Abstract: A system may be used by an entity to determine and reduce risks that may result from employees communicating with clients or others using unauthorized communications channels. The system may monitor communications over authorized communication channels or obtain notifications from a monitoring system for explicit or implicit references to the use by employees of unauthorized communications channels. An AI/ML scoring engine may generate a communication-specific risk score that may be used to understand the degree of risk posed by the communication. The scoring engine may also generate an employee specific risk score that accounts for employee specific risk-related factors that may affect the risk associated with the communication. The risk scoring may be used to cause automated risk reduction operations to be performed, such as providing alerts to an employer or employee of risk issues or halting trading or communications by the employee.

Abstract: A method and system are presented for securing a payment initiated by a payee. The method comprises the operations of: a service provider (i) receiving a request from a payee for a payment transaction to be made, the request comprising a payee identifier, payer identifier and transaction amount; (ii) generating a token associated with the request; and (iii) transmitting the token to the payer. The service provider (i) receiving the token and a payer identifier from the payer, (ii) using the token to retrieve details of the request, and (iii) transmitting the payee identifier and transaction amount to the payer for authorization. Upon authorization, the service provider receiving from the payer, identification of a payer payment vehicle to be used for the payment transaction such that the service provider may complete the payment transaction from the payer payment vehicle to a payee payment vehicle.