Abstract: Systems and methods for authenticating parties and transactions are described herein. The systems and methods may be part of an information wallet system. The information wallet system or a separate authentication system in communication with the information wallet system may facilitate verification and/or authentication of the parties. In one embodiment, the authentication system includes an authentication server configured to receive an authentication request from a first party to authenticate a second party. The authentication server is further configured to transmit an information request the second party. The authentication server is configured to receive second party information and to configured to compare the second party information with a verified second party information. The authentication server is configured to transmit an authentication result to the first party device.

Abstract: Among other things, embodiments of the present disclosure can help improve the functionality of failure prediction systems by identifying potential future failure events in a hardware or software component based on an analysis of current and historical information for the system. Embodiments of the present disclosure may use historical data associated with past technology failures to identify causal factors identified in current event data to help predict future outages and disruptions.

Abstract: Systems, apparatuses, and methods of making (initiating and processing) an event-based automatic transaction on behalf of a user including and not limited to, determining an event geolocation impacted by an event and determining that the user is at the event geolocation based on a user device geolocation received from a user device of the user. In response to determining that the user is at the event geolocation, the event-based automatic transaction is automatically initiated and processed to digitally purchase goods or services on behalf of the user.

Abstract: A computer-implemented method for providing a recommended payment account includes receiving location information from a mobile device of a user having one or more payment accounts provided by a financial institution computer system, and determining a location of the user relative to a merchant based on the location information. The method also includes, based on the location of the user relative to the merchant, determining that a payment account recommendation should be sent to the user, including a recommended payment account for use in a payment transaction with the merchant and an incentive offer for using the recommended payment account in the payment transaction, determining the recommended payment account based on an expected financial impact to the user, generating the incentive offer, and sending the incentive offer and the recommended payment account to the mobile device of the user.

Abstract: Systems, methods, and apparatuses for providing a central location to manage permissions provided to third-parties and devices to access and use user data and to manage accounts at multiple entities. A central portal may allow a user to manage all access to account data and personal information as well as usability and functionality of accounts. The user need not log into multiple third-party systems or customer devices to manage previously provided access to the information, provision new access to the information, and to manage financial or other accounts. A user is able to have user data and third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal. The user is able to impose restrictions on how user data is used by devices, applications, and third-party systems, and control such features as recurring payments and use of rewards, via a central portal.

Abstract: A computer-implemented system and method receive information regarding a funds transfer from a payor to a payee. The information is received by a depository computer system. The depository computer system forwards the information regarding the funds transfer to an account verification service computer system. The depository receives an indication of a real-time account status of an account of the payor. The account status information is received from a paying bank computer system that maintains the account of the payor via the account verification service computer system. Release of the funds to the payee is authorized based on the account status information received via the account verification service computer system. The authorization occurs in real-time relative to when the funds transfer information is initially received.

Abstract: A method of authenticating a user via a galvanic skin response on electric computing device is described. The method includes receiving a request for user authentication from a second electronic computing device. The electronic computing device measures a change in the galvanic skin response associated with the user, and the change in the galvanic skin response is indicative of the user creating a physical connection between the electronic computing device and the second electronic computing device. The electronic computing device compares the galvanic skin response to a threshold skin conductance level. When the comparison of the galvanic skin response indicates, an authentication confirmation is sent to the second electronic computing device.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for controlling a function of an automated transaction machine (ATM). An example method includes receiving, by query language processing (QLP) circuitry, a query command signal. The example method further includes generating, by the QLP circuitry based on the query command signal, a control signal configured to instruct the ATM to perform the function by crawling a tree-structured menu of the ATM. Subsequently, the example method includes transmitting, by the QLP circuitry to the ATM, the control signal.

Abstract: A virtual punch card rewards system is described. The system includes a user database that stores user information concerning a plurality of users, a network interface configured to communicate data over a network, and a processing circuit comprising a processor and memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive transaction information concerning a payment account belonging to a user, determine a reward category for the user based on the retrieved transaction information, generate virtual punch card parameters for the user based on the determined reward category, and transmit, by the network interface over the network, virtual punch card content to a computing device associated with the user, the virtual punch card content including a first graphical interface configured to present the user with at least one of the generated virtual punch card parameters.

Abstract: Provided is relative multifactor authentication for interactions between users and one or more entities. Relative multifactor authentication includes monitoring a set of attributes associated with a user during an interaction between the user and the entity. The set of attributes include at least two of a behavioral attribute, a health attribute, a geospatial attribute, and a device attribute. Relative multifactor authentication also include comparing respective parameters of attributes of the set of attributes with expected parameters and determining an authentication status based on the comparison and weighted values assigned to respective attributes of the set of attributes. The user is selectively authenticated to begin to continue the interaction based on the authentication status.

Abstract: A computing entity accesses one or more blocks of a blockchain, encrypts the content of the one or more blocks using a first cryptographic technique to generate one or more first encrypted block values, and writes a first side chain block comprising the one or more first encrypted block values and a first signature to a first side chain. The computing entity accesses at least one of (a) at least one block of a particular second set of one or more second sets of the plurality of blocks or (b) one or more first side chain blocks corresponding to blocks of the second set, encrypts the content of the accessed block(s) using a second cryptographic technique to generate at least one second encrypted block value, and writes a second side chain block comprising the at least one second encrypted block value and a second signature to a second side chain.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for PQC. An example method includes transmitting a first portion of an electronic communication to a client device over a non-PQC communications channel. The example method further includes transmitting a second portion of the electronic communication to a PQC add-on device over a PQC communications channel, wherein the PQC add-on device is communicatively coupled to the client device. In some instances, the first portion of the electronic communication may comprise overhead data, and the second portion of the electronic communication may comprise payload data.

Abstract: Systems, apparatuses, and methods are disclosed for quantum entanglement authentication (QEA). An example method includes transmitting a first number and a second electronic identification of a second subset of the first set of entangled quantum particles to a second computing device, transmitting a second number and a first electronic identification of a first subset of a first set of entangled quantum particles to a first computing device, wherein each entangled quantum particle in the first set of entangled quantum particles is entangled with a respective entangled quantum particle in a second set of entangled quantum particles, receiving, from the first computing device, a first session key, receiving, from the second computing device, a second session key and in an instance in which the first session key corresponds to the second session key, authenticating a session between the first computing device and the second computing device.

Abstract: Systems and methods for securely sharing and authenticating a last secret include requesting, by a computing system on a first network node, a seed configured for deriving or recovering the last secret from a cryptographic module on a second network node different than the first network node. The last secret provides access to a secure entity and is the last cryptographic element controlling access to the secure entity. The systems and methods include generating the seed configured for deriving or recovering the last secret, creating an envelope for the seed, and transmitting the seed to the computing system as enveloped data by the cryptographic module. The systems and methods include decrypting the EnvelopedData to recover the seed and deriving or recovering the last secret based on the seed by the computing system. The cryptographic module cannot derive the last secret and excludes the last secret.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for PQC. An example method includes transmitting a first portion of an electronic communication to a client device over a non-PQC communications channel. The example method further includes transmitting a quantum cryptographic key to the client device over a quantum communications channel and authenticating a session with the client device over the non-PQC communications channel based on the quantum cryptographic key. Subsequently, the example method includes, in response to authentication of the session with the client device, transmitting a second portion of the electronic communication to the client device over a PQC communications channel. In some instances, the first portion of the electronic communication may comprise overhead data, and the second portion of the electronic communication may comprise payload data.

Abstract: Identification of anomalous transaction attributes in real-time with adaptive threshold tuning is provided. A set of historical transactions conducted during a defined time period are analyzed and categorizing into defined groups. Outlier transactions are identified and removed from the set of historical transactions and a set of non-anomalous transactions are determined. When a new transaction is received, the new transaction is automatically allowed based on a determination that the subsequent transaction conforms to the set of non-anomalous transactions. Alternatively, an alert for further analysis for the new transaction is output based on a determination that the subsequent transaction does not conform to the set of non-anomalous transactions.

Abstract: A method may include receiving an indication that an electronic alert is to be transmitted to a user; obtaining contextual information associated with the user; determining a first time for presenting the electronic alert to the user based in part on the contextual information; transmitting the electronic alert to a computing device associated with the user at the first time; storing the electronic alert in a message feed data structure; receiving a request to view the electronic alert at a second time, the second time occurring after the first time; in response to the request, retrieving the electronic alert from the message feed data structure; and transmitting the electronic alert at the second time.

Abstract: A system implemented on a server computer for managing digital certificates includes a certificate management agent module, a digital certificate processing module and a configuration module. The certificate management agent module processes requests to create a plurality of certificate management agents. Each of the certificate management agents is configured to manage a lifecycle of a digital certificate for a client electronic device. The digital certificate processing module processes requests from the certificate management agent module for digital certificates for the plurality of certificate management agents. The configuration module receives and processes configuration parameters for the certificate management agents and for the digital certificates.

Abstract: Apparatus and methods relating to a counter recycling device are described. The counter recycling device may contain a receiving pocket, a counter mechanism, an escrow section, and an escrow door. The receiving pocket is configured to accept currency and is connected to the counter mechanism. The counter mechanism may be configured to count the currency inserted into the receiving pocket. The counter recycling device may also include an escrow section, which may be configured to collect and hold the currency in a secure area. Additionally, the counter recycling device may include an escrow door configured to enclose the escrow section on a face of the counter recycling device, the escrow door being transparent and allowing currency within the escrow section to be viewable when the escrow door is in a closed position.

Abstract: In an example of this disclosure, a method may include storing, by a first database server, first call session information in a data structure in a memory of the first database server. The first call session information may correspond to a unique identifier that corresponds to a caller. The method may include replicating the first call session information stored in the data structure in the memory of the first database server to a data structure in a memory of a second database server.