Abstract: A method and system include receiving, by a processor of a server, from a computing device associated with a user, real-time user activity data identifying at least one activity performed on the computing device. User-inputted data elements from a plurality of elements of a graphical user interface displayed on the computing device are received, which identify user-specific data attributes. Potential user-specific knowledge information is identified from databases based on at least one user-specific data attribute. User-specific challenge questions based on the potential user-specific knowledge information are generated and displayed on the user's computing device. Answers to the user-specific challenge questions by the user are received. An answer score based on correct answers and a behavioral score based the real-time user activity data of the user are determined. The processor determines whether the user is or is not a fraudster based on the answer score and the behavioral score.

Abstract: A computer-implemented method that includes for providing acquisition guidance alerts that includes receiving a signal from a user device indicative of a biometric characteristic of a user. The biometric characteristic is detected by the user device. The method includes determining the biometric characteristic exceeds a predetermined threshold. The predetermined threshold defines a first state of the user. The method further includes transmitting an alert to the user device with guidance information on conducting future acquisitions during the first state.

Abstract: A method and system include receiving, by a processor of a server, from a computing device associated with a user, real-time user activity data identifying at least one activity performed on the computing device. User-inputted data elements from a plurality of elements of a graphical user interface displayed on the computing device are received, which identify user-specific data attributes. Potential user-specific knowledge information is identified from databases based on at least one user-specific data attribute. User-specific challenge questions based on the potential user-specific knowledge information are generated and displayed on the user's computing device. Answers to the user-specific challenge questions by the user are received. An answer score based on correct answers and a behavioral score based the real-time user activity data of the user are determined. The processor determines whether the user is or is not a fraudster based on the answer score and the behavioral score.

Abstract: A system may receive a request to verify an identity of a user. The system may transmit information that identifies a task to be performed via user interaction with a client device and information that identifies behavioral data to be collected by the client device in connection with performance of the task, wherein the task requires at least one of: movement of the client device, interaction with a user interface of the client device using a gesture, or interaction with a user interface of the client device using a cursor. The system may receive the behavioral data and may perform identity verification associated with the user based on the behavioral data and the task. The system may transmit an indication of a recommended action to be performed with respect to the user and the client device based on performing the identity verification.

Abstract: A system may receive, from a server device that provides an application form to a client device, device information associated with the client device, wherein the device information indicates a geolocation associated with the client device. The system may receive, from the server device, behavior information that indicates user behavior associated with inputting data into the application form using the client device, wherein the behavior information indicates a manner in which the data is input into one or more fields of the application form. The system may determine a fraud score based on the device information and the behavior information. The system may transmit an indication of a recommended action to be performed by the server device with respect to the application form and the client device based on the fraud score.

Abstract: Essentially nonflammable, moldable, strong laminates formed of alternating layers of cured magnesium oxycement and a fibrous web, e.g., paper formed of cellulosic, glass or synthetic resin fibers or mixtures thereof. The magnesium oxycement may contain a suitable filter, the surfaces of the laminate may be modified and composites may be formed with a wide variety of core materials. The laminates are made by coating the fibrous webs with a reactive slurry of a magnesium salt solution and magnesium oxide. The fibrous web materials used are impermeable to the extent that no appreciable amount of the magnesium salt solution is absorbed and no appreciable amount of the magnesium oxide is filtered out onto the surface or into the intertices of the web.