Abstract: A user device includes a touchscreen, a camera, and a client application. The client application is structured to provide a first view of a first user through a first camera input of the camera device, a first user image displayed on the display, provide a second view of a second user through a second camera input of the camera device, a second user image displayed on the display, receive a transaction amount, detect a slide of a user input member from the first user image to the second user image displayed on the touchscreen, and in response to detecting the slide of the user input member from the first user image to the second user image on the touchscreen, initiate a transfer of funds from a first user account associated with the first user to a second user account associated with the second user equal to the transaction amount.

Abstract: A method for implementing transactions includes receiving, by a first computing system, a transaction request from a second computing system, the transaction request indicating a first account number that is an alias of a transaction account having a second account number, and specifying a transaction. The method further includes determining the second account number by referencing a data structure that associates the first account number and the second account number, determining a verification policy associated with the second account number, and transmitting a verification challenge based on the verification policy. The method yet further includes receiving a response to the verification challenge, determining to authorize the transaction request based on the response to the verification challenge, and implementing the transaction involving the transaction account specified by the transaction request.

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: An example computing device is programmed to: (a) detect an attempt to secondarily access a user account, the user account being involved in an ongoing primary financial session with a primary device; (b) raise the level of authentication required to secondarily access the user account beyond that which was required to access the account for the primary financial session; (c) when successful authentication at the raised level is achieved, permit secondary access to the user account through a secondary financial session and compare one or more user activities occurring during the secondary financial session to a plurality of fraud profiles; and (d) indicate fraud when comparison of the user activity is consistent with one or more of the plurality of fraud profiles.

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 computer implemented method performed by an identity verification computing system includes generating a user-level token associated with a user-level profile. The user-level profile is associated with a user and is unique to the user. The method includes receiving a request to provide an identity verification of a user via an entity computing system, the request comprising a card-based transaction message associated with a card-based transaction, the card-based transaction message comprising the user-level token. The method further includes accessing the user-level profile associated with the user-level token, obtaining the user-level token from the card-based transaction message, validating the user-level token, and transmitting an identity verification approval to the entity computing system.

Abstract: A provider computing system includes an image database structured to store an image relating to a user, an advertisement template database structured to store a plurality of advertisement templates, a tagging circuit structured to augment the image in the image database with one or more image attribute tags and augment each of the plurality of advertisement templates with a template attribute tag, a customization circuit coupled to the tagging circuit, the customization circuit structured to determine a match between the image and a first advertisement template of the plurality of advertisement templates based on the image attribute tags and the template attribute tags for the first advertisement template and integrate the image into the first advertisement template to generate a customized advertisement, and an advertisement selection circuit structured to cause the customized advertisement to be provided to the user.

Abstract: Systems, methods, and apparatuses are described for an intelligent dashboard that allows interested parties to verify and validate relevant information on enterprises and their representatives. A servicing entity may provide an enterprise with a dashboard that includes select fields corresponding to information predicted to be useful to clients of the enterprise based on commercial characteristics of the enterprise and its client base. Fields may be populated with information previously available to the servicing entity, and with supplemental information acquired (manually or automatically) from the enterprise or from third party data sources. The enterprise may impose restrictions on which information is to be available to which clients, and the servicing entity may generate a code for use by clients to access the dashboard or certain information. The dashboard can allow clients to track the location of a representative and help validate the identify of a representative arriving at a client's location.

Abstract: A property assessment system is provided to assess a property for various purposes. The system includes a property assessment apparatus configured to be inserted into any space of a property and retrieved therefrom once necessary information is collected from the space. The property assessment apparatus operates to monitor various conditions in the space, which is used to assess the property.

Abstract: A computer-implemented method includes receiving, by a mobile wallet computing system, information relating to a usable object from a party and provisioning, by the mobile wallet computing system, the usable object to a mobile wallet associated with a user. The computer-implemented method further includes receiving, by the mobile wallet computing system, one or more rules relating to the usable object from the party, wherein the one or more rules define an activation condition for the usable object such that when the activation condition is fulfilled the usable object is active in the mobile wallet of the user; determining, by the mobile wallet computing system, whether the activation condition is fulfilled; and in response to the activation condition for the usable object being fulfilled, activating, by the mobile wallet computing system, the usable object in the mobile wallet of the user.

Abstract: A computing system includes one or more processors and one or more computer-readable storage media having instructions stored thereon that, when executed by the one or more processors, causes the one or more processors to receive a pending purchase order from a user device in response to a selection of an interactive element presented on a payment page of an online store via the user device, the pending purchase order corresponding to a purchase of a good or service from the online store and including payment information, store the payment information in an escrow database for a window of time, generate a notification corresponding to the pending purchase order, the notification including information corresponding to the good or service and excluding the payment information, and transmit the notification to a merchant system associated with the online store to reserve the good or service during pendency of the window of time.

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 implemented on a first electronic computing device for providing a financial concierge service to an individual includes monitoring a behavior of the individual. First information is obtained regarding a current activity of the individual. Second information is obtained regarding an emotional state of the individual. Third information is obtained regarding a location of the individual. Fourth information is obtained regarding a financial health of the individual. Fifth information is obtained regarding past financial transactions for the individual. The first, second, third, fourth and fifth information is used to determine a trigger point for the financial concierge service for the individual. When a determination is made that the trigger point has been reached, the financial concierge service for the individual is activated on a second electronic computing device.

Abstract: This disclosure describes computer-based techniques for administering a spoken patterned passphrase. A passphrase processing unit running on an administrator computer generates passphrase data for a secure system using acoustic data and video data representing a spoken phrase by a speaker. This passphrase includes a pattern of words or speech segments that are audible and words or speech segments that are inaudible. During authentication, a passphrase administration unit on the administrator computer receives acoustic and visual data of a spoken phrase by a person attempting to access the secure system and evaluates whether the spoken phrase includes the pattern of audible and inaudible words or speech segments associated with the account. In this way, the techniques discussed herein may enable the administrator computer to administer spoken passphrases with an additional degree of protection than a system that is limited to using linguistic or biometric content in passwords or passphrases.

Abstract: A cardholder sleeve and a computing device paired with the cardholder sleeve configured to operate as near-field communication (NFC) proxy devices for one or more integrated circuit (IC) chip cards held in the cardholder sleeve is disclosed. The cardholder sleeve includes at least one pocket to hold an IC chip card and at least one internal card reader adjacent to each pocket, and is configured to wirelessly pair with the computing device via a wireless communication protocol. When the computing device comes in close proximity to an external card reader, the NFC interrogation occurs with the computing device acting as a proxy for the card held in the cardholder sleeve. In this way, the cardholder sleeve and computing device form a repeater network that enables the card to be interrogated remotely on a per-transaction basis.

Abstract: In some examples, a method of manufacturing a densified wood transaction instrument includes boiling a sheet of wood in a chemical solution, compressing the boiled sheet of wood using a die in a press to form one or more features in the sheet of wood, during the compressing of the boiled sheet of wood, heating the boiled sheet of wood to create a sheet of densified wood, and attaching one or more payment elements to at least one of the one or more features formed in the sheet of densified wood to form a sheet of one or more densified wood transaction instruments.

Abstract: Systems and methods for a feeder system for fulfilling lockbox pick-up requests are provided. A feeder system includes a network interface configured to communicate with a computing system associated with a provider of lockbox services and at least one robotic device. Each robotic device includes at least one secure compartment configured to hold one or more items associated with a lockbox pick-up request. The feeder system further includes a processing circuit including a processor and a memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive, by the network interface, instructions for fulfilling the lockbox pick-up request and control the at least one robotic device to fulfill the lockbox pick-up request based on the instructions.

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 cardholder sleeve with selectable wireless communication capabilities is described. The cardholder sleeve includes two or more slots each configured to hold an integrated chip card. Each of the slots is surrounded by shielding material to shield the communication features of the card from skimming and prevent interference with other cards in the sleeve. The cardholder sleeve includes an internal card reader for each of the cards and a selection mechanism that enables a user to select a card in the cardholder sleeve for use. The cardholder sleeve further includes at least one transceiver in communication with the internal card readers that operates as a repeater to wirelessly transmit information read from the chip of the selected card by the respective internal card reader to external card readers such that the selected card need not be removed from the sleeve to be used.

Abstract: Systems and methods of determining real-time available capacity of a merchant are provided. A plurality of financial transactions involving the merchant can be received during a current time period. A current payment velocity of the financial transactions involving the merchant during the current time period can be determined. The current payment velocity can be compared with a baseline payment velocity associated with financial transactions involving the merchant during a corresponding historical time period. An available capacity of the merchant can be determined, based on a difference between the current payment velocity and the baseline payment velocity.