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: Method and systems described herein may provide multifactor mutual authentication. A first server may provide a first party and a second party with at least two authentication components in order for the first party to authenticate the identity of the second party, and vice versa. The first authentication component may include a color-based authentication component, while the second authentication component may include a code-based authentication component. Both factors need to be validated in order for the authentication to be successful. The color-based authentication component, in combination with the code-based authentication component, may improve the speed with which the mutual authentication is performed.

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: 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: 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.

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: Method and systems described herein may provide multifactor mutual authentication. A first server may provide a first party and a second party with at least two authentication components in order for the first party to authenticate the identity of the second party, and vice versa. The first authentication component may include a color-based authentication component, while the second authentication component may include a code-based authentication component. Both factors need to be validated in order for the authentication to be successful. The color-based authentication component, in combination with the code-based authentication component, may improve the speed with which the mutual authentication is performed.

Abstract: A device may obtain a first image depicting contents included in a secure storage container at a first point in time and first user account data associated with the secure storage container. The device may store the first image in a data structure associated with the first user account data. In addition, the device may receive data indicating that an individual associated with a second user account accessed the secure storage container, and receive a second image depicting contents included in the secure storage container at a second point in time. The second image may be stored in the data structure. The device may further receive, from a user device associated with the first user account data, a request to access the data structure, and the device may provide, to the user device, data that causes display of the second image.

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: A computing device (e.g., a content packager) may receive a request for content (e.g., video, audio, games, applications, data). The computing device may send a second request for the requested content to an encoder. In response to the second request, the computing device (e.g., the content packager) may receive the requested content and a content manifest associated with the requested content. The computing device may determine that encryption key data (e.g., an encryption key and/or key metadata) for the requested content is not in a cache associated with the computing device. The computing device (e.g., the content packager or a cache associated with the content packager) may send a request for the encryption key data associated with the requested content to a cache associated with a second computing device, based on the determination that the encryption key data is not in the cache associated with the computing device.

Abstract: The present invention provides a device and system for monitoring the accuracy of procedures in the course of the performance of a task, the task comprising at least one procedure to be performed, the device comprising: an input interface for receiving input data relating to the procedures; a data store for storing data relating to the procedures; a processor for: comparing the input data with the stored data; and generating a comparison result indicating the result of that comparison; and an output interface for outputting the comparison result.

Abstract: An article for use in a non-combustible aerosol provision system, the article comprising an aerosol generating material, a mouthpiece downstream of the aerosol generating material and a wrapper, wherein the wrapper comprises a sensate material. Also, a method of manufacturing the article and a system comprising the article and a device for heating the aerosol generating material.

Abstract: A system and method are disclosed in which cash deposits may be made at merchant locations who support such deposits. Using a mobile phone or other hand-held device, a bank customer requests a cash deposit from a banking app, receives a barcode on the mobile device, the barcode containing embedded information indicating the cash deposit amount, and presents the barcode to the merchant, along with the cash to be deposited. Once the transaction with the merchant is complete, the account of the bank customer's account is credited with the cash amount. The bank uses behavioral and historical data of the bank customer to customize a cash deposit limit for the customer.

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: 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: A device may obtain a first image depicting contents included in a secure storage container at a first point in time and first user account data associated with the secure storage container. The device may store the first image in a data structure associated with the first user account data. In addition, the device may receive data indicating that an individual associated with a second user account accessed the secure storage container, and receive a second image depicting contents included in the secure storage container at a second point in time. The second image may be stored in the data structure. The device may further receive, from a user device associated with the first user account data, a request to access the data structure, and the device may provide, to the user device, data that causes display of the second image.

Abstract: The present invention provides a device and system for monitoring the accuracy of procedures in the course of the performance of a task, the task comprising at least one procedure to be performed, the device comprising: an input interface for receiving input data relating to the procedures; a data store for storing data relating to the procedures; a processor for: comparing the input data with the stored data; and generating a comparison result indicating the result of that comparison; and an output interface for outputting the comparison result.

Abstract: A device may receive transaction data indicating that a transaction occurred. The transaction may be between a first user of a first device and a second user of a second device. The device may receive, from the first device, first sensor data indicating a first location recorded by a first sensor of the first device at a first point in time associated with the transaction; and receive, from the second device, second sensor data indicating a second location recorded by a second sensor of the second device at a second point in time associated with the transaction. Based on the transaction data, the first sensor data, and/or the second sensor data, the device may determine whether the transaction occurred and perform an action based on the determination of whether the transaction occurred.

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.