Abstract: A vehicle occupant identity system or device for facilitating a merged vehicle identity comprising one or more passenger identities is described along with a financial institution computing system. The device is integrated in the vehicle or is a separate device positioned in or on the vehicle. The device identifies and authenticates one or more individuals inside the vehicle or in close proximity. In some arrangements, the device adjusts restrictions and permissions related to using the vehicle depending on the identity of the occupants. In some arrangements, the occupant identity device uses an additional source of information to detect the reason for the trip inside the vehicle and adjusts storing of historical information along with adjusting restrictions and permissions. In some arrangements, the device stores financial information associated with the identities of the occupants of the vehicle allowing for payment of goods or services received from a merchant.

Abstract: Systems, methods, and apparatuses for detecting, capturing, and tracking financial transactions are provided. A method of detecting, capturing, and tracking includes registering, by a user device, a virtual cash register with the user device, wherein the registration includes associating the virtual cash register with a financial account; detecting, by the virtual cash register via the user device, a potential financial transaction using at least one of paper and coin currency; extracting, by the virtual cash register via the user device, financial transaction data regarding the potential financial transaction; generating, by the virtual cash register, a report regarding the financial transaction data; and providing, by the virtual cash register, the report to a predefined location.

Abstract: Systems, methods, and apparatuses for detecting, capturing, and tracking financial transactions are provided. A method of detecting, capturing, and tracking includes registering, by a user device, a virtual cash register with the user device, wherein the registration includes associating the virtual cash register with a financial account; detecting, by the virtual cash register via the user device, a potential financial transaction using at least one of paper and coin currency; extracting, by the virtual cash register via the user device, financial transaction data regarding the potential financial transaction; generating, by the virtual cash register, a report regarding the financial transaction data; and providing, by the virtual cash register, the report to a predefined location.