Abstract: The invention relates to implementing rules based authentication for credit card transactions. The system and method may involve: receiving a transaction request associated with a card product from a user at a point of sale system; determining an authorization mode for the transaction request based on one or more transaction attributes; executing an authentication rule for the transaction request; transmitting an authentication request via the authorization mode based on the authentication rule; requiring an authorization input from the user responsive to the authentication request; and upon receiving a proper authentication input, verifying the user and proceeding with the transaction request.

Abstract: Systems and methods for enhanced organizational transparency using a linked activity chain in a ledger are disclosed. In one embodiment, a method may include (1) a back end for an organization comprising at least one computer processor receiving a first communication from a first entity comprising a first customer interaction with the first entity; (2) the back end writing the first communication to a ledger for the organization as a first block in a linked activity chain; (3) the back end receiving a second communication from a second entity comprising a second customer second activity with the second entity; (4) the back end writing the second communication to the ledger for the organization as a second block in the linked activity chain; (5) the back end calculating a summary score for the customer based on the blocks in the linked activity chain.

Abstract: A method for providing loan bid information to a prospective borrower is provided. The method includes: receiving, from a user, a request for a loan that includes user preference criteria; transmitting, to each of a plurality of prospective lenders, a solicitation for bids for the requested loan, receiving a respective loan bid from each of at least one of the prospective lenders, each respective loan bid including respective bid criteria corresponding to a particular lender; analyzing each received loan bid with respect to the user preference criteria and the respective bid criteria; selecting one loan bid based on a result of the analysis, and transmitting, to the user and to each of the plurality of prospective lenders, a message that notifies a result of the selection. The request for the loan may be received from the user via a blockchain mechanism that is accessible by each prospective lender.

Abstract: Systems and methods for enhanced organizational transparency using a linked activity chain in a ledger are disclosed. In one embodiment, a method may include (1) a back end for an organization comprising at least one computer processor receiving a first communication from a first entity comprising a first customer interaction with the first entity; (2) the back end writing the first communication to a ledger for the organization as a first block in a linked activity chain; (3) the back end receiving a second communication from a second entity comprising a second customer second activity with the second entity; (4) the back end writing the second communication to the ledger for the organization as a second block in the linked activity chain; (5) the back end calculating a summary score for the customer based on the blocks in the linked activity chain.

Abstract: A method for facilitating self-management of an investment portfolio using smart contracts is provided. The method includes: displaying a user interface that includes prompts for facilitating user input relating to the investment portfolio; receiving, via the user interface, proposed rules for executing trades relating to the investment portfolio; retrieving news information relating to the investment portfolio; analyzing the rules and the retrieved news information to determine trades to be executed with respect to a financial instrument; executing the trades; and transmitting, to the user interface, a message that includes explanatory information relating to each trade. A smart contract that is generated based on the proposed rules may be displayed on the user interface, and the smart contract may also be installed on a blockchain that is accessible to other prospective investors, thereby facilitating additional input regarding proposed rules for executing trades.

Abstract: A method and a system for providing a catalogue of smart contracts deployed on a blockchain that is available to authenticated users is provided. The method includes: accessing each node of the blockchain; identifying all smart contracts that have been deployed within each respective node; indexing the identified smart contracts by assigning each respective smart contract to a corresponding category; generating a catalogue that includes an indexed listing each of the identified smart contracts; receiving a user request for access to the catalogue with an authorization credential; authenticating the user; and providing the requested catalogue access to the user. The method may also include receiving a search request; providing a list of smart contracts that corresponds to the criteria included in the search request; and monitoring the list for subsequent transactional activity.

Abstract: A method for providing loan bid information to a prospective borrower is provided. The method includes: receiving, from a user, a request for a loan that includes user preference criteria; transmitting, to each of a plurality of prospective lenders, a solicitation for bids for the requested loan, receiving a respective loan bid from each of at least one of the prospective lenders, each respective loan bid including respective bid criteria corresponding to a particular lender; analyzing each received loan bid with respect to the user preference criteria and the respective bid criteria; selecting one loan bid based on a result of the analysis, and transmitting, to the user and to each of the plurality of prospective lenders, a message that notifies a result of the selection. The request for the loan may be received from the user via a blockchain mechanism that is accessible by each prospective lender.

Abstract: Systems and methods for smart contract-based detection of authentication attacks are disclosed. According to one embodiment, a method may include: (1) receiving an identification of a plurality of password-protected resources from an account holder; (2) receiving a rule identifying an automated protective action to be taken in response to a failed login attempt with one of password-protected resources; (3) receiving, at a distributed ledger, a notification of a login attempt with one of the plurality of password-protected resources; (4) a smart contract or self-executing code executed by the information processing apparatus determining that the login attempt meets the rule; (5) the smart contract or self-executing code taking the automated protective action with the one of the plurality of password-protected resources and another of the plurality of password-protected resources; and (6) the smart contract or self-executing code committing the automated protective action to the distributed ledger.

Abstract: The invention relates to a customer authentication system that comprises: identifying a customer identification based on a customer input; using the customer identification, identifying a plurality of IoT devices associated with the customer where the customer has an authentication set of IoT devices; receiving a user selection of IoT devices; determining whether the user selection matches the authentication set of IoT devices; connecting to one or more of the user selected IoT devices; transmitting a request to one or more of the user selected IoT devices for user interaction data; and verifying user activity based on the user interaction data.

Abstract: Systems and methods for anonymously tracking and comparing portfolios across the similar investment profiles are disclosed. In one embodiment, an investment portfolio computer program may: (1) receive user investment information from a plurality of users; (1) generate a user investment profile for each of the plurality of users based on the user investment information; encrypt the user investment profiles; (3) write the encrypted user investment profiles to a distributed ledger; (4) compare one of the plurality of user investment profiles to the benchmark portfolio; and (5) generate a recommendation for a user associated with the one of the plurality of user investment profiles based on the comparison.

Abstract: Systems and methods for automated system control based on assessed mindsets are disclosed. A method for automated system control may include a behavior tracking computer program: (1) receiving individual information for an individual from a plurality of sources; (2) generating an individual profile based on the individual information, wherein the individual profile identifies at least one item that impacts the individual's ability to perform a task; (3) receiving an event feed from an event source; (4) identifying an event in the event feed; (5) determining that the event is related to the item in the individual profile; (6) determining a risk level associated with the event; (7) determining that the risk level exceeds a threshold; (8) and controlling a downstream system based on the determination that the risk level exceeds a threshold.

Abstract: Systems and methods for autonomous portfolio management and funding using smart contracts are disclosed. In one embodiment, a method for autonomous portfolio management may include (1) a portfolio management system comprising a computer processor generating a portfolio template for an investment portfolio, the portfolio template comprising at least one investment vehicle, an identification of a least one investor, and an identification of a funding account; (2) the portfolio management system receiving at least one portfolio rule specifying a condition and an action to take with the investment vehicle in response to the condition; and (3) the portfolio management system writing the portfolio template to a dependent ledger as a smart contract.

Abstract: Systems and methods for enhanced organizational transparency using a linked activity chain in a ledger are disclosed. In one embodiment, a method may include (1) a back end for an organization comprising at least one computer processor receiving a first communication from a first entity comprising a first customer interaction with the first entity; (2) the back end writing the first communication to a ledger for the organization as a first block in a linked activity chain; (3) the back end receiving a second communication from a second entity comprising a second customer second activity with the second entity; (4) the back end writing the second communication to the ledger for the organization as a second block in the linked activity chain; (5) the back end calculating a summary score for the customer based on the blocks in the linked activity chain.

Abstract: Systems and methods for enhanced organizational transparency using a linked activity chain in a ledger are disclosed. In one embodiment, a method may include (1) a back end for an organization comprising at least one computer processor receiving a first communication from a first entity comprising a first customer interaction with the first entity; (2) the back end writing the first communication to a ledger for the organization as a first block in a linked activity chain; (3) the back end receiving a second communication from a second entity comprising a second customer second activity with the second entity; (4) the back end writing the second communication to the ledger for the organization as a second block in the linked activity chain; (5) the back end calculating a summary score for the customer based on the blocks in the linked activity chain.

Abstract: Embodiments of the presently disclosed invention provide a secure card device and associated method for operation. In particular, embodiments provide a secure card device facilitating protection of secure information belonging to a cardholder. The secure card device includes a biometric interface allowing the cardholder to self-authenticate to the card a memory storing instructions and information pertaining to the cardholder and a card body connected with the memory, the card body including at least one planar face for communicating the secure information belonging to the cardholder upon self-authentication by the cardholder through the biometric interface. The card device also includes a data release circuit for releasing the secure information upon self-authentication by the cardholder and a display controller responsive to the data release circuit for causing the secure information to be readable from the at least one planar surface of the card body.

Abstract: Systems and methods for smart contract-based detection of authentication attacks are disclosed. According to one embodiment, a method may include: (1) receiving an identification of a plurality of password-protected resources from an account holder; (2) receiving a rule identifying an automated protective action to be taken in response to a failed login attempt with one of password-protected resources; (3) receiving, at a distributed ledger, a notification of a login attempt with one of the plurality of password-protected resources; (4) a smart contract or self-executing code executed by the information processing apparatus determining that the login attempt meets the rule; (5) the smart contract or self-executing code taking the automated protective action with the one of the plurality of password-protected resources and another of the plurality of password-protected resources; and (6) the smart contract or self-executing code committing the automated protective action to the distributed ledger.

Abstract: The invention relates to implementing rules based authentication for credit card transactions. The system and method may involve: receiving a transaction request associated with a card product from a user at a point of sale system; determining an authorization mode for the transaction request based on one or more transaction attributes; executing an authentication rule for the transaction request; transmitting an authentication request via the authorization mode based on the authentication rule; requiring an authorization input from the user responsive to the authentication request; and upon receiving a proper authentication input, verifying the user and proceeding with the transaction request.

Abstract: Systems and methods for distributed ledger-based stock transactions are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for conducing distributed ledger-based stocked transactions may include: (1) receiving a stock purchase order for a stock comprising a purchase parameter; (2) identifying an available stock in a distributed ledger stock pool that meets the purchase parameter; (3) executing the stock purchase transaction by generating transaction data for the stock purchase order; (4) writing the transaction data to a distributed ledger; and (5) transferring a transaction amount from an electronic wallet for a buyer of the stock to an electronic wallet for a seller of the stock.

Abstract: Systems and methods for enhanced organizational transparency using a linked activity chain in a ledger are disclosed. In one embodiment, a method may include (1) a back end for an organization comprising at least one computer processor receiving a first communication from a first entity comprising a first customer interaction with the first entity; (2) the back end writing the first communication to a ledger for the organization as a first block in a linked activity chain; (3) the back end receiving a second communication from a second entity comprising a second customer second activity with the second entity; (4) the back end writing the second communication to the ledger for the organization as a second block in the linked activity chain; (5) the back end calculating a summary score for the customer based on the blocks in the linked activity chain.

Abstract: A Virtual Meeting Attendant (VMA) allows a user to share inputs with a meeting congregation without necessarily needing to participate directly. For example, a conference system can be equipped with technology that allows a perspective meeting attendee to appoint a virtual meeting attendee in the instance where the user is not able to attend the conference. This virtual meeting attendee can participate in the conference on behalf of the user. Some of the exemplary functions associated with the VMA are the ability to record one or more portions of the conference, take notes, react to action items for the user, make pre-recorded suggestions, and if required, patch in the user to allow the user to contribute in real-time to the conference.