Abstract: This disclosure provides systems and methods for matching a customer with a service representative. A request for service can be received from a customer. A first service interaction can be initiated between the customer and a first service representative. A customer sentiment metric can be determined during the first service interaction. The customer sentiment metric can indicate a level of customer satisfaction during the first service interaction. A second service representative suitable for fulfilling the customer's request for service can be identified, based at least in part on the customer sentiment metric. A second service interaction can be initiated between the customer and the second service representative, responsive to the identification of the second service representative.

Abstract: A user computing device comprises a network interface, an input/output (“I/O”) device, an imaging device, and a processing circuit storing instructions that cause a processor to receive a set of user photographs, determine an emotive state of the user in each of the photographs in the set of user photographs, categorize each of the photographs based on the determined emotive states of the user where each of the photographs is categorized into at least one of a user positive emotion category and a user negative emotion category, receive spending behavior data indicative of a spending behavior of the user, generate an advertisement based on the received spending behavior data where the advertisement includes a photograph from the set of user photographs categorized within at least one of the user positive emotion category and the user negative emotion category, and present the advertisement to the user via the display device.

Abstract: Systems and methods are described for facilitating payments and transactions using social background checks. Such systems and methods may use social networks with both individual members communicating over a network to a social authentication computing system. The authentication of transactions associated financial institutions are determined through the use of relationship measures based on social media interactions. Transactions and services available to a user are determined based on a measure of social identity through the use of social media platforms. Available contact and interaction data from one or more social media platforms is leveraged to analyze a level of trust that a transaction is not a consequence of fraudulent activity. Transactions that have a low level of risk of being a consequence of fraudulent activity are benefited through faster transaction times and other improvements.

Abstract: A method comprising: receiving, from an augmented reality (AR) device, visual data representing a view through a viewing area of the AR device; determining, based on the visual data, a product identifier associated with the visual data; generating recommendation data based on the product identifier, comprising: discovering an item and a timeline associated with purchasing the item; comparing a user defined budget, a price of the item, purchase data associated with a purchase of an object included in the visual data, and an account of the user to determine an affordability value, wherein the affordability value indicates whether the purchase of the object prevents the user from purchasing the item in accordance with the timeline and the budget; and generating the recommendation data based on the affordability value; and sending the recommendation data to the AR device to cause the AR device to display the recommendation data.

Abstract: A user mobile device includes a network interface, an input/output (“I/O”) device configured to exchange data with a user, the I/O device including a display device configured to present a graphical user interface to the user, an imaging device configured to generate image data; and a processing circuit. The processing circuit comprising a memory and a processor. The memory stores instructions that cause the processor to receiver user photograph data including multiple photographs of the user, determine an emotive state of the user in each of the photographs, categorize each photograph into at least a user positive emotion category and a user negative emotion category, receive spending behavior data, generate a user spending alert based on the spending behavior data including a photograph from at least one of the user positive emotion category and the user negative emotion category, and present the spending alert to the user.

Abstract: Systems and methods are described for facilitating payments and transactions using social background checks. Such systems and methods may use social networks with both individual members communicating over a network to a social authentication computing system. The authentication of transactions associated financial institutions are determined through the use of relationship measures based on social media interactions. Transactions and services available to a user are determined based on a measure of social identity through the use of social media platforms. Available contact and interaction data from one or more social media platforms is leveraged to analyze a level of trust that a transaction is not a consequence of fraudulent activity. Transactions that have a low level of risk of being a consequence of fraudulent activity are benefited through faster transaction times and other improvements.

Abstract: Systems, methods, and apparatuses for negotiating a suboptimal savings plan include a financial strategy database storing information associated with an optimal savings plan and at least one suboptimal savings plan, an account information database storing information associated with a financial account held by a customer, and a processing circuit. The processing circuit is structured to identify an opportunity for a suboptimal savings plan relating to the customer, receive information associated with a financial account held by the customer, generate a set of potential suboptimal savings plans based on the received information, provide the customer with the set of potential suboptimal savings plans, and set an accepted suboptimal savings plan as an active savings plan in response to the customer selecting one of the potential suboptimal savings plans.

Abstract: Systems and methods are described for facilitating payments and transactions using social background checks. Such systems and methods may use social networks with both individual members communicating over a network to a social authentication computing system. The authentication of transactions associated financial institutions are determined through the use of relationship measures based on social media interactions. Transactions and services available to a user are determined based on a measure of social identity through the use of social media platforms. Available contact and interaction data from one or more social media platforms is leveraged to analyze a level of trust that a transaction is not a consequence of fraudulent activity. Transactions that have a low level of risk of being a consequence of fraudulent activity are benefited through faster transaction times and other improvements.

Abstract: This disclosure provides systems and methods for matching a customer with a service representative. A request for service can be received from a customer. A first service interaction can be initiated between the customer and a first service representative. A customer sentiment metric can be determined during the first service interaction. The customer sentiment metric can indicate a level of customer satisfaction during the first service interaction. A second service representative suitable for fulfilling the customer's request for service can be identified, based at least in part on the customer sentiment metric. A second service interaction can be initiated between the customer and the second service representative, responsive to the identification of the second service representative.

Abstract: A user mobile device includes a network interface, an input/output (“I/O”) device configured to exchange data with a user, the I/O device including a display device configured to present a graphical user interface to the user, an imaging device configured to generate image data; and a processing circuit. The processing circuit comprising a memory and a processor. The memory stores instructions that cause the processor to receive, by at least one of the network interface, I/O device, and imaging device, data indicative of spending behavior of the user, generate a user spending alert based on the received data, the user spending alert including a user photograph, and present, via the display device, the user spending alert to the user.