Abstract: Systems and methods for remotely verifying an identity of a user to open an account are provided. A method includes: receiving information relating to an identity of a first user from a first computing device associated with a second user, the information comprising contact information for the first user; sending a notification to a second computing device associated with the first user based on the information received from the first computing device; in response to receiving an affirmative reply from the second computing device, verifying the identity of the first user; and opening an account for the first user based on the identity of the first user being verified by receiving the affirmative reply from the second computing device.

Abstract: Systems and methods for remotely verifying an identity of a minor to open an account at a financial institution for the minor are provided. A method includes, responsive to verification of an identity of an adult associated with the minor, receiving, by a provider institution computing system of a provider institution, information relating to the minor from a minor computing device associated with the minor, and scraping, by the provider institution computing system, data from one or more social media profiles associated with the adult. The method includes comparing, by the provider institution computing system, the scraped data to information from the adult regarding the minor, and in response to a match, remotely verifying, by the provider institution computing system, the identity of the minor based on the information relating to the minor, such that the account for the minor is authorized to be opened at the provider institution.

Abstract: Systems and methods for remotely verifying an identity of a minor to open an account at a financial institution for the minor are provided. A method includes receiving, by a financial institution computing system associated with the financial institution, a request from an adult computing device associated with the adult to open the account; remotely verifying, by a verification circuit, an identity of the adult based on received information regarding the adult; receiving, by the financial institution computing system, information relating to the minor from a minor computing device associated with the minor; remotely verifying, by the verification circuit, the identity of the minor based on the received information relating to the minor; and opening, by an account opening circuit associated with the financial institution computing system, an account on behalf of the minor.

Abstract: Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a telephone agent support computer system associated with a telephone agent channel, an authentication request for a user account. The computing platform may generate a set of one or more authentication prompts based on a set of authentication rules defined for the telephone agent channel and may provide the set of one or more authentication prompts generated based on the set of authentication rules defined for the telephone agent channel. Subsequently, the computing platform may validate one or more responses to the set of one or more authentication prompts. Based on validating the one or more responses, the computing platform may provide user account information associated with the user account to the telephone agent support computer system associated with the telephone agent channel.

Abstract: Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a mobile device, an authentication request for a user account and may generate one or more authentication prompts. Subsequently, the computing platform may provide the one or more authentication prompts and may validate responses to the authentication prompts. Based on validating the responses to the authentication prompts, the computing platform may generate one or more security questions based on historical information associated with the user account. Subsequently, the computing platform may provide the one or more security questions and may validate one or more responses to the one or more security questions. Based on validating the one or more responses to the one or more security questions, the computing platform may provide user account information associated with the user account to the mobile device.

Abstract: Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a telephone agent support computer system associated with a telephone agent channel, an authentication request for a user account. The computing platform may generate a set of one or more authentication prompts based on a set of authentication rules defined for the telephone agent channel and may provide the set of one or more authentication prompts generated based on the set of authentication rules defined for the telephone agent channel. Subsequently, the computing platform may validate one or more responses to the set of one or more authentication prompts. Based on validating the one or more responses, the computing platform may provide user account information associated with the user account to the telephone agent support computer system associated with the telephone agent channel.

Abstract: Aspects of the disclosure relate to linking channel-specific systems with a user authentication hub. In some embodiments, a computing platform may receive, from a mobile device, an authentication request for a user account and may generate one or more authentication prompts. Subsequently, the computing platform may provide the one or more authentication prompts and may validate responses to the authentication prompts. Based on validating the responses to the authentication prompts, the computing platform may generate one or more security questions based on historical information associated with the user account. Subsequently, the computing platform may provide the one or more security questions and may validate one or more responses to the one or more security questions. Based on validating the one or more responses to the one or more security questions, the computing platform may provide user account information associated with the user account to the mobile device.

Abstract: Systems and methods for authenticating a user's identity at an ATM are provided. One method may include capturing at least a portion of user's facial information using a facial recognition camera. The method may also include receiving information using an additional biometric scanner. The method may further include using one or more device handlers to receive information related to the captured portion of the user's facial information from the facial recognition camera and to receive information related to the additional biometric scanner. The one or more device handlers may also be used for determining one or more routing destinations for said information related to the captured portion of the user's facial information, for said information and for said information received from the additional biometric scanner.

Abstract: Methods, systems, and computer-readable media for selectively enabling and disabling biometric authentication are presented. In some embodiments, a computing platform may receive, from a device monitoring and management computer system, a device state indicator message comprising device state information associated with a mobile computing device. Subsequently, the computing platform may set a biometric authentication flag for the mobile computing device based on the device state indicator message received from the device monitoring and management computer system. Then, the computing platform may generate an authentication functionality message for the mobile computing device based on the biometric authentication flag set for the mobile computing device, and the authentication functionality message may be configured to selectively enable or disable one or more biometric authentication functions provided by the mobile computing device.

Abstract: Methods, systems, and computer-readable media for selectively enabling and disabling biometric authentication are presented. In some embodiments, a computing platform may receive, from a device monitoring and management computer system, a device state indicator message comprising device state information associated with a mobile computing device. Subsequently, the computing platform may set a biometric authentication flag for the mobile computing device based on the device state indicator message received from the device monitoring and management computer system. Then, the computing platform may generate an authentication functionality message for the mobile computing device based on the biometric authentication flag set for the mobile computing device, and the authentication functionality message may be configured to selectively enable or disable one or more biometric authentication functions provided by the mobile computing device.

Abstract: An apparatus and method of maintaining beneficiary information are disclosed. The apparatus can be configured to perform the method, which may include obtaining information for one or more recipients of one or more conveyances of property, obtaining one or more digital IDs from the one or more recipients, maintaining the one or more digital IDs from the one or more recipients by periodically sending notifications to the one or more recipients, and distributing assets with the one or more digital IDs to the one or more recipients.

Abstract: Systems and methods for authenticating a user's identity at an ATM are provided. One method may include capturing at least a portion of user's facial information using a facial recognition camera. The method may also include receiving information using an additional biometric scanner. The method may further include using one or more device handlers to receive information related to the captured portion of the user's facial information from the facial recognition camera and to receive information related to the additional biometric scanner. The one or more device handlers may also be used for determining one or more routing destinations for said information related to the captured portion of the user's facial information, for said information and for said information received from the additional biometric scanner.

Abstract: Systems and methods for authenticating a user's identity at an ATM are provided. One method may authenticate a user's identity at an Automated Teller Machine (“ATM”) over a period of time. The method may include capturing at least a portion of user's facial information using a facial recognition camera. The method may include displaying a QR code for capture by a mobile device. The method may further include receiving information using a wireless receiver from the mobile device that corresponds to the QR code. The method may also include using one or more device handlers to receive information related to the captured portion of the user's facial information from the facial recognition camera and to receive information related to the QR code from the wireless receiver and for determining one or more routing destinations for the information related to the captured portion of the user's facial information and for the information that corresponds to the QR code.

Abstract: An electronic process to capture, track and monitor unique identifying information regarding automated teller machine (ATM) deposits. ATMs equipped with radio-frequency identification (RFID) or other remote identification technology may enable the electronic transfer of key data elements to general ledger and asset tracking processing systems.

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for annotating financial transactions. For example, one embodiment of the invention provides a financial institution's computer apparatus having a memory communicably coupled to a processor. In one embodiment, the memory device includes information regarding a plurality of bank accounts stored therein, and the processing device is configured to receive an indication of a transaction involving a first bank account stored in the memory device, send a request for ancillary information about the transaction to a party associated with the first bank account, receive ancillary information, such as a photograph of a product purchased in the transaction, from the party associated with the first bank account, and associate, in the memory device, the received ancillary information with the transaction.

Abstract: An apparatus and method of maintaining beneficiary information are disclosed. The apparatus can be configured to perform the method, which may include obtaining information for one or more recipients of one or more conveyances of property, obtaining one or more digital IDs from the one or more recipients, maintaining the one or more digital IDs from the one or more recipients by periodically sending notifications to the one or more recipients, and distributing assets with the one or more digital IDs to the one or more recipients.

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for annotating financial transactions. For example, one embodiment of the invention provides a financial institution's computer apparatus having a memory communicably coupled to a processor. In one embodiment, the memory device includes information regarding a plurality of bank accounts stored therein, and the processing device is configured to receive an indication of a transaction involving a first bank account stored in the memory device, send a request for ancillary information about the transaction to a party associated with the first bank account, receive ancillary information, such as a photograph of a product purchased in the transaction, from the party associated with the first bank account, and associate, in the memory device, the received ancillary information with the transaction.

Abstract: An electronic process to capture, track and monitor unique identifying information regarding automated teller machine (ATM) deposits. ATMs equipped with radio-frequency identification (RFID) or other remote identification technology may enable the electronic transfer of key data elements to general ledger and asset tracking processing systems.