Abstract: A method for implementing transactions includes receiving, by a first computing system, a transaction request from a second computing system, the transaction request indicating a first account number that is an alias of a transaction account having a second account number, and specifying a transaction. The method further includes determining the second account number by referencing a data structure that associates the first account number and the second account number, determining a verification policy associated with the second account number, and transmitting a verification challenge based on the verification policy. The method yet further includes receiving a response to the verification challenge, determining to authorize the transaction request based on the response to the verification challenge, and implementing the transaction involving the transaction account specified by the transaction request.

Abstract: A financial institution computing system associated with a financial institution includes a network interface configured to communicate data over a network, and a processing circuit comprising a memory and a processor. The memory has instructions stored thereon that cause the processor to receive, by the network interface, a content request from a user computing device associated with a user, the content request requesting content from a network destination, determine if the network destination is associated with a trusted entity, determine that the requested content prompts the user to input sensitive information, and transmit, by the network interface substitution content to the user computing device responsive to determining that the network destination is illegitimate and to determining that the requested content includes at least one field into which the user may input sensitive information, the substitution content including at least one prompt requesting the user to input sensitive information.

Abstract: According to one example arrangement, a computer implemented method performed by a computing system, includes identifying a user device associated with a user. Authentication information regarding the user indicative of use of the user device is captured. A confidence level for the user is dynamically adjusted based on the authentication information. The confidence level is responsive to the use of the user device by the user.

Abstract: A method, apparatus, and system of activating and using a contactless card are disclosed. A method includes receiving a transaction card application for a contactless transaction card from an applicant; issuing a contactless transaction card based on the transaction card application, wherein the contactless transaction card comprises a uniform resource locator (URL) embedded thereon; and activating the contactless transaction card in response to receiving information from a contactless communication between the contactless transaction card and a customer device, wherein the contactless communication causes access to a web site associated with the URL.

Abstract: An example computing device is programmed to: (a) detect an attempt to secondarily access a user account, the user account being involved in an ongoing primary financial session with a primary device; (b) raise the level of authentication required to secondarily access the user account beyond that which was required to access the account for the primary financial session; (c) when successful authentication at the raised level is achieved, permit secondary access to the user account through a secondary financial session and compare one or more user activities occurring during the secondary financial session to a plurality of fraud profiles; and (d) indicate fraud when comparison of the user activity is consistent with one or more of the plurality of fraud profiles.

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: An authorization level is set at enrollment. The authorization level can be determined based on user identity and a class of authentication. The class of authentication can be associated with strength of authentication related to a channel employed to enroll a user for access to products or services. Authorization level can also be determined based on initiation information regarding the user, a device of the user, or both. Access to the products or services can be selectively controlled based on the authorization level.

Abstract: Examples described herein relate to media, apparatuses and methods. In an embodiment, a digital funding group for transactions initiated by a user via a user computing device is established. Information relating to a prospective transaction is received via a client application. The client application monitors a system idle timer of the user computing device and resets the system idle timer at predetermined time intervals, thereby maintaining the user computing device in active mode. The client application performs an electronic search for a sponsorship opportunity related to the at least one prospective transaction, generates a displayable result set comprising at least one prospective sponsor; renders the displayable result set, and responsive to a user selection of a particular sponsor from the displayable result set, causes the particular sponsor to be added to the digital funding group.

Abstract: Examples described herein relate to apparatuses and methods of determining an optimal viewing layout of a content item on a computing device based on user preference data. The method includes receiving a request for a content item associated with an account of a user. The method includes selecting a template having a set of elements for generating a content item. The method includes selecting a content item dataset associated with the content item. The method includes generating layout data based on the content item dataset and the selected template. The method includes sending the layout data, causing operations comprising assembling the content item for display in an application based on the layout data, and gathering user preference data in response to an interaction of the user with the displayed content item. The method includes updating the template based on the user preference data.

Abstract: Subscriber identity modules can be bound to devices and utilized for authentication. An initial or additional subscriber identity module can be bound to a user device, for instance after successful user authentication by way of an alternate mechanism. A subscriber identity module of a device can be identified, and carrier data associated with the subscriber identity module can be requested and received. A determination can be made regarding whether the subscriber identity module is linked to the device, for instance by an original linkage. A user profile can be automatically updated with the carrier data to bind the user to the user device based on the subscriber identity module when the subscriber identity module is verified to be linked to the user device. Subsequently, the subscriber identity module can be utilized as a basis for authentication.

Abstract: A computer-implemented method includes receiving, by a federated identity computing system, identity information from a customer; receiving, by the computing system, preferences for the identity information from the customer, wherein the preferences govern distribution of the identity information to requesting parties; generating, by the computing system, a key specific to the customer; and provisioning, by the computing system, the key to an identification chip associated with the customer. The computer-implemented method further includes receiving, by the computing system, the key and a request for one or more pieces of the identity information from a requesting party and providing, by the computing system, the requested one or more pieces of identity information to the requesting party based on the key and the preferences.

Abstract: A method implemented on an electronic computing device for arranging activities for one or more individuals using an autonomous vehicle (AV) includes receiving a request from a first individual for the AV. An action is initiated to provide the AV to the first individual. One or more activities are provided for the first individual to perform during a trip using the AV. A detection is made as to when the first individual completes one of the one or more activities. A cost of the trip is adjusted based on a completion of the one of the one or more activities.

Abstract: An example method includes receiving an encrypted biometric enrollment data and user identifier data. The encrypted biometric enrollment data includes at least one biometric enrollment sample from a user encrypted using an encryption key. The encryption key is generated based on a user secret and the user identifier is associated with the user. The user identifier is matched with a stored user secret. A decryption key is generated based on the stored user secret. The encrypted biometric enrollment data is decrypted using the decryption key. The at least one biometric enrollment sample is retrieved from the decrypted biometric enrollment data. The at least one biometric enrollment sample is processed using a biometric processing algorithm to generate a biometric reference template. A biometric reference template identifier uniquely identifying the biometric reference template is generated. An encryption key is generated based on the stored user secret and encrypts an enrollment confirmation message.

Abstract: Provided is relative multifactor authentication for interactions between users and one or more entities. Relative multifactor authentication includes monitoring a set of attributes associated with a user during an interaction between the user and the entity. The set of attributes include at least two of a behavioral attribute, a health attribute, a geospatial attribute, and a device attribute. Relative multifactor authentication also include comparing respective parameters of attributes of the set of attributes with expected parameters and determining an authentication status based on the comparison and weighted values assigned to respective attributes of the set of attributes. The user is selectively authenticated to begin to continue the interaction based on the authentication status.

Abstract: A modular vehicle system includes a plurality of vehicle modules with at least one autonomous vehicle module. A request from a user located at a user location specifies a plurality of the vehicle modules. The user location is specified, and a module location is determined for each of the specified vehicle modules. Based on the request, the specified modules are retrieved from the module locations, and assembled into a configured vehicle. The configured vehicle is located at a dispatch location. The configured vehicle is then dispatched from the dispatch location to the user location.

Abstract: Systems, methods, and other embodiments associated with event triggered policies are described herein. According to one embodiment, a system for event triggered policies includes an analytics engine and an implementation logic. The analytics engine includes a trigger logic and a monitor logic. The trigger logic stores event definitions. An event definition corresponds to an event. The monitor logic monitors personal factors related to the event. The analytics engine is configured to determine whether the personal factors satisfy the event definition. The analytics engine also selects a policy from the policies based, at least in part, on the event definition. The implementation logic implements the selected policy.

Abstract: A financial institution computing system associated with a financial institution includes a network interface configured to communicate data over a network, and a processing circuit comprising a memory and a processor. The memory has instructions stored thereon that cause the processor to receive, by the network interface, a content request from a user computing device associated with a user, the content request requesting content from a network destination, determine if the network destination is associated with a trusted entity, determine that the requested content prompts the user to input sensitive information, and transmit, by the network interface substitution content to the user computing device responsive to determining that the network destination is illegitimate and to determining that the requested content includes at least one field into which the user may input sensitive information, the substitution content including at least one prompt requesting the user to input sensitive information.

Abstract: An example computing device is programmed to: (a) detect an attempt to secondarily access a user account, the user account being involved in an ongoing primary financial session with a primary device; (b) raise the level of authentication required to secondarily access the user account beyond that which was required to access the account for the primary financial session; (c) when successful authentication at the raised level is achieved, permit secondary access to the user account through a secondary financial session and compare one or more user activities occurring during the secondary financial session to a plurality of fraud profiles; and (d) indicate fraud when comparison of the user activity is consistent with one or more of the plurality of fraud profiles.

Abstract: Methods and systems of authenticating a user based on an event, such as a natural disaster, a gathering of people, and mass activities of people. The method comprises recognizing, by a financial institution computing system, an event; receiving, by the financial institution computing system, a transaction request of a user; determining, by the financial institution computing system, that the user is associated with the recognized event; adjusting, by the financial institution computing system, authentication rules for the user; and processing, by the financial institution computing system, the transaction request for the user based on the adjusted authentication rules.

Abstract: A fraud analysis computing system is provided. The system includes a network interface configured to communicate data over a network and a processing circuit including one or more processors coupled to non-transitory memory. The processing circuit is configured to monitor incoming call data generated during an incoming call between a user and an incoming caller, detect a fraud trigger within the incoming call data, and complete a fraud interception activity in response to detection of the fraud trigger.