Abstract: This disclosure is directed to techniques that include presenting various investment options in a graphical representation of a map. In one example, a method includes collecting information about a user; determining a geographical area expected to be familiar to the user; outputting a map illustrating a plurality of travel plans within the geographical area, each travel plan being associated with an investment option, and wherein the map illustrates each of the travel plans with a travel vehicle corresponding to an investment vehicle and a travel time corresponding to an investment timeframe; receiving an indication of input interacting with the map; identifying a selected travel plan from among the plurality of travel plans within the geographical area; and determining a selected investment option, wherein the selected investment option is the investment option associated with selected travel plan.

Abstract: A system, method and computer program product provide for intervening in a financial transaction to discourage a bad decision by a customer. An execution decision by a customer is analyzed. A cautionary rule that is violated by the execution decision is identified. A suggestion in a personally persuasive persona presented on at least one user interface device to the customer.

Abstract: A customer who manages a social media service may interact with a business regarding a product. A computerized system associated with the business may detect this interaction and analyze a social media network of the customer on the social media service. The system may identify a set of users that are connected to the customer on the social media network with high potential to promote and/or consume the product of the business. The system may track social media messages sent to these users by the customer regarding the product as the social media messages traverse through the social media service and result in sales. The system may provide an incentive to the customer in response to the social media message resulting in a sale.

Abstract: Provided herein are identification of a distributed denial of service attack and automatic implementation of preventive measures to halt the distributed denial of service attack. At substantially the same time as the attack, valid users/customers (e.g., devices) are provided quality of service and continued access to a website experiencing the distributed denial of service attack. Further, service to temporary or unknown users (e.g., devices) with public access to the website is suspended during the duration of the distributed denial of service attack.

Abstract: Theft identification, prevention, and remedy are provided. A determination is made that a client device has been compromised. When the device makes the determination, a message is conveyed to the server and the server replies with a security challenge. When the server makes the determination, the security challenge is automatically sent to the device. An intelligence manager on the device attempts to answer the security question without interaction from the user. If there is an anomaly, a challenge is output to the user. Based on a false response to the challenge, a current data stream may be disrupted and removed from the device. Further, other devices in the network may be notified about the compromised device.

Abstract: A distributed system includes a lending device that is configured to receive, from a user device, a real-time request for a loan associated with a service, where the request specifies at least an identifier of the user device and a specific amount of funds; determine, based at least on the specific amount of funds for the loan and on the identifier of the user device, to provide the loan to the user device; generate a digital token associated with the loan, where the digital token specifies usage restrictions that are associated with (i) an approved amount of funds, (ii) a duration of the loan, and (iii) a payee associated with a service device; and provide, the user device and/or the service device, the digital token associated with the loan, where the digital token is redeemable by the payee associated with the service device for the approved amount of funds.

Abstract: The innovation discloses systems and methods of authenticating users using vein or blood vessel characteristics. The innovation retrieves, based on an authentication request, an authentication image associated with a user. The authentication image comprises a first predetermined point and a second predetermined point. The innovation projects the authentication image onto a body part of the user and reads a blood vessel from the body part. The user orients the blood vessel such that it corresponds to the predetermined points in the projected authentication image. The user is authenticated when the blood vessel appears to connect the predetermined points in the direction of the blood flow.

Abstract: First data from a user device is received on an electronic computing device. The first data is encrypted to generate second data. The second data is fragmented and stored in a plurality of data stores.

Abstract: Composite biometric authentication is provided to multiple users that share a financial account. The users can enroll the account for composite biometric authentication. The enrollment can include recording multiple biometrics of each user and storing them as a composite to use in authenticating user requests to authorize transactions involving the shared financial account. A unique combination of biometrics can be generated including a biometric of the multiple biometrics of each of the users and stored such that the unique combination must be provided to authenticate a future user request. To proceed with a transaction, a user of the multiple users initiates the transaction and provides their part of the unique combination. The other users provide their part of the unique combination by providing the specific biometric of the multiple biometrics they have previously provided. The transaction proceeds when all shares of the unique combination are provided and authenticated.

Abstract: A method, system and computer program product automate support for an Internet of Things (IoT) device by a trusted agent. The system includes a mobile wallet executed by a user device that effects execution of a financial transaction with a third party system for an IoT device. A device interface receives a unique identifier associated with the IoT device. A network interface accesses support information associated with the unique identifier of the IoT device. A secure storage used by the mobile wallet stores the unique identifier and support information. A support operation engine executes a support operation for the IoT device based on the unique identifier and support information in the secure storage accessed by the mobile wallet.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of compliance management and determining non-compliance. The systems and methods can process a data request from a user and generate a permission token for a service operator and a service request for the data request. The systems and methods can determine a service operator that has permissions to solve the data request. The systems and methods can receive the permission token and the service request when the service operator has solved the data request and process the permission token and the service request upon completion of the data request by the service operator. The systems and methods can determine non-compliance based on receiving an expired permission token, an invalidated service request, or only one or neither of the two. The systems and methods can generate and alert and/or recommend security actions according to an escalation matrix.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of providing trust recommendations. The innovation receives fidelity data of an advisor. The fidelity data can include audio or visual data of the advisor in which the advisor is providing advice. A trust score for the advisor is determined based on a biometric or other analysis of the fidelity data. The trust score is compared to a threshold trust score to determine a recommendation to the user. The recommendation can be to trust or distrust the advisor or the advice. The recommendation is communicated or otherwise provided to the user.

Abstract: Systems and methods provide for a solution for encryption by dynamically opening multiple channels between the client and the server, where the channels include both secured (e.g., SSL/TLS and etc.) channels and non-secured channels. Non-sensitive information can be over non-secured channels, and sensitive information can be sent via the secured channels. The system can recognize whether the information is sensitive or not via the use of tags on a page or frame that delineate which information is sensitive. For instance, on a form, tags can mark off the areas of the form that may contain sensitive information, such as social security numbers, names, addresses, financial information and other private information. All the data within the tags can be considered sensitive and so be communicated to the server via a secure channel while other data can be transmitted through unsecured channels.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of authenticating customers of a financial institution. Authentication includes the system and method receiving taptic patterns made up of taps or movements. The taptic patterns are compared against a stored taptic pattern for a match. Authentication includes a biometric confirmation of the customer's identity. The biometric and taptic patterns can be recorded using a variety of integrated device embodiments.

Abstract: Various examples are directed to systems and methods for trading with a trader device. The trader device may receive a first image captured by an image sensor directed away from a user of the trader device and determine a company indicator depicted in the first image. The trader device may provide, on a display of the trader device, a user interface, based at least in part on first security data describing a first security indicated by the company indicator. The trader device may receive, via the user interface, instruction data describing a trade in the first security. The trader device may receive, from a biometric sensor of the trader device, user biometric data comprising a first value for a first biometric variable of the user, and provide to the user an alert message indicating that the user biometric data is outside of a biometric data range.

Abstract: Cash grid techniques or systems are disclosed that provide a centralized tracking service for physical and digital currency. In operation, physical digital currency can be associated with, and otherwise tracked between, a mobile wallet and to the cash grid using unique ledger and communication systems and methodologies. A trusted bank or other entity can provide a machine which can convert physical cash to virtual cash. As part of the conversion from physical to digital currency, the identification (ID) (e.g., serial number) of the physical cash is transferred to and linked to the virtual (or digital) cash.

Abstract: Techniques are described for providing insurance coverage for a virtual wallet stored on a computing device. The virtual wallet has a value equal to a sum of assigned values of a plurality of virtual financial assets included in the virtual wallet. A user of the computing device purchases an insurance policy for the virtual wallet with an insured amount based on the value of the virtual wallet. The computing device is configured to send messages to an insurance server reporting an updated value of the virtual wallet based on changes to the assigned values of the virtual financial assets. The insurance server updates the insured amount of the insurance policy based on the updated value of the virtual wallet. Upon the virtual wallet being compromised, the insurance policy has an insured amount equal to the most recent updated value of the virtual wallet.

Abstract: Systems and methods provide for a document fraud detection system for identifying fraudulent documents. The document fraud detection system can include up to three steps of fraud detection, where if the document fails any of the three steps, the document can be flagged for further review. In another embodiment, the document fraud detection system can score each of the three tests, where the scores represent the likelihood that the document is fraudulent. If the combined score satisfies a predetermined criterion, the document can be flagged as potentially fraudulent. The three tests can include analyzing a scanned image of the document and comparing to other similar documents to determine if there have been any alterations. The second test can compare indents to previous documents, and the third test can analyze chemical and biometric factors that may indicate whether the document has been altered.

Abstract: Provided herein are identification of a distributed denial of service attack and automatic implementation of preventive measures to halt the distributed denial of service attack. At substantially the same time as the attack, valid users/customers (e.g., devices) are provided quality of service and continued access to a website experiencing the distributed denial of service attack. Further, service to temporary or unknown users (e.g., devices) with public access to the website is suspended during the duration of the distributed denial of service attack.

Abstract: A method may include receiving, from a customer device, contextual location information about a customer and an interaction type, determining a location-based recommendation and an urgency level for the customer using the contextual location information, generating a routing protocol for communication with the customer based on the interaction type and the urgency level, and providing a communication to the customer according to the routing protocol, the communication including the location-based recommendation.