A computing system facilities live and robo-advising sessions, and transitions therebetween based on detection of triggers. The computing system may extract voice inputs of a user from ambient sounds captured using a sound sensor. Based on an analysis of the voice inputs and detection of corresponding triggers, the computing system may initiate a robo-advising session, or a live communication session between a user computing device and an advisor computing device. Detection of another trigger during the robo-advising session or the live communication session may lead to a transition to a live communication session or a robo-advising session, respectively.

Media, methods, and systems are disclosed for applying a computer-implemented model to a table of computed values to identify one or more anomalies. One or more input forms having a plurality of input form field values is received. The input form field values are automatically parsed into a set of computer-generated candidate standard field values. The set of candidate standard field values are automatically normalized into a corresponding set of normalized field values, based on a computer-automated input normalization model. An automated review model controller is applied to automatically identify a review model to apply to the set of normalized field values, based on certain predetermined target field values. The automatically identified review model is then applied to the set of normalized inputs, and in response to detecting an anomaly, a field value is flagged accordingly.

Systems and methods which provide shipping management system shipping documentation generation operation which spawns intelligent generation subprocesses are described. The intelligent generation subprocesses of embodiments facilitate autonomous shipping documentation generation functionality of a concatenated shipping documentation generation process. A user may initiate a shipping documentation generation process, whereby an intelligent generation subprocess is spawned, and thereafter the user may be freed to perform one or more independent operation and/or interaction with the shipping management system. One or more verifications, checks, warnings, and/or the like are suspended and one or more parameter, input, selection, and/or the like are defaulted for operation of an intelligent generation subprocess of embodiments. Embodiments implement a documentation queue to provide historical information with respect to intelligent generation subprocess operation.

An intelligent item receptacle, system, and method for providing supplemental media content in response to depositing an item having media indicia disposed thereon. An intelligent item receptacle includes an item receptacle securely enclosing an interior volume, an item sensor configured to detect an inserted item, a camera within the interior volume configured to capture an image of the item, and an output configured to play audio or visual content to bystanders outside the item receptacle. Processing circuitry within the item receptacle analyzes the image to determine if the media indicia are present on the item and, if present, causes the output to play the audio or visual content associated with the media indicia.

A system and method for settling of a transaction is provided. The system includes a server arrangement having a rules based engine and a meta-object system comprising a runtime utility engine configured to compile multiple meta-object instances, wherein the server arrangement is configured to receive a lump sum payment proposal from the user, the lump sum payment proposal comprising only that amount the user is presently willing to pay, process information comprising the lump sum payment proposal according to the rules, and present a second transaction settlement offer set to the user including the lump sum payment proposal and a plurality of offers limited to a plurality of installment payment options with no further immediate payment offered beyond the lump sum payment proposal.

Methods and systems are described for setting a risk management limit to be applied to authorized purchase transactions for a payment card account. In an embodiment, a payment card issuer sets a risk management limit to be applied to authorized purchase transactions for a payment card account, receives an authorization request for a first purchase transaction, determines that the payment card account is within a threshold amount of the risk management limit, and transmits a warning message to a mobile telephone of the account holder that the risk management limit is imminent. Next, the payment card issuer computer receives a second authorization request for a second purchase transaction, determines that the payment card account now exceeds the risk management limit and that no contact has been received from the account holder, and then suspends the payment card account pending contact from the account holder.

Systems and methods for determining a transaction location based on transaction history data include storing, in a database, transaction history data related to a plurality of account holders, storing, in a database, location data for a plurality of locations, wherein each of the plurality of locations is associated with a respective merchant store location, receiving, via a network, transaction data associated with one of the plurality of account holders' recent transaction, obtaining, using a processor, the location data for a plurality of locations, retrieving, using a processor, transaction history data associated with the account holder from a transaction history data store associated with a financial institution, creating transactions clusters based on the transaction history data, analyzing a location associated with each of the transaction clusters and the location data, and determining a predicted transaction location based on the analysis of the one or more transaction clusters and the location data.

A method of controlling at multiple customer sites with separate metering electrical devices to control consumption of electricity in an electricity supply web made up of multiple electricity using customers that is over laid on a physical network, comprising the steps of: acquiring a budget for electrical energy for use in a predetermined time period; monitoring real-time use of electrical energy by electrical devices in the overlay web; comparing real-time use of electrical energy with the budget; and sending a control signal to at least one electrical device in the overlay web, based on the comparison, in order to increase or decrease electrical load so that total energy use in the predetermined time period is balanced with the budget. Also disclosed is an apparatus for controlling at least one electrical device in an electricity supply web made up of multiple electricity using customers.

Systems and methods are presented by which a contractor can initiate a proposed variation to a project contract and request payments against the proposed variation even before the variation is approved by the other party to the project contract. A data structure representative of proposed variation is generated and maintained as the proposed variation is reviewed, approved, and elevated to become part of the actual budget for the project. Because the same data structure is maintained throughout the process and after the proposed variation is approved, payment requests, payments, and any other actions taken against the data structure before the proposed variation is approved are automatically linked to the actual budget after approval and, thereby, are recognized and processed by external accounting systems as though the variations were created by the other party to the contract.

Systems and methods include a database maintained by a financial institution that stores transaction data associated with a previous financial transaction performed via a financial account of a respective account holder, wherein the transaction data comprises a transaction location and a transaction timestamp, a spend memory processor of the financial institution that retrieves the transaction data from the database, interacts with a social linking application programming interface (API) to receive, via a network, social data from a social networking site, wherein the social data comprises a social location and a social timestamp, compares the social data to the transaction data, and creates a spend memory record based on one or more similarities between the social data and the transaction data, and a communication interface of the financial institution that provides the spend memory record to a mobile device associated with the account holder.