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 selecting a PQC encryption algorithm for encrypting the data based on the set of data attributes, the risk profile data structure, the PQC cryptographic performance information, and a PQC optimization machine learning model. Subsequently, the example method includes encrypting the data based on the selected PQC encryption algorithm.

Abstract: A distributed system includes a user device that is configured to identify a service provided by a service device; determine a specific amount of funds associated with the service; send, to a lending device, a real-time loan request associated with a loan, where the real-time loan request specifies at least an identifier of the user device and the specific amount of funds for the loan; receive, from the lending device, a digital token that specifies usage restrictions that are associated with (i) an approved amount of funds, (ii) a duration of the loan, and (iii) a payee associated with the service device; and send, to the service device, a real-time transaction request for the service provided by the service device, where the real-time transaction request includes the digital token that is redeemable by the payee associated with the service device for the approved amount of funds for the loan.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for providing continuous session authentication and monitoring. An example method includes authenticating, at a first time, a session for a user of the client device based on an authentication image data structure and a plurality of first video frames captured before the first time. The example method further includes extracting sample data from a monitor region for each of a plurality of second video frames captured after the first time and generating motion data based on the extracted sample data. The example method further includes detecting, at a second time, a re-authentication trigger event based on the motion data. Subsequently, the example method includes re-authenticating the session based on the authentication image data structure and a plurality of third video frames captured after the second time.

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: The innovation discloses systems and methods of mirroring a User Interface (UI) of an Automatic Teller Machine (ATM) on a Display screen in a Vehicle (DIV) or mobile Device in Vehicle (DIV) of an occupant of a vehicle which stops in close proximity to the ATM for a financial transaction. The innovation can employ an App (or application) installed in the DIV, smart software installed in the ATM, and Service Support Servers (SSS) in a cloud or bank network. A Device Management Server (DMS) manages the SSS and acts as a gateway between the ATM and SSS. A multi-level (e.g., three level) authentication/authorization can be employed whereby 1) the DIV and ATM are verified and connected to a secure network, 2) the user is verified, and 3) the dispersal of funds into the cabin of the vehicle is authorized.

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: Systems, apparatuses, methods, and computer program products are disclosed for processing electronic information indicative of natural language. An example method includes receiving first electronic information indicative of a sequence of words provided by a user and identifying, based on the first electronic information, a first word and a first natural language. The example method further includes receiving second electronic information indicative of an exogenous event and identifying, based on the second electronic information, the exogenous event. The example method further includes generating one or more natural language attribute data sets based on the identified first word, first language, and exogenous event. The example method further includes generating a natural language transliteration data set based on the one or more natural language attribute data sets.

Abstract: Various methods are provided for quantum computing (QC) based code-optimization. One example method may comprise identifying one or more runtime hotspots in executed code based on one or more QC algorithms and application performance monitoring, evaluating performance of the one or more runtime hotspots, selecting one QC algorithm for each identified runtime hotspot of the one or more identified runtime hotspots, and for each identified runtime hotspot, testing the selected QC algorithm to optimize the identified runtime hotspot.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for post-quantum cryptography (PQC). An example method includes monitoring an enveloped data structure comprising a data envelope and data encrypted based on a first set of PQC encryption attributes. The example method further includes generating an electronic indication of a change in the enveloped data structure. The example method further includes retrieving PQC cryptographic performance information associated with a set of PQC cryptographic techniques. The example method further includes generating a second set of PQC encryption attributes for encrypting the data based on the change in the enveloped data structure and the PQC cryptographic performance information. Subsequently, the example method includes encrypting the data based on the second set of PQC encryption attributes.

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, 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: A computing system includes a network interface configured to communicate data over a network, a vendor database configured to retrievable store vendor data related to a vendor of interest, and a processing circuit with a processor and memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to identify a vendor of interest; conduct a search of internal documents and external resources to obtain the vendor data related to the vendor of interest, store the vendor data in the vendor database, and generate a vendor performance score based on the vendor data.

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: Various systems and methods are provided for quantum computing based optimization of an efficient frontier determination. One exemplary method may comprise identifying one or more filtered portfolio optimization factor data based on one or more portfolio optimization factor data, QC algorithms, and algorithm performance information, selecting one QC algorithm for each filtered portfolio optimization factor data of the one or more filtered portfolio optimization factor data, and utilizing the selected QC algorithm to optimize an efficient frontier determination for each identified filtered portfolio optimization factor data.

Abstract: Various systems and methods are provided for quantum computing based optimization of stress testing. One exemplary method may comprise receiving a stress testing scenario, identifying one or more filtered stress testing factor data based on one or more stress testing factor data, stress testing scenario data, QC algorithms, and algorithm performance information, selecting one QC algorithm for each filtered stress testing factor data of the one or more filtered stress testing factor data, and utilizing the selected QC algorithm for each filtered stress testing factor data to optimize a stress testing determination for each identified filtered stress test factor data.

Abstract: Various systems and methods are provided for quantum computing based optimization of a personalized portfolio. One exemplary method may comprise identifying one or more filtered personalized portfolio optimization factor data based on one or more optimization factor data for the personalized portfolio, personalized portfolio owner feedback, QC algorithms, and algorithm performance information, selecting one QC algorithm for each filtered portfolio optimization factor data of the one or more filtered portfolio optimization factor data, utilizing the selected QC algorithm to optimize a personalized portfolio determination for each identified filtered personalized portfolio optimization factor data, and rebalancing the personalized portfolio based on the personalized portfolio determination.

Abstract: Apparatuses, methods, and computer program products are provided for improved model compliance. An example method includes receiving a product model that is generated from user data associated with a plurality of users and receiving a first regulation offending model that is non-compliant with respect to a first regulatory factor. The method also includes analyzing the product model with the first regulation offending model and generating a first regulation compliance score for the product model with respect to the first regulatory factor. The method further includes determining whether the first regulation compliance score satisfies a first regulatory factor threshold. In an instance in which the first regulation compliance score fails to satisfy the first regulatory factor threshold, the method includes generating a first violation notification or modify the product model.

Abstract: Apparatuses, methods, and computer program products are provided for improved data privacy. An example method includes receiving a standard model where the standard model includes user data associated with a plurality of users, and the user data is associated with one or more privacy factors. The method also includes receiving a first privacy impact model that identifies a first privacy factor and analyzing the standard model with the first privacy impact model. The method also includes generating a first privacy impact score for the first privacy factor. The method may further include determining if the first privacy impact score satisfies a first privacy factor threshold. In an instance in which the first privacy impact score fails to satisfy the first privacy factor threshold, the method may generate a first violation notification or augment the standard model.

Abstract: Apparatuses, methods, and computer program products are provided for data privacy and clearance traversal. An example method includes receiving a first model having an associated first clearance. The method further includes determining a faulty outcome of the first model due to the first clearance and receiving a second model having an associated second clearance. The method also includes inputting the faulty outcome of the first model to the second model and generating a traversal outcome of the second model. The method further include inputting the traversal outcome to the first model so as to traverse a clearance issue associated with the first clearance. The method also includes preventing access of the second model to user data analyzed by the first model in generating the faulty outcome.

Abstract: Systems and methods may generally be used to securely store an executable file or to compile a securely stored executable file. An example method may include receiving an executable file for long-term storage, segmenting the executable file into a plurality of file segments, encrypting a file segment of the plurality of file segments, storing the plurality of file segments, and retrieving the file segment based on a segment identity for the file segment. The file segment may be output, for example to a requesting device.