Abstract: Embodiments of the invention are directed to a system, method, or computer program product for assessing network authentication requirements based on situational instance. In this regard, the invention dynamically determines specific user authentication requirements for accessing a service or executing an activity based on the determining the user's network connections, geographic location, and applications, in real-time. The invention provides a novel method for employing activity data provided by a plurality of users associated with historical activity information to vary the authentication requirements dynamically. Another aspect of the invention is directed to constructing geographic maps with predefined physical areas and overlaying graphical representations of activity data on the maps, in real-time.

Abstract: Systems, computer program products, and methods are described herein for predictive use of resources across a dispersed Internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to determine a resource utilization profile associated with a first user; receive an indication from the first user to improve the resource utilization profile; initiate a first user interface, wherein the first user interface comprises one or more target resource utilization profiles associated with one or more users; receive a first user selection of a target resource utilization profile associated with the resource utilization profile that the first user wishes to change; determine one or more access paths associated with the at least one target resource utilization profile; and display on the first user computing device the one or more access paths to enable the first user to achieve the at least one target utilization profile.

Abstract: Systems, computer program products, and methods are described herein for access to a resource across a dispersed Internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to receive an indication from a user to access a resource; display a first user interface on the user computing device, wherein the first user interface further comprises an option for the user to establish an authorization profile; receive a user acknowledgement to establish the authorization profile; determine one or more access paths associated with an authorization model to enable the user to establish the authorization profile; and display a second user interface on the user computing device, wherein the second user interface comprises the one or more access paths associated with the authorization model to enable the user to establish the authorization profile.

Abstract: A system for monitoring resource utilization and electronic validation includes an entity system having a network communication interface and a memory device storing a resource monitoring and utilization application and a resource application. A processing device is operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to: determine based on the utilization of the resource application to initiate the resource monitoring and utilization application; initiate the resource monitoring and utilization application; and transmit an electronic validation that a transaction executed by the resource application is complete.

Abstract: A system for monitoring resource utilization and optimization includes an entity system having a network communication interface and a memory device storing a resource monitoring and utilization application and a resource application. A processing device is operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to: determine based on the utilization of a resource application and/or a physical transaction related to the resource application to initiate the resource monitoring and utilization application; initiate the resource monitoring and utilization application to transmit information about the resource application to a user device.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing a permanently affixed un-decryptable coded identifier onto a mobile device. The identifier may be one or more applications, pictures, widgets, tokens, or the like that may be transformed into an identifier to include the objects original functionality plus additional coding. The identifier, once selected by the user may be coded to include a tracker, beacon, and coded with remote access abilities. The identifier may then be permanently installed onto the user's mobile device. As such providing a trackable code associated with a mobile device, if the mobile device is misplaced. Furthermore, the identifier may be permanently stored within the mobile device preventing complete erasing of the identifier upon complete data deletion of the user device.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for a passive based security escalation to shut off of applications on a mobile device based on rules. As such, the system may identify, via extraction of data, time periods correlating to events that the user may be offline or inactive with respect to his/her mobile device. Once the time periods are identified, rules are created for the level of security escalation required based on the event. Subsequently, a trigger is identified at a time leading up to the event, where the system integrates with the mobile device and requires additional authentication to access one or more applications. Once the offline event starts, the system initiates a shutdown of the functions of one or more applications on the user's mobile device. The system then reinstates the application functionality after the offline event has ended.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for aiding with purchase inquiries through an optical head-mounted display in a wearable computer. An exemplary apparatus is configured to receive information captured by the wearable computer; transmit, to at least one database, the received information including a primary identifier and at least one secondary identifier; retrieve, from at least one database, detailed information related to the first item of interest and the at least one additional item of interest, where the detailed information is associated with the primary identifier and the at least one secondary identifier; and present, on the optical head-mounted display in the wearable computer, the detailed information related to the first item of interest and the at least one additional item of interest, in a comparison format.

Abstract: Embodiments of the invention comprise systems, computer program products, and methods for generating a response to a user search. User input is received to create a household profile, wherein the household profile comprises information related to the members of the household. The user also provides a search for information in which the user may be interested. The household profiles may be utilized along with the search, and with other information, such as user profile information, account information, or dynamic contextual questions to provide search results or updated search results, and dynamic contextual information or updated dynamic contextual information for tailoring the search results to the user. The user may select which households, which individuals in the households, and/or information about the individuals to use in the search. As such, the search results for the user may be more tailored to the results in which the user is interested.

Abstract: The present invention provides for managing communication of data from Internet-connected devices, such as those devices within an IoT environment. Specifically, the invention provides automated determination of which devices are communicating to which third-party entities and, in some embodiments, the type of data being communicated to such third-party entities. Once such information is known, the third-party entity can be automatically placed into a designated third-party category, which defines the type of data that the third-party entity is authorized to receive. In addition, a user can manage the communications from such devices by selecting to prohibit (i.e., block) or limit, based on data type, which data is communicated to which third-party entities. Additionally, the identity of the third-party entities can be authenticated/verified, such that if the third-party entity cannot be verified, communication of data to that entity is blocked or limited.

Abstract: The present disclosure describes a tiered identification federated authentication network system. Embodiments compile one or more authentication credentials required for access to each of a plurality of applications to generate an authentication set for each application. The system may aggregate the plurality of authentication sets to form a tiered federated authentication module having multiple rankings, wherein each rank is associated with an authentication set; wherein a higher ranked authentication set corresponds to more stringent authentication credentials and a lower ranked authentication set corresponds to less stringent authentication credentials. The system may receive a request from a user for access to a current application, determine if the user has previously authenticated to a higher ranked application and, if so, enable access to the current application, without requiring the user to authenticate again.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for providing a record of an interactive conference, such as a video conference. The systems, methods, and computer program products determine that an operative connection has been established between a user device of a user and a system associated with a representative of a financial institution, such that the user and the representative are conducting a conference; identify a document referenced during the conference; capture at least a portion of the conference in a record; associate the document with the record; and store the record. Customers of financial institutions desire to have records of their interactions with representatives of the financial institution and the embodiments of this invention assist the customer in maintaining and organizing those records.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for assessing network authentication requirements based on situational instance. In this regard, the invention dynamically determines specific user authentication requirements for accessing a service or executing an activity based on the determining the user's network connections, geographic location, and applications, in real-time. The invention provides a novel method for employing activity data provided by a plurality of users associated with historical activity information to vary the authentication requirements dynamically. Another aspect of the invention is directed to constructing geographic maps with predefined physical areas and overlaying graphical representations of activity data on the maps, in real-time.

Abstract: The present disclosure describes a tiered identification federated authentication network system. Embodiments compile one or more authentication credentials required for access to each of a plurality of applications to generate an authentication set for each application. The system may aggregate the plurality of authentication sets to form a tiered federated authentication module having multiple rankings, wherein each rank is associated with an authentication set; wherein a higher ranked authentication set corresponds to more stringent authentication credentials and a lower ranked authentication set corresponds to less stringent authentication credentials. The system may receive a request from a user for access to a current application, determine if the user has previously authenticated to a higher ranked application and, if so, enable access to the current application, without requiring the user to authenticate again.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for authorizing access based on authentication via a separate channel. In this way, the invention generates and utilizes tokenized identification of user authentication into third party systems to confirm the user identification and subsequently allow authentication into an application based on receipt of the token. As such, the system creates a three way communication linkage for resource transfer which leverages the user's authentication via the merchant system. The system positions a generated token with a merchant. Once a user is identified as authenticated into a merchant system, geo-location, or other application authentication, the token is coded to distribute back to the system. The system may then allow user or merchant access to resource holdings associated with the user for distribution to the merchant without additional user authentication.

Abstract: Systems, methods, and computer program products are described herein that provide for notifying a malfeasance specialist of a malfeasance detection based on identification of a device signature. Monitoring devices may monitor devices in a location for device signatures that are known to be associated with malfeasance. Upon detecting the presence of a device signature associated with malfeasance, a specialist may be notified of the detection so that the specialist may take appropriate actions in response to the detection.

Abstract: Disclosed is a system for escalating security protocol requirements. The system typically includes a processor, a memory, and a security protocol module stored in the memory.

Abstract: Systems, methods and computer program products for allocation of resources based on event triggers are provided. As an example, the system receives a set of electronic guidelines outlining scheduled allocation of resources based on detection of trigger events, where the resources are transferred electronically from a source to a destination. The system parses the electronic guidelines into a set of event triggers associated with resource allocations and monitor activities associated events related to allocation resources. From the monitoring, the system identifies a triggering event in the activities that is associated with a resource allocation as defined in the electronic guidelines and transfers an allocation of the resources electronically from the source to the destination based on the triggering event.

Abstract: Systems, computer program products, and methods are described herein for a mobile device data security system. The present invention is configured to establish a communication link with the mobile device; receive, via the established communication link, information associated with one or more third-party applications stored on the mobile device; initiate a scan, via the established communication link, to determine whether the one or more third-party applications are associated with a malicious code; transmit control signals, via the established communication link, configured to cause the data security application to begin running in the background of the mobile device in response to determining that the one or more third-party applications are associated with the malicious code; and initiate, via the data security application, one or more actions to be executed on the mobile device of the user, wherein the one or more actions limit one or more functionalities of the mobile device.

Abstract: Systems, methods, and computer program products are described herein that provide for identifying a need of a customer and providing selectable specialist meeting reservations with the customer based on the overall work-flow of an entity's offices, and the availability of relevant specialists that can address the need of the customer.