Abstract: Systems and methods for identifying and providing unfulfilled services to a user of a provider institution mobile application are provided. A method includes: identifying an unfulfilled service of the user of the provider institution mobile application based on an indication that the user has a pending service that requires further action on behalf of the user; scanning a digital calendar of a mobile device of the user hosting the provider institution mobile application based on receiving a user input to access the digital calendar; determining an availability of the user based on scanning the digital calendar; identifying a current location of the user during the determined availability; determining a plurality of service locations near the identified current location of the user during the determined availability; and prompting the user to visit an identified service location from the plurality of service locations.

Abstract: Systems and methods for anonymizing user data are described herein. A system for anonymizing user data includes a user device. The user device includes a network interface coupled to a processing circuit structured to display a mobile application graphical user interface depicting a field for a log-in credential. The processing circuit is further structured to receive a log-in credential of a user and cross-reference the received log-in credential to authenticate the user. The processing circuit is further configured to generate a unique value void of personally identifiable information regarding the user, determine a current location of the user, and associate the unique value with the current location to create a data packet. The processing circuit further configured to transmit the data packet to the provider computing system to quantify a number of users in a predefined area.

Abstract: Systems, methods, and computer-readable storage media for automated teller machine (ATM) recycling and merchant operations. One method includes receiving, via a communication session from a user device, a merchant voucher distributed by a merchant, and initiating an ATM session. The method further includes determining a value of the merchant voucher, and presenting, via a display interface of the ATM, a request for the determined value. The method further includes receiving a deposit regarding the determined value of the merchant voucher, and converting the merchant voucher to at least one of a token or a code, the at least one of the token or the code being embedded with an indicator regarding the determined value, information regarding the merchant voucher, and a unique identifier. The method further includes transmitting, to the user device, the at least one of the token or the code, and updating a ledger of the merchant.

Abstract: A method of managing a digital queue includes accessing an application; transmitting a request based on a mobile device scanning a code or receiving a selection of a uniform resource locator (URL); transmitting information regarding a user of the mobile device and a reason for the request; receiving a real-time status of the digital queue including a number of clients in the digital queue before the user, the number of clients based on received indications of scanning the code or selecting the URL by each of the number of clients; displaying a graphical user interface (GUI) to depict a confirmation page indicating that the user has been added to the digital queue; automatically updating the GUI based on the real-time status of the digital queue; and transmitting, in response to determining the mobile device is within a geolocation area, a notification indicating the user has arrived.

Abstract: A method, apparatus, and system of managing digital queues for a location is disclosed. A method includes receiving a request from a mobile device based on the mobile device navigating to a uniform resource locator (URL) from scanning a code associated with the branch location; receiving, from the mobile device and via one or more selectable fields of a graphical user interface (GUI) depicted on the mobile device, information including identity information regarding a user and a reason for the request; identifying a queue specific to the branch location; and updating the GUI displayed on the mobile device to depict a confirmation page presenting a confirmation notification indicating that the user has been added to the digital queue. The confirmation page may include a dynamic area configured to update automatically, and the method further includes updating a computer at the branch location indicating the user has arrived.

Abstract: Systems and methods for identifying and providing unfulfilled services to a user of a provider institution mobile application are provided. A method includes: identifying an unfulfilled service of the user of the provider institution mobile application based on an indication that the user has a pending service that requires further action on behalf of the user; scanning a digital calendar of a mobile device of the user hosting the provider institution mobile application based on receiving a user input to access the digital calendar; determining an availability of the user based on scanning the digital calendar; identifying a current location of the user during the determined availability; determining a plurality of service locations near the identified current location of the user during the determined availability; and prompting the user to visit an identified service location from the plurality of service locations.

Abstract: Systems and methods for identifying and providing unfulfilled services to a user of a provider institution mobile application are provided. A method includes: identifying an unfulfilled service of the user of the provider institution mobile application based on an indication that the user has a pending service that requires further action on behalf of the user; scanning a digital calendar of a mobile device of the user hosting the provider institution mobile application based on receiving a user input to access the digital calendar; determining an availability of the user based on scanning the digital calendar; identifying a current location of the user during the determined availability; determining a plurality of service locations near the identified current location of the user during the determined availability; and prompting the user to visit an identified service location from the plurality of service locations.

Abstract: A method includes: receiving an authorization request for a transaction including information identifying an account of a user; identifying an identity of the user; determining a computing device associated with the identified user; determining a distance between a location of the transaction and a location of the determined computing device; determining that additional authentication is required based on the determined distance relative to an authentication distance such that in response to the determined distance being greater than an authorization distance but less than or equal to the authentication distance, the required additional authentication includes a first set of authentication information, and in response to the determined distance being greater than the authentication distance, the required additional authentication includes a second set of authentication information different from the first set of authentication information; and authorizing the transaction based on the additional information ma

Abstract: Systems, methods, and apparatuses for authorizing a transaction using location based transaction authentication. The method includes receiving a transaction authorization request for a transaction; determining a location of the transaction; identifying an identity of a user associated with the transaction authorization request; determining a computing device associated with the identified user; determining a location of the determined computing device associated with the identified user; determining a distance between the location of the transaction and the location of the determined computing device; determining that additional authentication is required of the identified user based on the determined distance; prompting, the user for additional authentication information; receiving a response including additional information; and, authorizing the transaction based on the additional information matching stored additional authentication information.

Abstract: A method, apparatus, and system of managing digital queues for a location is disclosed. A method includes receiving a request from a mobile device based on the mobile device navigating to a uniform resource locator (URL) from scanning a code associated with the branch location; receiving, from the mobile device and via one or more selectable fields of a graphical user interface (GUI) depicted on the mobile device, information including identity information regarding a user and a reason for the request; identifying a queue specific to the branch location; and updating the GUI displayed on the mobile device to depict a confirmation page presenting a confirmation notification indicating that the user has been added to the digital queue. The confirmation page may include a dynamic area configured to update automatically, and the method further includes updating a computer at the branch location indicating the user has arrived.

Abstract: A method, apparatus, and system of managing digital queues for multiple store locations are disclosed. A method includes receiving, by an enterprise computing system associated with the branch location, a request from a mobile device based on the mobile device navigating to a uniform resource locator (URL) from scanning a code associated with the branch location, in response to the request, causing a graphical user interface (GUI) to display on the mobile device that prompts a user for additional information regarding the request, receiving, from the mobile device via the GUI, the additional information including identity information regarding the user and a reason for the request, identifying a queue specific to the branch location based on the request and additional information, adding the user to the queue, and providing, by the enterprise computing system, a confirmation notification to the user indicating that the user has been added to the queue.

Abstract: A method may include receiving, by a sensor in a modular banking environment an identification a computing device associated with a user, the environment including a set of physical components associated with banking functionality; detecting a user physically entering the environment based on the receiving; receiving an input associated with a transaction request from the user via a virtual reality device in the modular banking environment; transmitting a command to the set of physical components based on the transaction request; configuring the set of physical components according to the command to facilitate the transaction; determining, based on the transaction request that a second user is needed to complete the transaction request; transmitting a connection request to a computing device of the second user to connect the second user with the first user; and based on the connection request being accepted, displaying a representation of the second user within the environment.

Abstract: Various examples are directed to computer-implemented systems and methods for providing a pseudonymous browsing mode. A method includes receiving, by a processor of a computer, input from a user requesting a level of anonymity for a session on an application or website, where the level of anonymity is between open browsing and completely incognito browsing. The processor programs an avatar configured to provide the level of anonymity to an identity of the user and data generated by the user based on the received input. The processor uses the avatar to control an amount of data shared by the user with the application or website to provide the level of anonymity to an identity of the user and data generated by the user.

Abstract: A method implemented on a first electronic computing device for providing a financial concierge service to an individual includes monitoring a behavior of the individual. First information is obtained regarding a current activity of the individual. Second information is obtained regarding an emotional state of the individual. Third information is obtained regarding a location of the individual. Fourth information is obtained regarding a financial health of the individual. Fifth information is obtained regarding past financial transactions for the individual. The first, second, third, fourth and fifth information is used to determine a trigger point for the financial concierge service for the individual. When a determination is made that the trigger point has been reached, the financial concierge service for the individual is activated on a second electronic computing device.

Abstract: A system for facilitating benefaction that identifies donation opportunities by monitoring and learning from users' behavior and suggesting donations based on the behavior of potential benefactors and potential beneficiaries. In certain aspects, the system cross-references donation conditions of one system user with donation conditions of one or more other system users to identify donation triggering events corresponding to donation opportunities.

Abstract: Described herein are systems, methods, and software to enhance secure communications between computing systems. In one implementation, a private domain name system (DNS) receives a DNS lookup request from a computing system of a plurality of computing systems associated with a private communication group, and forwards the DNS lookup request to a public DNS. The private DNS further receives a public address associated with the DNS lookup request from the public DNS, translates the public address to a private address, and transfers the private address to the requesting computing system.

Abstract: Described herein are systems, methods, and software to enhance secure communications between computing systems. In one implementation, a communication service identifies a communication request from an application on the computing system to transfer data to a second application on a second computing system. In response to the communication request, the communication service identifies a communication group of a plurality of communication groups associated with the application and the second application. Once the communication group is identified, the communication service identifies a communication quality of service based on the identified communication group, and transfers the data associated with the communication request to the second computing system in accordance with the communication quality of service.

Abstract: To obviate the possibility of a data packet requesting for a communication between a source computer and a destination computer being blocked either by a source firewall or a destination firewall or both, the source computer is configured to transmit the data packet to an intermediary sever, bypassing the source firewall and the destination firewall. The intermediary server is configured to analyze the data packet transmitted from the source computer and is further configured to acknowledge the need to establish a communication between the source computer and the destination computer. The intermediary server subsequently generates a notification notifying the destination computer to establish a communication with the source computer. The intermediary server transmits a notification to the destination computer and triggers the destination computer to respond to the notification and establish a communication session with the source computer.

Abstract: The present disclosure envisages establishing a virtual overlay network between the source computer and the destination computer (in addition to a typical, unsecured, public computer network already connecting the source computer and the destination computer), and designating the source computer and destination computer to be identified on the virtual overlay network only by the corresponding source private IP address and destination private IP address. The present disclosure envisages an intermediary server for creating and subsequently managing the virtual overlay network. The intermediary server renders the virtual overlay network accessible only to the source computer and the destination computer to communicate with one another and to exchange data packets using the source private IP address and destination private address and the corresponding private ports, while ensuring that the virtual overlay network remains inaccessible to any other computer on the underlying public computer network.

Abstract: Described herein are systems, methods, and software to enhance secure communications between computing systems. In one implementation, a communication service identifies a communication request for a first application on a first computing system to transfer data to a second application on a second computing system. In response to the request, the communication service generates a packet, wherein the packet includes an encrypted portion for the data and private addressing associated with the first and second applications, and an unencrypted portion for group identifier information and public addressing information. Once the packet is generated, the packet is transferred to the second computing system.