Abstract: Subscriber identity modules can be bound to devices and utilized for authentication. An initial or additional subscriber identity module can be bound to a user device, for instance after successful user authentication by way of an alternate mechanism. A subscriber identity module of a device can be identified, and carrier data associated with the subscriber identity module can be requested and received. A determination can be made regarding whether the subscriber identity module is linked to the device, for instance by an original linkage. A user profile can be automatically updated with the carrier data to bind the user to the user device based on the subscriber identity module when the subscriber identity module is verified to be linked to the user device. Subsequently, the subscriber identity module can be utilized as a basis for authentication.

Abstract: A computer-implemented method includes receiving, by a federated identity computing system, identity information from a customer; receiving, by the computing system, preferences for the identity information from the customer, wherein the preferences govern distribution of the identity information to requesting parties; generating, by the computing system, a key specific to the customer; and provisioning, by the computing system, the key to an identification chip associated with the customer. The computer-implemented method further includes receiving, by the computing system, the key and a request for one or more pieces of the identity information from a requesting party and providing, by the computing system, the requested one or more pieces of identity information to the requesting party based on the key and the preferences.

Abstract: A method implemented on an electronic computing device for arranging activities for one or more individuals using an autonomous vehicle (AV) includes receiving a request from a first individual for the AV. An action is initiated to provide the AV to the first individual. One or more activities are provided for the first individual to perform during a trip using the AV. A detection is made as to when the first individual completes one of the one or more activities. A cost of the trip is adjusted based on a completion of the one of the one or more activities.

Abstract: An example method includes receiving an encrypted biometric enrollment data and user identifier data. The encrypted biometric enrollment data includes at least one biometric enrollment sample from a user encrypted using an encryption key. The encryption key is generated based on a user secret and the user identifier is associated with the user. The user identifier is matched with a stored user secret. A decryption key is generated based on the stored user secret. The encrypted biometric enrollment data is decrypted using the decryption key. The at least one biometric enrollment sample is retrieved from the decrypted biometric enrollment data. The at least one biometric enrollment sample is processed using a biometric processing algorithm to generate a biometric reference template. A biometric reference template identifier uniquely identifying the biometric reference template is generated. An encryption key is generated based on the stored user secret and encrypts an enrollment confirmation message.

Abstract: Provided is relative multifactor authentication for interactions between users and one or more entities. Relative multifactor authentication includes monitoring a set of attributes associated with a user during an interaction between the user and the entity. The set of attributes include at least two of a behavioral attribute, a health attribute, a geospatial attribute, and a device attribute. Relative multifactor authentication also include comparing respective parameters of attributes of the set of attributes with expected parameters and determining an authentication status based on the comparison and weighted values assigned to respective attributes of the set of attributes. The user is selectively authenticated to begin to continue the interaction based on the authentication status.

Abstract: A modular vehicle system includes a plurality of vehicle modules with at least one autonomous vehicle module. A request from a user located at a user location specifies a plurality of the vehicle modules. The user location is specified, and a module location is determined for each of the specified vehicle modules. Based on the request, the specified modules are retrieved from the module locations, and assembled into a configured vehicle. The configured vehicle is located at a dispatch location. The configured vehicle is then dispatched from the dispatch location to the user location.

Abstract: Systems, methods, and other embodiments associated with event triggered policies are described herein. According to one embodiment, a system for event triggered policies includes an analytics engine and an implementation logic. The analytics engine includes a trigger logic and a monitor logic. The trigger logic stores event definitions. An event definition corresponds to an event. The monitor logic monitors personal factors related to the event. The analytics engine is configured to determine whether the personal factors satisfy the event definition. The analytics engine also selects a policy from the policies based, at least in part, on the event definition. The implementation logic implements the selected policy.

Abstract: A financial institution computing system associated with a financial institution includes a network interface configured to communicate data over a network, and a processing circuit comprising a memory and a processor. The memory has instructions stored thereon that cause the processor to receive, by the network interface, a content request from a user computing device associated with a user, the content request requesting content from a network destination, determine if the network destination is associated with a trusted entity, determine that the requested content prompts the user to input sensitive information, and transmit, by the network interface substitution content to the user computing device responsive to determining that the network destination is illegitimate and to determining that the requested content includes at least one field into which the user may input sensitive information, the substitution content including at least one prompt requesting the user to input sensitive information.

Abstract: An example computing device is programmed to: (a) detect an attempt to secondarily access a user account, the user account being involved in an ongoing primary financial session with a primary device; (b) raise the level of authentication required to secondarily access the user account beyond that which was required to access the account for the primary financial session; (c) when successful authentication at the raised level is achieved, permit secondary access to the user account through a secondary financial session and compare one or more user activities occurring during the secondary financial session to a plurality of fraud profiles; and (d) indicate fraud when comparison of the user activity is consistent with one or more of the plurality of fraud profiles.

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 fraud analysis computing system is provided. The system includes a network interface configured to communicate data over a network and a processing circuit including one or more processors coupled to non-transitory memory. The processing circuit is configured to monitor incoming call data generated during an incoming call between a user and an incoming caller, detect a fraud trigger within the incoming call data, and complete a fraud interception activity in response to detection of the fraud trigger.

Abstract: A method for using an autonomous vehicle includes receiving one or more user preferences for use of the autonomous vehicle. A destination is received for a trip using the autonomous vehicle. An arrival time is received for when the trip needs to be completed. A determination is made as to whether the user preferences includes a preference for physical activity for the trip. One or more routes are provided for the trip to the destination that permits the trip to be completed by the arrival time and that implements at least one of the user preferences. At least one of the routes comprises a hybrid route including one segment in which a physical activity selected by the user is suggested for traversing a distance of the one segment and another segment using the autonomous vehicle.

Abstract: Examples described herein relate to apparatuses and methods for facilitating automatic anonymous group funding, including but not limited to a provider computing system configured to establish a digital funding group, obtain a set of proposed transactions for at least one member of the digital funding group, and determine that a first user device from the plurality of user devices associated with the digital funding group is associated with a first customer unable to afford at least one proposed transaction. The provider computing system broadcasts a notification to the digital funding group requesting funds, matches funds provider(s) to the funds recipient, generates a funding transaction, provides the terms to the sender(s) and recipient of funds, modifies the terms as needed, and initiates a funds transfer.

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 mail analysis system includes a mail receiving device structured to receive a piece of mail associated with a user and direct the piece of mail to an imaging area, a scanning device structured to capture a scanned image of the piece of mail in the imaging area, a mail sorting structured to contact the piece of user mail to send the mail in one of a predetermined number of directions, and a processing circuit. The processing circuit is caused to receive the scanned image captured by the scanning device, determine if the piece of mail proposes a transaction to the user, transmit information pertaining to the transaction to a financial institution computing system, receive, an indication of the legitimacy of the proposed transaction from the financial institution computing system, and transmit a control signal to the mail sorting device based on the legitimacy of the proposed transaction.

Abstract: A method for managing a communication session includes receiving a request to perform a task. The task is divided into one or more steps. One or more user devices are identified that can be used to perform one or more of the steps. One or more communication channels are identified that are available to the one or more user devices. The communication session is permitted to switch from one or more of the user devices and communication channels to complete the one or more steps of the task while maintaining a continuity of the communication session.

Abstract: Systems, methods, and other embodiments associated with multi SIM card device binding are described herein. According to one embodiment, a system includes an authentication logic configured to enable communication between an entity and a user. The user is associated with a user profile. The system further includes a carrier logic configured to identify a subscriber identity module (SIM) card of a carrier. The carrier logic also requests carrier data associated with the SIM card from the carrier. An update logic is configured to update the user profile with the carrier data.

Abstract: A system and method of validating an identity of a user device is disclosed that includes registering a biometric signature with an authoritative identity source, transmitting an encrypted user identity element from the authoritative identity source to a user device, sending an identity request from a third party entity to the user device, transmitting the encrypted user identity element from the user device to the third party, sending an identity validation request from the third party to the authoritative identity source, transmitting a communication from the authoritative identity request to the third party entity, and informing the third party entity if the identity of the user is confirmed.

Abstract: An example computing device is programmed to: (a) detect an attempt to secondarily access a user account, the user account being involved in an ongoing primary financial session with a primary device; (b) raise the level of authentication required to secondarily access the user account beyond that which was required to access the account for the primary financial session; (c) when successful authentication at the raised level is achieved, permit secondary access to the user account through a secondary financial session and compare one or more user activities occurring during the secondary financial session to a plurality of fraud profiles; and (d) indicate fraud when comparison of the user activity is consistent with one or more of the plurality of fraud profiles.

Abstract: An authorization level is set at enrollment. Initiation information for a user of a device is provided during enrollment to an entity for authentication. The entity can be associated with a class defined by an ability of the entity to verify user identity. Verification data is received from the entity associated with user authentication. An authorization level is selected based on the verification data. An enrollment token is then generated that includes the authorization level that defines security parameters for the device.