Abstract: A computer-implemented method for managing financial payments between parties using an electronic payment computing device is provided. The method includes receiving a payee debit account identifier from a payee computing device, the payee debit account identifier associated with a payee debit account; creating a payee user account using the payee debit account identifier, wherein the payee user account is linked to the payee debit account; receiving a first payment request from the payee computing device requesting payment from a payor; generating a unique link for accessing a payment page associated with the first payment request; transmitting a second payment request to a payor computing device, wherein the second payment request includes the unique link; receiving a payment response from the payor computing device authorizing payment from a payor debit account to the payee; and prompting a transfer of funds from the payor debit account to the payee debit account.

Abstract: Embodiments of the invention include systems, methods, and computer-program products for scheduling and affecting appointment calendaring based on dependencies. As such, the invention provides for a dynamic appointment calendaring based on changes in the user's location. The dependencies comprise current and potential future locations and times of a user. The invention continuously monitors the calendars of the user on one or more devices. Further, the invention determines a change in existing appointments or cancellation of an appointment such that the user is newly available at certain time or determines a change in current and potential future locations of the user. Subsequently, the invention then evaluates one or more upcoming future appointments of the user with the financial institution specialists and ascertains the appointment details. The invention then automatically, schedules one or more new appointments at a new time and/or location with relevant specialists.

Abstract: Embodiments of the invention include systems, methods, and computer-program products for scheduling and affecting appointment calendaring based on perceived user requirements. As such, the invention provides for a smart appointment calendaring based on the automatic and real time analysis of a user's financial information, transaction history, navigation history and the like. The system then identifies one or more relevant specialists and schedules one or more appointments. Based on needs identified from analysis of user information, the invention may create an appointment package for the user. Thus, the system may schedule appointments with one or more specialists based on the user's requirements.

Abstract: Systems, apparatus, methods, and computer program products are provided for determining a user's authentication requirements/credentials for a specific network access session based on the current location of the user in comparison to predetermined boundaries of location that have altered authentication requirements, in the form of, increased or decreased authentication requirements/credentials that differ from the standard authentication requirements.

Abstract: Systems, apparatus, methods, and computer program products are provided for determining a user's authentication requirements/credentials for function requiring authentication based on determining a location along an authentication continuum. The location along the authentication continuum defines the degree of authentication/credentials required to access the function and is determined based on a current state of the user and/or function attributes. The more or less that is known about the current state of the user the more or less likely the user is the user that is attempting to access the function and, thus, the authentication requirements required to access the function can be adjusted according (increased or decreased).

Abstract: Systems, apparatus, methods, and computer program products are provided for determining a user's authentication requirements/credentials for a specific network access session based on the current location of the user in comparison to predetermined boundaries of location that have altered authentication requirements, in the form of, increased or decreased authentication requirements/credentials that differ from the standard authentication requirements.

Abstract: Embodiments are directed to systems, methods and computer program products for providing user authentication based on historical user patterns. Embodiments of the present invention may be configured to communicate code executable by a computing device that causes the computing device to monitor user patterns of a user based on the user interacting with the computing device; receive baseline user patterns to identify the user; identify, from the baseline user patterns, one or more routine actions performed by the user operating the computing device; receive a request to perform a transaction, wherein the transaction is associated with a level of security that must be authenticated; receive identification user patterns of the user based on the user interacting with the computing device; determine a threshold score based on comparing the identification user patterns with the baseline user patterns; and alter the level of security.

Abstract: Systems, apparatus, methods, and computer program products are provided for determining a user's authentication requirements/credentials for a specific network access session based on the current location of the user in comparison to known boundaries of location associated with the user, such as patterns of movement or the like. As such, the present invention serves to expedite the process for authenticating a user who desires to gain access to a network service, such as a banking application or the like.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for receiving a request from a user for access to at least one function associated with a first application; determining that access to at least one function requires user authentication; initiating sensing of an authentication validating carrier comprising a first credential; determining the first credential based at least in part on the sensed authentication validating carrier; validating the first credential, thereby resulting in a first successful user authentication; and granting access to at least one function associated with the first application based on the validation of the first successful user authentication.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for receiving a request from a user for access to at least one function associated with a first application; determining that access to at least one function requires user authentication; initiating sensing of an authentication validating carrier comprising a first credential; determining the first credential based at least in part on the sensed authentication validating carrier; validating the first credential, thereby resulting in a first successful user authentication; and granting access to at least one function associated with the first application based on the validation of the first successful user authentication.

Abstract: Embodiments of the invention include systems, methods, and computer-program products for scheduling and affecting appointment calendaring based on perceived user requirements. As such, the invention provides for a smart appointment calendaring based on the automatic and real time analysis of a user's financial information, transaction history, navigation history and the like. The system then identifies one or more relevant specialists and schedules one or more appointments. Based on needs identified from analysis of user information, the invention may create an appointment package for the user. Thus, the system may schedule appointments with one or more specialists based on the user's requirements.

Abstract: The present disclosure describes user self-directed sharing of user data with entities in return for user benefits. Embodiments herein disclosed receive user data, aggregate the user data into user data groups, receive at least one benefit that an entity is willing to offer in exchange for a user data group, associate the benefit with each of the user data groups, provide a user interface to the user, prompt the user for selecting one of the user data groups and the benefit for the selected user data group, receive an indication that the user has selected to share one of the user data groups in exchange for the benefit, provide the user data associated with the selected user data group to the entity associated with the benefit, and provide a notification to the user of the benefit associated with the selected user data group has been associated with the user.

Abstract: Embodiments of the invention relate to systems and methods for facilitating digital wallet transfers. In particular, the embodiments of the invention relate to system configured to create an electronic wallet capable of receiving funds from an online transaction. The system may further cause a mobile device to install a banking application for managing the electronic wallet, wherein the banking application enables a user to create a financial account and transfer funds available to the electronic wallet to the financial account. Based on the user interacting with the banking application, the system creates a financial account capable of receiving funds from the electronic wallet. The system identifies that the electronic wallet has received funds, and based on such identification, the system transfers an amount of funds available to the electronic wallet to the financial account.

Abstract: Embodiments of the invention include systems, methods, and computer-program products for scheduling and affecting appointment calendaring based on dependencies. As such, the invention provides for a dynamic appointment calendaring based on changes in the user's location. The dependencies comprise current and potential future locations and times of a user. The invention continuously monitors the calendars of the user on one or more devices. Further, the invention determines a change in existing appointments or cancellation of an appointment such that the user is newly available at certain time or determines a change in current and potential future locations of the user. Subsequently, the invention then evaluates one or more upcoming future appointments of the user with the financial institution specialists and ascertains the appointment details. The invention then automatically, schedules one or more new appointments at a new time and/or location with relevant specialists.

Abstract: Embodiments of the invention include systems, methods, and computer-program products for enriching appointment calendaring with pre- and post-appointment requirements. In this way, the invention creating an appointment ticket in the user's passbook or calendar for one or more calendared appointments identified in a user's calendar. The system may enrich the saved appointment with information, documents, or the like that may be required for the appointment prior to the appointment occurring. In this way, the system may generate and fill out the necessary documents for the user in preparation for the appointment. Furthermore, the system may enrich the stored appointment data with information post-appointment. For example, the system may incorporate a log of the appointment, follow-up information required, or the like.

Abstract: Embodiments of the invention include systems, methods, and computer-program products for scheduling and affecting appointment calendaring based on user application navigation. As such, the invention provides for a smart appointment calendaring based on the portion of an application that the user is viewing. For example, if the user is in a credit card section of the application, the invention may identify this location and prompt an appointment to be set up with a credit card specialist. Furthermore, in some embodiments, the invention allows the user to add a voice message to set up the appointment, thus analysis of the voice message may be performed by the invention systems to match the user with the most appropriate specialist. Based on needs identified from application navigation, the invention may create an appointment package for the user. Thus, the system may schedule appointments with one or more specialists based on the user's needs.

Abstract: The present invention includes a system for authenticating a second action based on a first action, wherein the system is configured to: receive a first request to execute a first action associated with a first application; determine that execution of the first action requires user authentication; request one or more authentication credentials from the user; receive a first authentication credential associated with the first action; validate the first authentication credential, thereby resulting in a successful validation of the received first authentication credential; in response to the successful validation, execute the first action; receive a second request to execute a second action associated with a second application; determine that execution of the second action requires user authentication; use the successful validation of the first authentication credential to validate a second authentication credential so that the second action may be executed.

Abstract: The present invention includes a system for authenticating a second action based on a first action, wherein the system is configured to: receive a first request to execute a first action associated with a first application; determine that execution of the first action requires user authentication; request one or more authentication credentials from the user; receive a first authentication credential associated with the first action; validate the first authentication credential, thereby resulting in a successful validation of the received first authentication credential; in response to the successful validation, execute the first action; receive a second request to execute a second action associated with a second application; determine that execution of the second action requires user authentication; use the successful validation of the first authentication credential to validate a second authentication credential so that the second action may be executed.

Abstract: A computer-implemented method for managing financial payments between parties using an electronic payment computing device is provided. The method includes receiving a payee debit account identifier from a payee computing device, the payee debit account identifier associated with a payee debit account; creating a payee user account using the payee debit account identifier, wherein the payee user account is linked to the payee debit account; receiving a first payment request from the payee computing device requesting payment from a payor; generating a unique link for accessing a payment page associated with the first payment request; transmitting a second payment request to a payor computing device, wherein the second payment request includes the unique link; receiving a payment response from the payor computing device authorizing payment from a payor debit account to the payee; and prompting a transfer of funds from the payor debit account to the payee debit account.

Abstract: Embodiments are directed to systems, methods and computer program products for providing user authentication based on transaction data.