Abstract: Embodiments of the disclosure provide a method of establishing a user profile using multiple channels. Embodiments allow compatibility of the user profile across several authentication systems. The user profile is created upon registration and is updated with attributes after authenticating and authorizing the user according to a pre-defined assurance level. The user profile contains attributes pertaining to the user and user device. The attributes can be analyzed by authentication systems to optimize data security.

Abstract: Embodiments of the disclosure provide a method of establishing a user profile using multiple channels. Embodiments allow compatibility of the user profile across several authentication systems. The user profile is created upon registration and is updated with attributes after authenticating and authorizing the user according to a pre-defined assurance level. The user profile contains attributes pertaining to the user and user device. The attributes can be analyzed by authentication systems to optimize data security.

Abstract: Embodiments of the disclosure provide a method of incorporating multiple authentication systems and protocols. The types of authentication systems and protocols can vary based on desired assurance levels. A Centralized Authentication System together with an authentication policy dictates acceptable authentication systems. Authorization data for each authorization system are captured and packaged into a single Object Data Structure. The authorization data can be compared to data stored in an identity store for authentication. The authorization data can also be used for user and device registration and for transferring an authentication or registration token from a previously authenticated and registered device to a new device.

Abstract: Embodiments of the disclosure provide a method of establishing a user profile using multiple channels. Embodiments allow compatibility of the user profile across several authentication systems. The user profile is created upon registration and is updated with attributes after authenticating and authorizing the user according to a pre-defined assurance level. The user profile contains attributes pertaining to the user and user device. The attributes can be analyzed by authentication systems to optimize data security.

Abstract: Embodiments of the disclosure provide a method of establishing a user profile using multiple channels. Embodiments allow compatibility of the user profile across several authentication systems. The user profile is created upon registration and is updated with attributes after authenticating and authorizing the user according to a pre-defined assurance level. The user profile contains attributes pertaining to the user and user device. The attributes can be analyzed by authentication systems to optimize data security.

Abstract: Embodiments of the disclosure provide a method of incorporating multiple authentication systems and protocols. The types of authentication systems and protocols can vary based on desired assurance levels. A Centralized Authentication System together with an authentication policy dictates acceptable authentication systems. Authorization data for each authorization system are captured and packaged into a single Object Data Structure. The authorization data can be compared to data stored in an identity store for authentication. The authorization data can also be used for user and device registration and for transferring an authentication or registration token from a previously authenticated and registered device to a new device.

Abstract: In certain embodiments, a system receives a first request from a user to perform a function with an enterprise. The system communicates a second request for the user to provide a thought to facilitate authenticating the user with the enterprise. The system receives a string of characters corresponding to the thought. The string may be generated based at least in part upon electromagnetic signals, which the user generates by developing the thought. The system compares the received string to a stored string that corresponds to a thought of the user to authenticate the user. Based at least in part upon the comparison, the system determines whether the user is authenticated to perform the function.

Abstract: In certain embodiments, a system communicates a request for a user to provide a thought to facilitate generating a cryptographic key pair. The system receives a string of characters corresponding to the thought. The string of characters may be generated based at least in part upon electromagnetic signals, which the user generates by developing the thought. The system generates a cryptographic key pair based at least in part upon the string of characters. The generated cryptographic key pair may be configured to encrypt and decrypt messages.

Abstract: In certain embodiments, a system communicates a request for a user to provide a thought to facilitate generating a cryptographic key pair. The system receives a string of characters corresponding to the thought. The string of characters may be generated based at least in part upon electromagnetic signals, which the user generates by developing the thought. The system generates a cryptographic key pair based at least in part upon the string of characters. The generated cryptographic key pair may be configured to encrypt and decrypt messages.

Abstract: In certain embodiments, a system receives a first request from a user to perform a function with an enterprise. The system communicates a second request for the user to provide a thought to facilitate authenticating the user with the enterprise. The system receives a string of characters corresponding to the thought. The string may be generated based at least in part upon electromagnetic signals, which the user generates by developing the thought. The system compares the received string to a stored string that corresponds to a thought of the user to authenticate the user. Based at least in part upon the comparison, the system determines whether the user is authenticated to perform the function.

Abstract: Methods, computer readable media, and apparatuses for processing financial documents are presented. Image data associated with a first financial document, such as a check to be deposited, may be received. A first multivariate vector may be determined based on the received image data, and the first multivariate vector may include a plurality of vector components. Each vector component may represent a distance from an edge of the first financial document to a feature of the first financial document, and each vector component may be a ratio of distances. The determined first multivariate vector may be compared with a second multivariate vector associated with a second financial document. Based on the comparing, a confidence score for the first financial document may be determined. A transaction involving the first financial document may be authorized in response to the confidence score exceeding a threshold.

Abstract: Methods, computer readable media, and apparatuses for processing financial documents are presented. Image data associated with a first financial document, such as a check to be deposited, may be received. A first multivariate vector may be determined based on the received image data, and the first multivariate vector may include a plurality of vector components. Each vector component may represent a distance from an edge of the first financial document to a feature of the first financial document, and each vector component may be a ratio of distances. The determined first multivariate vector may be compared with a second multivariate vector associated with a second financial document. Based on the comparing, a confidence score for the first financial document may be determined. A transaction involving the first financial document may be authorized in response to the confidence score exceeding a threshold.

Abstract: Embodiments of the invention relate to apparatuses and methods for providing targeted product offers to customers. For example, in one embodiment, a first entity sends a targeted offer to certain customers. The first entity uses a second entity to perform a service related to the offer, such as an enrollment service. The first entity sends a candidate file to the second entity, where the candidate file includes a list of customers that qualify for the offer. The first entity authenticates the customer and, when the customer expresses interest in the targeted offer, the first entity forwards the customer to the second entity along with customer identifying information so that the second entity can perform the related service. The second entity then verifies whether the transferred customer qualifies for the offer by comparing the customer information to the candidate file. If verified, the second entity can perform the service related to the offer for the customer.