Abstract: According to one embodiment, an apparatus stores a user account and a points balance associated with the user account. The apparatus further determines a geographic location of a user associated with the user account. The apparatus then communicates, based at least in part upon the geographic location, an offer for a product. The produce may be associated with a points price and the points balance is at least equal to the points price. The apparatus then receives a signal indicating acceptance of the offer. The signal may be associated with the user account. The apparatus then communicates a second signal indicating that the user can receive the product.

Abstract: According to one embodiment, an apparatus may store a user account and a points balance associated with the user account. The apparatus may determine a geographic location of a user associated with the user account and communicate, based at least in part upon the geographic location, an offer for a product. The offer may be associated with an expiration time. The product may be associated with a points price. The points balance may be at least equal to the points price. The apparatus may receive a signal indicating an acceptance of the offer. The signal may be associated with a timestamp and with the user account. The timestamp may indicate a time that is at least as early as the expiration time. The apparatus may communicate a second signal indicating that the user can receive the product.

Abstract: Systems and methods for transmitting haptic messages are disclosed. For example, one disclosed method includes the steps of: receiving at least one sensor signal from at least one sensor of a mobile device, the at least one sensor signal associated with a movement of the mobile device, determining a message to be displayed in a user interface based at least in part on the at least one sensor signal, and causing the message to be displayed.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for implementing bill control. The invention enables a user of a financial institution account to maintain controls over bills via a single interaction point. In some embodiments, a method comprises determining whether a bill is due within a predetermined period; in response to determining the bill is due within the predetermined period: initiating, via a mobile network, presentation of a duration in which the bill is due; initiating, via the mobile network, presentation of an option to authorize payment of the bill via the mobile network; and in response to receiving selection of the option to pay the bill, authorizing payment of the bill via a financial institution account.

Abstract: Systems and methods for monitoring categorized spending limits and promoting savings are provided herein. The systems and methods, identify transactions associated with a spending category that occur during a period of time based on the transaction data, where the spending category comprises a spend limit; provide a confirmation prompt on a display of a mobile device of a user that is in communication with the system; and deduct a transaction amount for each of the transactions from the spend limit in response to receiving a confirmation from the user.

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for providing a financial document processing system. The system receives an image of a financial document, such as a check, and identifies at least a transaction amount from the financial document. Then the system determines account information associated with the financial document. The system may identify a routing and account number on the financial document or identify the document based on a name on the document. Once the transaction amount and account information are known, the system determines a prospective balance for a financial account based on the account information and the transaction amount. If there are funds at least equal to the transaction amount in the financial account, the system validates the transactions. In some embodiments, the system also immediately updates the balance of the account and/or offers to complete the transaction.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products associated with a visual bill management feature that leverages projected account balances to schedule bill payment dates. In some embodiments, a method comprises determining at least one bill payment to be made using funds associated with the account; initiating, via a mobile network, presentation of a first graphical indicator indicating a bill payment date associated with the at least one bill payment, wherein the at least one bill payment is scheduled to made on the bill payment date; initiating presentation of an account balance graph associated with the account based on the at least one bill payment, wherein the account balance graph indicates the account balance during the predetermined period in the future; and enabling shifting of the first graphical indicator to reschedule the bill payment date.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for electronic processing of paper invoices. The invention allows provides a user with information about a paper invoice through the use of the user's mobile computing device. In some embodiments, a method comprises providing a computer processor executing computer readable code structured to cause the computer processor to (a) receive information associated with an image of the invoice, wherein the image is captured by a mobile computing device of the user; (b) identify the invoice based at least partially upon the information associated with the image of the invoice; (c) determine financial institution information associated with the invoice; and (d) present, via the mobile computing device of the user, an indication of the financial institution information.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products associated with a bill payment feature that enables users to receive rewards for paying bills before their due dates. In some embodiments, a method comprises determining a bill due within a predetermined period in the future; initiating, via a mobile network, notification of the bill, an amount associated with the bill, and a due date associated with the bill; initiating, via the mobile network, a first option to pay the bill prior to the due date; and in response to determining the first option is selected: deducting, from an account, an amount of funds corresponding to the amount associated with the bill; providing a reward to the account; and transmitting, on the due date, the amount of funds to a merchant associated with the bill.

Abstract: Embodiments of the invention are directed to systems, computer-implemented methods, and computer program products for providing, via a mobile device associated with a user, a calendar for displaying one or more financial events including the steps of accessing a storage device associated with the mobile device to thereby retrieve information associated with the calendar and information associated with the one or more financial events, presenting, via a display of the mobile device, the calendar with the one or more financial events provided therein, wherein each of the one or more financial events is selectable by the user, providing, via each of the one or more financial events, one or more selectable features configured to allow the user to take an action relating to the one or more financial events.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products enabling a user of an account to pictorially view available funds over a predetermined period in the future and thereby enable informed bill payment scheduling. In some embodiments, a method comprises determining, for a predetermined period in the future, at least one bill payment to be made using funds associated with the account; initiating, via a mobile network, presentation of a graphical indicator indicating the at least one bill payment; and initiating, via the mobile network, presentation of an account balance graph associated with the account based at least partially on the at least one bill payment, wherein the account balance graph indicates the account balance during the predetermined period in the future.

Abstract: A system applies, in a non-invasive manner, energy to a targeted tissue region employing a controlled source of energy, a multiple use applicator, and a single use, applicator-tissue interface carried by the applicator. The system can generate and apply energy in a controlled fashion to form a predefined pattern of lesions that provide therapeutic benefit, e.g., to moderate or interrupt function of the sweat glands in the underarm (axilla).

Abstract: Embodiments of systems and methods for interpreting physical interactions with a graphical user interface are disclosed. For example, one system for interpreting physical interactions with a graphical user interface is a device having a housing configured to be grasped by a user, a display disposed in the housing, the display configured to display a graphical user interface, and a sensor disposed in the housing, the sensor configured to detect a movement of the housing in a degree of freedom. The device also includes a processor disposed in the housing and in communication with the display and the sensor, the processor configured to receive a sensor signal from the sensor, the sensor signal comprising a parameter associated with the movement, to determine a command associated with the graphical user interface based on the parameter, to determine a function to be executed based on the command, and to execute the function.

Abstract: A cleaning implement is provided for cleaning surfaces with a cleaning substrate. The cleaning implement includes a handle connected via a universal joint to a mop head. The mop head includes a bumper pad, which is made of a deformable and nonabsorbent material. The bumper pad can be deformed in the Z direction and within the X-Y plane. The cleaning implement can also include a motor for causing a portion of the mop head to move relative to the handle.

Abstract: A cleaning implement is provided for cleaning surfaces with a cleaning substrate. The cleaning implement includes a handle connected via a universal joint to a mop head. The mop head includes a bumper pad, which is made of a deformable and nonabsorbent material. The bumper pad can be deformed in the Z direction and within the X-Y plane. The cleaning implement can also include a motor for causing a portion of the mop head to move relative to the handle.

Abstract: A system and method for capturing and managing live images in a digital format on an electronic device in a manner that is easy, intuitive and useful is provided. The system and method includes an image management engine and graphical user interface that allows a user to manage, manipulate, edit and store the images in the electronic device. Additionally, the invention provides a method of transmitting images thus captured and stored to a remote device.