Abstract: Systems, apparatuses, methods, and computer program products are disclosed for gathering performance information for post-quantum cryptography (PQC) is provided. An example method includes generating, by a quantum computing (QC) detection data generation circuitry, QC detection data and encrypting, by a PQC cryptographic circuitry and by a first neural network, the QC detection data based on a PQC technique, where the first neural network is trained to encrypt the QC detection data using the PQC technique. The example method further includes decrypting, by a PQC decryption circuitry and by a second neural network, the encrypted QC detection data wherein the second neural network is trained to decrypt data, and storing encryption metadata and decryption metadata as PQC cryptographic performance information associated with the PQC technique.

Abstract: Various examples are directed to computer-implemented systems and methods for providing an automated data agent monitoring bot. A method includes receiving, by a processor of a computer, input from a user requesting monitoring of user data generation and access on an application or website. The processor analyzes terms of service of the application or website where the user data is used or generated, and programs a monitoring bot configured to monitor the user data based on the terms of service and the received input. The monitoring bot tracks third-party access to the user data based on the terms of service, notifies the user regarding the tracked third-party access, and provides options to the user to control or monetize the tracked access to the user data.

Abstract: Embodiments of the present disclosure provide for improvements in managing connection channels for multiple associated users. As connection channel changes occur for one or more users, various connection channels are updated such that appropriate functionality is accessible as determined based on aspects of the connection channel change.

Abstract: Disclosed in some examples are devices, systems, and machine readable mediums for establishing peer to peer mobile wallet communications (P2PMW) over short range wireless communication networks. These P2PMW communications allow exchange of information between two wallet clients. Example communications include payments, providing identification, providing loans, and the like. The use of P2PMW communications opens up the prospect of anyone accepting payment from anybody else at any time. All that is needed is a computing device with a mobile wallet. Example short range wireless communications include Wireless LANs (WLAN) such as WIFI (e.g., communicating according to an Institute for Electrical and Electronics Engineers (IEEE) 802.11 family of standards), BLUETOOTH® or the like.

Abstract: The innovation disclosed and claimed herein, in me aspect thereof, comprises systems and methods of funds transfer authentication. The authentication can include receiving a transfer request to transfer funds from a payer to a payee, the transfer request identifies the payer, the payee, and an amount to transfer. Customer information associated respectively with the payer and the payee is identified. The payer and the payee are authenticated. A communication session is opened between the payer and payee. A time-limited payee OTP is generated and sent to the payee. The payee OTP is received within a first time limit. The funds are transferred from the payer to the payee based on receiving a matching payee OTP.

Abstract: Disclosed herein are embodiments of systems and methods for locally conducting delegated authentication at edge nodes. In an embodiment, an edge node of a managed network receives, from an authentication system, authentication information for a user. The edge node stores the authentication information. The edge node receives, from a user device associated with the user, an authentication request that includes presented authentication information. The edge node determines whether one or more authentication criteria are met for the authentication request, and if so performs a set of authenticating operations. The one or more authentication criteria includes the presented authentication information matching the stored authentication information. The set of authenticating operations includes authenticating the user with respect to the managed network, as well as establishing an authenticated session for the user at the edge node.

Abstract: Methods, apparatuses, and computer program products are disclosed for currency control. An example point-of-sale (POS) device for use with physical currency notes includes a scanning system configured to generate physical currency data associated with one or more physical currency notes and a controller operably coupled with the scanning system. The controller is configured to generate digital currency data based upon the physical currency data. The digital currency data includes a digital representation of the physical currency notes. The controller further determines one or more selected physical currency notes for destruction based upon the digital currency data and may query a currency attribute database that includes one or more currency attributes associated with the physical currency notes. The POS device also includes a currency destruction mechanism that causes destruction of the selected physical currency notes.

Abstract: Provided herein are identification of a distributed denial of service attack and automatic implementation of preventive measures to halt the distributed denial of service attack. At substantially the same time as the attack, valid users/customers (e.g., devices) are provided quality of service and continued access to a website experiencing the distributed denial of service attack. Further, service to temporary or unknown users (e.g., devices) with public access to the website is suspended during the duration of the distributed denial of service attack.

Abstract: A method may include, receiving, at a server device and from a requesting computing device associated with a requesting user, a request for a data item. The data item configured may be configured as a data structure and include an encrypted data payload; metadata identifying a source of the payload and when the data payload was captured; and a token identifying an owner of the data item and access rights to the data item. The method may include parsing he token to identify the owner of the data item; transmitting the request for the data item to a computing device associated with the owner; receiving a response from the computing device. The response may indicate the requesting user may access the data item, and in response, transmit a decryption key to the requesting computing device for the encrypted data payload. The method may include updating the token.

Abstract: Systems and methods may generally include sending an executable application, which when executed, automatically causes a monetary transfer. An example method may include performing, at a first user device, a handshake with a second user device, receiving, during the handshake, an operating capability of the second user device, and configuring, based on the operating capability of the second user device, an executable application, which when executed, automatically causes a monetary transfer to occur. The configured executable application may be sent to the second user device for execution.

Abstract: A method may include receiving, by a sensor in a modular banking environment an identification a computing device associated with a user, the environment including a set of physical components associated with banking functionality; detecting a user physically entering the environment based on the receiving; receiving an input associated with a transaction request from the user via a virtual reality device in the modular banking environment; transmitting a command to the set of physical components based on the transaction request; configuring the set of physical components according to the command to facilitate the transaction; determining, based on the transaction request that a second user is needed to complete the transaction request; transmitting a connection request to a computing device of the second user to connect the second user with the first user; and based on the connection request being accepted, displaying a representation of the second user within the environment.

Abstract: Potentially fraudulent documents can be identified automatically and flagged for further review. Document fraud detection can include a number of fraud detection tests, where if the document fails any of the tests, the document can be flagged for further review. Various tests can be performed that seek to determine whether a document has been altered. In one instance, a financial instrument can be scanned and analyzed to identify one or more layers associated with the financial instrument from a scanned representation, and a check of transaction details can be triggered when the financial instrument is associated with multiple layers.

Abstract: Various systems and methods are provided for quantum computing based optimization of an efficient frontier determination. One exemplary method may comprise identifying one or more filtered portfolio optimization factor data based on one or more portfolio optimization factor data, QC algorithms, and algorithm performance information, selecting one QC algorithm for each filtered portfolio optimization factor data of the one or more filtered portfolio optimization factor data, and utilizing the selected QC algorithm to optimize an efficient frontier determination for each identified filtered portfolio optimization factor data.

Abstract: Disclosed in some examples are devices, systems, and machine readable mediums for establishing peer to peer mobile wallet communications (P2PMW) over short range wireless communication networks. These P2PMW communications allow exchange of information between two wallet clients. Example communications include payments, providing identification, providing loans, and the like. The use of P2PMW communications opens up the prospect of anyone accepting payment from anybody else at any time. All that is needed is a computing device with a mobile wallet. Example short range wireless communications include Wireless LANs (WLAN) such as WIFI (e.g., communicating according to an Institute for Electrical and Electronics Engineers (IEEE) 802.11 family of standards), BLUETOOTH® or the like.

Abstract: Provided herein is a holistic fraud cocoon that protects a user from incoming or outgoing fraud and phishing communications by capturing, analyzing and either altering, discarding or presenting communications to the user. For example, the holistic fraud cocoon captures all incoming sources (mail, in-person visits, phone, TV, radio, newspapers and internet) and the actions performed by the user, triggered by those sources. Certain actions are held in a queue to be reviewed, validated and acted upon by a third party before the actions are executed.

Abstract: A user device and a server conduct a secure online transaction. The user device transmits received user login and credentials to the server, as well as one or more properties of the user device, such as a list of applications stored on the user device. The server transmits one or more restrictions back to the user device, such as which ports to close, which applications to close, and what features of applications and the operating system should be limited during the transaction. After implementing the restrictions, the user device and the server conduct the online transaction. A unique ID may be transmitted throughout the transaction and the unique ID may be a hash. After the transaction, the user device purges transaction data, restores normal operation, and notifies the server. The transaction may be conducted in a second tunnel and the other communication via a first tunnel.

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: A method, apparatus, and computer program product for alternative payment transactions are provided. An example computer-implemented method includes receiving a first request for payment associated with a first transaction that includes one or more first payment parameters and generating an initial payment responsive to the first request for payment based upon the first payment parameters. The computer-implemented method also includes determining first alternative payment data based upon first payment attribute data of a first user associated with the first transaction. The first payment attribute data is associated with non-cash liquid assets of the first user. The computer-implemented method additionally includes modifying the initial payment based upon the first alternative payment data and effectuating the modified initial payment from a first user account associated with the first user in satisfaction of the first transaction.

Abstract: Systems, methods, and apparatuses for facilitating augmented reality (AR) rewards are described herein. The system includes a sensor network configured to transmit and receive sensor data within an environment. A first user device associated with a first user and a second user device associated with a second user are configured to communicate with the sensor network and determine a position and an entity positioning characteristic of the first user and the second user, respectively. A computing device is configured to receive the sensor data including the position and entity position characteristics of the first and second users. The computing device is also configured to determine a behavior of the first and second users based on the received data. The computing device is also configured to generate a plurality of reward tokens. Each of the reward tokens is associated with a behavior characteristic.

Abstract: Disclosed in some examples are methods, systems, and machine readable mediums for providing P2P lending through mobile wallets. The P2P lending may utilize a central registry or be a fully distributed P2P system. In some examples, the use of a network accessible P2P loan service may simplify the discovery and communication with other mobile wallets throughout the process of obtaining a loan.