The present disclosure relates to apparatus and methods that allow a Parent or other designated guardian to provide an educational shopping experience to a Child within parameters that protect the Child and Parent. The Parent may indicate a price and details related to the Child's experience, including an event, an amount spent, and an teaching environment engages. Implementations may include a downloadable or pre-installed app, an API or other executable code.

In one embodiment, a predictive contextual transaction scoring system receives transaction review data associated with person-to-person transactions from a marketplace, the transaction review data including feedback information relating to the person-to-person transaction. The system identifies contextual characteristics of the person-to-person transactions by analyzing the feedback information related to the person-to-person transactions. The system pairs a first party requesting a service to a second party providing the requested service by matching a contextual characteristic of the first party to a contextual characteristic of the second party. The system also predicts a transaction score for a new person-to-person transaction involving the first party and the second party, and provides the predicted transaction score to the marketplace to facilitate pairing of the first party requesting the service.

A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal including digital wallet pass data; store the digital wallet pass data in association with an account; monitor location data and data associated with a value card account to identify a notification event; responsive to identifying the notification event, generate a notification based on the digital wallet pass data; and send, via the communication module and to the computing device, a signal causing the computing device to display the notification.

A system for verifying a user operating an Automated Teller Machine (ATM) sends an authentication media item to a user device associated with the user when the ATM receives a transaction request. The system receives, from the ATM, a first image of the authentication media item when the authentication media item is presented to the ATM. The system compares the first image of the authentication media item with a second image of the authentication media item stored in a user profile associated with the user. The system extracts a first unique code from the first image of the authentication media item, and a second unique code from the second image of the authentication media item. The system determines whether the first unique code corresponds to the second unique code. The system approves the transaction request if it is determined that the first unique code corresponds to the second unique code.

Techniques for transferring control of a system-user dialog session are described. A first speechlet component may interact with a user until the first speechlet component receives user input that the first speechlet component cannot handle. The first speechlet component may output an action representing the user input. A system may determine a second speechlet component configured to execute the action. The system may send the second speechlet component a navigator object that results in the second speechlet component handling the user interaction that the first speechlet component could not handle. Once the second speechlet component is finished processing, the second speechlet component may output an updated navigator object, which causes the first speechlet component to either further interact with a user or cause a current dialog session to be closed. The system may additionally maintain a data structure representing calling speechlet components and called speechlet components associated with the session.

Systems and methods for providing embedded banking services are disclosed. In one embodiment, a method for providing embedded banking services on an electronic device may include (1) a computer program executed by an electronic device comprising a computer processor generating a request to enable embedded banking services for a financial institution on the electronic device; (2) the computer program communicating the request to a host for the electronic device; (3) the computer program receiving a secure token and an encryption key from one of the host of the electronic device and the financial institution; (4) the computer program storing the secure token and encryption key in secure storage of the electronic device; and (5) the computer program enabling embedded banking services on the electronic device.

A system for validation of healthcare provider bills includes obtaining an image of the bill on a mobile device which uses optical character recognition to resolve the patient identity, provider identity and amount due as alphanumeric characters. The system also receives adjudicated claims data from insurance companies in a non-standardized format. A claims conversion server converts the adjudicated claims data to a standardized machine-readable format. The standardized adjudicated claims data and provider bill are validated against each other in real-time so the patient can make payment in an accurate amount without having to first receive and decipher an EOB form.

Aspects discussed herein may relate to techniques for authenticating a user using transaction-based authentication questions. The transaction-based authentication questions may be generated based on a subset of available financial data. Refund transactions and their related transactions may be identified within the available financial data. Data from the refund transactions and their related transactions may be excluded from being used to generate transaction-based authentication questions. In turn, the transaction-based authentication questions are less likely to confuse the user and are more likely to be memorable to the user. Consequently, the likelihood that the user answers the transaction-based authentication question incorrectly is reduced, thereby avoding delays related to the authentication processes that may frustrate the user.

A system for protecting the privacy of consumer assets. The system may include a web-based interface. The web-based interface may include an entity-facing side and a consumer-facing side. The system may include an internal processing executable executing on a processor. The internal processing executable may be obscured from and inaccessible to, both the entity-facing side and the consumer-facing side. The entity-facing side of the web-based interface may prompt the user to provide opt-in permission, receive profile data from the consumer, generate a record for the consumer, enter a minimum asset amount and initiate a funds verification process for the consumer. The consumer-facing side of the web-based interface may receive opt-in permission and receive asset data. The executable may execute a query using on the one or more assets using existing financial rails and/or new financial rails.

Aspects discussed herein may relate to techniques for authenticating a user using transaction-based authentication questions. The transaction-based authentication questions may include one or more “false answer” merchants as potential answers. The false answer merchant choices may exclude any merchant that the user conducted a transaction with using a financial account that is not the financial account for which the user requires authentication. In turn, the false answer merchant choices that are presented to the user are less likely to confuse the user. Consequently, the likelihood that the user answers the transaction-based authentication question incorrectly is reduced, thereby avoiding delays related to the authentication processes that may frustrate the user.