Abstract: A method for facilitating application authentication bypass based on proximate with time using device authentication is disclosed. The method includes receiving a request from a user to access an application on a user device, the request including an application authentication request; accessing the user device via a device application programming interface; retrieving, via the device application programming interface, device authentication data, the device authentication data including a timeline of successful device authentications; determining whether the device authentication data is within a predetermined threshold; authenticating the request by using the device authentication data when the device authentication data is within the predetermined threshold; and permitting access to the application based on a result of the authenticating.

Abstract: Systems and methods for providing social engineering and malware alerts are disclosed. According to one embodiment, a method for providing in-application alerts may include: (1) receiving, at a computer program and from an operating system executed by a user electronic device, a notification that a message was received by the user electronic device and a caller ID for the message and/or a message sender identifier; (2) comparing, by the computer program, the caller ID for the message and/or the message sender identifier to data in one or more database; (3) determining, by the computer program, that the message is suspicious based on the comparison; (4) identifying, by the computer program, an activity being conducted using the user electronic device within a predetermined period of time from receipt of the message; and (5) issuing, by the computer program, a warning that the activity may be suspicious.

Abstract: Exemplary embodiments describe systems and methods which provide for currency or inter-currency transfers. An intermediate broker operates between service providers to enable the transfer to be separated into two local e-money transactions from point of view of the service providers. E-money flows and real money flows are disassociated to enable, for example, beneficiary parties to receive their funds in real time (or near real time) and to enable the intermediate broker to aggregate real money flows during periodic rebalancing processes among its local accounts.

Abstract: Exemplary embodiments describe systems and methods which provide for currency or inter-currency transfers. An intermediate broker operates between service providers to enable the transfer to be separated into two local e-money transactions from point of view of the service providers. E-money flows and real money flows are disassociated to enable, for example, beneficiary parties to receive their funds in real time (or near real time) and to enable the intermediate broker to aggregate real money flows during periodic rebalancing processes among its local accounts.