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: 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 business 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: 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: In an example, a method for implementing gamification in user interface transactions of a customer financial transaction device such as an automatic teller machine (ATM) or kiosk may be provided to improve security and enable enhanced electronic display and user interface features. In one example, the electronic operations for implementing gamification may include associated actions in a user interface transaction screen with defined gamification functions, receiving and evaluating input in the user interface transaction screen, and enabling or performing certain transaction actions based on an expected gamification action. In further examples, the gamification may be implemented based on themes for the user interface that match entertainment themes, individual games, or customizations to graphical and text content established by the user.

Abstract: A computer-implemented method for providing a recommended payment account includes receiving location information from a mobile device of a user having one or more payment accounts provided by a financial institution computer system, and determining a location of the user relative to a merchant based on the location information. The method also includes, based on the location of the user relative to the merchant, determining that a payment account recommendation should be sent to the user, including a recommended payment account for use in a payment transaction with the merchant and an incentive offer for using the recommended payment account in the payment transaction, determining the recommended payment account based on an expected financial impact to the user, generating the incentive offer, and sending the incentive offer and the recommended payment account to the mobile device of the user.

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 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 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 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: 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: A banking system includes a connected device comprising a biometric sensor and a computer system communicatively coupled to the connected device. The connected device is configured to receive, via the biometric sensor, biometric data associated with a biometric condition of a customer of a financial institution. The computer system is configured to receive the biometric data, receive location data associated with a position of the customer, generate a health score of the customer in response to receiving a transaction request, determine a biometric state of the customer based on at least one of the health score exceeding a predetermined threshold of a base score or the position of the customer during a financial transaction, and transmit an account alert to a third party prior to authorizing the transaction request based on the biometric state of the customer.

Abstract: A computer-implemented method of facilitating payments from a financial account includes receiving a travel itinerary associated with an account holder. The travel itinerary includes an account holder identification (ID), a destination, and a time period associated with the destination. The method also includes associating the travel itinerary of the account holder with a financial account of the account holder based on the account holder ID. The financial account includes an associated payment device. In addition, the method includes building a dynamic travel profile for the account holder based at least in part on the travel itinerary. The dynamic travel profile is linked to the financial account. Further, the method includes receiving an authorization request for a transaction, and approving or declining authorization if the location and date of the transaction do not correspond to the destination and time period of the dynamic travel profile.

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: A computing system includes a network circuit enabling the computing system to exchange information over a network, a customer database storing information pertaining to various user accounts pertaining to a plurality of users, and a risk assessment circuit. The risk assessment circuit is configured search at least one data source to identify a user attribute, determine that the user attribute bears a relationship to a first security credential that is either associated with or potentially associated with a user account, generate a security prompt responsive to the determination, and transmit the security prompt to a user computing device associated with the user.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises a management system and method of handling unpatched users. When a user requests to access their user account or a network, the user is checked for type of browser the user is being used and which version of the browser is being used. If the user is using an unsecured or unpatched browser, the system offers to update the browser software or provide a virtual machine through the browser so that malware cannot transfer from the user computer to the network. The virtual machine can provide a virtual keyboard to protect the user's login credentials from a key logger. The user logs into the user account within the virtual machine.

Abstract: Utility distribution and payment systems and methods are described in which a financial institution individually bills and collects from individual utility users and provides batch payment to the utility company. The financial institution facilitates the aggregate utility billing by agreeing with a utility company to serve as a billing service for a subset of utility and banking customers. The utility company provides the utility to the customers via smart meters located at the properties receiving the utility (e.g., the customer's home, business, or other property). The smart meters provides individualized usage information to both the utility company and the financial institution. At the end of a billing cycle, the financial institution sends one aggregate payment for all users of the subset to the utility company. The financial institution then collects funds from the utility customers associated with the batch payment by performing internal transfers within the financial institution.

Abstract: An electronic computing device receives a scanned image of a first object. The first object is a three-dimensional object. An identification of a user of a payment device is received. A stored image of a second object is obtained. The second object is an authentication object that is assigned to the user. The user of the payment device is authenticated using the scanned image of the first object and the stored image of the second object. If the user is authenticated, a purchase of one or more goods or services is authorized using the payment device.

Abstract: Systems and techniques for bi-directional voice authentication are described herein. A first audio segment and a first description of the first audio segment may be received. An authentication token may be created using the first audio segment and the first description. An authentication request may be received from the user. The first audio segment may be transmitted to the user. A second description of the first audio segment may be received from a device of the user in response to the transmission of the first audio segment. The second description may be compared to the first description. The authentication token may be selected based on the comparison. The authentication token may be transmitted to the device. Requests of the user for secure information may be authenticated using the authentication token for a duration of an interaction session between the user and the device.

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.