Abstract: Various examples are directed to secure communications for mobile wallet applications. A first mobile wallet application may send a content request describing a first offering to a wallet management system. The first mobile wallet application may receive from the wallet management system first merchant web content describing the first offering. The first merchant web content may be verified by the wallet management system and may comprise first address data describing a first address of a first merchant payment gateway. The first mobile wallet application may send payment data to the first merchant payment gateway at the first address. The payment data may indicate a payment amount for the first offering.

Abstract: Systems, methods and computer program products are provided for layered quantum computing (QC) detection. An example system includes QC detection data generation circuitry that generates QC detection data via a first post-quantum cryptographic (PQC) technique. The system also includes cryptographic circuitry configured to generate a pair of asymmetric cryptographic keys including a public cryptographic key and a private cryptographic key via a second PQC technique, generate encrypted QC detection data based on the pair of asymmetric cryptographic keys, and destroy the private cryptographic key. The system further includes data monitoring circuitry configured to monitor a set of data environments for electronic information related to the encrypted QC detection data. In response to detection of the electronic information related to the encrypted QC detection data, the system may monitor a set of data environments for electronic information related to the QC detection data.

Abstract: Systems, methods, and computer program products are provided for disparate quantum computing (QC) detection. An example system includes QC detection data generation circuitry that generates a first set of QC detection data and generates a second set of QC detection data. The system also includes cryptographic circuitry that generates a first public cryptographic key and a first private cryptographic key via a first post-quantum cryptographic (PQC) technique and generates a second public cryptographic key and a second private cryptographic key via a second PQC technique. The cryptographic circuitry further generates encrypted first QC detection, second QC detection data, and destroys the first private cryptographic key and the second private cryptographic key. The system further includes data monitoring circuitry that monitors for the first encrypted QC detection data and the second encrypted QC detection 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: Systems, apparatuses, methods, and computer program products are disclosed for post-quantum cryptography (PQC). An example method includes receiving data, a set of data attributes about the data, and a risk profile data structure indicative of a vulnerability of the data in a PQC data environment. The example method further includes retrieving PQC cryptographic performance information associated with a set of PQC cryptographic techniques. The PQC cryptographic performance information may comprise a set of PQC cryptographic performance attributes for each PQC cryptographic technique in the set of PQC cryptographic techniques. The example method further includes selecting a PQC encryption algorithm for encrypting the data based on the set of data attributes, the risk profile data structure, the PQC cryptographic performance information, and a PQC optimization machine learning model. Subsequently, the example method includes encrypting the data based on the selected PQC encryption algorithm.

Abstract: A distributed system includes a user device that is configured to identify a service provided by a service device; determine a specific amount of funds associated with the service; send, to a lending device, a real-time loan request associated with a loan, where the real-time loan request specifies at least an identifier of the user device and the specific amount of funds for the loan; receive, from the lending device, a digital token that specifies usage restrictions that are associated with (i) an approved amount of funds, (ii) a duration of the loan, and (iii) a payee associated with the service device; and send, to the service device, a real-time transaction request for the service provided by the service device, where the real-time transaction request includes the digital token that is redeemable by the payee associated with the service device for the approved amount of funds for the loan.

Abstract: A computer-implemented method includes receiving, by a mobile wallet computing system, information relating to a usable object from a party and provisioning, by the mobile wallet computing system, the usable object to a mobile wallet associated with a user. The computer-implemented method further includes receiving, by the mobile wallet computing system, one or more rules relating to the usable object from the party, wherein the one or more rules define an activation condition for the usable object such that when the activation condition is fulfilled the usable object is active in the mobile wallet of the user; determining, by the mobile wallet computing system, whether the activation condition is fulfilled; and in response to the activation condition for the usable object being fulfilled, activating, by the mobile wallet computing system, the usable object in the mobile wallet of the user.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of delivering cash to a subscriber of a cash delivery service by way of a courier. In another aspect, collection of cash from a subscriber by a courier is contemplated. Conversely, the subscriber prearranging to pick up cash at a kiosk is contemplated. For these and like embodiments, network servers host a cash delivery application and users/couriers utilize the application as clients.

Abstract: The innovation disclosed and claimed herein, in one 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: The innovation discloses systems and methods of mirroring a User Interface (UI) of an Automatic Teller Machine (ATM) on a Display screen in a Vehicle (DIV) or mobile Device in Vehicle (DIV) of an occupant of a vehicle which stops in close proximity to the ATM for a financial transaction. The innovation can employ an App (or application) installed in the DIV, smart software installed in the ATM, and Service Support Servers (SSS) in a cloud or bank network. A Device Management Server (DMS) manages the SSS and acts as a gateway between the ATM and SSS. A multi-level (e.g., three level) authentication/authorization can be employed whereby 1) the DIV and ATM are verified and connected to a secure network, 2) the user is verified, and 3) the dispersal of funds into the cabin of the vehicle is authorized.

Abstract: Disclosed in some examples are methods, systems, and machine readable mediums which provide a store credit issued electronically to a mobile wallet application from a merchant. This credit may be issued to a mobile wallet in the form of an enhanced wallet payment element. This enhanced wallet payment element may include the terms and conditions (e.g., repayment terms) of the credit (e.g., a digital/smart contract). The customer may accept or reject these terms. For example, when the customer accepts the terms, the enhanced wallet payment element digitally signs the agreement and indicates acceptance to the merchant mobile wallet system (e.g., sends the digital signature to the merchant). Once accepted, the enhanced wallet payment element may be utilized to pay for goods or services subject to the terms and conditions.

Abstract: An example method includes sending a request for performance information associated with one or more candidate devices with which a device may perform a new transaction, responsive to sending the request, receiving the performance information that includes data associated with at least one historical transaction previously performed by the one or more candidate devices, analyzing the performance information using one or more device-specific performance criteria defined by the device, wherein the one or more device-specific performance criteria are associated with the new transaction and/or the candidate devices, determining, based on the analyzing, rating information associated with the candidate devices, wherein the rating information is customized for the device using the device-specific performance criteria that are defined by the device, selecting, based on the rating information, a particular candidate device from the one or more candidate devices, and initiating, with the particular candidate device, pe

Abstract: An example method for processing an electronic statement includes: receiving a biller identifier, the biller identifier being known to a payer; populating the biller identifier in the electronic statement, the electronic statement being an electronic document including financial information; encrypting the electronic statement including the biller identifier; sending the encrypted electronic statement including the biller identifier to the payer; and receiving authorization from the payer to make a payment identified in the electronic statement.

Abstract: This disclosure is directed to techniques that include presenting various investment options in a graphical representation of a map. In one example, a method includes collecting information about a user; determining a geographical area expected to be familiar to the user; outputting a map illustrating a plurality of travel plans within the geographical area, each travel plan being associated with an investment option, and wherein the map illustrates each of the travel plans with a travel vehicle corresponding to an investment vehicle and a travel time corresponding to an investment timeframe; receiving an indication of input interacting with the map; identifying a selected travel plan from among the plurality of travel plans within the geographical area; and determining a selected investment option, wherein the selected investment option is the investment option associated with selected travel plan.

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: Using augmented reality (AR) to display information regarding products and services that are comparable or related to a product or service that a user of the AR device is viewing or may consider purchasing. For example, in response to scanning a particular product, an AR device may display one or more products comparable or related to the scanned product. These products may be presented to the user as a digital visualization wall of products, wherein the digital visualization wall is dynamically rendered in real-time and viewable from the AR device.

Abstract: Various methods are provided for quantum computing (QC) based code-optimization. One example method may comprise identifying one or more runtime hotspots in executed code based on one or more QC algorithms and application performance monitoring, evaluating performance of the one or more runtime hotspots, selecting one QC algorithm for each identified runtime hotspot of the one or more identified runtime hotspots, and for each identified runtime hotspot, testing the selected QC algorithm to optimize the identified runtime hotspot.

Abstract: A computer-implemented method for providing a recommended payment account includes receiving location information from a mobile device of a user having one or more payment accounts provided by a financial institution computer system, and determining a location of the user relative to a merchant based on the location information. The method also includes, based on the location of the user relative to the merchant, determining that a payment account recommendation should be sent to the user, including a recommended payment account for use in a payment transaction with the merchant and an incentive offer for using the recommended payment account in the payment transaction, determining the recommended payment account based on an expected financial impact to the user, generating the incentive offer, and sending the incentive offer and the recommended payment account to the mobile device of the user.

Abstract: An example method includes sending a request for performance information associated with one or more candidate devices with which a device may perform a new transaction, responsive to sending the request, receiving the performance information that includes data associated with at least one historical transaction previously performed by the one or more candidate devices, analyzing the performance information using one or more device-specific performance criteria defined by the device, wherein the one or more device-specific performance criteria are associated with the new transaction and/or the candidate devices, determining, based on the analyzing, rating information associated with the candidate devices, wherein the rating information is customized for the device using the device-specific performance criteria that are defined by the device, selecting, based on the rating information, a particular candidate device from the one or more candidate devices, and initiating, with the particular candidate device, pe

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