Abstract: An apparatus and method for providing an immutable audit trail for machine learning applications is described herein. The audit trail is preserved by recording the machine learning models and data in a data structure in immutable storage such as a WORM device, a cloud storage facility, or in a blockchain. The immutable audit trail is important for providing bank auditors with the reasons for lending or account opening reasons, for example. A graphical user interface is described to allow the archive of machine learning models to be viewed.

Abstract: A virtual fraud detection system and method is described for the real time processing of banking transactions seen on a banking rail. The transaction is processed through natural language processing to determine who the parties are, and natural language processing is performed on the web site and the social media pages of employees to ascertain if the originator and the beneficiary of the transaction make sense. In addition, the age of the DNS records of the parties is checked to see if the parties are established organizations.

Abstract: Disclosed is a system for scoring customers of a financial institution based on financial data. The system includes a central database that stores a plurality of modules, a central server that processes the plurality of modules and a display unit that displays the processed plurality of modules. The plurality of modules includes a criteria configuration module, a data module, and a computation module. The criteria configuration module includes a metric module to receive the input parameters required to evaluate the score, and a measurement module for defining transformation criteria to be applied on the data corresponding to the input parameters. The computation module includes a metric evaluation module to compute and applies the transformation criteria to the values of the input parameters, and a scoring module coupled to the metric evaluation module to automatically compute and display the score of the customers based on the values retrieved from the metric evaluation module.

Abstract: A system, method and apparatus for providing a global service for securely storing deposit instructions is described. The service provides payment processing services with a central location to translate payee information into a revocable d-token that represents the payee deposit instructions. A second service allows qualified banking institutions to convert the d-token into deposit instructions to effectuate a funds transfer.

Abstract: A system and method for using inferred attributes derived from banking data is described. The system and method include a flexible configuration system that permits numerous insights to be created, said insights used to monitor and predict the behavior of banking customers. The insights allow thresholds to be monitored over a period of time, and the combination of thresholds and trends of implied attributes to create complex insights. This allows bankers to detect anomalies in customer behavior.

Abstract: A computer-implemented method for matching user inputted text to stored text. The user inputted text is compared to each of the text strings stored in a database using a string similarity score determined using a Levenshtein distance algorithm, the n-gram or trigram methods, the Jaro-Winkler algorithm, the Cosine similarity algorithm, the Hamming distance algorithm, the Damerau-Levenshtein distance algorithm, or similar. For each comparison, the string similarity score is analyzed to determine exact matches, non-matches, and probable matches. Probable matches are further analyzed using a keyboard distance algorithm to differentiate between matches and non-matches.

Abstract: A computer-implemented method for matching user inputted text to stored text. The user inputted text is compared to each of the text strings stored in a database using a Levenshtein distance algorithm. For each comparison, the Levenshtein distance is analyzed to determine exact matches, non-matches, and probable matches. Probable matches are further analyzed using a keyboard distance algorithm to differentiate between matches and non-matches.

Abstract: A computer-implemented method for matching user inputted text to stored text. The user inputted text is compared to each of the text strings stored in a database using a Levenshtein distance algorithm. For each comparison, the Levenshtein distance is analyzed to determine exact matches, non-matches, and probable matches. Probable matches are further analyzed using a keyboard distance algorithm to differentiate between matches and non-matches.

Abstract: A method for using machine learning techniques to analyze past decisions (made be administrators concerning account opening requests) and to recommend whether an account opening request should be allowed or denied.

Abstract: A method for securing data by embedding the data in a data structure and utilizing a sensor device to detect transfer of the data structure. The data is embedded such that the data is only accessible by first executing an executable program. If the executable program determines that the device attempting to access the data (the accessing device) does not have permission to access the data, then the executable program destroys all or a portion of the data. If the data structure is transferred to another device, a sensor device positioned to detect the data structure when transferred will identify the data. If the sensor device determines that the data structure is not permitted to be transferred, then the sensor device destroys all or a portion of the data.

Abstract: A method for securing data by embedding the data in a data structure and utilizing a sensor to detect transfer of the data structure. The data is embedded such that the data is only accessible by first executing an executable program. If the executable program determines that the device attempting to access the data (the accessing device) does not have permission to access the data, then the executable program destroys the data. If the data structure is transferred to another device, a sensor positioned to detect the data structure when transferred will identify the data. If the sensor determines that the data structure is not permitted to be transferred, then the sensor destroys the data.

Abstract: A method and device for providing notification of improper access to secure data on a mobile device. The mobile device detects a request to record content displayed on a display of the mobile device. A determination is then made regarding whether the content that was displayed on the screen when the request to record was received is protected content. If the displayed content was protected, then a third party is notified that a security breach has been detected. A remedial action is also performed regarding the security breach.

Abstract: A computer-implemented method for providing tenant aware, variable length, deduplication of data stored on a non-transitory computer readable storage medium. The method is performed at least in part by circuitry and the data comprises a plurality of data items. Each of the plurality of data items is associated with a particular tenant of a group of tenants that store data on the storage medium.

Abstract: A computer-implemented method for matching user inputted text to stored text. The user inputted text is compared to each of the text strings stored in a database using a Levenshtein distance algorithm. For each comparison, the Levenshtein distance is analyzed to determine exact matches, non-matches, and probable matches. Probable matches are further analyzed using a keyboard distance algorithm to differentiate between matches and non-matches.

Abstract: A computer-implemented method for providing tenant aware, variable length, deduplication of data stored on a non-transitory computer readable storage medium. The method is performed at least in part by circuitry and the data comprises a plurality of data items. Each of the plurality of data items is associated with a particular tenant of a group of tenants that store data on the storage medium.

Abstract: A computer-implemented method for matching user inputted text to stored text. The user inputted text is compared to each of the text strings stored in a database using a Levenshtein distance algorithm. For each comparison, the Levenshtein distance is analyzed to determine exact matches, non-matches, and probable matches. Probable matches are further analyzed using a keyboard distance algorithm to differentiate between matches and non-matches.

Abstract: A financial messaging apparatus configured to encapsulate and transmit a financial message along with actions to a mobile device. The actions relate to rules that are associated with characteristics of the financial message.

Abstract: A system and method is presented for receiving required information (i.e., clearing information) for performing a global electronic funds transfer. The system and method generates a form for receiving the clearing information from a user. The form includes clearing information fields that are each configured to accept an element of clearing information. The clearing information fields of the form are dynamically updated based on clearing information rules. The clearing information rules define a relationship between at least one of the clearing information fields and the clearing information received from the user. The dynamically updated form is provided to the user to input further clearing information.

Abstract: The present disclosure provides a financial messaging apparatus configured to encapsulate and transmit a financial message along with actions to a mobile device. The actions relate to rules that are associated with characteristics of the financial message.

Abstract: According to an aspect, a computing device includes a processor; a computer readable memory; a display screen; a touch sensitive panel overlying the display screen; and computing device application instructions coded in the computer readable memory and executed by the processor to: display a user-selectable photograph on the display screen, the user-selectable photograph including a group of fiducials, generate captured pattern data, the captured pattern data representing coordinate values on the touch sensitive panel where touched by a user, and provide for authentication of the user based on a comparison of the captured pattern data and respective locations of the group of fiducials included in the user-selectable photograph.