Abstract: Systems and methods for online billpay using credit products are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for online billpay using a credit product may include: (1) receiving, from a customer, an identification of a merchant for online credit-based bill pay; (2) retrieving accepted payment mechanisms from the merchant; (3) selecting a payment mechanism from the accepted payment mechanisms; (4) receiving an invoice for a customer transaction with the merchant from the merchant; (5) conducting a payment transaction with the selected payment mechanism; and (6) charging the payment transaction to a credit account associated with the customer.

Abstract: Various methods, apparatuses/systems, and media for automating a process of receiving documentation are provided. A first computing device initiates an electronic communication process to request documentation from a second computing device utilized by a user. A processor receives identification information of the user for generating a unique barcode to be provided with the requested documentation in response to the initiation of the electronic communication. One or more processors generate the unique barcode based on the received identification information of the user; create an application programming interface (API) link for the generated barcode; transmit the electronic communication with the API link attached therein to the second computing device; and automatically obtain the unique barcode upon receiving an input to open the API link from the second computing device, the unique barcode to be attached as a cover sheet with the requested documentation for scanning by a multi-functional device.

Abstract: Systems, methods, and devices for managing privacy policies are disclosed. In one embodiment, a method for management of a user's privacy preferences may include: identifying a computer application installed on a user electronic device, or a website accessed using a browser executed by the user electronic device; retrieving a privacy policy document analysis for a privacy policy document associated with the computer application or the website, the privacy policy document analysis comprising a valuation of a plurality of privacy policy segments within the privacy policy document; receiving a privacy preference analysis for the user, the privacy preference analysis comprising a valuation of a plurality of privacy preferences for the user; identifying a recommended action in response to the valuation of one of the privacy policy segments being outside the scope of the valuation of one of the plurality of privacy preferences; and executing the recommended action.

Abstract: A method for providing vulnerability management to facilitate application development and deployment is disclosed. The method includes receiving a monitoring request that includes an identifier, the identifier corresponding to an application; onboarding the application by using the identifier; generating a scheduled task for the application based on an outcome of the onboarding, the scheduled task relating to source code vulnerability analytics; automatically initiating, via an application programming interface, the scheduled task based on a predetermined parameter; determining whether a set of source codes that corresponds to the application includes a vulnerability based on a result of the automatically initiated scheduled task; and generating a ticket when the vulnerability is included in the set of source codes.

Abstract: A repository definition computer program may (1) retrieve repository data from data repositories; (2) identify a data repository structure for each data repository; (3) generating data repository definitions for the data repositories; (4) provide the data repository definitions in a data serialization language to a repository management system; and (5) generate a hash of each file in the data repositories and save a copy of each file named its hash. A UAT management system computer program may (6) execute a repository extract process to repave one the data repositories with the hash-named files. The repository extract computer program may (7) retrieve the data repository definitions for the data repository being repaved from a repository management system server; (8) retrieve the hash-named files from object storage for the data repository being repaved; and (9) recreate the data repository from the data repository definitions using hard links to the hash-named files.

Abstract: Method and systems for securely and accurately authenticating a payment card by using biometric information associated with an authorized user is provided. The method may be implemented by providing a payment card that includes a processor; a display area coupled to the processor and configured to hide account information when the payment card has not been authenticated and to display the account information for a predetermined time interval when the payment card is authenticated; a sensor coupled to the processor and configured to capture biometric information of a user; and a communication interface coupled to the processor and configured to facilitate wireless communication with a mobile smart phone.

Abstract: A method for managing personalized code formatting to facilitate collaborative software development is disclosed. The method includes receiving, via a graphical user interface, preferences from a first user, the preferences corresponding to a code styling preference of the first user; configuring a software development platform that corresponds to the first user based on the preferences; detecting a code pull request from the first user, the code pull request including a first request to pull a code set from a code repository to the software development platform; converting, in real-time, the code set to a display data set based on the preferences; and displaying, via the software development platform, the display data set for the first user.

Abstract: Various methods, apparatuses/systems, and media for enablement of application controls are disclosed. A processor implements a centralized database to serve as a system of record for application controls for an application, the centralized database storing control data associated with application controls; calls a first API to register the application controls associated with the application onto the centralized database; calls a second API to obtain the control data from the centralized database; develops control objectives and control procedures as rules to enable linkage of pre implementation validation checks for the application; integrates the centralized database with continuous integration and a continuous delivery (CICD) pipeline; executes the rules in the CICD pipeline to test the control data in a periodic manner; and automatically transmits the application to a production environment when it is determined that the control data passed the test executed by the CICD pipeline.

Abstract: Various methods, apparatuses/systems, and media for dynamically restoring a state of an application are disclosed. The system may include a processor; and a memory operatively connected to the processor via a communication interface, the memory storing computer readable instructions, when executed, causes the processor to: receive a service bind request by a service framework from an application to bind to a service provided by a service provider among a plurality of service providers; transmit the received service bind request with callback uniform resource locator to an open service broker; cause the open service broker to transmit the service bind request to the service; register, by the service, the callback uniform resource locator; and dynamically bind, in response to registering, the application to the service.

Abstract: In one example of the present disclosure, a method for establishing communication between a browser and a native application is disclosed. The method may be initiated by executing a browser extension associated with the browser. The method may execute a native host to initiate startup of the native application. The native host may interface with the native application to establish bidirectional communication between the native host and the native application. The native host may also interface with the browser extension to establish bidirectional communication between the native host and the browser extension to connect the browser and the native application.

Abstract: Systems and methods for facilitating payment service-based guest checkout with a merchant are disclosed. According to one embodiment, a method for facilitating payment service-based guest checkout with a merchant may include: (1) receiving, from a merchant's application or website, a redirect of an online interaction between the merchant and a customer; (2) retrieving, from an issuer payment service, wallet information comprising a plurality of payment options for the customer; (3) receiving a selection of one of the payment options; (4) communicating the selection of the payment option to the payment service for the issuer. The issuer payment service provides a session identifier to the merchant application website, the merchant application or website provides transaction information and the session identifier to a merchant payment host, the merchant payment host retrieves the selected payment option from the issuer payment service and conducts the transaction using the selected payment option.

Abstract: The invention relates to an exchange for paper check transactions via an interbank information network (IIN) architecture. An embodiment of the present invention provides a marketplace for secure collection, assignment and distribution of payments and data from paper check transaction originators to lockbox providers. This eliminates paper checks, resulting in faster deposit into client accounts, better management of payment exceptions, and reduction in overall operating costs. The IIN architecture provides a global platform using blockchain technology for real-time interconnected flow of information that address immediate pain points across the financial industry and enable new services. With an embodiment of the present invention, a distributed network may streamline process for resolving compliance based inquiries and provide global beneficiary account validations.

Abstract: Various methods, apparatuses/systems, and media for computing strategies for model inferences are disclosed. A processor generates background data from raw data and data sampling strategies associated with a particular security instrument; computes a model for each pair of raw data and machine learning algorithm; computes model explanation for each pair of the background data and the model; normalizes the computed model explanation by utilizing a predefined algorithm; computes a deep dense representation of each explanation based on the normalized explanation of the computed model; clusters the deep dense representation of each explanation; computes a deep dense representation of explanation of each predicted target data version associated with features recovery; compares the deep dense representation of each explanation with the deep dense representation of explanation of each predicted target data version; and computes a strategy of model selection for each target data version as output.

Abstract: A method for providing an offer to a potential recipient is provided. The method includes obtaining first information, such as demographic information and/or shopping history information, that relates to the potential recipient; assigning a respective value to each of a plurality of first parameters based on the first information; assigning a respective value to each of a plurality of second parameters based on second information that relates to the offer; determining a composite score based on the assigned first parameter values and the assigned second parameter values; and determining, based on the composite score, whether to provide the offer to the potential recipient.

Abstract: Systems, methods, and devices for obfuscation of browser fingerprint data are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method may include: (1) receiving an electronic communication from an electronic device to a destination; (2) identifying a raw device fingerprint value in the electronic communication from an electronic device; (3) selecting at least one replacement value for the raw device fingerprint value; (4) replacing the raw device fingerprint value with the replacement value in the electronic communication; and (5) sending the electronic communication with the replacement value to the destination.

Abstract: Systems and methods for dynamic network traffic manipulation are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor and executing a computer application a method for dynamic network traffic manipulation may include: (1) receiving, at a computer application, an identification of a test to be performed on a software application under test; (2) receiving, at the computer application, a parameter for the test; (3) establishing, by the computer application, a connection between a first endpoint and a second endpoint, wherein the software application under test communicates with the first endpoint and the second endpoint using a communication channel; (4) intercepting, by the computer application, a data packet to or from the software application under test; (5) processing the intercepted data packet to apply the test with the parameter; and (6) monitoring the software application under test.

Abstract: A method for facilitating user authentication via a graphical user interface is provided. The method includes receiving, via the graphical user interface, a request, the request including an access request; generating a graphical element based on a predetermined guideline; displaying, via the graphical user interface, the generated graphical element in response to the request; receiving, via the displayed graphical element, an input, the input including an alphabetic character, a numeric character, and a symbolic character; determining a dimensionality factor for the input; and authenticating the request by using the input and the corresponding dimensionality factor.

Abstract: A method and a system for detecting abnormal and/or anomalous rejections of requests for quotes for foreign exchange transactions are provided. The method includes: receiving a request for quote (RFQ) that relates to a proposed foreign exchange (FX) transaction; retrieving first information that relates to a financial capability of the requester to conduct the proposed FX transaction; applying a first algorithm that is designed to make an initial determination as to whether the RFQ is acceptable, based on the RFQ and the first information; when the initial determination indicates that the RFQ is not acceptable, applying a second algorithm that uses an artificial intelligence (AI) technique to determine a potential reason that the initial determination has indicated that the RFQ is not acceptable; and generating a report that includes information that relates to the potential reason that the initial determination has indicated that the RFQ is not acceptable.

Abstract: A method of deploying cabling in a tray using an automated cable runner (ACR). The ACR includes a pathway, a carriage operable to travel along the pathway, a plurality of supports connectable to the pathway and connectable to the tray and configured to support the pathway over the tray, and a cabling holder attached to the carriage. The carriage includes a drive wheel structured and arranged to contact the pathway, a motor operable to rotate the drive wheel, and a power source connected to motor. The method includes attaching the carriage to the pathway, connecting an end of a cabling to the cabling holder, and powering the motor to rotate the drive wheel to drive the carriage to travel along the pathway from a desired start point to a desired end point to deploy cabling into the tray from the start point to the end point.

Abstract: A method and system for providing a virtual assistant to participants in a meeting. The method includes receiving a set of data associated with the meeting. The set of data includes meeting details, participant details, discussion details, audio details, and video details. Next, the method includes analyzing, using a trained model, the set of data to provide the virtual assistant to the participants in the meeting. Thereafter, the method includes assisting the participants in the meeting based on the analysis of the set of data.