Abstract: Systems and methods for predicting item group composition are disclosed. A system for predicting item group composition may include a memory storing instructions and at least one processor configured to execute instructions to perform operations including: receiving entity identification information and a timestamp associated with a transaction without receiving information distinguishing items associated with the transaction; determining, based on the entity identification information, a localized machine learning model trained to predict categories of items based on transaction information applying to all of the items associated with the transaction; and applying the localized machine learning model to a model input to generate predicted categories of items associated with the transaction, the model input including the received entity identification information and a timestamp but not including information distinguishing items associated with the transaction.

Abstract: Systems and methods for developing temporal behavioral profiles are disclosed.

Abstract: A system for processing a transaction at a point of engagement comprising receiving an input interaction from a user, communicating with a plurality of identity providers to validate an identity of the user, communicating with a plurality of payment providers to collect available payment or funding options, mapping the input interaction to an output interaction, and performing a transaction that reflects the mapping of the input interaction to the output interaction.

Abstract: A frictionless shopping platform supports modular systems to outfit any physical store with a secure self-checkout experience. The frictionless shopping platform can communicate with a kiosk or mobile application to obtain customer information including payment information; a shopping sensor platform that tracks a user in the store to obtain anonymous shopper identification and associated shopping cart items; and a financial services provider to affect payment.

Abstract: A method for contactless withdrawal at an automated teller machine includes: receiving, by a receiver of a computing device, a first signal indicating proximity to a first predetermined geographic location; displaying, by a display interfaced with the computing device, a prompt associated with the predetermined geographic location; receiving, by an input device interfaced with the computing device, one or more parameters and a credential selection; receiving, by the computing device, a second signal indicating proximity to a second predetermined geographic location; and transmitting, by a transmitter of the computing device, at least the one or more parameters and credentials associated with the credential selection to an automated teller machine located at the second predetermined geographic location.

Abstract: Systems and methods are provided for assessing one or more fees in connection with occupancy of a user at a shared office environment. One exemplary method includes receiving, from a sensor associated with a workstation, confirmation of a presence of a user at the workstation, and receiving, from the sensor, an occupancy interval based on the presence of the user at the workstation up to a departure of the user from the workstation. The method also includes, in response to receiving the occupancy interval, determining a fee associated with occupancy of the workstation by the user, based on at least the occupancy interval, and initiating a transaction to a payment account associated with the user for the determined fee, thereby providing payment specific to the occupancy of the workstation by the user substantially upon the departure of the user from the workstation.

Abstract: A frictionless shopping platform supports modular systems to outfit any physical store with a secure self-checkout experience. The frictionless shopping platform can communicate with a kiosk or mobile application to obtain customer information including payment information; a shopping sensor platform that tracks a user in the store to obtain anonymous shopper identification and associated shopping cart items; and a financial services provider to affect payment.

Abstract: Exemplary systems and methods are disclosed for providing access through security key pairs. One exemplary method includes generating, by a platform, a key pair specific to a user and associated with an access period to an asset, where the key pair includes a first key and a second key associated with the first key, and storing the key pair in a data structure. The method also includes distributing the first key to an application associated with the user and distributing the second key to an access system of the asset. The method further includes receiving an access request for the asset during the access period and including the first key, identifying from the data structure the second key of the key pair based on the received first key, and transmitting a message including the second key to the access system for allowing, or not, access to the asset.

Abstract: A method for contactless withdrawal at an automated teller machine includes: receiving, by a receiver of a computing device, a first signal indicating proximity to a first predetermined geographic location; displaying, by a display interfaced with the computing device, a prompt associated with the predetermined geographic location; receiving, by an input device interfaced with the computing device, one or more parameters and a credential selection; receiving, by the computing device, a second signal indicating proximity to a second predetermined geographic location; and transmitting, by a transmitter of the computing device, at least the one or more parameters and credentials associated with the credential selection to an automated teller machine located at the second predetermined geographic location.

Abstract: Exemplary systems and methods are disclosed for providing access through security key pairs. One exemplary method includes generating, by a platform, a key pair specific to a user and associated with an access period to an asset, where the key pair includes a first key and a second key associated with the first key, and storing the key pair in a data structure. The method also includes distributing the first key to an application associated with the user and distributing the second key to an access system of the asset. The method further includes receiving an access request for the asset during the access period and including the first key, identifying from the data structure the second key of the key pair based on the received first key, and transmitting a message including the second key to the access system for allowing, or not, access to the asset.

Abstract: An apparatus for generating personal profile scores can include a processor that can receive, from different sensors, different types of sensor measurements for different individuals. The processor can calculate individual sensor scores corresponding to different types of sensor measurements. The processor can calculate a regional average score for different types of sensor measurements based on the sensor measurements from a subset of sensors associated with individuals located in a particular geographic region. The processor can determine an adjusted sensor score for each of different types of sensor measurements, wherein the adjusted sensor score for each type of sensor measurement comprises an individual sensor score normalized by a corresponding regional average score for that corresponding type of sensor measurement. The processor can determine an adjusted personal profile score by compositing the adjusted sensor scores for each of the different types of sensor measurements.

Abstract: Systems and methods are provided for assessing one or more fees in connection with occupancy of a user at a shared office environment. One exemplary method includes receiving, from a sensor associated with a workstation, confirmation of a presence of a user at the workstation, and receiving, from the sensor, an occupancy interval based on the presence of the user at the workstation up to a departure of the user from the workstation. The method also includes, in response to receiving the occupancy interval, determining a fee associated with occupancy of the workstation by the user, based on at least the occupancy interval, and initiating a transaction to a payment account associated with the user for the determined fee, thereby providing payment specific to the occupancy of the workstation by the user substantially upon the departure of the user from the workstation.