Abstract: Disclosed aspects and embodiments pertain to customer distress assistance. A call can be detected to a callee from a caller. The call can be analyzed and determined to be a fraud or spam risk. In response, callee monitoring is triggered. The monitoring can capture biometrics or speech of the callee. Distress in the callee can be determined through analysis of the biometrics or speech and comparison to reference biometrics or speech of the callee. An individual associated with the callee can be selected based on determining the distress in the customer. The individual can be contacted through a notification or a call to assist the callee in distress.

Abstract: Systems and methods of caller identity verification and notification are disclosed. In one embodiment, an exemplary computer-implemented method may include: configuring a notification application, executing at a first computing device associated with a first user, the first user associated with an entity; receiving, from the notification application executing on the first computing device, an indication when the first user initiates a particular call to a second user; determining an application associated with the entity and installed on the second computing device of the second user, the application having an icon displayed at a screen of the second computing device; and instructing the application, executing on the second computing device, when the second computing device has received the particular call from the first user, to update an appearance of the icon associated with the application to display an indicator with regard to that the first user is associated with the entity.

Abstract: Exemplary embodiments may provide keys for unlocking access to a location, like a user room, a secure location, a door at an employee location, a trunk, a closet or other locked location or item, on a payment card. Examples of a payment card include but are not limited to a credit card, a debit card, a smart card, an employee identification card, etc. A secure token that acts as digital key may be uploaded to the payment card. The payment card may then be put in close proximity of a wireless reader at the lock. The wireless reader obtains the secure token and extracts the contents. If the contents are proper, the lock is unlocked. Otherwise, the lock remains locked.

Abstract: Systems and methods for autonomous banking resources are disclosed. Embodiments include a mobile banking resource including an unmanned motorized vehicle, a controller configured to control the movement of the motorized vehicle, an authentication device configured to verify the identity of a user, a server configured to communicate with the controller and the authentication device, and a user interface module configured to interface with the user conducting a transaction. The user interface module may include a user input device configured to receive user input, and a communication interface module configured to communicate with a server and the user input device. The controller may be configured to operate the motorized vehicle to move the motorized vehicle to a location based on a predicted behavior of the user.

Abstract: A computer-implemented method for authenticating a source of a telephone call to a recipient of the telephone call may include receiving, prior to receiving the telephone call, a request to input first authentication information. The first authentication information may include a passcode or a selection of a security question. The method may include receiving input of the first authentication information and sending, by the user device, the first authentication information to a computing device associated with the source of the telephone call. The method may include receiving the telephone call from the source and receiving input from the recipient of the telephone call to answer the telephone call. The method may include receiving second authentication information from the computing device, where the second authentication information may include the passcode or an answer to the security question. The method may include outputting the second authentication information.

Abstract: The disclosed system and method is directed to enhancing feasibility of virtual card numbers (VCNs), as secure transaction instruments in online electronic transaction, by incorporating an offline attribute value, which may correspond to an element of the users physical card such as the CVV code, into the validation parameters specified for a VCN. This functionality may be implemented, on the validation end, by modifying a VCN data object to include a reference to the corresponding data element. The proposed system and method provides a more flexible and feasible implementation for conducting VCN transactions without compromising authentication security across network connections.

Abstract: A method of processing a virtual money order transaction includes establishing an account for a first user having a first user device and receiving from a second user device, a virtual money order purchase request identifying the first user as a payee, an amount, and payment information. A transfer of a payment amount from a second user account to a transaction processor account is processed and a virtual money order is generated with associated information accessible at a network address. A notification including the network address is transmitted to the first user device and a request to receive the money order information is received via the network address. Responsive to verification that the requester is authorized, the information is transmitted to the first user device. A redemption request is received and a transfer of the money order amount from the transaction data account to the redemption requester is processed.

Abstract: Exemplary embodiments may provide keys for unlocking access to a location, like a user room, a secure location, a door at an employee location, a trunk, a closet or other locked location or item, on a payment card. Examples of a payment card include but are not limited to a credit card, a debit card, a smart card, an employee identification card, etc. A secure token that acts as digital key may be uploaded to the payment card. The payment card may then be put in close proximity of a wireless reader at the lock. The wireless reader obtains the secure token and extracts the contents. If the contents are proper, the lock is unlocked. Otherwise, the lock remains locked.

Abstract: A method includes generating a set of non-trusted contacts, each contact of the set of non-trusted contacts corresponding to contact information believed to be associated with vishing attacks. The method further includes sending the set of non-trusted contacts to a computing device of a user. The computing device is configured to add the set of non-trusted contacts to a contacts list associated with an audio calling functionality of the computing device. The computing device is configured to receive a call and determine that the call is from a caller associated with a contact in the set of non-trusted contacts. The computing device is configured to silence the call, block the call, or display caller information of the contact based on the determination that the call is from the caller associated with the contact in the set of non-trusted contacts.

Abstract: In a method of controlling account user access to transaction information for a joint account, a set of control criteria is stored in a control database. Information for a new transaction is received and stored in a transaction information database. An information limitation request to prevent access to the transaction information by a second account user for a withholding time interval is received from a first account user. An access limitation record including identification of the second account user and the withholding time interval is stored in the information control database. Upon receiving from a second account user a request for account information including the transaction information, a determination may be made as to whether the transaction information should be withheld from the second account user. Responsive to a determination that the transaction information should be withheld, a response excluding the transaction information is transmitted to the second user device.

Abstract: Various embodiments are generally directed to method and devices to receive biometric data and transaction data relating to a transaction, apply a model to the biometric data and the transaction data to determine an emotional state of the user during the transaction, and determine an action associated for the transaction based on the emotional state of the user during the performance of the transaction. Embodiments further include causing performance of the action.

Abstract: Disclosed herein are systems and methods for providing contextualized reviews. A customer can make a review, such as reviewing a product or a business, outlining their experience. To provide additional emotional context, biometric data can be obtained and compared to the customer's historical biometric data. Upon determining that the biometric data has deviated from the historical biometric data, the review data from the review can be revised to include a notification. The customer can also be alerted and warned to not post the review if their emotional state is found to be negative. The process can be repeated on a plurality of customers opted-in to the contextualized review system. For the plurality of customers, a plurality of reviews can be analyzed for a business or service provider by, for instance, emphasizing emotional reviews, ranking the reviews, or filtering out non-emotional reviews.

Abstract: Various embodiments are generally directed to techniques to enable use of a transaction card of a user device to perform transactions. Embodiments may include method, techniques, and circuitry to cause a transaction card to extend from a user device to be used to perform the transactions. Further, the transaction card may retract into the housing the user device when not in use.

Abstract: Systems and methods of caller identity verification and notification are disclosed. In one embodiment, an exemplary computer-implemented method may include: configuring a notification application, executing at a first computing device associated with a first user, the first user associated with an entity; receiving, from the notification application executing on the first computing device, an indication when the first user initiates a particular call to a second user; determining an application associated with the entity and installed on the second computing device of the second user, the application having an icon displayed at a screen of the second computing device; and instructing the application, executing on the second computing device, when the second computing device has received the particular call from the first user, to update an appearance of the icon associated with the application to display an indicator with regard to that the first user is associated with the entity.

Abstract: A system and method for detecting and prevent identity theft attempts, such as phishing, vishing or other similar attacks is disclosed. A smart device, such as a smartphone operates in tandem with a biometric sensor, such as is included in a wearable device like a smartwatch or fitness tracker. The wearable tracks certain biometric and/or physiological data that can be used to identify whether the user is in a stressed state. The smart device then accesses usage logs that may indicate whether the stressed state is justified, such as whether the user had a calendar appointment at that time, or whether the call was received from a known contact etc. Justifications reduce the likelihood that the user's stress is a result of an identity theft attempt, whereas lack of justification increases the likelihood. In the latter scenario, the user is notified not to divulge sensitive information.

Abstract: In some embodiments, the present disclosure provides an exemplary method that may include steps of receiving a permission indicator identifying a permission by the first user to detect calls being received by the computing device; receiving an indication of a particular call being received from a second user at a particular phone number; detecting a triggering condition to verify when the particular phone number is associated with the particular entity; instructing the computing device to execute a computer routine to verify when the particular phone number is associated with the particular entity; receiving an indication from the computer routine when the particular phone number is not associated with the particular entity; instructing the computing device to perform at least one security action; and instructing to notify a second computing device associated with the particular entity with information pertaining to the particular call.

Abstract: Systems and methods for improved security authentication are disclosed. In some embodiments, an improved system for security authentication may include a plurality of computing devices, and a server system communicatively coupled to the plurality of computing devices. The server system may be configured to receive a request for security authentication, determine an authorization providing computing device from among the plurality of computer devices based on authentication preferences stored in a database communicatively coupled to the server system, generate and transmit authentication information to the determined authorization providing computing device, receive, from an initiating computing device an authentication input, determine whether the received authentication input matches the transmitted authentication information, and complete the request for security authentication when the received authentication input matches the generated and transmitted authentication information.

Abstract: A method of processing a virtual money order transaction includes establishing an account for a first user having a first user device and receiving from a second user device, a virtual money order purchase request identifying the first user as a payee, an amount, and payment information. A transfer of a payment amount from a second user account to a transaction processor account is processed and a virtual money order is generated with associated information accessible at a network address. A notification including the network address is transmitted to the first user device and a request to receive the money order information is received via the network address. Responsive to verification that the requester is authorized, the information is transmitted to the first user device. A redemption request is received and a transfer of the money order amount from the transaction data account to the redemption requester is processed.

Abstract: Disclosed herein are system, method, and computer program product embodiments for protecting a device from skill squatting by verifying the legitimacy of a skill to a user before operating the skill based on user instructions. Upon receiving an audio signal from a user to operate a skill on a device, the skill can retrieve unique and non-confidential information related to the user or the device, and further present the unique and non-confidential information to the user such that the information is used to verify the legitimacy of the skill. Upon a verification of the legitimacy of the skill, the user can operate the skill by voice or audio instructions.

Abstract: Methods and systems are described herein for manipulating a communication acceptance screen, manipulating an interactive communication acceptance icon, and restricting access to accounts based on voice communication parameters. In particular, when a communication is detected from one device to another device, that communication may be risky. Thus, the risk is mitigated by giving a user information about the source of the communication to give a user a chance to reject the communication. In addition, in instances where the user accepts the communication, the system enables monitoring the communication and restricting any accounts that are disclosed within the communication.