Account establishment and transaction management using biometrics and intelligent recommendation engine

    公开(公告)号:US11803898B2

    公开(公告)日:2023-10-31

    申请号:US17411978

    申请日:2021-08-25

    IPC分类号: G06Q40/02 G06Q20/40

    CPC分类号: G06Q40/02 G06Q20/40145

    摘要: Aspects of the disclosure relate to identity management and recommendation. A computing platform may receive a request to access information associated with one or more user accounts. The computing platform may send a biometric authentication prompt for identifying a user. The computing platform may receive biometric input of the user. The computing platform may retrieve one or more biometric enrollment templates from a database. The computing platform may compare the biometric input to the one or more biometric enrollment templates to determine if a match exists between the biometric input and one of the one or more biometric enrollment templates. Responsive to the user being authenticated based upon a match, the computing platform may retrieve and send information associated with the one or more user accounts. The computing platform may generate and send one or more recommendations associated with usage of the one or more user accounts.

    System for secure distribution of peer requests for resources

    公开(公告)号:US11615405B2

    公开(公告)日:2023-03-28

    申请号:US17747181

    申请日:2022-05-18

    摘要: Aspects of the disclosure relate to a system that provides enhanced security of information transmitted by connected devices. The system may be used to request resources from members of a donee's virtual group. Donated funds or line of credit may be loaded to the donee's digital wallet with no link to any of the donee's personal accounts. The request for resources may utilize secure correspondence between the donee and the prospective donors. The secure correspondence may be locked and prevented from being forwarded or captured via a screenshot to ensure confidentiality. If an attempt is made to forward or copy the secure correspondence, the secure correspondence may be deleted. Donated funds/line of credit may be allocated for specific use, and may not be owned by the donee until used.

    SYSTEM FOR SECURE DISTRIBUTION OF PEER REQUESTS FOR RESOURCES

    公开(公告)号:US20220277296A1

    公开(公告)日:2022-09-01

    申请号:US17747181

    申请日:2022-05-18

    摘要: Aspects of the disclosure relate to a system that provides enhanced security of information transmitted by connected devices. The system may be used to request resources from members of a donee's virtual group. Donated funds or line of credit may be loaded to the donee's digital wallet with no link to any of the donee's personal accounts. The request for resources may utilize secure correspondence between the donee and the prospective donors. The secure correspondence may be locked and prevented from being forwarded or captured via a screenshot to ensure confidentiality. If an attempt is made to forward or copy the secure correspondence, the secure correspondence may be deleted. Donated funds/line of credit may be allocated for specific use, and may not be owned by the donee until used.

    CARD READER WITH SILENT COERCION ALARM

    公开(公告)号:US20210110679A1

    公开(公告)日:2021-04-15

    申请号:US16598370

    申请日:2019-10-10

    摘要: Apparatus and methods for providing protection from economic exploitation. The apparatus and methods may include a platform for tagging a social security number and/or other suitable identification number. The system may allow a person associated with a social security number to automatically flag and deny any product or service request associated with the social security number. The alarms are “silent,” because the alarm may initiate an institution internal process in which the customer interaction with the institution follows a normal diligence process until an intervention can be effectively executed on behalf of the customer. This reduces the likelihood of a reaction from the customer's associate prior to completing the diligence process. A system may provide the customer with an opportunity to electronically activate an alarm by typing keystrokes on a card reader keypad or interacting with a physical sensor on the reader, on the card, or the like.

    System for smart contract dependent resource transfer

    公开(公告)号:US10963173B2

    公开(公告)日:2021-03-30

    申请号:US16268062

    申请日:2019-02-05

    摘要: A system, computer program product, and computer-implemented method for smart contract dependent resource transfer are disclosed. The system is configured to establish a smart contract between a first storage location and a second storage location, the smart contract being configured for conditionally transferring resources between the first storage location and the second storage location; monitor the first storage location to determine that a first transfer condition has been met; based on determining that the first transfer condition has been met, automatically transfer a number of resources from the second storage location to the first storage location; determine that a second transfer condition has been met; and automatically transfer the number of resources from the first storage location to the second storage location based on determining that the second transfer condition has been met.

    SYSTEM FOR REAL TIME PROVISIONING OF RESOURCES BASED ON CONDITION MONITORING

    公开(公告)号:US20200249993A1

    公开(公告)日:2020-08-06

    申请号:US16267730

    申请日:2019-02-05

    IPC分类号: G06F9/50 G06N20/00 G06F21/62

    摘要: Embodiments of the present disclosure provide a system for real time provisioning and optimization of a user's resources based on both historical and real time data associated with the user. In particular, the system may comprise a data analytics engine which may continuously analyze user data from various data sources. The aggregated data may be processed through a predictive engine which may use artificial intelligence and/or machine learning to predict a user's actions within the system. Based on the prediction, the system may provide an optimized allocation of resources with respect to the predicted actions of the user.