Abstract: Image analysis is performed on a user at a transaction terminal. Based on behaviors, expressions, and activities of the user, fraud or potential fraud is flagged. When fraud is flagged, the transaction terminal stops processing an active transaction on behalf of the user and alerts are sent. When potential fraud is flagged, images/video associated with the active transaction are sent for review and the active transaction may be suspended or permitted to proceed at the transaction terminal. In an embodiment, a same user conducting multiple transactions with different accounts at a same transaction terminal or multiple different transaction terminals within a configured period of time is automatically identified as fraud based on a fraud rule.

Abstract: A monitoring project is defined interactively through an interface. Resources needed for the project are obtained, configured, arranged, and verified within a target area. Video and audio feeds are captured and analyzed during a project period within the target area and customer interactions and intentions are derived from detected customer behaviors within the feeds. The intentions and behaviors are indexed with aggregated metrics within a data store. The interface provides custom queries, reports, interactive graphics, and real-time notifications from the data store that depict the custom aggregated metrics for the intentions and behaviors of the monitoring project.

Abstract: An item return for an item is identified and a workflow is determined based on first factors defined in customized rules. Resources associated with the workflow may be staged on devices associated with the item return and the workflow is initiated. When the item is detected as being present at a drop-off location for the item, item and customer information are gathered in accordance with the customized rules associated with the workflow. Security checks are processed using second factors defined in the customized rules. A decision is made based on the security checks as to whether the item return can continue processing with the workflow or as to whether an item return exception is to be raised for evaluation and/or inspection of the item and item return information collected before the item return exception was raised.

Abstract: A monitoring project is defined interactively through an interface. Resources needed for the project are obtained, configured, arranged, and verified within a target area. Video and audio feeds are captured and analyzed during a project period within the target area and customer interactions and intentions are derived from detected customer behaviors within the feeds. The intentions and behaviors are indexed with aggregated metrics within a data store. The interface provides custom queries, reports, interactive graphics, and real-time notifications from the data store that depict the custom aggregated metrics for the intentions and behaviors of the monitoring project.

Abstract: Image analysis is performed on a user at a transaction terminal. Based on behaviors, expressions, and activities of the user, fraud or potential fraud is flagged. When fraud is flagged, the transaction terminal stops processing an active transaction on behalf of the user and alerts are sent. When potential fraud is flagged, images/video associated with the active transaction are sent for review and the active transaction may be suspended or permitted to proceed at the transaction terminal. In an embodiment, a same user conducting multiple transactions with different accounts at a same transaction terminal or multiple different transaction terminals within a configured period of time is automatically identified as fraud based on a fraud rule.

Abstract: An item return for an item is identified and a workflow is determined based on first factors defined in customized rules. Resources associated with the workflow may be staged on devices associated with the item return and the workflow is initiated. When the item is detected as being present at a drop-off location for the item, item and customer information are gathered in accordance with the customized rules associated with the workflow. Security checks are processed using second factors defined in the customized rules. A decision is made based on the security checks as to whether the item return can continue processing with the workflow or as to whether an item return exception is to be raised for evaluation and/or inspection of the item and item return information collected before the item return exception was raised.

Abstract: Locations of a customer's device are tracked relative to an order placed with an establishment. The establishment is instructed to begin order preparation to coincide with the customer's arrival for the order. Customer's arrival at a pickup location is detected within a geofenced area for a premises of the establishment's location. Sensor data provided for the geofenced area is processed to track a vehicle of the customer within the geofenced area and to identify a specific location within the geofenced area where the vehicle is parked. Delivery staff are notified that the customer has arrived for the order and directed to the specific location where the vehicle is parked.

Abstract: An item return transaction for an item is identified at a transaction terminal. The item is authenticated using multiple factors at least some of which are independent of item code identification for the item. A fraud score is calculated based on the multiple factors, item code identification, and data that is specific to a customer associated with the transaction, specific to the item, specific to a store associated with the transaction terminal, and specific to a retailer associated with the store. The fraud score and a customer-return grade for the customer are processed to determine whether the transaction can complete at the terminal without assistance or whether the transaction is to be held in abeyance for an audit (onsite audit or remote network-based audit). In an embodiment, the t terminal is a Self-Service Terminal (SST) and the transaction is a self-item return transaction conducted by a customer at the terminal.

Abstract: An item return for an item is identified and a workflow is determined based on first factors defined in customized rules. Resources associated with the workflow may be staged on devices associated with the item return and the workflow is initiated. When the item is detected as being present at a drop-off location for the item, item and customer information are gathered in accordance with the customized rules associated with the workflow. Security checks are processed using second factors defined in the customized rules. A decision is made based on the security checks as to whether the item return can continue processing with the workflow or as to whether an item return exception is to be raised for evaluation and/or inspection of the item and item return information collected before the item return exception was raised.

Abstract: A user makes a request from a requesting device for access to a secure operation associated with a network-based service. A first biometric authentication is processed for the request and at least one second scope-based authentication is processed for the request based on an analysis of a physical environment for the requesting device. A determination is made based on at least the first biometric authentication and the scope-based authentication whether the secure operation can be: processed on behalf of the user by the network-based service, not processed at all, or processed only if requested from a specific medium/channel associated with a specific device, which may or may not be the requesting device.

Abstract: A user makes a request from a requesting device for access to a secure operation associated with a network-based service. A first biometric authentication is processed for the request and at least one second scope-based authentication is processed for the request based on an analysis of a physical environment for the requesting device. A determination is made based on at least the first biometric authentication and the scope-based authentication whether the secure operation can be: processed on behalf of the user by the network-based service, not processed at all, or processed only if requested from a specific medium/channel associated with a specific device, which may or may not be the requesting device.

Abstract: A natural-language voice chatbot engages a consumer in a voice dialogue. The consumer can perform voice queries for specific items and/or specific establishments for placing a pre-staged order with the chatbot. Once the consumer selects options with a specific establishment, a pre-staged order is provided to the corresponding establishment on behalf of the user. Location data for a consumer-operated device is monitored and when it is determined that the consumer will arrive at the establishment within a time period required by the establishment to prepare the pre-staged order, a message is sent to the establishment to begin preparing the pre-staged order. When the location data indicates that the consumer has arrived at the establishment, a second message is sent to the establishment informing the establishment that the consumer has arrived to pick up the fulfilled order.

Abstract: A natural-language voice chatbot engages a consumer in a voice dialogue. The chatbot is customized for engaging the specific consumer based on features and characteristics of that specific consumer's speech and a lexicon associated with terms, words, and commands for item ordering. The consumer can perform voice queries for specific items and/or specific establishments for placing a pre-staged order with the chatbot. Once the consumer selects options with a specific establishment, a pre-staged order is provided to the corresponding establishment on behalf of the user. Location data for a consumer-operated device is monitored and when it is determined that the consumer will arrive at the establishment within a time period required by the establishment to prepare the pre-staged order, a message is sent to the establishment to begin preparing the pre-staged order.

Abstract: A natural-language voice chatbot is initiated and a voice session is established between the chatbot and a customer while the customer is operating a vehicle device within a vehicle. A pre-staged order is taken from a customer during the session and the session is suspended until the customer arrives at a store associated with the pre-staged order. A location-based trigger is raised when the customer is detected as being present at a transaction terminal of a store; the session is resumed on the transaction terminal and/or the vehicle device. The pre-stage order is confirmed during the resumed session and payment is obtained from the customer for the order when payment was not already obtained from the customer. The order is sent to a fulfillment station and, in an embodiment, the items associated with the order are delivered to the customer while the customer remains at the terminal.

Abstract: A monitoring project is defined interactively through an interface. Resources needed for the project are obtained, configured, arranged, and verified within a target area. Video and audio feeds are captured and analyzed during a project period within the target area and customer interactions and intentions are derived from detected customer behaviors within the feeds. The intentions and behaviors are indexed with aggregated metrics within a data store. The interface provides custom queries, reports, interactive graphics, and real-time notifications from the data store that depict the custom aggregated metrics for the intentions and behaviors of the monitoring project.

Abstract: A monitoring project is defined interactively through an interface. Resources needed for the project are obtained, configured, arranged, and verified within a target area. Video and audio feeds are captured and analyzed during a project period within the target area and customer interactions and intentions are derived from detected customer behaviors within the feeds. The intentions and behaviors are indexed with aggregated metrics within a data store. The interface provides custom queries, reports, interactive graphics, and real-time notifications from the data store that depict the custom aggregated metrics for the intentions and behaviors of the monitoring project.

Abstract: A consumer is identified at a transaction terminal. A natural-language voice chatbot is initiated for the transaction. The chatbot is configured with store information for a store associated with the terminal and, optionally, with preferences registered to the consumer. A natural language voice dialogue using, at least the store information, is initiated between the chatbot and the consumer while the consumer is at the terminal and during the transaction. The consumer may order store items from the store and pay for the items through the dialogue. In an embodiment, the items ordered are delivered to the terminal where the consumer is located.

Abstract: A consumer is identified at a transaction terminal. A natural-language voice chatbot is initiated for the transaction. The chatbot is configured with store information for a store associated with the terminal and, optionally, with preferences registered to the consumer. A natural language voice dialogue using, at least the store information, is initiated between the chatbot and the consumer while the consumer is at the terminal and during the transaction. The consumer may order store items from the store and pay for the items through the dialogue. In an embodiment, the items ordered are delivered to the terminal where the consumer is located.

Abstract: Image analysis is performed on a user at a transaction terminal. Based on behaviors, expressions, and activities of the user, fraud or potential fraud is flagged. When fraud is flagged, the transaction terminal stops processing an active transaction on behalf of the user and alerts are sent. When potential fraud is flagged, images/video associated with the active transaction are sent for review and the active transaction may be suspended or permitted to proceed at the transaction terminal. In an embodiment, a same user conducting multiple transactions with different accounts at a same transaction terminal or multiple different transaction terminals within a configured period of time is automatically identified as fraud based on a fraud rule.

Abstract: An Internet-of-Things (IoT)-enabled lock is provided to control access to a secure physical asset. Disparate authorized systems make requests for an access and receive authorization to access the asset. An authorized user with an authorized mobile device is dispatched to the asset pursuant to a request. Proximity-based mobile device authentication is performed when the mobile device is in a configured proximity of the asset and the mobile device establishes a wireless connection to the lock. A second factor authentication is performed on the user that operated the mobile device. A One-Time Code (OTC) is generated and provided to either the lock or the mobile device for access to the asset. Access events and service information for the asset are stored in a shared data repository. Each system has access through to the shared data repository to all auditing information associated with the asset.