Abstract: A bot automatically compiles transaction information for a consumer from merchants that sell products in various categories and merchants that sell products in only a single category. The bot categorizes the consumer's purchases from the merchants and determines percentages of consumer spending in each category. The bot may obtain a category for purchases from merchants selling a single category of items based on a merchant identifier such as a merchant code. For other merchants, the bot may obtain category information from the merchant or from an analysis of a category code, or a product or service description or identifier. The categories and percentages of the consumer's purchases may be provided by the bot to the consumer or to a third party. The bot may provide special offers and promotions to a consumer based on the compiled category information and percentage spending by the consumer by category.

Abstract: Systems and methods for multi-dimensional voice-based digital authentication are provided.

Abstract: A bot automatically compiles transaction information for a consumer from merchants that sell products in various categories and merchants that sell products in only a single category. The bot categorizes the consumer's purchases from the merchants and determines percentages of consumer spending in each category. The bot may obtain a category for purchases from merchants selling a single category of items based on a merchant identifier such as a merchant code. For other merchants, the bot may obtain category information from the merchant or from an analysis of a category code, or a product or service description or identifier. The categories and percentages of the consumer's purchases may be provided by the bot to the consumer or to a third party. The bot may provide special offers and promotions to a consumer based on the compiled category information and percentage spending by the consumer by category.

Abstract: Aspects of this disclosure relate to a method for transferring funds involved in a financial transaction of a customer by utilizing the mobile device of the customer, including determining device identification data for a mobile device, associating the device identification data to a financial account of a customer, receiving a fund transfer request that includes data identifying the mobile device and an amount of funds to transfer from the financial account of the customer to a financial account of the seller, verifying the fund transfer authorization based on the device identification data, and initiating the fund transfer between the customer's financial account and the financial account of the seller.

Abstract: An alarmed cable lock that sounds an alarm upon an attempt to open the lock or remove the secured item while the alarm is armed. The invention includes a lock, a cable, a power source and an alarm. The lock includes a C-channel closed at one end, a switch, and a blocking pin. The cable is attached at one end to the lock. The free end of the cable terminates in a head that is formed to slide in the C-channel. The switch is exposed in the C-channel. When the lock is armed, the blocking pin extends into the C-channel to prevent the free end of the cable from sliding out of the open C-channel end. If an attempt is made to remove the end of the cable by sliding it out the C-channel, the head passes by the switch and sets off the alarm. The alarm/lock features are operated by remote control.

Abstract: An electronic system of locking and alarming one or more doors such that if an attempt is made to open the door, the alarm sounds. The device is preferably installed on vehicles having multiple built-in equipment compartments. The device is powered by the vehicle battery and includes a novel lock mechanism which requires very little power. The lock mechanism comprises a lock housing, a pin, a pivoting latch gate, a switch and a solenoid. The device is electrically connected to a vehicle's conventional remote-controlled security system and sounds an alarm if an attempt is made to open a compartment door.