Abstract: The invention relates to a computer-implemented system and method for controlling access by users of an organization to one or more components of a computer application. The method may be conducted on a specially programmed computer system comprising one or more computer processors, electronic storage devices, and networks.

Abstract: Embodiments of the present invention are directed to a system and method for a no-click institutional allocation platform that automatically matches at least two transactions. The system and method may import at least one customer side allocation and at least one broker-dealer firm-side transaction from an external system using a transaction import engine. The system and method process the imported transactions using the transaction matching engine by matching at least one customer-side allocation to at least one broker-dealer firm side transaction. The system and method may also have the capability to handle any exceptions using an exception handling engine. If the exception is successfully handled or there is no exception, the system and method then automatically settle the matched transaction using a step-out processing engine. The details of the settled transaction are then displayed to a user using a transaction visualization engine.

Abstract: A computer-implemented method and system for safe storing data is disclosed. A sending queue manager associated with a client computer transmits an asynchronous write of a transaction message containing data to a receiving queue manager associated with a transaction processing computer not colocated with the client computer. The receiving queue manager transmits a synchronous write of the transaction message to a remote queue manager associated with a remote disaster recovery computer to safe store the transaction message before it can be operated upon by the transaction processing computer.

Abstract: New techniques for automated database deployment are disclosed. Change SQL files intended for any target database are checked into a designated source code control repository. A pre-validation process is applied to the proposed changes and reports all errors therein, not just the first error found. A tracking mechanism may find and report changes that have been done against a database since the last deployment, including changes applied without following source control procedure. All recent SQL files since previous promotion can be automatically gathered and built into a master run book SQL for execution in a correct sequence. Backout SQL may also be automatically generated and validated. A pre-test or mock deployment may be performed during regular business hours against an automatically generated copy of the target database. With these techniques, deployments and maintenance of databases become more efficient, and failure rates and failover responses could be significantly improved.

Abstract: A system and method is provided to enable secure verification of a customer's identity at a financial services device, such as, for example, an ATM or financial services kiosk, to override predetermined settings to enable the customer to complete a transaction that might not otherwise be able to be completed. For example, the customer may, using the method, override a daily withdrawal limit or a waiting period for funds availability. The method may be applied to other actions as well. The method provides a second level of authentication, beyond the login identity of the customer (which has already been entered into the financial services device by the customer in order to initiate the transaction).

Abstract: Systems and methods are disclosed for providing alerts to one or more customers at an optimized time and communication channel based on at least customer preferences, transactions, activities, usage patterns, and other information; and for allowing customers to directly respond and communicate feedback to alerts that are provided to complete various account actions, including to “snooze” one or more alerts.

Abstract: The invention provides a system and method for using transaction data to provide information to a customer, the information being provided in response to a request from the customer so as to assist the customer in decisioning. The method may comprising inputting transaction data regarding a plurality of transactions effected at a plurality of merchants; inputting a request for information from a requesting customer, the request including parameters related to the request; performing processing based on both the transaction data and the request for information, the processing including generating a response to the request; and outputting the response to the requesting customer. The request and processing may relate to identifying activities of similarly situated persons vis-à-vis the requesting customer, based on the transaction data. The request may relate to identifying an optimum merchant to secure purchase of a target item.

Abstract: Embodiments of the invention are related to systems and methods for a docking station that wirelessly connects to a mobile device, facilitates charging the mobile device, and enables the mobile device to interact with a virtual desktop infrastructure.

Abstract: New techniques for automated database deployment are disclosed. Change SQL files intended for any target database are checked into a designated source code control repository. A pre-validation process is applied to the proposed changes and reports all errors therein, not just the first error found. A tracking mechanism may find and report changes that have been done against a database since the last deployment, including changes applied without following source control procedure. All recent SQL files since previous promotion can be automatically gathered and built into a master run book SQL for execution in a correct sequence. Backout SQL may also be automatically generated and validated. A pre-test or mock deployment may be performed during regular business hours against an automatically generated copy of the target database. With these techniques, deployments and maintenance of databases become more efficient, and failure rates and failover responses could be significantly improved.

Abstract: A system and method for initiating a deposit transaction, where the depositor is a banking customer located at a remote location, and where the item to be deposited is a financial instrument, such as a paper check from a third party, payable to the depositor. The enabling system features a Remote Customer Terminal (RCT) with certain input devices, connected to a bank system. An image and/or other data of the financial instrument are transmitted from the RCT to the Bank of First Deposit (BOFD) where the data may be processed by conversion to Electronic Funds Transfer (EFT), via Electronic Check Presentment (ECP), or via check reconstruction. The deposit transaction can be accomplished without physical transfer of the financial instrument to or through the bank system. The system and method provide convenience and improved transaction processing speed compared to other deposit transactions of financial instruments.

Abstract: A system and method for determining eligibility of persons and enrolling those persons in various programs. For example, one embodiment is particularly suited for enrolling credit card members in payment programs. A program is selected, after which enrollment information is entered. The enrollment information is checked and verified, and the enrollment application is checked for eligibility. The enrollment may be either accepted or declined. The possibility of reiterative enrollment in more than one program is provided. A system is provided for tracking which payment programs are the most enticing for later feedback analysis.

Abstract: A method and system facilitate scheduling of a response to a text directed to a landline by maintaining a registration of a handler system with a text hub, wherein the text hub intercepts text messages forwarded through a mobile carrier to multiple dedicated landlines. A message router of the registered handler system identifies the destination landline and routes the text message to a call center server system based on the identified destination landline. The method additionally includes processing the text message at the call center server utilizing a text processor. The text processor identifies a text sender, schedules a follow-up communication at a follow-up time, and queues the text message and scheduled follow-up.

Abstract: Systems and methods for managing customer communications over communication channels are disclosed. According to one embodiment, a method for managing customer communications over a plurality of communication channels may include (1) at least one of a plurality of computer processors determining contact information for the customer; (2) at least one of the plurality of computer processors determining that the contact information comprises a cellular phone number; (4) at least one of the plurality of computer processors determining that the customer has consented to being contacted on the cellular phone number; and (5) at least one of a plurality of computer processors automatically initiating contact with the customer using the communication channel.

Abstract: The invention relates to a customer interaction management system that comprises a memory that stores customer profile data and customer interaction data; a voice response input that receives a voice pattern from a customer; and a computer processor, coupled to the memory and the voice response input, programmed to: retrieve customer voice data from a current customer interaction via a voice channel; retrieve data from one or more other interactions via one or more other channels; compare customer voice data to a customer baseline, where the customer baseline is developed from one or more prior customer interactions; generate, using a speech analytics engine, a customer score that indicates customer sentiment based on the customer voice data and data from one or more other interactions; during the current customer interaction, update the customer score based on customer progress data; and develop one or more actions, in response to the customer score.

Abstract: Systems and methods for prioritizing electronic messages in an electronic message repository are disclosed. According to one embodiment, a method may include (1) at least one computer processor determining an amount of message review time for a user; (2) the at least one computer processor estimating a number of electronic messages that the user can review in the message review time; (3) the at least one computer processor determining a priority level for a plurality of electronic messages in the user's electronic message repository; (4) the at least one computer processor selecting electronic messages from the user's electronic message repository based on the estimated number of electronic messages that the user can review and the priority level for the electronic messages.

Abstract: The systems and methods of the invention provide a technique for authenticating a finance related transaction. The method may include providing a token which contains a token counter, the token counter periodically advancing to generate a changing token value, the token counter being synchronized to a base counter that generates an authenticating value; transforming the token value into a token output sequence using logic; and outputting at least part of the token output sequence to an authenticating authority, the authenticating authority having access to the authenticating value.

Abstract: According to an embodiment of the present invention, an automated computer implemented system and method for building system hierarchies comprising: an input configured to receive monitoring data from a plurality of devices associated with an entity, wherein the monitoring data for each device of the plurality of devices comprises a unique addressing scheme, the unique addressing scheme comprising a location identifier, a relationship identifier and an object identifier for each device; a processor configured to dynamically build a system hierarchy based on the addressing scheme for each device responsive to the monitoring data and a calculated data determined for each device; and an output configured to generate the system hierarchy on an user interface.

Abstract: A system and method is provided that provides actionable intelligence information for financial institution personnel. The method and system may be both proactive and preemptive to manage sales and customer flow, and may be designed for use within a branch office or other physical location of a financial institution. A series of interfaces may be used to view, manage, and take action on the intelligence information. A portable electronic device may be used to interface with the system. The interface may be customizable based on a number of factors such as, but not limited to, store hierarchy, role, and objective.

Abstract: A system and method for issuing, circulating and trading financial instruments with smart features is disclosed. In one particular exemplary embodiment, a financial instrument having smart features may comprise a document portion and a token device attached to or embedded in the document portion. The token device may comprise a storage device and a communication interface, wherein the token device is configured to provide a unique address for the financial instrument, the unique address including a device identifier that matches at least in part the document portion and a network address that changes based on a network location of the financial instrument and to communicate securely with an external entity at least to report an identity or a status of the financial instrument.

Abstract: A system and method for processing raw transaction records received from multiple data sources. The system and method receive multiple raw transaction records from multiple data sources. Transaction pair records are generated from the raw transaction records. Location and entity fields including raw information are identified from the transaction pair records. The raw location and entity information is resolved to generate resolved location and entity information capable of aggregation and further processing, such as the deriving of analytics.