Abstract: A system comprising at least one processor; and at least one storage device. The storage device(s) store instructions that, when executed, configure the at least one processor to: receive input, determine, based on the input, a geographical region, a plurality of investment parameters, and an investment goal, determine, based on the plurality of investment parameters and the investment goal, a plurality of investment options for achieving the investment goal, generate a travel map of the geographical region that relates each of the investment options of the plurality of investment options to a corresponding vehicle and a corresponding path from a starting location to a destination location within the geographical region, and output, for display, the travel map.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of automatically routing internet forum users to forums and or other forum users capable of responding to their inquiries. The innovation calls for determining user context, and semantic context, and analyzing both to determine the appropriate forum. Additionally, the innovation may include evaluating other forum users from the chosen forum(s) to determine which particular forum user is best suited to respond the query.

Abstract: A method for authenticating an individual for login to a server computer includes receiving at the server computer data for a first authentication image from an electronic computing device. First attributes are identified of one or more similar geometrical shapes from the data for the first authentication image. A determination is made as to whether the first attributes of the one or more similar geometrical shapes from the data for the first authentication image correspond to second attributes from a second authentication image accessible on or by the server computer. When the first attributes correspond to the second attributes, the individual is authenticated on the server computer.

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: A user device and a server conduct a secure online transaction. The user device transmits received user login and credentials to the server, as well as one or more properties of the user device, such as a list of applications stored on the user device. The server transmits one or more restrictions back to the user device, such as which ports to close, which applications to close, and what features of applications and the operating system should be limited during the transaction. After implementing the restrictions, the user device and the server conduct the online transaction. A unique ID may be transmitted throughout the transaction and the unique ID may be a hash. After the transaction, the user device purges transaction data, restores normal operation, and notifies the server. The transaction may be conducted in a second tunnel and the other communication via a first tunnel.

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: 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 an 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: 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 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.