, associated with another individual of the first plurality of individuals. The device may provide, for display to the other individual, a notification that the individual and the other individual have been matched and that the individual selected the account associated with the other individual. The device may perform one or more actions related to completing the transaction using the account.

Abstract: The present disclosure provides computing systems and techniques for indicating an emotional and/or environmental state of a user in a digital messaging application. A computing device can determine an emotional and/or environmental state of a first user responsive to reading or responding to a message and can convey the determined emotional and/or environmental state to a second computing device, to be transiently presented by the second computing device.

Abstract: An intelligence platform determines that a package was delivered to a location, and receives real-time information associated with the package or location. The real-time information includes sensor data received from one or more sensor devices disposed proximate to the package, or third party data received from one or more third party devices associated with a geographic region that includes the location to which the package was delivered. The intelligence platform determines, using a machine learning model, a score for the package based on the real-time information, where the score predicts a measure of vulnerability of the package, and determines whether to retrieve or protect the package based on the score. The intelligence platform selects an unmanned vehicle (UV) to retrieve or protect the package based on vehicular data, and transmits instructions to the UV to cause the UV to navigate to the package and retrieve or protect the package.

Abstract: A device may receive a request for a product. Based on the request, the device may determine a geographic location and delivery time for delivery of the product, and the device may identify product locations that are capable of providing the product and located near the geographic location. The device may determine, for each of the product locations and based on the product and at least one product location characteristic, a fulfillment time indicating when the product will be prepared for delivery. In addition, the device may identify at least one potential courier capable of transporting the product. Based on the fulfillment time, the delivery time, the geographic location for delivery, and at least one courier characteristic associated with the potential courier, the device may select a particular product location and a particular courier and perform an action based on the particular product location or the particular courier.

Abstract: An authentication method includes assigning a risk status to a request received from a remote interaction system, transmitting a notification communication to a device associated with the request, monitoring interaction data from an interaction network, and identifying, from the monitored interaction data, authentication interaction information, the authentication interaction information including a coded sequence and a predetermined authentication identifier. The authentication method also includes comparing the coded sequence in the authentication interaction information to an expected coded sequence and transmitting a verification communication after determining the coded sequence in the authentication interaction information matches the expected coded sequence.

Abstract: An automated method is provided for enabling and implementing a beacon-based service location application in a user device having a beacon monitoring application. A service location facilitation server establishes service need criteria for a user of the user device and estimates a service need state for the user. The service need state includes information indicative of a relative need for a desired service. The service location facilitation server then determines whether the service need state meets the service need criteria, and, if so, transmits an instruction to the user device to transition the beacon monitoring application from an inactive state to an active monitoring state.

Abstract: Methods and systems described herein provide for protecting user information in an overlay service. Protecting user information may include redacting personally identifiable information (PII) from information that may be exposed to third parties. Additionally, protecting user information may include opening a second account on behalf of the user using a plurality of unique identifiers in lieu of information identifying the user. This protects users' identities and privacy as their assets are transferred between various institutions.

Abstract: In an automated product delivery method a request for delivery of a product is received from a user device. One or more product delivery options are determined and transmitted to the user device and a selected product delivery option is received from the user device. The product is provided to the selected delivery location in advance of the selected delivery time window. A delivery processing server receives user device location information and determines an estimated arrival time of the user at the delivery location. At the estimated arrival time, the product is securely staged for pickup by the user. The delivery processing server receives user validation information, and responsive to validation of the user information, transmits to the delivery location processing device, an instruction to allow access to the product by the user, and access to the product by the user is allowed.

Abstract: A device may receive application questions for an individual applying for credit with an organization. The device may broadcast the application questions to additional devices that have access to a distributed ledger for sharing credit worthiness information to cause at least one of the additional devices to generate an application response to the application questions and to process the application response using a smart contract. The device may receive one or more application responses that have been encrypted. Each of the application responses may include particular credit worthiness information relating to the individual. The device may decrypt the application responses. The device may determine a credit worthiness score for the individual using the application responses. The device may perform one or more actions that allow the device or another device associated with the organization to use the credit worthiness score to determine whether to approve the individual for credit.

Abstract: A central entity can be in communication with a terminal and a plurality of authentication entities. The central entity can receive a token from the terminal and the central entity can decide to transmit the token to a subset of the plurality of authentication entities. The authentication entities which receive the token, can verify or authenticate the token and transmit an authentication message to the central entity. Based on the authentication messages, the central entity can transmit a message to the terminal indicating which authentication entities authenticated or verified the user and/or a request associated with the user.

Abstract: Various embodiments are generally directed to techniques utilizing computers to determine one or more locations for a customer to pickup a product based on a trained models. Embodiments may also include generating a code that may be utilized to obtain the product and perform a verification operation.

Abstract: An automated method is provided for enabling and implementing a beacon-based service location application in a user device having a beacon monitoring application. A service location facilitation server establishes service need criteria for a user of the user device and estimates a service need state for the user. The service need state includes information indicative of a relative need for a desired service. The service location facilitation server then determines whether the service need state meets the service need criteria, and, if so, transmits an instruction to the user device to transition the beacon monitoring application from an inactive state to an active monitoring state.

Abstract: A system, apparatus, and method are disclosed to enable a bank to send a secure object to a bank customer at a remote location. In addition to performing authentication, the system and method exploit the payment rails to verify transactions by the bank customer, as well as to confirm the physical location of the customer. The bank customer who is successfully verified may receive the secure object by courier at the remote location within a limited time period of the request.

Abstract: An automated method is provided for enabling and implementing a beacon-based service location application in a user device having a beacon monitoring application. A service location facilitation server establishes service need criteria for a user of the user device and estimates a service need state for the user. The service need state includes information indicative of a relative need for a desired service. The service location facilitation server then determines whether the service need state meets the service need criteria, and, if so, transmits an instruction to the user device to transition the beacon monitoring application from an inactive state to an active monitoring state.

Abstract: Methods, systems, and apparatuses for improved content recording and playback are described herein. A user device may concurrently record and output a content item. For example, the user device may be associated with a recording session. A session index may identify the recording session and indicate the user device is concurrently recording and outputting the content item. The session index may be used to ensure that a manifest for the content item is continuously updated.

Abstract: In one aspect an aerosol-generating device comprising a smoking article and a heat source is described. The smoking article includes a smokable material and a cooling agent, the smokable material including a tobacco component. The heat source is disposed to heat, but not burn the smokable material in use. The cooling agent comprises a compound or a combination of compounds according to either of the following formulae, racemates, enantiomers and salts thereof (I, II).

Abstract: Systems and methods for determining an optimal delivery location based on delivery address and delivery time are provided. An example method includes receiving an online order from a user application installed on a user device; generating a map comprising a dynamic display of a local service area polygon associated with the online order and transmitting the map to the user application; transmitting to the user application a request for a delivery address; upon receipt of the delivery address, querying the delivery address to determine whether the local service area polygon includes the delivery address; transmitting to the user application a request for a delivery time; upon receipt of the delivery time, automatically recommending an optimal delivery location and time within the local service area polygon based on the delivery address and delivery time; and executing a delivery of the online order based on the optimal delivery location and time.

Abstract: Various embodiments are generally directed to techniques utilizing computers to determine one or more locations for a customer to pickup a product based on a trained models. Embodiments may also include generating a code that may be utilized to obtain the product and perform a verification operation.

Abstract: Techniques and apparatus for an interactive element presentation process are described. In one embodiment, for example, an apparatus may include a storage device and logic, at least a portion of the logic implemented in circuitry coupled to the storage device. The logic may operate to maintain a platform database of services selection information based on user selections of a plurality of services, receive an onboarding request from a user device to register a user with a service platform requiring background verification, determine an onboarding request result, and transmit an eligible set of the plurality of service options for presentation on a user device based on a user level of approval and services selection information. Other embodiments are described.