Abstract: A method for authenticating to a network comprising a plurality of Internet of Things (“IoT”) devices is provided. The method may include using a mobile telephone apparatus, a wrist-worn apparatus and a head-worn apparatus to monitor the level of at least one of a wearer's pulse, body temperature, voice, gait and/or other biorhythmic indicator. One of the aforementioned apparatus may operate as a hub apparatus. The method may further include using the hub apparatus to assign a federated biometric marker based at least in part on the first, second and third biometric markers. The method may also include using artificial intelligence to monitor for one or more outliers with respect to historical monitoring. Each of the one or more outliers may include a magnitude that exceeds a security threshold difference between the current magnitude and the historically monitored magnitude.

Abstract: A system for communication channel integration is provided. The system comprising: a memory device with computer-readable program code stored thereon; a communication device connected to a network; and at least one processing device, wherein the at least one processing device is configured to execute the computer-readable program code to: generate a user data collection comprising one or more accounts and interactions associated with a first user, wherein the user data collection is accessible by the first user over a first communication channel; monitor the user data collection; based on monitoring the user data collection and user interactions, determine an actionable event associated with the first user; identify a second communication channel associated with a second user and associated with the actionable event; and in response to determining the actionable event, automatically integrate the second communication channel into the first communication channel thereby creating a merged communication channel.

Abstract: A system for communication channel integration is provided. The system comprising: a memory device with computer-readable program code stored thereon; a communication device connected to a network; and at least one processing device, wherein the at least one processing device is configured to execute the computer-readable program code to: generate a user data collection comprising one or more accounts and interactions associated with a first user, wherein the user data collection is accessible by the first user over a first communication channel; monitor the user data collection; based on monitoring the user data collection and user interactions, determine an actionable event associated with the first user; identify a second communication channel associated with a second user and associated with the actionable event; and in response to determining the actionable event, automatically integrate the second communication channel into the first communication channel thereby creating a merged communication channel.

Abstract: A system, computer program product, and computer-implemented method for communication channel integration are provided. The system is configured to generate a user profile comprising one or more accounts and interactions associated with a user, wherein the user profile is accessible by the user over a first communication channel in an interface of a user application; monitor the user profile; based on monitoring the user profile and user interactions, determine an actionable event associated with the user; identify a second communication channel associated with the actionable event; and in response to determining the actionable event and identifying the second communication channel, automatically integrate the second communication channel into the first communication channel thereby creating a merged communication channel in the interface of the user application.

Abstract: A method for authenticating to a network comprising a plurality of Internet of Things (“IoT”) devices is provided. The method may include using a mobile telephone apparatus, a wrist-worn apparatus and a head-worn apparatus to monitor the level of at least one of a wearer's pulse, body temperature, voice, gait and/or other biorhythmic indicator. One of the aforementioned apparatus may operate as a hub apparatus. The method may further include using the hub apparatus to assign a federated biometric marker based at least in part on the first, second and third biometric markers. The method may also include using artificial intelligence to monitor for one or more outliers with respect to historical monitoring. Each of the one or more outliers may include a magnitude that exceeds a security threshold difference between the current magnitude and the historically monitored magnitude.

Abstract: A system, computer program product, and computer-implemented method for communication channel integration are provided. The system is configured to generate a user profile comprising one or more accounts and interactions associated with a user, wherein the user profile is accessible by the user over a first communication channel in an interface of a user application; monitor the user profile; based on monitoring the user profile and user interactions, determine an actionable event associated with the user; identify a second communication channel associated with the actionable event; and in response to determining the actionable event and identifying the second communication channel, automatically integrate the second communication channel into the first communication channel thereby creating a merged communication channel in the interface of the user application.

Abstract: A method for authenticating to a network comprising a plurality of Internet of Things (“IoT”) devices is provided. The method may include using a mobile telephone apparatus, a wrist-worn apparatus and a head-worn apparatus to monitor the level of at least one of a wearer's pulse, body temperature, voice, gait and/or other biorhythmic indicator. One of the aforementioned apparatus may operate as a hub apparatus. The method may further include using the hub apparatus to assign a federated biometric marker based at least in part on the first, second and third biometric markers. The method may also include using artificial intelligence to monitor for one or more outliers with respect to historical monitoring. Each of the one or more outliers may include a magnitude that exceeds a security threshold difference between the current magnitude and the historically monitored magnitude.

Abstract: A method for authenticating to a network comprising a plurality of Internet of Things (“IoT”) devices is provided. The method may include using a mobile telephone apparatus, a wrist-worn apparatus and a head-worn apparatus to monitor the level of at least one of a wearer's pulse, body temperature, voice, gait and/or other biorhythmic indicator. One of the aforementioned apparatus may operate as a hub apparatus. The method may further include using the hub apparatus to assign a federated biometric marker based at least in part on the first, second and third biometric markers. The method may also include using artificial intelligence to monitor for one or more outliers with respect to historical monitoring. Each of the one or more outliers may include a magnitude that exceeds a security threshold difference between the current magnitude and the historically monitored magnitude.

Abstract: Systems and methods are disclosed for handling a payment at a point of sale or a remote payment acceptance and processing location for a customer account. The systems and methods may include receiving a payment at a point of sale or a remote payment acceptance and processing location and identifying data including at least an amount of the payment that is associated with the payment. The data may be transmitted over a computer network and stored in a data store that is associated with a customer account. A balance of the customer account may be rapidly updated based on the data associated with the payment. The data may be transmitted over a computer network and may be utilized in a computer software application to provide a customer account with rapid recognition of a payment and of a total balance.

Abstract: A fraud data exchange system performs a method for processing a transfer request using shared fraud data including receiving a transfer request comprising information corresponding to an account to be debited and information corresponding to an account to be credited, approving the information corresponding to the account to be debited, and accessing a database to retrieve fraud data. The database includes fraud data shared among two or more financial institutions, and the fraud data includes a plurality of entries, each entry corresponding to one or more accounts and comprising one or more data fields. Each data field corresponds to a characteristic of the accounts and tends to indicate whether the transfer request is fraudulent. The method includes determining a likelihood of fraudulent activity, based on the accessed fraud data and determining, based at least in part on the determined likelihood of fraudulent activity, whether to complete the transfer.

Abstract: Systems and methods are disclosed for handling a payment at a point of sale or a remote payment acceptance and processing location for a customer account. The systems and methods may include receiving a payment at a point of sale or a remote payment acceptance and processing location and identifying data including at least an amount of the payment that is associated with the payment. The data may be transmitted over a computer network and stored in a data store that is associated with a customer account. A balance of the customer account may be rapidly updated based on the data associated with the payment. The data may be transmitted over a computer network and may be utilized in a computer software application to provide a customer account with rapid recognition of a payment and of a total balance.