Abstract: A method includes receiving a request to set verification settings for a payment aggregator computing system; determining an alias account number for a transaction account based on account information; transmitting a request to the payment aggregator computing system to store the alias account number instead of the account information; receiving a transaction request from the payment aggregator computing system; implementing a verification policy comprising a first sub-policy and a second sub-policy, based on the verification settings corresponding to the alias account number and a threshold transaction amount, including: determining a predetermined threshold of a monetary amount, determining a first sub-policy monetary amount, comparing the first sub-policy monetary amount to the predetermined threshold, determining that the first sub-policy monetary amount does not meet the predetermined threshold, implementing the second sub-policy, generating and transmitting an electronic message comprising a selectable

Abstract: A method includes acquiring information regarding a user; generating one or more indicators of a data breach for an entity that stores one of transactional behavior data regarding the user or an indication of a transaction with the user in a past predefined time period; generating a first notification; providing the first notification to the user during a log-in process; receiving an indication from the user to exercise an option to scan transaction information of the user for suspected fraudulent activity at the entity; scanning the transaction information; determining a suspected fraudulent transaction; generating a second notification specific to the user and the suspected fraudulent transaction; deactivating a payment card associated with the suspected fraudulent transaction; and providing a supplemental notification to the user regarding the suspected fraudulent transaction.

Abstract: A computer-implemented method includes acquiring information regarding the user and generating one or more indicators of a data breach for an entity that stores one of data regarding the user or an indication of a transaction with the user in a past predefined time period. The computer-implemented method further includes determining that the one or more indicators meet a threshold level for notifying the user of the data breach; in response to determining that the one or more indicators meet the threshold, generating a notification specific to the user regarding the data breach; and providing the notification to the user during a log-in process associated with the provider computing system.

Abstract: Systems, methods, and computer-readable storage media utilized for event-based authentication. One method includes recognizing an event and receiving, from a device, a withdrawal request of a user, wherein the withdrawal request includes a captured feature by the device. The method further includes determining that the user is associated with the recognized event using at least a geographic proximity between the event and the withdrawal request, wherein the geographic proximity is a given radius around a location of the event, and wherein the device is within the given radius and adjusting authentication rules based on the determination that the user is associated with the recognized event, wherein the adjustment of the authentication rules includes adjusting a matching threshold between the captured feature and a reference feature. The method further includes processing the withdrawal request for the user based on the adjusted authentication rules.

Abstract: A method for implementing transactions includes receiving, by a first computing system, a transaction request from a second computing system, the transaction request indicating a first account number that is an alias of a transaction account having a second account number, and specifying a transaction. The method further includes determining the second account number by referencing a data structure that associates the first account number and the second account number, determining a verification policy associated with the second account number, and transmitting a verification challenge based on the verification policy. The method yet further includes receiving a response to the verification challenge, determining to authorize the transaction request based on the response to the verification challenge, and implementing the transaction involving the transaction account specified by the transaction request.

Abstract: A computer-implemented method includes receiving an indicator of enrollment of a user in a breach notification service; acquiring information regarding the user; and generating one or more indicators of a data breach for an entity that stores one of data regarding the user or an indication of a transaction with the user in a past predefined time period. The computer-implemented method further includes determining that the one or more indicators meet a threshold level for notifying the user of the data breach; in response to determining that the one or more indicators meet the threshold, generating a notification specific to the user regarding the data breach; and providing the notification to the user during a log-in process for a product or service associated with the provider computing system.

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: 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: Entry point management and dynamic cross-channel authorization token management is provided. Information related to available authentication tokens and customer data, both historical and current, is obtained and an authentication risk score is determined. Based on the authentication risk score and the available authentication tokens, one or more authentication challenges are rendered based on an attempt to access a customer account. The authentication challenges are independent of the access channel.

Abstract: Methods and systems of authenticating a user based on an event, such as a natural disaster, a gathering of people, and mass activities of people. The method comprises recognizing, by a financial institution computing system, an event; receiving, by the financial institution computing system, a transaction request of a user; determining, by the financial institution computing system, that the user is associated with the recognized event; adjusting, by the financial institution computing system, authentication rules for the user; and processing, by the financial institution computing system, the transaction request for the user based on the adjusted authentication rules.

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: Systems and methods using a processor coupled to a non-transitory storage medium. The processor is structured to receive an indication of a mobile device connected to a secure network provided by a financial institution, where the mobile device is associated with a user account at the financial institution, identify the mobile device based on a unique identifier of the mobile device, automatically authenticate the mobile device for a first level transaction, receive a transaction request from a user via the mobile device, determine that the transaction request is for the first level transaction, and complete the transaction request.

Abstract: A computer-implemented method includes receiving an indicator of enrollment of a user in a breach notification service; acquiring information regarding the user; and generating one or more indicators of a data breach for an entity that stores one of data regarding the user or an indication of a transaction with the user in a past predefined time period. The computer-implemented method further includes determining that the one or more indicators meet a threshold level for notifying the user of the data breach; in response to determining that the one or more indicators meet the threshold, generating a notification specific to the user regarding the data breach; and providing the notification to the user during a log-in process for a product or service associated with the provider computing system.