Abstract: Various systems, mediums, and methods herein describe aspects of an authentication system. The system may receive a request from a user device to authenticate a user. The system may determine a route traveled by the user. The route can be determined based at least on data retrieved from the user device of the user. The system may determine one or more objects viewable along the route. At least one image of the one or more objects can be selected. The system may communicate the at least one image and at least one other image to the user device to be displayed on the user device. The system may receive a selection of the at least one image by the user through a display of the user device. The authentication of the user can be based, at least in part, on the user selection of the at least one image.

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: 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: 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 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: Methods and systems for improving a shopping experience are described. When a shopper walks into a store, the shopper's mobile device transmits a signal with the shopper's shopping preferences and shopper profile. Any items that are within a certain distance of the mobile device and satisfy at least one of the shopper's preferences may light up to indicate that the item matches something the shopper is looking for. In addition, the price of the item based on the shopper profile for that shopper is displayed.

Abstract: A system, a medium, and a method are provided to send compensation data to devices at one or more locations where the data is retrievable. For example, a communication interface of a server device accesses request data, where the request data includes an indication of one or more locations where a compensation amount is retrievable. A compensation data component generates compensation data based on the indication of the one or more locations where the compensation amount is retrievable. A location component determines a location of a client device that corresponds to the one or more locations. A transceiver transmits the compensation data to the client device based on the determined location of the client device that corresponds to the one or more locations.

Abstract: There are provided systems and methods for wireless beacon devices for use in managing transportation service terminals. A user may travel with a device, such as a communication device, that includes a communication module that may utilize specialized hardware features to establish short range wireless communications with nearby wireless beacons. The wireless beacons may be established at or nearby transportation service terminals, such as bus/train stops. The beacon may provide the aforementioned communication services with the communication device and be utilized to determine whether the user will utilize a transportation service for the terminal. If the user wishes to utilize the transportation service, a transportation service may be alerted. The user may also be alerted of an expected time of arrival for the transportation service, other transportation services available at the transportation terminal, and/or of nearby transportation terminals.

Abstract: There are provided systems and methods for security authentication using payment card display devices at accepted merchant location. A user may be walking near or visiting a merchant location with a wireless smart payment card which may connect to a wireless beacon at the merchant location. The user's payment card may communicate issuer and type of payment card data when connected with the wireless beacon. The beacon may communicate the user's payment card data to a merchant device or server. The merchant device or server may compare user's payment card data to merchant's accepted payment sources. The merchant device or server may alert user's payment card via communication through the wireless beacon, the payment card is accepted at the merchant location. Additionally, security identification and/or advertisements may be communicated to the user's accepted payment card.

Abstract: Systems and methods for device and payment management include detecting, through a first network, that a user device that is associated with a user is located at a trusted location. A first anticipated activity that is associated with the user is determined. The first anticipated activity identifies a first activity location that is different from the trusted location. A first device management configuration that is associated with the first anticipated activity. A first user device action to be performed on the on the user device at the trusted location is determined using the device management configuration. A first notification that causes the first user device action to be performed on the user device while the user device remains at the trusted location is sent to the user device through the first network.

Abstract: Various systems, mediums, and methods may be implemented to retrieve data from a user's mobile device. In one example, a system may determine a number of reviews received by the user's mobile device. Some of the reviews may include poor reviews, such as low ratings (e.g., one or two star ratings), negative written reviews, and/or other forms of data indicative of various establishments and/or services. In such instances, the system may generate notifications and transmit the notifications to merchant devices, such that the merchants may be alerted of the user having a history of providing poor reviews. As such, the system and/or the merchants may be notified accordingly to ensure the user will be satisfied with the services provided and to avoid a negative review from the user.

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 predictive analysis of computing patterns for preloaded data to reduce processing downtime. A user may utilize a computing device to interact with a service provider over a network connection, for example, to utilize one or more services or processes of the service provider. Based on the user's actions and/or historical data for the user, the service provider may determine potentially required data and/or processes of the user. The service provider may preload the data or processes, for example, by storing data to the communication device's cache or by executing some of the processes. The service provider may preload data to the communication device while the communication device has available bandwidth or network connectivity so that the data is available in an offline environment. Processes may be executed before requirement by the user during times of low processing load.

Abstract: An image capturing device/system is provided with attention directing functions for directing attentions of imaging targets. In particular, the image capturing device may include a presentation device, such as a visual or an audio presentation device. The presentation device may be provided on a side of the image capturing device facing the imaging targets when the image capturing device captures the images of the imaging targets. The presentation device may be configured to display or output a presentation before and/or during an image capturing process to direct the attentions of the imaging targets toward the image capturing device.

Abstract: Various systems, mediums, and methods herein describe mechanisms that enable a user to send a request from her smartphone to multiple retriever devices, such that an item may be retrieved for the user. At least one of the users of the retriever devices may accept the request to retrieve the item for the requesting user. The retrieving device may send an acceptance message to the requester's smartphone to confirm that the item may be retrieved for the requesting user. In such instances, a retrieval fee may be transferred to the retrieving user's account accessible with the retriever device that accepted the request.

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: There are provided systems and methods for utilizing a vehicle to determine an identity of a user. A user may establish a vehicle as associated with the user, such as a vehicle owned by the user or used by the user. The vehicle may include a vehicle device that may be configured to establish connections with other devices using short range and network communications. In various embodiments, the other devices may be devices at merchant locations. Thus, a merchant at the merchant location may be informed about settings, preferences, and/or parameters for use of the vehicle established by the user. The merchant may receive these parameters even if another user is utilizing the vehicle, thus, establishing rules for use of the vehicle by the other user. In other embodiments, the other devices may be devices in other vehicles, allowing the users to communicate and set waypoints during trips.

Abstract: Various systems, mediums, and methods herein describe mechanisms that enable client devices to have access to data based on various address configurations. A smart phone system may be configured to receive a request. The smart phone system may also be configured to determine an address based at least on the request received, where the address provides access to data on a website. The smart phone system may also determine the address based on a receipt of the address generated by a server system. The smart phone system may also determine a timestamp associated with a transfer of the address at a geolocation. The smart phone system may also determine one or more time periods from the timestamp associated with the transfer of the address at the geolocation. The address may provide access to the data on the website during the one or more time periods.

Abstract: There are provided systems and methods for social networking connections through short range wireless devices. A user may become associated with a new location based on one or more connections made by the user's communication device and a device at the location, such as a communication device of another user at the location or a wireless beacon established at the location. The user may previous have been associated with another location, such as a previous workplace, apartment building, or other commonplace for users. Once the user is associated with the new location, other nearby users associated with that location may be determined. The nearby users may be detected using similar devices at the location or may provide information that associates them with the location. Using social networking connections between the user and nearby users, the users may receive contact recommendations proposing new social networking connections between the users.

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.