Abstract: A message is monitored to determine whether a response is required based on message compliance regulations. The monitoring of the message comprises automatically identifying one or more parts of the message that are not relevant to the monitoring of the message based on the message compliance regulations; automatically excluding the one or more parts of the message that are not relevant from the monitoring of the message based on the message compliance regulations; identifying content in a part of the message that is not excluded from the monitoring of the message that can indicate that a response is required based on the message compliance regulations. When the content that can indicate that a response is required based on the message compliance regulations is discovered in the part of the message that is not excluded from the monitoring of the message, the message is automatically designated for further analysis.

Abstract: A computer system includes one or more processors and machine readable storage media coupled to the one or more processors having instructions stored therein that cause the computer system to: receive a payment request packet from an Internet of Things (IoT) device; extract a signature of the payment request packet that includes metadata; identify a firmware update status from the metadata of the signature; determine that the IoT device has a first version of the firmware installed on the IoT device based on the firmware update status; cause a second version of the firmware to be installed on the IoT device in response to determining the IoT device has the first version of the firmware; and initiate a transaction based on the payment request packet responsive to the second version of the firmware being installed on the IoT device.

Abstract: Risk associated with end-user computing tools can be discovered automatically. Machine learning and other approaches can be employed to automate discovery of risk associated with end-user computing tools. In one instance, a machine learning model can be constructed and fine-tuned through training that can classify end-user computing tools in terms of risk. The risk can be of a particular type, such as financial or reputational risk, and extent, such as high or low. In another instance, end-user computing tools can be subject to automatic clustering and subsequent risk assessment. Mitigation action can be performed to reduce risk associated with high-risk end-user computing tools.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for managing operation of a distributed system that provides computer-implemented services. An example method includes collecting, via an out-of-band stream, sensor data from a plurality of temperature sensors positioned to infer temperatures of components of a distributed system. The example method further includes inferring, using the inferred temperatures, power consumption rates for performing respective actions with each of the components. The method further includes obtaining an action request and selecting, based on the inferred power consumption rates, a particular component of the components to perform an action to service the action request, the selection being made with a preference to reduce power consumption for performance of the action.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for automated generation and validation of a data dictionary. An example method includes automatically generating a data dictionary based on one or more reference term tokens of a database query. The example method further includes validating the data dictionary by generating, based on the database query and the data dictionary, a skeleton query, and determining, based on the skeleton query, a validation status of the data dictionary.

Abstract: A biometric electronic signature authenticated key exchange (“BESAKE”) token processing system. The system includes a storage location having a plurality of biometric reference templates. The system further includes an authentication computing system having a processor and instructions. The instructions configured to cause the authentication computing system to receive a signing party identifier and the BESAKE token from a signing party. The BESAKE token having a biometric sample encrypted using an encryption key. The instructions further configured to generate a decryption key and decrypt the encrypted biometric sample from the BESAKE token. The instructions further configured to match the biometric sample with a biometric reference template and transmit to a biometric service provider computing system a match request. The instructions further configured to determine a signing party identity via a binary match value.

Abstract: Systems, methods, and apparatuses for providing a central location to manage permissions provided to third-parties and devices to access and use user data and to manage accounts at multiple entities. A central portal may allow a user to manage all access to account data and personal information as well as usability and functionality of accounts. The user need not log into multiple third-party systems or customer devices to manage previously provided access to the information, provision new access to the information, and to manage financial or other accounts. A user is able to have user data and third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal. The user is able to impose restrictions on how user data is used by devices, applications, and third-party systems, and control such features as recurring payments and use of rewards, via a central portal.

Abstract: An automated teller machine (ATM) allows a user with accounts at both a first institution and a second institution to use an ATM of the first institution to physically place cash or a check into the ATM of the first institution for deposit into an account at the second institution. In some cases, a failed attempt message may indicate a funds transfer failed due to a network connectivity issue, an inactive payee account, or an expired payee account number. In case of a network connectivity issue, the funds transfer may be reinitiated. In case of an inactive payee account or expired payee account number, funds may be transferred to the first account instead of the second account. The ATM may display an indication of the failed attempt and a confirmation of a transfer to the first account.

Abstract: A method includes receiving, from a customer device while the customer device depicts a login page for an account, information regarding the customer device including a customer device token and information regarding the contactless card including an encrypted contactless card token that is received by the customer device from a contactless communication with the contactless card; authenticating, while the customer device depicts the login page for the account, a customer associated with the contactless card based on the information regarding the customer device, an indication that the customer has logged into the customer device, and the information regarding the contactless card by: decrypting the encrypted contactless card token; identifying the customer; verifying that the customer is logged in to the customer device; and providing access to the account by sending an instruction to the customer device to display online account information in place of the login page.

Abstract: A method for coordinating billing requests and payments across different financial institutions includes receiving an electronic enrollment request by a biller exchange computing system from a customer computing device; displaying an interactive control on a user interface of the customer computing device configured to collect customer authentication data for the biller; transmitting the customer authentication data to a remote computing system associated with the biller; causing the remote computing system to generate a customer-biller account authentication token that authorizes the biller exchange computing system to perform financial transactions with the biller on behalf of the customer; and authenticating, by the biller exchange computing system, a transaction request received from the customer computing device for a transaction between the customer and the biller based on the customer-biller account authentication token.

Abstract: A computer system includes a token repository configured to store payment tokens, and a server system. The server system includes a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to receive a request to provision a payment token based on a financial product, wherein the request includes information related to the financial product, provision a payment token based on the token request, including authenticating the financial product based on the financial product information and generating the payment token upon authenticating the financial product, wherein the payment token is useable to make a payment via the financial product, and store the payment token in the token repository.

Abstract: A computer-implemented method performed by a depository computing system includes receiving a check deposit and a withdrawal request associated with a customer account of a customer where the customer account is associated with a first amount and the withdrawal request comprises a second amount greater than the first amount, forwarding an inquiry message regarding the check deposit to a paying computing system, determining real time account status information of a payor account of a payor, and authorizing in real time relative to when the real time account status information is accessed, the withdrawal request for the second amount where the authorization occurs prior to settlement of the check deposit.

Abstract: Disclosed is an approach for generating interactive visualizations for multi-nodal transfers that may involve terminal nodes and multiple transitional nodes by using various protocols to acquire data from computing systems or devices associated with each node. A first visualization layer comprising a set of geographic or physical indicators in a multi-nodal transfer route (which comprises a set of three or more nodes) may be generated. API protocols (and/or non-API protocols) corresponding to each node in the transfer route may be identified. The protocols may be executed to obtain, from computing systems and devices associated with the nodes, data packets used to generate a second visualization layer, which may comprise graphics that visually depict details of a transfer along the transfer route. An overlay of visualization layers may be displayed such that the graphics are displayed in association with multiple nodes.

Abstract: A system and method for card control includes a card control computing system configured to enforce a card control rule based upon transactions made with a payment card. The card control computing system includes a memory unit configured to store information associated with a card control dashboard, and a processing unit configured to cause presentation of the card control dashboard via a display associated with a remote computing device, such that the card control dashboard is associated with the payment card and the card control rule. The card control dashboard includes a user interface. The processing unit is further configured to receive an input via the user interface to activate or deactivate one or more features associated with the card control rule, and trigger the card control rule based upon the one or more features that are activated or deactivated.

Abstract: In some examples, a landing device is configured to be disposed within a container receptacle of a pneumatic transport system, the landing device comprising: a landing platform defining a landing surface for a container of the pneumatic transport system, the landing platform comprising: a first material configured to at least partially deform in response to the container impacting the landing surface; and a second material disposed over the first material, the second material configured to facilitate removal of the container from the container receptacle; and a base mechanically connected to a second surface of the landing platform, the base configured to secure the landing device to the container receptacle, wherein the landing device is configured to be inserted into the container receptacle without removing one or more components of the container receptacle.

Abstract: A method for managing a communication session includes receiving a request to perform a task. The task is divided into one or more steps. One or more user devices are identified that can be used to perform one or more of the steps. One or more communication channels are identified that are available to the one or more user devices. The communication session is permitted to switch from one or more of the user devices and communication channels to complete the one or more steps of the task while maintaining a continuity of the communication session.

Abstract: A method includes receiving a request to open an account associated with a customer, information regarding the account, and a mobile device identifier. The mobile device identifier is received from a third-party computing system based on a first wireless communication between the mobile device and the third-party computing system. The method includes validating the mobile device as belonging to the customer based on the received mobile device identifier and binding the mobile device identifier to the customer based on the validation. The method includes establishing the account for the customer based on the received information regarding the account and generating a token for the account. In response to establishing the account and generating the token, the token is provided to the third-party computing system and provisioned to the validated mobile device via a second wireless communication between the mobile device and the third-party computing system.

Abstract: A data structure is specialized in efficiently representing a key-value pair in a highly optimized way. The data structure is a pointer in a traversal graph that takes advantage of constant time traversal for all operations. The data structure has specific instructions for inserting data nodes, router nodes, and how the expansion or collapse of the graph works. The data structure can be applied where the time to get the result back is most prominent. The data structure can be used to reduce the memory footprint to reach the data that is being searched and achieve a worst-case time complexity in constant time.

Abstract: Systems and methods that facilitate operational support for network infrastructures are discussed. The disclosed system and method facilitate a unified view of the current state of the network and networked devices including real-time log monitoring and for providing metrics for long term system planning. One such method can include the acts of automatically discovering a device deployed on a network, receiving device and network related data in real-time, determining whether a device is authorized, terminating device network access, filtering device data, validating device configuration, configuring a device and providing an output for use by a user. The disclosed system and method can be utilized, for example, to reduce the time involved in troubleshooting and resolving network issues, for establishing a baseline for network performance and for network capacity planning.