Abstract: Visual features of a vehicle, a vehicle's orientation with respect to a transaction terminal, and an individual associated with the vehicle are derived from video captured of the terminal and a surrounding area of the terminal. Additional information associated with brute force attacks in a location associated with the terminal are obtained as additional features. The visual features and the additional features are provided as input to a trained Machine-Learning Model (MLM) and the MLM provides as output a confidence value representing a prediction as to whether the current vehicle and the current individual are potentially about to engage in a brute force attack on the terminal. When the confidence value exceeds a threshold value, enhanced feature detection is enabled on the video, external systems are notified, and an incident packet of information is assembled.

Abstract: Payment card slot tampering at a transaction terminal is detected in real time. One or more images from one or more cameras are analyzed. The camera(s) is/are focused overhead of the terminal on an area adjacent to and in front of a card slot for a card reader of the terminal. The images are analyzed for determining whether hands of arms for an operator of the terminal are performing actions that indicate the operator may be attempting to install a card skimmer/shimmer into the card slot and/or attempting to remove an existing skimmer/shimmer from the card slot. When card slot tampering event is detected at the terminal a variety of automated actions are processed, such as shutting down the card reader, shutting down the terminal, confiscating any payment card inserted into the card slot, notifying a financial institution, and/or notifying legal authorities.

Abstract: A consumer is identified engaged in an activity at a specific physical location. A context is formulated for the consumer based on the activity, the location, preferences associated with the consumer, and a history associated with the consumer. A natural language voice-based assistance session is initiated with the consumer. The session follows the consumer as the consumer travels and remains engaged in the activity. In an embodiment, the session is seamlessly maintained and is seamlessly transferred from a plurality of different devices as the consumer is engaged in the activity and travels. In an embodiment, the session is initiated without the consumer requesting the session.

Abstract: An identity of a customer within an establishment is authenticated using a variety of captured biometric features obtained from sensors and/or video. Video capturing movements/interactions of the customer is analyzed in real time to identify the customer's behavior and actions. Any staff of the establishment who interact with the customer are identified from the video. Transaction data and other data retained for the customer by the establishment are aggregated and linked with the video and the customer identity. The linked data is analyzed in combination with the customer behavior and actions to determine responses within the establishment to customer-initiated transactions. In an embodiment, the customer is authorized to perform at least one transaction within the establishment based on the authenticated identity and linked data without a presentation by the customer of an identification card, a Personal Identification Number (PIN), a password and/or verification by a staff member.

Abstract: A user makes a request from a requesting device for access to a secure operation associated with a network-based service. A first biometric authentication is processed for the request and at least one second scope-based authentication is processed for the request based on an analysis of a physical environment for the requesting device. A determination is made based on at least the first biometric authentication and the scope-based authentication whether the secure operation can be: processed on behalf of the user by the network-based service, not processed at all, or processed only if requested from a specific medium/channel associated with a specific device, which may or may not be the requesting device.

Abstract: A consumer is identified at a transaction terminal. A natural-language voice chatbot is initiated for the transaction. The chatbot is configured with store information for a store associated with the terminal and, optionally, with preferences registered to the consumer. A natural language voice dialogue using, at least the store information, is initiated between the chatbot and the consumer while the consumer is at the terminal and during the transaction. The consumer may order store items from the store and pay for the items through the dialogue. In an embodiment, the items ordered are delivered to the terminal where the consumer is located.

Abstract: A cross-entity and cross-retailer platform is provided that captures transaction data (and/or browser history data associated with online browser-based transactions), indexes, and stores the data in a cloud-accessible data store. A cloud service is provided that custom processes retailer and entity-defined workflows based on purchase transactions using the data store. The service discovers and updates trends and patterns associated with item sales for a given retailer or for a given entity across channels associated with in-store and online item sales. The trends and patterns are dynamically reported to the corresponding entity or the corresponding retailer. The entities may comprise manufacturers of an item, a supplier of the item, a distributor of the item, and a Consumer Packaging Goods (CPG) company of the item.

Abstract: Payment card slot tampering at a transaction terminal is detected in real time. One or more images from one or more cameras are analyzed. The camera(s) is/are focused overhead of the terminal on an area adjacent to and in front of a card slot for a card reader of the terminal. The images are analyzed for determining whether hands of arms for an operator of the terminal are performing actions that indicate the operator may be attempting to install a card skimmer/shimmer into the card slot and/or attempting to remove an existing skimmer/shimmer from the card slot. When card slot tampering event is detected at the terminal a variety of automated actions are processed, such as shutting down the card reader, shutting down the terminal, confiscating any payment card inserted into the card slot, notifying a financial institution, and/or notifying legal authorities.

Abstract: Visual features of a vehicle, a vehicle's orientation with respect to a transaction terminal, and an individual associated with the vehicle are derived from video captured of the terminal and a surrounding area of the terminal. Additional information associated with brute force attacks in a location associated with the terminal are obtained as additional features. The visual features and the additional features are provided as input to a trained Machine-Learning Model (MLM) and the MLM provides as output a confidence value representing a prediction as to whether the current vehicle and the current individual are potentially about to engage in a brute force attack on the terminal. When the confidence value exceeds a threshold value, enhanced feature detection is enabled on the video, external systems are notified, and an incident packet of information is assembled.

Abstract: A cross-entity and cross-retailer platform is provided that captures transaction data, indexes, and stores the data in a cloud-accessible data store. A service is provided that custom processes retailer and entity-defined workflows based on purchase transactions using the data store. The service also generates and maintains correlations between items, the transactions, geographical locations, retailers, and stores of the retailers. The correlations are provided as timely retail recommendations to the retailers and entities for suggested changes that are likely to optimize purchase transactions. The entities may comprise manufacturers of an item, a supplier of the item, a distributor of the item, and a Consumer Packaging Goods (CPG) company of the item.

Abstract: An item return transaction for an item is identified at a transaction terminal. The item is authenticated using multiple factors at least some of which are independent of item code identification for the item. A fraud score is calculated based on the multiple factors, item code identification, and data that is specific to a customer associated with the transaction, specific to the item, specific to a store associated with the transaction terminal, and specific to a retailer associated with the store. The fraud score and a customer-return grade for the customer are processed to determine whether the transaction can complete at the terminal without assistance or whether the transaction is to be held in abeyance for an audit (onsite audit or remote network-based audit). In an embodiment, the t terminal is a Self-Service Terminal (SST) and the transaction is a self-item return transaction conducted by a customer at the terminal.

Abstract: Individuals, business transactions, and business activities are monitored for actions and behaviors of the individuals during performance of establishment processes through video feeds captured by cameras, sensor data captured by sensors, and information captured by transaction systems. Transaction/activity information associated with transactions/activities being processed by a transaction system of the establishment or performed by individuals within the establishment are monitored. The actions, behaviors, transaction information, activity information, and establishment processes are correlated to process controls, policies, and procedures of the establishment and logged. Non-compliant actions, behaviors, transaction information, activity information, and/or transaction/activity thresholds generate real-time remedial actions, such as audits, training, and notifications.

Abstract: Zones a defined within an enterprise. Video captured from the zones are monitored for threats (financial or physical). Any transaction data associated with transactions are monitored with the video along with sensor data captured from sensors within the zones. Threat policies are evaluated to identify actions and behaviors of individuals within the zones and threat scores are maintained. When a current threat score associated with a specific type of threat for a given individual or set of individuals exceeds a threshold, one or more automated remediation or threat avoidance actions are processed to mitigate and/or prevent the perceived threat.

Abstract: Payment card slot tampering at a transaction terminal is detected in real time. One or more images from one or more cameras are analyzed. The camera(s) is/are focused overhead of the terminal on an area adjacent to and in front of a card slot for a card reader of the terminal. The images are analyzed for determining whether hands of arms for an operator of the terminal are performing actions that indicate the operator may be attempting to install a card skimmer/shimmer into the card slot and/or attempting to remove an existing skimmer/shimmer from the card slot. When card slot tampering event is detected at the terminal a variety of automated actions are processed, such as shutting down the card reader, shutting down the terminal, confiscating any payment card inserted into the card slot, notifying a financial institution, and/or notifying legal authorities.

Abstract: Visual features of a vehicle, a vehicle's orientation with respect to a transaction terminal, and an individual associated with the vehicle are derived from video captured of the terminal and a surrounding area of the terminal. Additional information associated with brute force attacks in a location associated with the terminal are obtained as additional features. The visual features and the additional features are provided as input to a trained Machine-Learning Model (MLM) and the MLM provides as output a confidence value representing a prediction as to whether the current vehicle and the current individual are potentially about to engage in a brute force attack on the terminal. When the confidence value exceeds a threshold value, enhanced feature detection is enabled on the video, external systems are notified, and an incident packet of information is assembled.

Abstract: Cash trapping at an Automated Teller Machine (ATM) is detected in real time. One or more images from one or more cameras are analyzed. The camera(s) is/are focused overhead of the ATM or on a cash slot of a dispense module for the ATM. The images are analyzed for determining one or more of whether the dispenser module is authentic, whether the cash slot opened or did not open when it should have opened for a cash withdraw, whether visual features of the dispense module have changed over a configurable period of time, and whether hands, gestures, and actions of a person present at the ATM indicate that cash trapping is taking place at the ATM. When cash trapping is detected at the ATM a variety of automated actions are processed, such as shutting down the dispense module, shutting down the ATM, notifying a financial institution, and/or notifying legal authorities.

Abstract: A platform for charitable integration processing is provided. A donor provides a source of valuable funds to fund a recipient digital wallet associated with a donation. The wallet is associated with a generated code and the code provided to the donor. The donor provides the code to a desired recipient and the recipient can redeem the donation via the code during online checkouts, during in-store checkouts, or during cash withdrawals from Automated Teller Machines (ATMs). In an embodiment the donor provides the code on print media to the recipient. In an embodiment, the donor provides the code as an image scanned by a device of the recipient off a display of a donor’s device.

Abstract: Cash trapping at an Automated Teller Machine (ATM) is detected in real time. One or more images from one or more cameras are analyzed. The camera(s) is/are focused overhead of the ATM or on a cash slot of a dispense module for the ATM. The images are analyzed for determining one or more of whether the dispenser module is authentic, whether the cash slot opened or did not open when it should have opened for a cash withdraw, whether visual features of the dispense module have changed over a configurable period of time, and whether hands, gestures, and actions of a person present at the ATM indicate that cash trapping is taking place at the ATM. When cash trapping is detected at the ATM a variety of automated actions are processed, such as shutting down the dispense module, shutting down the ATM, notifying a financial institution, and/or notifying legal authorities.

Abstract: Multiple cameras capture videos within a secure room. When individuals are detected as entering the room, identities of the individuals are resolved. When an asset is exposed in a field of view of one of the cameras, the individuals' eye and head movements are tracked from the videos with respect to one another and the asset. Additionally, touches made by any of the individuals on the asset are tracked from the videos. The eye and head movements are correlated with the touches or lack of touches according to a security policy for the asset. Any violations of the security policy are written to a secure audit log for the room and the asset.

Abstract: Image analysis is performed on a user at a transaction terminal. Based on behaviors, expressions, and activities of the user, fraud or potential fraud is flagged. When fraud is flagged, the transaction terminal stops processing an active transaction on behalf of the user and alerts are sent. When potential fraud is flagged, images/video associated with the active transaction are sent for review and the active transaction may be suspended or permitted to proceed at the transaction terminal. In an embodiment, a same user conducting multiple transactions with different accounts at a same transaction terminal or multiple different transaction terminals within a configured period of time is automatically identified as fraud based on a fraud rule.