Abstract: Techniques are described for cryptographic key generation based on biometric data associated with a user. Biometric data, such as fingerprint(s) and/or heartbeat data, may be collected using one or more sensors in proximity to the user. The biometric data may be analyzed to generate a cryptographic key. In some implementations, the key may be employed by the user to access data, access certain (e.g., secure) feature(s) of an application, authenticate the user, digitally sign document(s), and/or for other purpose(s). In some implementations, the key may be re-generated for each access request or authentication instance, based on the user's fingerprint or other biometric data.

Abstract: Disclosed herein are a method, system, and computer-readable storage medium with instructions for recommending locations to a user. Preferred criteria may be selected by the user, for example, or a third party, and provide objective or subjective information that the user is seeking in a location. Embodiments may include compiling objective information with the location and comparing the objective information to preferred criteria. A user's profile may be compared to an other person's profile, where the other person's profile is associated to the location. A location may be recommended to the user if the objective information correlates to the preferred criteria and if the other person's profile correlates to the user's profile. Subjective information associated with the location may be provided to the user along with the recommended location. Furthermore, a location may be recommended to the user if the subjective information correlates to the preferred criteria.

Abstract: A method, system and computer-usable medium are disclosed for managing purchase, billing, and payment transactions. A unique identifier of a consolidated purchase card account, issued by a service provider to a user, is accepted by a plurality of vendors as a proxy of the unique identifier of their own vendor-issued purchase card account. Purchase transactions resulting from acceptance of the consolidated purchase card account are processed to produce an individual billing statement for each vendor. The individual billing statements are aggregated into a consolidated billing statement by the service provider, which is then presented to the user on behalf of each vendor. The user reviews the consolidated billing statement and provides payment instructions to the service provider. The payment instructions are processed to pay funds from a funding account of the user to each respective vendor.