Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for dynamic analysis and detection of transformed transient data in a distributed system network. The system is structured for validating, determining and evaluating temporal data transformations associated with technology resource components across iterations of technology applications for maintaining backward compatibility. The system comprises an execution module structured for executing technology resource components in a plurality of testing technology environments concurrently. The system further comprises an analysis module structured for evaluating iterations of a first technology resource component by comparing the transformed first testing output with the transformed second testing output to determine modifications to the first iteration of the first technology resource component in the second iteration of the first technology resource component that succeeds the first iteration.

Abstract: Embodiments of the present invention provide a system for executing multiple events in response to receiving a video and extracting identity and contact information from that video. A video showing multiple individuals associated with the multiple events is analyzed by splitting the video into individual frames and identifying unique faces in the video. A facial recognition process and an image hashing process are then applied to generate image hashes for each individual. These image hashes are then compared to known, stored image hashes to determine an identity and contact information for each individual. Once this information is collected, the system executes the multiple events based on the determined information about each individual.

Abstract: A system configured for managing a split transaction is disclosed. The system receives a request from a first user device associated with a first user to initiate a split transaction session between the first, second, and third users. A first user device associated with the first user includes second contact information associated with the second user. A second user device associated with the second user includes third contact information associated with the third user. The system receives an API request from the first user device to retrieve a third user profile. The system sends a request to the second user device to retrieve the third user profile. The second user device retrieves the third user profile and sends it to the system. The system retrieves the second and third user profiles and adds them to the split transaction session. The system conducts the split transaction session.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for authentication of user activities based on establishing communication links between network devices. The invention is structured for dynamically authenticating transmitted activity processing data based on establishing seamless electronic communication handshake between network devices and without requiring user intervention. Specifically, the invention is structured to establish an operative communication link between the second networked device and the user device, wherein establishing the operative communication link comprises establishing a handshake between an entity intelligent platform associated with the second networked device and the multi-channel cognitive resource platform of the user device. Moreover, the invention is structured to authenticate the first activity for based on the identified code match.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for dynamic stepped multi-level authentication. The invention is structured for progressively authenticating transmitted activity processing data over escalating authentication levels using electronic communications between network devices over separate communication channels. Specifically, the invention is structured to authenticate the first activity for a first authentication level based on determining a spatial congruence of the user device and the resource instrument device associated with the first activity. Moreover, the invention is structured to trigger a second authentication level requirement above the first authentication level based on at least the first authentication level and resource activity processing data.

Abstract: Methods, systems, and computing platforms for mobile data communication are disclosed. Processor(s) may be configured to electronically receive a plurality of user mobile interaction data to initiate a session on processing server. The processor(s) may be configured to electronically process the user mobile interaction data with AI including predefined user activity data for actions. The processor(s) may be configured to electronically determine whether one of more of the user mobile voice data samples includes a session key data command and responsive to the session key data command, electronically initiating a biometric authentication of the user mobile voice data samples. In some implementations, the system processor(s) may be configured to electronically initiate a second computing session for the computer platform while receiving the plurality of user mobile interaction voice data.

Abstract: Systems for contactless authentication and event processing are provided. In some examples, functionality of a self-service kiosk may be requested. In response, a user may be authenticated and a first interactive user interface may be generated and displayed by the self-service kiosk. A second, different interactive user interface may be generated and transmitted for display by an event processing device. A user may select an option displayed by the event processing device. The user selection may be made via the second interactive user interface. The user selection may then cause the self-service kiosk to execute the selected function.

Abstract: Embodiments of the present invention provide a system for executing multiple events in response to receiving a video and extracting identity and contact information from that video. A video showing multiple individuals associated with the multiple events is analyzed by splitting the video into individual frames and identifying unique faces in the video. A facial recognition process and an image hashing process are then applied to generate image hashes for each individual. These image hashes are then compared to known, stored image hashes to determine an identity and contact information for each individual. Once this information is collected, the system executes the multiple events based on the determined information about each individual.

Abstract: Aspects of the disclosure relate to mobile device operations during an ongoing call. The mobile device operations may relate to payment processing operations. The mobile device may determine contact information associated with a party in an ongoing call. The mobile device may determine, based on the contact information, information associated with a payment transaction request. The mobile device may send, based on the determined information the payment transaction request. The mobile device may dynamically determine a user interface to be displayed during the call to facilitate the various mobile device operations.

Abstract: Aspects of the disclosure relate to mobile device operations during an ongoing call. The mobile device operations may relate to payment processing operations. The mobile device may determine contact information associated with a party in an ongoing call. The mobile device may determine, based on the contact information, information associated with a payment transaction request. The mobile device may send, based on the determined information the payment transaction request. The mobile device may dynamically determine a user interface to be displayed during the call to facilitate the various mobile device operations.

Abstract: Aspects of the disclosure relate to intelligent processing of broken or failed ATM transactions. In some embodiments, a computing platform may receive transaction data associated with a pending transaction initiated on a mobile computing device and generate hash information corresponding to the received transaction data. Then, the computing platform may identify ATMs previously visited by the user. Based on performing analytics on those previously visited ATMs, the computing platform may identify, from those previously visited ATMs, one or more alternate ATMs for completing the pending transaction. Next, the computing platform may send a notification to the mobile computing device that includes navigation information. Thereafter, the computing platform may cause the alternate ATMs to await input from the user by sending the generated hash information.

Abstract: Aspects of the disclosure relate to intelligent processing of broken or failed ATM transactions. In some embodiments, a computing platform may receive transaction data associated with a pending transaction of a user and generate hash information corresponding to the received transaction data. Thereafter, the computing platform may identify one or more alternate ATMs for completing the pending transaction and generate navigation information corresponding to the one or more alternate ATMs. Subsequently, the computing platform may send the generated hash information to the one or more alternate ATMs. By sending the hash information, the computing platform may cause the one or more alternate ATMs to await input from the user. In response to receiving a message indicating completion of the pending transaction at the one or more alternate ATMs, the computing platform may initiate clearing of a pending status of the pending transaction.

Abstract: Intelligent systems for detecting SIM swap in mobile devices, wherein if a user requests access to an account via a mobile device, a mobile device application (MDA) sends the request along with mobile device ID and IMSI. If all information received from the MDA matches information stored in memory, the user can access the account. If the mobile device ID or IMSI received from the MDA do not match the mobile device ID or IMSI stored in memory, a social intelligence module compares a mobile device user profile with a profile for a user associated with the account ID. If the mobile device user profile matches or is within a confidence level of the profile for the user associated with the account ID, the user can access the account. Otherwise, additional methods to validate the user may be implemented to prevent possible fraudsters from accessing the account.

Abstract: A device that includes a network interface configured to communicate with a remote database and a memory operable to store a set of applications. The device further includes an authentication engine implemented by a processor. The authentication engine is configured to receive log-in credentials for a user on a first application, to send a user information request to the remote database, and to receive user information in response to sending the request. The authentication engine is further configured to send a user profile information request to a second application and to receive user profile information in response to sending the request. The authentication engine is further configured to identify corresponding information between the user information and the user profile information, to determine that at least a portion of the corresponding information between the user information and the user profile information matches, and to authenticate the user in response to determination.

Abstract: A memory stores a first voice record of a first user and a second voice record of a second user. A processor receives from a device of the first user a recording of a voice conversation between the first and second users and compares the recording with the first and second voice records to determine that the voice conversation is between the first and second users. The processor also determines that the first and second users intend to conduct a transaction with each other and determines a transaction amount for the transaction. The processor further communicates, to the device of the first user, a message, receives, from the device of the first user, a confirmation of the transaction in response to the message, and in response to the confirmation, initiates the transaction.

Abstract: A device that includes a network interface configured to communicate with a remote database and a memory operable to store a set of applications. The device further includes an authentication engine implemented by a processor. The authentication engine is configured to receive log-in credentials for a user on a first application, to send a user information request to the remote database, and to receive user information in response to sending the request. The authentication engine is further configured to send a user profile information request to a second application and to receive user profile information in response to sending the request. The authentication engine is further configured to identify corresponding information between the user information and the user profile information, to determine that at least a portion of the corresponding information between the user information and the user profile information matches, and to authenticate the user in response to determination.

Abstract: An apparatus includes a first database, a memory, and first and second processors. The first database stores a list including a first identifier assigned to the first processor and a second identifier assigned to the second processor. The processors each randomly shuffle a copy of the list and place the first element of their shuffled copy in a third list. Each processor further determines that the first identifier appears a first number of times and the second identifier appears a second number of times in the third list, the first number greater than the second number. In response to determining that the first number is greater than the second number, the first processor copies data stored in a second database into the memory and sets a flag to true, while the second processor determines that the flag is set to true and accesses the data copy stored in the memory.

Abstract: Apparatus and methods for protecting biometric authentication information associated with a paper document are provided. A mobile device application may pre-associate the document with a biometric input. The mobile device application may generate a first composite hash value based on a combination of a numerical representation of a first image of the paper document and a numerical representation of a first biometric input. Subsequently, an authentication server may generate a second composite hash value based on a combination of a numerical representation of a second image of the paper document and a numerical representation of a second biometric input. The authentication server may determine whether an edit distance separating the second composite hash value and the first composite hash value is less than a threshold distance. If the edit distance is less than a threshold distance, the paper document may be authenticated.

Abstract: Embodiments of the present invention provide a system for employing a smart device for secure and authenticated event. The system may include a smart assistant device that receives an audible request from a user for an event with a merchant. The smart assistant device then establishes a secure active session with a mobile device associated with the user over a wireless network. The smart assistant device determines a digital voice ID for the received audible request for the event and transmits the digital voice ID and event information to the mobile device of the user. A smart assistant application of the mobile device validates the digital voice ID based on stored reference data. Event information and additional user execution information is then provided to an event processing system for asynchronous processing.

Abstract: Embodiments of the present invention provide a system for secure transfer of encrypted resources and asynchronous execution. In general, a user initiates an event with a merchant system and requests a secure resource transfer process associated with the event. Encrypted initial event details are transmitted through an asynchronous command form the merchant system to a computing device of the user, and resource information is identified at the computing device of the user. The computing device of the user then transmits the event details and the resource information to an event processing system for final execution.