Abstract: Embodiments of the invention receive an expression of interest for a benefactor from a user, propose creation of an affinity program associated with the benefactor to the user, and create an affinity program associated with the benefactor. Creating includes determining at least one triggering action for triggering a donation to the benefactor, determining at least one potential participant for the affinity program, and inviting the at least one potential participant to join the affinity program. Creating the affinity may also include proposing the affinity program to the benefactor and negotiating contractual terms on behalf of a program administrator, such as, by using an artificial intelligence engine. In some embodiments, creating the affinity also includes, in response to determining the number of expressions of interest from unique users surpasses a predetermined threshold, initiating the affinity program by inviting at least one of the unique users to join the program.

Abstract: Embodiments of the invention provide financial health assessment and incentive systems for financially responsible behaviors. The methods, apparatus and computer program products provide for receiving a financial behavior set associated with a customer, identifying a difference between the financial behavior set associated with the customer and a second financial behavior set, and providing to the customer an incentive to make an alteration to a financial behavior. In some example implementations, financial behaviors exhibited by or otherwise attributable to individuals who are socially affiliated with the customer via a social network are observed and associated with the customer. In some example implementations, advertisements for goods and/or services that are potentially attractive to the customer are directed to the customer in response to identifying a difference between the financial behavior set associated with the customer and the second financial behavior set.

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for offering products or services to existing customers of a merchant based on the likelihood that the customer will purchase additional products or services of the merchant, wherein a computing device monitors data that is indicative of a customer's personal circumstances and a processor analyzes changes in the data and correlates the changes to opportunities for the merchant to offer products or services to the customer. A computing device then receives an indication that the customer is proximate in time to a change in data that correlates to an opportunity for the merchant to offer products or services to the customer and communicates the offers for the correlated products or services to the customer.

Abstract: A networking platform for lending is disclosed. The platform may facilitate communication of potential borrowers and potential lenders where such lenders are not traditional financial institutional lenders. The platform may be configured to poll a potential borrower's social network to identify acquaintances that may wish to fund at least a portion of the requested loan.

Abstract: Methods, apparatus systems and computer program products are described herein that provide for using video or still shot analysis, such as AR or the like, to assist the user of mobile devices with receiving information corresponding to an abstraction or representation of a subject. Some subjects are difficult to capture in a video or still shot. The method and devices described herein capture representations of difficult to capture or unavailable subjects and presents information related to the subject with the representation. In an embodiment, the representation is a screenshot and the information is provided related to the application that is represented by the screenshot. Various other types of representations including depictions, advertisements, portions of, and identifying marks can be identified by the system and method and information presented relating to the corresponding subjects. In some cases, the information is customized with financial information of the user.

Abstract: System, method, and computer program product are provided for using real-time video analysis to provide the user of mobile devices with security, no matter the user's location. Through the use of real-time vision object recognition objects, logos, artwork, products, locations, and other features that can be recognized in the real-time video stream and frequented locations of the user can be established. In this way, a baseline layout of the frequented location is determined, such that the objects and individuals typically in the frequented area are recognized. The system may continue to take real-time video images of the frequented location, such that if a variation in the baseline layout occurs, the change may be alerted. In this way, a security compromise, such as a break-in to a user's home may be detected by the system and thus the system may notify the user or the appropriate authorities.

Abstract: System, method, and computer program product are provided for using real-time video analysis to provide information about vehicles to a user. Through the user of real-time vision object recognition an image of a vehicle VIN number or a portion of a vehicle may be captured using an image capture device. The VIN number or the portion the vehicle that was captured via the real-time video analysis may be analyzed to determine information about the vehicle. The information may include information about the vehicle, such as the make, model, year, price, vehicle history, and the like. Furthermore, information about the individual's finances, such that an individual may know budgeting of purchasing a vehicle. The information about the vehicle and financial information about purchasing the vehicle is presented to the user.

Abstract: A social networking platform for peer-to-peer underwriting is disclosed. A user's social network acquaintances may be contacted or otherwise polled to determine their agreeability with serving as an underwriter for the user's desired financial services in order to reduce (or eliminate) the financial risk of providing the financial services to the user by the financial services provider. With a plurality of acquaintances willing to underwrite, the financial risk may be substantially dispersed among numerous acquaintances while the user is granted their desired financial services (or a reduced rate for the financial services).

Abstract: Embodiments of the invention are directed to methods, apparatus systems and computer program products that provide for using real-time video analysis for recognizing financial document images by capturing a real-time video stream using a mobile device, wherein the video stream features one or more financial documents, analyzing and correlating the images in the real-time video stream to the images necessary to process the financial document, providing notice to a user of additional images needed to process the financial document and communicating the information associated with the financial document to a financial institution to complete a transaction once sufficient images of the financial document have been captured to process the financial document.

Abstract: Systems, methods, and computer program products are provided for assisting a consumer during a transaction with a vendor at a point of sale by providing transaction information to the consumer via consumer-readable communications. In one embodiment, a payment terminal proximate the point of sale communicates a transaction information signal to the mobile device. The mobile device communicates the transaction information to the consumer in a consumer-readable format such as audible sound waves. In some embodiments, the consumer-readable communications include requests for consumer input. The consumer input is received by an input device proximate the mobile device and communicated to the payment terminal. In some embodiments consumer input is received by the payment terminal as well as the mobile device, and in some embodiments, the consumer chooses whether to use the mobile device as an interface or only to use the payment terminal.

Abstract: Systems, methods, and computer program products are provided for assisting a consumer during a transaction with a vendor at a point of sale by providing transaction information to the consumer in an audible format. The system includes a consumer device and a payment terminal located proximate the point of sale. The consumer device, either a mobile device carried by the consumer or an immobile device also located proximate the point of sale, communicates with the payment terminal and receives transaction information such as product identity or amount information. The consumer device then produces sound waves audible to the consumer based on the communicated transaction information using one or more private and/or public listening devices. This audible transaction process can be performed automatically during a transaction or can be implemented based on consumer preference.

Abstract: System, method, and computer program product are provided for using real-time video analysis, such as AR or the like to assist the user of mobile devices with landscape design. Through the use of real-time vision object recognition objects, logos, artwork, products, locations, and other features that can be recognized in the real-time video stream can be matched to data associated with such to assist the user with selecting the proper landscape elements for the area the user wishes to landscape. The proper landscape elements may be based off of several factors regarding the landscape area. These factors include natural characteristics of the area, such as soil type, weather, sun/shade, natural terrain of the area, etc. This invention provides recommended landscape elements for an area, such that the recommended landscape elements have a high rate of success in the area.

Abstract: In general terms, embodiments of the present invention relate to apparatuses, methods, and computer program products for presenting information associated with a real estate listing in an augmented reality environment. For example, in some embodiments, a method is provided that includes (a) receiving positioning information from a mobile device; (b) identifying, based at least partially on the positioning information, a real estate property; (c) determining that the real estate property is subject to a real estate listing; and (d) presenting, via the mobile device, information that indicates that the real estate property is subject to a real estate listing.

Abstract: Methods, apparatus and computer-program products are described for providing travel-location merchant offers to users who are determined to be travelling based on Point-Of-Sale (POS) transaction data. Embodiments of the invention compare the location of the POS transaction to the user's domicile location and if the transaction occurs a predetermined distance or greater from the domicile location, the user is determined to be travelling. Once the travelling determination is made, travel-location merchant offers are identified and communicated to the user.

Abstract: Methods, systems, computer programs are described that provide for presenting investment-related information in conjunction with display of a live video stream that includes the related publicly traded or privately held business entity or an object associated with the business entity. Business entities or the objects associated with the business entities that are proximate to a mobile communication device may be identified via object recognition techniques, product codes, wireless communication, location determination or the like. Once the business entities or objects have been identified, the related investment information is retrieved and indicators are displayed in the live video stream proximate to the display of the business entity or an object associated with the business entity.

Abstract: System, method, and computer program product are provided for using real-time video analysis, such as augmented reality, to assist a user of a mobile device with interior design. Through the use of real-time object recognition features, logos, artwork, products, locations, etc. can be recognized in a real-time video stream and can subsequently be matched with data associated with such to assist the user with selecting the proper design elements for a space, such as a kitchen. The proper design elements may be based off of several factors regarding the design space, include the dimensions of the space, the location of windows, doors and outlets, geographic and positional data, other space features, current design elements, architectural features, décor, and style data of the space, etc. This invention provides a virtual area with design elements, such that a user may view the area and determine the proper décor for the area.

Abstract: Aspects of the disclosure relate to assisting credit account holders during economic hardship. More specifically, aspects of the disclosure relate to systems and methods for providing a rebate of at least a portion of a finance charge applied to a credit account. Unlike certain prior art systems and methods, embodiments disclosed herein may benefit both the credit account holder as well as the financial institution that extends the credit account. In one embodiment, it may be determined that several credit accounts meet a threshold of probability of having a charge-off. In certain embodiments, the number of accounts that receive a rebate may be limited to a certain percentage of credit accounts with a non-zero balance.

Abstract: Systems, methods, and computer program products provide for presentation of product offers in conjunction with a live video stream that includes images of the product or images associated with the product. The invention identifies products located proximate to a mobile communication, for example using real-time object recognition techniques, product codes, wireless communication or the like to identify products. Once the products are identified, related offers are determined and offer indicators are presented proximate to the location of the image in the live video stream.

Abstract: Embodiments of the invention are directed to methods and apparatuses for capturing a real-time video stream using a mobile device, determining, using a processor, which images from the real-time video stream are associated with individuals meeting a user defined criteria, and presenting on a display of the real-time video stream, one or more indicators, each indicator being associated with an image determined to be a person meeting the predefined criteria.

Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a financial service that involves a coverage network.