Abstract: There are provided systems and methods for detecting location data of co-located users having a common interest. A interest may be determined for a first user, which may correspond to a subject matter (e.g., item, action, or other matter) that the first user has recently expressed interest in. A location of the first user may be determined for the user and, using the location, nearby users to the first user may be located. Using the nearby users, a service provider may determine whether any of the nearby users shared the interest in common with the first user. For example, a second user may have knowledge of the interest of the first user. Based on the knowledge that the second user has in the interest, the first user and the second user may be connected. The users may receive communication information and/or locations of the other user.

Abstract: There are provided systems and methods for an augmented reality output based on item acquisition limitations. A user may capture visual data utilizing a device at a location, where the visual data includes one or more items available for acquisition at the location. A device may perform object recognition to identify the items within the images, and determine an item identifier. Using the item identifier, item data may be retrieved, and may be compared to restrictions on item acquisitions set for an account of the user. A visual output of a representation of the item in the visual data may then be configured to enhance or diminish the item's representation. The change in the item's representation may be output as an augmented reality visible to the user as the user views captured data of a scene including the item.

Abstract: A method for managing loyalty groups at point-of-sale (POS) accesses is discussed. The method includes determining that a user account is a member of a loyalty group, responsive to determining that a user device of the user account is used at merchant's POS. The method includes determining a loyalty membership type for the user account that indicates whether user details of the user account are accessible by the merchant. The method includes determining another user account from the loyalty group, the loyalty membership type further indicating whether the user details are accessible by the another user account. The method includes determining whether the loyalty membership type for the user account can be upgraded, and if so, providing communication to the user device to cause a user interface of the user device to display a prompt for providing access to additional user details to upgrade the loyalty membership type.

Abstract: Systems, methods, and non-transitory computer readable media for visualizing user spending data in an altered reality are provided. Spending data includes items purchased, budgets for specific rooms or categories, prices paid, dates of purchase, and amounts spent. The user may interact within the altered reality to manage spending and move budgets between rooms or categories.

Abstract: There are provided systems and methods for targeted authentication queries based on detected user actions. A user may perform various actions during a day, including online, electronic, or digital actions, such as social networking, messaging, and media consumption, as well as real-life actions, such as exercise, travel, and purchases. The actions may be used to determine a user history for the user by a service provider. When the user wishes to login to an account or otherwise authenticate the identity of the user, the user may provide login or authentication credentials. The credentials may be used to look up the user history and cause the service provider to generate an authentication query for the user based on events associated with the user in the user history. The query may be utilized to further authenticate the user by requiring the user to respond with the event associated with the user.

Abstract: A system includes a service provider device and a point of sale (POS) device. A session between a user device and the POS device is established. An authentication request associated with the user device is provided via a user interface of the POS device. Subsequent to an authentication of information, responsive to the authentication request, the POS device receives funding instrument (FI) proxy information corresponding to FIs, which is unusable to identify the FIs by a merchant. A selectable representation corresponding to the FI proxy information is provided via the user interface. Responsive to receiving an indication of a selected member from the selectable representation, information for the selected member is sent. The service provider device determines that the session corresponds to an account associated with the user device and the merchant, and performs a transaction for the session using a first FI that corresponds to the selected member.

Abstract: There are provided systems and methods for image data detection for micro-expression analysis and targeted data services. A user may utilize a communication device, where during use of the communication device, one or more images of the user are captured by the communication device. The image(s) may be analyzed to identify at least one micro-expression of the user during use of the communication device, for example, at a time of performing online purchasing or messaging with other merchants or users. The micro-expression may then be used to determine a user state for the user at the time of use of the communication device, where an action or process may be executed with the communication device in response to the user state. In various embodiments, a service provider may be utilized to determine the user's state based on the micro-expression and execute an action based on the user's state.

Abstract: A computer system associates one or more haptic feedbacks with one or more user activities. The computer system monitors current user activity on a computing device to determine whether the current user activity corresponds to at least one of the one or more user activities. In response to determining that the current user activity corresponds to a first user activity of the one or more user activities, the computer system causes a first haptic feedback of the one or more haptic feedbacks to be provided on the computing device, wherein the first haptic feedback is associated with the first user activity.

Abstract: There are provided systems and methods for vehicle use and performance restrictions based on detected users. A user may check-in to a vehicle so that the vehicle identifies the user, such as through providing identification to the vehicle using biometrics, logins, or other information. Using the identification, the vehicle may determine parameters and restrictions on use of the vehicle by the user. Parameters may include information about the user, such as age, health, or other statistic stored with the identification for the user, and may be utilized to determine restrictions on use of the vehicle by the user, such as a speed of the vehicle and passengers allowed in the vehicle. Restrictions may also be set for the user, including speeds of travel, routes of travel, and usage of media players in the vehicle. The usage of the vehicle may be monitored and enforced using the restrictions.

Abstract: One or more Bluetooth® low energy (BLE) beacons in communication with a remote server that provides check in capabilities and payment capabilities may be installed at a location. The BLE beacons may connect with a user's mobile device when the user enters the location and allow the user to check in to the location and authorize payments to be made at the location. Once the user is checked in to the location, the user may be provided with additional functionality, benefits, offers, and applications related to the location and facilitated by the check in. Further, the user may be pre-checked in into a next location when the user is at a current location.

Abstract: There are provided systems and methods for delivery confirmation using wireless beacons. A merchant may include a wireless beacon, such as a small token or device, inside of a package for delivery. The beacon may communicate with a user device for a user when the package is delivered to the user. The beacon may include recipient information of eligible recipients for the package. The beacon may receive identification information for the user when the user device connects to the beacon. A delivery person in possession of the package may then determine if the user is an eligible recipient for the package using the recipient information and the identification information. After delivery of the package, the user may reuse the beacon by erasing the recipient information from the beacon and storing new recipient information on the beacon. The user may then place the beacon in another package for delivery.

Abstract: Various systems, mediums, and methods may determine one or more configurations associated with a provider application. For example, a mobile system may determine a request to install a provider application, possibly based on one or more user inputs received by the mobile system. The mobile system may determine other applications installed on the mobile system. The mobile system may determine one or more configurations of the provider application based on the other applications installed. As such, the mobile system may install the provider application to the mobile system based on the one or more configurations determined.

Abstract: There are provided systems and methods for shared authentication for limited use of an associated account based on user location and connected devices. A user may own a location where another user may visit or rent. The user may have a payment account that may be used with merchants to purchase items that are associated with the location or offered with use of the location. The user may set up the payment account to have a shared authentication mechanism with other users that utilize the location to allow the other users to pay for items using the payment account. The authentication mechanism may be a credential that may be pushed to a device of one or more of the other users when the other users are at or nearby the location or may be information of the other users that may be matched during transaction processing.

Abstract: A method for managing loyalty groups at point-of-sale (POS) accesses is discussed. The method includes determining that a user account is a member of a loyalty group, responsive to determining that a user device of the user account is used at merchant's POS. The method includes determining a loyalty membership type for the user account that indicates whether user details of the user account are accessible by the merchant. The method includes determining another user account from the loyalty group, the loyalty membership type further indicating whether the user details are accessible by the another user account. The method includes determining whether the loyalty membership type for the user account can be upgraded, and if so, providing communication to the user device to cause a user interface of the user device to display a prompt for providing access to additional user details to upgrade the loyalty membership type.

Abstract: A system and method allows for a virtual object to be privately shared, exchanged, and/or viewed. The virtual object is associated with a real world location and may be viewed through a user device as part of a virtual reality and/or augmented reality world.

Abstract: A computer system detects that a mobile device of a user is in a location that exceeds a threshold distance from a second device of the user. Based on at least the detecting, the computer system switches the mobile device to stealth mode, wherein switching the mobile device to stealth mode includes determining an image that visually matches a surface directly below the mobile device, and displaying the image on at least one display of the mobile device. The computer system determines that the second device of the user is located within the threshold distance of the mobile device. Based on the determining, the computer system initiates one or more actions to alert the user as to the location of the mobile device.

Abstract: Obtaining information may be increasingly more challenging in modern times. The systems described herein enable a user to have access to one or more data streams. For example, the data stream may include messages from a famous person provided to an online social networking service, where the messages may be limited character messages. Yet, in some instances, the data stream may also include images posted on a blog, videos posted on a social networking service for connecting people, a list of searches and/or search strings by a famous person, and a number of purchase orders by an actress. The systems may also control the user's access to the one or more data streams, possibly limiting the access to portions of the one or more data streams.

Abstract: Systems and methods that help ensure that content on a webpage is read and understood by analyzing user activity on a graphical user interface are described. As a user views and interacts with a webpage, activity of the user is monitored. For example, data associated with eye movement, brainwave activity, lip movement, eyebrow movement, and/or forehead wrinkling is collected. This data is then analyzed to determine if the user read and understood the content presented. Should the user fail to read and/or comprehend the content, the user may be alerted and/or prevented from proceeding or accessing additional content.

Abstract: Systems and methods for providing conversation assistance include receiving from at least one user device of a user, conversation information and determining that the conversation information is associated with a conversation involving the user and a first person that is associated with first conversation assistance information in a non-transitory memory. Body measurement data of the user is retrieved from the at least first user device. A need for conversation assistance in the conversation involving the user and the first person is detected using the body measurement data. First conversation assistance information associated with the first person is retrieved from the non-transitory memory. The first conversation assistance information associated with the first person is provided through the at least one user device.

Abstract: The present disclosure is directed to enhancing electronic information security. An electronic device is registered in a registration process. The registration process of the electronic device includes at least one of: obtaining a device identifier that is unique to the electronic device and storing the device identifier as a registered device identifier; or obtaining a location of the electronic device via Global Positioning System (GPS) and storing the location as a registered location of the electronic device. A dummy credit card number is generated. After the registration process and after the dummy credit card number is generated, a request to conduct a transaction electronically is received. The request contains the dummy credit card number. A determination is made as to whether the request was sent from the registered electronic device. The request is processed if the request has been determined to come from the registered electronic device.