Behavioral analysis for smart agents

A system comprising:

• at least one sensor that captures contextual information of a user configured to communicate with an objective contextual monitoring component and a subjective contextual monitoring component;
• wherein the objective contextual monitoring component is in communication with a one or more user devices to receive objective contextual data comprising more than one of:
• (i) location information;
• (ii) temporal information;
• and (iii) volitional transaction information associated with an authorized user of a financial system;
• wherein the subjective contextual monitoring component is in communication with the one or more user devices to receive subjective contextual data comprising more than one of:
• (i) personal calendar events;
• (ii) physiological data;
• and (iii) pacing of user interactions with the one or more user devices;
• wherein at least some of either the objective contextual data or the subjective contextual data is from the at least one sensor;
• a contextual analyzing component that receives the objective and subjective contextual data to create one or more scenarios that are correlated with the user performing a volitional transaction;
• a predictive engine that determines whether a current context is one of the one or more scenarios that is correlated with and predictive of the volitional transactional information;
• and
• a financial transaction controller that:
• in response to determining that the current context is not predictive of a volitional transaction, adds a layer of security protocol for user authentication prior to executing the volitional transaction;
• and
• in response to determining that the current context is predictive of a volitional transaction:
• determining whether the subjective contextual data satisfies at least one criterion for incapacity to perform a volitional transaction;
• and
• in response to determining an incapacity to perform the volitional transaction, limiting access to the financial system.

A non-transitory computer-readable storage medium comprising computer-executable instructions, which when executed via a processing unit on a computer performs acts, comprising:

• monitoring and collecting, via one or more user devices, objective contextual data comprising more than one of:
• (i) location information;
• (ii) temporal information;
• and (iii) volitional transaction information associated with an authorized user of a financial system;
• monitoring and collecting, via one or more user devices, subjective contextual data comprising more than one of:
• (i) personal calendar events;
• (ii) physiological data;
• and (iii) pacing of user interactions with the one or more user devices;
• analyzing the objective and subjective contextual data;
• creating a predictive model based on least in part on the analysis of the objective contextual data and the subjective contextual data;
• generating one or more scenarios correlated with and predictive of a volitional transaction of the user via the predictive model;
• determining whether a current context is one of the one or more scenarios that is correlated with and predictive of the volitional transactional information;
• in response to determining that the current context is not predictive of a volitional transaction, adding a layer of security protocol for user authentication prior to executing the volitional transaction;
• and
• in response to determining that the current context is predictive of a volitional transaction:
• determining whether the subjective contextual data satisfies at least one criterion for incapacity to perform a volitional transaction;
• and
• in response to determining an incapacity to perform the volitional transaction, limiting access to the financial system.