Abstract: An application can be converted to new programming language or framework. A source application written for a legacy framework is analyzed and divided into smaller segments of code. The smaller segments are evaluated for quality in view of best practices design for writing applications. A rubric is determined for each segment and compared to a best practice threshold. Segments can be evaluated for features that can be passed through a model. The model converts the features into new code adapted for target framework. Machine learning and rules databases are updated with details of the conversion.

Abstract: A provider computing system includes a bill pay application circuit configured to receive a request from a user to pay an amount of funds to a biller, determine a customer funds account number for the user, determine a biller funds account number for the biller, and generate a payment request. The provider computing system includes a transaction management system configured to receive the payment request from the bill pay circuit and provide a first post and a second post to a funds account circuit and generate a payment notification. The provider computing system includes a biller posting services circuit configured to receive the payment notification and determine a corresponding customer bill account number. The biller posting services circuit is configured to generate a data object that includes the payment notification and the customer bill account number and cause the data object to be provided to a biller computing system.

Abstract: A computer system and a transaction machine (such as an automated teller machine (ATM)) of the same financial institution, can provide a third party customer the ability to pay bills, issued by the third party, at the ATM. A third party computer system communicates with the financial institution computer system to register the third party customer and obtain a first passcode associated with the third party customer. The financial institution computer system communicates the passcode and an associated bill amount to the ATM. The ATM accepts and verifies a second passcode received from the third party customer. The ATM communicates with the third party computer system to verify the bill amount. Responsive to receiving the verification, the ATM communicates with the third party user to accept a payment. Upon successfully receiving the payment, and verifying the payment amount, the ATM sends a payment notification to the third party computer system.

Abstract: Systems and methods provide for usage based insurance. The insurance system can apply rental insurance based on realtime operational parameters and on a usage history of the renter so that the insurance being applied to the rental period accurately reflects the risks and costs of the device usage. Realtime operational parameters of the device can be obtained from an electronic control unit on the device. The operational parameters can include information about how the vehicle is being operated and whether or not the device is being used in an autonomous or semi-autonomous operating mode. The usage history can include prior operational parameters from previous rental periods, traffic and other regulatory violations, and other relevant information associated with the user. The usage based insurance can apply to the entire rental period, or to portions of the rental period.

Abstract: A method of remotely configuring a banking application based on a detected location of a computing device running the banking application, the method comprising: receiving a beacon identifier relating to a location of the computing device; determining the location of the computing device based on the beacon identifier; transmitting information about the determined location associated with a second authentication level that does not require authentication information; receiving authentication information relating to the user; authenticating the user to access a graphical user interface associated with the determined location based on the received authentication information; transmitting an authentication decision to the computing device; and displaying the graphical user interface instead of the information about the determined location.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of funds transfer authentication. The authentication can include receiving a transfer request to transfer funds from a payer to a payee, the transfer request identifies the payer, the payee, and an amount to transfer. Customer information associated respectively with the payer and the payee is identified. The payer and the payee are authenticated. A communication session is opened between the payer and payee. A time-limited payee OTP is generated and sent to the payee. The payee OTP is received within a first time limit. The funds are transferred from the payer to the payee based on receiving a matching payee OTP.

Abstract: Various arrangements relate to a method performed by a processor of a computing system. An example method includes hashing a first salted value to generate a first hashed salted value. The first salted value includes a first salt value and a value. A first tuple is generated. The first tuple includes the first hashed salted value and a first token. The first token is associated with the value. A first BAT message is generated. The first BAT message includes the first salt value. The first BAT message is associated with the first tuple. A second salted value is hashed to generate a second hashed salted value. The second salted value includes a second salt value and a value. A second tuple is generated. The second tuple includes the second hashed salted value and a second token. The second token is associated with the value. A second BAT message is generated.

Abstract: Systems and applications are described that use group signature technology to allow for anonymous and/or semi-anonymous feedback while allowing for the application of rules and parameters. The use of group signature technology may serve to potentially mitigate or prevent malicious identification of individuals or entities providing a communication such as feedback. Feedback may range from constructive feedback all the way to the ‘whistleblower’ variety. It may be desirable to identify the individuals as belonging to a particular group or having a particular status or position while maintaining the anonymity of the individuals within the particular group.

Abstract: An example method for rendering a dynamic dashboard for an electronic computing device includes receiving data regarding a server computing device. The data indicates whether there are any current or potential problems that impact an operation of the server computing device. Information is obtained regarding any business applications currently running on the server computing device. Information is obtained regarding customers using the business applications currently running on the server computing device. The dynamic dashboard is created to include the information regarding the customers and the business applications currently running on the server computing device and that describes any current or potential problems based on the data. Content of the dynamic dashboard is tailored based upon an identity of an individual who is accessing the dynamic dashboard. The dynamic dashboard is rendered on the electronic computing device.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of vehicle based transactions. The innovation associates a tag with a financial account and a vehicle. The financial account is associated with a customer that is associated with the vehicle. The tag is readable to perform associated financial functions. The tag is scanned with a reader. The reader is associated with the entity authorized to make charges to the financial account. Security controls are applied for the tag. The security controls dictate a charge type or authorized creditor for executing transactions. A financial transaction is executed between an entity and the customer using the tag associated with the financial account.

Abstract: A system includes an administration tool circuit structured to store a list of enrolled services for a mobile wallet application, store a user account corresponding to an end user of the mobile wallet application, provide a portal structured to allow an administrator to input a command to assign a subset of the enrolled services to the user account, and generate a customized mobile wallet for the user based on the user account. The customized mobile wallet provides access to the subset of the available services. The system also includes a mobile wallet circuit communicably and operably coupled to the administration tool circuit and structured to receive the customized mobile wallet from the administration tool circuit, receive a request from the user device to access a first service of the customized mobile wallet, and provide the first service at the user device via the customized mobile wallet.

Abstract: Aspects for international remittances are disclosed herein. A sender initiates a request to remit funds to a recipient. The sender has an account with a first financial institution and the recipient has an account with a second financial institution. The request is communicated to specific bidders that have accounts with both the first and second financial institutions. The bidders submit bids for satisfying a request. When a bid is selected, funds are transferred from the sender's account with the first institution to the bidder's account with the first institution, and from the bidder's account with the second institution to the recipient's account with the second institution.

Abstract: A method includes displaying a financial services document on a display screen of an electronic computing device. The financial services document is displayed on a first section of the display screen and on a second section of the display screen. An action is performed on the financial services document on the first section of the display screen without changing the display of the financial services document on the second section of the display screen. An action is performed on the financial services document on the second section of the display screen without changing the display of the financial services document on the first section of the display screen.

Abstract: Methods and systems of authorizing transaction requests are disclosed. A financial institution computing system includes a network circuit exchanging information over a network, a customer database storing financial and identification code information for a plurality of customers, and a transaction circuit. The transaction circuit receives a transaction request over the network that specifies a financial account and includes a first identification code provided by an authentication device in conjunction with a separate customer computing device. The transaction circuit authenticates the transaction request by determining whether the first identification code is associated with an authorized user of the financial account specified in the transaction request, authorizes the transaction request, and transmits a confirmation to a transaction terminal over the network via the network circuit.

Abstract: Various systems, methods, and apparatuses relate to managing data transmissions from one or more Internet of Things (IoT) devices. A method includes discovering, by a discovery engine, one or more Internet of Things (IoT) devices; tracking, by the discovery engine, data transmission from the one or more IoT devices; generating, by a privacy lens communicably coupled to the discovery engine, a privacy rule regarding the data transmission from the one or more IoT devices; and applying, by the privacy lens, the privacy rule to the one or more IoT devices, the privacy rule configured to control data transmission from the one or more IoT devices.

Abstract: Systems and methods for contactless ATM transactions are described. A method includes: transmitting a first data payload to the ATM via a first short-range wireless communication; receiving a request for authentication information regarding a user of the mobile device via the first short-range wireless communication; launching a provider institution mobile application on the mobile device based on the request for authentication information; receiving authentication information based on the request; transmitting the received authentication information to the ATM via a second short-range wireless communication; receiving a request for transaction information from the ATM via the second short-range wireless communication; and transmitting desired transaction information to the ATM as part of the ATM transaction.

Abstract: Systems and methods for managing a set of electronic assets from a single location are disclosed. The method includes providing a portal with a network security access control. The method includes determining that login credentials input to the access control are associated with a set of electronic assets corresponding to a plurality of third-party computing systems with application programming interface (API) gateways configured to accept API calls directed to changes in functionality of the electronic assets. The method includes presenting, via the portal, a virtual icon to identify a coordinated action with respect to the set of electronic assets and, in response to a selection of the virtual icon, executing a set of API calls that include an asset-specific API call to each third-party computing system in the plurality of third-party computing systems to implement the coordinated action on all electronic assets in the set of electronic assets.

Abstract: An example method includes sending a request for performance information associated with one or more candidate devices with which a device may perform a new transaction, responsive to sending the request, receiving the performance information that includes data associated with at least one historical transaction previously performed by the one or more candidate devices, analyzing the performance information using one or more device-specific performance criteria defined by the device, wherein the one or more device-specific performance criteria are associated with the new transaction and/or the candidate devices, determining, based on the analyzing, rating information associated with the candidate devices, wherein the rating information is customized for the device using the device-specific performance criteria that are defined by the device, selecting, based on the rating information, a particular candidate device from the one or more candidate devices, and initiating, with the particular candidate device, pe

Abstract: Disclosed are approaches for computationally-efficient data promulgation among devices in a network. Structured databases may comprise standardized and immutable bytes, each byte linked to a unique data field, a mutable state element, and a mutable activation element. The state element may indicate that there has been a mutation as well as a recency of the mutation. The activation element may indicate whether data pushes and/or data pulls are enabled. The state elements are configured to automatically mutate if there is a mutation in a corresponding unique data field. Each device in the network may transmit API calls as state-element requests to other entity devices in a network. The API call includes at least one byte, without any values in corresponding data fields. State elements are promulgated among devices, without sharing the data fields themselves. An optional central system maintains a record of state elements without storing data field values.

Abstract: In an example of this disclosure, a method may include receiving, by a database server, a data write request. The data write request may include authentication information corresponding to a first call session and first additional information. The method may include generating, by the database server, a first unique identifier based on the first additional information. The authentication information may correspond to the first unique identifier. The method may include storing the first unique identifier and the authentication information in a data structure in a memory of the database server.