Embodiments provide a system operatively connected with a block chain distributed network and for using the block chain distributed network for mapping aliases. Embodiments create an alias-token pair linking an alias associated with a customer to a token associated with an account owned by the customer; and map the alias-token pair to an address associated with the customer on a directory services (DS) block chain. In some cases, the system manages alias- token lifecycle including enabling editing and deleting the alias-token pair mapped to the address. In some cases, the system registers the address of the customer with the DS block chain. Such registering may include receiving a selection from the customer regarding desired node for registering the customer address; connecting with the DS block chain; and creating an account associated with the customer including creating a unique address associated with the customer and registering it with the DS block chain.
Embodiments provide a system operatively connected with a block chain distributed network and for using the block chain distributed network for facilitating a person-to-person (P2P) alias-based payment. Embodiments receive a transaction record associated with a P2P transaction between a payor and a payee, wherein the transaction record comprises an alias associated with the payor and/or the payee; access a distributed ledger, wherein the distributed ledger is updated based on communications from a block chain distributed network; retrieve an alias to entity mapping from the accessed distributed ledger, wherein the alias to entity mapping indicates at least an entity to which the alias is mapped; and based on the mapping, determine that the alias is at least partially valid. In some cases, embodiments determine that the alias corresponds to an account number maintained by the entity in a private ledger; and authorize a transaction associated with the transaction request.
G06F 17/30 - Information retrieval; Database structures therefor
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
G06Q 20/00 - Payment architectures, schemes or protocols
G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
H04M 1/64 - Automatic arrangements for answering calls; Automatic arrangements for recording messages for absent subscribers; Arrangements for recording conversations
3.
SYSTEMS AND METHODS FOR MANAGING FINANCIAL PAYMENTS BETWEEN PARTIES
A computer-implemented method for managing financial payments between parties using an electronic payment computing device is provided. The method includes receiving a payee debit account identifier from a payee computing device, the payee debit account identifier associated with a payee debit account; creating a payee user account using the payee debit account identifier, wherein the payee user account is linked to the payee debit account; receiving a first payment request from the payee computing device requesting payment from a payor; generating a unique link for accessing a payment page associated with the first payment request; transmitting a second payment request to a payor computing device, wherein the second payment request includes the unique link; receiving a payment response from the payor computing device authorizing payment from a payor debit account to the payee; and prompting a transfer of funds from the payor debit account to the payee debit account.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Aspects of the present disclosure are directed to methods and systems dynamic trust federation. In one aspect, a computer implemented method may include a security token that enables sign-on into a group applications based on applicable trust criteria. In one aspect, when a user interacts with one application in the group, the trust is elevated through the application internal authentication application program interface (API). The trust may be included in the security token to make available to other applications in the group. Applications can be in multiple groups with variable level of authentication based on location and other transactions variables.
H04L 9/32 - Arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system
Methods, systems, computer-readable media, and apparatuses for handling calls based on a voice biometric confidence score are presented. In some embodiments, a computing device may receive a voice sample associated with a telephone call. Subsequently, the computing device may determine a voice biometric confidence score based on the voice sample. The computing device then may determine to route the telephone call to a certain endpoint based on the voice biometric confidence score.
G10L 21/00 - Processing of the speech or voice signal to produce another audible or non-audible signal, e.g. visual or tactile, in order to modify its quality or its intelligibility
6.
COMMUNICATION AND MANAGEMENT OF ELECTRONIC MAIL CLASSIFICATION INFORMATION
A network interface receives an electronic mail on a first computer. A processor determines that the received electronic mail comprises a classification tag, and in response to the determination parses the classification tag to extract a plurality of classification information. The processor displays the plurality of classification information on the first computer.
Methods, systems, computer-readable media, and apparatuses for selecting authentication questions based on a voice biometric confidence score are presented. In some embodiments, a computing device may receive a voice sample. Subsequently, the computing device may determine a voice biometric confidence score based on the voice sample. The computing device then may select one or more authentication questions based on the voice biometric confidence score.
Methods, systems, computer-readable media, and apparatuses for utilizing voice biometrics to provide relationship-based service are presented. In some embodiments, a computing device may receive a voice sample associated with a customer of an organization. Subsequently, the computing device may determine a voice biometric confidence score based on the voice sample. The computing device then may determine a relationship between the customer and the organization based on the voice sample and the voice biometric confidence score.
Methods, systems, computer-readable media, and apparatuses for utilizing voice biometrics to prevent unauthorized access are presented. In some embodiments, a computing device may receive a voice sample. Subsequently, the computing device may determine a voice biometric confidence score based on the voice sample. The computing device then may evaluate the voice biometric confidence score in combination with one or more other factors to identify an attempt to access an account without authorization.
G10L 19/00 - Speech or audio signal analysis-synthesis techniques for redundancy reduction, e.g. in vocoders; Coding or decoding of speech or audio signals, using source filter models or psychoacoustic analysis
Methods, systems, computer-readable media, and apparatuses for utilizing shared customer data are presented. In some embodiments, a computing device may detect a mobile device that is linked to a user account. Subsequently, the computing device may identify a user of the mobile device, based on shared customer data associated with the user account. The computing device also may retrieve customer information associated with the identified user from the shared customer data. Then, the computing device may provide the retrieved customer information to at least one merchant device. In one or more embodiments, the shared customer data may be collected by at least two different commercial entities, and the shared customer data may be available for use by the at least two different commercial entities.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Embodiments of the invention are directed to cards that comprise indicators on the edge of the card stock to help identify the card. The indicators may be projections on the edge of the card stock formed by ridges, grooves, dimples, burrs, protrusions, or other like projections that provide at least a portion of the edge of the card stock with a textured surface, A user may identify the card by viewing the projections or touching the projections on the edge of the card stock, and identifying die type of projections, height of the projections, or the spacing of the projections on the edge of the card stock, The ability to identify the card stock simply through touch may be useful to visually impaired users for differentiating between types of cards that may otherwise be difficult to identify without projections.
B32B 3/02 - Layered products essentially comprising a layer with external or internal discontinuities or unevennesses, or a layer of non-planar form; Layered products essentially having particular features of form characterised by features of form at particular places, e.g. in edge regions
12.
AUTOMATIC DEAL OR PROMOTION OFFERING BASED ON AUDIO CUES
Aspects herein describe at least a new method, system, and computer readable storage media for recognizing the content of the audio. A computing device determines whether the content comprises a product and/or service, correlates the product and/or service with one or more promotional deals provided by an organization such as a financial institution, generates a subset of the one or more promotional deals based on the correlation, and transmits the subset to a multimedia viewing device such as a television. The subset of the one or more promotional deals may be viewed by a viewer. The one or more promotional deals are displayed on a portion of the screen of the television for viewing by the viewer. The viewer may make a purchase decision based on the one or more promotional deals displayed.
H04N 21/458 - Scheduling content for creating a personalised stream, e.g. by combining a locally stored advertisement with an incoming stream; Updating operations, e.g. for OS modules
H04N 21/439 - Processing of audio elementary streams
13.
AUTOMATIC DISPLAY OF USER-SPECIFIC FINANCIAL INFORMATION BASED ON AUDIO CONTENT RECOGNITION
Aspects herein describe at least a new method, system, and computer readable storage media for recognizing the content of the audio. A computing device determines whether the content comprises one or more financial products and services offered by a financial institution, correlates the one or more financial products and services with a profile of a person, determines a subset of the one or more financial products and services that are of interest to the person based on the correlation, and transmits data related to the subset to a television for viewing by the person. The subset of the one or more products and services are displayed on a portion of the screen of the television.
In certain embodiments, a system includes a target server operable to access one or more databases. The target is further operable to run one or more processes supporting access to the one or more databases. The system also includes a management server including one or more processors. The management server is operable to receive a maintenance request, The maintenance request includes a maintenance window. The management server is further operable to generate a server state snapshot by capturing the identities and configurations of the one or more processes running on the target server. The management server is further operable to stop the one or more processes, The management server is further operable to restore, after the expiration of the maintenance window, the one or more processes based on the server state snapshot.
A system, method, and/or software for receiving by at least one computing device, over a network, an indication of an event at a first monetary deposit device; and determining by the at least one computing device, responsive to the event, whether to send a locking state command to a second monetary deposit device, and if so, sending the locking state command over the network to the second monetary deposit device.
Apparatuses, computer readable media, methods, and systems are described for provisioning of databases, which may include processing a request to generate a database, wherein the request comprises a database parameter; determining a lease term for the database; generating the database based on the database parameter; and communicating a notification containing information regarding the database and the lease term.
Conducting mobile transactions comprises determining, using a processor, whether a network is available to facilitate a mobile transaction. An interface, communicatively coupled to the processor, receives an encrypted token from a mobile device without using the network if the network is not available. The processor is further operable to process the encrypted token to complete the mobile transaction.
Token rules that facilitate determining whether to generate a token for use in a mobile transaction are stored in a memory. The memory also stores token criteria associated with a user. A processor, communicatively coupled to the memory, accesses the token rules and determines whether to generate the token by applying at least a portion of the token rules to the token criteria associated with the user. The token is generated upon a determination to generate the authorized token, and the token is generated before the mobile transaction begins. An interface, communicatively coupled to the processor, communicates the token to a mobile device associated with the user.
Security measures for tokens comprise storing security rules associated with a generated token in a memory. A processor, communicatively coupled to the memory, accesses the security rules associated with the generated token and determines whether to encrypt the generated token by applying at least a portion of the security rules to the generated token. The processor encrypts the generated token. An interface, communicatively coupled to the processor, communicates the encrypted token to a mobile device associated with a user.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
In an exemplary embodiment, a method includes determining a plurality of field identifiers of a data set, A plurality of field cells that each correspond to a field identifier of the plurality of field identifiers are generated and displayed within an available fields region, A column field region and a row field region are displayed. A first field cell of the plurality of field cells is moved from the available fields region to the column field region or the row field region in response to a first input from a user. The pivot table is updated to include one or more rows or columns corresponding to the first field cell upon detection of the movement of the first field cell to the column field region or the row field region.
An optimized service mediation framework may use customized tokens for reducing cost and latencies per transaction. In particular, a token service and an integration service may function together to generate customized tokens for use by network components within a transaction pathway. Each network component may access information with the token for a predetermined time period and/or for a predetermined number of service calls for service processing tasks related to mapping, security, governing, bridging, transforming, orchestrating, generating events, managing workloads, routing, validating, managing cache, encrypting, queuing and staging, commodity services, transaction management, and quality of service (QoS)/resiliency, among other things.
In certain embodiments, a system includes a processor. The system also includes one or more non-transitory computer readable storage media embodying software that is operable when executed by the processor to perform certain operations. The operations include receiving a credit application request from an applicant directed to a credit entity. The credit application request includes a product selection. The operations also include determining a relationship strength between the applicant and the credit entity. The operations also include receiving a plurality of responses to requests for applicant data. The operations also include determining an applicant classification based at least in part on one or more of the product selection and the relationship strength. The operations also include determining, based on the applicant classification, one or more applicant data collection rules. The operations also include customizing requests for additional applicant data using the determined one or more applicant data collection rules.
Apparatuses, computer readable media, methods, and systems are described for providing a list of cloud orchestrator clients, each of the clients being associated with one of a plurality of cloud provider data centers, processing an instruction to at least one of create a virtual machine and change a state of the virtual machine, select a particular one of the cloud orchestrator clients associated with a particular one of the cloud provider data centers where the virtual machine is to be created or where the virtual machine currently resides, generating a provisioning request instructing the particular cloud orchestrator client to perform at least one of creating the virtual machine and changing the state of the virtual machine, and communicating the request to the particular cloud orchestrator client.
Methods, computer readable media, and apparatuses for remediating violations associated with files on one or more servers are disclosed. A violation list including one or more violations associated with one or more files on one or more servers may be received. A type of violation for each of the one or more violations may be determined. A severity may be associated with each of the violations. A fix may be identified for each of the one or more violations and each of the one or more violations may be fixed using the identified fix. The violations may be fixed in order of the associated severity.
Methods, computer readable media, and apparatuses for balancing the number of transaction requests with the number of applications running and processing information for those transaction requests are presented. According to one or more aspects, a message queue receives one or more messages, each including a transaction request, from a computing device. The message queue sends a trigger message to a trigger queue. The load balancing utility monitors the number of messages in the message queue and determines a number of transaction requests to process and starts a number of additional applications to process the additional transaction requests. The applications process the transaction requests and send a response for each of the transaction requests to the message queue. The message queue sends the response back to the computing device.
Systems, methods, and software for implementing location-based authentication of financial transactions are provided. Upon receiving credentials to initiate a financial transaction, the geographic location and time of a device associated with the credentials are stored. When a second transaction is attempted, the geographic location and time of the second attempted transaction is determined and, based on a comparison, an implied velocity of travel between the first and second locations is calculated. If the implied velocity exceeds a velocity threshold, the second transaction may be altered or rejected. The threshold may be varied based on several factors.
A system and method for a payment processing information system is disclosed. In particular embodiments, a method for repairing payment processes of a financial institution includes receiving a first payment processing information associated with a first geographic region at a hardware processor. The method also includes receiving a second payment processing information associated with a second geographic region at the hardware processor. The method further includes receiving a request for payment processing information from a payment processor. Additionally, the method includes determining whether the payment processor is associated with a selected one of the first geographic region and the second geographic region and based on the determination, facilitating repair of a failed payment process.
A method, apparatus, computer-readable medium and system are disclosed for providing a computerized algorithm for customizing products and/or services provided to a user. The products and/or services may be related to banking and/or accounts. In some embodiments, a device may access and analyze historical information associated with a user. Based at least in part on the analysis, the device may determine whether the user has an option to customize a product or service, such as terms or conditions associated with a product or service offering. When the user has the option to customize the product/service, the device may transmit a recommendation to the user, where the recommendation comprises a suggested value to be associated with the product/service.
According to one embodiment, an apparatus may store a plurality of tokens that indicate a user is using a device to access a resource over a network. The apparatus may detect at least one token indicating a change associated with at least one of the device, the network, or the resource. The apparatus may then determine to re-authenticate the user in response to the change. The apparatus may then request a password generated using personal information of the user, and receive a re- authentication token comprising the password generated using personal information of the user. The apparatus may then request, from the user, a second password. The request for the second password may include instructions on how to form the second password. The apparatus may receive a response comprising the second password and determine that the second password matches the password. The apparatus may then re-authenticate the user.
According to one embodiment, an apparatus may include a memory and a processor. The memory may store a plurality of tokens associated with a session that facilitates access to a resource by a user and the session is identified by a session token. The processor may determine a second plurality of tokens required to facilitate the determination of a risk token. The risk token is used to facilitate the determination of an access decision to the resource. The processor may further determine that the plurality of tokens comprises the second plurality of tokens and generate a dataset token that represents the plurality of tokens. The processor may then communicate the dataset token to facilitate the generation of the risk token. The processor may then correlate the risk token with the session token to facilitate the determination of the access decision to the resource.
According to one embodiment, an apparatus may store a first and second subject token. The first subject token indicates a first authentication method performed a user. The second subject token indicates a second authentication method performed by the user. The apparatus may detect at least one new subject token indicating at least one different authentication method performed by the user. The apparatus may then determine that a particular combination of the subject tokens in the first subject token, second subject token, and the at least one new subject token indicates a privilege should be granted to the user and facilitate the granting of that privilege.
According to one embodiment, an apparatus may intercept a request to access a resource represented by a resource token. The apparatus may receive a hard token representing identification information of a device. The apparatus may determine, based at least in part upon the hard token and the resource token, at least one token-based rule specifying compliance criteria required to consume the resource. The apparatus may receive at least one token representing compliance information of the device in response to a request for compliance information of the device. The apparatus may then compare the compliance information against the compliance criteria to determine that the device is capable of consuming the resource. The apparatus may then generate a compliance token representing the determination that the device is capable of consuming the resource, and communicate the compliance token to facilitate the provisioning of a container to the device.
According to one embodiment, an apparatus may monitor a session that facilitates the processing of a transaction. The transaction may represent an action taken against a resource during the session. The apparatus may determine that the transaction qualifies for additional monitoring, and in response, generate a tag. The tag may be unique to the transaction. The apparatus may then associate the tag with the transaction to facilitate tracing of the transaction. The apparatus may then trace the transaction during the processing of the transaction by following the tag, and communicate a message to transfer the transaction to an isolated processing unit. The isolated processing unit processes the transaction in isolation.
According to one embodiment, an apparatus may receive a token that indicates a change that occurs during a session. The session may facilitate access to a resource. The token may indicate a risk token should be computed. The apparatus may determine, from the token, a first set of attributes. The first set of attributes may include attributes required to compute the risk token. The apparatus may determine that a cache contains a set of cached attributes. The apparatus may examine an attribute in the set of cached attributes, and determine the attribute in the set of cached attributes is not in the first set of attributes. The apparatus may then remove the attribute in the set of cached attributes from the cache.
According to one embodiment, an apparatus may receive a first token indicating that access to the resource has been requested. The apparatus may determine at least one token-based rule based at least in part upon the first token, and determine that a plurality of tokens includes a second token associated with the at least one token-based rule. The apparatus may then generate a session token based at least in part upon the first token and the second token in response to the determination that the plurality of tokens includes the second token. The apparatus may terminate the session token based on a received third token.
According to one embodiment, an apparatus may store a plurality of token- based rules that facilitate access to a resource, and a plurality of tokens indicating a user is using a device to request access to a resource over a network. The apparatus may receive a risk token indicating the risk associated with granting at least one of the user and the device access to the resource. The risk token may be computed from a set of tokens in the plurality of tokens. The apparatus may determine at least one token-based rule based at least in part upon the plurality of tokens and the risk token. The apparatus may then make an access decision based upon the at least one token- based rule, and communicate a decision token representing the access decision.
According to one embodiment, an apparatus may store a plurality of tokens indicating a user is requesting access to a resource over a network. The apparatus may determine a condition associated with accessing the resource based on the plurality of tokens. The condition may be determined in addition to a determination to grant or deny access to the resource. The condition may include an obligation to be fulfilled and a message providing instruction regarding how to fulfill the obligation. The apparatus may generate a decision token representing the condition, and communicate the decision token to a resource provider to facilitate enforcement of the condition.
According to one embodiment, an apparatus may store a plurality of token based rules. A token-based rule may facilitate the processing of transactions. The apparatus may receive a transaction token indicating that a transaction associated with an entity has been requested. The apparatus may determine at least one token-based rule based at least in part upon the transaction token. The at least one token-based rule may indicate that there is a risk that the transaction is fraudulent. The apparatus may determine that the transaction should be denied based at least in part upon the risk that the transaction is fraudulent.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
A system for monitoring objects comprises a first database, a second database, and a processor coupled to both the first and second databases. The first database comprises information representing monitoring requirements for a plurality of monitoring targets in an enterprise. The second database comprises information representing the actual state of monitoring for the monitoring targets in the enterprise. The processor is operable to compare the monitoring requirements for the plurality of monitoring targets in the enterprise with the actual state of monitoring for the monitoring targets in the enterprise, and determine any gaps in monitoring for the monitoring targets in the enterprise based at least in part on the comparison. The processor generates at least one monitoring deployment request identifying one or more monitoring tools to be deployed for the monitoring targets in the enterprise based at least in part on any determined gaps in monitoring.
A monitoring tool auditing module comprises an interface, a memory, and a processor. The interface receives a plurality of monitoring audit requests, each monitoring audit request identifying one or more monitoring targets to be audited. The memory stores the plurality of monitoring audit requests in a queue based at least in part upon the order that the monitoring audit requests are received by the interface. The processor accesses a particular one of the plurality of monitoring audit requests stored in memory and determines a monitoring target to be audited based at least in part upon the particular monitoring audit request. The processor determines a plurality of monitoring tools that are deployed at the determined monitoring target, and determines status information for each determined monitoring tool deployed at the determined monitoring target. The processor further determines configuration information for each determined monitoring tool deployed at the determined monitoring target.
A system for managing monitoring requirements documents comprises a graphical user interface, a processor, and a memory. The graphical user interface receives inputted information identifying a monitoring target in an enterprise and monitoring requirements for the monitoring target. The processor receives the inputted information, and determines that a monitoring requirements document does not already exist for the monitoring target. The processor creates a monitoring requirements document for the monitoring target, the monitoring requirements document specifying the monitoring requirements for the monitoring target. The processor associates the monitoring requirements document with a unique monitoring identifier. The memory stores the monitoring requirements document and the unique monitoring identifier.
A monitoring tool deployment module comprises an interface, a memory, and a processor. The interface receives a plurality of monitoring deployment requests, each identifying one or more monitoring tools to be deployed for one or more monitoring targets. The memory is coupled to the interface and stores the plurality of monitoring deployment requests in a queue based at least in part upon the order that the monitoring deployment requests are received by the interface. The processor is coupled to the memory and accesses a particular one of the plurality of monitoring deployment requests stored in memory, and determines a monitoring tool to be used based at least in part upon the particular monitoring deployment request. The processor further determines a monitoring target based at least in part upon the received monitoring deployment request, and executes commands to initiate the deployment of the determined monitoring tool for the determined monitoring target
A system and method for using a static or dynamically-generated alias to conduct financial transactions via a Near Field Communication Device at a merchant is provided. The system and method allows a user to provide an alias identifying the user in order to conduct transactions via a near field communication device without needing to transfer the user's account number. The method associates the alias with an account of the user. The alias may be a static alias or a dynamic alias. A dynamic alias is generated for a transaction based in part on a characteristic of the transaction. The method determines the account number associated with the alias and completes the transaction using the alias. The method may also evaluate the transaction to determine whether predetermined rules are complied with and provide confirmation to the user and/or merchant that the transaction has completed.
A cloud exchange system processes transactions for cloud computing services. Cloud resources may be viewed as commodities, in which cloud customers may be dependent on cloud providers to provide hosted centralized computer facilities. The cloud customer may move computing services in the form of one or more virtual machines by buying a contract that specifies the cloud services and is purchased through the cloud exchange system. The cloud exchange system may receive a request from the cloud customer and an offer from a cloud provider for a cloud service and may match the request and the offer to obtain matched attributes. One of the available contracts may be selected by the cloud exchange system based on the matched attributes of the request and the offer, where the selected contract specifies the cloud service. A transaction fee for the transaction may be determined from at least one of the matched attributes.
A method for processing a transfer request using shared misused 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 misused data. The database includes misused data shared among two or more financial institutions, and the misused 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 one or more accounts and tends to indicate whether the transfer request is a misappropriation of identity. The method includes determining a likelihood of misappropriation of identity activity and whether to complete the transfer.
Embodiments of the invention are directed to apparatus, methods, and computer program products for allowing a user to make a payment at a payment terminal via a mobile device via a back-up payment module that is attached to the mobile device. In some embodiments, the back¬ up payment module allows a user to make a payment at a payment terminal by establishing physical contact between the back-up payment module and the payment terminal. In some embodiments, the back-up payment module allows a user to make a payment at a payment terminal when one or more other methods of making a payment via a mobile device are unavailable.
A service mediation framework may allow each component within a computer network to perform common service processing tasks driven by standardized service policies stored within a centralized repository. In particular, an enhanced service domain name system (DNS) server, an enhanced service router, and/or an enhanced service gateway within the network may each access relevant service policies stored within an enhanced service repository to implement tasks such as security, content-based routing, logging, message format translation, and protocol bridging for each service request processed by the network. In addition, each network component may communicate through standardized formats, such as Extensible Markup Language (XML), to realize the end-to-end network solution.
While performing or initiating a transaction with a self-service video transaction device, a user may interact with a video agent and a terminal associated therewith. Video and/or audio functionalities may be enabled or disabled based on a length of a wait time to connect to a video agent. If the wait time exceeds a predetermined threshold, video and/or audio functionalities may be disabled, and the self-service device may generate a display indicating that video and/or audio functionalities are unavailable. If the wait time does not exceed the predetermined threshold, video and/or audio functionalities may be enabled, and the selfservice device may generate a display indicating that video and/or audio functionalities are available. An error may occur during the transaction. In response to detecting the error, video agent(s) having video or audio functionalities to service the error may be identified.
G06F 3/00 - Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
49.
SYSTEM FOR MANAGING AND TRACKING AN INVENTORY OF ELEMENTS
Embodiments of the invention relate to systems, methods, and computer program products for managing and tracking an inventory of controlled elements, wherein a database comprising a plurality of elements is maintained, an owner is assigned to each element, the relationships between elements are identified and related elements are linked. The elements are then monitored to identify changes to the elements. Any identified change is confirmed, and if material, the owners of related elements are notified of the changes the need to be made to the related elements and the plurality of elements are monitored to determine when all required changes have been made. Once all the required changes are a made, the owners of the identified elements are required to provide final confirmation that no further changes are needed.
Embodiments of the invention include a merchant offer program application, which is downloaded onto a customer computer, and that works in connection with the customer's accounts at an institution. The merchant offer program application monitors the location of the customer over time and recognizes patterns in the routes the customer travels and locations that the customer frequently visits. The merchant offer program provides additional information to the customer, such as offers that are available for the product, the identity of other merchants that offer the product or a competing product, advertisements or offers regarding other ancillary products typically sold along with the product being considered, etc. based at least in part on the patterns recognized by the merchant offer program. The information sent to the customer can be based not only on the patterns identified, but on the customer's past purchase behavior, account balances, interests, merchant and/or institution relationships, etc.
Embodiments of the invention are directed to methods and apparatuses for facilitating the value exchange of customer data. For example, one embodiment of the invention provides an online banking system that allows a customer to enter customer data, such as itemized transaction data or personal interest data, in return for incentives.
Embodiments of the invention are directed to a system, method, or computer program product for dynamically determining an appropriate payment account for a transaction. Embodiments of the invention allow a user to receive a transaction request and subsequently the transaction is applied to the appropriate payment account. Applying the transaction to the appropriate payment account is based on the type of transaction, the payment accounts available to the user, financial institution considerations, financial plans of the user, customer plans of the user, etc. This invention allows a user to make a purchase at a point-of-sale and have confidence that the transaction will be implemented to the payment account that provides the best promotional benefits for the customer based on the customer's individual needs.
Apparatuses, computer readable media, methods, and systems are described for storing a first measurement of a virtualization platform, storing a second measurement of a measured virtual machine, generating a quote using a key, wherein the quote is based on the first measurement and the second measurement, and providing the quote for attesting to authenticity of the virtualization platform and of the measured virtual machine. In a further example, the quote may be generated based on a third measurement of a secure tunnel.
Apparatuses, computer readable media, methods, and systems are described for requesting creation of virtual machine (VM) in a cloud environment comprising a virtual private cloud. Through various communications between a cloud DMZ, cloud provider, and/or company's network, a VM instance may be securely created, initialized, booted, unlocked, and/or monitored through a series of interactions building, in some examples, upon a root of trust.
A system for processing a video stream is disclosed. The system includes a processing device configured for analyzing the surrounding environment represented in the video stream for at least one marker that is indicative of an environmental characteristic. At least one marker is identified within the surrounding environment. Once identified, information associated with the environmental characteristic is presented to the user. In one embodiment, the information is presented via AR such that one or more virtual objects are superimposed over the video stream. The virtual objects may be interactive.
H04M 11/04 - Telephonic communication systems specially adapted for combination with other electrical systems with alarm systems, e.g. fire, police or burglar alarm systems
H04W 4/00 - Services specially adapted for wireless communication networks; Facilities therefor
H04W 24/00 - Supervisory, monitoring or testing arrangements
Embodiments of the invention provide for using video analysis, such as augmented reality or the like to assist a group of users to utilize mobile devices for creating a collective network environment of users that identifies objects in which one or more users in a group of users may be interested, and notifies the one or more users of information associated with the object. A collective network comprises a group of users that each have a mobile device that contains or is otherwise operatively coupled to a data capture device. For example, the mobile device may be a mobile phone that is capable of taking video with a camera device. A user in the collective network may capture video on his mobile device, and an application can identify the object in the video and provide interested users in the collective network with information about the object.
G06K 9/72 - Methods or arrangements for recognition using electronic means using context analysis based on the provisionally recognised identity of a number of successive patterns, e.g. a word
57.
PRESENTING INVESTMENT-RELATED INFORMATION ON A MOBILE COMMUNICATION DEVICE
Methods, systems, computer programs are described that provide for presenting investment-related information in conjunction with display of a live video stream that includes the related publicly traded or privately held business entity or an object associated with the business entity. Business entities or the objects associated with the business entities that are proximate to a mobile communication device may be identified via object recognition techniques, product codes, wireless communication, location determination or the like. Once the business entities or objects have been identified, the related investment information is retrieved and indicators are displayed in the live video stream proximate to the display of the business entity or an object associated with the business entity. The user can activate the indicator to receive further investment-related information or be connected to an online investment broker for the purpose of purchase stock or some other form of investment instrument associated with the business entity.
In general terms, embodiments of the present invention relate to apparatuses, methods, and computer program products for presenting information associated with a real estate listing in an augmented reality environment. For example, in some embodiments, a method is provided that includes (a) receiving positioning information from a mobile device; (b) identifying, based at least partially on the positioning information, a real estate property; (c) determining that the real estate property is subject to a real estate listing; and (d) presenting, via the mobile device, information that indicates that the real estate property is subject to a real estate listing.
H04M 11/04 - Telephonic communication systems specially adapted for combination with other electrical systems with alarm systems, e.g. fire, police or burglar alarm systems
59.
CONDUCTING FINANCIAL TRANSACTIONS BASED ON IDENTIFICATION OF INDIVIDUALS IN AN AUGMENTED REALITY ENVIRONMENT
Embodiments of the invention are directed to methods and apparatuses for conducting financial transactions based on identification of individuals in an augmented reality environment. The method includes capturing a video stream using a mobile computing device; analyzing, using a computing device processor, the video stream to distinguish between individuals and objects; identifying an individual in the video stream; authenticating the identity of the individual; and conducting the transaction after the individual is authenticated. The method may also include presenting indicators associated with the user, the identified individual, or the financial transaction.
Embodiments of the invention are directed to a system, method, or computer program product for a customizable financial application. This invention allows a user to customize an application, such as an application for a mobile smart phone, to display information or perform actions using data stored by a financial institution, including data about the customer and more general financial data.
Embodiments of the present invention provide apparatuses and methods for identifying computer systems that pose a threat for potential dissemination of confidential information, and thereafter, scanning the computer systems for unauthorized activity related to potential dissemination of confidential information. Embodiments of the invention comprise compiling a list of user computer systems that are at risk of accessing, using, or disseminating confidential information; determining whether the computer systems on the list are available for scanning; and scanning the computer systems on the list to identify an incident related to potential or actual threats or breaches of confidential information.
Embodiments of the invention relate to risk review assessments and, more particularly to determining risk review candidates by identifying two or more community categories, determining risk scores for each user/employee across risk categories, normalizing the risk scores based on community averages and community standard deviations and determining risk review candidates by comparing the normalized risk scores to predetermined thresholds. In additional embodiments, an outlier reinforcement score for each user/employee by summing all of the positive-valued normalized risk scores across the two or more communities and comparing the outlier reinforcement score to a predetermined threshold.
Systems and methods for generating transaction records with imaging are described. Data representative of a transaction of a user may be received and a transaction record for the transaction may be generated. A user request to withdraw an amount of monetary funds from an account associated with the transaction may be received. At least one captured image of the user during the transaction may be associated with the transaction record. Monetary funds from the account in the amount requested by the user may be outputted, and the transaction record may be stored in a database. Upon determining the amount of monetary funds requested for withdrawal exceeds a first threshold, at least one image of the user may be captured, and a copy of the at least one captured image of the user or a link to the at least one captured image may be stored in the transaction record.
Systems and methods for calculating threat scores for individuals within an organization or domain are provided. Aspects of the invention relate to computer-implemented methods that form a predictive threat rating for user accounts. In one implementation, a threat score representing a first time period may be calculated. The first threat score may be calculated from a quantification of a plurality of activity violations across a plurality of control groups. Weighting schemes may be applied to certain activities, controls, and/or user accounts. Further embodiments may be configured to consider additional indicators. Further aspects relate to apparatuses configured to execute methods for ranking individual user accounts. Certain embodiments may not block transmissions that violate predefine rules, however, indications of such improper transmission may be considered when constructing a threat rating.
Systems and methods for calculating threat scores for individuals within an organization or domain are provided. Aspects of the invention relate to computer-implemented methods that form a predictive threat rating for user accounts. In one implementation, a threat score representing a first time period may be calculated. The first threat score may be calculated from a quantification of a plurality of activity violations across a plurality of control groups. Weighting schemes may be applied to certain activities, controls, and/or user accounts. Further embodiments may be configured to consider additional indicators. Further aspects relate to apparatuses configured to execute methods for ranking individual user accounts. Certain embodiments may not block transmissions that violate predefine rules, however, indications of such improper transmission may be considered when constructing a threat rating.
Methods, computer readable media, and apparatuses for monitoring communications are presented. A communication that includes non-public information may be identified. Subsequently, it may be determined whether the communication meets at least one outlier condition. In response to determining that the communication meets the at least one outlier condition, the communication may be submitted for review.
Methods, computer readable media, and apparatuses for monitoring communications are presented. A first username may be compared with a second username. The first username may be associated with a sender of a communication, and the second username may be associated with a recipient of the communication. Thereafter, based on the comparing, the probability that the first username and the second username are both associated with a single entity may be determined. In at least one arrangement, in response to determining that the probability exceeds a threshold, it may be determined that the first username and the second username are both associated with the single entity. In at least one additional arrangement, the threshold may be modified automatically based on previously analyzed incident data.
A computer system enables a business to determine a structure of a software application, obtain staffing information assigned to the application, and determine a staffing gap for different levels of the application. Staffing assessment may be expanded to a software portfolio that typically includes different applications and further to a line of business segment that corresponds to one or more portfolios. Supply coverage and demand coverage for each of the application levels is then determined so that staffing gaps for each of the application levels can be assessed. Staffing information may include staffing at different skill levels include subject matter experts, specialists, and generalists. The structure of an application may include modules that further include sub-modules. A training plan may be invoked when staffing is overly dependent on contractor support.
Embodiments of the invention relate to systems, methods, and computer program products for client/customer-centric macro (e.g., business-wide) monitoring of business performance and determination of business- wide customer impact trends associated with the client's/customer's composite relationship with the business. Additionally, embodiments provide for determining customer impact trends at other levels of the business relationship, such as at business unit/line of business levels, product/service levels and the like. Based on the determined customer impact trends, further determinations may be made regarding whether alerts are warranted based on the trends, and generating and communicating the alerts if warranted. Determining business-wide customer impact trends provides for the business to identify problems or potential problems that may adversely impact the global relationship between the overall client entity and the business implementing the performance monitoring system.
In general terms, embodiments of the present invention relate to methods and apparatuses for tracking payments and debts associated with a bankruptcy debtor. For example, some embodiments of the present invention are configured to: (a) receive information associated with one or more payments, where the one or more payments are associated with a debtor; (b) determine that a first portion of the one or more payments applies to pre-petition debt associated with the debtor; (c) determine that a second portion of the one or more payments applies to post-petition debt associated with the debtor; and (d) post, to a network-accessible account associated with the debtor, information that indicates that the first portion applies to the pre-petition debt and information that indicates that the second portion applies to the post-petition debt.
In some embodiments, a data movement system comprises a memory and a workflow manager. The memory is operable to store a request to move data from one or more jurisdictions, the request comprising (a) a data type, (b) a jurisdiction from which the data is to be moved, and (c) a purpose for moving the data. The workflow manager is configured to identify a set of data movement rules based at least in part upon the request. The set of data movement rules are associated with regulations of the jurisdiction identified in the request. The workflow manager is configured to apply at least one rule of the set of data movement rules to identify an action item to be completed in order to comply at least in part with the regulations.
In some embodiments, a data movement system comprises a rules repository configured to store rules associated with regulations of the first jurisdiction and the regulations of the second jurisdiction. A workflow manager is configured to determine jurisdictional complexity of the project as a function of the regulations of the first jurisdiction and the second jurisdiction. The workflow manager is configured to determine jurisdictional exposure of the project as a function of an organization's exposure to the first jurisdiction and the second jurisdiction. The workflow manager is configured to determine the risk of the project as a function of the jurisdictional complexity of the project and the jurisdictional exposure of the project.
In some embodiments, a data movement system comprises a memory and a processor. The memory stores a request to move data from a first jurisdiction and at least one action item associated with the request, the request comprising (a) a data type, (b) a jurisdiction from which the data is to be moved, and (c) a purpose for moving the data. The processor receives an update to the request to move data, the update changing at least one of the data type, the jurisdiction from which the data is to be moved, or the purpose for moving the data. The processor identifies a set of data movement rules based at least in part upon the updated request to move data. The processor applies at least one rule to identify an update to the at least one action item to be completed in order to comply with the regulations.
Embodiments of the present invention provide apparatuses and methods for providing improved customer service and sales experiences through collaborative face-to-face interaction between a customer and an expert in another location. Some embodiments of the invention comprise apparatuses and methods for video collaboration between an associate of the business located on-site at the point of inquiry, the customer who requires customer service, and an expert located off-site, typically at a call center. Other embodiments of the invention comprise apparatuses and methods for queuing video collaboration and non-video collaboration calls within a call center. The embodiments of the invention relate to apparatuses and methods that can be used for any business that has on-site point of inquiry centers, but the apparatuses and methods are particularly useful for banking customers who enter banking centers to interact on a face-to-face basis with an expert in the area of the customer's needs.
Systems and methods are illustrated for transitioning data from one data store to another data store. The transition may occur according to comparison information received through a graphical user interface. For example, the comparison information may map data or columns in a source data store to data or columns in a target data store. A score may also be generated based on a comparison of the source and target. A report may indicate a successful or failed data transition based on the score.
Audit reporting applications provide audit users the ability to perform reviews of compliance procedures used throughout a business that require supervisors to take actions on the communication between personnel. The action analyzer tool compiles, filters, and sorts message and action information, allows more advance analytics about the information, and answers complex questions that are not easily available by looking at the raw message and action information. The action analyzer tool breaks down the actions taken in order to determine if the supervisors are trying to take credit for an action that they did not actually perform or otherwise violating the accepted procedures for proper supervision and compliance. The message and action information can be sorted into number of actions taken within a specific time frame, the number of actions performed after a specified date, and/or the number of actions taken without the message being reviewed, to name a few.
To customize information using a desktop module, a page editor application is used to modify information for presentation in a container on a computer, wherein the container facilitates interaction between a plurality of applications associated with a plurality of business units. Configuration information is received to modify the presentation of information. A processor creates a modifiable configuration file according to the configuration information, wherein the modifiable configuration file comprises instructions to present the information in the container on the computer. The processor accesses the modifiable configuration file to facilitate presentation of the information according to the received configuration information.
A data services framework visibility component is disclosed. A method includes receiving a request for data from a client and selecting, based at least in part on the request, a workflow to process the request. The method also includes selecting, based at least in part on the request, a visibility profile. The method also includes based on the request, generating a plurality of backend calls and based on the selected visibility profile, filtering the plurality of backend calls. Additionally, the method includes transmitting one or more of the plurality of filtered backend calls to one or more data sources and receiving, from each of the selected data sources, a response to the plurality of filtered backend calls. The method also includes transmitting the response to the client.
Interfacing between a plurality of applications includes opening the plurality of applications in a container according to a configuration file. The plurality of applications are associated with a plurality of business units. A processor determines an event subscription associated with each application, and determines whether an event changes context information associated with the event subscription. Each application is updated to indicate updated context information associated with the event subscription if the event changes the context information associated with the event subscription.
To customize information online using a site management module, a request is received, from a remote computer over a network, to modify information for presentation in a container on a computer, wherein the container facilitates interaction between a plurality of applications associated with a plurality of business units. Configuration information is received from the remote computer to modify the presentation of information. A processor generates a modifiable configuration file according to the configuration information, wherein the modifiable configuration file comprises instructions to present the information in the container on the computer.
G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
82.
SYSTEM AND METHOD FOR PROVIDING A COMMUNICATIONS QUEUING FRAMEWORK
A system includes a queuing module coupled to a first database and a delivery module coupled to a second database and the queuing module. The queuing module is operable to receive a plurality of communications from a plurality of applications and store the plurality of communications in the first database. The delivery module is operable to receive the stored plurality of communications from the queuing module, access end-user subscription information stored in the second database, determine, based on the end-user subscription information, one or more devices to receive the plurality of communications, and deliver the plurality of communications to the determined one or more devices on behalf of the plurality of applications. The end-user subscription information indicates one or more devices to receive the plurality of communications.
A data services framework workflow processing system and method is disclosed. The method includes receiving a request for data from a client and based on the request, determining a workflow to process the request. The method also includes based on the workflow, generating a plurality of backend calls. Additionally, the method includes based on the plurality of backend calls, selecting one or more data sources from a plurality of data sources. The method also includes transmitting one or more of the plurality of backend calls to the selected data sources and receiving, from each the selected data sources, a response to the plurality of backend calls.
Aspects of the present disclosure relate to a computer assisted method for detecting encrypted tunneling or proxy avoidance which may include electronically receiving information from a proxy server, extracting information regarding a CONNECT function of Hyper Text Transport Protocol (HTTP) from the electronically received information, determining at least one destination to which the extracted information regarding the CONNECT function of HTTP corresponds and attempting to negotiate a standard HTTPS session with each of the at least one destination. Further, the computer assisted method may further include, for each of the at least one destination, determining whether the destination is hosting an encrypted tunneling or proxy avoidance application, wherein such a determining may be based on characteristics of an Secure Socket Layer (SSL) certificate associated with the destination or a response received from the destination over a TCP/IP connection.
Systems and methods are illustrated that relate to displaying an output screen from a mobile device on a monitor in communication with a computer through a wireless network. The systems and methods may include the steps of: connecting the mobile device to the computer via a network, converting an output screen from the mobile device into a transferrable command, sending the transferrable command to the computer via the network, receiving the transferrable command from the mobile device, translating the transferrable command into one of a plurality of monitor display screens, sending the one of the plurality of monitor display screens to a monitor in communication with the computer, and/or displaying the one of a plurality of monitor display screens on the monitor.
G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
H04W 4/00 - Services specially adapted for wireless communication networks; Facilities therefor
A method for processing information, such as user preferences and other user information, operates in connection with a server and/or a browser device. A connection is established between the browser device and the server, and a unique identifier is transmitted from the server to the browser device for storage on the browser device. User information is then received at the server, from the browser device and stored in a memory of the server, and the unique identifier is associated with the user information in the memory of the server. The user information includes one or more of the following types of information: language preferences, graphic display configuration preferences, other display preferences, disability preferences, marketing preferences, content preferences, personal user information, browsing history information, visitor type information, customer status information, relationship information, and user analytic information.
G06F 3/00 - Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
87.
CONDITIONAL ESTABLISHMENT OF A COMMUNICATIONS CONNECTION WITH A MOBILE TERMINAL IN RESPONSE TO A QUERY FROM THE MOBILE TERMINAL
A mobile implementation channel supports the processing of a request for requested information for a customer of a business. The request may be generated through a wireless terminal and include a customer identification of the customer. Profile information about the customer may then be accessed and the user identification mapped to a device type of the customer. When the profile information indicates that the customer should be invited to interact with a representative the business, an invitation message is directed through the corresponding mobile communication channel type to the customer's device of the customer. The invitation message may include contact information and the requested information. The contact information may then be utilized to establish a communications connection between the customer and the representative of the business. Otherwise, only the requested information is directed through the mobile communication channel type to the customer's device.
G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
Embodiments of the invention provide apparatuses and methods that provide for a housing purchase program in which a seller agrees to sell a home at a reduced price in return for the buyer agreeing to share with the seller some portion of the home's future appreciation. For example, the seller may desire to sell a home at a first price but the potential buyer wants to purchase the home at a lower price. The seller may agree to sell the home at a price lower than that which the seller desires, but only if the buyer agrees to share some portion of the home's future appreciation. In some embodiments, the housing purchase program further includes a mortgagee/investor that, at least temporarily, pays- off or forgives the seller's remaining mortgage principal that is above the sale price if the seller agrees to pay the mortgagee/investor back with any future appreciation in which the seller shares.
A mobile implementation channel enables secure mobile customer alerts, content delivery, event and location awareness and context integration that can be leveraged across multiple lines of business using basic interfaces. The mobile implementation channel enables secure reach to many mobile device types, abstracts away delivery peculiarities, and provides logging and security support when necessary taking into account who the individual is, where they are, and what they may be doing. A business infrastructure that is associated with a workflow generates a request to a computer system that subsequently maps the user identification to a device type from a plurality of device types and directs the request to a device based on the device type. The request may include content that may be formatted in accordance with the device type and that may be pushed to a device at a desired time or frequency.
G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
A computer system interacts with a mobile device to support the needs of remote users and may leverage e-ink technology so that a mobile user can access, manage and read documents without being tethered. The mobile device allows for both user-initiated downloads from a corporate entity as well as corporate pushes by the corporate entity to ensure that the user has updated content. The computer system receives a request for selected electronic content, where the request includes updated configuration information and user identification. The computer system then maps the user identification to a device type from a plurality of device types. Embodiments support different device types including electronic ink display capable devices. The selected electronic content is then downloaded to the mobile device. Subsequently, the computer system pushes updated versions of the selected electronic content based on the updated configuration information.
G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
Various methods and systems are described, that, for example, receive at a computer a first request for a remote control session to remotely control the computer; responsive to receiving the first request, determine whether a local transaction is being performed at the computer; and responsive to determining that a local transaction is being performed at the computer, reject the first request.
G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
92.
SYSTEMS AND METHODS FOR AUTHENTICATING A USER FOR ACCESSING ACCOUNT INFORMATION USING A WEB-ENABLED DEVICE
Systems, methods, and computer program products are provided for authenticating and efficiently re-authenticating a user with a financial institution in order to gain access to account information using a web-enabled device. The web-enabled device stores user profiles associated with the user including authentication information provided by the user during primary authentication. The device retrieves the authentication information upon secondary authentication, that is, validation of the user's identity, which in some embodiments, includes local validation of a personal identification number ("PIN") and/or a remote control passcode ("RCP"). As such, the web-enabled device re-authenticates the user without requiring authentication communication with a financial institution server, and thereafter, the user interacts with an application running on the web-enabled device to retrieve desired account information from the financial institution server.
Aspects of this disclosure relate to a computer which may include a processor and memory storing computer executable instructions that, when executed, cause the computer to perform a method for preparing an image replacement document. According to aspects of the disclosure, the method may include electronically receiving a notification of a potential defect in a negotiable instrument, associated with a financial transaction, uploaded at an automated teller machine (ATM), electronically receiving an electronic copy of an image of the negotiable instrument uploaded at the ATM, and electronically receiving information regarding the financial transaction which included the negotiable instrument being uploaded at the ATM, wherein the information regarding the financial transaction includes an account number of an account into which funds of the negotiable instrument are to be credited.
Quarantining the out of compliance client device prevents the out of compliance device from corrupting other client devices on the network. For example, in operation, embodiments of the present invention involve: (1) receiving identification and location information for an out of compliance client device; (2) running a tool that utilizes the identification and location information to access the out of compliance device; (3) using the tool to modify the out of compliance device such that the out of compliance client device broadcasts a request for configuration information to which a network server is programmed to respond with configuration information associated with an isolated network; and (4) using the tool to cause the out of compliance client device to logout of the network. When the device logs back into the network, the network server responds by directing the device to the isolated network.
Described herein are apparatuses, methods, and computer program products for changing an out of compliance client device into a client device that is in compliance utilizing a compliance tool. In some embodiments of the invention the compliance tool identifies the location of the out of compliance client device, determines why the client device is out of compliance, brings the client device into compliance, and modifies the client device to allow it to access the network. In other embodiments of the invention the compliance tool is a compliance agent, wherein at a least a part of the compliance agent is uploaded on the client device. The compliance agent periodically checks the client device to determine if the client device has been brought into compliance, and when it is brought into compliance the compliance agent modifies the client device to allow it to access the network, and is then uninstalled from the client device.
A control automation tool ("CAT") is configured for supporting discrete management of controls and their corresponding metrics. The control automation tool includes a software application connected with, stored on, and executed by one or more relational, closed-loop data repositories and computer systems. The use and maturation of a control within an organization depends on management of operational performance and expenses, which the CAT assists through lean project management, effective implementation of action plans and financial functions. Further, people resources, organizational hierarchy and access management functions are used to support mapping of controls arranged by organizational unit and support access permissions that are consistent with appropriate data management. The CAT also provides transparency and meaning to control and metric status and relevant data regarding controls and their associated metrics and is configured for ease of control and metric management via the CAT interface.
Embodiments of the invention relate to apparatuses, methods, and computer program products for providing notification messages relating to observations made about a customer's use of an account that is held by a bank. For example, one embodiment of the invention provides a bank computer system having a memory communicably coupled to a communication device and a processor. In one embodiment, the memory stores information about the customer's use of account services and features, including online banking. The processor is configured to monitor the information and make observations about the customer's use of the account services and features, and use the communication device to communicate a notification message containing information relating to how the customer could better utilize the account services and features.
G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
Electronic content is routed and stored within an enterprise, in which a distributed service-oriented architecture platform is provided to seamlessly route and store content to heterogeneous enterprise content repositories. Dynamic content may be stored, retrieved and queried in real-time through a content service bus (CSB), thus eliminating the need to have point-to-point connectivity between client applications and the destination repositories, while supporting the flexibility to consolidate multiple platforms with minimal impacts to clients. The CSB framework may incorporate underlying technologies, including Web services, intelligent routing based on content, message transformation, and federation of content. A request may be routed to the appropriate content repository based on attached content or metadata in the request and transformed by the CSB to a format required by the determined content repository. The requestor is subsequently provided a response from the content repository in a consistent manner for all of the content repositories.
Systems, apparatuses, and methods may include establishing an omnibus account for conducting financial transactions with a financial institution, establishing a brokerage account for each of a plurality of customers, receiving a plurality of order requests to make transfers of respective customer-specified monetary amounts between a subset of the brokerage accounts and the omnibus account, aggregating the monetary amounts to determine a net monetary amount based on the order requests, generating a payment order based on the net monetary amount, communicating the payment order to the financial institution, and receiving confirmation from the financial institution in response to the payment order to execute the order requests.
Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining a deposit amount for the deposit item; (c) determining a payee account to receive the deposit item; (d) determining a hold limit for the payee account; and (e) determining a hold decision for the deposit item based at least partially on a comparison of the deposit amount to the hold limit. In some embodiments, the hold limit is based at least partially on (a) an account balance associated with the payee account, and (b) one or more other characteristics associated with the payee account.
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