Abstract: A pillow configured as a durable cushion as well as a more comfortable cushion. The pillow may include a single chamber with two sides extending between two different materials. A cushion may be positioned within the chamber and may be of such dimensions to fit within only one side of the chamber. When the cushion is positioned the first side of the chamber the second side of the chamber may include a void and the material on the second side may be rolled up and folded into an envelope on the first side maintaining the cushion. Alternatively, a user can move the cushion to the second side and the voided material of the first side can be rolled up into the envelope on the second side. The first side may be a more durable material, such as nylon, and the second side may be a softer material, such as cotton-jersey.

Abstract: A pillow configured as a durable cushion as well as a more comfortable cushion. The pillow may include a single chamber with two sides extending between two different materials. A cushion may be positioned within the chamber and may be of such dimensions to fit within only one side of the chamber. When the cushion is positioned the first side of the chamber the second side of the chamber may include a void and the material on the second side may be rolled up and folded into an envelope on the first side maintaining the cushion. Alternatively, a user can move the cushion to the second side and the voided material of the first side can be rolled up into the envelope on the second side. The first side may be a more durable material, such as nylon, and the second side may be a softer material, such as cotton-jersey.

Abstract: A pillow configured as a durable cushion as well as a more comfortable cushion. The pillow may include a single chamber with two sides extending between two different materials. A cushion may be positioned within the chamber and may be of such dimensions to fit within only one side of the chamber. When the cushion is positioned the first side of the chamber the second side of the chamber may include a void and the material on the second side may be rolled up and folded into an envelope on the first side maintaining the cushion. Alternatively, a user can move the cushion to the second side and the voided material of the first side can be rolled up into the envelope on the second side. The first side may be a more durable material, such as nylon, and the second side may be a softer material, such as cotton-jersey.

Abstract: A pillow configured as a durable cushion as well as a more comfortable cushion. The pillow may include a single chamber with two sides extending between two different materials. A cushion may be positioned within the chamber and may be of such dimensions to fit within only one side of the chamber. When the cushion is positioned the first side of the chamber the second side of the chamber may include a void and the material on the second side may be rolled up and folded into an envelope on the first side maintaining the cushion. Alternatively, a user can move the cushion to the second side and the voided material of the first side can be rolled up into the envelope on the second side. The first side may be a more durable material, such as nylon, and the second side may be a softer material, such as cotton-jersey.

Abstract: The invention describes a system and method employing machine learning and artificial intelligence engines to monitor data streams in real-time across multiple channels in order to detect anomalies and generate prioritized alerts. In particular, the invention may continuously collect data across multiple channels. The obtained data may be compared with reference data to continuously update a confidence level associated with the user, channel, entity, or other identifying factor. The invention may detect any inconsistencies in the data collected over time and generate an alert to the user in question and potentially to other downstream users or entities. In this way, the invention not only provides a way to detect anomalies in a cross-channel fashion, but also creates a mechanism for feedback wherein the system may incorporate user feedback to resolve alerts and detected anomalies.

Abstract: The invention describes a system and method employing machine learning and artificial intelligence engines to monitor data streams in real-time across multiple channels in order to detect anomalies and generate prioritized alerts. In particular, the invention may continuously collect data across multiple channels. The obtained data may be compared with reference data to continuously update a confidence level associated with the user, channel, entity, or other identifying factor. Based on the confidence level, profile the user to detect any inconsistencies in the data collected over time and generate an alert to the user in question and potentially to other downstream users or entities. In this way, the invention not only provides a way to detect anomalies in a cross-channel fashion, but also creates a mechanism for feedback wherein the system may incorporate user feedback to resolve alerts and detected anomalies.

Abstract: Embodiments are directed to expedited setup of digital wallet using contactless credentials. Embodiments receive user authentication credentials; validate the user authentication credentials; in response to validation, enable access to one or more features or functions of a mobile application; receive, from the contactless reader, contactless credential information comprising owner identification, credential number, expiration date and cryptogram; load the contactless credential information into a digital wallet stored in the memory; and enable use of a payment token corresponding to the contactless credential information in a digital wallet transaction.

Abstract: Embodiments are directed to enabling authentication shifting based on mobile wallet characteristics such as presence and/or content of a payment credential or pre-generated token. Embodiments receive a request for access to a function or feature by a user of the mobile device; receive first user authentication credentials from the user; access a mobile wallet storing at least one payment credential associated with an owner of the mobile device, the at least one payment credential comprising owner identity information; compare the first user authentication credentials with the owner identity information; confirm the first user authentication credentials match the owner identity information; and enable access to the requested function or feature. Embodiments also determine that additional user authentication is required for access to the requested function or feature; receive and validate second user authentication credentials; and enable access to one or more features or functions of a mobile application.

Abstract: The disclosed cot may include a first side rail having a first connection mechanism, a second side rail having a second connection mechanism, a leg secured to the second side rail, a pivoting mechanism that pivotally secures the leg to the second side rail. An end rail may include a third connection mechanism that engages with the first connection mechanism and a fourth connection mechanism that engages with second connection mechanism. The cot may further comprise a pivoting arm having a proximal end that pivotally engages with the leg, the first side rail, the second side rail, the end rail or a pivoting mechanism that enables the leg to pivot relative to one of the side rails. The pivoting arm may comprise a distal end having a sixth connection mechanism that engages with a fifth connection mechanism disposed on another portion of the cot.