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: Systems, methods, and apparatuses for authenticating devices and using an authenticated device to determine an access decision include a computing system including a network interface circuit that facilitates communication via a network and a processing circuit comprising a processor and memory. The processing circuit approves or denies a request to access a secured device. The processing circuit comprises an access management circuit that receives and interprets the access request to identify a user, an authentication database storing authentication data, and a workforce database storing credential data. The access management circuit retrieves the authentication data from the authentication database to determine the user device associated with the access request. The access management circuit retrieves the credential data from the workforce database based on the identification of the user and the authentication data to determine an access decision and approve or deny access to the secured device.

Abstract: Systems, methods, and apparatuses for authenticating devices and using an authenticated device to determine an access decision include a provider computing system including a network interface circuit that facilitates communication via a network and a processing circuit comprising a processor and memory. The processing circuit approves or denies a request to access an external device. The processing circuit comprises an access management circuit that receives and interprets the access request to identify a user, an authentication database storing authentication data, and a workforce database storing credential data. The access management circuit retrieves the authentication data from the authentication database to determine the user device associated with the access request. The access management circuit retrieves the credential data from the workforce database based on the identification of the user and the authentication data to determine an access decision and approve or deny access to the external device.

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 vehicle occupant identity system or device for facilitating a merged vehicle identity comprising one or more passenger identities is described along with a financial institution computing system. The device is integrated in the vehicle or is a separate device positioned in or on the vehicle. The device identifies and authenticates one or more individuals inside the vehicle or in close proximity. In some arrangements, the device adjusts restrictions and permissions related to using the vehicle depending on the identity of the occupants. In some arrangements, the occupant identity device uses an additional source of information to detect the reason for the trip inside the vehicle and adjusts storing of historical information along with adjusting restrictions and permissions. In some arrangements, the device stores financial information associated with the identities of the occupants of the vehicle allowing for payment of goods or services received from a merchant.