Abstract: Disclosed in some examples are methods, systems, devices, and machine-readable mediums which provide a wearable device, such as a smart ring, that provides feedback to guide users in performing physical tasks. Tasks may include tasks associated with an application executing on a mobile device of the user.

Abstract: Disclosed in some examples are methods, systems, devices, and machine-readable mediums which provide a wearable device, such as a smart ring, that provides feedback to guide users in performing physical tasks. Tasks may include tasks associated with an application executing on a mobile device of the user.

Abstract: Disclosed in some examples are methods, systems, devices, and machine-readable mediums which provide a wearable device, such as a smart ring, that provides feedback to guide users in performing physical tasks. Tasks may include tasks associated with an application executing on a mobile device of the user.

Abstract: A system for configuring and executing a secure communication network for authorizing access to safeguarded resources is provided. In particular, the system uses person-to-person (P2P) authentication technology to securely transmit resources between users. In this way, an efficient way to for users to manage resources is provided.

Abstract: Method and apparatus for allowing the changing of security values and consent data is provided. The security values allow for dynamically changing the security level and ease of access associated with performing specific transactions on specific accounts. The consent data may be pushed or pulled and when stored, may be used for future transactions, of both the same or a different type. The changing of security levels and consent data may be accomplished over the internet using mobile devices over both secure and non-secure networks.

Abstract: An augmented reality user device includes a display, a physical identification verification engine, a gesture confirmation engine, and in interface. The display overlays a virtual file document onto a tangible object. The physical identification verification engine receives biometric data for a witness and confirms the witness's identity. The display displays a gesture motion from the signor. The gesture capture engine captures a gesture motion from the witness. The gesture capture engine generates a witness digital signature based on the captured gesture motion from the witness. The gesture capture engine generates a witness transfer token, the witness transfer token comprising the witness digital signature based on the captured gesture from the witness and the witness identity confirmation token. The interface communicates the witness transfer token to a server.

Abstract: A method for enhancing customer authentication and consent for finalizing an offer to a customer of a product and/or a service is provided. The method may include using a first receiver to receive an authentication request from an initiator. The authentication request may include a customer name and a customer phone number. The method may also include using a first processor to generate a pin number and transmit the pin number to the customer phone number. The pin number may include an identifier associated with the product and/or service. The method may further include using a second receiver, included in a mobile phone, to receive the pin number, and using a second processor, included on the mobile phone, to authenticate the pin number. The authentication may include verifying a match between the customer phone number and a mobile phone number associated with the mobile phone.

Abstract: Method and apparatus for a system to harden digital consents. The system uses an evaluation of geographic locations, transaction times, and device identities to control the upload of consent data. Evaluations occur using numerous techniques including MAC address evaluation, IP address evaluation, meta-data evaluation, and physical location of restricted equipment such as ATMs and kiosks. Reliability of consent data entered into the system may be enhanced by strictly evaluating geographic locations, transaction times, and/or device identities.

Abstract: Method and apparatus for a system to harden digital consents. The system uses an evaluation of geographic locations, transaction times, and device identities to control the upload of consent data. Evaluations occur using numerous techniques including MAC address evaluation, IP address evaluation, meta-data evaluation, and physical location of restricted equipment such as ATMs and kiosks. Reliability of consent data entered into the system may be enhanced by strictly evaluating geographic locations, transaction times, and/or device identities.

Abstract: Systems and methods leverage metadata to pin a digital consent to a particular customer. Metadata may include any information known about the customer. The systems and methods correlate the metadata with metadata gathered during the consent process. Metadata gathered during the consent process may include mobile phone profiles, biometrics, social-media attributes, etc. The systems and methods may utilize metadata to authenticate contemporaneously with obtaining consent. A browser-based tool may enable customers to use their mobile device to “sign” for their consent by clicking yes/no or other electronic selection. Such a tool may tie a customer's “consent” to their respective Party ID. This enables and preserves an after-the-fact record the customer has received, and consented to, the proper disclosures. The customer may receive a one-time authorization code transmitted to their mobile device which they enter into the website to ensure that this is truly their device while they provide consent.

Abstract: Method and apparatus for allowing the changing of security values and consent data is provided. The security values allow for dynamically changing the security level and ease of access associated with performing specific transactions on specific accounts. The consent data may be pushed or pulled and when stored, may be used for future transactions, of both the same or a different type. The changing of security levels and consent data may be accomplished over the internet using mobile devices over both secure and non-secure networks.

Abstract: Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a telephone agent support computer system associated with a telephone agent channel, an authentication request for a user account. The computing platform may generate a set of one or more authentication prompts based on a set of authentication rules defined for the telephone agent channel and may provide the set of one or more authentication prompts generated based on the set of authentication rules defined for the telephone agent channel. Subsequently, the computing platform may validate one or more responses to the set of one or more authentication prompts. Based on validating the one or more responses, the computing platform may provide user account information associated with the user account to the telephone agent support computer system associated with the telephone agent channel.

Abstract: Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a mobile device, an authentication request for a user account and may generate one or more authentication prompts. Subsequently, the computing platform may provide the one or more authentication prompts and may validate responses to the authentication prompts. Based on validating the responses to the authentication prompts, the computing platform may generate one or more security questions based on historical information associated with the user account. Subsequently, the computing platform may provide the one or more security questions and may validate one or more responses to the one or more security questions. Based on validating the one or more responses to the one or more security questions, the computing platform may provide user account information associated with the user account to the mobile device.

Abstract: A system for configuring and executing a secure communication network for authorizing access to safeguarded resources is provided. In particular, the system uses person-to-person (P2P) authentication technology to securely transmit resources between users. In this way, an efficient way to for users to manage resources is provided.

Abstract: According to certain embodiments, an authentication system comprises memory operable to store instructions and processing circuitry operable to execute the instructions, whereby the authentication system is operable to receive first user data depicting a facial expression of a first user, authenticate the first user based on the first user data, and restrict the first user from performing an operation in response to determining that the operation requires authenticating at least one other user in addition to authenticating the first user.

Abstract: According to certain embodiments, an authentication system comprises memory operable to store instructions and processing circuitry operable to execute the instructions, whereby the authentication system is operable to provide a prompt for a user to make a set of facial expressions according to an authentication pattern. The authentication system is further operable to receive user data depicting the set of facial expressions and determine a confidence level based on comparing the user data to validation data. The validation data depicts previously validated facial expressions associated with the user and arranged according to the authentication pattern. The authentication system is further operable to authenticate the user in response to a determination that the first confidence level exceeds a first pre-defined threshold.

Abstract: According to certain embodiments, an authentication system comprises memory operable to store instructions and processing circuitry operable to execute the instructions, whereby the authentication system is operable to provide a stimulus that causes an involuntary facial movement of a user. The authentication system is further operable to receive user data in response to the stimulus. The user data depicts the involuntary facial movement of the user. The authentication system is further operable to perform authentication based on comparing the user data to validation data associated with the user. The validation data comprises a previously validated depiction of the involuntary facial movement caused by exposing the user to the stimulus.

Abstract: Method and apparatus for allowing the changing of security values and consent data is provided. The security values allow for dynamically changing the security level and ease of access associated with performing specific transactions on specific accounts. The consent data may be pushed or pulled and when stored, may be used for future transactions, of both the same or a different type. The changing of security levels and consent data may be accomplished over the internet using mobile devices over both secure and non-secure networks.

Abstract: An augmented reality user device includes a display, a physical identification verification engine, a gesture confirmation engine, and in interface. The display overlays a virtual file document onto a tangible object. The physical identification verification engine receives biometric data for a witness and confirms the witness's identity. The display displays a gesture motion from the signor. The gesture capture engine captures a gesture motion from the witness. The gesture capture engine generates a witness digital signature based on the captured gesture motion from the witness. The gesture capture engine generates a witness transfer token, the witness transfer token comprising the witness digital signature based on the captured gesture from the witness and the witness identity confirmation token. The interface communicates the witness transfer token to a server.

Abstract: Method and apparatus for a system to harden digital consents. The system uses an evaluation of geographic locations, transaction times, and device identities to control the upload of consent data. Evaluations occur using numerous techniques including MAC address evaluation, IP address evaluation, meta-data evaluation, and physical location of restricted equipment such as ATMs and kiosks. Reliability of consent data entered into the system may be enhanced by strictly evaluating geographic locations, transaction times, and/or device identities.