Abstract: A system, method, and apparatus for carrying out a value transfer is provided. A method includes receiving, by a computing system of a financial institution, a de-signcrypted value transfer message including terms of a value transfer from an account of a sending party to an account of a merchant, wherein a receiving party desires to make a purchase from the merchant and the value transfer is a payment from the sending party account to the merchant account; and one or more spending limitations on the desired purchase, wherein the payment is contingent on the desired purchase meeting the spending limitations. The method then includes verifying the authenticity of the de-signcrypted message using a public key of the sending party and a private key of the financial institution; and dispersing funds according to the terms of the value transfer.

Abstract: A system for managing security within an enterprise includes a computing device that receives a vulnerability, generates a user score for each user within the enterprise and generates a threat score for the vulnerability. A user device score may also be generated for each device associated with a user. Based on the user score and the threat score, a composite score is generated. After acquiring a security measure, the security measure is implemented based on the composite score and, at times, the user score.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for post-quantum cryptography (PQC). An example method includes receiving data, a set of data attributes about the data, and a risk profile data structure indicative of a vulnerability of the data in a PQC data environment. The example method further includes retrieving PQC cryptographic performance information associated with a set of PQC cryptographic techniques. The PQC cryptographic performance information may comprise a set of PQC cryptographic performance attributes for each PQC cryptographic technique in the set of PQC cryptographic techniques. The example method further includes generating a set of PQC encryption attributes for encrypting the data based on the set of data attributes, the risk profile data structure, and the PQC cryptographic performance information. Subsequently, the example method includes encrypting the data based on the set of PQC encryption attributes.

Abstract: Various examples described herein are directed to systems and methods that learn to evaluate data items. A computing device receives data items and evaluates the data items. The evaluation performed by the computing device includes comparing a first data item with a second data item and determining a difference between the first data item and the second data item based on the comparison. The computing device also prepares a recommendation based on the difference between the first data item and the second data item and forwards the recommendation to a subject matter expert. The computing device receives an updated recommendation from the subject matter expert that is based on the recommendation. Using the updated recommendation, the computing device refines the comparing and determining operations where the computing device further learns to evaluate the data items by receiving the updated recommendation and refining the comparing and determining operations.

Abstract: An administrator installs a key management agent on a previously approved client machine. The agent is started on the client machine, which posts requests for keys to a central key management service. The central key management service logs requests posted to it by clients, and checks for existing pre-approval records. If none are found, a message is typically sent to an approver for the requesting client machine. When a request is verified as approved, the request is flagged for further processing. The supported systems continuously or periodically look for records flagged for processing, use requests to generate keys and other appropriate elements for the requesting client machine, and post keys and other elements to the key management database. The key management agent polls the central key management service periodically until finding the expected key file, which it downloads and installs into a protected file location on the client machine.

Abstract: Systems, methods, and apparatuses for establishing a pull payment relationship are disclosed herein. A method performed by a financial institution computing system includes registering a payee for a pull payment service; registering a payor for the pull payment service; receiving an indication of a contact or a near contact event occurring between a user device associated with the payee and a user device associated with the payor; establishing a pull payment relationship between the payee and the payor responsive to receiving the indication; and fulfilling a payment request from the payee based on the established pull payment relationship.

Abstract: A computer system is described that is configured to calculate probable risks of assets being transferred away from an institution that is currently holding the assets. In order to reduce transfers of assets from an institution, the computer system is configured to predict a likelihood of transfer of the asset from the institution based on the client data. The computer system is configured to predict a risk of transfer of the asset that takes into account the value of the asset. For example, particular higher value assets may be more valuable to the financial institution than other assets given a comparable likelihood of transfer. The computer system is further configured to propose and/or prioritize actions, such as potential advising opportunities, to minimize the risk of transfer of the asset from the financial institution.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of validating models guided by machine learning algorithms. The innovation can begin by receiving a risk model for validation having multiple sets of data. A first data set is selected from as an input. Outputs are generated for validation. One output can be generating a second set of analysis results using a comparable algorithm to the risk model. Another output can be generating a second set of variables and transformations using a machine learning algorithm and an un-transformed set of the selected variables to assess the set of selected transformations. Another output can be generating a third set of variables using one or more machine learning algorithms and an extended feature set of variables to assess the selected variables. The outputs are compared to the analysis results, coefficients, selected variables, and selected transformations. A report of the comparison is generated.

Abstract: Vehicle transactions can be facilitated based on location. A customer location can be tracked relative to vehicles at a dealer location. A customer in close proximity to a particular vehicle at a dealer location can be detected, and a finance agreement can be generated between a financing party, the customer, and the dealer of the vehicle based on the detection of the customer and the vehicle. Further, a mechanism is provided to aid execution of the finance agreement as a contract between the customer, the financing party, and the dealer to finalize a sale or lease of the vehicle.

Abstract: Systems and methods for verifying a digital title of an asset transferred via a math-based currency transaction. The method includes receiving a digital title request regarding an asset, creating a digital title for the asset in a digital title database, receiving, from a financial institution computing system, an asset transfer request regarding the asset that is the subject of the math-based currency transaction, verifying that an identity of a seller in the math-based currency transaction matches the identity of the owner of the asset. Then, responsive to the verification that the identity of the seller in the math-based currency transaction matches the identity of the owner of the asset, the method includes transmitting, to the financial institution computing system, a positive title verification and updating the identity of the asset of the digital title for the asset to match an identity of a buyer in the math-based currency transaction.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for at least semi-automated generation of model documentation. In an example embodiment, a template corresponding to a model is selected. User input populating portions of a build notebook is received. The build notebook comprises a model identifier identifying the model and executable code. The build notebook is executed using an execution engine to cause an intermediary file encoded in a type-setting system to be generated. Executing the build notebook causes cross-references of elements of the model documentation to be mapped to appropriate locations within the intermediary file. The elements comprise graphical representations of results of model tests executed on the model and/or extracted or user-defined artifacts required for the model documentation.

Abstract: A social media computing system is described. The social media computing system provides a social media platform to a plurality of users. Additionally, the social media computing system provides merchants the ability to provide targeted offers to users of the social media platform. As used herein, the word “merchants” also includes service providers. The offers relate to goods or services provided by the merchants. In some situations, the offers are transmitted by the social media computing system to user devices based on requests by the users. In other situations, the offers can be transmitted directly from the merchants to the user devices based on determined locations of the user devices.

Abstract: A computer implemented method performed by an identity verification computing system includes generating a user-level token associated with a user-level profile. The user-level profile is associated with a user and is unique to the user. The method includes receiving a request to provide an identity verification of a user via an entity computing system, the request comprising a card-based transaction message associated with a card-based transaction, the card-based transaction message comprising the user-level token. The method further includes accessing the user-level profile associated with the user-level token, obtaining the user-level token from the card-based transaction message, validating the user-level token, and transmitting an identity verification approval to the entity computing system.

Abstract: Systems and methods for cardless authentication of a user at an automated teller machine are described. The ATM may be operated by a financial institution such as a bank. The method comprises displaying an initial screen on the ATM and authenticating the user at the ATM using authentication information transferred from a mobile device. The method further comprises determining available service options for the user of the ATM based upon the cardless authentication of the user at the ATM using the mobile device.

Abstract: A mobile wallet computer server receives a fund access request from a user device. The fund access request is made in connection with a payment transaction. The mobile wallet server generates a tokenized card number, transmits the tokenized card number to the user device, and receives receive the tokenized card number from a card network computer system after having been routed from the user device via a merchant computer system and via an acquirer processor computer system. The mobile wallet computer server converts the tokenized card number to the actual credit card account number of the user and transmits the actual credit card account number to the card network computer system to process the payment transaction.

Abstract: Systems, methods, and apparatuses for tactile user input are described herein. A tactile user input system includes a tactile input device and a smart table. The smart table comprises a network interface and a processing circuit. The processing circuit comprises a processor and a memory. The processing circuit is structured to sense a placement of the tactile input device on the smart table. The processing circuit is further structured to determine a necessary user input and determine a location of the tactile input device on the smart table. The processing circuit is further structured to rearrange a user interface of the smart table. The processing circuit is further structured to communicate a necessary input configuration to the tactile input device and used by the tactile input device to generate a tactile user interface having an appropriate layout based on the necessary input configuration.

Abstract: Systems, methods, and apparatuses for aggregating merchant offers include a network interface structured to facilitate data communication via a network, an accounts database structured to store account information associated with accounts held by the provider, including a payment account associated with a customer, and a processing circuit comprising a processor and memory. The processing circuit is structured to receive a pre-filtered offer from an offer vendor, aggregate the pre-filtered offer with other received pre-filtered offers from multiple offer vendors to create an aggregated offer list, filter the aggregated offer list based on the account information for the customer to create a filtered offer list, generate a prioritized offer list based on the account information for the customer, and transmit the prioritized offer list to a customer device of the customer.

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: Systems and methods for preparing payment requests via cached payee information databases are described. The cached payee database system allows customers of a financial institution to search locally stored payee databases on their mobile devices for payee information. The cache version of the payee database is periodically updated with new and corrected payee information. The cached database system can perform payee searches on a character-by-character basis in real time with minimal delays between searches.