Abstract: A system for causing a dynamic interface adjustment includes a user device. The user device includes an active financial interface associated with a financial institution. The system further includes a computer system communicatively coupled to the user device. The computer system is configured to receive, via the user device, a sensory input associated with a customer of the financial institution, determine a sensory impairment associated with the customer based on the sensory input, and cause a dynamic interface adjustment of the active financial interface in response to the determination of the sensory impairment.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of cash tagging. A system enhances an automated teller machine with the capability of depositing a Radio Frequency Identification tag on the paper substrate of the cash. The cash is tagged after determination of a tracking scenario. The cash may be tracked by using an RFID scanner. The cash may be tracked using a remote cash registry to track and record ownership, location, or the like.

Abstract: A computer-implemented method performed by one or more processors of a payer financial institution computer system includes receiving, by the payer financial institution computer system, a request from a computing device of a payer to make a payment to a payee from a payment account held by the payer and provided by the payer financial institution computer system, wherein the request includes a passkey and a payment amount, generating, by the payer financial institution computer system, a unique payment code based on the request, including embedding the passkey within the unique payment code, wherein the unique payment code is redeemable by the payee to access the payment amount upon providing the passkey, and sending, by the payer financial institution computer system, the unique payment code to the payer device.

Abstract: Systems and methods for preparing customer check deposit requests with a mobile device and a reflective surface are described. A check frame is positioned between a customer mobile device with a built-in camera and a mirror such that, when a check is placed in the check frame, the camera can view both sides of the check simultaneously. The camera can take a single picture that includes both sides of the check, process it, and submit it as a check deposit request to the customer's financial institution.

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 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: Systems and methods of automatically adjusting a transfer amount to an account on a financial institution computer system associated with a network enabled property from one or more accounts associated with users of the property are described. The methods can include creating a first account on the financial institution computer system with the account designated for maintenance, repair, or replacement of the network enabled property, receiving or identifying a designated amount of money to automatically transfer periodically to the account associated with the property from the one or more accounts associated with users of the property, and creating an automated periodic transfer between the accounts. After receiving data comprising amount of use by one or more users, the method may further include updating the amount of the automated periodic transfer based on at least the designated amount and the data comprising the amount of use by the users.

Abstract: In an example, a method for implementing gamification in user authentication operations for 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 authentication screen with defined gamification functions, receiving and evaluating input in the user interface authentication screen, and enabling or performing certain authentication 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 method may include receiving, from a customer device, contextual location information about a customer and an interaction type, determining a location-based recommendation and an urgency level for the customer using the contextual location information, generating a routing protocol for communication with the customer based on the interaction type and the urgency level, and providing a communication to the customer according to the routing protocol, the communication including the location-based recommendation.

Abstract: One or more processors receive, from one or more social-network sources, social-network data that identifies at least one potentially malicious source accessing a plurality of social-network profiles for a group of users. The one or more processors receive, from one or more e-mail servers, e-mail data associated with a plurality of e-mail messages received by the group of users. The one or more processors determine, based on the social-network data and the e-mail data, that an e-mail message of the plurality of e-mail messages is from the at least one potentially malicious source. The one or more processors output information identifying the e-mail message as being from the potentially malicious source.

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: Techniques are described for enabling a user to access a secure system based on vital signs of the user that are collected by a wearable device worn by the user. The vital signs of the user may be used as an extra level of security when accessing the secure system. For example, a computing device may automatically validate that a user requesting access to a secure system is a person and not a robot based on receipt of vital signs of the user. As another example, a computing device may operate as a secure access badge that first analyzes vital signs of a user to confirm that the user is not in distress before sending an access signal to gain access to a secure system. In either example, the computing device may be a wearable device, or be paired to a wearable device to receive the vital signs.

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: Alert routing system and methods are described. Alerts are received and aggregated from disparate internet-of-things devices. Alerts may be prioritized based on any combination of: source device-related factors, such as device purpose; subscriber-related factors, such as age, preferences, and restrictions; and subscriber device-related factors, such as ability to receive information in particular formats. In some instances, alerts are further prioritized based on the location of the system's components. Additionally, in some instances, alerts are queued for batch processing based, for example, on subscriber schedule and preferences.

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: Systems and methods for converting an application to new programming language or framework is provided. A source application written in 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 code in the new programming language. Machine learning and rules databases are updated with details of the conversion.

Abstract: In an example, a method for implementing gamification in user authentication operations for 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 authentication screen with defined gamification functions, receiving and evaluating input in the user interface authentication screen, and enabling or performing certain authentication 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: 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: A method may include receiving, from a customer device, contextual location information about a customer and an interaction type, determining a location-based recommendation and an urgency level for the customer using the contextual location information, generating a routing protocol for communication with the customer based on the interaction type and the urgency level, and providing a communication to the customer according to the routing protocol, the communication including the location-based recommendation.

Abstract: Systems and methods for preparing customer check deposit requests with a mobile device and a reflective surface are described. A check frame is positioned between a customer mobile device with a built-in camera and a mirror such that, when a check is placed in the check frame, the camera can view both sides of the check simultaneously. The camera can take a single picture that includes both sides of the check, process it, and submit it as a check deposit request to the customer's financial institution.