Abstract: Provided herein is a method for verifying the identity and location of a putative user of a mobile computing device, including the steps of: photographing the user or a portion thereof with a first camera to generate a user image; photographing the environment with a second camera to generate an environmental image; transmitting the images to a remote receiver device associated with a remote processor; extracting a unit of image biometric information from the user image; comparing the unit of image biometric information to a stored unit of biometric information associated with the putative user's identity in a database of biometric information; and comparing the environmental image with a location image database, where the location image database includes images of known location.

Abstract: Systems and methods for authentication may be provided. Systems may include a shell application. The shell application may operate on a mobile device. The shell application may use an authentication protocol to authenticate a user. The shell application may display, to the authenticated user, a plurality of mobile application icons. The shell application may receive a user indication of a desired mobile application. The shell application may port the user from the shell application into the selected mobile application. The shell application may launch and stream the selected mobile application from a cloud location into the shell application. The shell application may enable the user to directly interact with the selected mobile application without the need for further authentication or downloading.

Abstract: Apparatus and methods for dual authentication through a mobile device are provided. The apparatus and methods may include a device with two or more authentication sensors and a dual-authentication engine. When a request to authenticate a user is received, the user may use two or more of the authentication sensors within a short pre-determined time period. The results of the user's use of the sensors may be analyzed by the dual-authentication engine. When the results satisfy one or more authentication criteria, the dual-authentication engine may authenticate the user.

Abstract: Provided herein is a system for improved access by a user of mobile computing device to a plurality of remotely stored programs. The system may include a mobile computing device. The system may also include a mobile application. The mobile application may be installed on the mobile computing device. The system may also include a remote server. The server may house the remotely stored programs and shared application data associated with the programs. The data may optionally be stored on a separate content provider component. The mobile application may be configured to display one or more links to access each of the programs. Upon selecting the link(s), the mobile application may access dynamic content of the remote server on the mobile computing device. The mobile application may be configured to display the shared application data via an application-like interface.

Abstract: Apparatus and methods for proactively and preemptively communicating with a user interacting with a software application are provided. The apparatus and methods may include an artificial intelligence/machine learning communication engine monitoring and tracking a user's interactions. The apparatus and methods may include the communication engine determining if the user requires further training, if the interaction is fraudulent, and pre-empting requests for information the user may commence. The apparatus and methods may include the communication engine creating and displaying training materials for the user to complete, revoking access if fraud is present, and proactively providing information before the user requests the information.

Abstract: A method for pre-authenticating a user into a secure session on an entity application running on a second computing device leveraging a first computing device of the user as an authenticator may be provided. The method may include generating at the first computing device a dynamic QR code in response to receipt of a request to generate the dynamic QR code and further capturing, by the second computing device, the dynamic QR code from the first computing device. The method may further include storing, but not parsing, the dynamic QR code at the second computing device. Wherein at a time of a retrieval of the dynamic QR code from the second computing device, the method may include parsing the dynamic QR code and accessing a short URL that may either redirect the web browser to an authentication webpage thereby authenticating the secure session, or a denial webpage.

Abstract: Provided herein is a system for improved access by a user of mobile computing device to a plurality of remotely stored programs. The system may include a mobile computing device. The system may also include a mobile application. The mobile application may be installed on the mobile computing device. The system may also include a remote server. The server may house the remotely stored programs and shared application data associated with the programs. The data may optionally be stored on a separate content provider component. The mobile application may be configured to display one or more links to access each of the programs. Upon selecting the link(s), the mobile application may access dynamic content of the remote server on the mobile computing device. The mobile application may be configured to display the shared application data via an application-like interface.

Abstract: Apparatus and methods for proactively and preemptively communicating with a user interacting with a software application are provided. The apparatus and methods may include an artificial intelligence/machine learning communication engine monitoring and tracking a user's interactions. The apparatus and methods may include the communication engine determining if the user requires further training, if the interaction is fraudulent, and pre-empting requests for information the user may commence. The apparatus and methods may include the communication engine creating and displaying training materials for the user to complete, revoking access if fraud is present, and proactively providing information before the user requests the information.

Abstract: A method for authenticating a user into a session on an entity application running on a computing device is provided. The method may include using a mobile device of the user as an authenticator. The method may include capturing by the mobile device, a dynamic quick response (“QR”) code displayed on the computing device. The method may include transmitting the dynamic QR code, pre-authorized user credentials and a facial image of the user captured within a pre-determined time to a central server for authentication. The transmitting may be for verifying the user of the computing device being the user of the mobile device. In response to the verifying, via the central server, the dynamic QR code, the pre-authorized user credentials and the facial image, authenticating the user into the session on the entity application on the computing device.

Abstract: Systems and Method are provided for transferring authentication from an extended reality (“XR”) device. The systems and method may include the XR device comprising a sensor, and a computing device in electronic communication with the sensor. The sensor may collect biometric information from a user. The computing device may assign a first authentication level based on the biometric information. The user may be prompted to sign or virtually sign a document. The sensor may record a video recording of the user signing the document. The computing device may create a digital file from the video recording and a token indicating the first authentication level and the biometric information. The computing device may embed the token into the digital file. The digital file with the embedded token may be transferred to a second party.

Abstract: Systems for using bifurcated non-fungible tokens for transaction approval are provided. Systems may include a blockchain, a memory and a processor. The processor may, in a pre-approval stage: mint an identity block for each approver included in a plurality of approvers, upload each identity block to the blockchain and assign a non-fungible token to each approver. The processor may, in an approval stage: receive a file for approval; label the file with a file identifier; identify a subset of approvers for file approval; mint an approval block including the file identifier and an entry slot for each non-fungible token associated with each approver included include in the subset; initiate an approval process by the subset of approvers; receive the non-fungible token that identifies the approver; place each received token within an entry slot of the approval block; upload the approval block to a blockchain; validate the approval block and close the approval block.

Abstract: Apparatus and methods for continuous real-time authentication are provided. The apparatus and methods may include using a biometric sensor on an Internet-of-things (“IoT”) device to measure a biometric attribute of a user. The measured biometric attribute may be transmitted to a server to compare to a stored biometric attribute and authenticate the user. The IoT device may continue to measure the biometric attribute of the user at a pre-determined interval. Each measurement may be used to authenticate the user. This continuous authentication process may take place without the user's conscious interaction with the IoT device. The apparatus and methods may include using the continuous authentication to process and approve a transaction the user requests.

Abstract: A system that dynamically adjusts an operation of software running on a first mobile device is provided. The system may include an application. The system may include an authentication module configured to authorize a user's login credentials, capture a biometric characteristic of the user, and authenticate the captured biometric characteristic based on a comparison to a stored biometric characteristic. The system may also include a tracking module configured to track a location of each of the plurality of mobile devices and based on the location, determine a number of mobile devices within a pre-determined range to the first mobile device. The system may include a throttling module configured to adjust the operation of the application based on the number of mobile devices, the adjusting including at least one of operating the application in read-only mode, partial-access mode and full-access mode and re-adjusting when a change in location is detected.

Abstract: Apparatus and methods content-based biometric authentication are provided. The apparatus and methods may include multiple biometric sensors and an authentication engine that decides which sensor(s) to use through a context-based analysis. The apparatus and methods may include requesting authentication, analyzing the request to determine which sensor(s) is appropriate, prompting a user to use the sensor(s) and comparing the data received with data stored in a database to provide authentication.

Abstract: Systems for using bifurcated non-fungible tokens for transaction approval are provided. Systems may include a blockchain, a memory and a processor. The processor may, in a pre-approval stage: mint an identity block for each approver included in a plurality of approvers, upload each identity block to the blockchain and assign a non-fungible token to each approver. The processor may, in an approval stage: receive a file for approval; label the file with a file identifier; identify a subset of approvers for file approval; mint an approval block including the file identifier and an entry slot for each non-fungible token associated with each approver included include in the subset; initiate an approval process by the subset of approvers; receive the non-fungible token that identifies the approver; place each received token within an entry slot of the approval block; upload the approval block to a blockchain; validate the approval block and close the approval block.

Abstract: A computer program product and method for a user to obtain an authentication to an account with a first user device and transfer the obtained authentication to a second user device. The first user device may be a wearable device, such as an XR device like smart glasses, and the second user device may be a smart card, or vice versa. The authentication transfer may enable both devices to be used by the user to access the same account simultaneously. The authentication transfer may also enable the transfer of a stronger authentication that may be obtained on a first user device (e.g., biometric indicia) to a second user device that does not have a capability to obtain the stronger authentication. This may provide the second user device with account access that may otherwise not be available to the second user device or to greater access to the account.

Abstract: Apparatus and methods for dual authentication through a mobile device are provided. The apparatus and methods may include a device with two or more authentication sensors and a dual-authentication engine. When a request to authenticate a user is received, the user may use two or more of the authentication sensors within a short pre-determined time period. The results of the user's use of the sensors may be analyzed by the dual-authentication engine. When the results satisfy one or more authentication criteria, the dual-authentication engine may authenticate the user.

Abstract: Provided herein is a system for improved access by a user of mobile computing device to a plurality of remotely stored programs. The system may include a mobile computing device. The system may also include a mobile application. The mobile application may be installed on the mobile computing device. The system may also include a remote server. The server may house the remotely stored programs and shared application data associated with the programs. The data may optionally be stored on a separate content provider component. The mobile application may be configured to display one or more links to access each of the programs. Upon selecting the link(s), the mobile application may access dynamic content of the remote server on the mobile computing device. The mobile application may be configured to display the shared application data via an application-like interface.

Abstract: Systems and Method are provided for transferring authentication from an extended reality (“XR”) device. The systems and method may include the XR device comprising a sensor, and a computing device in electronic communication with the sensor. The sensor may collect biometric information from a user. The computing device may assign a first authentication level based on the biometric information. The user may be prompted to sign or virtually sign a document. The sensor may record a video recording of the user signing the document. The computing device may create a digital file from the video recording and a token indicating the first authentication level and the biometric information. The computing device may embed the token into the digital file. The digital file with the embedded token may be transferred to a second party.

Abstract: Systems and methods for authentication may be provided. Systems may include a shell application. The shell application may operate on a mobile device. The shell application may use an authentication protocol to authenticate a user. The shell application may display, to the authenticated user, a plurality of mobile application icons. The shell application may receive a user indication of a desired mobile application. The shell application may port the user from the shell application into the selected mobile application. The shell application may launch and stream the selected mobile application from a cloud location into the shell application. The shell application may enable the user to directly interact with the selected mobile application without the need for further authentication or downloading.