Abstract: Systems, apparatuses, methods, and computer program products are disclosed for managing data usage. An example method includes monitoring electronic usage of a governed data set in a computing environment, wherein the governed data set comprises a governed business element, and wherein the governed business element comprises a business element and a metadata attribute configured to govern electronic usage of the business element. The example method further includes identifying, via a data compliance bot, transmission of an electronic usage request from a user device, wherein the electronic usage request comprises a request for a user of the user device to electronically use the business element in the computing environment. The example method further includes identifying the metadata attribute based on the business element. Subsequently, the example method includes determining whether electronic use of the business element is allowed.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for managing data usage. An example method includes monitoring electronic usage of a governed data set in a computing environment, wherein the governed data set comprises a governed business element, and wherein the governed business element comprises a business element and a metadata attribute configured to govern electronic usage of the business element. The example method further includes identifying, via a data compliance bot, transmission of an electronic usage request from a user device, wherein the electronic usage request comprises a request for a user of the user device to electronically use the business element in the computing environment. The example method further includes identifying the metadata attribute based on the business element. Subsequently, the example method includes determining whether electronic use of the business element is allowed.

Abstract: Techniques are described for performing secure card not present (CNP) transactions using integrated circuit chip-enabled cards. The techniques include continually or periodically tracking a location of a user's card by a user computing device, e.g., a “smart” phone, and storing a log of datasets relating to the location of the user's card at a server device. Based on the tracking, the user computing device may alert the user via a push notification or other message when the user's card is not within a preset range of the user computing device. In addition, an authentication server determines a location of a purchaser computing device attempting to perform a CNP transaction using the user's card information, and compares the location of the purchaser computing device with a most recent location of the user's card retrieved from the log of datasets to determine whether to approve the CNP transaction.

Abstract: An apparatus, method, and computer program product for generating a unified digital check register are provided. An example method includes receiving, by input/output circuitry, check data and determining, by check evaluation circuitry, whether the received check data corresponds to a digital check or a physical check. In response to determining that the received check data corresponds to a digital check, the method includes generating digital check data based on the received check data. In response to determining that the received check data corresponds to a physical check the method includes generating physical check data based on the received check data. The method further includes inserting, by registry management circuitry, any generated digital check data with any generated physical check data into a unified check dataset, and curating, by the registry management circuitry, a unified digital check register using the unified check dataset.

Abstract: A card may store data on integrated circuits housed within the card. The card includes two short-range antennas and one long-range antenna that are configured to transmit the data. Antennas of the card may be configured to transmit the data in different directions as a result of a signal-blocking layer embedded within the card that isolates respective antennas from electromagnetic signals originating from a direction on the opposing side of the blocking layer. The long-range antenna may be configured to transmit identification data of the user, while the short-range antennas may be configured to transmit financial data related to the user. A system may be configured to instantiate events for the user of the card with the long-range antenna. Events that are instantiated by the long-range antenna may then be executed using the short-range antennas.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for categorizing a data set. An example method includes receiving first electronic information comprising objective indicia of quality associated with the data set and second electronic information comprising subjective indicia of quality associated with the data set. The example method further includes generating third electronic information comprising analytical indicia of quality associated with the data set based on the first electronic information and the second electronic information. The example method further includes generating a data quality rating for the data set based on the first electronic information, the second electronic information, and the third electronic information. Subsequently, the example method includes generating a data quality categorization for the data set based on the data quality rating.

Abstract: A computer system is described that is configured to enable customers of an organization to self-monitor account activity and modify account access settings via a contact center of the organization. The contact center control system is configured to provide an interactive call history associated with the customer's accounts with the organization. Using the call history, the customer may perform self-monitoring of calls into the contact center that access the customer's accounts, and notify the organization if any of the calls appear suspicious. The contact center control system is configured provide a user interface through which the customer may modify account access settings including changing which types of authentication methods are enabled to access the customer's accounts, and blocking account access by callers from certain phone numbers. The contact center control system may allow the customer to turn off all access to the customer's accounts via the contact center.

Abstract: An apparatus, method, and computer program product for generating a unified digital check register are provided. An example method includes receiving, by input/output circuitry, check data and determining, by check evaluation circuitry, whether the received check data corresponds to a digital check or a physical check. In response to determining that the received check data corresponds to a digital check, the method includes generating digital check data based on the received check data. In response to determining that the received check data corresponds to a physical check the method includes generating physical check data based on the received check data. The method further includes inserting, by registry management circuitry, any generated digital check data with any generated physical check data into a unified check dataset, and curating, by the registry management circuitry, a unified digital check register using the unified check dataset.

Abstract: A call screening computing system is described that is configured to perform voice captcha and real-time monitoring of calls into a contact center of an organization. The call screening computing system includes a chat bot configured to operate as an AI-based call screener. The chat bot is configured to perform voice captcha by sending a random question to a user device placing a call into the contact center, and analyzing the received answer to determine whether a user of the user device is human or a robot. The chat bot is configured to, based on the user being human, determine whether the user is a legitimate customer of the organization by generating and presenting authentication challenges to the user device. The chat bot may be configured to monitor and interact with a conversation between the user and an agent of the organization during the call into the contact center.

Abstract: Techniques are described for performing secure card not present (CNP) transactions using integrated circuit chip-enabled cards. The techniques include continually or periodically tracking a location of a user's card by a user computing device, e.g., a “smart” phone, and storing a log of datasets relating to the location of the user's card at a server device. Based on the tracking, the user computing device may alert the user via a push notification or other message when the user's card is not within a preset range of the user computing device. In addition, an authentication server determines a location of a purchaser computing device attempting to perform a CNP transaction using the user's card information, and compares the location of the purchaser computing device with a most recent location of the user's card retrieved from the log of datasets to determine whether to approve the CNP transaction.

Abstract: A card may store data on integrated circuits housed within the card. The card includes two short-range antennas and one long-range antenna that are configured to transmit the data. Antennas of the card may be configured to transmit the data in different directions as a result of a signal-blocking layer embedded within the card that isolates respective antennas from electromagnetic signals originating from a direction on the opposing side of the blocking layer. The long-range antenna may be configured to transmit identification data of the user, while the short-range antennas may be configured to transmit financial data related to the user. A system may be configured to instantiate events for the user of the card with the long-range antenna. Events that are instantiated by the long-range antenna may then be executed using the short-range antennas.

Abstract: A system and method for presenting location-based augmented reality road signs on or within a vehicle includes a database, a plurality of transmitters, and a plurality of vehicle integrated receivers. The database is held in a computer network accessible location and stores a plurality of datasets. The plurality of transmitters are connected to the database through the computer network and broadcast area-relevant datasets from the database wirelessly in a defined geographic coverage area. The plurality of vehicle integrated receivers are operative to receive area-relevant datasets and use the information therein to determine when a particular road sign is required and then generate a standardized road sign image for the required road sign and display the image on or in the vehicle as an augmented reality projection.

Abstract: A card may store data on integrated circuits housed within the card. The card includes two short-range antennas and one long-range antenna that are configured to transmit the data. Antennas of the card may be configured to transmit the data in different directions as a result of a signal-blocking layer embedded within the card that isolates respective antennas from electromagnetic signals originating from a direction on the opposing side of the blocking layer. The long-range antenna may be configured to transmit identification data of the user, while the short-range antennas may be configured to transmit financial data related to the user. A system may be configured to instantiate events for the user of the card with the long-range antenna. Events that are instantiated by the long-range antenna may then be executed using the short-range antennas.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for categorizing a data set. An example method includes receiving first electronic information comprising objective indicia of quality associated with the data set and second electronic information comprising subjective indicia of quality associated with the data set. The example method further includes generating third electronic information comprising analytical indicia of quality associated with the data set based on the first electronic information and the second electronic information. The example method further includes generating a data quality rating for the data set based on the first electronic information, the second electronic information, and the third electronic information. Subsequently, the example method includes generating a data quality categorization for the data set based on the data quality rating.

Abstract: The innovation discloses systems and methods of mirroring a User Interface (UI) of an Automatic Teller Machine (ATM) on a Display screen in a Vehicle (DIV) or mobile Device in Vehicle (DIV) of an occupant of a vehicle which stops in close proximity to the ATM for a financial transaction. The innovation can employ an App (or application) installed in the DIV, smart software installed in the ATM, and Service Support Servers (SSS) in a cloud or bank network. A Device Management Server (DMS) manages the SSS and acts as a gateway between the ATM and SSS. A multi-level (e.g., three level) authentication/authorization can be employed whereby 1) the DIV and ATM are verified and connected to a secure network, 2) the user is verified, and 3) the dispersal of funds into the cabin of the vehicle is authorized.

Abstract: This disclosure describes techniques for identifying and reconnecting systems, including financial service systems, to a network during or after an outage in which systems have been disconnected from one or more networks. In one example, this disclosure describes a method that includes navigating a vehicle, by a computing system of the vehicle, to a location near an area in which one or more financial service systems have been disconnected from a network; identifying, by the computing system of the vehicle and based on a wireless signal detected by the vehicle, a financial service system that is within the area and that has been disconnected from the network, wherein the financial service system is one of the one or more financial service systems; and transferring, by the computing system of the vehicle, information between the financial service system and a banking computing system to thereby enable performance of a financial transaction.

Abstract: A method of presenting an accessible user interface relating to one or more account access functions of an automatic teller machine (ATM) by a user computing device is described. The accessible user interface presented by the user computing device for the one or more account access functions of the ATM is different than a user interface presented by the ATM for the same one or more account access functions of the ATM. The method includes receiving data representative of the accessible user interface, presenting the accessible user interface of the ATM, receiving account credentials for a user of the user computing device, authenticating the user of the user computing device based on the account credentials, receiving a selection of an account access function of the one or more account access functions of the ATM, and performing the selected account access function.

Abstract: Techniques are described for performing forensic assisting and tracing of transaction data from an automated teller machine (ATM) to detect suspicious activity and potential security threats. The techniques include a forensic assisting and tracing (FAST) ATM configured to intercept data packets including transaction data generated by the ATM; map, store, and index the transaction data; and analyze metadata for the transaction data to generate reports on the operation of the ATM for a higher-level hub server. In some examples, a plurality of FAST ATMs may be networked to the hub server such that the hub server receives reports from each of the individual FAST ATMs and analyzes the reports to identify larger, global trends of suspicious activity and potential security threats.

Abstract: A computer system is described that is configured to generate an entry in a centralized event log for each voice call into a contact center of an organization. The event log system is configured to receive call data associated with action performed during the call and retrieve context data associated with the call from across a plurality of disparate systems used by the contact center to service the call. The event log system is configured to include both the call data and the context data in the call entry, and to correlate the call entry with previous call entries for a same entity identified for the call. The call entry may also include entity profile data as metadata. The pertinent data for the call will be stored in a single, centralized location accessible by any of the front-end systems for use in determining how to handle the call.

Abstract: A computer system is described that is configured to generate an entry in a centralized event log for each voice call into a contact center of an organization. The event log system is configured to receive call data associated with action performed during the call and retrieve context data associated with the call from across a plurality of disparate systems used by the contact center to service the call. The event log system is configured to include both the call data and the context data in the call entry, and to correlate the call entry with previous call entries for a same entity identified for the call. The call entry may also include entity profile data as metadata. The pertinent data for the call will be stored in a single, centralized location accessible by any of the front-end systems for use in determining how to handle the call.