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 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
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 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
3.
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 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
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 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
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.
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.
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, 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.
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 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
G06Q 20/42 - Confirmation, p. ex. contrôle ou autorisation de paiement par le débiteur légal
H04L 9/00 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité
10.
Computer-based system to validate build integrity of software products
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.
G06F 40/40 - Traitement ou traduction du langage naturel
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
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 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
13.
SYSTEMS AND METHOD FOR INFERRED GRAPH DATA LINK ATTESTATION
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.
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
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 - Détection ou gestion de programmes malveillants, p. ex. dispositions anti-virus
G06F 21/57 - Certification ou préservation de plates-formes informatiques fiables, p. ex. démarrages ou arrêts sécurisés, suivis de version, contrôles de logiciel système, mises à jour sécurisées ou évaluation de vulnérabilité
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 - Modélisation d’entreprise ou d’organisation
G06Q 10/0631 - Planification, affectation, distribution ou ordonnancement de ressources d’entreprises ou d’organisations
G06Q 10/0637 - Gestion ou analyse stratégiques, p. ex. définition d’un objectif ou d’une cible pour une organisationPlanification des actions en fonction des objectifsAnalyse ou évaluation de l’efficacité des objectifs
17.
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.
H04W 12/104 - Intégrité de la localisation, p. ex. géolocalisation sécurisée
H04W 12/64 - Sécurité dépendant du contexte dépendant de la localisationSécurité dépendant du contexte dépendant de la proximité utilisant des zones géorepérées
H04W 84/18 - Réseaux auto-organisés, p. ex. réseaux ad hoc ou réseaux de détection
18.
Cryptographic random identification (CRID) for authentication and indentification of users
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 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
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 - Commande de la communication; Traitement de la communication caractérisés par un protocole
H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
H04L 9/00 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité
20.
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.
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 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
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 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
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 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
24.
SYSTEMS AND METHODS FOR PROCESSING THIRD-PARTY COMMUNICATIONS
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.
G06F 21/46 - Structures ou outils d’administration de l’authentification par la création de mots de passe ou la vérification de la solidité des mots de passe
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.
G07C 9/27 - Enregistrement de l’entrée ou de la sortie d'une entité isolée comportant l’utilisation d’un laissez-passer une station centrale gérant l’enregistrement
H04L 9/14 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité utilisant plusieurs clés ou algorithmes
31.
INDUSTRY TRENDS ENGINE INCORPORATED IN AN ENTERPRISE RESOURCE PLATFORM
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.
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 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
33.
SYSTEMS AND METHODS FOR A ROOT CAUSE SMART ASSISTANT
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.
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.
G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
H04L 9/14 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité utilisant plusieurs clés ou algorithmes
H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
35.
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 - Notation ou évaluation d’opérateurs commerciaux ou de produits
36.
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 - Ordonnancement ou organisation du service des demandes d'application, p. ex. demandes de transmission de données d'application en utilisant l'analyse et l'optimisation des ressources réseau requises
38.
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 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
39.
SYSTEMS AND METHODS FOR GENERATING A METAVERSE ASSET BASED ON SECURING A PHYSICAL OBJECT
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.
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
40.
SYSTEMS AND METHODS FOR REAL ASSETS INVESTMENT AND SECURITIZATION ENGINE
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.
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.
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.
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.
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.
G10L 15/26 - Systèmes de synthèse de texte à partir de la parole
G06Q 30/016 - Fourniture d’une assistance aux clients, p. ex. pour assister un client dans un lieu commercial ou par un service d’assistance après-vente
H04M 3/51 - Dispositions centralisées de réponse aux appels demandant l'intervention d'un opérateur
45.
Systems and methods for determining customer state
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 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation électromagnétique, p. ex. lecture optiqueMéthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire utilisant la lumière sans sélection des longueurs d'onde, p. ex. lecture de la lumière blanche réfléchie
G06V 10/94 - Architectures logicielles ou matérielles spécialement adaptées à la compréhension d’images ou de vidéos
G10L 25/03 - Techniques d'analyse de la parole ou de la voix qui ne se limitent pas à un seul des groupes caractérisées par le type de paramètres extraits
47.
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 - Certification ou préservation de plates-formes informatiques fiables, p. ex. démarrages ou arrêts sécurisés, suivis de version, contrôles de logiciel système, mises à jour sécurisées ou évaluation de vulnérabilité
G06F 21/53 - Contrôle des utilisateurs, des programmes ou des dispositifs de préservation de l’intégrité des plates-formes, p. ex. des processeurs, des micrologiciels ou des systèmes d’exploitation au stade de l’exécution du programme, p. ex. intégrité de la pile, débordement de tampon ou prévention d'effacement involontaire de données par exécution dans un environnement restreint, p. ex. "boîte à sable" ou machine virtuelle sécurisée
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 - Dispositifs ou appareils d'enseignement à commande électrique procédant par questions et réponses du type où l'élève doit donner une réponse à la question posée, ou bien où la machine donne une réponse à la question posée par l'élève caractérisés par une modification du programme d'enseignement à la suite d'une réponse erronée, p. ex. en répétant la question, en fournissant des explications supplémentaires
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.
G06F 16/2457 - Traitement des requêtes avec adaptation aux besoins de l’utilisateur
H04L 41/5019 - Pratiques de respect de l’accord du niveau de service
H04L 43/0811 - Surveillance ou test en fonction de métriques spécifiques, p. ex. la qualité du service [QoS], la consommation d’énergie ou les paramètres environnementaux en vérifiant la disponibilité en vérifiant la connectivité
57.
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 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
H04L 9/30 - Clé publique, c.-à-d. l'algorithme de chiffrement étant impossible à inverser par ordinateur et les clés de chiffrement des utilisateurs n'exigeant pas le secret
59.
UNIVERSAL INTEGRATED MULTI-SERVICE ENTITY MANAGEMENT SYSTEM FOR STREAMLINED OPERATIONS
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 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
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 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
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 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
64.
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.
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 - Systèmes ou méthodes spécialement adaptés à des fins administratives, commerciales, financières, de gestion ou de surveillance, n'impliquant pas de traitement significatif de données
Techniques are described for automatically configuring a target environment for a particular application or application service at an API gateway. According to the techniques, a computing device generates data representative of a user interface for display and receives a selection of a target environment for a target application from the user interface. The computing device then generates an endpoint string for service calls for the target application that indicates a route to an instance of the target application executing in the target environment. The computing devices sends a message including the endpoint string to an API gateway, wherein the message instructs the API gateway to modify an environment mapping for the target application in accordance with the endpoint string such that the environment mapping causes the API gateway to send the service calls for the target application to the instance of the target application executing in the target environment.
Systems, apparatuses, methods, and computer program products are disclosed for optimizing an item partitioning benefit. An example method includes detecting, by detection circuitry, a user visit event at an establishment that is associated with a user attribute set. The example method further includes determining, by a multimodal engine and based on the user attribute set, a user digital identity wallet comprising one or more user digital identities associated with a benefit set. The example method further includes, identifying, by a selection engine, one or more candidate items, and determining for each candidate item, by the selection engine and using a digital identity selection model, an optimal user digital identity indicative of an optimal item partitioning benefit. The example method further includes generating, by the selection engine and using the digital identity selection model, a candidate item partitioning set, and outputting, by communications hardware, a verification request.
Aspects of the present disclosure include systems and methods for receiving as input a large data file, and partitioning the large data file into a plurality of smaller partitioned data files. The methods further include generating, for each partitioned data file, a data schema based on an automated analysis of each partitioned data file, and generating a control file for each partitioned data file containing a record count. The methods also include loading, via a cloud loading system, each partitioned data file into a data store external to the cloud loading system based on the data schema, and validating that the data store has received all records in each of the partitioned data files based on the control file, wherein the cloud loading system is provided as a user-configurable cloud loading component used for developing a computer program.
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 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
H04L 67/142 - Gestion des états de session pour les protocoles sans étatÉtats des sessions de signalisationSignalisation des états de sessionMécanismes de conservation d’état
H04L 67/51 - Découverte ou gestion de ceux-ci, p. ex. protocole de localisation de service [SLP] ou services du Web
75.
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 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
H04L 67/142 - Gestion des états de session pour les protocoles sans étatÉtats des sessions de signalisationSignalisation des états de sessionMécanismes de conservation d’état
H04L 67/51 - Découverte ou gestion de ceux-ci, p. ex. protocole de localisation de service [SLP] ou services du Web
76.
Systems and methods for incorporating supplemental shape information in a support vector machine
Systems, apparatuses, methods, and computer program products are disclosed for training and utilizing a shape-restricted support vector machine (SR-SVM). An example method includes receiving a training dataset, and selecting, by a training engine, a set of shape restrictions, the set of shape restrictions including a shape restriction for each feature in the training dataset. The example method further includes training, by the training engine, the SR-SVM using the training dataset and the selected set of shape restrictions, wherein training the SR-SVM produces a shape-restricted hyperplane that defines a decision boundary separating a first class of data points in the training dataset from a second class of data points in the training dataset. The trained SR-SVM may then be utilized in a number of ways.
G06N 20/10 - Apprentissage automatique utilisant des méthodes à noyaux, p. ex. séparateurs à vaste marge [SVM]
G06F 18/211 - Sélection du sous-ensemble de caractéristiques le plus significatif
G06F 18/2411 - Techniques de classification relatives au modèle de classification, p. ex. approches paramétriques ou non paramétriques basées sur la proximité d’une surface de décision, p. ex. machines à vecteurs de support
A method includes receiving a protection request for an exchange and generating a metadata object including a plurality of outputting attributes for outputting. The method further includes generating a protected NFT including a link with the metadata object. The protected NFT is encapsulated within a control structure that restricts an output of the metadata object. The method further includes signing the protected NFT using at least one of a first private key or a second public key. The method further includes transmitting the signed protected NFT to the remote device and continuously monitoring the exchange. The method further includes detecting, by the control structure, at least one outputting attribute of the plurality of outputting attributes is satisfied and, in response to detecting the at least one outputting attribute is satisfied, outputting at least a portion of the output.
Systems, apparatuses, methods, and computer program products are disclosed for mitigating threats using artificial intelligence. An example method includes: obtaining, via communications hardware of a threat manager, a piece of data; determining, by a threat identification engine of the threat manager, that the piece of data is a threat; and causing, by a remediation engine of the threat manager and in response to the determination, execution of a threat remediation action. The threat remediation action comprises at least one of: publishing an emergency remediation statement addressing the threat, transmitting a takedown request to remove the threat from a threat source, or ignoring the threat.
A method may include receiving, over a network interface, a login request from a requesting computing device, the login request associated with a user account; detecting a location of the requesting computing device; generating using a processing unit, an authorization code; transmitting the authorization code to a code receiving device, the code receiving device associated with the user account; detecting a location of the code receiving device; comparing, using the processing unit, the location of the requesting computing device to the location of the code receiving device; determining, based on the comparing, the location of the requesting computing device and the location of the code receiving device are different; and generating an authorization response to the login request based on the determining.
Disclosed is an approach that enables generation of parameterized digital tokens for unique tags in, for example, digital payment platforms. The unique tags may be agnostic to accounts, such that they do not require changes to administration or ownership of existing accounts, which may be held at different institutions.
G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
A method includes receiving a protection request for an exchange and generating a metadata object including a plurality of outputting attributes for outputting. The method further includes generating a protected NFT including a link with the metadata object. The protected NFT is encapsulated within a control structure that restricts an output of the metadata object. The method further includes signing the protected NFT using at least one of a first private key or a second public key. The method further includes transmitting the signed protected NFT to the remote device and continuously monitoring the exchange. The method further includes detecting, by the control structure, at least one outputting attribute of the plurality of outputting attributes is satisfied and, in response to detecting the at least one outputting attribute is satisfied, outputting at least a portion of the output.
Systems and methods for a resources balancing tool are provided. A method includes: coupling, by a governing institution computing system, to a plurality of resource tracking devices associated with a plurality resource repositories; monitoring, by the governing institution computing system, resource availability across the plurality of resource repositories based on information received from the plurality of resource tracking devices; predicting, by the governing institution computing system, a resource amount in a resource repository of the plurality of resource repositories based on the monitored resource availability across the plurality of resource repositories; determining, by the governing institution computing system, that the predicted resource amount in the resource repository satisfies a threshold; and transmitting, by the governing institution computing system, a message based on the predicted resource amount in the resource repository satisfying the threshold.
The arrangements disclosed herein relate to systems, apparatus, methods, and non-transitory computer readable media for recovering a first key by decrypting encrypted key using a master key, determining a first seed using the first key and a first Identifier (ID) identifying a first device, determining a second seed using the first key and a second ID identifying a second device; and distributing the first seed and the second seed to each of the first device or the second device. Each of the first device or the second device generates a data key using a key derivation function based on the first seed and the second seed. Each of the first device or the second device encrypts or decrypts data using the data key.
H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
An electronic online system is configured to access a set of scheduled payments; determine a set of payees from the set of scheduled payments, the set of scheduled payments to be made using a non-electronic payment mode; access a set of billers; calculate a set of redirection billers based on a match of payees from the set of payees with billers from the set of billers, wherein billers in the set of redirection billers support electronic payment modes; and schedule electronic payments for the set of redirection billers using the set of electronic payment processors.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
Various examples are directed to computer-implemented systems and methods for providing a home lending data control product. A method includes receiving data from one or more data sources, and constructing a configuration framework for ingesting, conforming and curation of data processing of the received data. Confirmation of receipt and correct format of the data is provided based on the configuration framework. The method also includes determining that the data has not been modified in transit, and confirming that the data is from a proper timeframe based on a file header or content of the data. The method further includes determining that the data has not been previously processed based on a comparison with previously processed data, transforming a format of the data based on the configuration framework and based on the one or more data sources, and storing the data in a data lake configured for centralized processing.
Systems, apparatuses, methods, and computer program products are disclosed for classical-quantum encryption and decryption. An example method for classical-quantum encryption includes receiving, by communications hardware, a symmetric key and a plaintext message, generating, by a function generator, an analytic function using the symmetric key and the plaintext message, computing, by a cryptography unit, a ciphertext based on a Taylor series expansion of the analytic function, and outputting the ciphertext. An example method for classical-quantum decryption, the method includes receiving, by communications hardware, a symmetric key and a ciphertext, deriving, by a cryptography unit and using a quantum computer, an analytic function using the ciphertext, generating, by a function generator, a plaintext message using the analytic function and the symmetric key, and outputting the plaintext message.
The present disclosure is directed to systems, methods, and non-transitory computer-readable media for generating a first signature on a first certificate of the plurality of certificates using a first digital signature generation algorithm based on a first private key. The first signature is validated by a relying party device using a first public key in certificate chain validation. The first public key and the first private key form a first public/private key pair. A second signature is generated on a second certificate of the plurality of certificates using a second digital signature generation algorithm based on a second private key. The second signature is validated by the relying party device using a second public key in the certificate chain validation. The second public key and the second private key form a second public/private key pair. The relying party device uses a third public key in the second certificate to verify a third signature on signed data. The relying party device includes a classical computer having at least one processor that processes bits.
H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
88.
System and methods for determining preferred data sources using data quality scores
Systems, apparatuses, methods, and computer program products are disclosed for obtaining data. The data may be obtained from a variety of data sources. In order to determine the preferred data source for obtaining the data, data quality scores may be computed and assigned to each data source of interest for a given implementation. Each data quality score may take into account several criteria including the computing resources required to obtain the data, the financial cost of obtaining the data, the security risk of obtaining the data, etc. Data may be obtained from the preferred data source, presented to a user associated with the data for verification, and processed in order to provide a computer-implemented services to the user.
G06F 16/215 - Amélioration de la qualité des donnéesNettoyage des données, p. ex. déduplication, suppression des entrées non valides ou correction des erreurs typographiques
G06F 16/25 - Systèmes d’intégration ou d’interfaçage impliquant les systèmes de gestion de bases de données
Systems and methods for providing a data lineage are described. According to some examples, a method may include receiving a source dataset corresponding to a use case scenario. The method may further include classifying the source dataset based on the use case scenario to create a classified dataset and then applying a set of data processing rules to the classified dataset to create a curated dataset. The method may further include receiving a reporting data object indicating a relationship between the source dataset and the curated dataset. The relationship can describe a data lineage of the source dataset. The method may further include outputting display data associated with the reporting data object.
Systems and techniques for cloud security posture management are described herein. Cloud configuration data is obtained for a security asset of a cloud computing environment. The cloud configuration data is evaluated by a machine learning processor using a requirements control model to output a probability of a misconfiguration of the security asset. A mitigation action is generated for the security asset based on the probability of the misconfiguration being within a threshold. A cloud security configuration policy is updated for the security asset using the mitigation action and the mitigation action is transmitted to the security asset to modify a cloud configuration of the security asset.
H04L 41/16 - Dispositions pour la maintenance, l’administration ou la gestion des réseaux de commutation de données, p. ex. des réseaux de commutation de paquets en utilisant l'apprentissage automatique ou l'intelligence artificielle
91.
SYSTEMS AND METHODS FOR COMPUTING SHAPLEY ADDITIVE VALUES USING MODEL STRUCTURE INFORMATION
Systems, apparatuses, methods, and computer program products are disclosed for computing a Shapley additive explanation (SHAP) value ϕi using model structure information. An example method includes receiving a model ƒ(x) that uses a vector of features x as input, where the model has a known functional decomposition and generating, using the known functional decomposition, a set of lower order terms ƒv(xv), where a lower order term from the set of lower order terms takes a subset of the features as input, where a sum of the set of lower order terms equals the model ƒ(x). The example method further includes computing a set of lower-order SHAP values ϕi(ƒv) for the set of lower order terms and computing the SHAP value ϕi for the model based on a sum of the set of lower-order SHAP values.
Systems, apparatuses, methods, and computer program products are disclosed for monitoring and tracking technical engagements between digital resources. An example method includes deploying a machine learning monitoring application to a computing environment comprising one or more of a computing device or a network channel and detecting an engagement metric associated with a target technology of the computing environment and a user account of the computing environment. The example method further includes generating name-value pair data representative of the engagement metric, the user account, and a timestamp token and generating a technical engagement score representative of a probability of a successful utilization of the target technology by the user account. The example method further includes initializing an actionable instruction set based on a comparison of the technical engagement score to a technical engagement threshold.
G06Q 30/016 - Fourniture d’une assistance aux clients, p. ex. pour assister un client dans un lieu commercial ou par un service d’assistance après-vente
A method for an interactive communication session includes receiving a request regarding a commitment associated with a user; initiating an interactive communication session with a user device; generating a prompt for inclusion in the interactive communication session, the prompt including a first question regarding an expected duration of a hardship; providing the prompt in the interactive communication session such that the prompt is provided via the user device; receiving a reply to the prompt from the interactive communication session; analyzing the reply to determine a confidence of the user in satisfying a modified commitment included with the prompt; comparing the confidence to a predefined confidence threshold; iteratively repeating the receiving, analyzing, and comparing processes until a determined confidence of the user meets or exceeds the predefined confidence threshold; and transmitting an updated term for the user based on the iterative process to the user device.
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G10L 15/183 - Classement ou recherche de la parole utilisant une modélisation du langage naturel selon les contextes, p. ex. modèles de langage
G10L 25/63 - Techniques d'analyse de la parole ou de la voix qui ne se limitent pas à un seul des groupes spécialement adaptées pour un usage particulier pour comparaison ou différentiation pour estimer un état émotionnel
Systems, apparatuses, methods, and computer program products are disclosed for securing communications between an initiating device and a participating device. An example method includes obtaining audio to be provided to the participating device; embedding a token using steganography in the audio to obtain embedded audio; modifying the embedded audio based on a content concealment scheme to obtain an audio package that conceals content of the audio; and providing the audio package to the participating device.
G10L 19/018 - Mise en place d’un filigrane audio, c.-à-d. insertion de données inaudibles dans le signal audio
H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
An example computer system for managing incident tickets 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 ticket generation engine programmed to automate generation of automated incident tickets associated with issues associated with computing devices, the ticket generation engine populating a cause of an issue for each of the automated incident tickets; and a ticket management engine programmed to receive the automated incident tickets and manual incident tickets generated manually, the ticket management engine standardizing the automated incident tickets and the manual incident tickets to create clusters of the issues associated with the computing devices.
H04L 41/5074 - Traitement des plaintes des utilisateurs ou des tickets d’incident
G06F 18/23213 - Techniques non hiérarchiques en utilisant les statistiques ou l'optimisation des fonctions, p. ex. modélisation des fonctions de densité de probabilité avec un nombre fixe de partitions, p. ex. K-moyennes
G06F 18/2413 - Techniques de classification relatives au modèle de classification, p. ex. approches paramétriques ou non paramétriques basées sur les distances des motifs d'entraînement ou de référence
G06N 5/01 - Techniques de recherche dynamiqueHeuristiquesArbres dynamiquesSéparation et évaluation
H04L 41/16 - Dispositions pour la maintenance, l’administration ou la gestion des réseaux de commutation de données, p. ex. des réseaux de commutation de paquets en utilisant l'apprentissage automatique ou l'intelligence artificielle
A system includes at least one processing circuit having at least one processor coupled to at least one memory device. The at least one processing circuit performs operations including: storing data regarding a plurality of transaction parties; receiving, from a user device, data regarding a transaction request for a transaction between a first party and a second party, the data including a first set of party characteristics associated with the first party; verifying the first set of party characteristics based on determining that the first party is one of the plurality of transaction parties; determining that at least one characteristic of the first set of party characteristics is incorrect based on comparing the first set of party characteristics with the data regarding the plurality of transaction parties; and causing the user device to display a notification indicating that the at least one characteristic is incorrect.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/42 - Confirmation, p. ex. contrôle ou autorisation de paiement par le débiteur légal
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
97.
DRONE ELECTRONIC MESH FOR ONLINE NETWORK SERVICES (DEMONS)
The arrangements disclosed herein relate to systems, apparatus, methods, and non-transitory computer readable media for a network of plurality of roving cryptography devices. Each of the plurality of roving cryptography devices includes a locomotion system configured to move each of the plurality of roving cryptography devices to a respective one of a plurality of locations of the plurality of roving cryptography devices, a network interface circuit configured to provide wireless communication services to a user device of a plurality of user devices through a network of the plurality of roving cryptography devices, and a cryptography service system configured to provide cryptographic material to the user device. The plurality of roving cryptography devices at the plurality of locations form the network for providing the wireless communication services and the cryptographic materials to the plurality of user devices.
H04L 67/12 - Protocoles spécialement adaptés aux environnements propriétaires ou de mise en réseau pour un usage spécial, p. ex. les réseaux médicaux, les réseaux de capteurs, les réseaux dans les véhicules ou les réseaux de mesure à distance
H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
98.
SYSTEMS AND METHODS FOR ASSET ESCHEATMENT PREVENTION
Systems, apparatuses, methods, and computer program products are disclosed for asset escheatment prevention. An example method includes determining, based on a jurisdiction dataset, a dormancy status for at least one asset associated with a first digital user account. The example method also includes causing, during the dormancy period, transmission of an authentication credential request through a first digital channel to a first user device associated with the first digital user account. The example method also includes authenticating a first user associated with the first digital user account based on an authentication credential set received from the first user device in response to the authentication credential request. The example method also includes automatically performing, in response to an affirmative indication received from the first user device, a first action for the at least one asset on behalf of the user, wherein performance of the action facilitates owner-generated activity for the asset.
A computer system and method for securely migrating on-premise data sources to a cloud platform. The method comprises identifying a source of record from which data is extracted, transformed, and loaded into a load-ready format. Load-ready data is then stored in a network-attached storage with encryption for secure access. Upon detecting the load-ready data via a file polling sensor, a registration directed acyclic graph (DAG) is initiated to register and validate the data within an operational database. A scanning DAG inspects the data for sensitive information, such as personally identifiable information (PII). If sensitive information is detected, a classification DAG identifies specific data elements, and a de-identification DAG encrypts or masks these elements. The de-identified data is then stored in secure cloud storage, where access is enabled within the cloud platform. A monitoring portal provides real-time status updates for the directed acyclic graphs, enhancing oversight of data security processes during migration.
Systems, apparatuses, methods, and computer program products are disclosed for post-quantum cryptography (PQC). An example system includes a PQC smartcard. The smartcard may include a a set of virtual machines (VMs) and each VM of the set of VMs is configured to perform a PQC cryptographic technique. The example system further includes communications circuitry configured to detect an interaction with the PQC smartcard and receive an updated set of PQC cryptographic techniques. The example system further includes processing circuitry configured to update the set of VMs based on the updated set of PQC cryptographic techniques.
G06F 9/455 - ÉmulationInterprétationSimulation de logiciel, p. ex. virtualisation ou émulation des moteurs d’exécution d’applications ou de systèmes d’exploitation
