An example computer system for authenticating an electronic communication 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 create: a notification module programmed to generate a validation code for the electronic communication; and a fraud validation module programmed to accept the validation code and other contextual information associated with the electronic communication to determine an authenticity of the electronic 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
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
An example hub and registry module can be programmed to authenticate a user device attempting to access a contextual interface; access data to generate the contextual interface, the data being associated with the user device; determine operational information and personal information associated with the user device; combine the operational information and the personal information to generate contextual information associated with the user device; select one or more micro front-ends from a hub of micro front-ends based on the contextual information for the contextual interface; and provide the contextual interface to the user device, wherein the contextual interface includes the one or more micro front-ends.
The arrangements disclosed herein relate to systems, apparatus, methods, and non-transitory computer readable media for sending, by a roving cryptography device to a first user device of a plurality of user devices, a first cryptographic material when the roving cryptography device is at a first location along a path of the roving cryptography device and sending, by the roving cryptography device to a second user device of the plurality of user devices, a second cryptographic material when the roving cryptography device is at a second location along the path of the roving cryptography device. The first location and the second location are different locations. The first user device and the second user device establish a cryptographic key using the first cryptographic material and the second cryptographic material.
A provider computing system includes a processing circuit having at least one processor coupled to at least one memory device and at least one artificial intelligence (AI) system. The processing circuit performs operations including receiving a first request for a first transaction having one or more first parameters; analyzing a transaction history comprising one or more previous transactions having at least one of the one or more first parameters; determining a response to the first request; and transmitting the response to the first request. The at least one AI system is configured to perform operations including: simulating one or more transactions; identifying one or more second parameters of the one or more simulated transactions; comparing the one or more second parameters to the one or more first parameters; and determining a legitimacy value associated with the first transaction based on the comparison.
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 first event stream maintains a plurality of privacy preference data from two or more customer relationship management (CRM) systems. A second event stream maintains a plurality of solicitation preference data, each solicitation preference data in the plurality of solicitation preference data determined by applying a set of rules to filter a respective privacy preference data from the plurality of privacy preference data. A request for a current solicitation preference of a client is received from a CRM system of the two or more CRM systems. One or more entries in the second event stream are accessed. The current solicitation preference of the client is determined from the one or more entries in the second event stream. The current solicitation preference associated with the client is provided to the CRM system.
A method may include receiving a login request from a computing device including authentication data for a user identifier; granting access to user identifier for a host application having a current level of authentication; receiving a request from the computing device to perform an action; determining the current level of authentication is less than an action level of authentication of the action; presenting a gaming application on the computing device embedded as part of the host application; monitoring telemetry data of the computing device during gameplay of the gaming application including: user interaction data associated with gaming application, and computing device movement data; calculating a current user behavior fingerprint using the telemetry data; calculating a fingerprint similarity score between the current user behavior fingerprint and a past user behavior fingerprint; determining the fingerprint similarity score is above a threshold similarity score; and based on the second determining, authorizing the action.
A63F 13/71 - Game security or game management aspects using secure communication between game devices and game servers, e.g. by encrypting game data or authenticating players
A computing system is configured to manage and synchronize indicators-of-attack (IOA) rules across multiple tenants of an Endpoint Detection and Response (EDR) tool. The computing system is configured to compare rules between an indicated source tenant and a destination tenant. The computing system may then generate output indicating common rules, updated rules, and missing rules between the source and destination tenants. A user, or the system itself, may update the rules at the destination tenant based on the rules at the source tenant. Such an endpoint security synchronization system avoids problems that may occur with manually transferring IOA rules across multiple tenants of an EDR tool which may result in errors that result in false or misleading security alerts.
Aspects of this technical solution can include identifying, by an NFT transaction processor, a first localization property corresponding to an NFT that restricts transfer of the NFT to a first locality, identifying, by the NFT transaction processor, a second localization property corresponding to a second NFT account that restricts transfer of the NFT to a second locality, generating, by the NFT transaction processor in response to a determination that the first localization property and the second localization property differ, a container linked with the second localization property, transferring, by the NFT transaction processor in response to the determination, the NFT to the container, and linking, by the NFT transaction processor, the second public and private key pair with the container to transfer the NFT to the second NFT account.
G06Q 40/04 - Trading Exchange, e.g. stocks, commodities, derivatives or currency exchange
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
H04L 9/30 - Public key, i.e. encryption algorithm being computationally infeasible to invert and users' encryption keys not requiring secrecy
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 system includes a processing circuit configured to receive a first input during a conversation. The processing circuit is further configured generate a first message parameter associated with the first input. The first message parameter corresponds with a first task that the processing circuit is authorized to autonomously perform. The processing circuit is further configured to autonomously perform the first task. The processing circuit is further configured to receive a second input from during the conversation. The processing circuit is further configured to generate a second message parameter associated with the second input. The second message parameter corresponds with a second task that the processing circuit is unauthorized to autonomously perform. The processing circuit is further configured to add a human agent device associated with a human agent to the conversation to provide a second response based on the second input and to perform the second task.
H04L 51/02 - User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail using automatic reactions or user delegation, e.g. automatic replies or chatbot-generated messages
Systems, apparatuses, methods, and computer program products are disclosed for constructing a foundational identity to establish the identity of an individual and linking the foundational identity to various other identities of the individual in virtual spaces. An example method includes linking identities across virtual spaces. The example method further includes verifying identity activity associated with the various other identities using the link between the various other identities and the foundational identity, and based on the verification of the identity activity, generate outputs.
G06F 21/53 - 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 executing in a restricted environment, e.g. sandbox or secure virtual machine
Systems and methods may generally provide a non-fungible token for automatic execution of aspects of an estate. An example method may include receiving information from a user, corresponding to a financial asset, the information identifying a right to be conferred to an entity on occurrence of a trigger event, generating a non-fungible token encapsulating the right to be conferred to the entity related to the financial asset, and storing the non-fungible token on a secure chain at a server. The example method may include determining whether the trigger event related to the user has occurred, and automatically outputting, in response to determining the trigger event has occurred, an indication of the non-fungible token to the entity.
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 system includes a processing circuit configured to receive a request associated with an offer. The processing circuit is further configured to determine a category of the offer. The processing circuit is further configured to model the category with the offer to generate a first amount corresponding to a first transaction instrument and a second amount corresponding to a second transaction instrument for the offer. The processing circuit is further configured to generate and provide an interface corresponding to the first amount and the second amount. The processing circuit is further configured to receive a transaction request corresponding to the first transaction instrument or the second transaction instrument. The processing circuit is further configured to authorize the transaction request for either the first amount or the second amount based on the transaction request corresponding to the first transaction instrument or the second transaction instrument.
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
System and techniques to distinguish an artificial satellite from another object are described herein. A physical measurement is gathered of a candidate object for a known satellite in an orbit. This physical measurement is compared to a corresponding known value for the known satellite traveling in the orbit. Based on this comparison, a score is created, the score being a representation of certainty as to whether the candidate object is the known satellite. The score is used to modify a planned communication with the known satellite.
Systems and techniques for are described herein. An application programming interface (API) gateway receives an onboarding request from a self-service onboarding portal. Requirements data is queried for onboarding requirements. The onboarding requirements are deduplicated based on a common taxonomy to create a standardized requirements set. User interface elements are selected for presentation in a user interface based on the standardized requirements set. The user interface is presented in the self-service onboarding portal. An onboarding workflow is executed across internal systems to fulfill the requirements using input received from the user interface. A status of the onboarding request is returned to the self-service onboarding portal.
Various examples are directed to computer-implemented systems and methods for a family advisor safety net. A method includes receiving a next generation input indicating desired investment activity of a next generation user and identity of a guardian of the next generation user, and receiving a guardian account input including information regarding an account of the guardian to be used by the next generation user and associated guardrail information. A family safety net platform is generated by linking the next generation user to the guardian account for the desired investment activity, and customized guardrails are calculated for the family safety net platform using the associated guardrail information. Limited access by the next generation user is provided to the guardian account using the customized guardrails for the family safety net platform, and proceeds from investment activity of the next generation user are dynamically divided between the guardian and the next generation user.
Systems and techniques may generally be used for detecting a spoofing or mimicking attempt of a customer or employee voice. A method for training a machine learning model to detect a fraudulent attempt to mimic an employee using a synthetic voice copy includes receiving a voice sample of an employee of an enterprise, normalizing the voice sample through a signal processing pipeline, generating a synthetic voice sample using the voice sample, training a model to identify whether received audio includes a synthetically generated voice sample using the voice sample and the synthetic voice sample, and outputting the trained model.
G10L 25/69 - Speech or voice analysis techniques not restricted to a single one of groups specially adapted for particular use for evaluating synthetic or decoded voice signals
G10L 17/04 - Training, enrolment or model building
G10L 17/26 - Recognition of special voice characteristics, e.g. for use in lie detectorsRecognition of animal voices
Systems and techniques may be used for detecting fraudulent interactions during a session by analyzing user behavior using a trained machine learning model. An example technique may include receiving transaction data including metadata related to a plurality of transactions with a plurality of accounts, identifying, using the transaction data, a subset of transactions of the plurality of transactions that trigger at least one suspect condition, and determining, from respective metadata of the subset of transactions, at least one related feature of a portion of the subset of transactions. The example technique may include generating a graph of the portion of the subset of transactions based on the at least one related feature, the graph identifying respective accounts of the plurality of accounts corresponding to the subset of transactions, and outputting the graph for display.
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
18.
ARTIFICIAL INTELLIGENCE DRIVEN DOMAIN-SPECIFIC VALIDATION SYSTEM
Systems, apparatuses, methods, and computer program products are disclosed for efficiently handling queries. An example method includes receiving a query from a user device and generating an embedding representation of the query. The example method further includes performing a similarity comparison between the embedding representation of the query and a set of embedding representations of historical document sections stored in a historical document repository and selecting a relevant embedding representation of a historical document section stored in the historical document repository for the query. The example method further includes querying a target large language model using the embedding representation of the query and the relevant embedding representation of the historical document section and providing a query response to the user device.
Embodiments of the present disclosure enable improved methodologies of scanning files for target files, for example EUCTs, in large, complex data systems. Embodiments of the present disclosure sufficiently narrow the population of candidate files to a reduced candidate file set that narrowly targets candidate files in a manner that enables processing of such significant candidate files while remaining accurate and efficient. Embodiments reduce the amount of manual effort that may be involved in scanning for target files in file repositories of a data system. Example embodiments identify a plurality of candidate data files associated with one or more file repositories, determine, from the plurality of candidate files, a reduced set of candidate data files, wherein the reduced set of candidate data files are determined by applying a hierarchy of scan criteria to the plurality of candidate data files, and output the reduced set of candidate data files.
Systems and techniques may generally be used for chatbot-based fraud assistance. An example method may include initiating a chatbot session with a user and receiving a prompt from the user related to suspected suspicious activity in an account. The method may include retrieving, using a Retrieval-Augmented Generation (RAG) component, contextual information from at least one of transaction data and a knowledge base. The method may include evaluating the prompt using a large language fraud model and the retrieved contextual information to determine a response.
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
H04L 51/02 - User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail using automatic reactions or user delegation, e.g. automatic replies or chatbot-generated messages
Systems, methods, and apparatuses for providing a customer a central location to manage permissions provided to third-parties and devices to access and use customer information maintained by a financial institution are described. The central location serves as a central portal where a customer of the financial institution can manage all access to account information and personal information stored at the financial institution. Accordingly, the customer does not need to log into each individual third-party system or customer device to manage previously provided access to the customer information or to provision new access to the customer information. A user additionally is able to have user data and third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal. Restrictions on how user data is used by devices, applications, and third-party systems can be imposed via a central portal.
G06Q 20/14 - Payment architectures specially adapted for billing systems
G06F 16/215 - Improving data qualityData cleansing, e.g. de-duplication, removing invalid entries or correcting typographical errors
G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
A system includes a processing circuit configured to receive transaction data of a person. The transaction data relates to a transaction associated with a category. The processing circuit is further configured to determine proximity parameters of the person. The proximity parameters correspond to a proximity to at least one merchant belonging to the category. The processing circuit is further configured to receive property data relating to real estate properties. The processing circuit is further configured to model the property data with the proximity parameters to generate property match data for the person. The property match data corresponds to at least one of the real estate properties that include the proximity to the at least one merchant belonging to the category associated with the transaction. The processing circuit is further configured to generate and provide, to a user device, an interface corresponding to the property match data.
A computing system may be configured for generating a source-based confidence score in association with output from a Large Language Model (LLM). The computing system may obtain computer-generated text output from the LLM as an answer to an inquiry submitted by a computing device. The computing system may determine a confidence score in association with the answer to the inquiry based on an evaluation of one or more sources used by the LLM to generate the answer and determine whether the confidence score associated with the answer satisfies a quality threshold. Based on the confidence score associated with the answer satisfying the quality threshold, the computing system may generate an annotated answer including the answer and an indication of quality based on the evaluation of the one or more sources used by the LLM to generate the answer. The annotated answer may be output in response to the inquiry.
A method may include accessing a semantic map between a schema of a relational database (RDB) and a resource description framework (RDF) data model, the semantic map defined according to a first semantic ontology; applying the semantic map to data loaded from the RDB to generate a first set of semantic objects; storing the first set of semantic objects in a staging RDF triplestore; executing a script to transform the first set of semantic objects into a second set of semantic objects according to a second semantic ontology; and storing the second set of semantic objects into a production RDF triplestore.
Various embodiments described herein relate to systems, methods, and non-transitory computer-readable media structured to perform server-to-device secure data exchange using a device access token. In an embodiment, a smart device receives, from a requestor entity provided to the smart device, an account data provisioning request for an account. Based on the account data provisioning request, an account identifier for the account is determined. In some arrangements, the account identifier comprises or is associated with a device access token. Based on the device access token, a data element associated with the account is determined. In some embodiments, the data element is accessible to the requestor entity only if it is not access-restricted based on the device access token. Based on the data element, an executable graphic rendering instruction is generated. The executable graphic rendering instruction is executed, which includes generating and displaying, on a user interface of the smart device, a dynamic account status indicator relating to the account.
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
H04L 67/133 - Protocols for remote procedure calls [RPC]
26.
System and method for financial health visualization
Various examples are directed to computer-implemented systems and methods for financial health visualization. A method includes providing an interactive interface for a user on a graphical user interface (GUI) of a local user device, where providing the interactive interface includes using an instance of a program that is prevented from accessing networks once running to ensure security of user input. Input is received from the user generated by user manipulation of a plurality of sliders on the interactive interface. In response to the input, a plurality of financial measures indicative of a financial health of the user are calculated based on the input, and the plurality of financial measures are displayed on the interactive interface. Further in response to the input, a plurality of vertical stacked line graphs are adjusted based on the input, and the adjusted plurality of vertical stacked line graphs are displayed on the interactive interface.
G06F 3/04847 - Interaction techniques to control parameter settings, e.g. interaction with sliders or dials
G06F 3/04817 - 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 using icons
G06Q 40/06 - Asset managementFinancial planning or analysis
G06T 11/20 - Drawing from basic elements, e.g. lines or circles
27.
Systems and methods for monitoring a budget scope in real time
Systems, methods, and apparatuses include a provider computing system including a network interface structured to facilitate data communication via a network and a processing circuit comprising a processor and memory. The processing circuit is structured to receive a scope and a budget. The processing circuit includes a management circuit structured to determine a scope merchant category for items offered for sale by a merchant that match the scope and wherein the management circuit is structured to interpret the budget to determine a maximum amount of funds for the purchase. The processing circuit receives a selected item. The management circuit determines a category in comparison to the scope and a cost item in comparison to the budget to determine if the cost of the item is less than the maximum amount of funds.
With the increasing reliance on digitization, evolving business models, and increasing regulatory and compliance requirements, organizations face new and unknown operational risks An example product resiliency and health assessment system provides product-level risk identification, resiliency and health reporting by automatically retrieving and assessing multi-dimensional data, creating a health scorecard to convey discrete measurement of the health of the overall product and the sub-components of the product, and providing actionable remediation plans for identified weaknesses.
A computing system including one or more processing circuits configured to receive a request from a first user device of a first user associated with a first account to create an allocated user portion within the first account, create the allocated user portion based on the request from the first user device, generate credentials for a second user configured to allow the second user to perform one or more actions associated with allocated funds of the allocated user portion within the first account and to disallow the second user from performing actions associated with non-allocated funds within the first account that are outside of the allocated user portion, and transmit the credentials to one of the first user device of the first user or a second user device of the second user.
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
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
30.
SYSTEMS AND METHODS FOR DEPOSIT TRANSFER CUSTOMIZATION
A system includes a processing circuit configured to determine a billing period based on a billing frequency corresponding to a bill payment. The processing circuit is further configured to determine deposits that will be made into a first account that will occur during the billing period. The processing circuit is further configured to generate transfer preferences for the deposits. The processing circuit is further configured to receive an indication that a deposit has been received by the first account. The processing circuit is further configured to transfer an amount associated with the deposit from the first account to a second account, wherein the second account is associated with the bill payment and the amount transferred is based on a bill payment amount.
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
Systems and techniques for trusted validation agent platform are described herein. A transaction is detected as potentially fraudulent based on user profile data of a user. A trusted validation agent is determined for the transaction using the user profile data. Remediation instructions are generated for the trusted validation agent using transaction data of the transaction. The remediation instructions are transmitted to the trusted validation agent. A disposition is determined for the transaction based on input received from the trusted validation agent. Transaction handling instructions are transmitted to a transaction processing system based on the disposition.
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.
DEVICE-SPECIFIC PASSKEY COMMUNICATION SYSTEMS AND TECHNIQUES
Systems and techniques may generally be used for device-specific passkey communication. An example technique may include authenticating a customer at a banking device, determining, at the banking device, that the customer is a registered mobile app user, and retrieving, in response to determining that the customer is the registered mobile app user, a passkey paired to an account of the customer and paired to a mobile device of the customer. The example technique may include sending, from the banking device via a proximity-based communication protocol, the passkey to the mobile device of the customer.
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
Disclosed in some examples are methods, systems, and machine-readable mediums for simultaneously capturing an image of multiple checks for deposit. An example method includes receiving, by a bank computing system and from a user device, a multi-check image depicting a front side of multiple checks for deposit with a bank during a communication session. The bank computing system may generate a front side image for each of the multiple checks from the multi-check image. The bank computing system may receive electronic signature data for a customer, during the communication session, and generate a back side data for each of the multiple checks using the electronic signature data. A check image file may be stored for each respective check of the multiple checks, with each check image file including the back side data, such as a generated image, and the front side image for the respective check.
Systems, apparatuses, methods, and computer program products are disclosed for user-defined synthetic data generation. A method includes generating, by interface generation circuitry, a synthetic data generation user interface (UI) comprising a plurality of synthetic data generation UI elements. The method also includes causing presentation, by communications hardware, of the synthetic data generation UI. The method also includes receiving, by the communications hardware, a user input set comprising a plurality of user input indications generated based on user interactions with the synthetic data generation UI elements. The method also includes preprocessing, by synthetic data generation circuitry, the user input set to generate a parameter specification set for generating a synthetic dataset.
Various systems and methods for providing a digital estate plan system are described herein. An online system for managing beneficiaries and assets of a will is configured to access transaction data related to a user; identify a person or a property based on the transaction data; present a confirmation request to the user to confirm that the person is a beneficiary of the will or that the property is an asset of the will; and add, in response to receiving a confirmation from the user, the person to a list of beneficiaries of the will, or the property to a list of assets of the will.
Systems and methods relating to a distributed ledger-based payment rail are provided. A computer-implemented method includes determining whether a sending financial institution of a sender of a funds transfer and a receiving financial institution of a recipient of the funds transfer each operates a node on a permissioned distributed ledger network. The method further includes routing a funds transfer request message to the permissioned distributed ledger network in response to determining that the sending financial institution and the receiving financial institution each operates a node on the permissioned distributed ledger network. The method further includes destroying, by an issuer, the cash states in response to the recipient redeeming cash states associated with the funds transfer.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
Techniques are described for validating build integrity of software products, such as applications or containers. More specifically, this disclosure describes a build integrity validation system that analyzes build artifacts resulting from a software build process to create source code assertions, and compares the assertions against the source code from which the build artifacts were produced. The build integrity validation system validates that a particular build artifact is producible by the source code to ensure that no additional code was introduced during the build process. The build integrity validation system may also reverse the analysis to validate that the source code is able to produce the build artifacts to ensure that no code was removed or modified during the build process. The build integrity validation system identifies and reports identified discrepancies between the source code and the build artifacts resulting from the software build process of the source code.
A provider computing system can include at least one processing circuit having at least one processor coupled to at least one memory device. The at least one memory device can store instructions thereon that, when executed by the at least one processor, cause the at least one processing circuit to detect initiation of a session to access an account by a user device of a user, detect correlations between an event and one or more previous occurrences of one or more events similar to the event, generate a plurality of actions to address the event, transmit one or more signals to cause the user device to display a user interface including selectable elements to indicate the plurality of actions, receive an indication of a selection of a selectable element of the selectable elements, and implement an action to address the 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
A merchant device provides merchant data to a customer device. The merchant data cause a mobile application to launch on the customer device. Customer authentication data are received at a merchant server from the mobile application on the customer device. A customer is authenticated at the merchant server as a function of the customer authentication data. A line of communication is maintained between the customer device, the merchant server and the merchant 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
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
A method may include generating a digital avatar data structure; associating the digital avatar data structure with a user account; presenting an original appearance of a digital avatar in a user interface based on appearance values in the digital avatar data structure; receiving an indication of user financial activity associated with the user account; in response to receiving the indication, inputting the user financial activity into a machine learning model; updating the appearance values of the digital avatar data structure based on an output of the machine learning model; and presenting an updated appearance of the digital avatar after the updating in accordance with the updated appearance values
A method may include presenting a user interface, the user interface including: a graph presentation area; and a graph link type confirmation area; executing a knowledge graph database search query; in response to the executing, receiving a set of tuple objects corresponding to relationships between entities in the knowledge graph database; populating the graph presentation area with representations of the entities and links connecting the representations of the entities; populating the graph link type confirmation area with a selectable user interface element configured to confirm a relationship of the relationships between entities; receiving activation of the selectable user interface element; and in response to receiving the activation, updating the graph presentation area.
Techniques are described for a model-based process to validate build integrity of software products. A build integrity validation system generates a build artifact model including one or more software components extracted from a build artifact resulting from a software build process of source code and generates a source code including one or more software components extracted from the source code. The system compares the software components of the build artifact model and the software components of the source code model, and identifies at least one discrepancy between the build artifact model and the source code model. The system determines a level of risk associated with the at least one discrepancy and, in response to determining the level of risk associated with the at the least one discrepancy, generates a decision indicating whether the at least one build artifact is approved for use in a software product.
G06F 21/56 - Computer malware detection or handling, e.g. anti-virus arrangements
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 financial reporting framework adapted to provide business-specific financial reporting tailored to anticipated reporting needs. The system begins by collecting data encompassing customer transactions, historical financial details, and business-specific parameters, which is analyzed through a blend of artificial intelligence (AI) and machine learning (ML) algorithms. Reporting content is then customized to align with individual business characteristics and requirements. A predictive algorithm further enhances the system, forecasting future reporting needs based on analysis of historical data trends, current financial activities, and market analysis. Thereafter, the system and method enable automatic generation of reports, each precisely tailored to the anticipated future requirements of the business. To maintain accuracy and relevance, the AI and ML algorithms frequently incorporate new data and customer feedback to ensuring reports remain aligned with the evolving needs of commercial banking.
G06Q 10/067 - Enterprise or organisation modelling
G06Q 10/0631 - Resource planning, allocation, distributing or scheduling for enterprises or organisations
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
44.
SECURED POSITION AWARE CONTINUOUS AUTHENTICATION MESH NETWORK
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.
The arrangements of the present disclosure relate to systems, apparatuses, methods, and non-transitory computer-readable media for authenticating a participant associated with a first device by a second device, including generating, by the second device, a random number, determining, by the second device, a first Random Identifier (RID) using an ID of the first participant associated with the first device, the random number, and a key, sending, by the second device to the first device, the random number in response to a request received by the second device from the first device, receiving, by the second device from the first device, a second RID, and at least one of identifying or authenticating, by the second device, the first participant using the second RID for the request.
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 system and method for verifying code bundles. One method includes receiving, from a client device, a request for information to verify an authorization of a code bundle, the code bundle associated with a first signed code segment and a second signed code segment. The method further includes generating a list of certificates associated with the code bundle and including a first certificate associated with the first signed code segment and a second certificate associated with the second signed code segment. The method further includes transmitting, to the client device, a message comprising the list of certificates, the list of certificates generated by a code sign management system (CSMS) and associated with the code bundle. The method further includes verifying, from the message causing the client device to verify the code bundle and based on the list of certificates, the code bundle.
H04L 29/06 - Communication control; Communication processing characterised by a protocol
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 9/00 - Arrangements for secret or secure communicationsNetwork security protocols
An example computer system for controlling finances for a vulnerable adult 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 people module programmed to limit communications between the vulnerable adult and untrusted individuals; a payments module programmed to limit transactions with third parties by the vulnerable adult; and a reporting module programmed to provide a history of the communications and the transactions.
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 relates to systems and methods for enhanced identification of recurring customers and their devices at enterprise locations. Aspects of the present disclosure relate to utilizing sensors, cameras, and other computing devices to identify the recurring customers and their devices; validating and verifying the identities of the recurring customers; and, generating messages for the customers to improve their experience at enterprise locations.
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
49.
PROCEDURE ANALYSIS USING MULTIPLE CATEGORY-SPECIFIC MODELS
A computing system may generate, using a plurality of category-specific models, a plurality of validation reports assessing a procedure associated with an organization, wherein each category-specific model of the plurality of category-specific models is associated with a corresponding business function of the organization and is trained via machine learning to produce a corresponding validation report that is a written assessment of whether the procedure is satisfactory for the corresponding business function. The computing system may generate, based on the plurality of validation reports, a combined validation report that is a written assessment of whether the procedure is satisfactory for the organization.
Systems, methods, and computer-readable storage media utilized in math-based currency (MBC) exchange utilizing MBC transaction guarantees. One method includes receiving, from a merchant point of sale (POS) terminal, a payment reimbursement request comprising a guarantee identifier associated with an MBC transfer. The method further includes determining, utilizing the guarantee identifier, transaction information. The method further includes determining, utilizing the transaction information, the guarantee identifier is associated with a failed transaction based on accessing and analyzing a plurality of disputed transactions on an MBC blockchain. The method further includes, in response to identifying the failed transaction, initiating an MBC payment from the financial computing system to an MBC address of a merchant. The method further includes providing, to the merchant POS terminal, a payment confirmation.
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
Systems, apparatuses, methods, and computer program products are disclosed for processing third-party communications. In particular, a method includes: receiving, by communications hardware, a message to be transmitted to a message target device; determining, by a verification engine, that the message is legitimate; appending, by a badge generation engine, a verification badge to the message to obtain a verified message; and transmitting, by an in-application (in-app) messaging engine and via a secured in-app messaging channel, the verified message to the message target device to be displayed on the message target device via an application executing on the message target device.
An electronic computing device includes at least one processor; and system memory. The system memory includes instructions which, when executed by the at least one processor, cause the electronic computing device to receive information regarding outstanding loans for a borrower, generate a graphical user interface, perform a benefits analysis for a consolidation group, display, based on a benefits analysis, a consolidated loan, and update the exclusion listing to include any of the outstanding loans determined to result in lost benefits based on the benefits analysis.
Disclosed are example methods, systems, and devices that allow for executing machine-learning models for real-time and secure analysis of digital metrics. The techniques include generating metrics for identity elements stored in digital profiles of users. A subset of profiles can be identified that have metrics that fall below a predetermined thresholds, with which a training dataset can be generated. Machine-learning models can be executed over the training dataset to train an artificial intelligence agent that receives digital profiles as input and outputs translational elements corresponding to identity elements in the digital profiles. After training, additional profiles can be input to the machine-learning models of the artificial intelligence agent to identify a second subset of digital profiles with corresponding metrics. Electronic messages corresponding to the second subset can be generated and transmitted to one or more computing devices identified in the second subset of digital profiles.
A financial analytics platform for analyzing the impact of macroeconomic fluctuations on the interdependencies among various industries, involving collecting detailed payment transaction data from a diverse group of banking clients and categorizing each transaction by the industry classifications of both the sender and receiver, the transaction amount, and timing. This data is then aggregated according to industry, enabling the identification and quantification of dependencies between multiple industries based on the total transaction values over time. An interactive network is constructed to present these dependencies, where industries are represented as nodes and their interconnections as links, which vary in characteristics to illustrate a strength of inter-industry relationships. Additionally, the platform incorporates a dynamic time element, enabling users to observe and analyze how these inter-industry dependencies evolve and respond to macroeconomic changes, offering valuable insights for strategic financial planning and risk management.
Systems and methods are described herein for updating an application program interface (API) schema to comply with a standard schema model. Such systems and methods may use a computing system to receive the standard schema model from a third-party repository. The computing system also receives an API schema for a first API of a plurality of APIs maintained by the computing system. The computing system compares the API schema to the standard schema model and computes a compliance score for the API schema based on the comparison. Based on the compliance score, the computing system modifies a configuration of the first API, to update the API schema. The computing system may publish the first API according to the updated API schema, according to an updated compliance score based on the modified configuration.
Aspects of the present disclosure address systems and methods for receiving, via a processor, a financial health goal from a user and for retrieving, from a data store, one or more financial health templates based on the financial health goal. The financial health goal does not include an investment goal. The systems and methods additionally include retrieving, from a data store, one or more financial health templates based on the financial health goal, wherein each of the one or more financial health templates comprise a trained model. The systems and methods also include deriving, via the processor, a financial health advice action based on using the financial health goal as input to the trained model of the one or more financial health templates, and providing the financial health advice, wherein the one or more financial health templates are created based on consumer financial data.
An aspect can include obtaining, from a device of a user, location data, obtaining, from the device in response to a determination that the location parameter identifies a physical location of a physical environment, a public key of the user, generating, based on the public key and a private key of the user, an NFT linked with the user and the physical environment, determining, in response to a determination that the device satisfies a distance threshold to an entry controller at the physical location, that the NFT and the public key are compatible with a control structure of a smart contract, and transmitting, in response to the determination that that the NFT and the public key are compatible with the control structure of the smart contract, an instruction based on the NFT to modify operation of the entry controller to permit entry to the physical location.
Systems and methods are described herein for incorporating an industry trends engine into an enterprise resource platform. Such systems and methods may use an institution computing system to establish a connection with an embedded service within an enterprise resource of a first entity. After authenticating a user of the first entity accessing the embedded service, the system retrieves first data relating to other entities having one or more attributes corresponding to the attributes of the first entity. Using throughput analytics based on the first data and a count of second entities, the system determines an individual throughput for the first entity. The individual throughput is compared to a current input of the first entity, and a purchase recommendation based on the comparison is provided to the user via a user interface of the enterprise resource.
Systems and methods for assisting users in answering questions about transactions and providing explanations for processing of transactions. about products and services One disclosed system includes a processor and memory with stored instructions which when executed by the processor cause the processor to: receiving from a first user an explanation request associated with a current transaction; determining characteristics of the current transaction based in part on data associated with current transaction; generating a first graph based on the current transaction data; generating a second graph based on historical transaction data; comparing the first graph and second graph to identify differences between the first graph and the second graph; determining one or more causes of the differences between the first graph and the second graph based on machine learning; determining a textual description of the causes; and outputting the textual description to a display device viewable by the first user.
A system to track to model asset states and access by utilizing non-fungible tokens (NFTs). The system includes a data processing system including memory and one or more processors to receive a stating request for an asset, obtain, based on a plurality of control structures, a plurality of NFTs, each of the plurality of NFTs including a link with a metadata object including metadata of a state of the asset, encapsulate the plurality of NFTs within a container, receive, from the remote device, a state request for an asset state corresponding to a first NFT, the state request including a security token, obtain, from the metadata of the first NFT, one or more recorded security tokens, compare the security token to the one or more security tokens, and, in response to the security token matching the one or more security tokens, transmit the first NFT to the remote device.
G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
Aspects of this technical solution can include identifying an NFT linked with a first public and private key pair associated with the source account, having a transfer property indicating that the NFT is transferable from the source account, having a value property denominated in fiat currency, and having a volatility metric based on one or more requests to transfer the NFT prior to or concurrently with the request, transferring the NFT from the first public and private key pair to a second public and private key pair linked with the NFT transaction processor and associated with an institution account of the financial institution, generating a third public and private key pair linked with the second customer computing device and associated with the recipient account, and transferring the amount of currency from the second public and private key pair to the third public and private key pair.
H04L 9/14 - Arrangements for secret or secure communicationsNetwork security protocols using a plurality of keys or algorithms
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
62.
Systems and methods for providing recommendations relating to customer state
Systems and methods for receiving an enterprise resource dataset associated with a customer from an enterprise application associated with the customer, the enterprise resource dataset including a plurality of financial inputs captured on or before a first date, a plurality of customer recommendations, and a plurality of recommendation replies, receiving, from a first machine learning model, a predicted customer state including one or more predicted financial outputs corresponding with the predicted customer state at a second date subsequent to the first date, providing the plurality of financial inputs to a second machine learning model trained to predict a customer recommendations, determining, a customer recommendation corresponding to an action to be performed at a third date subsequent to the first date, wherein performing the action causes the first machine learning model to predict an updated customer state differing from the predicted customer state.
G06Q 30/0282 - Rating or review of business operators or products
63.
Method, apparatus, and computer program product for validating electronic distribution transactions and reducing non-compliant electronic distribution transactions
A method, apparatus and computer program product are provided for validating electronic distribution transactions and reducing non-compliant electronic distribution transactions. A distribution application enables users to enter details relating to a retirement account distribution. A tax service integrated with the distribution application provides scenario-specific tax withholding information, and enforces relevant tax withholding rules. A user provides withholding information and the system ensures compliance by validating the transaction against the withholding rules. The system displays to the user error that need to be corrected, and a breakdown of the proceeds from the transaction. The tax service is implemented remotely from the distribution application so that changing tax regulations may be implemented into the tax service without impacting the distribution application. The tax service may utilize a customer's state of residence, age (and/or date of birth), and citizenship status such that state tax withholding information and validation, and requirement minimum distribution rules.
This disclosure is directed to integrating unaffiliated applications, or the processes and/or subsystems (e.g., application interfaces) of unaffiliated applications, with client applications to enable the client applications to provide new capabilities not otherwise available through the client application. The disclosed approach allows users to access new functionality within the operating environment of the client application, without accessing unaffiliated applications and undergoing separate authentication and data exchange with each unaffiliated application. Functionality of an unaffiliated application can be integrated by, for example, incorporating such processes and subsystems as interactive user interfaces, widgets, applets, plugins, etc., of unaffiliated applications.
H04L 67/60 - Scheduling or organising the servicing of application requests, e.g. requests for application data transmissions using the analysis and optimisation of the required network resources
65.
REAL-TIME FRAUD SESSION TERMINATION IN DIRECT PAY SYSTEM
Examples are directed to systems and methods that block sessions established with an application when fraudulent has occurred at an endpoint associated with the application after establishment of the sessions. A plurality of sessions are established with the application. A first request via a first session of the plurality of sessions is received after session establishment. The first request requests access to the endpoint. A determination is made that the first request is an unauthorized attempt to access the endpoint. The first session is blocked such that a user associated with the first session cannot access the application using the first session. A second request via a second session of the plurality of sessions is received, the second request requesting access to the endpoint. The second session is then blocked such that a user associated with the second session cannot access the application using the second session.
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
Systems, apparatuses, methods, and computer program products are disclosed for generating a metaverse asset based on securing a physical object. An example method includes authenticating a user to a metaverse instance using metaverse credentials and authenticating the user to a transaction server using transaction server credentials. The example method further includes securing and scanning a physical object, generating scanned object raw data. The example method further includes generating a metaverse representation of the physical object based on the scanned object raw data, broadcasting the minting and ownership of a metaverse asset to the metaverse instance, where the metaverse asset comprises a link to the metaverse representation of the physical object, where the ownership is associated with the metaverse credentials and providing an indication of securing the physical object and an indication of broadcasting ownership of the metaverse asset to the transaction server.
An example computing device includes: a processor; and a system memory, the system memory including instructions which, when executed by the processor, cause the computing device to: identify a financial account associated with debit card use; parse financial transactions associated with the financial account to identify debit card transactions; categorize the debit card transactions into categories based upon types of merchants; map the categories to incentives associated with a credit card; and present potential savings associated with the incentives.
Systems and techniques may generally be used to identify similar members of an organization. An example technique may include receiving information corresponding to a plurality of members of the organization, and identifying a set of attribute categories related to the organization. The example technique may include determining, for a first member, a set of similarity scores of the first member to a second member based on attribute values for the first member and the second member in the set of attribute categories. The set of similarity scores may be compared to a closeness threshold. The example technique may include providing a resource or suggested action for the first member in response to a similarity score of the set of similarity scores exceeding the closeness threshold, the resource or the suggested action selected based on the shared attribute category and a portion of the information corresponding to the second member.
Aspects of this technical solution relate to a system. The system includes a memory and one or more processors coupled to the memory. The one or more processors are configured to: generate, by a first artificial intelligence model receiving as an input a first object including a first textual description of an entity, one or more first metrics descriptive of the entity; generate, by a second artificial intelligence model receiving as an input one or more of the first metrics, a second object including a second textual description of the entity and a first metric; identify, by the first artificial intelligence model, one or more third objects each having at least one first property satisfying a first metric; and cause a presentation of a portion of the second object at a first portion and a portion of the third object at a second portion of a user interface.
This technical solution can include multiple systems to facilitate asset exchange between a main network, one or more sub-networks, and a third-party network. The main network, one or more sub-networks, and the third-party network can each include a blockchain architecture to store the tokens corresponding to one or more owners of each of the networks. This technical solution can include generation of smart contract control structures and modification of blockchain architecture to process the tokens.
This disclosure describes techniques that include facilitating note-taking in various contexts, including when a customer is speaking to an agent of a business. In one example, this disclosure describes a method that includes analyzing, by a computing system, communications between a customer of an organization and an agent of the organization, where the communications include an issue to be addressed by the organization; generating, by the computing system, artifacts of the communication between the customer and the agent; determining, based on the artifacts of the communication, an action to be taken to address the issue; and generating, by the computing system, a user interface providing options associated with addressing the issue.
Systems and methods for receiving an enterprise resource dataset includes a plurality of financial inputs captured associated with a customer from an enterprise application associated with the customer, providing the plurality of financial inputs to a machine learning model trained to predict a customer state using a plurality of training financial inputs and a plurality of training financial outputs, each of the plurality of training financial inputs corresponding to financial data and each of the plurality of training financial outputs corresponding with financial data, determining, responsive to providing the plurality of financial inputs to the machine learning model, a future customer state of the customer, including a predicted financial output, at a fourth date, and generating one or more financial recommendations based at least partially on the determined future customer state of the customer.
Disclosed are example methods, systems, and devices for sensor data processing for monitoring devices. These techniques include receiving scan data from a computing device that corresponds to a scan by an imaging device and analyzing the scan data to determine that the scan data corresponds to a manufactured article. An indication can be transmitted with a request for audiovisual data corresponding to an operation of the manufactured article, and the audiovisual data can be received from an imaging device or a microphone of the computing device. A sound sample corresponding to the operation of the manufactured article is extracted, and a status metric for the article is generated based on a comparison of the sound sample to a sound signature in an identity profile of the manufactured article. The status of the manufactured article can then be determined.
G06K 7/14 - Methods or arrangements for sensing record carriers by electromagnetic radiation, e.g. optical sensingMethods or arrangements for sensing record carriers by corpuscular radiation using light without selection of wavelength, e.g. sensing reflected white light
G06V 10/94 - Hardware or software architectures specially adapted for image or video understanding
G10L 25/03 - Speech or voice analysis techniques not restricted to a single one of groups characterised by the type of extracted parameters
75.
Planning, advice, and execution platform including techniques for improving advice through user interactions
Various embodiments described hereby include components of a planning, advice, and execution (PAE) system configured to deliver an advice, planning, and attainment experience that focuses on understanding clients as human beings and what they want to accomplish with their life. The PAE system, or one or more components thereof, may operate to provide technology-based solutions that continuously sync financial objectives with aspirations and values through the many moments of life. These technology-based solutions may empower humans to make financial decisions and attain life objectives, big or small, simple or complex, that make a real and lasting impact on their lives and future generations.
A computing system is configured to periodically obtain data associated with a current state of a current loan on a secured property of a user. The computing system determines, using one or more data models, a predicted refinance rate for the secured property and an associated confidence score. The computing system determines whether to present an offer for a refinanced loan on the secured property at the predicted refinance rate to the user based on a determination of an advantage of the refinanced loan over the current loan on the secured property. The computing system generates and sends a message including an indication of the offer for the refinanced loan to a user device of the user. The computing system receives a user response to the offer for the refinanced loan and updates the one or more data models based on the user response to the offer.
Aspects of the present disclosure include systems and methods for building utilization. In one example, a method includes receiving, via an enterprise configuration service, a request from a client device for configuration data, wherein the request identifies the client device, and authenticating, via the enterprise configuration service, the client device against an authentication system to verify an identity of the client device based on the request. The method also includes retrieving, via the enterprise configuration service, the configuration data from a plurality of configuration data sources by making separate requests to each of the plurality of configuration data sources based on the request from the client device, and aggregating, via the enterprise configuration service, the configuration data from the plurality of configuration data sources into a single aggregated response. The method further includes transmitting the configuration data to the client device in the single aggregated response.
Systems, apparatuses, methods, and computer program products are disclosed for digital identity selection. An example method includes detecting a digital identity selection event for a user, wherein the digital identity selection event is associated with an event attribute set comprising one or more event attributes, and an event criteria set comprising one or more event criteria. The example method further includes determining, based on the event attribute set, a master digital identity associated with the user, wherein the master digital identity comprises one or more user digital identities. The example method further includes generating, based on the master digital identity, one or more bespoke digital identities. The example method further includes selecting, using a digital identity selection model, an optimal digital identity, wherein the optimal digital identity satisfies the one or more event criteria of the event criteria set, and outputting the optimal digital identity.
Systems, methods, and techniques enable scalable on-demand data transformations while minimizing security vulnerabilities. Sample data is received, and a set of data field types of the sample data are identified. A user interface (UI) is caused for presentation on a display of a first device to enable the user of the first device to create a custom mapping between a set of normalized data field types and the identified set of data field types. The custom mapping comprises a plurality of configurations, each configuration of the plurality of configurations includes configuration syntax from a set of predefined configuration syntax. The custom mapping is stored as a template.
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
G06F 21/53 - 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 executing in a restricted environment, e.g. sandbox or secure virtual machine
Systems, apparatuses, methods, and computer program products are disclosed for customizing personalization settings for a user. An example method includes receiving initiating event data and generating a first output. The example method further includes determining a target setting from the personalization settings and a target setting recommendation and generating a conversation prompt providing information about the target setting recommendation. The example method further includes presenting the conversation prompt to the user and receiving a user response. The example method further includes generating a second output and updating the target setting recommendation. The example method further includes, in an instance in which executing the target setting recommendation requires modifying the personalization settings, presenting updated personalization settings to the user and, in an instance in which the user confirms the updated personalization settings, updating the personalization settings according to the target setting recommendation.
A method may include receiving an indication that a user has authenticated at a physical authentication location, the user associated with a user profile and a user identifier; querying a database using the user identifier as input to determine if the user profile has an online user account of an online service; determining, based on the querying, that the user profile does not have an online user account of the online service; based on the determining, generating a 2D barcode encoded with a link to open a credential creation user interface on a computing device; receiving an indication of activation of the link from the computing device; and in response to the receiving, presenting on the computing device the credential creation user interface configured to receive a username and password for a new online user account of the online service.
A provider computing system includes a processing circuit having at least one processor coupled to at least one memory device and at least one artificial intelligence (AI) system. The processing circuit performs operations including retrieving first data from one or more data sources associated with a user; generating a model associated with the user based on the first data; and receiving, from a client computing device of the user, a query for information relating to a primary topic. The at least one AI system is configured to perform operations including generating a user knowledge dataset relating to the primary topic; determining one or more prompts according to the user knowledge dataset; presenting, via the client computing device, the one or more prompts to the user; and receiving, via the client computing device, a response to the one or more prompts from the user.
G09B 7/04 - Electrically-operated teaching apparatus or devices working with questions and answers of the type wherein the student is expected to construct an answer to the question which is presented or wherein the machine gives an answer to the question presented by the student characterised by modifying the teaching programme in response to a wrong answer, e.g. repeating the question, supplying a further explanation
A method for distributing user data and permission settings is provided. The method includes receiving user inputs that identify at least one experience provider for data sharing and at least one data sharing preference of the user, configuring a rules engine of the platform computing system with rules based on the user inputs where the rules engine is configured to apply rules to implement data sharing preferences of the user, receiving a request for data of the user, transmitting the request for data of the user, receiving the applicable data of the user, providing the applicable data of the user, determining an amount of funds received from the experience provider and due to the user, and crediting an account associated with the user in the amount of the funds due to the user.
Systems and methods for monitoring and enforcing a service level agreement for an entity are provided. A system includes a scanning engine, an assessment engine, a terms repository, an agreements repository, an assessments repository, and a processing circuit. The processing circuit is configured to perform operations including: receive device connectivity data; determine an entity; identify a data set of computing resources associated with the entity; reference a service level agreement associated with the entity; parse at least one term from the service level agreement; retrieve an assessment map for the at least one parsed term, wherein the assessment map comprises a key performance indicator, a data set of actual service level values, and a response protocol; score the identified data set of computing resources associated with the entity; determine an assessed service level value; store the assessed service level value; and monitor the identified data set of computing resources.
H04L 43/0811 - Monitoring or testing based on specific metrics, e.g. QoS, energy consumption or environmental parameters by checking availability by checking connectivity
85.
DATA STREAM AUDITING, NOTIFICATION, COMPLIANCE MONITORING, AND TRANSFORMATION
Systems and techniques for data stream auditing, notification, compliance monitoring, and transformation are described herein. A data stream may be subscribed to and data may be collected from the data stream. The data may be collected by polling the data stream at a polling frequency. Sensitive data may be identified in the collected data as an audit event. Audit event data may be generated. The audit event data may be stored in an audit results data structure. A notification of the audit event may be transmitted to an owner of the data stream.
The arrangements disclosed herein relate to systems, apparatus, methods, and non-transitory computer readable media for splitting Application Security Parameters (ASP) of an application into a first number of splits, the first number of splits is identified by an Application Identifier (AID) of the application, storing each of the first number of splits and the AID in a respective one of a plurality of secure storages, retrieving a second number of splits from the plurality of secure storages using the AID, and determining the ASP by reassembling the second number of splits, wherein the application is configured to be launched or updated using the ASP.
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 facilitating operations for a user with a service entity. An example method includes receive a service entity request pertaining to the user. The example method further includes determining a service entity configuration set for the service entity and initiating a session with the service entity device. The example method further includes receiving a session establishment response from the service entity device. The example method further includes generating service entity user interface data and providing the service entity user interface data to an auxiliary device.
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 performance indicator operations are disclosed. One method includes receiving activity data of a user, wherein the activity data comprises a plurality of dimensions. The method further includes modeling the activity data utilizing one or more weights applied to the plurality of dimensions to generate a performance indicator of the user. The method further includes determining at least one action corresponding to updating the performance indicator. The method further includes generating and providing a graphical user interface (GUI) comprising an actionable element and at least one graphical representation of the performance indicator, wherein the actionable element is associated with the at least one action.
Systems, methods, and techniques herein for challenge-response protocols can include receiving, from a user device, a request for a resource. A target work capacity of the user device is determined using a machine-learning (ML) model. A proof-of-work problem is selected from a plurality of proof-of-work problems, each proof-of-work problem in the plurality of proof-of-work problems having scalable work capacity. A work capacity of the selected proof-of-work problem is scaled to utilize at least the target work capacity. The scaled proof-of-work problem is provided to the user device. A proof-of-work is received from the user device in response to the scaled proof-of-work problem. Whether the received proof-of-work is a valid solution to the scaled proof-of-work problem is determined.
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 exfiltrating an indication of a query related to a computing resource. An example method includes transmitting, by quantum generator circuitry of a transmitter device at a first time, a stream of quantum particles to a second location and monitoring, by embedded access detection circuitry of a first computing device at a second time after the first time, the computing resource for the query. The example method further includes, in an instance in which the query relating to the computing resource is detected, causing, by quantum noise generator circuitry, a microscopic change in a condition of the transmission of the stream of quantum particles, wherein the microscopic change results in a change in an error rate derived from a detection of the stream of quantum particles at the second location.
Systems, apparatuses, methods, and computer program products are disclosed for providing a device trust dashboard. An example method includes generate a device profile for a first user device associated with a user account of a user. The example method further includes determining a device trust score and an authorization rule set for the first user device and updating the device profile for the first user device. The example method further includes receiving a device trust dashboard request and performing a verification routine for the user. The example method further includes providing the device trust dashboard in an instance the user is successfully verified.
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
92.
GENERATIVE ARTIFICIAL INTELLIGENCE SYSTEM FOR IDENTIFICATION OF UNDERDEVELOPED PROFICIENCY AREAS
Systems, apparatuses, methods, and computer program products are disclosed for identification of an underdeveloped proficiency area for a user. An example method includes generating, by the mining engine, a user attribute set. The example method further includes selecting, by the mining engine and based on the user attribute set, an optimal proficiency identification model. The example method further includes generating, by the multimodal engine and using the optimal proficiency identification model, a user proficiency profile comprising one or more user proficiency areas. The example method further includes identifying, by the multimodal engine and using the optimal proficiency identification model, an underdeveloped proficiency area. The example method further includes outputting, by communications hardware and based on the identified underdeveloped proficiency area, a proficiency development recommendation.
Systems and methods for providing access rights may include a first computing system that receives a request to link an enterprise account of the first computing system to a second computing system. The first computing system may authenticate a user, receive a selection of one or more access rights, and one or more accounts of the enterprise account, via an application interface of the second computing system, and generate an access token for transmission to a computing device of the user, where the access token identifies the one or more access rights and the one or more accounts. The first computing system may transmit the access token to the computing device, to provide the computing device access to the one or more accounts according to the one or more access rights, of the first computing system, via the second computing system.
Systems, apparatuses, methods, and computer program products are disclosed for developing an optimized debt service strategy solution utilizing products across multiple product categories. An example method includes receiving, by communications hardware, a user dataset. The example method also includes processing, by surrogate modeling circuitry, the user dataset using a plurality of surrogate models. The example method also includes generating, by the surrogate modeling circuitry and based on the processing of the user dataset, a parameter estimation set. The example method also includes determining, by optimizer modeling circuitry and based on the user dataset and the parameter estimation set, at least one debt service strategy solution comprising at least one product of a first product category from a plurality of products associated with multiple product categories. The example method also includes causing presentation, by communications hardware, of the at least one debt service strategy solution.
Systems, apparatuses, methods, and computer program products are disclosed for constructing a marker to establish the identity of a digital avatar associated with an individual and linking the marker to various digital avatars representing other identities of the individual in virtual spaces. An example method includes linking the marker directly to digital avatars across virtual spaces. The example method further includes verifying identity activity of the digital avatars of the various other identities using the linked marker, and based on the verification of the identity activity, generate outputs.
Disclosed are methods, systems, and devices for facilitating secure and private communications, via a website or application of a third-party computing system (TPCS), between a user device and a service provider computing system (SPCS). The communications may be conducted via a frame in a website served by the TPCS. The TPCS may serve a website that incorporates a customizable SDK component provided by the SPCS. The communications allow the user to, for example, open a new account. The SDK component may be initialized via a script from the SPCS, and authenticated via a session token obtained from the SPCS via the TPCS. The SDK component may provide user information, input into the frame, to the SPCS via API calls to the SPCS. The user does not navigate away from the website while securely engaging the SPCS. The third-party/partner need not develop its own user interface, security protocols, etc.
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
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 67/142 - Managing session states for stateless protocolsSignalling session statesState transitionsKeeping-state mechanisms
H04L 67/51 - Discovery or management thereof, e.g. service location protocol [SLP] or web services
97.
SECURE COMMUNICATIONS VIA THIRD-PARTY SYSTEMS THROUGH FRAMES
Disclosed are methods, systems, and devices for facilitating secure and private communications, via a website or application of a third-party computing system (TPCS), between a user device and a service provider computing system (SPCS). The communications may be conducted via a frame in a website served by the TPCS. The TPCS may serve a website that incorporates a customizable SDK component provided by the SPCS. The communications allow the user to, for example, open a new account. The SDK component may be initialized via a script from the SPCS, and authenticated via a session token obtained from the SPCS via the TPCS. The SDK component may provide user information, input into the frame, to the SPCS via API calls to the SPCS. The user does not navigate away from the website while securely engaging the SPCS. The third-party/partner need not develop its own user interface, security protocols, etc.
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
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 67/142 - Managing session states for stateless protocolsSignalling session statesState transitionsKeeping-state mechanisms
H04L 67/51 - Discovery or management thereof, e.g. service location protocol [SLP] or web services
Systems and techniques may be used for multiple biometric data authentication. An example technique may include receiving first biometric data and second biometric data, optionally combining the first biometric data and the second biometric data into combined biometric data, and comparing the first and second or the combined biometric data to stored biometric reference data associated with an account of a user to generate a similarity score. The example technique may include determining whether the similarity score exceeds a threshold value, and in response to determining that the similarity score exceeds the threshold value, outputting an indication.
System and techniques to provide use constraints when distributing user interface component are described herein. A request for a user interface component is received with a call context. This call context is matched to a local use context that embodies constraints on use of the UIC. Corresponding call context values are compared to the use context to determine whether the use of the user interface component is compliant. If the use is compliant, the user interface component is served in response to the request; otherwise the user interface component is not served.
Aspects of the present disclosure include techniques for building utilization. In one example, a method includes receiving, via one or more sensors, a first sensor data indicating a work area of a first individual within a building, and receiving, via the via the one or more sensors, a second sensor data indicating a second individual entering the building. The method additionally include accessing stored data from a data store indicating the existence of a team affiliation between the first individual and the second individual, and calculating a cluster area encompassing the work area of the first individual. The method also includes assigning a second work area to the second individual, wherein second work area is disposed within the cluster area, continually monitoring, via the one or more sensors, a plurality of locations for a plurality of individuals entering the building, and assigning work areas to the plurality of the individuals.
G06Q 90/00 - Systems or methods specially adapted for administrative, commercial, financial, managerial or supervisory purposes, not involving significant data processing
