Abstract: Systems, methods and computer readable media are disclosed for providing targeted offers to a user who has a pre-existing account with the offeror based on information of the account and the user's web browsing information. In addition to the general system, systems, methods and computer readable media for such targeted offers, the targeted offer provider may comprise a combination of a web browser toolbar and a computing system linked across a communications network, the networking equipment of an internet service provider, and a proxy computing device.

Abstract: Disclosed herein are a method, system, and computer-readable storage medium with instructions for recommending locations to a user. Preferred criteria may be selected by the user, for example, or a third party, and provide objective or subjective information that the user is seeking in a location. Embodiments may include compiling objective information with the location and comparing the objective information to preferred criteria. A user's profile may be compared to another person's profile, where the other person's profile is associated to the location. A location may be recommended to the user if the objective information correlates to the preferred criteria and if the other person's profile correlates to the user's profile. Subjective information associated with the location may be provided to the user along with the recommended location. Furthermore, a location may be recommended to the user if the subjective information correlates to the preferred criteria.

Abstract: Techniques are described for authenticating a user to access information through an application executing on a computing device. Multiple authentication methods may be used in combination to authenticate the user with greater confidence than authentication provided by a single method, and to verify that the user is a live person and not an image or video. Facial recognition may be used in conjunction with heartbeat detection, via video analysis, to verify the user's identity and confirm that the user is live. Facial recognition may include capturing an image of the user's face and comparing certain points on the face with previously gathered information regarding the user. Heartbeat detection may include capturing a video segment of the user, stabilizing the captured video data, applying motion magnification techniques to the stabilized video data, and analyzing the stabilized, magnified video data to determine a presence of the user's heartbeat.

Abstract: A method is described to increase the efficiency of the removal of defects from document images by reorienting the conceptual framework within which an image is filtered. Rather than arbitrarily applying a filter to an entire landscape of a document image, the disclosure describes a methodology by which a document image is separated into regions of darkness and regions of light, or viewed alternatively, regions of darkness and regions of lack of darkness. Filtering is then adaptively applied to each region to remove defects.

Abstract: A system comprises one or more modules to access a business rule, deconstruct the business rule into a condition and an associated action, determine a set of questions relevant to the condition, place the set of questions into a question queue, order the question queue, and present the question queue to a user. A system comprises one or more modules to determine a subject of the request received from a user, use the subject to obtain a set of relevant questions, examiner each question and determine whether an answer to a current question is available in a storage area, and present the current question when the answer is not available. A system comprises one or more modules to access a decision tree, determine a current node, determine an estimated number of nodes between the current node and a leaf node, and present a representation using the estimated number of nodes.

Abstract: Disclosed herein are a method, system, and computer-readable storage medium comprising instructions for notifying a user of available realty in proximity to the user's approximate current location. In an embodiment, a triggering location region is defined based on the user's approximate current location. The triggering location region includes a second location that is associated with another person's profile that correlates with the user's profile. An alert is automatically provided to the user if available realty is within the defined triggering location region. In another embodiment, if available realty within the triggering location region meets the user's preferred criteria, information about the available realty may be automatically provided to the user.

Abstract: A system, method, and computer-usable medium are disclosed for providing information relating to damage incurred by a vehicle in an accident. A first plurality of markers with a first set of identifiers is embedded in a coating applied to a component of a first vehicle and a second plurality of markers with a second set of identifiers is embedded in a coating applied to a component of a second vehicle. Markers from the first vehicle are transferred to the second vehicle upon impact during an accident. The transferred markers are read by a marker reader and then processed to determine the identity of the first vehicle.

Abstract: A system and method for providing routing based insurance using a telematics route tracking device to receive data relating to traversal of a user route. The received telematics data is processed to determine risk related to the route, related external factors, and user driving behavior. An insurance policy pricing module is utilized to generate insurance policy price data to modify pricing effects.

Abstract: Disclosed herein are a method, system, and computer-readable storage medium with instructions for recommending locations to a user. Preferred criteria may be selected by the user, for example, or a third party, and provide objective or subjective information that the user is seeking in a location. Embodiments may include compiling objective information with the location and comparing the objective information to preferred criteria. A user's profile may be compared to another person's profile, where the other person's profile is associated to the location. A location may be recommended to the user if the objective information correlates to the preferred criteria and if the other person's profile correlates to the user's profile. Subjective information associated with the location may be provided to the user along with the recommended location. Furthermore, a location may be recommended to the user if the subjective information correlates to the preferred criteria.

Abstract: A method is described to increase the efficiency of the removal of defects from document images by reorienting the conceptual framework within which an image is filtered. Rather than arbitrarily applying a filter to an entire landscape of a document image, the disclosure describes a methodology by which a document image is separated into regions of darkness and regions of light, or viewed alternatively, regions of darkness and regions of lack of darkness. Filtering is then adaptively applied to each region to remove defects.

Abstract: Disclosed herein are a method, system, and computer-readable storage medium comprising instructions for notifying a user of available realty in proximity to the user's approximate current location. In an embodiment, a triggering location region is defined based on the user's approximate current location. The triggering location region includes a second location that is associated with another person's profile that correlates with the user's profile. An alert is automatically provided to the user if available realty is within the defined triggering location region. In another embodiment, if available realty within the triggering location region meets the user's preferred criteria, information about the available realty may be automatically provided to the user.

Abstract: A system for advising a user on the condition of a vehicle is described. Data can be collected from a vehicle in the form of images or reflected energy from a section or part of the vehicle, and the data can be analyzed to determine if repairs, damage, or other problems are present. The collected data may also be images of identifying panels or insignia on the car. A report with results of the analysis can be provided to the user. The results of the analysis may describe detected damage or repairs, provide vehicle history or identifying information, or report detection of repainting.

Abstract: A shell device with minimal software and/or hardware resources can download from a server configuration information and/or user data in order to allow the shell device to communicate with other computing devices (whether cell phones, personal digital assistants, laptops, and the like). Various security features can also be used herein, including a shell device password and a server network access password. In another aspect, any time code and/or data is downloaded from the server to the shell device, such code and/or data resides on the shell device during the time of a communication between the server and the shell device; thereafter, it can be deleted, thereby returning the shell device to its minimalistic resource state. When the shell device contacts the server again and attempts to establish another communication, such code and/or data can be downloaded anew, and after the communication it can be deleted again.

Abstract: A method is described to increase the efficiency of the removal of defects from document images by reorienting the conceptual framework within which an image is filtered. Rather than arbitrarily applying a filter to an entire landscape of a document image, the disclosure describes a methodology by which a document image is separated into regions of darkness and regions of light, or viewed alternatively, regions of darkness and regions of lack of darkness. Filtering is then adaptively applied to each region to remove defects.

Abstract: An alignment guide may be provided in the field of view of a camera associated with a mobile device used to capture an image of a check. When the image of the check is within the alignment guide in the field of view, an image may be taken by the camera and provided from the mobile device to a financial institution. The alignment guide may be adjustable at the mobile device. The image capture may be performed automatically by the camera or the mobile device as soon as the image of the check is determined to be within the alignment guide. The check may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used.

Abstract: An alignment guide may be provided in the field of view of a camera associated with a mobile device used to capture an image of a check. When the image of the check is within the alignment guide in the field of view, an image may be taken by the camera and provided from the mobile device to a financial institution. The alignment guide may be adjustable at the mobile device. The image capture may be performed automatically by the camera or the mobile device as soon as the image of the check is determined to be within the alignment guide. The check may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used.

Abstract: An alignment guide may be provided in the field of view of a camera associated with a mobile device used to capture an image of a check. When the image of the check is within the alignment guide in the field of view, an image may be taken by the camera and provided from the mobile device to a financial institution. The alignment guide may be adjustable at the mobile device. The image capture may be performed automatically by the camera or the mobile device as soon as the image of the check is determined to be within the alignment guide. The check may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used.

Abstract: A system, method, and computer-usable medium are disclosed for managing financial transactions by controlling the purchase of allowed and disallowed purchase items. A transaction control card is used to purchase a purchase item. Account information related to the transaction control card and purchase item data related to the purchase item is then processed to determine whether the purchase item is disallowed for purchase by any single, or combination of, disallowed purchase item data parameters.

Abstract: The APPARATUSES, METHODS AND SYSTEMS FOR REMOTE DEPOSIT CAPTURE WITH ENHANCED IMAGE DETECTION (hereinafter “RDC-Detection”) provides a platform for remote deposit by submitting captured images of a check via a user device, wherein the RDC-Detection transforms captured check images and/or entered check deposit information inputs via RDC-Detection components into deposit confirmation outputs. For example, in one embodiment, a financial institution may receive a check image captured by a scanner, a camera, and/or the like, and process the check image to extract deposit information to process the deposit request.

Abstract: A system, method and computer-readable medium are provided to enable digital bank endorsement. A digital image of a back side of a check may be placed in a computer memory. Appropriate coordinates for a bank endorsement may be determined. A bank endorsement may be automatically generated. The digital image may then be electronically altered by overlaying, merging, or rendering text of the generated bank endorsement. A modified digital image may be combined with an image of the front side of the check and stored and/or exported to check clearing operations.