Abstract: Embodiments of the present invention relate to methods and apparatuses for providing a financial service that involves a coverage network. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information, where the transaction involves an account and a holder of the account; (b) determining, based at least partially on the transaction information, that the account does not have sufficient funds or credit to cover the transaction amount; (c) prompting a member of a coverage network to consent to covering at least part of the transaction amount, where the coverage network is associated with the account or the holder, and where the prompting occurs after the determining that the account does not have sufficient funds or credit; (d) receiving the member's consent to covering at least part of the transaction amount; and (e) authorizing the transaction based at least partially on the member's consent.

Abstract: According to some embodiments, a system comprises an interface and one or more processors. The interface receives a request for a transaction from a primary user of a financial account. The processor(s) determine rules associated with the primary user. The rules indicate whether an administrator has authorized the primary user to make the transaction, and at least one of the rules includes comparing a location associated with the request to one or more approved locations from which the primary user is authorized to make the transaction. The processor(s) process the transaction according to the rules.

Abstract: Embodiments of the invention are directed to methods and apparatuses for conducting financial transactions based on identification of individuals in an augmented reality environment. The method includes capturing a video stream using a mobile computing device; analyzing, using a computing device processor, the video stream to distinguish between individuals and objects; identifying an individual in the video stream; authenticating the identity of the individual; and conducting the transaction after the individual is authenticated. The method may also include presenting indicators associated with the user, the identified individual, or the financial transaction.

Abstract: A server behavior modification system assists a customer during a financial activity, such as a transaction, and includes a current financial activity assistance system having a data collection system for collecting current physiological activity data, such as current electrodermal activity data, and a data manipulation system for assessing the likelihood of vulnerability to a predetermined undesired financial behavior, as defined by customer input received by a customer settings definition system. The assessment is based at least in part on the data manipulation system comparing a combined historical behavior pattern with the collected current data. The combined historical behavior pattern comprises a correlation between historical physiological activity data and historical financial activity data. An alerting system instructs a customer behavior modification system to produce an alert based at least in part on an assessment of likely vulnerability to a predetermined undesired financial behavior.

Abstract: A method for effecting transfer of a payment amount to a merchant during a transaction between a customer and the merchant includes determining, using a processing device, a funds shortfall, accessing a funds sharing network comprising a plurality of users, identifying one or more of the users of the funds sharing network, requesting funds from the identified one or more users, and applying funds received from the one or more users to the funds shortfall. In some embodiments, identifying one or more of the users includes determining whether one or more of the users are indebted to the customer, determining levels of connection between two or more of the users and the customer, and developing a hierarchy of users based on the indebted users and the levels of connection.

Abstract: According to some embodiments, a system comprises an interface and one or more processors. The interface receives a request for a transaction from a primary user of a financial account. The processor(s) determine rules associated with the primary user. The rules indicate whether an administrator has authorized the primary user to make the transaction, and at least one of the rules includes comparing a location associated with the request to one or more approved locations from which the primary user is authorized to make the transaction. The processor(s) process the transaction according to the rules.

Abstract: An enhanced rewards server may analyze the progress of an individual, group, and/or organization towards a financial goal and may reward the individual, group, and/or organization once the goal has been achieved. The enhanced rewards server may analyze various pieces of information, including transaction data related to credit cards and bank accounts, to determine whether the individual, group, and/or organization is making progress towards the financial goal. In addition, the rewards server may consider progress evaluations made by a social network associated with the individual, group, and/or organization in deciding whether or not a reward should be transmitted.

Abstract: According to one or more aspects, financial transactions may be conducted using a financial card product, such as a hybrid secured credit card that permits transactions up to a predetermined total credit limit, and then allows transactions in excess using a security interest in assets. The asset may be the available balance in an interest-bearing checking account (e.g., a DDA account), a brokerage account, or other type of account that may hold funds/assets. The available balance of the asset(s) may be monitored in real-time (or near real-time) such that the available spending limit on the hybrid secured credit card may be floating (e.g., dynamic). In one example, backend systems may be configured to monitor in real-time an available balance in security accounts in order to prevent spending over the amount of secured funds. In addition, in some examples, more than one account may be associated with the card such that the total spending limit on the card is greater.

Abstract: Apparatuses, computer readable media, methods, and systems are described for identifying a change or an increased likelihood of a change in a usage pattern of an account, generating an offer in response to the identifying, the offer comprising an incentive for use of the account in future transactions, and causing transmission of the offer.

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: Methods, computer readable media, and apparatuses for providing customer rewards programs are presented. According to one or more aspects, it may be determined, based on transaction history information, that a group of accountholders is associated with a common interest. Subsequently, it may be determined that one or more entities provide offerings relevant to the common interest. Thereafter, at least one new rewards program may be automatically created with the one or more entities, and the at least one new rewards program may allow the group of accountholders to earn rewards associated with the common interest. According to one or more additional aspects, it may be determined, for a particular accountholder, based on transaction history information associated with the accountholder, that a first rewards program in which the accountholder is not currently enrolled is more advantageous to the accountholder than a second rewards program in which the customer is currently enrolled.

Abstract: A method for communicating one or more offers to one or more users determines a distance between each of the plurality of users and one or more merchants, based at least in part on a first set of data, wherein the first set of data comprises information related to a plurality of users and a plurality of locations, each of the plurality of locations corresponding to one or more of the plurality of users, correlates the distance between each of the users and the one or more merchants to one or more offers, wherein the offers are intended to entice one or more users to travel to one or more locations corresponding with the one or more merchants, determines to which of the plurality of users to make offers, communicates one or more offers to the determined users based at least in part on the correlated distance between each of the users and the one or more merchants, and receives, communicated from a mobile device of a user, acceptance or redemption of one or more of the offers.

Abstract: A method, apparatus, computer-readable medium and system are disclosed for acquiring data with respect to a user. In some embodiments, a computational algorithm may determine whether to provide one or more products and/or services to a user. The products and/or services may be related to banking. In some embodiments, a device may receive a request for products/services. After an initial examination of the request, the device may make a determination that more information is needed. A request for the additional information may be transmitted, and the transmitted request may include one or more incentives for voluntarily disclosing the information. In some embodiments, the requested additional information may include verified income and/or expenses. A response to the request for additional information may be received at the device. The device may analyze the response and may extend an offer for products/services.

Abstract: A computer system receives information that specifies members of a group and obtains a green goal for the group, where the green goal may comprise of at least one criterion. The green goal may be determined by a business offering a reward and/or by the group members. For example, the computer system may send a list of possible green criteria to specify the group's green goal. Group members may select one or more criteria from the list so that the group's green goal may be determined by a predetermined voting procedure. Based on information about purchases by members of the group, the computer system determines whether the green goal has been attained. If so, a reward may be presented to the group members and/or green organization. The computer system may also generate a recommendation to the group members about attaining the green goal.

Abstract: A method, apparatus, computer-readable medium and system are disclosed for providing a computerized algorithm for customizing products and/or services provided to a user. The products and/or services may be related to banking and/or accounts. In some embodiments, a device may access and analyze historical information associated with a user. Based at least in part on the analysis, the device may determine whether the user has an option to customize a product or service, such as terms or conditions associated with a product or service offering. When the user has the option to customize the product/service, the device may transmit a recommendation to the user, where the recommendation comprises a suggested value to be associated with the product/service.

Abstract: An enhanced relationship server may analyze the relationship of an individual, group, and/or organization with respect to an entity. Based on this analysis, the enhanced relationship server may determine a relationship level of the individual, group, and/or organization with respect to the entity. The determined relationship level may be used to provide an appropriate incentive to maintain a relationship with the entity and/or strengthen an existing relationship with the entity. In addition, the enhanced relationship server may determine a social network of the individual, group, and/or organization and may use the social network as an aid in determining the appropriate reward/incentive.

Abstract: According to some embodiments, an account management system comprises a processor coupled to a memory. The memory is operable to store account information associated with an account. The processor is operable to communicate to a potential contributor a link to a webpage, wherein the webpage comprises account information identifying the account and request information identifying an amount of a funds request, the beneficiary of the account, and a purpose for the funds request. The processor is operable to receive a response to the funds request indicating an outcome of the funds request and manage the account based on the outcome of the funds request.

Abstract: A method determines a network value of a customer by collecting a first set of customer data from one or more social networks in which the customer is a member, where the first set of customer data is indicative of a number and quality of each of a plurality of connections within the one or more social networks. The method then collects a second set of customer data, where the second set of customer data includes data available to an entity based on prior interactions between the entity and the customer and analyzes, using a processing device, the first set of customer data and the second set of customer data. Then the method determines, using a processing device, the network value of the customer based at least in part on the analysis of the first set of customer data and the second set of customer data.

Abstract: A computer system processes transaction data about a customer's purchase. The computer system may access green index data that includes information about environmentally green purchases for green purchases. Based on comparing the green index data and the transaction data, an award may be provided to the customer in accordance with at least one purchase criterion, such as the purchase price and/or the degree of greenness of the purchased item. The account data for the customer is consequently updated for the award. The green index data may be derived by obtaining a list of candidate merchants and by comparing characteristics of a candidate merchant with at least one green factor. The candidate merchant may then be included in the green index data when a merchant score is greater than a predetermined score, where the merchant score may be based on the green characteristics of the candidate merchant.

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.