JPMorgan Chase Bank, N.A

In some embodiments, the techniques described herein relate to a method including: receiving a user input message within a conversational session; indexing the message with metadata fields including a message identifier, a content, a timestamp, a user identification, a session identification, at least two keywords, and at least two entities; expanding the user input using a lexical database to include synonyms, keywords, and entities for broader contextual recall; applying recentness filtering to prioritize recall of recent interactions, emulating human short-term memory; ranking potential responses using a context-sensitive scoring mechanism based on recentness, content relevance, keywords, and entities; storing and indexing a plurality of features ranked based on frequency; searching a database to manage contextual memory, leveraging keywords and entities to retrieve the ranked features from the indexed conversational history; generating a dynamic prompt template based on user input, session history, and contextual memory to produce the response.

Systems and methods for suspicious login intercept using authentication confidence score on a trusted login are disclosed. A method may include: (1) receiving, by a computer program executed by an electronic device, a current login attempt by a user using a user electronic device; (2) generating, by the computer program, an authentication confidence score based on the current login attempt; (3) retrieving, by the computer program, login event attributes for a past login event with a low authentication confidence score in response to the current login attempt having a high authentication confidence score; (4) displaying, by the computer program, the login event attributes on the user electronic device; (5) receiving, by the computer program, a request to deactivate a user electronic device involved in the past login event; and (6) deactivating, by the computer program, the user electronic device involved in the past login event.

In some embodiments, the techniques described herein relate to a method including: receiving, by a sender electronic device, a request for a transaction and/or one or more transaction details, receiving, by the sender electronic device, an identification of a recipient, receiving, by a recipient electronic device, information details from the recipient, receiving, by the recipient electronic device, an identification such as a picture identification (e.g., driver's license, passport) from the recipient, receiving, by a recipient electronic device, a liveliness check from the recipient, providing, by a computer program executed by a financial backend, sender account details if the recipient identity is determined, providing, by the computer program executed by the financial backend, a proposed action to the recipient, and storing, by the computer program executed by the financial backend, the verified identity of the recipient on a memory accessible to the financial backend.

A method may include: receiving a registration of a mobile device for a user; adding the mobile device to a user profile associated with the user; establishing a first trust level based on activity with a mobile application, wherein the first trust level allows the user to execute a first action that requires the first trust level without additional authentication; receiving user identity verification from the mobile application; establishing a second trust level for the first mobile device based on the user identity verification, wherein the second trust level allows the user to execute a second action that requires the second or the first trust level without additional authentication; receiving a removal of the first mobile device from the user profile; and revoking the second trust level and the first trust level from the first mobile device.

A method may include: receiving, by a computer program executed by an electronic device for a trusted entity, a notification from a call center agent computer program that a call center agent is making a voice call to a customer; receiving, by the computer program, a login from the customer via a trusted entity application executed by a customer electronic device or a trusted entity website; communicating, by the computer program, call context for the voice call to the customer electronic device; receiving, by the computer program, a code from the customer electronic device; communicating, by the computer program, the code to the call center agent computer program; and receiving, by the computer program, an indication from the trusted entity application or the trusted entity website whether the call context is proper and/or whether the call center agent properly provided the code in the voice call.

A method for private and auditable transaction protocol using smart contracts on blockchains. The method includes receiving a deposit of tokenized currency from a participant, maintaining a state for each participant, and receiving a transaction for a payment comprising a commitment to a value, an audit-token, a proof of balance, and a proof of assets. The smart contract verifies the proof of assets and balance, and executes the transaction upon successful verification. The method also includes receiving a cash-out transaction, verifying the zero-knowledge proof, updating the state, and transferring the balance to the participant's account. Additionally, the method involves receiving a commitment to a value of a payment transaction, an audit-token, a consistency proof, and an issuer-token, verifying the commitment, and transferring the value from the payor to the payee by updating their states.

Methods and systems consistent with the disclosure include a method for secure transfer using digital channels, comprising: receiving, by a platform executed by one or more processors of a server, a notification of a customer call, wherein the notification comprises an incoming phone call from a user; initiating a customer assist instance responsive to the notification; determining whether to ask the user for a document scan based on whether a user's device is known by the platform; sending, based on a determination that authorization is required, an event to the user's device with a unique scan session; receiving a scanned document from a user's device via use of the unique scan session; and determining, based on the scanned document, to allow a transaction.

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Zusammenfassung wird geladen …

Zusammenfassung wird geladen …