Abstract: Systems, methods, and computer-readable storage media for performing a peer-to-peer (P2P) transfer by a third-party, where a method includes receiving transfer information and a first token including sender information of a sender and a second token including receiver information of a receiver, and validating the first token and the second token based on verifying both the sender and the receiver are registered with the real-time payment system. The method includes processing the first token and the second token based on determining a sender endpoint, a receiver endpoint, and a demand deposit account of the sender, and transmitting a request for a guarantee, the request for the guarantee including the sender endpoint and the demand deposit account of the sender. The method includes receiving an issued guarantee, transferring funds based on the transfer information, the first token, and the second token, and transmitting a transfer confirmation.

Abstract: Examples described herein relate to apparatuses and methods for providing an interactive computer simulation of a life of a user via a user device operated by the user by determining a goal of the user, accessing a transaction history of the user, determining an initial state of the user based on the transaction history of the user, determining a virtual path to the goal, the initial state of the user being a starting point of the virtual path to the goal, configuring the user device to display the virtual path of the goal, determining that the user has selected at least one of selectable in-simulation decisions, updating the virtual path to generate an updated virtual path based on the selected at least one of the plurality of selectable in-simulation decisions, and configuring the user device to display the updated virtual path.

Abstract: Examples described herein relate to determining an actual, updated goal of a user based on emotional response data captured while an initial goal is visualized or otherwise perceived by the user, including determining an initial goal of a user, displaying an initial video depicting the initial goal, tracking, with an emotion-tracking device, emotions of the user while the video is displayed by the output circuit by determining emotional response data captured by the emotion-tracking device, updating the initial goal based on the emotional response data to determine an updated goal, and displaying the updated goal.

Abstract: Systems and techniques for goal optimized process scheduler are described herein. A set of processes may be obtained from a plurality of process engines. Process data may be identified for each member of the set of processes. Goal data may be obtained for a goal. The goal data may indicate elements for attainment of the goal by completion of one or more processes of the set of processes. A process schedule may be generated for the set of processes based on the goal data. The process schedule may be optimized through removal of processes from the process schedule by comparison of the process data to the goal data. The optimized process schedule may include a linear organization of processes for attainment of the goal. An optimized process schedule workflow may be created for display on a user interface of a computing device.

Abstract: Examples described herein relate to determining an actual, updated goal of a user based on emotional response data captured while an initial goal is visualized or otherwise perceived by the user, including determining an initial goal of a user, displaying an initial video depicting the initial goal, tracking, with an emotion-tracking device, emotions of the user while the video is displayed by the output circuit by determining emotional response data captured by the emotion-tracking device, updating the initial goal based on the emotional response data to determine an updated goal, and displaying the updated goal.

Abstract: Systems, methods, and non-transitory computer-readable media for performing exchanges. One method includes receiving a request identifying a payor account and an amount of funds to transfer an account associated with a customer of the depository bank computing system, determining the request qualifies for a non-inquiry transaction (NIT) protocol, transmitting, by the depository bank computing system to an account verification service computing system over the real-time data channel, a guarantee offer including a payor account token based on the shared account status information, receiving, over the real-time data channel and from the account verification service computing system, an accepted guarantee offer, crediting an account of the customer, receiving, over the real-time data channel, a guarantee override, and reversing the transfer of funds associated with the guarantee.

Abstract: A method of performing an off-us deposit with reversal is provided. The method includes receiving, by a depository bank computing system associated with a depository bank, a request identifying an amount of a transfer of funds from a paying bank, different from the depository bank, into an account associated with a customer of the depository bank. The method further includes crediting, by the depository bank computing system, the account of the customer of the depository bank by the amount of the transfer of funds. The method further includes determining, by the depository bank computing system, a need for a reversal of the transfer of funds from the account of the customer of the depository bank. The method further includes reversing, by the depository bank computing system, the transfer of funds from the account of the customer by the amount of the transfer of funds.

Abstract: Various examples described herein are directed to systems and methods for sentiment data retrieval. A customer is recognized and customer data associated with the customer is retrieved based on the recognizing the customer. A relationship with the customer is determined based on the customer data. Input data associated with the customer is received from an input device. A sentiment analysis is run on the input data. A customer need based on the sentiment analysis, the customer data, and the determined relationship is determined. Customer data associated with the customer need is retrieved and provided.

Abstract: Systems and techniques for automated voice assistant personality selector are described herein. A task may be identified that is to be completed by a user of a voice-enabled virtual assistant. A response may be output in connection with the task using a default personality for the voice-enabled virtual assistant selected based on the task. A task completion checkpoint may be determined for the task. It may be identified that the task completion checkpoint has not been reached. A personality profile of the user may be compared to personality data of a set of voice-enabled virtual assistant profiles corresponding to respective members of a set of available voice personalities for the voice-enabled virtual assistant. An escalation personality may be selected for the voice-enabled virtual assistant based the comparison and the task. Commands for facilitating user completion of the task may be transmitted via the voice-enabled virtual assistant using the selected escalation personality.

Abstract: Examples described herein relate to determining an actual, updated goal of a user based on emotional response data captured while an initial goal is visualized or otherwise perceived by the user, including determining an initial goal of a user, displaying an initial video depicting the initial goal, tracking, with an emotion-tracking device, emotions of the user while the video is displayed by the output circuit by determining emotional response data captured by the emotion-tracking device, updating the initial goal based on the emotional response data to determine an updated goal, and displaying the updated goal.

Abstract: Systems and techniques for voice enabled assistant for community demand fulfillment are described herein. A community of user devices may be identified that are registered with a voice-based supply and demand matching service. A supply of an item may be determined based on first user audio collected from a first user device of the community of user devices. A demand for the item may be determined based on second user audio collected from a second user device of the community of user devices. An indication of the supply may be transmitted to a user of the second user device.

Abstract: A method of performing a real-time non-inquiry electronic transaction is provided. The method includes receiving, by a paying bank computing system associated with a paying bank, a posting of a transaction from an account verification service, the transaction corresponding to a transfer of funds from the paying bank computing system to a depository computing system associated with a depository bank. The method further includes sending, by the paying bank computing system, an acknowledgement of the transaction to the account verification service, wherein the transaction is determined to be a non-inquiry transaction such that the transaction is posted at the depository bank computing system without performing an initial inquiry regarding the transaction at the account verification service.

Abstract: Various examples described herein are directed to systems and methods for analyzing conversation data to determine a meeting is needed. A plurality of attendees for the meeting is determined. Calendar information for each of the plurality of attendees is retrieved. A common meeting date and time is determined based on the calendar information and the conversation data. A physical location for each of the plurality of attendees at the common meeting date and time is determined. A physical location within a building for the meeting is determined based on the physical location for each of the plurality of attendees. A building access list is updated with the plurality of attendees for the common meeting date and time.

Abstract: A computer-implemented system and method receive information regarding a funds transfer from a payor to a payee. The information includes a data payload related to the funds transfer. The information is received by a depository computer system. The depository computer system forwards the information regarding the funds transfer to an account verification service computer system. The information, including the data payload, is transmitted by via the account verification service computer system to the paying bank for use by the payor.

Abstract: Examples described herein relate to apparatuses and methods for providing an interactive computer simulation of a life of a user via a user device operated by the user by determining a goal of the user, accessing a transaction history of the user, determining an initial state of the user based on the transaction history of the user, determining a virtual path to the goal, the initial state of the user being a starting point of the virtual path to the goal, configuring the user device to display the virtual path of the goal, determining that the user has selected at least one of selectable in-simulation decisions, updating the virtual path to generate an updated virtual path based on the selected at least one of the plurality of selectable in-simulation decisions, and configuring the user device to display the updated virtual path.

Abstract: Systems and techniques for goal optimized process scheduler are described herein. A set of processes may be obtained from a plurality of process engines. Process data may be identified for each member of the set of processes. Goal data may be obtained for a goal. The goal data may indicate elements for attainment of the goal by completion of one or more processes of the set of processes. A process schedule may be generated for the set of processes based on the goal data. The process schedule may be optimized through removal of processes from the process schedule by comparison of the process data to the goal data. The optimized process schedule may include a linear organization of processes for attainment of the goal. An optimized process schedule workflow may be created for display on a user interface of a computing device.

Abstract: Systems and techniques for voice enabled assistant for community demand fulfillment are described herein. A community of user devices may be identified that are registered with a voice-based supply and demand matching service. A supply of an item may be determined based on first user audio collected from a first user device of the community of user devices. A demand for the item may be determined based on second user audio collected from a second user device of the community of user devices. An indication of the supply may be transmitted to a user of the second user device.

Abstract: Systems and techniques for automated voice assistant personality selector are described herein. A task may be identified that is to be completed by a user of a voice-enabled virtual assistant. A response may be output in connection with the task using a default personality for the voice-enabled virtual assistant selected based on the task. A task completion checkpoint may be determined for the task. It may be identified that the task completion checkpoint has not been reached. A personality profile of the user may be compared to personality data of a set of voice-enabled virtual assistant profiles corresponding to respective members of a set of available voice personalities for the voice-enabled virtual assistant. An escalation personality may be selected for the voice-enabled virtual assistant based the comparison and the task. Commands for facilitating user completion of the task may be transmitted via the voice-enabled virtual assistant using the selected escalation personality.

Abstract: Systems and techniques for automated voice assistant personality selector are described herein. A task may be identified that is to be completed by a user of a voice-enabled virtual assistant. A response may be output in connection with the task using a default personality for the voice-enabled virtual assistant selected based on the task. A task completion checkpoint may be determined for the task. It may be identified that the task completion checkpoint has not been reached. A personality profile of the user may be compared to personality data of a set of voice-enabled virtual assistant profiles corresponding to respective members of a set of available voice personalities for the voice-enabled virtual assistant. An escalation personality may be selected for the voice-enabled virtual assistant based the comparison and the task. Commands for facilitating user completion of the task may be transmitted via the voice-enabled virtual assistant using the selected escalation personality.

Abstract: Systems and techniques for dynamic micropayment fee selector are described herein. A transaction stream may be obtained from an electronic transaction processing service. A transaction velocity of a set of transactions that correspond to a user account of the electronic transaction processing service included in the transaction stream may be calculated for a first period of time. A fee tier data structure may be generated based on the transaction velocity. A fee tier of the fee tier data structure may be applied to the user account. An indication of the applied fee tier and an electronic representation of the fee tier data structure may be transmitted to a device associated with the user account.