Abstract: Systems and methods for authentication using radio frequency tags are disclosed. In one embodiment, a method for approving a requested operation from a secondary user of a resource that is controlled by a primary user may include (1) a back end comprising at least one computer processor receiving, from a mobile application that is executed by a mobile device associated with a secondary user, a requested operation involving a resource that is controlled by a primary user; (2) the back end receiving a unique identifier from the secondary user mobile application, the unique identifier being read by the mobile application from a tag associated with the secondary user; (3) the back end determining that the received unique identifier matches a stored unique identifier that is associated with the secondary user; and (4) the back end approving the requested operation and communicating the approval to the secondary user mobile application.

Abstract: Systems and methods for authentication using radio frequency tags are disclosed. In one embodiment, a method for approving a requested operation from a secondary user of a resource that is controlled by a primary user may include (1) a back end comprising at least one computer processor receiving, from a mobile application that is executed by a mobile device associated with a secondary user, a requested operation involving a resource that is controlled by a primary user; (2) the back end receiving a unique identifier from the secondary user mobile application, the unique identifier being read by the mobile application from a tag associated with the secondary user; (3) the back end determining that the received unique identifier matches a stored unique identifier that is associated with the secondary user; and (4) the back end approving the requested operation and communicating the approval to the secondary user mobile application.

Abstract: The invention relates to a computer-implemented system and method for authenticating a customer of a business. The method may include the steps of: receiving from the customer at least one item of identifying information; confirming the identity of the customer; generating a token that represents an active session in which the customer interacts with one or more systems or personnel at the business; conducting a first set of communications between the customer and a first system of the business; inquiring with the customer as to whether the customer desires to transfer the active session to a second system at the business or to a third party system; and transferring the active session using the token to the second system or the third party system. The method may also comprise the steps of retrieving background information on the customer to assist a representative of the business in assisting the customer.

Abstract: Systems and methods for biometric payments are disclosed. In one embodiment, a method for conducting a biometric payment may include (1) receiving at a server and from an electronic device, transaction information comprising an identification of a good or service to purchase from a merchant and a biometric payment instruction from an individual that was captured by the electronic device; (2) at least one computer processor authenticating the individual based on the biometric payment instruction; (3) the at least one computer processor determining a payment account for the transaction from the biometric payment instruction; (4) the at least one computer processor retrieving a payment device associated with the payment account; and (5) the at least one computer processor providing the payment device to the merchant.

Abstract: Systems and methods for authentication using radio frequency tags are disclosed. In one embodiment, a method for approving a requested operation from a secondary user of a resource that is controlled by a primary user may include (1) a back end comprising at least one computer processor receiving, from a mobile application that is executed by a mobile device associated with a secondary user, a requested operation involving a resource that is controlled by a primary user; (2) the back end receiving a unique identifier from the secondary user mobile application, the unique identifier being read by the mobile application from a tag associated with the secondary user; (3) the back end determining that the received unique identifier matches a stored unique identifier that is associated with the secondary user; and (4) the back end approving the requested operation and communicating the approval to the secondary user mobile application.

Abstract: Systems and methods for biometric payments are disclosed. In one embodiment, a method for conducting a biometric payment may include (1) receiving at a server and from an electronic device, transaction information comprising an identification of a good or service to purchase from a merchant and a biometric payment instruction from an individual that was captured by the electronic device; (2) at least one computer processor authenticating the individual based on the biometric payment instruction; (3) the at least one computer processor determining a payment account for the transaction from the biometric payment instruction; (4) the at least one computer processor retrieving a payment device associated with the payment account; and (5) the at least one computer processor providing the payment device to the merchant.

Abstract: The invention relates to a computer-implemented system and method for authenticating a customer of a business. The method may include the steps of: receiving from the customer at least one item of identifying information; confirming the identity of the customer; generating a token that represents an active session in which the customer interacts with one or more systems or personnel at the business; conducting a first set of communications between the customer and a first system of the business; inquiring with the customer as to whether the customer desires to transfer the active session to a second system at the business or to a third party system; and transferring the active session using the token to the second system or the third party system. The method may also comprise the steps of retrieving background information on the customer to assist a representative of the business in assisting the customer.

Abstract: Systems and methods for biometric payments are disclosed. In one embodiment, a method for biometric payments may include (1) receiving transaction information from a merchant terminal, the transaction information comprising an identification of a good or service to purchase and a biometric payment instruction; (2) at least one computer processor authenticating the individual based on the biometric payment instruction; (3) the at least one computer processor determining a payment account from the biometric payment instruction; (4) the at least one computer processor retrieving a payment device associated with the payment account; and (5) the at least one computer processor providing the payment device to the merchant terminal.

Abstract: Systems and methods for autonomous portfolio management and funding using smart contracts are disclosed. In one embodiment, a method for autonomous portfolio management may include (1) a portfolio management system comprising a computer processor generating a portfolio template for an investment portfolio, the portfolio template comprising at least one investment vehicle, an identification of a least one investor, and an identification of a funding account; (2) the portfolio management system receiving at least one portfolio rule specifying a condition and an action to take with the investment vehicle in response to the condition; and (3) the portfolio management system writing the portfolio template to a dependent ledger as a smart contract.

Abstract: The invention relates to an authentication interface located at a branch location comprising: a recognition unit, positioned in a direction towards an entrance of the branch location, that identifies a visitor based on a physical biometric, the recognition unit comprising at least one camera that receives image data associated with the visitor and performs a facial recognition based on the image data; a processing unit, coupled to the recognition unit, that identifies the visitor as a customer based on the facial recognition, the customer having a customer identifier associated with a customer profile; the processing unit generates a customer interaction event based on the customer profile and places the customer in a queue for servicing; and an interactive display, coupled to the queuing unit and processing unit, that displays a customized message to address the customer interaction event.

Abstract: Systems and methods for automated transaction analysis are disclosed. In one embodiment, a method for transaction evaluation may include (1) a computer processor receiving an identification of a plurality of completed transactions that were completed using a first transaction account; (2) the computer processor receiving an identification of a first benefit earned based on the first transaction account; (3) the computer processor receiving a plurality of parameters for a second transaction account; (4) the computer processor simulating a usage of the second transaction account by applying the plurality of parameters for the second transaction account to the completed transactions; (5) the computer processor identifying a second benefit earned based on the simulation; and (6) the computer processor outputting the results of the simulation comprising a comparison of the first benefit to the second benefit.

Abstract: An embodiment of the present invention is directed to a code review tool. A system that implements a T24 code review tool comprises: a memory component; an interactive interface that receives one or more user inputs; a processor, coupled to the memory component and the interactive interface, the processor configured to perform the steps comprising: retrieve components of an application; initiate automated code review function for the components; identify code review comments prior to code compilation; display comments with severity for code review; and confirm and initiate code compilation process.

Abstract: The invention relates to a token-based mobile payment device comprising: a memory component that stores tokens and corresponding token use data; an interactive display that receives user input and in response to the user input, displays output data; a processor, coupled to the memory component and the interactive display, configured to perform the steps of: request a token to be transmitted to one or more recipients; identify an amount for the token and one or more restrictions on use of the token; communicating, via a wireless communication network, the token to the one or more recipients; and tracking the token and providing active token use data, via the interactive display.

Abstract: The invention relates to a customer interaction management system that comprises a memory that stores customer profile data and customer interaction data; a voice response input that receives a voice pattern from a customer; and a computer processor, coupled to the memory and the voice response input, programmed to: retrieve customer voice data from a current customer interaction via a voice channel; retrieve data from one or more other interactions via one or more other channels; compare customer voice data to a customer baseline, where the customer baseline is developed from one or more prior customer interactions; generate, using a speech analytics engine, a customer score that indicates customer sentiment based on the customer voice data and data from one or more other interactions; during the current customer interaction, update the customer score based on customer progress data; and develop one or more actions, in response to the customer score.

Abstract: In one embodiment, a method includes receiving an indication that a user has initiated a transaction and determining whether location information identifying a location of the transaction was received. A first attribute package of a plurality of attribute packages of the user may be identified based on customized rules and, if received, based on the location information. An identification of the first attribute package may be sent to the user's client system as a recommended payment attribute package for processing the transaction. In response to the identification of the first attribute package, the transaction may be opened, and a payment attribute package for the transaction may be set to the first attribute package. The transaction may be held open for a predetermined period of time to allow the user to modify the payment attribute package for the transaction to a different attribute package.

Abstract: Systems and methods for location determination using radio frequency tags are disclosed. In one embodiment, a method may include (1) a back end server receiving, from a RF sensor in a network comprising a plurality of RF sensors, a unique identifier for a sensed tag and an identifier for the RF sensor; (2) the back end server retrieving a location of the RF sensor based on the sensor identification; (3) the back end server associating a sensed tag location with the location; (4) the back end server retrieving authorization information for the sensed tag based on the unique identifier; and (5) the back end server determining that the sensed tag is authorized to be in the location.

Abstract: The invention relates to a customer interaction management system that comprises a memory that stores customer profile data and customer interaction data; a voice response input that receives a voice pattern from a customer; and a computer processor, coupled to the memory and the voice response input, programmed to: retrieve customer voice data from a current customer interaction via a voice channel; retrieve data from one or more other interactions via one or more other channels; compare customer voice data to a customer baseline, where the customer baseline is developed from one or more prior customer interactions; generate, using a speech analytics engine, a customer score that indicates customer sentiment based on the customer voice data and data from one or more other interactions; during the current customer interaction, update the customer score based on customer progress data; and develop one or more actions, in response to the customer score.

Abstract: The invention relates to a customer interaction management system that comprises a memory that stores customer profile data and customer interaction data; a voice response input that receives a voice pattern from a customer; and a computer processor, coupled to the memory and the voice response input, programmed to: retrieve customer voice data from a current customer interaction via a voice channel; retrieve data from one or more other interactions via one or more other channels; compare customer voice data to a customer baseline, where the customer baseline is developed from one or more prior customer interactions; generate, using a speech analytics engine, a customer score that indicates customer sentiment based on the customer voice data and data from one or more other interactions; during the current customer interaction, update the customer score based on customer progress data; and develop one or more actions, in response to the customer score.

Abstract: Systems and methods for biometric payments are disclosed. In one embodiment, a method for biometric payments may include (1) receiving transaction information from a merchant terminal, the transaction information comprising an identification of a good or service to purchase and a biometric payment instruction; (2) at least one computer processor authenticating the individual based on the biometric payment instruction; (3) the at least one computer processor determining a payment account from the biometric payment instruction; (4) the at least one computer processor retrieving a payment device associated with the payment account; and (5) the at least one computer processor providing the payment device to the merchant terminal.

Abstract: In one embodiment, a method includes receiving an indication that a user has initiated a transaction and determining whether location information identifying a location of the transaction was received. A first attribute package of a plurality of attribute packages of the user may be identified based on customized rules and, if received, based on the location information. An identification of the first attribute package may be sent to the user's client system as a recommended payment attribute package for processing the transaction. In response to the identification of the first attribute package, the transaction may be opened, and a payment attribute package for the transaction may be set to the first attribute package. The transaction may be held open for a predetermined period of time to allow the user to modify the payment attribute package for the transaction to a different attribute package.