Abstract: Systems and methods of generating a reputation score for an entity are provided. A plurality of financial transactions associated with the entity can be processed. Each of the plurality of financial transactions can be associated with a respective one of a plurality of transaction types, based on a result associated with each of the plurality of financial transactions. External reputation information relating to the entity can be received. The reputation score for the entity can be generated based on the transaction types of the plurality of financial transactions and the external reputation information.

Abstract: A system for facilitating benefaction that identifies donation opportunities by monitoring and learning from users' behavior and suggesting donations based on the behavior of potential benefactors and potential beneficiaries. In certain aspects, the system cross-references donation conditions of one system user with donation conditions of one or more other system users to identify donation triggering events corresponding to donation opportunities.

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 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: This disclosure describes computer-based techniques for controlling access to shipping information for packages by providing limited shipping information to a courier to advance the package to a next node along a transit route. An administrator computer generates a set of components for a transit state of and information about the package. The set of components represents constituent “tokenized” portions of a delivery address, such as a sender or recipient name, street number, street name, city, or zip code. The transit states of the package represent various transit functions of the courier, such as pick-up, correct handling, sorting, delivery, return, and exception. The administrator computer generates sets of components that enable the courier to advance the package to a next node, but that exclude shipping information that may not be useful for advancing the package. The administrator computer sends the set of components to the courier based on the current transit state of the package.

Abstract: A computer system is described that automatically allocates credit between two or more users of a shared line of credit. For example, a computer system is configured to monitor information relating to a plurality of credit needs of a plurality of users of a shared line of credit and feed the information into a trained machine learning model to automatically determine whether an amount of credit allocated to each user of the plurality of users is sufficient for the respective user's credit need. Based on output from the model, the computer system may automatically reallocate credit to at least a first one of the users identified as needing additional credit from at least a second one of the users identified as having unused or unneeded credit.

Abstract: Systems and methods for interrupting disclosure of sensitive information are described. Sensitive information data associated with a user is maintained. A primary device detects commencement of a voice input to a secondary device. As the voice input is detected by the primary device, the voice input is analyzed to determine the content of the voice input. The content is compared to the sensitive information data to determine whether the voice input contains sensitive information. When the primary device determines the voice input contains sensitive information, a speaker of the primary device is controlled to generate a noise canceling signal which interrupts receipt of further sensitive information by the secondary device.

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 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: 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 computer implemented method performed by an identity verification computing system includes receiving a request to provide an identity verification of a user via an entity computing system, the request including data associated with a user device associated with the user. A user-level profile associated with the user device is accessed. A user-level token is requested from the user device. The user-level token is associated with the user-level profile. The user-level token is received from the user device, and validated. An identity verification approval is transmitted to the entity computing system.

Abstract: A computing system includes one or more processors and one or more computer-readable storage media communicatively connected to the one or more processors and having instructions stored thereon that, when executed, causes the one or more processors to analyze a plurality of electronic payment transactions from an account associated with a user to identify payments to a merchant on a recurring basis, receive external data associated with the user corresponding to usage of a good or service provided by the merchant, analyze the external data to identify disuse of the good or service, generate a recommended action based on the disuse, present the recommended action on an interactive display on a user device associated with the user, and change a subscription associated with the good or service corresponding to the recommended action.

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: A transaction instrument and a method of making a transaction instrument by continuous liquid interface production. The transaction instrument such as a transaction card may have many features or components made by or using continuous liquid interface production.

Abstract: Systems and methods for interrupting disclosure of sensitive information are described. Sensitive information data associated with a user is maintained. A primary device detects commencement of a voice input to a secondary device. As the voice input is detected by the primary device, the voice input is analyzed to determine the content of the voice input. The content is compared to the sensitive information data to determine whether the voice input contains sensitive information. When the primary device determines the voice input contains sensitive information, a speaker of the primary device is controlled to generate a noise canceling signal which interrupts receipt of further sensitive information by the secondary device.

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 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: 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 facilitating transactions include determining an amount of funds that a payer owes a payee, determining a first payment offer that is for the amount of funds that the payer owes the payee and a first target payment date, providing the first payment offer to the payee, receiving a user input from a payee device, generating a second payment offer of an offered amount of funds and a second target payment date where the offered amount of funds is lower than the amount of funds that the payer owes the payee and the second target payment date is prior to the first target payment date, providing a notification to the payee, receiving a user input from the payee device, and initiating an electronic funds transfer from a source account of the payer to a target account of the payee.

Abstract: A method of making a transaction instrument comprising making a transaction instrument by three-dimensional (3D) printing or additive manufacturing. The transaction instrument such as a transaction card may have many features or components made by or using three-dimensional (3D) printing or additive manufacturing.