Abstract: A distributed computing system includes a blockchain comprising a plurality of blockchain services comprising an oracle service, a predictive analytics service, a loan service, and a consensus service. The oracle service configured to receive input data comprising at least one of financial data associated with at least one of the plurality of syndicate participants, macroeconomic data, geo-location data, disaster data, or public health data. The predictive analytics service configured to utilize the input data to determine whether a first syndicate participant of the plurality of syndicate participants has an excess of funds and whether a second syndicate participant of the plurality of syndicate participants has a lack of funds where the first syndicate participant is different than the second syndicate participant. The loan service configured to facilitate a loan agreement between the first syndicate participant and the second syndicate participant.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for post-quantum cryptography (PQC). An example method includes receiving data. The example method further includes receiving a set of data attributes about the data. The set of data attributes comprises one or more sets of data environment data attributes that are each representative of a set of data environments associated with the data. The example method further includes receiving one or more sets of data environment threat data structures associated with one or more data environments in the one or more sets of data environments associated with the data. The example method further includes selecting one or more cryptographic techniques for encrypting the data for at least the one or more data environments based on the set of data attributes, the one or more sets of data environment threat data structures, and a cryptograph optimization machine learning model.

Abstract: An example method includes identifying provider systems each configured to perform a function requested by a device, wherein the provider systems are associated with vendors that provide one or more of services, goods, or device skills, responsive to selecting a provider system, sending, to the provider system, the request to perform the function, after sending the request to the provider system, receiving, by the management system and from the provider system, provider response information associated with performance of the function, sending, by the management system and to the device, the provider response information associated with performance of the function, and initiating a payment of funds from a first financial system associated with the device to a second financial system associated with the provider system.

Abstract: The validity of a mail item containing a monetary solicitation is determined. An image is received of the mail item and the image is analyzed to identify a plurality of data fields within the mail item. The validity or invalidity of the data within each of the plurality of identified data fields is then established, and a user-interactive image overlay is generated for the image of the mail item that includes a validity indicator for each of the plurality of identified data fields. The validity indicator is representative of the validity or invalidity of the data within each of the identified plurality of data fields. The user-interactive image overlay is sent to a user device to display the image of the mail item.

Abstract: Provided herein is a holistic fraud cocoon that protects a user from incoming or outgoing fraud and phishing communications by capturing, analyzing and either altering, discarding or presenting communications to the user. For example, the holistic fraud cocoon captures all incoming sources (mail, in-person visits, phone, TV, radio, newspapers and internet) and the actions performed by the user, triggered by those sources. Certain actions are held in a queue to be reviewed, validated and acted upon by a third party before the actions are executed.

Abstract: Systems and techniques for authentication of impaired voices are described herein. A voice profile may be generated for a user. An audio stream may be received including an authentication voice of the user. It may be determined that the authentication voice does not match a first set of authentication criteria. The audio stream may be compared to a second set of authentication criteria. The user may be authenticated based on the comparison.

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: A method for determining vehicle insurance costs includes receiving a starting location and a destination location for a trip using a vehicle. One or more routes for the vehicle from the starting location to the destination location are received. A cost of insurance is determined for each of the one or more routes for the trip. The cost of insurance for each of the one or more routes for the trip is displayed. A selected route from the one or more routes is received. Operation of the vehicle for the trip is enabled along the selected route.

Abstract: Systems, methods, and computer program products are provided for disparate quantum computing (QC) detection. An example system includes QC detection data generation circuitry that generates a first set of QC detection data and generates a second set of QC detection data. The system also includes cryptographic circuitry that generates a first public cryptographic key and a first private cryptographic key via a first post-quantum cryptographic (PQC) technique and generates a second public cryptographic key and a second private cryptographic key via a second PQC technique. The cryptographic circuitry further generates encrypted first QC detection, second QC detection data, and destroys the first private cryptographic key and the second private cryptographic key. The system further includes data monitoring circuitry that monitors for the first encrypted QC detection data and the second encrypted QC detection data.

Abstract: Systems, methods, and storage media for pre-approving onboarding to a payment platform, executing on a processing device are disclosed. Exemplary implementations may: access a node network; determine a first entity associated with a first node of the plurality of nodes is not a member of a payment platform; determine a total strength of connections of the first node to one or more nodes of the plurality of nodes exceeds a predetermined threshold value; and flag the first node of the plurality of nodes for an offer of onboarding to the payment platform consequent to determining the total strength of connections of the first node to the one or more nodes of the plurality of nodes exceeds the predetermined threshold value.

Abstract: Systems and methods may generally be used to authenticate a user. An example method may include capturing an image of a portion of a face of a user, retrieving, based on identification information, a registered model of the face from a database, and comparing the portion of the face in the captured image to a facial feature of the registered model. In response to determining that the portion of the captured image matches the facial feature of the registered model, the method may include granting access to secure content.

Abstract: Systems, methods, and computer-readable media for matching a job to a plurality of workers are described herein. A user device is associated with a worker from the plurality of workers. A processing circuit is structured to receive an electronic request. The electronic request comprises a data set related to the job. The processing circuit is further structured to generate a local disaster data set and a test requirement data set. The processing circuit is further structured to select at least one worker. The processing circuit is further structured to cause a client application deployed to the user device to display an electronic notification comprising at least in part the data set related to the job, a risk level rating, a risk level pay premium corresponding to the risk level rating, and an accept control structured to allow the worker to accept the job.

Abstract: Systems, methods, and other embodiments associated with a fraudulent activity shell. According to one embodiment, a system includes an application having a normal environment and a shell environment. The system also includes a trigger logic that determines whether an action satisfies a trigger condition. In response to determining that the action satisfies the trigger condition, the trigger logic triggers the application to enter a fraudulent activity mode from a default mode. In the fraudulent activity mode, the normal environment is configured to hold the action. The shell environment is configured to display the action as executed in the fraudulent activity mode.

Abstract: A distributed computing system facilitates automatic loan agreements between syndicate participants. The system includes a blockchain comprising circuitry embodying a plurality of blockchain services. A membership service registers participants to the syndicate, generates a unique identifier for each of the participants, and verifies that a respective entity is a node on the blockchain. An oracle service retrievably stores loan terms templates provided by the participants via a centrally managed entity. A smart contracts service receives financial and/or geo-location data associated with the plurality of syndicate participants. A predictive analytics service uses the data to determine whether a first syndicate participant has an excess of funds and whether a second syndicate participant has a lack of funds. A loan service automatically facilitates a loan agreement between the first participant and the second participant.

Abstract: Embodiments of the present disclosure provide for improvements in managing connection channels for multiple associated users. As connection channel changes occur for one or more users, various connection channels are updated such that appropriate functionality is accessible as determined based on aspects of the connection channel change. Example embodiments provide for establishing a plurality of connection channels associated with a plurality of user data objects, where each of the plurality of connection channels enables access to functionality associated with a shared electronic data object via one of a plurality of computing devices, detecting, for a first user data object of the plurality of user data objects, a connection channel change associated with a first connection channel corresponding to a first computing device, and updating the functionality associated with the shared electronic data object for at least one of the plurality of connection channels based on the connection channel change.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for gathering performance information for post-quantum cryptography (PQC) is provided. An example method includes generating, by a QC detection data generation circuitry, QC detection data. The example method further includes encrypting, by a PQC cryptographic circuitry, the QC detection data based on a PQC cryptographic technique The example method further includes decrypting, by a PQC decryption circuitry, the QC detection data. The example method further includes storing, by a PQC cryptographic performance circuitry, encryption metadata generated by the PQC cryptographic circuitry and decryption metadata generated by the PQC decryption circuitry as PQC cryptographic performance information associated with the PQC cryptographic technique.

Abstract: Methods, apparatuses, and computer program products are disclosed for currency control. An example computer-implemented method includes receiving physical currency data associated with one or more physical currency notes and generating digital currency data based upon the physical currency data. The digital currency data includes a digital representation of the physical currency notes. The computer-implemented method further includes determining one or more selected physical currency notes for destruction based upon the digital currency data and may include querying a currency attribute database that includes one or more currency attributes associated with the physical currency notes. The computer-implemented method also includes causing destruction of the selected physical currency notes. In response to causing destruction of the selected physical currency notes, the computer-implemented method includes modifying the currency attribute database.

Abstract: An example method includes, responsive to receipt of a task request to perform a task (e.g., associated with a service), and further responsive to generation of an avatar instance from an avatar object representing at least one device having a defined group of capabilities, selecting devices (e.g., service providers providing microservices) to perform sub-tasks associated with the task, wherein each of the devices has at least one defined capability, and wherein the task request includes parameter values, and sending, to the devices, at least one sub-task request to perform the sub-tasks, the at least one sub-task request including at least one parameter value, responsive to sending the at least one sub-task request, receiving, from the devices, sub-task replies associated with performance of the sub-tasks, and sending, based on the sub-task replies, a task reply associated with performance of the task. The example method may support autonomous or semi-autonomous configurations.

Abstract: An apparatus, method, and computer program product for generating a unified digital check register are provided. An example method includes receiving, by input/output circuitry, check data and determining, by check evaluation circuitry, whether the received check data corresponds to a digital check or a physical check. In response to determining that the received check data corresponds to a digital check, the method includes generating digital check data based on the received check data. In response to determining that the received check data corresponds to a physical check the method includes generating physical check data based on the received check data. The method further includes inserting, by registry management circuitry, any generated digital check data with any generated physical check data into a unified check dataset, and curating, by the registry management circuitry, a unified digital check register using the unified check dataset.

Abstract: A method includes receiving a travel itinerary including a destination and a time period associated with a user from a third-party computing system via an application programming interface. The method also includes associating the travel itinerary with a financial account having a payment device and generating a dynamic travel profile based on the travel itinerary. The method also includes receiving an authorization request for a transaction initiated by the payment device and involving the financial account. The authorization request includes a transaction location and a transaction date. The method also includes analyzing a context of the authorization request including the dynamic travel profile and a time history of geolocations of the payment device. The method also includes declining the authorization request based on at least one of the transaction location not corresponding to the destination and the transaction date not corresponding to the time period.