Abstract: An intrusion detection system and method includes an intrusion detection system processor communicatively coupled to multiple environmental change event sensors disposed within an enclosure housing a CPU of an ATM and independent of the CPU of the ATM. In response to receiving an environmental change event notification from one or more of the environmental change event sensors, the intrusion detection system processor commences a predetermined time-out period for entry of valid authentication credentials and deactivates a power supply of the automated teller machine upon expiry of the time-out period without receiving entry of valid authentication credentials.

Abstract: Devices and methods for single sign-on and regulatory compliance involve a processor of a communication device executing a first entity application that stores user authentication data on a secure vault element of the communication device. Thereafter, the stored user authentication data is retrieved from the secure vault element by the processor executing a second entity application, and the processor executing the second entity application logs the user into the second entity application based on the user authentication data retrieved from the secure vault element without requiring entry of further user authentication data.

Abstract: Computer file copy systems and methods in which a list of files to be transferred from storage on a source file storage computer is sorted by one or more processors of a copy computer in ascending order from a smallest file size to a largest file size. Thereafter, files having the smallest file sizes are selected from the sorted files such that a total size of the selected files is equal to or less than a total size of memory available on the copy computer, the selected files are copied concurrently with one another from storage on the source file storage computer to the available copy computer memory by the one or more processors, the files are written concurrently with one another from the memory on the copy computer to storage on a target file storage computer by the one or more processors, and the process is performed iteratively.

Abstract: Systems and methods involve an input layer function of a function-as-a-service (FaaS) pipeline that receives trigger data from a trigger layer function of one or more processors of enterprise processing systems, calls one or more processors of an enrich layer function of the FaaS pipeline that adds enriching context to the trigger data, and creates an event based at least in part on the enriched trigger data. A route layer function of the FaaS pipeline invoked by the input layer function creates an action based on the event created by the input layer function. An action layer function of the FaaS pipeline invoked by the route layer function creates a command based on the action created by the route layer function, and the action layer function sends a remediation action to a command layer function of the enterprise processor based on the action created by the route layer function.

Abstract: Methods and systems for accessing customer account information involve, for example, binding a computing device with a customer's profile via one or more attributes of the computing device and an encrypted token stored on the computing device and thereafter receiving an authentication request consisting at least in part of the computing device attributes and the encrypted token stored on the computing device. A determination is made as to whether or not entry of a customer credential was received within a pre-determined preceding interval of time, and predefined customer account information is displayed on the computing device without requiring entry of the customer credential when a determination is made that entry of the customer credential was received within the pre-determined preceding interval of time.

Abstract: Computer computer-implemented methods and systems for creating and managing website content involve, for example, providing a user at a computer terminal a data capture template for a user-selected content type, providing the user at the computer terminal presentation pages using content management tags, allowing the user at the computer terminal to author content using the data capture template, and allowing the user at the computer terminal to deploy the content to a server. Other aspects of the methods and systems for creating and managing website content include, for example, allowing the user to personalize content, allowing the user to embed dynamic content in the middle of static content, allowing the user to refresh the deployed content in real-time without impacting current existing user sessions on the server where content is being deployed.

Abstract: A computer-implemented method for customizing a user interface comprises receiving, from a touchpoint device, identification information entered by a user; accessing a record of the user from a database using the received identification information; determining whether the record has any application windows configured for the user interface on the touchpoint device; transmitting, by a server to the touchpoint device, at least a first financial application window and a second financial application window identified by the record of the user for display of the first financial application window and the second financial application window simultaneously on the user interface of the touchpoint device; receiving instructions from the user via the first financial application window to perform a financial transaction; and performing, by a server, the financial transaction while the touchpoint device displays at least the first financial application window and the second financial application window, wherein the firs

Abstract: Methods and systems for providing global consolidated statement involve, for example, collecting, using a processor coupled to memory, customer account data from billing systems for each of a plurality of accounts of a plurality of business units of an entity. Likewise using the processor, the customer account data is collated across the plurality of accounts of the plurality of business units. Also using the processor, a single consolidated customer account statement is generated showing the collated customer account data across the plurality of accounts of the plurality of business units.

Abstract: Methods and system for transferring funds supports funds transfers from a source account to a cash access file which can be accessed virtually twenty-four hours a day by both customers and non-customers. Cash may be transferred across international borders and dispensed in a currency different than that of the sender's source account and is made available to a recipient virtually as soon as the requested transfer is approved and confirmed by the sender. A subset of payees that is uniquely associated with the sender and includes a payee and a destination account for the payee is presented in a payee list database. Thereafter, a payee list is displayed for the sender at a terminal in response to entry of a request by the sender for a transfer of funds, and upon selection by the sender of a payee from the payee list and entry of a requested transfer amount, the requested amount is transferred e.g.

Abstract: A method and system for implementing on-line financial institution services via a single physical and logical platform deploys global online banking applications in an environment in which the applications are built from a single source base and adapted to various business rules and languages associated with different regions, countries and businesses. Separate web apps are created for each individual business according to contextual attributes, and application servers running the context dependent web apps provide the interface between customers and banking functionality. The platform relies in part on reuse of appropriate components to achieve integration, as well as sharing of core services. As a result of the independent nature of business specific components, each business may require different versions of application software and may update or implement new components without affecting existing business components.

Abstract: A method and system comprising: receiving, by a master program administrator server from a first asset purchasing entity server, a first asset purchasing entity portfolio report on a periodic basis and from a second asset purchasing entity server, a second asset purchasing entity portfolio report on a periodic basis. Transmitting, by the master program administrator server to a program asset administrator server, the first asset purchasing entity portfolio report and the second asset purchasing entity portfolio report, and a central funding entity collection report based on payment collection from the first asset purchasing entity server and the second asset purchasing entity server. Receiving, by the master program administrator server from the program asset administrator server, an analysis report based and transmitting an action item based on the analysis report.

Abstract: A payment device has identifiers, read in a magnetic strip or visual indicia by a healthcare provider, for an influenza vaccine and an account issued by an issuer to a party (e.g.; a governmental entity) upon which a transaction can be conducted that is limited to administering the influenza vaccine. The healthcare provider sends an authorization request for the transaction for delivery through its acquirer and a transaction handler to the issuer. The issuer uses the identifiers to authorize the healthcare provider to administer the influenza vaccine and to conduct the transaction, and sends an authorization response to the authorization request back through the transaction handler and the acquirer. After the receiving of the authorization response, the healthcare provider administers the influenza vaccine and conducts the transaction on the account for the sale of the service of the administering of the influenza vaccine.

Abstract: Methods and systems for controlling certificate-based open payment transactions involving a merchant and a customer utilizing various types of networks and terminals. Prior to accessing a merchant POS terminal or, for example, a merchant website, a customer obtains a certificate from a service provider (SP), such as a bank, certifying his identification (ID) and his relevant financial information, in a form that is understandable by the SP. The SP is capable of performing multiple functions. For example, the SP is capable of acting as a certificate authority when it issues the customer's certificates, an authenticator when it receives private-key encrypted certificates from the customers to be decrypted using the corresponding public-key, and an authorizing authority when it checks the value available in a customer' chosen payment account against the requested purchase or transfer amount.

Abstract: Mobile communication devices, systems, and methods involve receiving an extension of a trading-related application running on a mobile computing device by one or more processors of a wearable computing device and displaying a visualization of trading-related data on a display screen of the wearable computing device received via wireless communication with the mobile computing device from one or more back-end servers. A capture of input on the wearable computing device is detected by the mobile computing device via wireless communication with the wearable computing device and forwarded by the mobile computing device to the one or more backend servers.

Abstract: The methods and systems disclosed herein attempt to overcome the deficiencies of the conventional methods and systems by providing a prepaid card for reimbursing a healthcare service provider for the cost of providing a patient with a specific healthcare service. A prepaid card can identify a specific healthcare service and can be used by a patient at a healthcare service provider to obtain the healthcare service of administering a controlled substance for which the patient does not have a prescription. The prepaid card can be associated with one or more accounts of third parties who may be financially responsible for reimbursing the healthcare service provider for the cost of providing the controlled substance and/or the specific healthcare service to the patient.

Abstract: The methods and systems described herein attempt to resolve the deficiencies of the conventional systems by using pre-loaded templates and extracting comprehensively populated payment files in an industry standard format for processing. In one embodiment, a computer-implemented method for generating a payment file comprises receiving, by a computer, a request for a payment to a beneficiary; receiving, by a computer, a selection of the beneficiary for payment; receiving, by a computer, a request to pay the beneficiary using a template; retrieving, by a computer, the template from a database, wherein the template has a plurality of business rules for completing a plurality of data fields; extracting, by a computer, information from a database to complete the data fields of the template; and generating, by a computer, a payment file by completing the data fields of the template according to the plurality of business rules.

Abstract: Methods and systems for managing transactional risk involve, for example, receiving and assessing, using a processor coupled to memory, entity payment transaction information for a predetermined level of risk based at least in part on a payment transaction history of the entity. Likewise using the processor, a report of the predetermined level of risk may be generated, and the payment transaction may be processed for the entity according to predefined processing instructions of the entity.

Abstract: In one embodiment, a computer-implemented method for calculating the price of a corporate loan comprises receiving, by a server, a first data input regarding a particular corporate loan; receiving, by the server, a second data input regarding market data; generating a pricing lattice for the corporate loan, wherein the pricing lattice has a first axis for a credit rating and a second axis for a time period; and deriving, by a server, using backward induction, a value for the corporate loan.

Abstract: Systems and methods for container orchestration security employ one or more processors that separate a lifecycle of one or more containers into a plurality of predefined container image lifecycle phases; segregates control of the plurality of predefined container image lifecycle phases into a plurality of control environments separately controlled by different enterprise control components isolated from one another. In addition, one or more external processors may generate one or more certificates that are based on the platform, state attributes and meta data for interaction of the container with one or more external nodes. The one or more processors may also control the promotion, update and deletion of container images between the plurality of lifecycle phases and registries in different control environments as well as between the enterprise registries and the plurality of other registries that are part of multiple external clouds.

Abstract: A financial institution can provide a best price guarantee to debit or credit card account holders. By providing a consolidated system including automatic price monitoring of purchased products and automatic claim form generation upon identifying a lower price, the consumer is relieved of the burden typically associated with conventional price matching.

Abstract: Methods and systems for controlling certificate-based open payment transactions involving a merchant and a customer utilizing various types of networks and terminals. Prior to accessing a merchant POS terminal or, for example, a merchant website, a customer obtains a certificate from a service provider (SP), such as a bank, certifying his identification (ID) and his relevant financial information, in a form that is understandable by the SP. The SP is capable of performing multiple functions. For example, the SP is capable of acting as a certificate authority when it issues the customer's certificates, an authenticator when it receives private-key encrypted certificates from the customers to be decrypted using the corresponding public-key, and an authorizing authority when it checks the value available in a customer' chosen payment account against the requested purchase or transfer amount.

Abstract: Methods and systems for managing a graphical user interface involve, for example, one or more processors displaying on a display screen a visualization of a hub element defined in part by an arc-shaped boundary portion and defining a badge element within the visualization of the hub element. Thereafter, a radial menu element may be animated by the one or more processors for rotation to a position adjacent and extending radially from the arc-shaped boundary portion of the hub element and defined in part by an arc-shaped boundary portion of the radial menu element spaced apart from the arc-shaped boundary portion of the hub element.

Abstract: Methods and systems for generating and reusing dynamic web content involve, for example, automatically generating client-side code on a server at run time, and automatically downloading the client-side code to the client side at run time. The client-side code is executed on the client side to become a widget with dynamic behavior attributes displayed as a component of a web page on a display screen of a client-side computing device. Dynamic behavior of the client-side code may triggered via an event handler mechanism wherein properties of the client-side code are dynamically changed without affecting any other content on the web page. The widget may be redisplayed on a subsequent occasion with a change in the widget without regenerating the client-side code.

Abstract: A detection device and method includes a tongue component having a distal end portion that is insertable a predetermined distance into a card entry slot of a card reader and also having an electrical contact disposed on the distal end portion of the tongue component. A signal component coupled to the electrical contact is activated in response to receiving an electric current by the signal component via the electrical contact disposed on said distal end portion of the tongue component when the distal end portion of the tongue component is inserted the predetermined distance into the card entry slot. An overlay component having portions defining a surface topography corresponding to a surface topography of portions of a bezel area of the card entry slot supports a proximal end portion of the tongue component.

Abstract: Methods and systems for activating an electronic payments infrastructure employ, for example, a token consisting at least in part of a unique identifier assigned to an inactive header account which is provided on a customer's electronic device. The unique identifier is processable via a transaction processing network. A request, which includes customer information, is received to verify that activation of the header account for the customer is compliant with predefined customer identification rules. A determination is made that activation of the header account for the customer is compliant with the predefined customer identification rules. An activation message is sent to the customer's device using the interface processor, the header account is linked to a digital wallet on a database, and the customer's designation of a source account for the digital wallet is received on the database. The header account can be used in transactions with either on-us or off-us source accounts.

Abstract: Methods and systems for providing graphical user interfaces (GUIs) displaying and manipulating visualizations of data involve, for example, displaying, in a graphical user interface, a visually static element representing a risk function threshold value and an animatible element representing a current magnitude of a variable risk function value spaced a distance from the visually static element that is proportional to a difference between the risk function threshold value and the current magnitude of the variable risk function value, and animating the animatible element to change its distance from the visually static element by an amount proportional to a change in the current magnitude of the variable risk function value.

Abstract: Deduplication and compression evaluation methods and systems involve one or more processors obfuscating plain text file data in each file of a computer file system using a first cipher encryption scheme, obfuscating each plain text file name representing the plain text file data in each file of the computer file system using a second cipher encryption scheme, and associating each obfuscated file name representing the plain text file data of each of the plurality of files of the computer file system with the obfuscated file data of each of the plurality of files of the computer system. In addition, each plain text directory name for each of the obfuscated file names associated with the obfuscated file data in each of the plurality of files of the computer file system is obfuscated using a third cipher encryption scheme.

Abstract: Computer computer-implemented methods and systems for creating and managing website content involve, for example, providing a user at a computer terminal a data capture template for a user-selected content type, providing the user at the computer terminal presentation pages using content management tags, allowing the user at the computer terminal to author content using the data capture template, and allowing the user at the computer terminal to deploy the content to a server. Other aspects of the methods and systems for creating and managing website content include, for example, allowing the user to personalize content, allowing the user to embed dynamic content in the middle of static content, allowing the user to refresh the deployed content in real-time without impacting current existing user sessions on the server where content is being deployed.

Abstract: Methods and systems for creating and maintaining a virtual library of virtual hard disks involve one or more processors partitioning resources on a physical host computer into at least one virtual machine having at least one virtual hard disk attached to the virtual machine and loading pre-selected custom content on the virtual hard disk. Thereafter, the virtual hard disk may be detached from the virtual machine and cataloged in a database together with control parameters limiting cloning of the detached virtual hard disk. At a later time, the cataloged virtual hard disk loaded with the pre-selected custom content may be attached from the database to the virtual machine on the physical host computer.

Abstract: Methods and systems for performing electronic transactions involve receiving, using a processor coupled to memory, from a mobile application on a user's mobile device processor, a transaction message consisting at least in part of the user's account information obtained by the mobile application reading user account information encoded on a token of the user that is physically distinct from the mobile device processor and a transaction request for the user. Using the processor, the user's account information is verified and a transaction confirmation message is generated and sent to the mobile application on the user's mobile device processor.

Abstract: Methods and systems for assessing data involve, collecting samples of data elements from a database storing a population of data elements representing attributes of each numerous different financial transactions. Critical data elements from the collected samples are determined. Data quality rules are built and data dimensions are calculated for the critical data elements. A quality of data within the critical data elements for different data quality dimensions is monitored. Critical data elements that produce a high number of outliers are identified and causes for the outliers are identified. Thereafter, a corrective action plan to address a solution for the causes for the outliers may be developed and executed.

Abstract: Systems and methods involve an intelligent application mapping function of a central platform that maps a direct interactive electronic communication channel between an issuer terminal and an investor terminal based at least partly on investor positions in the issuer held by respective custodial intermediaries in a chain of custodial intermediaries for the investor. Thereafter, an intelligent application notification function of the platform transmits, via the direct interactive electronic communication channel to the investor terminal, data representing a notification regarding a meeting for the issuer, and an intelligent application voting function of the platform returns, from the investor terminal via the direct interactive electronic communication channel to the processor of the issuer terminal, data representing an exercise of investor voting rights associated with the investor positions for the investor.

Abstract: The present invention relates to a method and system for evaluating the cause and effect of advertising and marketing programs using card transaction data. In one embodiment, access is provided to voluminous card-holder transaction data detailing accurate-to-the-penny transaction amounts, twenty-four hour active customers, and a multi-year transaction history per customer. Furthermore, such data is captured in real-time, and due to the sample size, can provide granular, statistically significant information at a local level for client and merchant coverage.

Abstract: A fraud early warning system and method for monitoring transactional behavior of an account holder and evaluating that behavior by comparing it to biographical data and/or the past behavior of the account holder. The system and method is applicable to real-time wire transfers, online transactions, automated teller machine transactions, point-of-sale transactions, etc.

Abstract: A system, method and apparatus for exchanging value using a smart card in a financial transaction is disclosed. The system includes a smart card having a contact interface and a contactless interface interactive with a closed purse application and an open purse application controlled by a microprocessor. The closed purse application contains application-specific value, while the open purse contains general value. The application-specific value and general value are each compatible within the system of the invention to perform and settle the financial transaction. The financial transaction may include the smart card communicating with a load terminal or a transaction terminal to add or change the amount of value on the smart card. Further, the present invention include auto-load functionality for adding an amount of value to the smart card. Finally, applications such as a transportation application and a loyalty application are described.

Abstract: Methods and systems for generating and reusing dynamic web content involve, for example, automatically generating client-side code on a server at run time, and automatically downloading the client-side code to the client side at run time. The client-side code is executed on the client side to become a widget with dynamic behavior attributes displayed as a component of a web page on a display screen of a client-side computing device. Dynamic behavior of the client-side code may triggered via an event handler mechanism wherein properties of the client-side code are dynamically changed without affecting any other content on the web page. The widget may be redisplayed on a subsequent occasion with a change in the widget without regenerating the client-side code.

Abstract: A method and system of smart card banking utilizes a contactless communication interface, such as infrared or a wireless or radio frequency interface, including, for example, a proximity interface. A contactless communication is initiated for a smart card user between a smart card application and the on-line system of a financial institution, such as a bank, the system verifies authorization for the communication, the information is communicated for the user to the on-line system. The contactless communication is initiated, and the information is communicated, for example, between a contactless interface transceiver of a personal data assistant, into which the smart card is inserted, and the contactless interface transceiver of an on-line terminal. Alternatively, the contactless communication is initiated, and the information is communicated between a contactless interface transceiver of the smart card and the contactless interface transceiver of the terminal.

Abstract: The methods and systems described herein attempt to provide a card where a consumer can reload the card with additional funds at a point of sale whereby no new or additional hardware is needed, the consumer can have access to the funds immediately, and the consumer does not need to perform any additional steps beyond conducting the transaction at a point of sale.

Abstract: Deduplication and compression evaluation methods and systems involve one or more processors obfuscating plain text file data in each file of a computer file system using a first cipher encryption scheme, obfuscating each plain text file name representing the plain text file data in each file of the computer file system using a second cipher encryption scheme, and associating each obfuscated file name representing the plain text file data of each of the plurality of files of the computer file system with the obfuscated file data of each of the plurality of files of the computer system. In addition, each plain text directory name for each of the obfuscated file names associated with the obfuscated file data in each of the plurality of files of the computer file system is obfuscated using a third cipher encryption scheme.

Abstract: The systems and methods described herein allow an electronic transaction to be performed upon determining, via biometric data, that an authorized individual is conducting the transaction. This may involve receiving, by a computer system, a request to authorize an electronic transaction for an account. The computer system is configured to access a phone number, which is stored in computer memory and associated with the enrolled user of the account. An automated and outward call to the phone number is performed by the computer system. The computer system is configured to capture a voiceprint in association with voice data received from the automated call. The captured voiceprint is compared to a registered voiceprint, which is stored in the computer memory in association with the enrolled user. The computer system responds to the request to authorize the secure electronic transaction based on said comparison.

Abstract: Methods and systems for managing directory information, such as onboarding a LDAP server, employing a processor coupled to memory and other computer hardware and software components for receiving a request related to one or more applications from a requestor in pre-determined business logic, acknowledging the request by an approver function without requiring the requestor to negotiate, for example, with an LDAP administrator to justify the request, and provisioning the request into the enterprise LDAP server in the pre-determined business logic.

Abstract: A method and system automatically harmonizes access to a given software application program via different access devices. The financial institution receives information from the user via the user's access device, including information identifying the type of device being used and the application program the user wishes to access. The application program is then accessed and the information to be displayed to the user is identified. This information is automatically translated into a format which is compatible with the device, including its display, and sent to the device for display. The user, in turn, inputs information in response to the displayed information and this input information is automatically translated into a format which is compatible with the application program and is sent to the application program. The response generated by the application program is automatically translated to be compatible with the device and is sent to the device.

Abstract: A method and system automatically harmonizes access to a given software application program via different access devices. The financial institution receives information from the user via the user's access device, including information identifying the type of device being used and the application program the user wishes to access. The application program is then accessed and the information to be displayed to the user is identified. This information is automatically translated into a format which is compatible with the device, including its display, and sent to the device for display. The user, in turn, inputs information in response to the displayed information and this input information is automatically translated into a format which is compatible with the application program and is sent to the application program. The response generated by the application program is automatically translated to be compatible with the device and is sent to the device.

Abstract: Providing an account-based product. A communications portal is provided and consumer data is received via the portal. At least one derived characteristic, e.g., qualification, is determined contemporaneously from the consumer data. A product set is presented, via the portal, including at least one product determined at least in part by the derived characteristic. A selection from the product set is received via the portal, and at least one product feature, e.g., balance transfer, of at least one selected product is activated contemporaneous with the product selection.

Abstract: Methods and systems for controlling certificate-based open payment transactions involving a merchant and a customer utilizing various types of networks and terminals. Prior to accessing a merchant POS terminal or, for example, a merchant website, a customer obtains a certificate from a service provider (SP), such as a bank, certifying his identification (ID) and his relevant financial information, in a form that is understandable by the SP. The SP is capable of performing multiple functions. For example, the SP is capable of acting as a certificate authority when it issues the customer's certificates, an authenticator when it receives private-key encrypted certificates from the customers to be decrypted using the corresponding public-key, and an authorizing authority when it checks the value available in a customer' chosen payment account against the requested purchase or transfer amount.

Abstract: Methods and systems for generating and reusing dynamic web content involve, for example, automatically generating client-side code on a server at run time, and automatically downloading the client-side code to the client side at run time. The client-side code is executed on the client side to become a widget with dynamic behavior attributes displayed as a component of a web page on a display screen of a client-side computing device. Dynamic behavior of the client-side code may triggered via an event handler mechanism wherein properties of the client-side code are dynamically changed without affecting any other content on the web page. The widget may be redisplayed on a subsequent occasion with a change in the widget without regenerating the client-side code.

Abstract: A method and system for the issuance of Instant Credit has an Instant Credit engine that performs instantaneous analyses. The method and system can operate along side existing “batch” processes. In addition, the method and system offer various channels of distribution for the Instant Credit products. With the present invention, Instant Credit and other Instant services (e.g., instant account balance transfers, etc.) can be obtained via, Internet, point-of-sale and other distribution channels. The present system also enables highly dynamic product offerings, which can be generated “instantaneously” based on a variety of factors, such as, for example, the channels of distribution (e.g., telephone or Internet), the product sought and/or even the particular individual and/or entity that is applying for a line of credit.

Abstract: Deduplication and compression evaluation methods and systems involve one or more processors generating a hash value for each block of data in a block storage device and creating a random substitution cypher using the respective hash values for each of said blocks of data as seed values to a random number generator. Thereafter, positions of run lengths for each of said blocks of data are randomly shuffled by the one or more processors with no run lengths having identical run length values disposed adjacent one another, a synthetic version of each of said blocks of data is generated using the substituted, shuffled, run lengths.

Abstract: A method and system for automated settlement and on-line debiting of a financial transaction, such as an emergency-cash transaction, is provided. A bank customer enters a foreign-branch bank and indicates a need for emergency cash. The customer is given a telephone by which the customer communicates with an interactive-voice response system in the customer's language. The system bridges the customer with the customer's home bank, which approves the requested emergency cash. A network in communication with the voice response system and with the issuer automatically initiates an on-line debiting of an account of the customer. The network also initiates and carries out settlement between the acquirer and the issuer by way of settlement accounts.