Abstract: A provider computing system can include at least one processing circuit having at least one processor coupled to at least one memory device. The at least one memory device can store instructions thereon that, when executed by the at least one processor, cause the at least one processing circuit to detect initiation of a session to access an account by a user device of a user, detect correlations between an event and one or more previous occurrences of one or more events similar to the event, generate a plurality of actions to address the event, transmit one or more signals to cause the user device to display a user interface including selectable elements to indicate the plurality of actions, receive an indication of a selection of a selectable element of the selectable elements, and implement an action to address the event.

Abstract: A provider computing system includes a processing circuit having at least one processor coupled to at least one memory device and at least one artificial intelligence (AI) system. The processing circuit performs operations including retrieving first data from one or more data sources associated with a user; generating a model associated with the user based on the first data; and receiving, from a client computing device of the user, a query for information relating to a primary topic. The at least one AI system is configured to perform operations including generating a user knowledge dataset relating to the primary topic; determining one or more prompts according to the user knowledge dataset; presenting, via the client computing device, the one or more prompts to the user; and receiving, via the client computing device, a response to the one or more prompts from the user.

Abstract: A system includes at least one processing circuit including at least one memory storing instructions therein that are executable by one or more processors to: obtain, via a first user interface, a query associated with a profile of a user, the first user interface configured to present an output corresponding to a first format; generate, based on the query and first data corresponding to the profile of the user, second data as a response to the query; select, according to a determination that a structure of the second data satisfies a heuristic corresponding to a second format, a second user interface configured to present an output corresponding to the selected second format; and cause the second user interface to present an output in the selected second format corresponding to at least a portion of the second data.

Abstract: Systems and methods for providing notifications regarding a shared account may include a computing system which receives a request to form a shared account. The computing system may generate the shared account and a corresponding first model, transmit one or more messages, generate links between accounts and the shared account and second model(s) corresponding to second member(s). The computing system may receive a first input indicating a selection to initiate an inbound transfer, transmit a notification according to the first and second model(s), and receive a second input indicating a selection to initiate a matching inbound transfer.

Abstract: A computer-implemented method includes: generating a GUI including a first button selectable to register identity information and a second button selectable to request identity information; receiving, in response to the first button being selected, pieces of identity information regarding a customer; receiving a preference for each piece of identity information from the customer that governs distribution of identity information to requesting parties; generating a customer-specific key; provisioning the key to an identification chip of a customer computing device; transmitting the graphical user interface to a computing device of a requesting party other than the customer; receiving, in response to the second button being selected, the key, a request for identity information, and an identity of the requesting party; identifying the customer based on the key; determining that a preference for the requested piece of identity information is met; and providing the requested piece of identity information to the req

Abstract: Systems and methods for shared accounts may include a computing system which receives a request to form a shared account. The computing system may generate the shared account, transmit message(s) to second user device(s), generate link(s) between second accounts and the shared account, and establish a value associated with the shared account. The computing system may receive a selection to initiate a transfer, detect that the value satisfies a threshold criteria, identify an eligible member, and initiate a transfer based on a response from the eligible member.

Abstract: An example method includes receiving, by a computing system, from an aggregator computing system, an access request of an account at a financial institution, the access request including a user identifier associated with a user of the account and encrypted authentication information; decrypting, by the computing system, the encrypted authentication information; matching, by the computing system, the decrypted authentication information against stored authentication information associated with the user identifier of the user; and providing, by the computing system, an authentication decision to the aggregator computing system, the authentication decision enabling the aggregator computing system to access and display information of the account to the user.

Abstract: Methods, systems, and apparatuses for audience metric determination are described herein. An audience segment may be targeted for delivery of content. A clustering algorithm may be used to categorize a quantity of users or devices into subsets based on a propensity to consume, present or output a particular type of content, and a quantity of time to output the particular type of content. A weight may be assigned to each subset based on its relevance to other subsets, such as based on data variance, e.g., on a distance to a midpoint of a specific subset of the subsets. An index parameter may be determined for the datasets, e.g., based on each weight for each subset, and data may be generated that reflects a ranking of content delivery spots for delivery of content to the audience segment.

Abstract: An example method includes receiving an encrypted biometric enrollment data and user identifier data. The encrypted biometric enrollment data includes at least one biometric enrollment sample from a user encrypted using an encryption key. The encryption key is generated based on a user secret and the user identifier is associated with the user. The user identifier is matched with a stored user secret. A decryption key is generated based on the stored user secret. The encrypted biometric enrollment data is decrypted using the decryption key. The at least one biometric enrollment sample is retrieved from the decrypted biometric enrollment data. The at least one biometric enrollment sample is processed using a biometric processing algorithm to generate a biometric reference template. A biometric reference template identifier uniquely identifying the biometric reference template is generated. An encryption key is generated based on the stored user secret and encrypts an enrollment confirmation message.

Abstract: In an example, a computer-implemented method includes determining a set of permissions that specifies types of account data of one or more financial accounts to share with a third-party, the one or more financial accounts being associated with a user and held by a financial institution, and generating authorization data that authenticates the third-party and authorizes the third-party to access the types of account data specified by the set of permissions. The method also includes transmitting the authorization data to the third-party, receiving a request for authorization that includes the authorization data and a request for account data of the one or more financial accounts that conforms to the types of account data specified by the set of permissions, authorizing the third-party based on the authorization data, and transmitting the account data that conforms to the types of account data specified by the set of permissions.

Abstract: Methods, systems, and apparatuses for audience metric determination are described herein. An audience segment may be targeted for delivery of content. A clustering algorithm may be used to categorize a quantity of users or devices into subsets based on a propensity to consume, present or output a particular type of content, and a quantity of time to output the particular type of content. A weight may be assigned to each subset based on its relevance to other subsets, such as based on data variance, e.g., on a distance to a midpoint of a specific subset of the subsets. An index parameter may be determined for the datasets, e.g., based on each weight for each subset, and data may be generated that reflects a ranking of content delivery spots for delivery of content to the audience segment.

Abstract: Systems, methods, and computer-readable storage media utilized for event-based authentication. One method includes recognizing an event and receiving, from a device, a withdrawal request of a user, wherein the withdrawal request includes a captured feature by the device. The method further includes determining that the user is associated with the recognized event using at least a geographic proximity between the event and the withdrawal request, wherein the geographic proximity is a given radius around a location of the event, and wherein the device is within the given radius and adjusting authentication rules based on the determination that the user is associated with the recognized event, wherein the adjustment of the authentication rules includes adjusting a matching threshold between the captured feature and a reference feature. The method further includes processing the withdrawal request for the user based on the adjusted authentication rules.

Abstract: Methods, systems, and apparatuses for audience metric determination are described herein. An audience segment may be targeted for delivery of content. A clustering algorithm may be used to categorize a quantity of users or devices into subsets based on a propensity to consume, present or output a particular type of content, and a quantity of time to output the particular type of content. A weight may be assigned to each subset based on its relevance to other subsets, such as based on data variance, e.g., on a distance to a midpoint of a specific subset of the subsets. An index parameter may be determined for the datasets, e.g., based on each weight for each subset, and data may be generated that reflects a ranking of content delivery spots for delivery of content to the audience segment.

Abstract: In an example, a computer-implemented method includes determining a set of permissions that specifies types of account data of one or more financial accounts to share with a third-party, the one or more financial accounts being associated with a user and held by a financial institution, and generating authorization data that authenticates the third-party and authorizes the third-party to access the types of account data specified by the set of permissions. The method also includes transmitting the authorization data to the third-party, receiving a request for authorization that includes the authorization data and a request for account data of the one or more financial accounts that conforms to the types of account data specified by the set of permissions, authorizing the third-party based on the authorization data, and transmitting the account data that conforms to the types of account data specified by the set of permissions.

Abstract: A computer-implemented method includes receiving, by a federated identity computing system, identity information from a customer; receiving, by the computing system, preferences for the identity information from the customer, wherein the preferences govern distribution of the identity information to requesting parties; generating, by the computing system, a key specific to the customer; and provisioning, by the computing system, the key to an identification chip associated with the customer. The computer-implemented method further includes receiving, by the computing system, the key and a request for one or more pieces of the identity information from a requesting party and providing, by the computing system, the requested one or more pieces of identity information to the requesting party based on the key and the preferences.

Abstract: An example method includes receiving an encrypted biometric enrollment data and user identifier data. The encrypted biometric enrollment data includes at least one biometric enrollment sample from a user encrypted using an encryption key. The encryption key is generated based on a user secret and the user identifier is associated with the user. The user identifier is matched with a stored user secret. A decryption key is generated based on the stored user secret. The encrypted biometric enrollment data is decrypted using the decryption key. The at least one biometric enrollment sample is retrieved from the decrypted biometric enrollment data. The at least one biometric enrollment sample is processed using a biometric processing algorithm to generate a biometric reference template. A biometric reference template identifier uniquely identifying the biometric reference template is generated. An encryption key is generated based on the stored user secret and encrypts an enrollment confirmation message.

Abstract: Systems and methods for facilitating finance by monitoring behavior of users indicative of behavioral patterns or deviations from behavioral patterns and inviting users to make financial changes that may be appropriate based on the monitored behavior. In some embodiments, a minimum amount of relevant data must be collected to support the existence of a behavioral pattern or deviation before a user is invited to make appropriate changes to their finances.

Abstract: Embodiments of the disclosure are directed to authenticating a user at an electronic computing device. Information is received from a defined zone of an environment surrounding the user. A level of authentication is calculated for the user based on the information from the defined zone of the environment. When the level of authentication is greater than or equal to a predetermined threshold, the user is authenticated at the electronic computing device to perform a requested activity.

Abstract: Methods and systems of authenticating a user based on an event, such as a natural disaster, a gathering of people, and mass activities of people. The method comprises recognizing, by a financial institution computing system, an event; receiving, by the financial institution computing system, a transaction request of a user; determining, by the financial institution computing system, that the user is associated with the recognized event; adjusting, by the financial institution computing system, authentication rules for the user; and processing, by the financial institution computing system, the transaction request for the user based on the adjusted authentication rules.

Abstract: Systems and methods using a processor coupled to a non-transitory storage medium. The processor is structured to receive an indication of a mobile device connected to a secure network provided by a financial institution, where the mobile device is associated with a user account at the financial institution, identify the mobile device based on a unique identifier of the mobile device, automatically authenticate the mobile device for a first level transaction, receive a transaction request from a user via the mobile device, determine that the transaction request is for the first level transaction, and complete the transaction request.