Abstract: A location-based event scheduling and coordination system includes at least one host computing device configured to accept from at least one user a first event and a second event at respectively different locations to be successively attended. The host computing device automatically considers location-based information for each of the first event and the second event to determine a possible scheduling conflict between the first event and the second event, and if a possible scheduling conflict is determined, automatically notifies the at least one user.

Abstract: An electronic data protection (EDP) computing device for protecting sensitive data of a user during a computer interaction between the user and a business entity computing device associated with a business entity is provided. The EDP computing device is configured to receive interaction data for the computer interaction from the business entity computing device. The interaction data includes an interaction identifier, a business entity identifier, and a user identifier in lieu of a protected data object. The EDP computing device generates a token request message using the interaction data and a request token and transmits the token request message to the user computing device, prompting the user to pick a user account. The EDP computing device receives a response token identifying an account selected to complete the computer interaction, retrieves the protected data object, and completes the computer interaction using the protected data object.

Abstract: A system and computer-implemented method for protecting against fraud by authenticating communications and communicative devices in real time and prior to accepting instructions or otherwise substantively engaging via the devices. A software app on the mobile phone of a cardholder creates a token, which is also provided to a card issuer. Historical authentication information is collected about the mobile phone and an associated cardholder. An authentication request, including the token, is received from the card issuer when communication is initiated by the mobile device. Current authentication information is also collected. The historical and current authentication information is analyzed, an authentication result is generated reflecting a likelihood that the mobile phone is being legitimately used by the cardholder associated with it, and the authentication result is communicated to the card issuer.

Abstract: A location-based event scheduling and coordination system includes at least one host computing device configured to accept from at least one user a first event and a second event at respectively different locations to be successively attended. The host computing device automatically considers location-based information for each of the first event and the second event to determine a possible scheduling conflict between the first event and the second event, and if a possible scheduling conflict is determined, automatically notifies the at least one user.

Abstract: An electronic data protection (EDP) computing device for protecting sensitive data of a user during a computer interaction between the user and a business entity computing device associated with a business entity is provided. The EDP computing device is configured to receive interaction data for the computer interaction from the business entity computing device. The interaction data includes an interaction identifier, a business entity identifier, and a user identifier in lieu of a protected data object. The EDP computing device generates a token request message using the interaction data and a request token and transmits the token request message to the user computing device, prompting the user to pick a user account. The EDP computing device receives a response token identifying an account selected to complete the computer interaction, retrieves the protected data object, and completes the computer interaction using the protected data object.