Abstract: One-time password (“OTP”) generation on a smartwatch is provided. OTP generation may include communication between an application on a smartwatch and an application on a smartphone. The request for an OTP may be received at the smartwatch. The smartwatch application may communicate with the smartphone application. An OTP may be generated within a third-party library within the smartphone application. The generated OTP may be transmitted from the smartphone application to the smartwatch application. The OTP may be displayed on the smartwatch.

Abstract: An actionable alert platform is provided. The platform may utilize artificial intelligence (“AI”) to formulate alert triggers that inform a user regarding unusual activity associated with a target transaction. The platform allows a user to enter customized criteria for an alert trigger and actionable responses for remediating the detected alert trigger. In response to detecting an alert trigger, the platform may formulate and transmit push notifications to a mobile device of user. The user may implement the actionable response directly from within the push notification. The platform may also provide push notifications to the user that advise on a status of the target transaction after applying the actionable response. An AI engine may generate additional alert triggers based on the criteria entered by the user. The AI engine may generate the actionable responses for any alert trigger.

Abstract: A system for utilizing a mobile device as a computer authenticator is provided. The system may include a computing application executing on a computing apparatus. The system may include a secure backend server. The secure backend server may include a list of user identifiers, token serial numbers, device registration numbers and computing device identifiers. A pre-registration process may be used to embed a mobile token on a mobile device. A registration process may be used to pair the mobile device to the computing device. An in-use process may be used to authenticate the computing application using the mobile device.

Abstract: One-time password (“OTP”) generation on a smartwatch is provided. OTP generation may include communication between an application on a smartwatch and an application on a smartphone. The request for an OTP may be received at the smartwatch. The smartwatch application may communicate with the smartphone application. An OTP may be generated within a third-party library within the smartphone application. The generated OTP may be transmitted from the smartphone application to the smartwatch application. The OTP may be displayed on the smartwatch.

Abstract: One-time password (“OTP”) generation on a smartwatch is provided. OTP generation may include communication between an application on a smartwatch and an application on a smartphone. The request for an OTP may be received at the smartwatch. The smartwatch application may communicate with the smartphone application. An OTP may be generated within a third-party library within the smartphone application. The generated OTP may be transmitted from the smartphone application to the smartwatch application. The OTP may be displayed on the smartwatch.

Abstract: A system for utilizing a mobile device as a computer authenticator is provided. The system may include a computing application executing on a computing apparatus. The system may include a secure backend server. The secure backend server may include a list of user identifiers, token serial numbers, device registration numbers and computing device identifiers. A pre-registration process may be used to embed a mobile token on a mobile device. A registration process may be used to pair the mobile device to the computing device. An in-use process may be used to authenticate the computing application using the mobile device.

Abstract: One-time password (“OTP”) generation on a smartwatch is provided. OTP generation may include communication between an application on a smartwatch and an application on a smartphone. The request for an OTP may be received at the smartwatch. A biometric identifier may also be received at the smartwatch. The smartwatch application may communicate with the smartphone application. An OTP may be generated within a third-party library within the smartphone application. The generated OTP may be transmitted from the smartphone application to the smartwatch application. The OTP may be displayed on the smartwatch.

Abstract: A system for utilizing a mobile device as a computer authenticator is provided. The system may include a computing application executing on a computing apparatus. The system may include a secure backend server. The secure backend server may include a list of user identifiers, token serial numbers, device registration numbers and computing device identifiers. A pre-registration process may be used to embed a mobile token on a mobile device. A registration process may be used to pair the mobile device to the computing device. An in-use process may be used to authenticate the computing application using the mobile device.

Abstract: A system for utilizing a mobile device as a computer authenticator is provided. The system may include a computing application executing on a computing apparatus. The system may include a secure backend server. The secure backend server may include a list of user identifiers, token serial numbers, device registration numbers and computing device identifiers. A pre-registration process may be used to embed a mobile token on a mobile device. A registration process may be used to pair the mobile device to the computing device. An in-use process may be used to authenticate the computing application using the mobile device.

Abstract: An actionable alert platform is provided. The platform may utilize artificial intelligence (“AI”) to formulate alert triggers that inform a user regarding unusual activity associated with a target transaction. The platform allows a user to enter customized criteria for an alert trigger and actionable responses for remediating the detected alert trigger. In response to detecting an alert trigger, the platform may formulate and transmit push notifications to a mobile device of user. The user may implement the actionable response directly from within the push notification. The platform may also provide push notifications to the user that advise on a status of the target transaction after applying the actionable response. An AI engine may generate additional alert triggers based on the criteria entered by the user. The AI engine may generate the actionable responses for any alert trigger.

Abstract: One-time password (“OTP”) generation on a smartwatch is provided. OTP generation may include communication between an application on a smartwatch and an application on a smartphone. The request for an OTP may be received at the smartwatch. A biometric identifier may also be received at the smartwatch. The smartwatch application may communicate with the smartphone application. An OTP may be generated within a third-party library within the smartphone application. The generated OTP may be transmitted from the smartphone application to the smartwatch application. The OTP may be displayed on the smartwatch.

Abstract: Apparatus and methods for generating secure electronic document authentication are provided. Authentication may include formulating “electronic signatures” or any other validation of electronic information. Apparatus and methods may include capturing a target biometric feature to authenticate the electronic information. The target biometric feature may include a combination or sequence of biometric features. In some embodiments, the target biometric feature may be captured without specially prompting a user to submit a biometric feature. A captured target biometric feature may be augmented by generation of a one-time-password using a token stored locally on a mobile device. Authentication processes described herein provide more secure, accurate authentication for electronic information.

Abstract: A secure storage apparatus on a mobile device for securing user-access to a mobile application is provided. The secure storage may include, an electronic representation of a mobile token pin selected and inputted when authenticating a user for a first time and an OTP seed, stored in the secure storage. The secure storage may be a secure portion of memory on the mobile device only accessible and visible to the mobile application upon receipt of the mobile token pin. When the mobile token pin is inputted into the mobile application on the mobile device, the mobile application may be configured to transmit the mobile token pin to an authentication server for verification. In response to the verification, the OTP seed may be released from the secure storage and activate an OTP application associated with the mobile application to generate, transparent to the user, an OTP.

Abstract: One-time password (“OTP”) generation on a smartwatch is provided. OTP generation may include communication between an application on a smartwatch and an application on a smartphone. The request for an OTP may be received at the smartwatch. The smartwatch application may communicate with the smartphone application. An OTP may be generated within a third-party library within the smartphone application. The generated OTP may be transmitted from the smartphone application to the smartwatch application. The OTP may be displayed on the smartwatch.

Abstract: Aspects of the disclosure relate to computer applications for collating scattered signals in a computer system. The computer system may include a processor, memory, display, and a plurality of applications. The plurality of applications may include a central application and a plurality of peripheral applications. The peripheral applications may generate signals. The central application may access the signals generated by the peripheral applications. The central application may collate the signals and store the collated signals. The central application may present the collated signals on the display. The collated signals may be actionable in the central application. Actions performed in response to the collated signals in the central application may be conveyed to the peripheral application from where the collated signal originated.

Abstract: Apparatus and methods for supporting a mobile check deposit of a check into a bank account, the check having a first value, the first value being in a first currency, the bank account holding funds having a second currency. The system architecture may include one or more of a mobile phone platform, a shadow account creator module, a mobile check deposit host and/or a shadow account module. The mobile phone platform may provide a user with a selectable display including a plurality of bank accounts in which the check may be deposited, the plurality of bank accounts including the bank account. The shadow account creator may store funds having the first value or a second value, in the second currency, until the check has been cleared by a clearinghouse and/or honored by a drawing bank.

Abstract: A secure storage apparatus on a mobile device for securing user-access to a mobile application is provided. The secure storage may include, an electronic representation of a mobile token pin selected and inputted when authenticating a user for a first time and an OTP seed, stored in the secure storage. The secure storage may be a secure portion of memory on the mobile device only accessible and visible to the mobile application upon receipt of the mobile token pin. When the mobile token pin is inputted into the mobile application on the mobile device, the mobile application may be configured to transmit the mobile token pin to an authentication server for verification. In response to the verification, the OTP seed may be released from the secure storage and activate an OTP application associated with the mobile application to generate, transparent to the user, an OTP.

Abstract: Apparatus and methods for supporting a mobile check deposit of a check into a bank account, the check having a first value, the first value being in a first currency, the bank account holding funds having a second currency. The system architecture may include one or more of a mobile phone platform, a shadow account creator module, a mobile check deposit host and/or a shadow account module. The mobile phone platform may provide a user with a selectable display including a plurality of bank accounts in which the check may be deposited, the plurality of bank accounts including the bank account. The shadow account creator may store funds having the first value or a second value, in the second currency, until the check has been cleared by a clearinghouse and/or honored by a drawing bank.

Abstract: Aspects of the disclosure relate to computer applications for collating scattered signals in a computer system. The computer system may include a processor, memory, display, and a plurality of applications. The plurality of applications may include a central application and a plurality of peripheral applications. The peripheral applications may generate signals. The central application may access the signals generated by the peripheral applications. The central application may collate the signals and store the collated signals. The central application may present the collated signals on the display. The collated signals may be actionable in the central application. Actions performed in response to the collated signals in the central application may be conveyed to the peripheral application from where the collated signal originated.

Abstract: Apparatus and methods for supporting a mobile check deposit of a check into a bank account, the check having a first value, the first value being in a first currency, the bank account holding funds having a second currency. The system architecture may include one or more of a mobile phone platform, a shadow account creator module, a mobile check deposit host and/or a shadow account module. The mobile phone platform may provide a user with a selectable display including a plurality of bank accounts in which the check may be deposited, the plurality of bank accounts including the bank account. The shadow account creator may store funds having the first value or a second value, in the second currency, until the check has been cleared by a clearinghouse and/or honored by a drawing bank.