Abstract: A system for payment processing using a mobile device configured to generate a unique code associated with a transaction to pay a recipient. The system further comprises mobile wallet account processing logic configured to receive the unique code and payment receipt options from a recipient. The mobile wallet account processing logic is further configured to transmit funds using an ACH network to the recipient.

Abstract: In an example, a computer-implemented method includes determining, by one or more processors, a server dependency between a first server and a second server of a multi-server system, where determining the server dependency comprises identifying a bilateral communication between the first server and the second server. The method also includes determining, by the one or more processors, for the determined server dependency, an application dependency between a first application executed at the first server and a second application executed at the second server based on first process information associated with the first application and second process information associated with the second application, and generating data that indicates at least one of the determined server dependency and the determined application dependency.

Abstract: Techniques are described for powering a chip-enabled card using a wearable computing device. The chip-enabled card is paired with the wearable computing device and a specific signal is generated for the chip-enabled card. When the chip-enabled card is proximate to the wearable computing device, the wearable computing device transmits the specific signal associated with the chip-enabled card through a conducting element in contact with the user's body, through the user's body, and to a touch pad of the chip-enabled card that is also in contact with a portion of the user's body. According to the disclosed techniques, the chip of the chip-enabled card verifies that the received specific signal is associated with the chip-enabled card, and uses the verified specific signal to power subsequent transactions performed by the chip-enabled card. In this way, the chip-enabled card only emits a signal to perform transactions when the user is holding the card.

Abstract: A computer system is described that is configured to enable customers of an organization to self-monitor account activity and modify account access settings via a contact center of the organization. The contact center control system is configured to provide an interactive call history associated with the customer's accounts with the organization. Using the call history, the customer may perform self-monitoring of calls into the contact center that access the customer's accounts, and notify the organization if any of the calls appear suspicious. The contact center control system is configured provide a user interface through which the customer may modify account access settings including changing which types of authentication methods are enabled to access the customer's accounts, and blocking account access by callers from certain phone numbers. The contact center control system may allow the customer to turn off all access to the customer's accounts via the contact center.

Abstract: Systems, methods, and other embodiments associated with intelligent authentication. According to one embodiment, a system includes a transaction logic configured to receive transaction metadata associated with an attempted transaction. The transaction logic is also configured to identify a user attempting the attempted transaction. The system further includes an activity logic configured to access an activity log associated with the user. The activity log includes values corresponding to previous transactions made by the user and any additional information provided by 3rd party feeds. The activity logic is also configured to compare transaction metadata to the values. The system also includes an authentication logic configured to select an authentication level for the transaction based, at least in part, on the comparison.

Abstract: A system for generating rate and payment information for a customer receives an inquiry type from a customer relating to a loan or mortgage. The system also receives a value specific to the potential loan or mortgage. In combination with a product and policy database and a pricing/fee database, relevant financial products are determined and provided to the customer. The inquiry type can include buying a property, refinancing a mortgage, improving a property, and/or using funds from a property.

Abstract: Provided is software versioning that allows a set of features to be selectively enabled and/or disabled based on a value of a switch associated with each feature of the set of features. The software versioning includes an administrator component that receives a change to a switch associated with at least one application. A toggle component generates a configuration notice based on an indication of the change to the switch. A tool kit component facilitates implementation of the change at the application based on the configuration notice received from the toggle component.

Abstract: Systems, methods, and apparatuses for making a deposit by a customer are provided. The system includes a financial institution computing system. The financial institution computing system is communicable with an ATM over a network, and structured to receive deposit information from the ATM and to determine an amount of funds from the deposit that are available to the customer for immediate withdrawal at the ATM based on the deposit information. The deposit information includes an event indicator. The event indicator has a first value when the customer voluntarily enters a keyed-in deposit amount into the ATM, a second value when the customer is prompted to enter a keyed-in deposit amount into the ATM by the ATM, and a third value when the customer does not enter a keyed-in deposit amount into the ATM. The first value, the second value, and the third value are all distinct from one another.

Abstract: One or more embodiments of techniques or systems for intelligent data presentation are provided herein. Data can be presented on similar devices having different characteristics in different manners. For example, data may be rendered in a first manner on a first device having one monitor, the same data may be rendered in a second manner on a second device having two displays or a different display size. Financial information, sales data, banking information, etc. may be presented in a variety of ways based on capabilities or properties of a device accessing the information or data. Similarly, renderings may be selected based on interaction capabilities or interaction options a user may have with different renderings or presentations. In other embodiments, user interaction with an automated teller machine (ATM), call center, vehicle, or other interface can be based on device properties or device capabilities.

Abstract: This disclosure describes techniques for establishing a voice authentication credential for an authenticated user of a mobile device. Techniques in accordance with one or more aspects of the present disclosure may enable use of an interactive voice response (IVR) system for creating a voice authentication credential for a user of a computing device, such as a mobile phone. In one example, a method includes receiving authentication data from a computing device; authenticating a user operating the computing device; storing session data associated with the computing device; outputting instructions for communicating with an interactive voice response (IVR) system; receiving information from the IVR system; determining that the computing device has used the instructions to communicate with the IVR system; and enabling the IVR system to establish a voice authentication credential for the user of the computing device.

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 method includes verifying the identity of an individual. A virtual passport for the individual is created upon verifying the identity of the individual. The virtual passport uniquely identifies the individual. A public/private key pair associated with the individual is generated. The virtual passport is signed with the private key. The signed virtual passport is entered in a public block chain. The signed virtual passport may be retrieved from the public block chain. The authenticity of the signed virtual passport may be determined via the public key.

Abstract: A computer-implemented system and method for providing offers to a mobile device includes receiving at least one offer from at least one merchant at an offer computer system and determining, by the offer computer system, an offer to present on the mobile device based on at least one characteristic of a user of the mobile device, the offer providing the user a discount from a price of a product or service. The method includes receiving a request for a code to provide to a merchant, the code being generated for the mobile device that belongs to the user. The method includes receiving, from a mobile device, an indication from the user to use the offer and sending, by the offer computer system, to the mobile device an offer code to be displayed on the mobile device to be received by a merchant.

Abstract: One or more embodiments of techniques or systems for session management, security scoring, and friction management are provided herein. Sessions may be monitored for commonalties or other attributes or aspects and closed, terminated, or a freeze placed on additional sessions from being initiated. A security score may be provided which is indicative of how secure a user is with respect to one or more ways the user interacts with a resource. One or more suggested actions or score improvement strategies may be suggested to facilitate improvement of a security score for a user. Friction management may be provided by having one or more additional layers of security applied to an account of a user or an entity based on suspicious behavior or other factors.

Abstract: Aspects of the present disclosure relate to systems and methods for detecting a threat of a computing system. In one aspect, a plurality of instances of input data may be received from at least one sensor. A feature vector based upon at least one instance of the plurality of instances of input data may be generated. The feature vector may be sent to a classifier component, where a threat assessment score is determined for the feature vector. The threat assessment score may be determined by combining information associated with the plurality of instances of input data. A threat assignment may be assigned to the at least one instance of data based on the determined threat assessment score. The threat assignment and threat assessment score may be disseminated.

Abstract: Identification information is received from a transaction card at a transaction machine. The transaction card is associated with an account holder using the transaction machine and includes a transaction card type. Using the identification information, activity profile information is accessed for the account holder. The account holder's transaction machine usage is monitored and activity profile information related to the account holder's transaction machine usage is stored. A custom sequence of user interfaces to be displayed to the account holder is generated based on the transaction card type.

Abstract: Systems (and corresponding methodologies) that facilitate card-less financial transactions are provided. The innovation enables card-less ATM (automated teller machine) transactions such as cash withdrawals, transfers, balance inquiries, etc. In aspects, customers can set up an ‘electronic wallet’ account based upon a pre-set range or otherwise. Accordingly, access to the ‘electronic wallet’ is granted or denied based upon responses to challenges presented.

Abstract: An electronic computing device includes a processing unit and system memory. The system memory includes instructions which, when executed by the processing unit, cause the electronic computing device to: receive a communication containing audio data; automatically identify one or more sounds in the audio data of the communication that can be correlated with a geographical location; use the identification of the one or more sounds to identify the geographical location for the audio data; and verify an identity of an individual using the geographic location from the audio data.

Abstract: The methods and system allow for the generation of a biometric electronic signature token using a subsequent biometric sample after an enrollment of a biometric reference value in a biometric system. The biometric electronic signature token is such that the data would be signed data, cryptographic message type, to package this signature, providing two authentication factors: the possession of the private key associated with the public/private key pair used to sign the signed data and the biometric sample of the user that could be matched against the template. The process allows a signing party to enroll in a biometric service, sign a piece of data or content using a public key, that may be tied to a trusted anchor certificate authority, and submit a biometric sample. Subsequently, the relying party may validate the information on that piece of data or content to confirm the identity of the signing party.

Abstract: Techniques are described for evaluating message content in each of a plurality of messages in order to improve communication between customers and customer service representatives. The disclosed techniques enable efficient evaluation of the message content in each of the messages in order to determine a readability score for each of the messages. A computing device performs the efficient evaluation by processing the message content into a binary representation using a first value to represent vowels and a second value to represent non-vowels. The binarization of the message content allows the computing device to perform a syllable count and determine a readability score for each of the plurality of messages, which may include millions of messages. Based on the readability scores, the computing device may identify readability gaps between the representative messages and the customer messages, and generate subsequent representative messages that reduce the identified readability gaps.