Abstract: Disclosed are approaches for computationally-efficient data promulgation among devices in a network. Structured databases may comprise standardized and immutable bytes, each byte linked to a unique data field, a mutable state element, and a mutable activation element. The state element may indicate that there has been a mutation as well as a recency of the mutation. The activation element may indicate whether data pushes and/or data pulls are enabled. The state elements are configured to automatically mutate if there is a mutation in a corresponding unique data field. Each device in the network may transmit API calls as state-element requests to other entity devices in a network. The API call includes at least one byte, without any values in corresponding data fields. State elements are promulgated among devices, without sharing the data fields themselves. An optional central system maintains a record of state elements without storing data field values.

Abstract: In some examples, a transaction instrument includes a body that defines a first face and a second face, a chip assembly comprising an integrated circuit chip, an aperture in a portion of the body that provides access to a portion of the transaction instrument, and an attachment mechanism configured to secure the chip assembly at least partially within the body and hold the chip assembly substantially flush with the first face of the body. At least one of the body, the attachment mechanism, or a portion of the chip assembly is designed to fail in response to a force applied via the aperture in the body, and wherein the failure of the at least one of the body, the attachment mechanism, or the portion of the chip assembly, destroys the integrated circuit chip of the transaction instrument.

Abstract: A method comprises predicting a preferred funds transfer method of a payee based on payee data, generating a token based on the predicted preferred funds transfer method where the token is decodable to identify the predicted preferred funds transfer method and the payee, and initiating, in response to an input from the payee, an electronic funds transfer from a payer to the payee.

Abstract: This disclosure describes techniques for performing cross-institution analysis of data, including analysis of transaction data occurring across multiple financial institutions. In one example, this disclosure describes a method that includes receiving a first set of transaction data associated with accounts at the first entity; receiving a second set of transaction data associated with accounts at the second entity; identifying transaction data associated with an account holder having a first account at the first entity and a second account at the second entity, wherein the transaction data associated with the account holder includes information about transactions occurring on the first account and information about transactions occurring on the second account; assessing a likelihood of fraud having occurred on at least one of the first account or the second account; and performing an action.

Abstract: Disclosed are approaches for computationally-efficient data promulgation among devices in a network. Structured databases may comprise standardized and immutable bytes, each byte linked to a unique data field, a mutable state element, and a mutable activation element. The state element may indicate that there has been a mutation as well as a recency of the mutation. The activation element may indicate whether data pushes and/or data pulls are enabled. The state elements are configured to automatically mutate if there is a mutation in a corresponding unique data field. Each device in the network may transmit API calls as state-element requests to other entity devices in a network. The API call includes at least one byte, without any values in corresponding data fields. State elements are promulgated among devices, without sharing the data fields themselves. An optional central system maintains a record of state elements without storing data field values.

Abstract: A method includes conserving, responsive to receiving an indication that at least one selectable object is selected, computing resources; receiving a request to set the verification settings for a computing system, the verification settings comprising a threshold transaction amount; determining an alias account number for the transaction account; receiving a transaction request, the transaction request indicating the alias account number and a transaction involving the transaction account; implementing a verification policy based on the verification settings, comprising: determining a predetermined threshold of a monetary amount; determining a first policy monetary amount; comparing the first policy monetary amount to the predetermined threshold; determining that the first policy monetary amount does not meet the predetermined threshold; implementing a sub-policy; and generating and transmitting an electronic message comprising a selectable hyperlink generated for the transaction request; and responsive to de

Abstract: Systems and methods for predicting and making payments via preferred payment methods include predicting a preferred funds transfer method of a payee, generating a token based on the predicted preferred funds transfer method, providing the token to a payee device, receiving an input from the payee device indicating an agreement with the predicted preferred funds transfer method, and initiating, in response to the input, an electronic funds transfer from a source account of the payer to the payee.

Abstract: A method for managing a communication session includes receiving a request to perform a task. The task is divided into one or more steps. One or more user devices are identified that can be used to perform one or more of the steps. One or more communication channels are identified that are available to the one or more user devices. The communication session is permitted to switch from one or more of the user devices and communication channels to complete the one or more steps of the task while maintaining a continuity of the communication session.

Abstract: A method includes receiving a request to set verification settings for a payment aggregator computing system; determining an alias account number for a transaction account based on account information; transmitting a request to the payment aggregator computing system to store the alias account number instead of the account information; receiving a transaction request from the payment aggregator computing system; implementing a verification policy comprising a first sub-policy and a second sub-policy, based on the verification settings corresponding to the alias account number and a threshold transaction amount, including: determining a predetermined threshold of a monetary amount, determining a first sub-policy monetary amount, comparing the first sub-policy monetary amount to the predetermined threshold, determining that the first sub-policy monetary amount does not meet the predetermined threshold, implementing the second sub-policy, generating and transmitting an electronic message comprising a selectable

Abstract: Systems, methods, and computer-readable storage media of protecting customer information. One method includes detecting a user device associated with a user has navigated to a page of an online store, inserting code comprising a first interactive element associated with a purchase option into the page prior to presenting the page on the user device, and receiving a pending purchase order. The method further includes transmitting a notification to a merchant system associated with the online store to reserve a good or service for a period of time, capturing, via an input circuit of the user device, user input of the user, and assigning a point value to the user input. The method further includes generating a recommendation to cancel, proceed, or modify the pending purchase order based on an evaluation of the point value, and providing, to the user device, the recommendation during the pendency of the period of time.

Abstract: A computer-implemented method includes generating a token associated with a user-level profile, receiving via a computing system a transaction message associated with a transaction where the transaction message includes a first data portion and a second data portion and where the token is part of at least one of the first data portion or the second data portion, obtaining via a network the token from the received transaction message, validating the token responsive to receiving a validation confirmation from a service provider, and transmitting an identity verification to the computing system responsive to validating the token.

Abstract: A method comprising: receiving, from an augmented reality (AR) device, visual data representing a view through a viewing area of the AR device; determining, based on the visual data, a product identifier associated with the visual data; generating recommendation data based on the product identifier, comprising: discovering an item and a timeline associated with purchasing the item; comparing a user defined budget, a price of the item, purchase data associated with a purchase of an object included in the visual data, and an account of the user to determine an affordability value, wherein the affordability value indicates whether the purchase of the object prevents the user from purchasing the item in accordance with the timeline and the budget; and generating the recommendation data based on the affordability value; and sending the recommendation data to the AR device to cause the AR device to display the recommendation data.

Abstract: A system for collecting property status information from a property for a virtual appraisal receives the property status information from a plurality of devices positioned about the property, stores the property status information in a database, and assesses the property status information to create the virtual appraisal for the property.

Abstract: A method of updating a payment card includes receiving a payment card having an existing payment part. The method includes removing the existing payment part from the payment card and installing a new payment part with the payment card for subsequent use of the payment card.

Abstract: A computer system is described that is configured to make automated decisions to perform financial affair management on behalf of a user who is unable or unwilling to manage their financial affairs. The computer system accepts user-defined rules regarding how to manage the financial affairs of the user and, in some cases, when to assume control of the user's financial accounts. The computer system also generates computer-learned rules based on historical financial behavior patterns of the user. In certain scenarios, the computer system assumes control of the user's financial accounts and continues management and decision making responsibilities on the user's behalf based on the user-defined rules and the computer-learned rules. The computer system may assume control temporarily for an unavailable user or assume control indefinitely for an incompetent user. The computer system may alert the user prior to assuming control of the financial accounts.

Abstract: Examples described herein relate to apparatuses and methods of providing real-time notifications on affordability and advisability of purchasing goods or services using augmented reality. The method includes receiving, from AR device associated with a user, visual data representing a view through a viewing area of the AR device. The visual data comprises geolocation data indicating a geolocation of the AR device. The method includes identifying an image of an object included in the visual data. The method includes determining, based on the visual data, a product identifier associated with the object. The method includes determining an attempt by the user to purchase the object. The method includes generating, in response to determining the attempt, recommendation data based on the product identifier and an account associated with the user. The method includes sending the recommendation data to the AR device to cause the AR device to display the recommendation data to the user.

Abstract: A method may include receiving a request to transfer a personal virtual assistant to a computing device, the personal virtual assistant including response preferences of a user; accessing a virtual assistant transfer protocol associated with the user; the virtual assistant transfer protocol including a sensitivity preference; applying the sensitivity preference to data associated with the personal virtual assistant to generate a virtual assistant transfer package; and transmitting the virtual assistant transfer package to the computing device.

Abstract: A computer implemented method performed by an identity verification computing system includes generating a user-level token associated with a user-level profile. The method further includes receiving a card-based transaction message associated with a card-based transaction. The card-based transaction message includes a card information portion and a point-of-sale data portion. The user-level token is inserted into at least one of the card information portion or the point-of-sale data portion. The method further includes obtaining the user-level token from the received card-based transaction message, validating the user-level token responsive to receiving a validation confirmation from a token service provider, and transmitting an identity verification to the entity computing system responsive to validating the user-level token.

Abstract: A method includes verifying the identity of an individual. The method further includes receiving non-financial data from the individual and generating a user-level profile. The user-level profiles include the non-financial data received from the individual. The method further includes generating a user-level token unique to the individual. The user-level token is associated with the generated user-level profile. The method also includes provisioning the user-level token to a device associated with the individual. The method further includes receiving an identity verification request comprising the user-level token, wherein the identity verification request is structured as a financial transaction card-originated message, validating the user-level token, and analyzing a context of the received user-level token to determine a relevant non-financial data element included in the non-financial information within the user-level profile.

Abstract: A method includes detecting an initial vocalization by a user in an environment including a primary device and a secondary device, analyzing the initial vocalization to determine whether a future vocalization is likely to contain sensitive information based on the initial vocalization where the future vocalization is a potential future vocalization, and controlling, based on determining that the future vocalization is likely to contain sensitive information, a speaker of the primary device to output a noise canceling signal configured to prevent the secondary device from detecting the future vocalization.