Systems, apparatuses, methods, and computer program products are disclosed for an enhanced authentication using a super passkey. An example method includes receiving a user operation request from a user device and determining an authentication passkey requirement set comprising one or more authentication passkey requirements required for authentication of the user operation request. The example method further includes performing an authentication routine to determine whether to authenticate the user operation request. The authentication routine includes authenticating a digital signature provided by the user device using a public cryptographic key of a passkey for the user account and determining whether current user device data satisfies the one or more authentication passkey requirements. In an instance in which the user operation request is successfully authenticated, the example method further includes performing an operational routine associated with the operation request type for the user account.
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
A method performed by a transaction machine includes receiving a request for payment of a bill issued by a third party to a third party customer, generating a user interface to receive an input activating a cash deposit mechanism of the transaction machine based on the input, receiving the cash deposit by the cash deposit mechanism, generating a plurality of graphical user interfaces (GUIs) where each GUI of the plurality of GUIs is associated with the bill, determining a sequence of the plurality of GUIs associated with the bill based on at least one of the cash deposit or the input, adjusting the sequence of the plurality of GUIs based on at least one of one or more user actions or a type of the bill being paid, and transmitting a payment notification to the third party computing system associated with the bill.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
At least one aspect of this disclosure is directed to method of scraping, by a first computing system, one or more first data sources of the first computing system, and one or more second data sources of one or more external computing systems, to compile a first dataset, standardizing, by the first computing system, the first dataset to generate a standardized dataset, applying, by the first computing system, a first artificial intelligence (AI) algorithm to assign labels to data entries of the standardized dataset, compiling, by the first computing system, the standardized dataset having the labels assigned to the respective data entries in a database, receiving, by an AI interface of the first computing system, a query from a computing device, and generating, by the first computing system, a response to the query for delivering via the AI interface to the computing device.
A system for authorizing sharing of content comprises a processing circuit to receive user content of a user based on the availability of the user content prior to an enrollment of the user where the user content includes a first content item, storing the user content, receiving newly provided content comprising a second content item, determining that the second content item is duplicative of the first content item, removing either the first content item or the second content item, receive a content share request from a third-party for user content, and authorize the third-party to receive user content retained by the one or more processing circuits, wherein the authorization comprises a limitation on the retained user content.
Methods and systems of managing payment cards are disclosed. A computing system can receive, via a graphical user interface presented on a computing device, instructions to enable or disable a first token of one or more tokens associated with a corresponding merchant. The computing system can receive, from the computing device, data corresponding to a point of sale device that is proximate to the computing device. Based on the data corresponding to the point of sale device, the computing system can cause display, on the graphical user interface of the computing device, of an image selected according to the data.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06F 3/0481 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
G06F 3/0482 - Interaction with lists of selectable items, e.g. menus
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
G07F 17/32 - Coin-freed apparatus for hiring articlesCoin-freed facilities or services for games, toys, sports, or amusements
Disclosed are systems and method of mapping data entries originating in different systems. A plurality of data entries from different systems are normalized such that they can be compared to each other and mapped, even though the data entries are defined by data fields with differing phrases, descriptive details, and lengths of detail. Data entries may be filtered according to data fields before a mapping operation is employed for mapping. The mapping operation evaluates similarity scores based on the data fields using a combination of exact matching algorithms, dictionary matching algorithms, and text mining algorithms. The mapped data entries and data fields are displayed to a user.
A method for initiating a provisioning of payment account information to a mobile wallet includes displaying, by an initiating device in communication with a provider computing system, a user interface configured to initiate the provisioning information regarding one or more payment accounts; receiving, by the initiating device via the user interface, authentication information to authenticate a user associated with the mobile wallet; receiving, by the initiating device from the provider computing system, account information for provisioning to the mobile wallet, the account information identifying eligible payment accounts retrieved by the provider computing system based on the authentication information; displaying, by the initiating device, a list of identifiers of the eligible payment accounts for provisioning; and receiving, by the initiating device via the user interface, a selection of an identifier of a payment account from the list for provisioning information regarding the payment account to the mobile wallet.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
8.
SYSTEMS AND METHODS FOR AUTOMATICALLY DERIVING DATA TRANSFORMATION CRITERIA
Systems, apparatuses, methods, and computer program products are disclosed for automatically deriving data transformation criteria. An example method includes receiving, by communications circuitry, a source dataset and a target dataset and identifying, by a model generator, a target variable. The example method further includes training, by the model generator, a decision tree for the target variable using the source dataset and the target dataset such that the trained decision tree can predict a value for the target variable from new source data. The example method further includes deriving, by a derivation engine, a set of parameters and pseudocode for producing the target variable from the source dataset.
G06F 16/25 - Integrating or interfacing systems involving database management systems
G06F 18/214 - Generating training patternsBootstrap methods, e.g. bagging or boosting
G06F 18/2415 - Classification techniques relating to the classification model, e.g. parametric or non-parametric approaches based on parametric or probabilistic models, e.g. based on likelihood ratio or false acceptance rate versus a false rejection rate
Systems, apparatuses, methods, and computer program products are disclosed for selecting a quantum circuit. An example method includes identifying, by communications hardware, a set of input attributes. The example method also includes determining, by quantum circuit selection circuitry, a set of quantum circuit selection criteria based on the set of input attributes. The example method also includes choosing, by the quantum circuit selection circuitry, a quantum circuit design from a collection of pre-determined quantum circuit designs and based on the set of quantum circuit selection criteria. The example method also includes generating, by quantum circuit generation circuitry, a quantum circuit for the chosen quantum circuit design. The example method also includes outputting, by the communications hardware, the generated quantum circuit.
An example computer system for ingesting data from multiple sources. The example computer system comprises one or more processors; and non-transitory computer-readable storage media encoding instructions which, when executed by the one or more processors, causes the computer system to: receive, from a plurality of data sources, data entries, the plurality of data sources including an external computing device and an application programming interface; determine an application for use of the data entries; transform the data entries for storage in a database; curate a history record of the data entries stored in the database; and refine the data entries for use with the application.
G06F 21/55 - Detecting local intrusion or implementing counter-measures
G06F 21/54 - Monitoring users, programs or devices to maintain the integrity of platforms, e.g. of processors, firmware or operating systems during program execution, e.g. stack integrity, buffer overflow or preventing unwanted data erasure by adding security routines or objects to programs
11.
SYSTEMS AND METHODS FOR A TRANSACTION CARD HAVING A CUSTOMER-SPECIFIC URL
A method, apparatus, and system of activating and using a contactless card are disclosed. A transaction card includes a contactless enabled chip storing a near-field communication (“NFC”) tag and an application that enables a payment via the transaction card. The NFC tag includes stored information separate from the application including customer identity information. The contactless enabled chip is configured to: receive, via a contactless communication between the contactless enabled chip and a user device, a random bit string and a request for the customer identity information; determine a cryptographic algorithm; encrypt, according to the cryptographic algorithm and using the random bit string, an information package to generate a bit sequence; embed the bit sequence into a general uniform resource locator (“URL”) to create a customer-specific URL; and wirelessly transmit the NFC tag containing the customer-specific URL to the user device.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06F 16/955 - Retrieval from the web using information identifiers, e.g. uniform resource locators [URL]
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
H04B 5/72 - Near-field transmission systems, e.g. inductive or capacitive transmission systems specially adapted for specific purposes for local intradevice communication
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
H04L 67/02 - Protocols based on web technology, e.g. hypertext transfer protocol [HTTP]
This disclosure describes techniques for collecting and storing data about how synthetic data is created by a data generation model. In one example, this disclosure describes a method that includes generating, by a computing system and based on a source dataset, a plurality of synthetic data items; storing, by the computing system, metadata about how the plurality of synthetic data items were generated; outputting, by the computing system, a user interface presenting information about the plurality of synthetic data items; detecting, by the computing system and based on interactions with the user interface, a request to present information about one or more specific synthetic data items included in the plurality of synthetic data items; and outputting, by the computing system based on the metadata and responsive to the request, an updated user interface presenting information about how the one or more specific synthetic data items were generated.
A provider computing system includes one or more processing circuits including one or more processors coupled to one or more memory devices having instructions stored thereon that, when executed by the one or more processors, cause the one or more processors to determine a user track for a user using one or more machine learning models. The instructions further cause the one or more processors to identify one or more features to provide to the user based on the user track. The instructions further cause the one or more processors to generate a user interface including the one or more features. The instructions further cause the one or more processors to cause the user interface to be displayed to the user.
A system includes a processor and a storage medium storing instructions that cause the processor to define a first set of account controls including first permissions and first restrictions for a first user of a first customer account; define a second set of account controls including second permissions and second restrictions for a second user of the first customer account; monitor a behavior of the first customer account; automatically select an account management plan from a plurality of account management plans based on the monitored behavior of the first customer account; transmit a notification to the first user and the second user indicating that the first set of account controls are adjusted; receive an input comprising a dismissal of the notification or a selection of a response option; generate a control signal to adjust the first set of account controls, and automatically adjust the first set of account controls.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
15.
SYSTEMS AND METHODS FOR CUSTOMIZING AUTHENTICATION CREDENTIALS FOR A PAYMENT CARD
A method includes storing a plurality of personal identification identifiers for authenticating transactions; receiving a first request to modify a first personal identification identifier including (i) the first personal identification identifier and (ii) a replacement personal identification identifier provided via a graphical user interface; authorizing the first request to modify the first personal identification identifier by authenticating an authentication credential; and, responsive to authorizing the first request to modify the first personal identification identifier, replacing the first personal identification identifier with the replacement personal identification identifier, such that the replacement personal identification identifier is associated with the payment card account and a restriction previously associated with the first personal identification identifier.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
A method performed by a computing system includes generating an encryption key pair, providing a first encryption key of the encryption key pair to a mobile device of a user where the first encryption key is for generating a cryptogram for authentication of a transaction, receiving a transaction request associated with a rewards account of the user including the cryptogram, authenticating the transaction request as being provided by the mobile device of the user using a second encryption key of the encryption key pair and the cryptogram, determining a currency conversion value of a rewards balance where the currency conversion value is based on a multiplier that is activated based on a location of the mobile device, and determining that the currency conversion value of the rewards balance is sufficient to complete the transaction request.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
17.
SYSTEMS AND METHODS FOR USING MACHINE LEARNING FOR MANAGING APPLICATION INCIDENTS
Disclosed herein are systems and methods for using machine learning for managing application incidents. An embodiment takes the form of a method that includes receiving extracted data pertaining to one or more applications. Model-input data is generated from the extracted data. Model-output data is generated at least in part by processing the generated model-input data with one or more machine-learning models trained to make one or more application-incident predictions. Based at least in part on the model-output data, an application-incident-likely determination is made that a likelihood of an occurrence of an application incident exceeds an application-incident-likelihood threshold, where the application incident corresponds to a given application of the one or more applications. Responsive to making the application-incident-likely determination, one or more alerts of the likelihood of the occurrence of the application incident are output.
Systems and techniques may generally be used to receive, at a server, from an agent device of an agent, a first login request to access a first routing platform separate from the server. An example technique may include authenticating the agent device, requesting a first session start with the first routing platform, receiving, from the first routing platform, a first response, and sending to the agent device a first indication that the first login is complete. The example technique may include receiving, from the agent device, a second login request to access a second routing platform separate from the server and separate from the first routing platform, requesting a second session start with the second routing platform, receiving, from the second routing platform, a second response to the second session start request, and sending, to the agent device, a second indication that the second login is complete.
Systems and methods for proportionate allocation. The systems and methods include generating a pool table including pools. Each of the pools includes a set of records such as a loan identifier, account identifier, investor identifier, pool identifier, and amount identifier. For each of the pools, unallocated values are determined by summing each amount identifier within the pool having a null loan identifier and comparing the unallocated value against a pro rata threshold. If the unallocated value exceeds the pro rata threshold, the method includes generating, for each record, a credit pro rata value and allocating the credit pro rata value to each loan identifier within the pool. Otherwise, if the unallocated value is less than or equal to the pro rata threshold, the method includes generating, for each record, a debit pro rata value and allocating the debit pro rata value to each loan identifier value within the pool.
A method includes authenticating an account holder via an automated teller machine (ATM) based on identification information, identifying an event associated with the account holder, and delivering a gift to the account holder via the ATM based on the account holder accessing the ATM at a time occurring within a time window associated with the event.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 30/0226 - Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
Systems, apparatuses, methods, and computer program products are disclosed for preparation of a quantum state encoding an approximate normal distribution (QSEAND) in a set of qubits. An example method includes initializing the set of qubits by preparing the set of qubits in an initial quantum state. The example method also includes encoding the approximate normal distribution in the quantum state of the set of qubits, wherein encoding the approximate normal distribution comprises preparing the set of qubits to be in a quantum state representing a plurality of Fourier coefficients, and applying an inverse quantum Fourier transform to the set of qubits in the quantum state representing the plurality of Fourier coefficients to obtain the QSEAND. The example method also includes utilizing the QSEAND, wherein the utilization alters or transfers the QSEAND.
Disclosed herein is a workflow for a chatbot system based on an ad hoc set of documents. The chatbot enables users to ask questions of these documents. The workflow then searches for relevant information and generates a response. The response may include an answer to a question and a relevant section of a document.
Systems, apparatuses, methods, and computer program products are disclosed for improving efficiency and performance of a modeling system. An example method for automatically adjusting a machine learning model in response to a decline in performance of the machine learning model caused by a change in exogenous context includes determining a set of context-relevant variables from a silent variable set that are relevant to the change in exogenous context. The example method also includes training the machine learning model by activating a fewest number of context-relevant variables from the set of context-relevant variables that exhibit a mitigation of the decline in performance of the machine learning model. The example method also includes generating, after training the machine learning model, a first predictive output of the machine learning model that indicates an outcome projected to occur as a result of the change in exogenous context.
A mobile device includes a processor and a memory coupled to the processor. The memory has a client application including instructions executable by the processor to cause the processor to: receive a user input to access the client application; identify a first transaction card and a second transaction card held by the user, where the first transaction card is activated and the second transaction card is deactivated; present an interface to the user including a first depiction of the first transaction card and a second depiction of the second transaction card, where the second depiction includes a contrasting aspect relative to the first depiction; and receive an input to activate the second transaction card thereby (i) tokenizing the second transaction card and (ii) reducing or removing the contrasting aspect of the second depiction to indicate an activation of the second transaction card.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
25.
BILLER CONSORTIUM ENROLLMENT AND TRANSACTION MANAGEMENT ENGINE
A method for coordinating billing requests and payments across different financial institutions includes receiving an electronic enrollment request by a biller exchange computing system from a customer computing device, transmitting the customer authentication data to a remote computing system, causing the remote computing system to generate a customer-biller account authentication token that authorizes the biller exchange computing system to perform financial transactions with the biller on behalf of the customer, and authenticating, by the biller exchange computing system, a transaction request received from the customer computing device for a transaction between the customer and the biller based on the customer-biller account authentication token by receiving billing information, identifying the customer-biller account authentication token based on the billing information, and transmitting an electronic bill including the customer-biller account authentication token.
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
26.
SYSTEMS AND METHODS FOR SMART CARD ONLINE PURCHASE AUTHENTICATION
A method of authenticating a transaction includes receiving, by a computing system, an authentication request regarding the transaction including an authentication code from a user device and payment information regarding a payment card. The authentication code includes a cryptogram provided to the user device by a smart card via a first short-range wireless communication between the user device and the smart card. The user device receives the payment information by an input via a graphical user interface. The method includes authenticating the transaction by decoding the authentication code to reveal card information associated with the smart card and the cryptogram, validating the cryptogram by determining it was generated by the smart card, and verifying that the payment card is the smart card by determining that the payment information at least partially matches the card information. The method includes transmitting, based on authenticating the transaction, an authentication approval for the transaction.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
27.
SYSTEMS AND METHODS FOR PROTECTING THE IDENTITY OF USERS AND ENTITIES
Methods, systems, and computer-readable medium for protecting the identity of users and entities. One method includes receiving an identity pass request for a user, receiving at least attributes associated with the user, transmitting an authentication request for at least one verifiable credential of the user, and receiving the at least one verifiable credential. The method includes generating an identity pass including a set of identity tokens and the at least one verifiable credential. The method includes generating a GUI, receiving a data request, verifying the verifiable credential, and determining a first subset of the attributes corresponding with protected information and a second subset of the attributes corresponding with unprotected information. The method includes accessing a data storage storing the identity pass and transmitting the unprotected information to satisfy the request, or, permitting access to the unprotected information to satisfy the request. The method further includes updating a usage log.
Methods, systems, and computer-readable medium for protecting the identity of users and entities. One method includes receiving an entity profile request, receiving a plurality of attributes associated with one or more members of the entity, and receiving/identifying a plurality of access credentials of the one or more members of the entity. The method includes generating an entity profile including a plurality of member identity passes, generating a GUI including a representation of the entity profile, and receiving a request and at least one of the plurality of access credentials. The request is for an exchange or providing at least one of the plurality of attributes. The method includes verifying that access credentials correspond to an access level to perform the request, accessing a data storage, transmitting or permitting access to information to satisfy the request, and updating a usage log.
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
29.
SYSTEMS AND METHODS FOR ONTOLOGY-BASED SECURITY REMEDIATION
Systems, apparatuses, methods, and computer program products are disclosed for ontology-based security remediation. An example method includes receiving first system data associated with a first system, wherein the first system data includes operational data and context data. The example method also includes determining, based at least on the operational data and a security ontology, that the first system is undergoing a security issue that corresponds to a historical security issue associated with a second system. The example method also includes identifying, based on the security ontology, a solution implementation based on the historical issue. The example method also includes generating a modified solution implementation based at least on the context data. The example method also includes performing an action set for the first system based at least on the modified solution implementation.
A system for scrubbing contact information is provided. First data for an individual is received from a first source. The first data has content and a first value. Second data for the individual is received from a second source. The second data has the content and a second value different from the first value. Reconciled data is generated by assigning a tag to the first and second data and comparing the first value with the second value. Reconciled data is also generated by changing the first or second value to the other of the first or second value such that values for the first and second data are consistent. The reconciled data is sent to a consent engine for scrubbing. The reconciled data is scrubbed based on the tag. The scrubbed data is then sent to the first and second sources.
Systems and methods may generally include creating a notification scheme for alerting delegates for a user. An example method includes creating a data store including one or more delegates associated with one or more intervention alert trigger events. Transaction data may be received and based on the transaction data and the trigger events, one or more triggered events may be determined. Based on the triggered events(s), notification messages may be transmitted to one or more particular delegates and response message(s) may be received. In some examples, priority data may be received setting how individual delegates receives notifications or setting how notification messages are transmitted to multiple delegates associated with the same triggered event.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
32.
USING MODEL-BASED TREES WITH BOOSTING TO FIT LOW-ORDER FUNCTIONAL ANOVA MODELS
Systems, apparatuses, methods, and computer program products are disclosed for training a GAMI-Tree model. An example method includes initializing an iterative prediction model and performing a required number of model training iterations. For each model training iteration, the method further includes (i) performing a required number of main-effect gradient boosting iterations of a main-effect gradient boosting routine, (ii) generating a plurality of qualified input feature pairs, and (iii) performing a required number of interaction-effect gradient boosting iterations of a interaction-effect gradient boosting routine. The method further includes generating the GAMI-Tree model based on the iterative prediction model generated by a final interaction-effect gradient boosting iteration of a final model training iteration.
Systems and methods are directed to securing network access using a digital gate constructed by position-aware compute beacons that form a beacon mesh. A compute beacon in the beacon mesh, detects a request for access from a client device. In response, the beacon mesh, performs a validation process to validate that the client device is located within a digital gate formed by the beacon mesh. The validation process includes detecting, by at least three compute beacons within the beacon mesh, a received signal strength indicator (RSSI) from the client device; triangulating a position of the client device based on the RSSI; and determining whether the position of the client device is within the digital gate. Based on a result, the compute beacon provides a reply to the client device either comprising a challenge request or a session rejection. Subsequently authentication of the client device results in network access.
An example computer system for live threat modeling for an enterprise can include: one or more processors; and non-transitory computer-readable storage media encoding instructions which, when executed by the one or more processors, causes the computer system to: prepare abstracts for applications associated with the enterprise to form a threat model; monitor development phases of the applications; and apply the threat model to the applications during each of the development phases to identify risk.
G06F 21/57 - Certifying or maintaining trusted computer platforms, e.g. secure boots or power-downs, version controls, system software checks, secure updates or assessing vulnerabilities
A method performed by a provider computing system includes training one or more artificial intelligence (AI) models to generate task prompts, generating a task prompt using the one or more AI models, generating an interaction board accessible by the customer via a customer device, receiving an indication that the customer pre-task has been completed prior to a customer interaction, updating the interaction board to indicate that the customer pre-task has been completed prior to the customer interaction.
A computing system includes a processing circuit configured to: receive information associated with a web page and a category type of a third party system; extract a content item; determine the category type matches a category of a plurality of categories stored in a database; retrieve, from the database, at least one image or video associated with the category; receive a selection of a graphical representation of the third party system on a first graphical user interface (GUI) rendered by a user device; generate a second GUI including at least the extracted content item and the at least one image or video retrieved from the database, the at least one image or video to reflect a difference between a first value and a second value associated with the third party system; and, transmit data corresponding to the second GUI for rendering on the user device.
Parsing unstructured data files using configuration-driven techniques. The process involves receiving a configuration file that defines patterns and rules, including logical page definitions, introduction section definitions, header column definitions, and data locator definitions. A page parser divides the unstructured data file into logical pages. An introduction parser extracts introduction and header sections from each page. A data processor extracts data objects from data sections, ensuring data continuity across pages. The processed data objects are stored in a database for analysis and retrieval. The configuration file may be generated using a machine-learning algorithm trained on various unstructured data files and corresponding configuration files.
Systems, apparatuses, methods, and computer program products are disclosed for generation of a user biosignature. An example method includes extracting user data from a data environment, wherein the user data is associated with a user. The example method further includes analyzing the user data, wherein the user data comprises one or more data types, wherein the one or more data types comprise at least metadata and biometric data. The example method further includes determining a character classification associated with each of the one or more data types based on the analyzed user data, wherein the character classification comprises a primary character classification and a secondary character classification. The example method further includes generating a user biosignature based on the determined character classification, and outputting the generated user biosignature.
An example method includes receiving a network graph and selecting a first network node from the set of network nodes. The example method further includes computing a difficulty score based on the difficulty for an attacker to compromise a second network node in an instance in which the attacker compromises the first network node and computing a cumulative difficulty score for the attacker to compromise the second network node based on a set of difficulty scores for the first network node and each other network node from the set of network nodes. The example method further includes adding the second network node to a set of blast radius nodes and determining a total vulnerability score for the first network node based on the set of blast radius nodes.
Methods, apparatuses, and computer program products are disclosed for account verification. An example method includes receiving a request for payment transmission from a payment provider device and generating a first verification element for a payment destination device associated with the request for payment transmission. The method further includes transmitting the first verification element to the payment destination device via a first real-time payment message. In an instance in which the computing device receives responsive authorization from the payment destination device, the method includes verifying the payment destination device. In response to verifying the payment destination device, the method includes transmitting a first real-time payment to the payment destination device. In an instance in which the computing device fails to receive responsive authorization from the payment destination device, the method includes transmitting a verification failure notification to the payment provider device.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
42.
SYSTEMS AND METHODS FOR PROXIMITY-BASED TRANSACTION LIMIT THRESHOLD OVERRIDE
A method may include receiving, using a processing unit at a service endpoint, from a first computing device a request to initiate a transfer from a first account to a second account, the request identifying a transfer amount; determining, using the processing unit, that the transfer amount exceeds a stored threshold transfer limit; receiving an identifier associated with the second account; subsequent to the determining, receiving, using the processing unit, an indication that a geographic location override action has been completed between the first computing device and a second computing device, the second computing device stored as associated with the second account; and in response to receiving the indication, increasing the threshold transfer limit between the first computing device and second computing device for a period of time and authorizing the transfer.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
A computer system and method for enabling or disabling a payment vehicle at the request of a payment card holder from a remote device. The computer system comprises a computer having memory and a processor for processing input data received from a remote device. The input data comprises an instruction executable by the processor in a form of a text message or electronic mail received from the remote device, with the instruction to enable or disable a payment card of a payment card holder by changing the status of the payment card. An interactive remote interface computer software application is provided to the payment card holder for use on the remote or other device.
Systems, methods, and devices provide a user experience capable of integrating robo-advising with human advising based on various inputs that are actively detected. Inputs from a conversation, or multiple conversations separated in time, may be analyzed to determine, based on voice inputs, that live communications should be initiated. Based on triggers identified, a robo-advising session may additionally or alternatively be initiated. Transitions between advising sessions may be facilitated to allow users to more efficiently employ robo-advising until human advising is triggered.
An example embodiment includes one or more processors configured to execute computer executable instructions stored in a memory to determine a device property of a mobile device including a location of the mobile device using a geographic positioning system detection component, select a security mode for the mobile device based on a device property where a high security mode is selected when the mobile device is located in a first location, and a low security mode is selected when the mobile device is located in a second location where the second location is specified as part of a preference associated with a user account associated with the mobile device, and selectively provide a visualization on a user interface that masks a portion of the visualization in the high security mode and does not mask the portion of the visualization in the low security mode.
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
46.
SYSTEMS AND METHODS FOR ATTRIBUTE BASED ACCESS CONTROL ON A DATA LAKE
Systems and methods for attribute based access control on a data lake. The systems and methods include receiving a data file and metadata associated with the data file, storing the data file in a database and storing the metadata in a data catalog. The metadata is assigned a domain access configuration and an attribute access configuration. The systems and methods further include receiving a query for the data file from a user, where the user is assigned a persona, where persona comprises a permission level. Syntax of the query is evaluated in addition to access to the query through steps including evaluating the permission level of the assigned persona against the domain access configuration and evaluating the permission level of the assigned persona against the attribute access configuration. In response to determining that the query fails to satisfy one or more of the evaluations, the query is then rejected.
Systems, apparatuses, methods, and computer program products are disclosed for generating representative training data. An example method includes comparing, by data analysis circuitry, a labeled dataset to a target dataset. The example method also includes generating, by training data circuitry, a training dataset based on the comparison, wherein the training dataset comprises at least a portion of the labeled dataset supplemented by a synthetic dataset. The example method also includes training, by modeling circuitry, a model using the training dataset.
Disclosed are approaches for computationally-efficient data promulgation among devices in a network. Structured databases may comprise standardized and immutable bytes, each byte linked to a unique data field, a mutable state element, and a mutable activation element. The state element may indicate that there has been a mutation as well as a recency of the mutation. The activation element may indicate whether data pushes and/or data pulls are enabled. The state elements are configured to automatically mutate if there is a mutation in a corresponding unique data field. Each device in the network may transmit API calls as state-element requests to other entity devices in a network. The API call includes at least one byte, without any values in corresponding data fields. State elements are promulgated among devices, without sharing the data fields themselves. An optional central system maintains a record of state elements without storing data field values.
Systems, methods, and non-transitory media for invoking account open functionality via encoded data transmission are disclosed. A service provider computing system can receive access to an application programming interface (API) of an institution computing system. The API is configured to invoke account open functionality. The service provider computing system can provide, to a user device, a website or application configured to facilitate transmission of encoded data to the service provider computing system. The service provider computing system can receive the encoded data from the user device and transmit the encoded data to the institution computing system via the API to invoke the account open functionality of the institution computing system. The encoded data can be configured such that it cannot be decoded by the service provider computing system but can be decoded by the institution computing system.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
A method for a key management server to manage encryption for data stored by a cloud provider server includes receiving, by the key management server from the cloud provider server, a request for a drop key. The request includes a hash drop identifier that uniquely identifies a cipher drop, and the cipher drop comprises a unit of data stored by the cloud provider server. The method further includes generating the drop key based on at least the hash drop and the drop identifier and encrypting the drop key. A response comprising the encrypted drop key is sent to the cloud provider server.
H04L 9/06 - Arrangements for secret or secure communicationsNetwork security protocols the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
Systems, methods, and computer-readable storage media for interest allocation to math based currency (MBC) at a financial institution. One method includes storing a plurality of private and public key pairs in a pooled account key storage associated with a total amount of MBC. The method further includes tracking an association of an amount of MBC with each of a plurality of MBC accounts of a plurality of customers stored on an overlay ledger. The method further includes calculating an amount of interest earned on an amount of MBC. The method further includes updating a first entry of the overlay ledger. The method further includes purchasing an additional amount of MBC associated with a private and public key pair. The method further includes transferring the private and public key pair into the pooled account key storage.
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
A method performed by a provider computing system includes receiving a payment request from a merchant computing system for a transaction between a merchant and a customer where the payment request a first amount associated with the transaction, determining a currency conversion value for the number of rewards points based on a merchant multiplier that is activated based on a location of the customer, determining the number of rewards points in the rewards account is not enough to cover the first amount associated with the transaction, transmitting to the merchant computing system a partial authorization message, receiving a modification to the payment request comprising a second amount associated with the transaction, and transmitting an approval message to the merchant computing system based on the number of rewards points in the rewards account being sufficient to cover the second amount.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 30/0207 - Discounts or incentives, e.g. coupons or rebates
G06Q 30/0238 - Discounts or incentives, e.g. coupons or rebates at point-of-sale [POS]
A method may include executing a knowledge graph database query to a knowledge graph database storing properties of entities; receiving a set of tuple results in response to the executing identifying a set of entities and a set of relationships that connect the set of entities in the knowledge graph database; presenting a UI including a graph presentation area that includes: graphical representations of the set of entities in the set of tuple results; and links connecting the representations of the entities according to the set of relationships; performing a classification validation test against the set of tuple results identifying classification properties for entities in a chain of related entities in the knowledge graph database; determining that the chain meets the classification properties for the entities in the chain in the classification validation test; and in response, updating a presentation style of the graphical representations of the set of entities.
Techniques discussed herein describe an example system for verifying the identity and location of a customer in a bank branch parking lot. A server determines whether to provision a service for a vehicle based on telemetry data received from a telemetry module on the vehicle in a fleet of vehicles. The telemetry data includes a first location and status information of the vehicle. The server identifies a vendor to provide the service and directs the vehicle to a second location of the vendor from the first location of the vehicle. The server provides authorization to the vehicle for an on-board transaction module to initiate a request for the service when the vehicle is at the second location of the vendor.
G06Q 20/30 - Payment architectures, schemes or protocols characterised by the use of specific devices
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06V 20/56 - Context or environment of the image exterior to a vehicle by using sensors mounted on the vehicle
H04W 4/46 - Services specially adapted for particular environments, situations or purposes for vehicles, e.g. vehicle-to-pedestrians [V2P] for vehicle-to-vehicle communication [V2V]
In one arrangement, a non-transitory computer readable media having computer-executable instructions embodied therein that, when executed by at least one processor of a computing system, cause the computing system to process an electronic transaction using a schema. The schema includes a first unique entity object identifier identifying a sender, a second unique entity object identifier identifying a receiver, and a first transaction object identifier identifying the transaction. The first transaction object identifier is located at a top level of a hierarchy of a plurality of transaction object identifiers. The schema further includes transaction information comprising the first unique entity object identifier, the second unique entity object identifier, and the unique transaction object identifier.
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
An example system includes a processing circuit enabled to receive an offer from an experience provider computing system for a subset of data of a first user that is not currently shared with the experience provider based on a permission set, provide an offer interface corresponding to the offer to a user computing device associated with a second user, reconfigure the permission set based on receiving an input indicating that the second user accepts the offer on behalf of the first user, generate an access token that serves as a proxy to the permission set associated with the experience provider, provide the generated access token to the experience provider computing system, receive a subsequent request for data of the first user from the experience provider computing system where the subsequent request including the generated access token, and provide data of the first user based on the access token.
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
Systems, apparatuses, methods, and computer program products are disclosed for generating and prioritizing goal-based action sets. An example method includes receiving, by communications hardware, a goal dataset comprising a plurality of user-selected goals including a first user-selected goal. The method also includes determining, by a prioritization engine, an action dataset comprising a plurality of actions to be performed by a user to achieve the first user-selected goal, and determining, by the prioritization engine and using a first model, a first prioritization of the plurality of actions by ranking the plurality of actions based on respective utility values. The method also includes determining, by the prioritization engine, a second prioritization for the plurality of actions based at least on a user dataset associated with the user, and causing, by the communications hardware and via a first graphical user interface view, presentation of the plurality of actions according to the second prioritization.
A computer system for a rule engine service platform including one or more processors and non-transitory computer-readable storage media encoding instructions which, when executed by the one or more processors, causes the computer system to create a rule engine programmed to receive a business rule and generate a decision model modeling the business rule using decision model and notation; a decision service programmed to implement the decision model; and an administration and configuration service programmed to operate the rule engine.
Systems, apparatuses, methods, and computer program products are disclosed for establishing cryptographic keys shared among three or more devices. An example method includes generating a set of particles and an entangled particle triplet based on the set of particles. The example method further includes transmitting the first set of entangled particles to a first host device, the second set of entangled particles to a second host device, and the third set of entangled particles to a third host device, and making a determination whether the three sets of bits are matching, where the three sets of bits are derived from the three sets of entangled particles sent to the three host devices. The example method further includes establishing the cryptographic keys based on the matching sets of bits.
A method includes linking, by a mobile device, a token to an account such that the mobile device receives updates regarding the token; receiving, by the mobile device, an update regarding the account and (i) deactivating the token to prevent fund transfers utilizing the token and (ii) providing an alert regarding the update; reactivating, by the mobile device, the token based on an input from a user; receiving, by the mobile device, a request identifying the token for a fund transfer; and after the fund transfer, deleting, by the mobile device, the token to remove the token from the mobile device.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
61.
SYSTEMS AND METHODS FOR UNIVERSAL MACHINE LEARNING PIPELINE EXECUTION
Systems, apparatuses, methods, and computer program products are disclosed for automated model development. An example method includes parsing, by configuration circuitry, a configuration file, and generating, by an execution engine and based on the parsed configuration file, model code for training and testing a machine learning model. The example method further includes generating, by the execution engine, a machine learning pipeline, wherein the machine learning pipeline comprises the model code and a data processing engine, and instantiating, by a monitoring driver, a monitoring engine to monitor the machine learning pipeline. The example method further includes causing execution, by the execution engine, of the machine learning pipeline, and during execution of the machine learning pipeline, generating model performance data by the monitoring engine. The example method further includes receiving, by from the execution engine, model output data, wherein the model output data comprises a trained model and model performance data.
Examples described provide systems and methods provided that include creation of financial avatars in a metaverse representing an insured person, beneficiaries and beneficial activities to be carried out in the event of the insured person’s demise or other predefined trigger event. An intervener avatar executes all of the intended beneficial activities on behalf of the insured person to the rightful beneficiaries and/or integral products. Upon successful completion of the beneficial activity, the intervener avatar causes the financial avatars to be disintegrated or erased from the metaverse.
An example computer system for deploying one or more large language models, the computer system comprising: one or more processors; and non-transitory computer-readable storage media encoding instructions which, when executed by the one or more processors, causes the computer system to: manage deployment of one or more machine learning models; generate model configuration files, wherein the model configuration files implement the one or more machine learning models in one or more environments and provide a specification library used to configure the one or more machine learning models; determine scores of a performance of the one or more machine learning models in the one or more environments; and store the model configuration files that are used to deploy each corresponding machine learning model.
Management of mortgage insurance refunds. A navigable dashboard on a display device of a mortgage issuing institution provides customizable navigation of different mortgage insurance refunds that have been disbursed. Underlying the dashboard is a tool that determines discrepancies in refunds and/or calculates discrepancies between disbursement amounts for mortgage insurance refunds and expected disbursement amounts for those mortgage insurance refunds based on mortgage insurance refund polices of different mortgage insurance providers. The discrepancies can be navigated via the dashboard.
This disclosure describes techniques for performing data remediation. In one example, this disclosure describes a method that includes identifying a plurality of stale files; applying a classification model to each of the plurality of stale files; identifying a plurality of unclassified files, wherein each of the unclassified files is one of the plurality of stale files that the classification model was not able to classify with a confidence level that exceeds a threshold confidence level; updating the classification model, over a period of time, to generate an evolved classification model; applying the evolved classification model to each of the unclassified files; identifying a subset of the unclassified files that the evolved classification model was not able to classify with a confidence level that exceeds the threshold confidence level; and deleting each of the files in the subset of the unclassified files.
The arrangements described herein relate to a computing system configured to receive a file comprising text strings, determine a validity of information in the text strings using at least one ML model, in response to determining the validity of the information in the text strings, tokenize the file by generating a digital asset corresponding to the file, the token includes a pointer to the file, and record the digital asset on a distributed ledger database/blockchain.
The arrangements described herein relate to a universal resolver configured to receive, from a first blockchain registry associated with a first computing system, a first provider institution identifier of a first provider institution and a first user identifier of a user and receive, from a second blockchain registry associated with a second computing system, a second provider institution identifier of a second provider institution and a second user identifier of the user. A universal unique identifier is determined for the user based at least in part on the first provider institution identifier, the first user identifier, the second provider institution identifier, and the second user identifier. The universal unique identifier is recorded on a third distributed ledger database/blockchain.
The arrangements described herein relate to a computing system configured to receive, from a first blockchain registry associated with a first computing system, a first digital asset corresponding to a first version of a Machine Learning (ML) model and receive, from a second blockchain registry associated with a second computing system, a second digital asset corresponding to a second version of the ML model. The first version and the second version of the ML model are recorded in a third distributed ledger database/blockchain, and a champion model of the ML model is selected from the first version and the second version of the ML model.
The arrangements described herein relate to a computing system including at least one processor and at least one memory coupled to the at least one processor, the at least one processor is configured to tokenize a Machine Learning (ML) model by determining a first token for the ML model and at least one second token for intellectual property rights of the ML model. The first token includes a link to each of the at least one second token, and each of the at least one second token includes a link to the first token. The at least one processor is configured to tokenize training dataset used to train the ML model by determining a third token for the training data and record the first token, the at least one second token, and the third token on a distributed ledger database/blockchain.
Systems, apparatuses, methods, and computer program products are disclosed for handling an inbound call. An example method includes determining an active inbound call session with a user device associated with a user and determining a caller inquiry from a user statement received from the user over a voice channel. The example method further includes determining whether a digital channel interaction is capable of resolving the caller inquiry and in an instance in which the caller inquiry is resolvable by the digital channel interaction, generating contextual conversation data based on the caller inquiry. The example method further includes providing the contextual conversation data to the user device over a digital channel and causing the call status of the active inbound call session to remain unassigned.
Instant payment card replacement involves a computing device receiving a request to replace a user's payment card. The device receives and verifies identity information from a mobile wallet of the user. Upon verification, the device provisions and provides a physical payment card. The method may also include provisioning a digital payment method to the mobile wallet. Identity information can be received via Radio Frequency Identification or by scanning an encoded image, such as a QR code. The physical card can be printed from a blank card or an unallocated pre-printed card may be provided.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
An example computer system for automating an extension of field length in a database can include: one or more processors; and non-transitory computer-readable storage media encoding instructions which, when executed by the one or more processors, causes the computer system to: automatically determine when data in a first column of a table in the database exceeds a field length; define a chunk size for the data in the first column; create a second column in the table; break the data into a first portion to be stored in the first column and a second portion to be stored in the second column; and create a vector representing the data stored in the first column and the second column.
The present disclosure relate to exchanging information between a start node and an end node. Based on the information session keys for a connection comprising the start node, the end node, and at least one intermediate node are established. The session keys include a data encryption session key and a Message Authentication Code (MAC) session key. The data is encrypted using the data encryption session key at the start node. MAC is generated using the MAC session key. The encrypted data is relayed, via the at least one intermediate node, from the start node to the end node without the at least one intermediate node re-encrypting the data.
A computer system and method for managing device trust during digital interactions. The method comprises capturing device data, including static and dynamic parameters, from a device upon user login to a digital platform. Static parameters are analyzed during the initial login to establish a static trust score, while dynamic parameters are analyzed across sessions to establish a dynamic trust score, which is incrementally updated based on subsequent data. The static and dynamic trust scores are combined to generate a combined trust score, and the device is assigned to one of multiple risk clusters. Based on the assigned cluster, adaptive security protocols are triggered. Assignment to a moderate-risk cluster initiates a step-up authentication process, and failure of the process results in assignment to a high-risk cluster, restricting access to the platform.
Systems, apparatuses, methods, and computer program products are disclosed for handling a device action request. The example method includes receiving the device action request from a user device and determining an authorization rule set for the user device from a device profile of a device trust dashboard. The example method further includes determining a device trust score for the user device based on the device profile of the device trust dashboard and determining whether the authorization rule set is satisfied based on the device trust score.
Systems, apparatuses, methods, and computer program products are disclosed for handling a device action request. The example method includes receiving the device action request from a user device and determining an authorization rule set for the user device from a device profile of a device trust dashboard. The example method further includes determining a device trust score for the user device based on the device profile of the device trust dashboard and determining whether the authorization rule set is satisfied based on the device trust score.
The example method further includes determining that the user device is authorized to perform the device action request in response to determining that the authorization rule set is satisfied and performing an action flow that corresponds to the action request type based on the request information.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
Techniques discussed herein describe an example system for verifying the identity and location of a customer in a bank branch parking lot. A server determines whether to provision a service for a vehicle based on telemetry data received from a telemetry module on the vehicle in a fleet of vehicles. The telemetry data includes a first location and status information of the vehicle. The server identifies a vendor to provide the service and directs the vehicle to a second location of the vendor from the first location of the vehicle. The server provides authorization to the vehicle for an on-board transaction module to initiate a request for the service when the vehicle is at the second location of the vendor.
G06Q 20/30 - Payment architectures, schemes or protocols characterised by the use of specific devices
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06V 20/56 - Context or environment of the image exterior to a vehicle by using sensors mounted on the vehicle
H04W 4/46 - Services specially adapted for particular environments, situations or purposes for vehicles, e.g. vehicle-to-pedestrians [V2P] for vehicle-to-vehicle communication [V2V]
This disclosure describes techniques for client-controlled and secure disclosure of attestations of identifying information of subjects. For example, a method includes obtaining, by a computing system, identifying information associated with a subject. The method also includes generating, by the computing system and based on the identifying information associated with the subject, a decentralized identifier (DID) associated with the subject and one or more attested claims of the identifying information associated with the subject. The method further includes receiving, by the computing system and from the subject, a request to send the identifying information to one or more relying parties, and in response, recording, by the computing system, the DID in a verifiable data registry, and sending, by the computing system, the one or more attested claims to the one or more relying parties.
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
78.
PROTECTION ARCHITECTURE USING PROOF OF INTEGRITY ON DISTRIBUTED LEDGERS
Systems, methods, and computer-readable storage media for restricting exchanges using a proof of integrity model. One system includes memory and at least one processing circuit configured to receive, from a node on a first DLT network, an exchange request, the exchange request includes an amount of a digital asset to exchange, a content item, and a destination identifier. The at least one processing circuit is further configured to generate an exchange record and validate the exchange record in the amount of the digital asset based on a protection model. The at least one processing circuit is further configured to authorize, based on a consensus model, the exchange corresponding with the validated exchange record including the appended protection parameter. The at least one processing circuit is further configured to generate a new blockchain block on the first DLT network and transmit, to a second DLT network, an exchange notification.
G06F 21/45 - Structures or tools for the administration of authentication
H04L 9/00 - Arrangements for secret or secure communicationsNetwork security protocols
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
79.
SYSTEMS AND METHODS FOR AUTOMATED TELLER MACHINE REPLENISHING AND MERCHANT OPERATIONS
An automated teller machine (ATM) includes at least one processing circuit configured to: receive a product inventory dataset associated with one or more merchants; establish an active communication session with a user device via at least one short-range wireless communication between the user device and the at least one processing circuit; receive a selection of at least one interactive element regarding at least one product; receive a deposit for a value of the selection; generate at least one code or token that includes information encrypted using a private key of a public and private key pair, the at least one code or token being embedded with a unique identifier; and transmit, via the active communication session and to the user device, the at least one code or token for a transaction regarding the at least one product of the plurality of products.
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
Methods and systems for retrieving information from computing systems using access tokens are disclosed. A computing system can obtain a token identifying a second computing system that maintains a profile, and determine that the token is a valid token that permits access to one or more data records of the profile maintained by the second computing system. The computing system can parse the token to determine an access schedule for accessing one or more data records of the profile and retrieve, using the token, a subset of the one or more data records from the second computing system according to the access schedule. The computing system can generate an energy profile based on the subset of the one or more data records retrieved from the second computing system. The computing system can provide, for presentation at a client device, a user interface that displays information in the energy profile.
Systems and methods for structure electronic communications intermediation service including: receiving, from an external resource, a message; filtering the message based on a filtration protocol; identifying a first request within the message; managing a queue for the first request among a plurality of additional requests; identifying a first processing procedure of the first request; processing the first request per a first processing procedure based on an identified configuration of the first request; and transmitting the processed first request.
Systems, apparatuses, methods, and computer program products are disclosed for translating control instructions for a machine interface. An example method includes identifying a machine based on a machine identifier. The example method further includes selecting a machine-readable interface based on the machine identifier. The example method further includes generating control data comprising instructions to cause an executable action by the machine. The example method further includes causing execution of the control data by the machine. The example method may further include contacting an NFC sensor associated with the machine. The example method may further include scanning an indicia that is within a distance of the machine. The example method may further include generating request data indicating a user request to complete the executable action by the machine. The example method may further include generating the control data comprising instructions to navigate a user interface associated with the machine.
G06F 9/30 - Arrangements for executing machine instructions, e.g. instruction decode
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
An example computer system and method for managing and controlling personal data within a digital ecosystem is presented. The computer system includes one or more processors and non-transitory computer-readable storage media. The encoded instructions, when executed by the one or more processors, cause the computer system to: capture data related to interactions of a user with a first business application; encrypt the data and store the data in a data repository; enable the user to view and manage the data repository, including the ability to access, modify, and organize the data; allow the user to set and modify consent for data sharing and permissions for data usage with a second business application; and provide a federated gateway to facilitate secure sharing of the data with the second business application, while ensuring compliance with the permissions for data usage with the second business application.
Systems and techniques for secure communications and distribution of random values for cryptographic key generation, coordinated with the use of specific key generation parameters, are described. An example method includes: receiving a first random value and a second random value generated from at least one quantum random number generator (QRNG), with at least one of the first random value and the second random value being provided from a satellite communication; obtaining key generation parameters associated with cryptographic key generation, where the key generation parameters specify a specific combination of the first random value and the second random value; and generating a cryptographic key, using the specific combination of the first random value and the second random value, as a seed to a cryptographic function.
A computing system includes a memory; and processing circuitry in communication with the memory. The processing circuitry is configured to: receive a paraphrase comprising a paraphrase text sample corresponding to an original text sample; and calculate a paraphrase metric value corresponding to the paraphrase, wherein the paraphrase metric value is calculated based on an adequacy score, a novelty score, and a fluency score of the paraphrase, the adequacy score indicating an extent to which the paraphrase text sample preserves a meaning of the original text sample, the novelty score indicating a level of difference between words and characters of the paraphrase text sample and words and characters of the original text sample, and the fluency score indicating an extent to which the paraphrase text sample is devoid of repetition, spelling, and grammatical mistakes.
A method for authenticating a transaction includes: receiving, responsive to an occurrence of an event suspected to compromise a first security value associated with a transaction card, personal identification information associated with a user of the transaction card; authenticating, via a transaction device and using the personal identification information, the user as being associated with the transaction card; responsive to authenticating the user, replacing, using the transaction device, the first security value associated with the transaction card with a second security value associated with the transaction card; authenticating the transaction based at least in part on a comparison between a stored security value and the second security value associated with the transaction card; and in response to a successful authentication of the transaction, processing the transaction.
G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
The present disclosure is directed to systems, methods, and non-transitory computer-readable media including generating a token using an electronic file, the electronic file having a title and a content, and the token including a title hash based on the title of the electronic file and a file hash based on the content of the file and verifying the token based on at least one of the title hash, the file hash, and the signature.
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
H04L 9/06 - Arrangements for secret or secure communicationsNetwork security protocols the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems
A computer system for controlling alert floods includes one or more processors and non-transitory computer-readable storage media encoding instructions. The instructions direct the computer system to provide an interface for receiving alerts and determine an alert flood condition based on a number of alerts received at the interface over time and an alert threshold. The alert threshold includes a number of alerts and a duration of an alert window. The instructions further direct the computer system to direct received alerts to a first queue outside of the alert flood condition and direct received alerts to a second queue during the alert flood condition. Enrichment information can be added to alerts in the second queue, and the alerts in the second queue can be processed according to the enrichment information to prioritize the alerts, remove duplicate alerts, or generate tickets.
Systems and methods are provided, that include receiving payments, via a payment system, from a plurality of attendees of an event, and tracking an engagement, via one or more sensors, of the plurality of attendees with a plurality of vendors during the event, where the engagement comprises time spent by attendees at each vendor's location of the plurality of vendors. The systems and methods further include allocating the payments, or a portion thereof, via the payment system, to the plurality of vendors in proportion to the tracked engagement of the plurality of attendees with each vendor of the plurality of vendors, and creating a personalized event itinerary for an attendee of the plurality of attendees.
Various systems and methods for managing account-level control of game currencies and exchanges are described herein. A system for processing a transaction for a gaming deposit account at an issuing bank is configured to receive, from a payment network, an approval request message for a transaction related to an in-game asset; evaluate rules established by an accountholder of the gaming deposit account to approve or deny the approval request message, wherein the transaction includes a gaming platform identifier, a game identifier, or an in-game asset identifier, and wherein the rules to evaluate whether to approve or deny the approval request message are based on the gaming platform identifier, the game identifier, or the in-game asset identifier; and complete the transaction using the gaming deposit account when the approval request message is approved.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
Systems and methods for generating executable rules using a domain specific language (DSL) are provided. A method includes accessing a first set of documents and extracting semantic features from the first set of documents. The method also includes transforming the semantic features into lower-dimensional features and mapping the lower-dimensional features to a domain-specific language (DSL). The method also includes compiling the DSL rules and storing the executable rules in a rules repository. The method also includes executing the executable rules against one or more documents from a second set of documents to generate a response and providing the response to a downstream operating service.
Disclosed in some examples are methods, systems, devices, and machine-readable mediums which create various data visualizations from a corpus of raw data collected from one or more sources. For example, natural language text documents of a corpus may be classified based upon the topic of the data. The documents may be labeled with the phase during which the documents were collected or observed. A visualization may then be generated which shows a correlation between the phase and the topics observed. For example, a number of times a particular topic appeared in a particular phase. The visualization may be two-dimensional, three-dimensional, or the like.
Systems, apparatuses, methods, and computer program products are disclosed for providing a multimodal interactive personal advisor (MIPA). An example method includes retrieving user data associated with a user associated with a living location. The example method also includes retrieving living location data associated with a set of living locations. The example method also includes facilitating an interaction between the user and an MIPA model. The example method also includes extracting, based on the interaction, a set of data features associated with the user and determining, based on the set of data features, second user data. The example method also includes determining, based on the user data and the second user data, a financial status of the user and determining, based on the living location data associated with the set of living locations and the financial status of the user, a second living location for the user.
Systems, apparatuses, methods, and computer program products are disclosed for providing a multimodal interactive personal advisor (MIPA). An example method includes retrieving user data associated with a user. The example method also includes facilitating an interaction between the user and an MIPA model. The example method also includes extracting, based on the interaction, a set of data features associated with the user and determining, based on the set of data features, second user data. The example method also includes generating, based on the user data and the second user data, a pathway for the user. The example method also includes determining a trigger event has occurred and evaluating, based on the trigger event, user progress made with respect to the pathway. The example method also includes initiating a user check-in interaction, where the user check-in interaction comprises providing an evaluation of the user progress made with respect to the pathway.
Systems, apparatuses, methods, and computer program products are disclosed for device connectivity-based authentication. An example method includes receiving, from a first device, an authorization request associated with a first action. The example method also includes receiving a current connectivity dataset from the first device which indicates one or more devices detected by the first device to be in communication with the first device. The example method also includes comparing the current connectivity dataset with a reference connectivity dataset. The example method also includes determining, based on the comparison, whether the current connectivity dataset and the reference connectivity dataset satisfy a predefined similarity threshold. The example method also includes authorizing, in an instance in which the current connectivity dataset and the reference connectivity dataset satisfy the predefined similarity threshold, the first device to perform the first action.
An example computer system for providing countermeasures for a ransomware attack can include: one or more processors; and non-transitory computer-readable storage media encoding instructions which, when executed by the one or more processors, causes the computer system to generate a key by to: create a salt using artificial intelligence; form a data section by the salt and an original key; and form a dummy section to fill out a length of the key.
An example computer system for providing countermeasures for a ransomware attack can include: one or more processors; and non-transitory computer-readable storage media encoding instructions which, when executed by the one or more processors, causes the computer system to: recommend one or more countermeasures once the ransomware attack is identified; switch access for a client device from an application layer to a software defined network layer including a software defined network trap having nodes; and restrict access when the client device fails to perform a task at a node of the software defined network trap.
Systems, apparatuses, methods, and computer program products are disclosed for providing a multimodal interactive personal advisor (MIPA). An example method includes retrieving first user data associated with a user. The example method also includes facilitating a first interaction between the user and an MIPA model. The example method also includes extracting, based on the first interaction, a set of data features associated with the user and determining, based on the set of data features, second user data. The example method also includes generating, based on the first user data and the second user data, a first pathway for the user, where the MIPA management circuitry is configured to provide the first pathway to at least a first user device associated with the user.
Systems, apparatuses, methods, and computer program products are disclosed for providing a multimodal interactive personal advisor (MIPA). An example method includes retrieving first user data associated with a user and generating an initial user profile associated with the user based on the first user data. The example method also includes facilitating a first interaction between the user and a MIPA model. The example method also includes extracting, based on the first interaction, a set of data features associated with the user and determining, based on the set of data features, second user data. The example method also includes generating a current user profile associated with the user, where the current user profile is generated based on updating the initial user profile based on the second user data.
Systems, apparatuses, methods, and computer program products are disclosed for providing a multimodal interactive personal advisor (MIPA). An example method includes retrieving first user data associated with a user. The example method also includes facilitating an first interaction between the user and an MIPA model via a first user device. The example method also includes extracting, based on the first interaction, a set of data features associated with the user and determining, based on the set of data features, second user data. The example method also includes generating, based on the first user data and the second user data, a first model response and providing the first model response to the user via a second user device associated with the user.
G06F 16/335 - Filtering based on additional data, e.g. user or group profiles
G06Q 10/0637 - Strategic management or analysis, e.g. setting a goal or target of an organisationPlanning actions based on goalsAnalysis or evaluation of effectiveness of goals
