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.