Abstract: Systems, methods, and apparatuses for providing a customer a central location to manage permissions provided to third-parties and devices to access and use customer information maintained by a financial institution are described. The central location serves as a central portal where a customer of the financial institution can manage all access to account information and personal information stored at the financial institution. Accordingly, the customer does not need to log into each individual third-party system or customer device to manage previously provided access to the customer information or to provision new access to the customer information.

Abstract: A system includes at least one processing circuit including at least one memory storing instructions therein that are executable by one or more processors to: obtain, via a first user interface, a query associated with a profile of a user, the first user interface configured to present an output corresponding to a first format; generate, based on the query and first data corresponding to the profile of the user, second data as a response to the query; select, according to a determination that a structure of the second data satisfies a heuristic corresponding to a second format, a second user interface configured to present an output corresponding to the selected second format; and cause the second user interface to present an output in the selected second format corresponding to at least a portion of the second data.

Abstract: A financial institution computing system includes a network circuit exchanging information over a network, a customer database storing financial information, and a transaction circuit. The transaction circuit receives a transaction request associated with a user computing device. The transaction request specifies a financial account. The transaction circuit receives payment card location information indicative of a location of a payment card with respect to the user computing device. The payment card location information indicates that the payment card is within a threshold distance of the user computing device. The transaction circuit authenticates the transaction request using the payment card location information and by determining whether the payment card is associated with an authorized user of the financial account.

Abstract: A method for processing requests to consolidate loans includes receiving, from one or more third party electronic computing devices, information regarding outstanding loans for a user that are issued by one or more third party lenders. The information is sent to a user electronic computing device. A selection is received of loans the user wishes to refinance or consolidate. A benefits analysis is performed for the loans. Based on the benefits analysis, a determination is made of whether any of the outstanding loans can be consolidated, and whether any of the loans are excluded from being consolidated. Consolidated loan information is sent to the user electronic computing device regarding a consolidated loan for any of the loans that can be consolidated. Exclusion information is sent to the user electronic computing device regarding any of the loans that are excluded from being consolidated.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for processing third-party communications. In particular, a method includes: receiving, by communications hardware, a message to be transmitted to a message target device; determining, by a verification engine, that the message is legitimate; appending, by a badge generation engine, a verification badge to the message to obtain a verified message; and transmitting, by an in-application (in-app) messaging engine and via a secured in-app messaging channel, the verified message to the message target device to be displayed on the message target device via an application executing on the message target device.

Abstract: Systems, methods, and computer-readable storage medium for managing tokens are provided. A method includes: receiving, by a token management system from a user device, a token command from a user associated with a target token; determining, by the token management system, an entity of a plurality of entities associated with the target token, where each of the plurality of entities is associated with a separate entity computing system that stores at least one token of a plurality of tokens, and where each of the plurality of tokens is registered with the token management system and associated with the user, in response to determining the target token is managed by the entity, transmitting, by the token management system, the token command to an entity computing system of the entity; and receiving and storing, by the token management system, an updated token from the entity computing system based on the token command.

Abstract: Systems, methods, and apparatuses for providing a customer a central location to manage permissions provided to third-parties and devices to access and use customer information maintained by a financial institution are described. The central location serves as a central portal where a customer of the financial institution can manage all access to account information and personal information stored at the financial institution. Accordingly, the customer does not need to log into each individual third-party system or customer device to manage previously provided access to the customer information or to provision new access to the customer information. A user additionally 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. Restrictions on how user data is used by devices, applications, and third-party systems can be imposed via a central portal.

Abstract: Systems, methods, and computer-readable storage media for performance indicator operations are disclosed. One method includes identifying user activity data and one or more performance indicators of a user, and modeling the user activity data to generate one or more performance products including a plurality of performance parameters corresponding to a future performance indicator of the user. The method further includes generating and presenting a graphical user interface (GUI) including one or more actionable events associated with the plurality of performance parameters, and monitoring the user activity data and the one or more performance indicators of the user based on receiving new activity data corresponding to the future performance indicator from a user data source. The method further includes presenting one or more content items on the GUI including an indication of whether the user satisfies the plurality of performance parameters of the one or more performance products.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for developing an optimized debt service strategy solution utilizing products across multiple product categories. An example method includes receiving, by communications hardware, a user dataset. The example method also includes processing, by surrogate modeling circuitry, the user dataset using a plurality of surrogate models. The example method also includes generating, by the surrogate modeling circuitry and based on the processing of the user dataset, a parameter estimation set. The example method also includes determining, by optimizer modeling circuitry and based on the user dataset and the parameter estimation set, at least one debt service strategy solution comprising at least one product of a first product category from a plurality of products associated with multiple product categories. The example method also includes causing presentation, by communications hardware, of the at least one debt service strategy solution.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for distillation of a natural language processing model. An example method includes receiving, by communications circuitry, a set of text data comprising a set of observations and predicting, by processing circuitry and using the NLP model, classifications for each observation in the text data. The example method further includes generating, by model training engine, a balanced sampled data structure based on the predicted classifications for each observation in the text data and training, by the model training engine, a surrogate model using the balanced sampled data structure. The example method further includes identifying, by an interpreter and from the surrogate model, a set of most-influential tokens in the text data.

Abstract: Systems and methods for verifying tokens. The method includes creating a token of a digital title for an asset, the token including proof of ownership of the asset, an identifier of the asset, wherein creating the token further includes signing the token with a private key and embedding the token into a metadata field of the math-based currency (MBC) transaction. The method further includes tracking, using an overlay ledger, an amount of MBC associated with each customer in the MBC transaction, wherein the MBC is a cryptocurrency, and wherein the overlay ledger associates an individual customer with a designated amount of MBC and receiving an asset transfer request regarding the token. The method further includes, responsive to the token being signed with the private key, transmitting a title verification and updating an owner of the token for the asset.

Abstract: A method of authenticating a smart card for a mobile pay function of a mobile device using a smart card is disclosed. The method includes: offering, by a mobile pay circuit of the mobile device, a mobile pay function; receiving, by the mobile pay circuit, an affirmative user input to enable the mobile pay function; wirelessly receiving, by a contactless logic of the mobile device, an authentication code from a smart card, wherein the authentication code includes identifying customer information; automatically populating, by the mobile pay circuit, one or more fields of a graphical user interface provided by the mobile pay circuit with the received identifying customer information; authenticating, by the mobile pay circuit, the smart card using the authentication code; and, enabling, by the mobile pay circuit, the mobile pay function with the smart card upon authenticating the smart card.

Abstract: A system comprises a memory and one or more processors in communication with the memory. The one or more processors may be configured to obtain information associated with one or more authorized file changes and store the information associated with one or more authorized file changes in a first index. The processors may be further configured to obtain one or more file change events and enrich the one or more file change events with the information associated with one or more authorized file changes from the first index. The processors may also be configured to store the one or more file change events enriched with the information associated with one or more authorized file changes in a second index, and based on the enriched data stored in the second index, output an indication that the one or more file change events are false positives.

Abstract: System, apparatus, and computer program products are disclosed for protected display of a requested user interface. In one aspect, a method includes receiving a protected mode display request to display the requested user interface in a protected mode, wherein the requested user interface comprises a plurality of data values; in response to the protected mode display request: (i) retrieving a data protection template for the protected mode display request, (ii) determining, based on the data protection template, one or more protected data values of the plurality of data values and one or more unprotected data values of the plurality of data values, (iii) for each protected data value, generating a masked representation, and (iv) generating a masked user interface that comprises: (a) each unprotected data value, and (b) each masked data value; and causing the masked user interface to be presented using a display device.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for securing communications between devices. An example method includes obtaining a quantum random number (QRN) from a remote QRN source using a secure communication channel between the initiating device and the remote QRN source. The QRN may be a true random number. The example method may also include using the QRN to participate in computer implemented services with the participating device that received the QRN from the remote QRN source.

Abstract: Systems, methods, and apparatuses for providing a customer a central location to manage permissions provided to third-parties and devices to access and use customer information maintained by a financial institution are described. The central location serves as a central portal where a customer of the financial institution can manage all access to account information and personal information stored at the financial institution. Accordingly, the customer does not need to log into each individual third-party system or customer device to manage previously provided access to the customer information or to provision new access to the customer information. A user additionally 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.

Abstract: A computer-implemented method includes receiving a transaction request including a transaction amount, determining that the transaction amount would cause a violation of a daily spending limit, determining to apply an adaptive daily spending limit (ADSL) override, generating an approval message indicating that the transaction request is approved based on the application of the ADSL override, transmitting the approval message to an automated teller machine (ATM), and dispensing the transaction amount in a currency by the ATM.

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 system includes a processing circuit configured to receive asset data relating to assets of an entity and asset integration parameters. The processing circuit is further configured to model the asset data with the asset integration parameters to generate asset integration data for the assets. The asset integration data corresponds to two or more of the assets that may be combined based on the asset integration parameters. The processing circuit is further configured to generate and provide, to a graphical user interface (GUI) of a user device, an interface corresponding to the asset integration data. The interface includes a plurality of elements illustrating the two or more of the assets that may be combined.

Abstract: A system includes a processing circuit configured to receive asset data relating to assets and asset distribution parameters. The processing circuit is further configured to model the asset data with the asset distribution parameters to generate initial distribution data for the assets. The processing circuit is further configured to generate initial display data based on the initial distribution data and provide the initial display data to a user device. The processing circuit is further configured to receive a user adjustment to the elements from the user device. The processing circuit is further configured to model the initial distribution data with the user adjustment to generate adjusted distribution data. The processing circuit is further configured to generate adjusted display data based on the adjusted distribution data and provide the adjusted display data to the user device.