Abstract: A system includes a server having a database stored thereon, an operator device, and a coordinating device communicatively coupled with the server and with the operator device, wherein the coordinating device comprises a processor and a memory, and wherein the memory is configured to store instructions thereon that, when executed by the processor, cause the coordinating device to perform various steps. The steps include receiving account data, from the server, corresponding with an account of a plurality of accounts saved to the database, receiving preference data, from the operator device, corresponding with preferences of an operator of the operator device and relating to the account data. The steps also include generating an avatar reflecting the account data in accordance with the preference data, and displaying the avatar on a display.

Abstract: Disclosed herein are embodiments of systems, methods, and products comprises a server, which receives a request from a user's electronic client device. The server determines the authentication level of the request. If the authentication level satisfies a threshold, the server may route the request to a call center computing system; otherwise, the server authenticates the user based on the authentication level. Specifically, the server presents one or more security challenges corresponding to the authentication level and authorizes the user if the user correctly answers the security challenges. The server may receive a second request from the same user who has been authorized for the first authentication level. If the authentication level of the second request is higher, the server may present more security challenges on the second level; if the authentication level is lower, the server directly allows the access of the requested services.

Abstract: Techniques are described for migrating information (e.g., funds) from a first account to a second account. Account information for the first account may be analyzed to identify periodic, regular, and/or semi-regular transactions of a first type (e.g., charge(s)) made from the first account. The account information may also be analyzed to identify periodic, regular, and/or semi-regular transactions of a second type (e.g., payment(s)) made into the first account. The transactions(s) of the first type may be migrated to be paid out of the second account, and the transactions(s) of the second type may be migrated to be paid into the second account. After migration of transaction(s) is completed, the remaining funds may be transferred from the first account into the second account. In some instances during the migration process, funds may be transferred from the first account to the second account to cover charges made against the second account.

Abstract: Techniques are described for training a learning machine. One of these methods includes tracking interactions between a customer and customer service agents. The method includes generating a training set based on the tracked interactions. The method also includes generating a trained learning machine comprising training a learning machine using the training set.

Abstract: A system for authenticating a user may comprise at least one subsystem that contacts a device associated with the user, at least one subsystem that receives a device identification key from the device, at least one subsystem that receives a signal comprising a voice sample from the device, at least one subsystem that compares a voice pattern of the voice sample to that of a previously recorded voice sample of the user, and at least one subsystem that compares the received device identification key to a previously stored device identification key associated with the device associated with the user.

Abstract: A tangible, non-transitory machine-readable medium includes machine-readable instructions that, when executed by one or more processors, cause the one or more processors to access user information, generate a cloud representation having a plurality of word clouds with varying levels of emphasis based at least in part on the user information, and output the cloud representation on a display of a computing device. The plurality of word clouds include one or more word clouds, one or more image clouds, or both.

Abstract: A user authentication system includes an image capture device and a controller communicatively coupled to the image capture device. The controller receives first image data associated with user identification information and generates a first set of biometric data based on the first image data. The controller also receives second image data associated with a first user action in response to the first set of biometric data approximately matching a first set of authenticated biometric data. The controller further generates a second set of biometric data based on the second image data and receives third image data associated with a second user action. The controller also generates a third set of biometric data based on the third image data. The controller further grant access to a user account in response to the second and third sets of biometric data approximately matching second and third sets of authenticated biometric data, respectively.

Abstract: Techniques are described for providing a simultaneous, multi-device user experience for one or more users, on computing devices that include different capabilities for data input and/or data output. A user may register multiple devices with a service, and the service may determine capabilities of the devices for data input and data output. During a communication session involving the user and another user, such as a service representative, the service may receive input data collected through one or more devices and/or provide output data to be presented on one or more devices, where such data input and data output is received and provided according to the various input/output capabilities of the various devices. The data input and/or data output may switch from device to device during a session. In some instances, data may be replicated for presentation through multiple devices simultaneously.

Abstract: Techniques are described for capturing data from a digital document through the use of targeted user feedback regarding the position(s) of particular data field(s) in the document. Implementations enhance the speed and accuracy of data capture from documents and/or images of documents by providing a helpful and intuitive set of controls to enable the end user to indicate the position(s) of field(s) on a document. Through specification of the position of the field in the document, implementations may isolate the portion of the document where data extraction is to be performed to determine the associated value of the field. Any suitable number of field values may be extracted from the document in this manner, based on positions indicated by the user using the provided control(s). In some implementations, one or more actions may be automatically performed based on the extracted data, such as automated bill payment actions.

Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for receiving first information of a first negotiable instrument, at least a portion of the first information including a first unique instrument identifier physically encoded on the first negotiable instrument, the first unique identifier uniquely identifying the first negotiable instrument among a plurality of negotiable instruments, transmitting the first information to a distributed ledger system, the distributed ledger system maintaining a blockchain that records transactions associated with a plurality of negotiable instruments, receiving first validation information from the distributed ledger system, the first validation information indicating that first negotiable instrument has not already been accepted, and accepting the first negotiable in response to the first validation information.

Abstract: Various embodiments generally relate to generating and scheduling transactions in advance. More specifically, various embodiments relate to receiving a request for a transaction from a user device; processing the transaction, where the transaction requires some user interaction at a point of transaction to complete the transaction; identifying a location for completion of the transaction; determining possible points of transaction within a predetermined distance of the identified location; displaying the possible points of transaction; receiving a selection of one of the possible points of transaction; generating a unique identifier for the transaction based on the selected point of transaction; and sending the unique identifier for presentation at the selected point of transaction, where the unique identifier is used to complete the transaction.

Abstract: Various embodiments of the present disclosure generally relate transacting in advance. More specifically, various embodiments relate to detecting a mobile computing device of a user within a proximity of a banking location; receiving, via the mobile application, an indication of a type of transaction to be conducted; and directing, via the mobile application, the user to an area of the banking location based on the type of transaction to complete the transaction.

Abstract: A method for identifying whether a house qualifies for homeowner's insurance is provided. The method includes receiving, by a computer system, from a user device, an indication of the house. The computer system is operated on behalf of an entity that issues homeowner's insurance, The user device is operated by a prospective purchaser of the house, and the indication is sufficient to identify the house. The method also includes retrieving, from a first database, characteristics linked with the house. The characteristics include one or more geohazard characteristics. The method further includes determining, whether the house qualifies for homeowner's insurance by the entity that issues homeowner's insurance using the characteristics linked with the house, storing, data indicating whether the house qualifies for homeowner's insurance, and transmitting to the user device of the prospective purchaser, the indication of whether the house qualifies for homeowner's insurance.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for sanitizing audio recordings. One of the methods includes identifying confidential information in a transcription of an audio file. The method includes altering at least a portion of the audio file to remove the identified confidential information.