Abstract: The present application provides monitoring and managing usage of one or more network-connected devices over a network. The network-connected devices may include devices connected to the Internet of Things (IoT). Some aspects provide systems, methods and computing devices for: receiving usage and rate data associated with network-connected device(s); determining device expenditure data based on the usage and rate data; obtaining allocation information pertaining to a time period; updating information associated with one or more data files with the device expenditure data; comparing the updated information to the allocation information; and determining whether an allocation indicated by the allocation information for the time period is feasible.

Abstract: The disclosed embodiments include computerized methods and systems that automatically provision one or more services available to an Internet-of-Things (IoT) devices upon connection to and registration onto communications network. In one aspect, a device may receive, from a computing system, data specifying one or more first services provisioned to the device. The device may identify a subset of the first services that are consistent with a device type of an additional device, and may transmit a portion of the stored first data that specifies the subset of the first services to that additional device. The additional device may process the transmitted portion to provision the subset of the first services to the additional device prior to a successful authentication.

Abstract: The disclosed embodiments include computer-implemented systems and processes that perform operations that initiate, approve, and execute exchanges of data between network-connected systems, apparatuses, and devices in a computing environment. For example, a network-connected apparatus may receive, from a network-connected terminal device, data specifying an exchange of data initiated at the terminal device. The apparatus may, in some instances, identify a data type corresponding to the received data, and based on a block-chain ledger that tracks data exchanges involving the identified data type, determine an availability of the identified data type for use in the data exchange. In response to the determination, the apparatus may transmit a message confirming the availability of the identified data type to the terminal device prior to executing the data exchange in accordance with a data exchange parameter and using the identified data type.

Abstract: The disclosed embodiments include computer-implemented systems and processes that facilitate an initiation and a performance of one or more trustless transactions between counterparty devices operating within a trusted, secure computer-networking environment. For example, an apparatus may receive, through a touchscreen display unit, first data that identifies a session identifier associated with a transaction session, and may determine a validity of the session identifier based on the received first data. The apparatus may establish the transaction session in response to the determined validity of the session identifier. The transaction session may be associated with first and second operations characterized by values of corresponding parameters.

Abstract: A device and method for management of an account. An event placement timeline is displayed. Account events are shown along the timeline. A preferred event time range or “safe zone” is shown along the timeline. The “safe zone” is the portion of the month during which it is safe to schedule certain events, like bill payments, with lower risk of NSF, overdraft or the like. The user moves a movable object into the “safe zone” to reschedule the account event in the “safe zone”, and the settings of the account are modified to automatically execute the account event at that time.

Abstract: A computing device and method for managing an account. A computer displays a historical timeline and an event placement timeline. Past events are shown along the historical timeline, and future events along the event placement timeline. The computer suggest a change to the timing of one of the events. The user moves a movable object to the proposed timing to reschedule the event. The settings of the account are modified to automatically execute that event at the new timing.

Abstract: A method and system are provided for generating an interaction request to initiate a first interaction session using a first interaction channel between a request recipient and a request service provider. The method includes determining an identifier of the interaction request to be generated, determining a task associated with the interaction request, obtaining context data of a plurality of other interaction sessions associated with the identifier, determining a subset of the context data of the plurality of other interaction sessions and generating the interaction request using the subset of the context data. The interaction request may be a modified version of an initial interaction request.

Abstract: The present disclosure involves systems and methods for automatically analyzing available data exchange terms based on an analysis and comparison of available terms, where some of the terms may be unavailable in the current data exchange context based on the user and counter party to the data exchange. One example system includes a memory and a processor. Operations performed by the processor can include receiving a data exchange request associated with a set of information and an identifier. A set of contextual information associated with the received request can be determined. Options associated with the identifier, each associated with a set of terms, can be loaded from a storage device. A subset of viable options can be determined from the options based on the set of information and the contextual information, and a particular option from the subset can be selected for use in executing the received data exchange request.

Abstract: A method and system are provided for displaying content on an electronic display. The method includes receiving data representing a plurality of items, each of the plurality of items being associated with a product or service. The method also includes requesting and receiving financial health data associated with a purchasing entity. The method also includes determining a subset of items from the plurality of items based on affordability relative to the financial health data, and having at least one of the plurality of items displayed on the electronic display. The subset of items may be displayed in a different manner than the other plurality of items displayed, the different manner may include either or both reducing visibility of the subset of items, and excluding the subset of items from being displayed.

Abstract: A method and system are provided for processing an interaction request. The method includes detecting the interaction request for a first interaction session using a first interaction channel between a request initiator and a request service provider, assigning an identifier to the interaction request, determining a task associated with the interaction request, and obtaining context data of a plurality of other interaction sessions associated with the identifier. The plurality of other interaction sessions occur proximal in time with the first interaction session. The context data is related to activity of the request initiator. The method also includes associating a subset of the context data with the interaction request. The subset of the context data is the context data of the plurality of other interaction sessions that are related to the task. The method also includes facilitating the first interaction session using the subset of the context data.

Abstract: Methods and electronic systems for managing data transfer timing in a database are described. An electronic system includes a communication interface, a memory, and a processor coupled with the memory and the communication interface. The processor is configured to receive a signal representing an electronic message from a third party system. The electronic message notifies the electronic system of a first scheduled data transfer to a database managed by the electronic system and including a first transfer time in the future and value change information that affects a value of the database. In response to receipt of the electronic message, the processor evaluates a second scheduled data transfer from the database to a recipient at a second transfer time in the future at which at least a portion of the value is expected to be transferred to the recipient.

Abstract: A method and system are provided for facilitating access to electronic data. The method is executed by a processor of a computing device. The computing device includes the processor coupled to a memory, a communications module, and an input device. The method includes receiving a first input from the input device representing a request from a request initiator to access funds for use in a transaction, requesting and receiving, via the communications module, financial health data associated with the request initiator, and determining a second input for accessing the funds. The second input is received from the input device and has a complexity dependent on the financial health data. The method also includes facilitating access to the funds when the second input is received.

Abstract: A method and system are provided for processing an interaction request. The method includes detecting the interaction request in a first interaction session using a first interaction channel between a request initiator and a request service provider, assigning an identifier to the interaction request, determining a task associated with the interaction request, and obtaining context data of a plurality of other interaction sessions associated with the identifier. The plurality of other interaction sessions occurs proximal in time with the first interaction session. The context data is related to activity of the request initiator. The method also includes associating a subset of the context data with the interaction request. The subset of the context data is the context data of the plurality of other interaction sessions that are related to the task. The method also includes generating an interaction response using the subset of the context data.

Abstract: The disclosed embodiments include computer-implemented systems and processes that perform operations consistent with services provisioned to a device based on real-time sensor data indicative of and characterizing a user's operation of the device and additionally or alternatively, a system or apparatus that includes the device. For example, the device may obtain stored data identifying a provisioned service, and may obtain sensor data captured by an on-board or external sensor during an operation of the device. Based on the sensor data, the device may generate a usage parameter that characterizes the operation of the device during a temporal period, and perform an operation consistent with the provisioned service in accordance with the generated usage parameter.

Abstract: A method and system are provided for processing an interaction response of a request service provider. The method includes detecting the interaction response for a first interaction session using a first interaction channel between a request initiator and the request service provider, assigning an identifier to the interaction response, determining a task associated with the interaction response, and obtaining context data of a plurality of other interaction sessions. The plurality of other interaction sessions occurs proximal in time with the first interaction session. The context data is related to activity of the request initiator. The method also includes associating a subset of the context data with the interaction response. The subset of the context data is the context data of the plurality of other interaction sessions that are related to the task. The method also includes modifying the interaction response using the subset of the context data.

Abstract: The disclosed embodiments include computerized methods and systems that automatically provision one or more services available to an Internet-of-Things (IoT) devices upon connection to and registration onto communications network. In one aspect, a device may receive, from a computing system, data specifying one or more first services provisioned to the device. The device may identify a subset of the first services that are consistent with a device type of an additional device, and may transmit a portion of the stored first data that specifies the subset of the first services to that additional device. The additional device may process the transmitted portion to provision the subset of the first services to the additional device prior to a successful authentication.

Abstract: The disclosed embodiments include computer-implemented systems and processes that perform operations consistent with services provisioned to a device based on real-time sensor data indicative of and characterizing a user's operation of the device and additionally or alternatively, a system or apparatus that includes the device. For example, the device may obtain stored data identifying a provisioned service, and may obtain sensor data captured by an on-board or external sensor during an operation of the device. Based on the sensor data, the device may generate a usage parameter that characterizes the operation of the device during a temporal period, and perform an operation consistent with the provisioned service in accordance with the generated usage parameter.