Abstract: Embodiments of the present disclosure include systems and methods for tracking physical work activity by, for example, embedding sensors in items of work clothing. The physical activity data that is tracked by the sensors may be correlated with and compared to known physical activity data to determine the type of work function that corresponds to the physical activity data. Based on this, actual performance of the work function may be compared to the idealized version of the work function to, for example, grade the performance of the work function, identify specific deficiencies in the performance of the work function, recommend modifications to performance of the work function, and so forth.

Abstract: Methods and systems described herein are directed to controlling access to and the distribution of credit information. A credit information access manager can maintain accounts for users and third party accessors wishing to access user credit information. The credit information access manager to generate an identifier to authorize a third party's access to a user's credit information, which can be associated with one or more deauthorization conditions. When the third party requests access to a user's credit information with the identifier, the credit information access manager can determine whether the identifier is valid or expired based on the one or more deauthorization conditions. The credit information access manager can automatically and dynamically revoke identifier to limit a user's exposure to identity theft and financial crimes.

Abstract: Methods and systems described herein are directed to verifying a caller's identity during a phone call by exchanging sub-audible tones between two parties to a phone call. A code, password, or other message can be embedded within telephone audio signals as sub-audible tones, which can be used to facilitate a verification process. The combined audio signal that includes sub-audible tones can be analyzed by a receiving device to extract an embedded code or message. Aspects of cryptographic schemes can be implemented using sub-audible tones—such as time-based one-time passwords (TOTP) and handshakes—which verify the identity of a party to a call. Based on the outcome of the verification process, the user can be notified whether verification was successful.

Abstract: A risk analysis system is configured to collect and monitor sensor data associated with a user to generate an insurance policy or recommend products/services that may be better suited for the user based on the user's gameplay data, fitness data, streaming data, outdoor activity data, location data, etc. The risk analysis system is configured to correlate all the sensor data and control operations of devices to discourage behavior that may increase risk of an accident or other suitable insurance liabilities.

Abstract: A method and system for managing and providing emergency access to one or more secured resources including a replacement mobile phone, credit card, and cash. The embodiments provide a system that authenticates users based on presentation of a pre-registered tracking device. Authentication can be performed by a physical kiosk stationed in a building or outside. In one example, the system can read the identifier data provided by the tracking device and trigger an automated dispensing of the secured resource. In the case where a new mobile phone is provided to the user, a personalization process can be implemented in which the new phone is automatically pre-configured for the user's individual experience by importing the user's stored personalization data and preferences.

Abstract: Members of a limited member organization can be validated, and certain data can be publicly shared and confirmed. A member of the organization may be part of a company, and validation data related to the member and/or company can be analyzed to validate the member company. Once validated, a credential can be issued. The credential can be used to secure access to a data structure for the member company which stores public and private data. For example, a request to access the public data can include an identifier, and the public data can be returned when the identifier is authenticated to match the issued credential. Implementations grant access to a third-party marketplace by securing a portion of the data structure using a credential issued to the marketplace. The third-party marketplace can store marketplace data in the data structure, which can be used to update the validation.

Abstract: A health management system includes one or more processors configured to receive sensor data from one or more sensors disposed at a residence of a user. The sensor data is indicative of one or more conditions at the residence. The one or more processors are configured to determine a health of the user based on the one or more conditions, determine one or more actions configured to improve the health of the user based on the one or more conditions, and provide, via a device of the user, a notification indicative of the one or more actions.

Abstract: A risk analysis system is configured to collect and monitor sensor data associated with a user to generate an insurance policy or recommend products/services that may be better suited for the user based on the user's gameplay data, fitness data, streaming data, outdoor activity data, location data, etc. The risk analysis system is configured to correlate all the sensor data and control operations of devices to discourage behavior that may increase risk of an accident or other suitable insurance liabilities.

Abstract: A user authorization device (or UAD) physically connected to a user's router to aid in the authentication of the user. A bank server polls the user's router to verify that the UAD is connected to the router before granting the user the capability to perform transactions on the user's account that would be otherwise restricted. The bank server implements a set of policies designed by the user that require the UAD to be present for some transactions with the account to be performed. The presence of this device thus adds an extra layer of security to such financial transactions beyond the use of a username and password.

Abstract: A user identification system includes one or more processors configured to receive a first indication of a vehicle identity of a vehicle at an entrance of a location and retrieve a user profile associated with the vehicle identity from a user profile database. The user profile includes one or more user identities of one or more users authorized to enter the location. The one or more processors are configured to receive a second indication of a current user identity of a current user positioned in the vehicle, determine that the current user identity corresponds to a particular user identity of the one or more user identities, and output a control signal indicative of instructions to enable access to the location in response to the current user identity corresponding to the particular user identity.

Abstract: Implementations selectively message member account data to client applications to reduce server load. When a monitored load on cloud servers meets a criteria, a hold status may be triggered. During the hold status, member accounts may be monitored and client applications may be transmitted push messages, for example when a change is detected in a member's monitored account. The push messages can contain the detected changes, such as a posted transaction that triggered the message. Implementations of the client application can be configured to display local data (stored from the push messages) during the hold status in response to a member's request to access/view their account. Because server to client communication is limited to messages that contain member account changes, an overall server load can be reduced.

Abstract: Methods and systems described herein are directed to verifying a caller's identity and/or authorizing a caller's access to an account using a third party designated agent. A caller verification system can register an agent in association with an account holder's user account with an organization. When a caller attempts to access the account holder's user account during a phone call with a representative from the organization, the caller verification system can automatically request that the agent verify the caller's identity. In some implementations, the caller verification system can bridge or conference in the agent to the phone call to allow the agent to verify the caller's identity and indicate to the representative that the caller's identity matches that of the account holder. The caller verification system can also receive verification messages from the agent via text message, email, HTTP request, or other digital means.

Abstract: Aspects of the present disclosure are directed to techniques to simulate conditions while progressing towards a goal state using token conversions. Tokens can be assets associated with a defined goal and can be implemented to segment accounts for a defined purpose and to improve user planning. An account can be segmented by converting a portion of the user's account balance to tokens to progress towards the goal. In some implementations, a simulation can generate a target token conversion schedule that achieves a target number of tokens at a target date. However, user behavior can change the observed token amounts and cause deviations from the schedule. The simulations can alter the token conversion schedule and arrive at a new target date for the target number of tokens. In some implementations, automated agents and machine learning components can be used to implement the token tracking and simulations.

Abstract: A sensitive area activity monitoring system is provided. A non-intrusive sensor that does not provide image, video, or audio data is used to capture data in a sensitive area that is associated with an activity. The sensor data is logged and provided to a downstream service tasked with personalizing the service based upon the logged data.

Abstract: The embodiments disclosed herein use WiFi signals detected from nearby WiFi networks to confirm the identity of a bank's customer logging in to his or her account at the bank. Specifically, the customer's computing device may detect signals from neighboring WiFi networks. The bank may then verify that the customer's accounts are being accessed from the customer's home or office by comparing the list of neighboring WiFi networks to a previously stored list of the neighboring networks. If the lists match, it is probable that the customer's accounts are being accessed from the customer's home or office, thus reducing the possibility that a fraudulent actor is trying to access the customer's accounts.

Abstract: A system comprising a plurality of sensor devices configured to acquire data related to a property and a processor configured to receive the data from the plurality of sensor devices and identify one or more hazardous conditions for the property based on the data. The processor is further configured to determine an amount of risk associated with the one or more hazardous conditions and initiate verification operations to confirm the one or more hazardous conditions in response to determining that the amount of risk associated with the one or more hazardous conditions exceeds a first threshold value.

Abstract: Aspects of the present disclosure are directed to techniques to simulate conditions while progressing towards a goal state using token conversions. Tokens can be assets associated with a defined goal and can be implemented to segment accounts for a defined purpose and to improve user planning. An account can be segmented by converting a portion of the user's account balance to tokens to progress towards the goal. In some implementations, a simulation can generate a target token conversion schedule that achieves a target number of tokens at a target date. However, user behavior can change the observed token amounts and cause deviations from the schedule. The simulations can alter the token conversion schedule and arrive at a new target date for the target number of tokens. In some implementations, automated agents and machine learning components can be used to implement the token tracking and simulations.

Abstract: Implementations selectively message member account data to client applications to reduce server load. When a monitored load on cloud servers meets a criteria, a hold status may be triggered. During the hold status, member accounts may be monitored and client applications may be transmitted push messages, for example when a change is detected in a member's monitored account. The push messages can contain the detected changes, such as a posted transaction that triggered the message. Implementations of the client application can be configured to display local data (stored from the push messages) during the hold status in response to a member's request to access/view their account. Because server to client communication is limited to messages that contain member account changes, an overall server load can be reduced.

Abstract: A user authorization device (or UAD) physically connected to a user's router to aid in the authentication of the user. A bank server polls the user's router to verify that the UAD is connected to the router before granting the user the capability to perform transactions on the user's account that would be otherwise restricted. The bank server implements a set of policies designed by the user that require the UAD to be present for some transactions with the account to be performed. The presence of this device thus adds an extra layer of security to such financial transactions beyond the use of a username and password.

Abstract: A system and method for authenticating a user's computing device that has submitted a request for the transfer of funds from the user's account at a financial institution. An authentication server at the financial institution compares currently received identifying data to previously stored identifying data, then makes a determination as to whether to approve the request for the transfer of funds. The identifying data may include a snapshot of apps or of lists of items installed on the user's computing device.