Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems, methods and computer program products that enable transactions requested by a user using a trade asset card. The innovation enables the transactions to be completed in real time or near real time per pre-determined rules and settings, or audited changes to rules and settings, while staying perpetually invested in the user's investment portfolio.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of funds transfer authentication. The authentication can include receiving a transfer request to transfer funds from a payer to a payee, the transfer request identifies the payer, the payee, and an amount to transfer. Customer information associated respectively with the payer and the payee is identified. The payer and the payee are authenticated. A communication session is opened between the payer and payee. A time-limited payee OTP is generated and sent to the payee. The payee OTP is received within a first time limit. The funds are transferred from the payer to the payee based on receiving a matching payee OTP.

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 me aspect thereof, comprises systems and methods of funds transfer authentication. The authentication can include receiving a transfer request to transfer funds from a payer to a payee, the transfer request identifies the payer, the payee, and an amount to transfer. Customer information associated respectively with the payer and the payee is identified. The payer and the payee are authenticated. A communication session is opened between the payer and payee. A time-limited payee OTP is generated and sent to the payee. The payee OTP is received within a first time limit. The funds are transferred from the payer to the payee based on receiving a matching payee OTP.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems, methods and computer program products that enable transactions requested by a user using a trade asset card. The innovation enables the transactions to be completed in real time or near real time per pre-determined rules and settings, or audited changes to rules and settings, while staying perpetually invested in the user's investment portfolio.

Abstract: Vehicle transactions can be facilitated based on location. A customer location can be tracked relative to vehicles at a dealer location. A customer in close proximity to a particular vehicle at a dealer location can be detected, and a finance agreement can be generated between a financing party, the customer, and the dealer of the vehicle based on the detection of the customer and the vehicle. Further, a mechanism is provided to aid execution of the finance agreement as a contract between the customer, the financing party, and the dealer to finalize a sale or lease of the vehicle.

Abstract: A method for using an existing credit card of an individual in a foreign country includes receiving a request to allocate an amount of money for use with the credit card in the foreign country. The foreign country in which the individual is to travel is identified. A collaborative bank in the foreign country is identified. The collaborative bank is a financial institution that can implement a virtual account for the individual. A request is sent to the collaborative bank to allocate the amount of money for the virtual account. The credit card is permitted to be used to make purchases in the foreign country using the amount of money allocated to the virtual account.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of funds transfer authentication. The authentication can include receiving a transfer request to transfer funds from a payer to a payee, the transfer request identifies the payer, the payee, and an amount to transfer. Customer information associated respectively with the payer and the payee is identified. The payer and the payee are authenticated. A communication session is opened between the payer and payee. A time-limited payee OTP is generated and sent to the payee. The payee OTP is received within a first time limit. The funds are transferred from the payer to the payee based on receiving a matching payee OTP.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of vehicle based transactions. The innovation associates a tag with a financial account and a vehicle. The financial account is associated with a customer that is associated with the vehicle. The tag is readable to perform associated financial functions. The tag is scanned with a reader. The reader is associated with the entity authorized to make charges to the financial account. Security controls are applied for the tag. The security controls dictate a charge type or authorized creditor for executing transactions. A financial transaction is executed between an entity and the customer using the tag associated with the financial account.

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 platform provides a portal to connect an entrepreneur prospect and a business entity. A profile of the prospect, including prospect data, can be provided and received. From the profile, an entrepreneur score can be determined for the prospect. The entrepreneur score represents a likelihood of future success of the prospect. A loan can be identified for the prospect to complete a business plan provided by the prospect based on the entrepreneur score. Further, training need can be determined for the prospect based on the profile and business plan, and a loan can be established for the prospect based on the training need of the prospect and the entrepreneur score.

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 valuation of safety deposit boxes. The systems and methods provide a portal to digitally access a locker by a user. The systems and methods receive a request to access the locker from the user and authenticate the user to provide access. The systems and methods scan items placed within the locker. The systems and methods evaluate at least one item of the plurality of items placed inside the locker for digitized metrics to determine a valuation for the items in the safe locker. The systems and methods provide a portal for the locker such that an owner of the locker has exclusive access to the plurality of items and the digitized metrics.

Abstract: Purchase assistance is provided to a user based on user device location and direction. Input to a user device, identifying a product or service of interest, can be received. Next, a location of the user device is determined, and one or more providers of the product or service are identified in proximity to the location of the user device. Direction information of the user device is determined by ascertaining a compass orientation of the user device or a direction vector of movement of the user device. Subsequently, providers are identified based on the direction information and presented to a user on a display of the user device. Further, an offer associated with the product or service, such as a finance offer, can be generated and presented with the providers on the display.

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.