LISTENING DEVICES FOR OBTAINING METRICS FROM AMBIENT NOISE

A device may receive audio data based on a capturing of sounds associated with a structure. The device may obtain a model associated with the structure. The model may have been trained to receive the audio data as input, determine a score that identifies a likelihood that a sound is present in the audio data, and identify the sound based on the score. The device may determine at least one parameter associated with the sound. The device may generate a metric based on the at least one parameter associated with the sound, and perform an action based on the metric.

MULTI-FACTOR AUTOMATED TELLER MACHINE (ATM) PERSONAL IDENTIFICATION NUMBER (PIN)

An automated teller machine (ATM) may include an input component and one or more processors. The input component may be configured to detect multi-factor input associated with an account. The multi-factor input may include at least two of: a sequence of characters input via the input component, a force with which at least one character, of the sequence of characters, is input via the input component, a length of time over which at least one character, of the sequence of characters, is input via the input component, or a combination of at least two characters, of the sequence of characters, that are input concurrently via the input component. The ATM may receive the multi-factor input, validate the multi-factor input in association with the account, and selectively permit or deny access to one or more actions associated with the account based on validating the multi-factor input.

FRAUD DETERRENCE AND/OR IDENTIFICATION USING MULTI-FACETED AUTHORIZATION PROCEDURES

A device may receive, from a user device, a multimedia file that is to be used to authenticate a transaction card. The multimedia file may include data identifying a face of a user, data identifying a transaction card identifier, and data identifying an authorized action. The device may determine whether to authenticate the transaction card by executing one or more authentication procedures. The device may execute a first authentication procedure to verify that the multimedia file includes the data identifying the face of the user, the data identifying the transaction card identifier, and the data identifying the authorized action. The device may determine whether to activate the transaction card based on whether the transaction card has been authenticated. The device may provide a notification to the user device indicating whether the transaction card has been activated based on whether the transaction card has been activated.

SEMI-PRIVATE BLOCKCHAIN VIRTUAL CURRENCY EXCHANGE SYSTEMS

A first merchant node on a semi-private blockchain virtual currency exchange system is exclusively capable of creating first virtual currency units. Unaffiliated merchant node(s) are exclusively capable of creating other merchant-specific virtual currency units in the system, while customer computing devices are incapable of creating virtual currency units. The first merchant node creates and issues first virtual currency units to a first customer account associated with a first customer computing device. Upon receiving a transaction request for exchanging first virtual currency unit(s) for a second currency type between the first customer account and another customer account, the first merchant node validates the first transaction request, and creates and sends a first transaction receipt to unaffiliated merchant node(s). Upon receiving a redemption request from a customer account, the first merchant node validates the first redemption request, and creates and sends a first redemption ...

ANALYSIS OF A TOPIC IN A COMMUNICATION RELATIVE TO A CHARACTERISTIC OF THE COMMUNICATION

A device monitors a communication between a user associated with a user device and a service representative associated with a service representative device, and causes a natural language processing model to perform a natural language processing analysis of a user input of the communication to identify a topic associated with the communication. The device determines a first score associated with the topic, and determines a second score associated with enabling the communication, where the first score and second score indicate a service performance score of an entity. The device causes a sentiment analysis model to perform a sentiment analysis of the communication to determine a sentiment score indicating a level of satisfaction the user has relative to the topic. The device updates a transaction protocol associated with the topic based on the service performance score, and/or updates a communication processing protocol associated with the communication based on the sentiment score.

SYSTEMS AND METHODS FOR PROVIDING A VIRTUAL ASSISTANT

Systems and methods for selecting a virtual assistant are provided. An example system may include at least one memory device storing instructions and at least one processor configured to execute the instructions to perform operations that may include receiving a request from a user for a response, and identifying characteristics of the user based on the user request. The operations may also include determining a type of the user request and based on the determined type of the user request and the identified user characteristics, configuring a virtual assistant to interact with the user through at least one of synthesized speech or visual signals. The operations may also include providing the virtual assistant to interact with the user.

IDENTITY GRAY LIST

Account functionality may be modified in response to an event. A processor may determine that a status of at least one of a user, a device associated with the user, and data associated with the user is potentially insecure due to the event. The processor may identify an account of the user. The account may provide access to electronic financial transaction functionality. In response to the determining that the status of at least one of the user, the device associated with the user, and the data associated with the user is potentially insecure, the processor may modify a condition affecting the access to the electronic financial transaction functionality.

MULTI-SLOT AUTOMATED TELLER MACHINE

Embodiments disclosed herein generally related to an automated teller machine (ATM) and a method of operating the same. In one embodiment, an apparatus is disclosed herein. The apparatus includes a body, a display, two or more currency dispensing components, two or more currency cartridges, two or more tracks, and a controller. Each currency dispensing component is dedicated to a specific currency denomination. The two or more currency cartridges are configured to store currency. Each currency cartridge dedicated to a specific currency denomination. Each track extends between a currency dispensing component and a currency cartridge. The two or more tracks are configured to transmit currency from the two or more currency cartridges to the two or more currency dispensing components. The controller is in communication with the display, the two or more currency dispensing components, the two or more currency cartridges, and the two or more tracks.

Multi-part transaction card

A transaction card may include a body having a first part connectable with a second part, and a magnetic stripe on a first main side of the body. A first section of the magnetic stripe is provided on the first part of the body, and a second section of the magnetic stripe is provided on the second part of the body. The transaction card may further include an engagement member extending from the first part of the body for retention within a slot of the second part of the body, the slot embedded within the body between the first main side and a second main side.

SYSTEM FOR VERIFYING THE IDENTITY OF A USER

A system receives an image including a live facial image of the user and an identity document including a photograph of the user. Moreover, the system calculates a facial match score by comparing facial features in the live facial image to facial features in the photograph. The system recognizes data objects and characters in the identity document using optical character recognition (OCR) and computer vision, and then identifies, based on the recognized data objects and characters, a type of the identity document. Further, the system calculates a document validity score by comparing the recognized characters and data objects to character strings and data objects known to be present in the identified type of the identity document. Additionally, the system determines and outputs the user's identity verification status based on comparing the facial match score to a facial match threshold and comparing the document validity score to a document validity threshold. 1. A method , implemented using a computer , for verifying an identity of a user , the method comprising:receiving an image from a camera of an automated teller machine (ATM), the image including a live facial image of the user holding an identity document that includes a photograph of the user; calculating a facial match score by comparing facial features in the live facial image to facial features in the photograph;', 'recognizing data objects and characters in the identity document by performing optical character recognition (OCR) and computer vision tasks;', 'identifying, based on the recognized data objects and parsing the recognized characters, a type of the identity document;', 'calculating a document validity score by comparing the recognized characters and recognized data objects to character strings and data objects known to be present in the identified type of the identity document; and', 'determining, based on comparing the facial match score to a predetermined facial match threshold and comparing ...

SYSTEMS AND METHODS FOR SMS E-COMMERCE ASSISTANT

The disclosed embodiments provide systems and methods for purchasing items using an e-commerce shopping assistant. In one embodiment, the system includes a processor to perform operations for receiving an electronic message comprising a web address from a user's mobile device via SMS, accessing a web page using the web address, identifying an item for purchase based on the content of the web page, retrieving the user's account information based on an identifier of the mobile device, wherein the account information comprises user preferences and user profile information, identifying merchants from which to purchase the identified item, selecting a merchant from the identified merchants based on the user preferences, configuring the purchase transaction based on the user preferences and the user profile information, and completing the purchase transaction at a merchant system of the selected merchant. 2. The system of claim 1 , wherein the first communication network comprises a text messaging service network.3. The system of claim 1 , wherein the web address comprises a Uniform Resource Locator (URL).4. The system of claim 1 , wherein the operations further comprise:receiving, from the user, a request to register a user account, the request comprising the account information;associating the user account with the identifier of the mobile device; andstoring the user account in the database.5. The system of claim 1 , wherein the user preferences comprise at least one of a list of preferred merchants claim 1 , a ranking of merchants claim 1 , merchant selection criteria claim 1 , shipping type preferences claim 1 , shipping speed preferences claim 1 , or a price threshold.6. The system of claim 5 , wherein the shipping speed preferences comprise shipping speed-by-item category preferences.7. The system of claim 5 , wherein the merchant selection criteria comprises at least one of a merchant location claim 5 , inventory status claim 5 , price claim 5 , coupon availability ...

Analysis of a topic in a communication relative to a characteristic of the communication

A device monitors a communication between a user associated with a user device and a service representative associated with a service representative device, and causes a natural language processing model to perform a natural language processing analysis of a user input of the communication to identify a topic associated with the communication. The device determines a first score associated with the topic, and determines a second score associated with enabling the communication, where the first score and second score indicate a service performance score of an entity. The device causes a sentiment analysis model to perform a sentiment analysis of the communication to determine a sentiment score indicating a level of satisfaction the user has relative to the topic. The device updates a transaction protocol associated with the topic based on the service performance score, and/or updates a communication processing protocol associated with the communication based on the sentiment score.

SYSTEMS AND METHODS FOR SAFELY STORING AN OBJECT

A system for storing an object includes a card reader, a keypad, and a secure storage area. The card reader is configured to receive a card from a user. The keypad is configured to receive authentication information from the user. The secure storage area is configured to store a plurality of boxes including a first box that is assigned to the user. The first box is configured to be dispensed from the secure storage area to the user in response to the user requesting to physically receive the first box. The first box defines an internal volume that is configured to store one or more objects belonging to the user. The first box is configured to be returned to the secure storage area after the user adds the one or more objects to, or removes the one or more objects from, the internal volume of the first box.

IDENTIFYING A MEDIA ITEM TO PRESENT TO A USER DEVICE VIA A COMMUNICATION SESSION

A device communicates with a user device via a communication session, determines user information relating to the user device or a user of the user device, and determines that the user device is placed on a hold status. The device determines, using a machine learning model, a type of media item to be presented to the user device, where the machine learning model has been trained to identify types of media items to present to user devices when the user devices are placed in the hold status, and selects a media item corresponding to the type of media item. The device presents the media item to the user device via the communication session, determines that the user device is no longer placed on the hold status, and causes the media item to cease being presented.

ACCESSING A FINANCIAL SERVICE USING A MEDIA DEVICE

Some examples, described herein, may include detecting a button press of a banking button on a remote control device associated with a media device. The banking button may be designated to access a financial institution. Some examples may include accessing a financial services platform based on detecting the button press. The financial services platform may be associated with the financial institution. Some examples may include providing account information, associated with a financial account of the financial institution, to the financial services platform. The account information, when provided, may cause the financial services platform to access the financial account. Some examples may include obtaining financial information, associated with the financial account, from the financial services platform. Some examples may include providing the financial information to the media device to enable the media device to present the financial information for display.

SYSTEMS AND METHODS FOR PROVIDING PERSONALIZED TRANSACTION RECOMMENDATIONS

PAYMENT CARD AMPLIFICATION DEVICE

In one aspect, the present disclosure relates to a payment card amplification device comprising a card reader, an amplifier, an antenna, and a power supply. The card reader is configured to read payment card information from a payment card and generate an output signal comprising the payment card information. The amplifier is coupled to receive the card reader output signal and configured to generate an amplified signal comprising the payment card information. The antenna is coupled to receive the amplified signal and transmit the payment card information, wherein the transmitted payment card information can be read by a payment terminal. The power supply is coupled to a power source and configured provide power to the card reader and the amplifier.

SYSTEMS FOR DETECTING HARASSING COMMUNICATION

A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method for detecting harassment. The system may receive communication data from a first customer service representative terminal or a customer communication device and may determine, based at least in part on the communication data and stored communication data, that the communication data comprises harassing content. The system may, responsive to determining that the communication data comprises harassing content, transmit to a second customer service representative terminal, a notification indicating that the communication data comprises harassing content.

Verification of proof of work using computer vision and/or machine learning

A device receives image data associated with an environment of an individual and identifies verifiable content by processing the image data. The device processes the verifiable content to determine a likelihood that the individual is an employee or agent of an organization and to determine a set of likelihoods of the environment being a work environment. The device determines, based on the likelihood and the set of likelihoods, a number of verifiable hours worked by the individual during a given time period. The device identifies wages data that specifies a number of hours worked that has been credited to the individual for the given time period, determines that an amount of wages paid to the individual is an incorrect amount of wages, and provides an alert to another device that indicates that the amount of wages paid to the individual is the incorrect amount of wages.

Systems and methods for using motion pattern of a user for authentication

Systems and methods for using accelerations derived from a motion pattern for multi-factor authentication, the method including receiving, filtering, and determining an identifying pattern from acceleration data representative of the user and using the identifying pattern for secured access authentication.

Interacting with an interactive voice response system device or agent device of an organization

A device receives, from a user device, a communication request that includes information identifying a user of the user device, an organization, and at least one reason for the communication request. The device determines, based on the communication request, information concerning the user, a telephone number associated with the organization, and a menu of an interactive voice response (IVR) system device associated with the telephone number. The device communicates, based on the information concerning the user, the menu of the IVR system device, and the at least one reason for the communication request, with the IVR system device via a communication session initiated based on the telephone number. The device determines, based on communicating with the IVR system device, a time that the user is to interact with the IVR system device via the communication session, and causes the user device to join the communication session at the time.

AUTHENTICATION USING EMOJI-BASED PASSWORDS

An application platform may receive an input from a user associated with a user account. The input may relate to a request for access to the user account, and include a selection of emojis or images. The application platform may identify text strings associated with the emojis or images, where each text string may correspond to a respective emoji or image. The application platform may perform an action to generate a combined text string based on the text strings, and process the combined text string to derive an output value after performing the action. The application platform may determine whether the output value corresponds to a particular value after processing the combined text string, and authenticate the user to permit the user to access the user account based on determining whether the output value corresponds to the particular value.

SYSTEMS AND METHODS FOR THE SECURE ENTRY AND AUTHENTICATION OF CONFIDENTIAL ACCESS CODES FOR ACCESS TO A USER DEVICE

The present disclosure relates to systems and method for securely entering a confidential access code into a user device. A system for allowing secure entry of a confidential access code into a user device may include one or more memories storing instructions and one or more processors configured to execute instruction to perform operations. The operations may include receiving a request for confidential access, prompting the user, via the user interface, to enter a group of inputs into a single-entry field, receiving a dummy sequence of inputs, receiving or providing an indicator signal, receiving an access sequence of inputs, parsing the group of inputs received to identify the access sequence of inputs based on the location of the indicator signal, comparing the access sequence of inputs to the confidential access code associated with the user, and granting or denying access to the confidential information based on the results.

UTILIZING MACHINE LEARNING WITH CALL HISTORIES TO DETERMINE SUPPORT QUEUE POSITIONS FOR SUPPORT CALLS

A device receives, from a user device, a communication associated with a support issue encountered by a user of the user device and assigns the communication to a position in a support queue based on when the communication is received, wherein the support queue includes data identifying positions of other communications received from other users, and data identifying when the other communications were received. The device processes data identifying the communication and historical communication data describing prior communications associated with the user, with a model, to determine an average time spent on hold by the user for the prior communications. The device modifies the position of the communication in the support queue based on the average time and performs one or more actions based on modifying the position of the communication in the support queue.

SCANNABLE CHECK MANAGEMENT SERVICE

A server may receive data identifying a requesting user and data identifying a scanned code from a client device. A processor of the server may analyze the data identifying the scanned code to identify a memo associated with the scanned code. The memo may be associated with a creating user. The processor may determine whether the requesting user is the creating user by analyzing the data identifying the requesting user. In response to determining that the requesting user is the creating user, the processor may permit the client device to access a private account associated with the creating user. In response to determining that the requesting user is not the creating user, the processor may cause the client device to display a message associated with the memo.

SYSTEMS AND METHODS FOR THE SECURED ENTRY AND STORAGE OF SENSITIVE DATA

Embodiments of the present disclosure include systems and methods for securely entering, receiving, and storing sensitive data. A server system may determine if a request received from a user computing device communicatively coupled to the server triggers a requirement to receive sensitive data from the user computing device, generate a data structure for the sensitive data, designate a plurality of contact methods, determine a communication protocol for each of the designated plurality of contact methods, transmit a request for data unit information to the corresponding designated contact methods via the determined communication protocol for each data unit of the data structure, receive from each of the designated contact methods, the data unit information corresponding to the respective single data unit, and generate sensitive data by aggregating the received data unit information received from each of the designated contact methods.

POLYESTER CANVAS CARD

Disclosed embodiments generally relate to a transaction card having a substrate component with a first substrate surface opposite a second substrate surface; a fabric component having a first fabric surface opposite a second fabric surface, the fabric and substrate being joined along the second fabric surface and the first substrate surface, the fabric component defining one or more apertures; and one or more electronic components disposed in the one or more apertures, the one or more electronic components and substrate being joined along a first electronic component surface and the first substrate surface.

METHODS AND SYSTEMS FOR ANONYMIZING AND PROVIDING ACCESS TO TRANSACTION DATA

A computer-implemented method for providing presentable transaction data of a product to a user may include obtaining preliminary transaction data of one or more purchasers other than the user; generating itemized transaction data based on the preliminary transaction data; obtaining one or more translation codes from one or more transaction entities; generating standardized transaction data based on the itemized transaction data and the one or more translation codes; retrieving identification data from the standardized transaction data; generating anonymized transaction data based on the standardized transaction data by withholding the identification data; generating presentable transaction data based on the anonymized transaction data; and transmitting, to a device associated with the user, the presentable transaction data.

Trigger peer to peer payment with financial cards and phone camera

The disclosure relates to initiating and completing peer to peer payments or peer to merchant payments initiated by financial cards and cameras of mobile devices. In some embodiments, the disclosed systems and methods may provide an accurate determination of parties involved in a peer to peer transaction, be useable with hardware and software that users are already in possession of, and securely initiate a peer to peer transaction. The disclosed systems may include a server communicatively coupled to a mobile device by a network. The server may receive an image of one or more financial cards, retrieve account information for each financial card in the received image, generate a proposed transaction based on the retrieved account information, transmit the proposed transaction to the mobile device, receive approval for the proposed transaction and initiate a payment or a transfer to an account based on the retrieved account information.

SYSTEMS AND METHODS FOR PROVIDING PERSONALIZED TRANSACTION RECOMMENDATIONS

The present disclosure relates to systems and methods for recommending transaction amounts including: receiving a request for a transaction recommendation associated with a customer; receiving a plurality of traits associated with the customer; identifying a characteristic associated with one or more groups of customers based on the plurality of traits; automatically generating a transaction model associated with the identified characteristic associated with the one or more groups of customers; ranking the potential transactions; and generating at least one transaction recommendation for the customer based on the transaction model.

Smart seat that can receive payments

In one aspect, the present disclosure relates to a method for controlling access to a seat based on payments. The method can include: reading, at a card reader located at a seat, payment information from a payment card; validating the payment information; sending a control signal to a locking device to unlock the seat; detecting that an occupant left the seat; and in response to detecting that the occupant left the seat, sending a control signal the locking device to lock the seat.

SYSTEMS AND METHODS FOR ELECTRONIC VOTING

... 101327-00036 ABSTRACT OF THE DISCLOSURE Computerized methods and systems for electronic voting are disclosed. Electronic voter registration information from a voting jurisdiction can be received. The electronic voter registration information can be matched to verified identity information for customers of the financial institution. Information indicating that the one or more customers are registered to vote at a polling location associated with the financial institution can be stored. Based on the stored information, the customers can be enabled to submit votes for the elections using computing devices associated with the financial institution. Date Recue/Date Received 2020-12-29 ...

SYSTEMS AND METHODS FOR MULTI-DEVICE MULTI-FACTOR AUTHENTICATION

Systems and methods for improved security authentication are disclosed. In some embodiments, an improved system for security authentication may include a plurality of computing devices, and a server system communicatively coupled to the plurality of computing devices. The server system may be configured to receive a request for security authentication, determine an authorization providing computing device from among the plurality of computer devices based on authentication preferences stored in a database communicatively coupled to the server system, generate and transmit authentication information to the determined authorization providing computing device, receive, from an initiating computing device an authentication input, determine whether the received authentication input matches the transmitted authentication information, and complete the request for security authentication when the received authentication input matches the generated and transmitted authentication information.

METHODS AND DEVICES FOR AUTOMATIC TRANSACTION MACHINES FOR RECOGNIZING SURROUNDINGS

A method for enhancing automated transaction machine (ATM) security surveillance. The method consists of receiving a set of data from a financial device and generating a template for the financial device. The method generates an analysis by analyzing a portion of the received set of data. The method then determines a likelihood factor that the analyzed first portion is associated with a security threat, wherein if the likelihood factor is above a threshold then the method generates a second analysis by analyzing a second portion of the received first set of data and revises the likelihood factor based on the second analysis. The method generates a notice if the first likelihood factor exceeds a second threshold and then updates the template with the analysis and the likelihood factor and receives a second set of data from the monitoring device. The method updates the template with the second set of data.

SYSTEM AND METHOD FOR BIOMETRIC HEARTRATE AUTHENTICATION

A biometric heartrate authentication system and method is disclosed that leverages heartrate information collected by heartrate tracking devices to build a heartrate profile for a client. The system further leverages location information collected by existing location information services to determine an activity profile for a client. The activity profile information may be used together with the heartrate profile to generate an expected heartrate range against which a cardholder heartrate may be compared for authentication purposes. Because client heartrate characteristics are generally unique, varying according to the unique activities being performed by the client at any point in time, the system and method thus provide a low cost, non-invasive method for reliably authenticating individuals and securing against fraudulent account accesses.

SYSTEMS AND METHODS FOR REAL-TIME, DISTRIBUTED PROCESSING OF GROUP BILL PAYMENTS

Systems and methods are provided for group bill payment comprising creating a secure group bill payment account associated with a plurality of group members. The group bill payment account may be configured to receive information via a network from the plurality of group members; permit a group member to manage the group bill payment account following an authentication process; and transmit a group payment to a provider. Systems and methods may further comprise receiving instructions from a group member to create a rule for requesting payment, the bill being from a provider and associated with group members; receiving the bill issued by the provider; determining a charge based on the bill and the rule; sending a payment request based on the charge; receiving a deposit into the group bill payment account; transmitting a group payment; and sending a notification.

SYSTEMS AND METHODS FOR ENCODED COMMUNICATIONS

Systems and methods for encoded communications are disclosed. In some embodiments, a server system may be configured to receive a communication from a user interface at an encoded communication module that includes an artificial intelligence based natural language processing module, determine whether the received communication is an encoded communication, decode the encoded communication to generate a financial query when it is determined that the received communication is an encoded communication, retrieve financial data associated with the user, determine an answer to the financial query based on the retrieved financial data, encode the determined answer to generate an encoded responsive communication, and transmit the generated encoded responsive communication to the user interface for providing to a user of the user interface.

Systems and Methods for Interactive Learning through a Graphical User Interface

Embodiments disclosed herein generally related to a system and method for generating a dynamic graphical user interface (GUI). The system identifies at least one financial goal of the user. The system generates a target savings amount for the at least one financial goal based at least on one or more spending habits of the user. The system generates a GUI. The GUI includes at least one gamification element corresponding to the at least one financial goal. The at least one gamification element visually depicts progress towards the savings amount. The system receives at least one account event. The system updates the GUI by adjusting the gamification element to depict an updated progress towards the savings amount.

INTERACTING WITH AN INTERACTIVE VOICE RESPONSE SYSTEM DEVICE OR AGENT DEVICE OF AN ORGANIZATION

A device receives, from a user device, a communication request that includes information identifying a user of the user device, an organization, and at least one reason for the communication request. The device determines, based on the communication request, information concerning the user, a telephone number associated with the organization, and a menu of an interactive voice response (IVR) system device associated with the telephone number. The device communicates, based on the information concerning the user, the menu of the IVR system device, and the at least one reason for the communication request, with the IVR system device via a communication session initiated based on the telephone number. The device determines, based on communicating with the IVR system device, a time that the user is to interact with the IVR system device via the communication session, and causes the user device to join the communication session at the time.

SYSTEM AND METHOD FOR VEHICLE-TO-VEHICLE COMMUNICATION

Methods and systems for vehicle-to-vehicle communication are disclosed. In some embodiments, the method includes: receiving, from a first vehicle via a network, a request for communicating with another vehicle; receiving, via the network, a first position signal from the first vehicle; determining a position of the first vehicle based on the first position signal; determining a target vehicle of the request, based on the request and the position of the first vehicle; transmitting, via the network, the request to the target vehicle; determining whether the target vehicle drives according to the request; and adding an amount of credit to an account associated with the target vehicle when it is determined that the target vehicle drives according to the request.

SYSTEMS AND METHODS FOR CRYPTOGRAPHIC AUTHENTICATION OF CONTACTLESS CARDS

Example embodiments of systems and methods for data transmission between transmitting and receiving devices are provided. In an embodiment, a method includes transmitting a first account number and a second account number, transmitting a first communication configured to cause a payment to be processed, receiving a payment amount and determining a first instruction based on a first number, determining a tap password, and receiving a second communication indicating that the payment was processed.

ATM WITH BIOMETRIC SECURITY

Provided, in an aspect, is a method for improving security in an automated teller machine (ATM) network, which includes prompting a user, via the ATM, to provide a biometric sample; receiving the sample from a biometric device of the ATM; determining that the sample is not blacklisted; and allowing the user to complete a transaction. Because the method includes storing anonymized event details, which include the biometric sample separate from user-identifying information, the method both improves privacy for law-abiding users and deters malicious use by others.

UPDATING A SPEECH GENERATION SETTING BASED ON USER SPEECH

A device causes a communication session to be established between the device and a user device to allow the device and the user device to communicate speech, and receives user speech from the user device. The device processes the user speech using a natural language processing technique to determine a plurality of characteristics of the user speech, and updates a speech generation setting of a plurality of speech generation settings based on the plurality of characteristics of the user speech. The device generates, after updating the speech generation setting, device speech using a text-to-speech technique based on the speech generation setting, and sends the device speech to the user device.

TRIGGER PEER TO PEER PAYMENT WITH FINANCIAL CARDS AND PHONE CAMERA

The disclosure relates to initiating and completing peer to peer payments or peer to merchant payments initiated by financial cards and cameras of mobile devices. In some embodiments, the disclosed systems and methods may provide an accurate determination of parties involved in a peer to peer transaction, be useable with hardware and software that users are already in possession of, and securely initiate a peer to peer transaction. The disclosed systems may include a server communicatively coupled to a mobile device by a network. The server may receive an image of one or more financial cards, retrieve account information for each financial card in the received image, generate a proposed transaction based on the retrieved account information, transmit the proposed transaction to the mobile device, receive approval for the proposed transaction and initiate a payment or a transfer to an account based on the retrieved account information.

SYSTEMS AND METHODS FOR CRYPTOGRAPHIC AUTHENTICATION OF CONTACTLESS CARDS

ATM WITH BIOMETRIC SECURITY

Provided, in an aspect, is a method for improving security in an automated teller machine (ATM) network, which includes prompting a user, via the ATM, to provide a biometric sample; receiving the sample from a biometric device of the ATM; determining that the sample is not blacklisted; and allowing the user to complete a transaction. Because the method includes storing anonymized event details, which include the biometric sample separate from user-identifying information, the method both improves privacy for law-abiding users and deters malicious use by others.

Automatically activating a transaction card by detecting a change associated with a package that carries the transaction card

A first device may be implemented within a package that is for transporting a second device requiring activation. The first device may determine whether the package has been opened based on whether a trigger condition has been satisfied. The trigger condition may be satisfied when a value identifying an amount of an electrical property of a conductive structure sealing the package satisfies a first threshold value or when a value identifying an amount of a measurable property associated with the package satisfies a second threshold value. The first device may provide, to a server, a request to activate the second device based on determining that the package has been opened. The request may cause the server to initiate an activation procedure and to activate the second device if the activation procedure succeeds.

Systems for detecting harassing communication

A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method for detecting harassment. The system may receive communication data from a first customer service representative terminal or a customer communication device and may determine, based at least in part on the communication data and stored communication data, that the communication data comprises harassing content. The system may, responsive to determining that the communication data comprises harassing content, transmit to a second customer service representative terminal, a notification indicating that the communication data comprises harassing content.

SYSTEMS AND METHODS FOR AUTOMATICALLY PERFORMING SECONDARY AUTHENTICATION OF PRIMARY AUTHENTICATION CREDENTIALS

The disclosed technology includes systems and methods for determining secondary authentication of a user's log-in attempts by comparing received behavioral biometric data and/or received scenario-specific data to saved behavioral biometric data and/or saved scenario-specific data, respectively. Responsive to determining that the received behavioral biometric data and/or received scenario-specific data is above a predetermined threshold of similarity with respect to the saved behavioral biometric data and/or saved scenario-specific data, respectively, the systems and methods can determine that the corresponding log-in attempt is secondarily authenticated. of a user device via behavioral biometric data. Responsive to determining that the level of similarity is not above the predetermined threshold, the systems and methods can initiate a secondary authentication method and can associate the received behavioral biometric data with a second user model.

Listening devices for obtaining metrics from ambient noise

A device may receive audio data based on a capturing of sounds associated with a structure. The device may obtain a model associated with the structure. The model may have been trained to receive the audio data as input, determine a score that identifies a likelihood that a sound is present in the audio data, and identify the sound based on the score. The device may determine at least one parameter associated with the sound. The device may generate a metric based on the at least one parameter associated with the sound, and perform an action based on the metric.

COUNTERFEIT DETECTION APPARATUS

Embodiments disclosed herein generally relate to an apparatus for counterfeit detection and a method implementing the same. In one embodiment, as apparatus is disclosed herein. The apparatus includes a first end, a second end, an elongated body, an ink cartridge, a controller, and a trigger. The elongated body extends from the first end to the second end. The elongated body defines a cavity therein. The ink cartridge is disposed in the cavity. The controller is positioned within the cavity. The controller is configured to communicate with at least one computing system remote from the apparatus. The trigger is in electronic communication with the controller. The trigger extends at least partially though the elongated body. The trigger is actionable between a first position and a second position. A change from the first position to the second position transmits an electronic signal to the controller.

SYSTEMS AND METHOD FOR PROVIDING AUTOMATED NOTARIZATION

An automated notarization device may receive biometric data from a biometric sensor, transmit the biometric data to a remote server, receive processed biometric data, receive user identification data relating to a user identity, compare processed biometric data and user identification data, receive document data, send an emboss request, record time stamp information, scan a signed version of the document, and transmit a notarization confirmation. An automated notarization device for providing a notarization transaction may include a processor, a display, an image sensor, a biometric sensor, a notarization printer, a scanner, a transceiver, and a non-transitory memory storing instructions that, when executed by the processor, cause the processor to perform processing including receive biometric data from the biometric sensor, transmit the biometric data to a server remote from the automated notarization device, receive processed biometric data, receive user identification data, compare the ...

SYSTEMS AND METHODS FOR SECURE MANAGEMENT OF A UNIVERSAL SHOPPING CART

The disclosed embodiments provide systems, methods, and techniques for managing transaction cards. User registration processes, order processes, and failure detection processes for a secure universal shopping cart are provided. Systems and methods may acquire identifiers. Systems and methods may also identify items associated with the identifiers. In addition, systems and methods may acquire a list of merchants that offer each item. Systems and methods may further determine, for each identifier, merchants based on user preferences. Even further, systems and methods may generate a payment token for each item. Systems and methods may then transmit the payment token for each item to its respective merchant.

SYSTEMS AND METHODS FOR CUSTODIAL EMAIL MANAGEMENT AND TRANSACTION VERIFICATION

A proxy email account management system configured to identify emails comprising receipt information and match the identified emails to respective transactions. The proxy email account management system may comprise a custodial email management system associated with a proxy email address. The custodial email management system may parse emails for receipt information and account-holder information, identify receipt information and account-holder information, determine if the email s correspond to a purchase made by an account-holder, and forward the email to a primary email address associated with the account-holder.

FAN-OUT PHONE CASE WALLET

A case may include a compartment configured to contain at least one card. The compartment may be open on a first side. Some embodiments may include an ejector disposed at least partially in the compartment and configured to eject the at least one card through the first side. In some embodiments, the ejector may include a slider configured to slide in a first direction from a second side of the compartment opposite the first side of the compartment towards the first side of the compartment. In some embodiments, the ejector may include an expander configured to expand in a first direction from a second side of the compartment opposite the first side of the compartment towards the first side of the compartment. Some embodiments of the case may include a spring wall configured to compress the at least one card within the compartment.

System and method for generation of virtual account-linked card

Embodiments of systems and methods for generating virtual account-linked cards are described. A virtual account-linked card may be generated in response to a determination that a physical account-linked card has been forgotten at a card reader and ingested by the card reader. A virtual account-linked card may be restricted such that it can only be used to execute a transaction with authorized transaction partners identified in a database.

Systems and methods of sound-based fraud protection

The present disclosure describes systems and methods of fraud protection. A listening device may monitor ambient sound and detect one or more triggering sound patterns. The listening device may record the one or more triggering sound patterns and record a person's voice, and send the recordings to a server, wherein the server is configured to calculate a confidence level of fraud based on the one or more triggering sound patterns and the recording of the person's voice using a speech pattern model of the person, and to output an alert if the confidence level of fraud is greater than a threshold value.

Systems and methods for cryptographic authentication of contactless cards

Example embodiments of systems and methods for data transmission between transmitting and receiving devices are provided. In an embodiment, a method includes: generating a diversified key; generating a cryptographic result including a counter value; encrypting the transmission data to yield encrypted transmission data; transmitting the cryptographic result and encrypted transmission data to an application; generating an authentication diversified key; generating a session key; decrypting the encrypted transmission data and validating the received cryptographic result; and initiating, upon authentication of at least one user credential, one or more processes, the one or more processes comprising authenticating one or more electronically generated images associated with transportation ticketing information.

SYSTEMS AND METHODS FOR CRYPTOGRAPHIC AUTHENTICATION OF CONTACTLESS CARDS

Example embodiments of systems and methods for data transmission between transmitting and receiving devices are provided. In an embodiment, a transmitting device may comprise a contactless card and may be configured to create a cryptogram and transmit the cryptogram and transmission information to a receiving device application. The receiving device application may be configured to update the transmission information stored on the transmitting device and update a points value stored on the transmitting device based on a number of times a communication interface enters a communication field.

SYSTEMS AND METHODS FOR CAPTURING ELECTRONIC SIGNATURES

Methods and systems for generating electronic signatures are disclosed. In some embodiments, the method includes: storing pixel features of a signing device; capturing, via an imaging device, a plurality of image frames including the pixel features of the signing device; identifying in the plurality of image frames, by a processor, first pixels matching the stored pixel features of the signing device; generating, by the processor, a first image including the identified pixels; and connecting, by the processor, the identified pixels to form at least one line drawing representing a signature.

PROTECTING PRIVATE INFORMATION PROVIDED ON A TRANSACTION CARD AND/OR A DOCUMENT WITH A REFLECTIVE ELEMENT

A transaction card includes a card body, where the card body includes a surface with a first surface area. The surface of the card body includes private information that encompasses a second surface area of the surface, and the second surface area is less than the first surface area. The transaction card includes a reflective element that is applied to the surface of the card body, and includes a third surface area. The third surface area is based on the first surface area or the second surface area, and the third surface area enables the reflective element to reflect light away from the private information.

MESSAGING SYSTEM AND METHOD

A messaging system and method for providing a messaging system. In some embodiments, systems and methods send a message to a first group of recipients, receive interaction data, evaluate whether that data represents a positive or negative interaction, associate with that data with a characteristic of each recipient of the message, determine another group of recipients to receive the message.

INTELLIGENT DATA SHARING

A device receives, in real-time, a request to share data. The request includes an account identifier and a merchant identifier. The device obtains transaction data associated with the account identifier included in the request, and obtains merchant attributes associated with the merchant identifier included in the request. The device determines, using a first model, a plurality of first scores for a plurality of transaction records included in the transaction data, based on the merchant attributes, where the plurality of first scores predict a measure of relevancy of the plurality of transaction records to the merchant identifier. The device identifies at least one relevant transaction record of the plurality of transaction records based on the plurality of first scores, and transmits the at least one relevant transaction record to cause an action to be performed.

SYSTEMS AND METHODS FOR USING MOTION PATTERN OF A USER FOR AUTHENTICATION

Systems and methods for using accelerations derived from a motion pattern for multi-factor authentication, the method including receiving, filtering, and determining an identifying pattern from acceleration data representative of the user and using the identifying pattern for secured access authentication.

AUTOMATICALLY ACTIVATING A TRANSACTION CARD BY DETECTING A CHANGE ASSOCIATED WITH A PACKAGE THAT CARRIES THE TRANSACTION CARD

A first device may be implemented within a package that is for transporting a second device requiring activation. The first device may determine whether the package has been opened based on whether a trigger condition has been satisfied. The trigger condition may be satisfied when a value identifying an amount of an electrical property of a conductive structure sealing the package satisfies a first threshold value or when a value identifying an amount of a measurable property associated with the package satisfies a second threshold value. The first device may provide, to a server, a request to activate the second device based on determining that the package has been opened. The request may cause the server to initiate an activation procedure and to activate the second device if the activation procedure succeeds.

USER AUTHENTICATION BY ENCODED ACCOUNT IMFORMATION

A device detects a communication, to a customer support center and initiated by a user device of a user via a first communication channel, after a request is initiated by the user and via a second communication channel that is different from the first communication channel, to receive customer support. The device obtains, after the user is authenticated to access a user account via the second communication channel and after obtaining first information that includes first account information from the user account, authentication data, from the communication, that encodes the first information. The device identifies the first information based on decoding the authentication data, and obtains second information, associated with the user, that includes second account information from the user account. The device authenticates the user for access to the user account during the communication based on determining that the first account information matches the second account information.

SYSTEMS AND METHODS FOR AUTONOMOUS BANKING RESOURCES

Systems and methods for autonomous banking resources are disclosed. Embodiments include a mobile banking resource including an unmanned motorized vehicle, a controller configured to control the movement of the motorized vehicle, an authentication device configured to verify the identity of a user, a server configured to communicate with the controller and the authentication device, and a user interface module configured to interface with the user conducting a transaction. The user interface module may include a user input device configured to receive user input, and a communication interface module configured to communicate with a server and the user input device. The controller may be configured to operate the motorized vehicle to move the motorized vehicle to a location based on a predicted behavior of the user.

SYSTEMS AND METHODS FOR CRYPTOGRAPHIC AUTHENTICATION OF CONTACTLESS CARDS

Example embodiments of systems and methods for secure communication between transmitting and receiving devices are provided. In an embodiment, a method can include initiating an operation, pausing the operation until a user identification has been authenticated, authenticating the user identification after entry of a transmitting device into a communication field of a receiving device and transmission encrypted identification data from the transmitting device to a receiving device application, and completing the operation.

SYSTEMS AND METHODS FOR CRYPTOGRAPHIC AUTHENTICATION OF CONTACTLESS CARDS

Example embodiments of systems and methods for data transmission between transmitting and receiving devices are provided. In an embodiment, a method includes: generating a diversified key; generating a cryptographic result including a counter value; encrypting the transmission data to yield encrypted transmission data; transmitting the cryptographic result and encrypted transmission data to an application; generating an authentication diversified key; generating a session key; decrypting the encrypted transmission data and validating the received cryptographic result; and initiating, upon authentication of at least one user credential, one or more processes, the one or more processes comprising authenticating one or more electronically generated images associated with transportation ticketing information.

UTILIZING MACHINE LEARNING WITH SELF-SUPPORT ACTIONS TO DETERMINE SUPPORT QUEUE POSITIONS FOR SUPPORT CALLS

A device receives a communication associated with a support issue encountered by a user, and receives information identifying one or more self-support actions performed by the user in relation to the support issue. The device assigns the communication to a position in a support queue. The support queue includes information identifying positions of other communications received from other users, when the other communications are received, and self-support actions performed by the other users. The device associates the information identifying the one or more self-support actions with information identifying the position of the communication, and applies respective weights to the one or more self-support actions. The device generates a score for the communication based on applying the respective weights, and modifies the position of the communication based on the score. The device performs one or more actions based on modifying the position of the communication.

SYSTEMS AND METHODS FOR AVAILABLE CREDIT NOTIFICATION BASED ON CUSTOMER LOCATION

A system for location based available credit notification includes one or more processors configured to execute the instructions to determine a customer location and a customer identity based on a response from the user device to a location access request; determine an available credit associated with the customer; access customer specific information and merchant data based on at least one of the determined available credit, the customer location, and the customer identity; wherein the customer specific information includes at least one of customer transaction data or customer mobility data; predict, by a prediction model if the customer is going to make a purchase and, if so, a monetary amount of the purchase; determine if the predicted monetary amount of the purchase exceeds the available credit; and transmit a notification to the user device upon determining that the predicted monetary amount of the transaction exceeds the available credit.

DECOY BILLING ADDRESS

Embodiments disclosed herein generally relate to a system and method for obfuscating personal identification information. A computing system receives, from a remote computing system associated with a third party merchant, user credentials. The computing system parses the user credentials to extract an account number and a verification address. The computing system identifies a user account associated with the extracted account number. The computing system identifies that the verification address is different from a billing address in the user account. The computing system determines that a decoy billing address exists for the user. The computing system determines that the received billing address matches the decoy billing address for the user. The computing system verifies the transaction with the third party merchant by transmitting a verification message to the remote computing system, without revealing the stored billing address in the user account.

ATM with biometric security

Provided, in an aspect, is a method for improving security in an automated teller machine (ATM) network, which includes prompting a user, via the ATM, to provide a biometric sample; receiving the sample from a biometric device of the ATM; determining that the sample is not blacklisted; and allowing the user to complete a transaction. Because the method includes storing anonymized event details, which include the biometric sample separate from user-identifying information, the method both improves privacy for law-abiding users and deters malicious use by others.

Systems and methods for using motion pattern of a user for authentication

Systems and methods for using accelerations derived from a motion pattern for multi-factor authentication, the method including receiving, filtering, and determining an identifying pattern from acceleration data representative of the user and using the identifying pattern for secured access authentication.

AUTHENTICATION USING EMOJI-BASED PASSWORDS

An application platform may receive an input from a user associated with a user account. The input may relate to a request for access to the user account, and include a selection of emojis or images. The application platform may identify text strings associated with the emojis or images, where each text string may correspond to a respective emoji or image. The application platform may perform an action to generate a combined text string based on the text strings, and process the combined text string to derive an output value after performing the action. The application platform may determine whether the output value corresponds to a particular value after processing the combined text string, and authenticate the user to permit the user to access the user account based on determining whether the output value corresponds to the particular value. 1. A method , comprising: data identifying a plurality of emojis, or', 'data identifying a plurality of images;, 'receiving, by a device, user input includingreceiving, by the device, a plurality of text strings associated with the user input; [ an emoji of the plurality of emojis, or', 'an image of the plurality of images, and, 'a first text string being mapped to, another emoji of the plurality of emojis, or', 'another image of the plurality of images;, 'a second text string being mapped to], 'mapping, by the device, the plurality of text strings and the user input, the mapping indicatingstoring, by the device and in a first data structure, data associating the mapping with data identifying a user associated with the user input;processing, by the device, the plurality of text strings to derive an output value; andstoring, by the device and in a second data structure, data associating the output value with the data identifying the user.2. The method of claim 1 , wherein:the user input includes the data identifying the plurality of emojis,the first text string is mapped to the emoji, andthe second text string is mapped to the ...

AUGMENTED REALITY SYSTEMS FOR FACILITATING REAL-TIME CHARITY DONATIONS

Disclosed systems and methods provide an augmented environment that facilitates a donation to a charity. A system may receive organization data including data associated with a plurality of charitable organizations. The system may also receive (i) environmental data including an image of an object, and (ii) location data indicating the image location. Further, the system may identify the object and determine one or more qualifying charities associated with the object. The system may augment the environmental data by adding enhanced content such as an identification of the qualifying charity, transmit the enhanced content to a mobile device for display, and initiate a transfer of funds from a user account to a charity financial account associated with the qualifying charity.

INTERACTING WITH A USER DEVICE TO PROVIDE AUTOMATED TESTING OF A CUSTOMER SERVICE REPRESENTATIVE

MULTI-FACTOR AUTOMATED TELLER MACHINE (ATM) PERSONAL IDENTIFICATION NUMBER (PIN)

An automated teller machine (ATM) may include an input component and one or more processors. The input component may be configured to detect multi-factor input associated with an account. The multi-factor input may include at least two of: a sequence of characters input via the input component, a force with which at least one character, of the sequence of characters, is input via the input component, a length of time over which at least one character, of the sequence of characters, is input via the input component, or a combination of at least two characters, of the sequence of characters, that are input concurrently via the input component. The ATM may receive the multi-factor input, validate the multi-factor input in association with the account, and selectively permit or deny access to one or more actions associated with the account based on validating the multi-factor input.

TRANSACTION TERMINALS FOR AUTOMATED BILLING

A device may receive receipt information associated with items in an order. The receipt information may include item identifiers and price descriptors associated with the items in the order. The device may receive product information associated with the items in the order. The product information may include product identifiers based on images of the items in the order and object descriptors. The device may map a first item identifier for a first item in the order and a first product identifier for determining that the first item corresponds to a first price descriptor and a first object descriptor. The device may map a second item identifier for a second item in the order and a second product identifier for determining that the second item corresponds to a second price descriptor and a second object descriptor. The device may assign the first and second items to respective first and second sub-receipts.

PLATFORM FOR DISTINGUISHING HUMAN FROM MACHINE INPUT

A device transmits an instruction for completing a human authentication challenge, to access a server device. The instruction includes information indicating a biometric parameter to be provided by a user, and information indicating a task, to be performed by the user, for varying the biometric parameter. The device receives a request to validate performance of the task. The device obtains a first measurement of the biometric parameter, provided by the user at a first point in time, and obtains a second measurement of the biometric parameter, provided by the user at a second point in time that is later than the first point in time. The device compares the first measurement and the second measurement, and selectively validates the request, based on a result of comparing the first measurement and the second measurement, to selectively grant access to the server device.

A SYSTEM FOR VERIFYING THE IDENTITY OF A USER

A system receives an image including a live facial image of the user and an identity document including a photograph of the user. Moreover, the system calculates a facial match score by comparing facial features in the live facial image to facial features in the photograph. The system recognizes data objects and characters in the identity document using optical character recognition (OCR) and computer vision, and then identifies, based on the recognized data objects and characters, a type of the identity document. Further, the system calculates a document validity score by comparing the recognized characters and data objects to character strings and data objects known to be present in the identified type of the identity document. Additionally, the system determines and outputs the user's identity verification status based on comparing the facial match score to a facial match threshold and comparing the document validity score to a document validity threshold.

SYSTEMS AND METHODS FOR THE SECURED ENTRY AND STORAGE OF SENSITIVE DATA

Embodiments of the present disclosure include systems and methods for securely entering, receiving, and storing sensitive data. A server system may determine if a request received from a user computing device communicatively coupled to the server triggers a requirement to receive sensitive data from the user computing device, generate a data structure for the sensitive data, designate a plurality of contact methods, determine a communication protocol for each of the designated plurality of contact methods, transmit a request for data unit information to the corresponding designated contact methods via the determined communication protocol for each data unit of the data structure, receive from each of the designated contact methods, the data unit information corresponding to the respective single data unit, and generate sensitive data by aggregating the received data unit information received from each of the designated contact methods.

SYSTEMS FOR MANAGING CRYPTOCURRENCY TRANSACTIONS

Computer-implemented systems are provided for managing cryptocurrency transactions. Consistent with disclosed embodiments, the systems may comprise at least one processor; and at least one memory device. The memory device may contain instructions that, when executed by the at least one processor, cause the system to perform operations. The operations may include receiving, from a third party, information relating to a cryptocurrency account. The operations may also include storing the information in a database. The operations may also include receiving, from a user, a request to investigate the account. The operations may also include identifying a characteristic associated with the account. The operations may also include determining a risk factor for the account, based at least in part on the characteristic, and sending, to the user, a first command to display the risk factor.

PROVIDING AN AUGMENTED REALITY OVERLAY TO SECURE INPUT DATA

A device may receive an input that indicates a request to initiate a transaction at an ATM device. The device may instruct the user to capture one or more images of the ATM device. The device may determine that an image has been captured and process the image to determine first information that identifies the ATM device. The device may send the first information to a server device and receive a signal that indicates the ATM device has been validated. The device may cause an augmented reality (AR) overlay to be displayed, wherein the AR overlay includes second information related to authenticating the user to the ATM device. The device may determine whether a user action is performed with respect to the second information included in the AR overlay, and perform a device action related to the second information, the ATM device, or the AR overlay.

Listening devices for obtaining metrics from ambient noise

A device may receive audio data based on a capturing of sounds associated with a structure. The device may obtain a model associated with the structure. The model may have been trained to receive the audio data as input, determine a score that identifies a likelihood that a sound is present in the audio data, and identify the sound based on the score. The device may determine at least one parameter associated with the sound. The device may generate a metric based on the at least one parameter associated with the sound, and perform an action based on the metric.

Systems and methods for autonomous banking resources

Systems and methods for autonomous banking resources are disclosed. Embodiments include a mobile banking resource including an unmanned motorized vehicle, a controller configured to control the movement of the motorized vehicle, an authentication device configured to verify the identity of a user, a server configured to communicate with the controller and the authentication device, and a user interface module configured to interface with the user conducting a transaction. The user interface module may include a user input device configured to receive user input, and a communication interface module configured to communicate with a server and the user input device. The controller may be configured to operate the motorized vehicle to move the motorized vehicle to a location based on a predicted behavior of the user.

System and method for establishing an interactive communication session

A system and method of establishing a communication session is disclosed herein. A computing system receives, from a client device, a content item comprising text-based content. The computing system generates a mark-up version of the content item by identifying one or more characters in the text-based content and a relative location of the one or more characters in the content item. The computing system receives, from the client device, an interrogatory related to the content item. The computing system analyzes the mark-up version of the content item to identify an answer to the interrogatory. The computing system generates a response message comprising the identified answer to the interrogatory. The computing system transmits the response message to the client device.

A SYSTEM FOR VERIFYING THE IDENTITY OF A USER

A system receives an image including a live facial image of the user and an identity document including a photograph of the user. Moreover, the system calculates a facial match score by comparing facial features in the live facial image to facial features in the photograph. The system recognizes data objects and characters in the identity document using optical character recognition (OCR) and computer vision, and then identifies, based on the recognized data objects and characters, a type of the identity document. Further, the system calculates a document validity score by comparing the recognized characters and data objects to character strings and data objects known to be present in the identified type of the identity document. Additionally, the system determines and outputs the user's identity verification status based on comparing the facial match score to a facial match threshold and comparing the document validity score to a document validity threshold.

CLUSTER-BASED SECURITY FOR NETWORK DEVICES

PATENT Attorney Docket No.: 055288-0506401 ABSTRACT OF THE DISCLOSURE A system may include a first automated teller machine (ATM) and a second ATM, wherein the first ATM and the second ATM are in communication via a local area network. The first ATM obtains a user input value, generate an encryption key based on the user input value, and generates encrypted authentication information based on the encryption key. The first ATM also obtains a first biometric reading, updates a user record based on the first biometric reading, and stores the encrypted authentication information at the first ATM in association with the user record. The second ATM obtains a second biometric reading and a duplicate value, retrieves the encrypted authentication information associated with the user record based on the second biometric reading, generates a decryption key based on the duplicate value, and decrypts the encrypted authentication information to retrieve the authentication information. 4852-6599-8549.

SYSTEMS AND METHODS FOR SMS E-COMMERCE ASSISTANT

The disclosed embodiments provide systems and methods for purchasing items using an e-commerce shopping assistant. In one embodiment, the system includes a processor to perform operations for receiving an electronic message comprising a web address from a user's mobile device via SMS, accessing a web page using the web address, identifying an item for purchase based on the content of the web page, retrieving the user's account information based on an identifier of the mobile device, wherein the account information comprises user preferences and user profile information, identifying merchants from which to purchase the identified item, selecting a merchant from the identified merchants based on the user preferences, configuring the purchase transaction based on the user preferences and the user profile information, and completing the purchase transaction at a merchant system of the selected merchant.

SYSTEMS AND METHODS FOR USING HAPTIC VIBRATION FOR INTER-DEVICE COMMUNICATION

The present disclosure relates to systems and methods for using haptic vibration for inter-device communication. In one implementation, a system for inter-device communication using haptic vibration may include at least one force gauge configured to measure displacements caused by an external device in contact with the at least one force gauge; at least one memory storing instructions; and at least one processor configured to execute the instructions to: receive an identifier associated with a user; retrieve a pattern associated with the received identifier; receive, from the at least one force gauge, one or more measurements over a period of time; assess a degree of difference between the received one or more measurements and the retrieved pattern; and, when the degree of difference is below a threshold, authenticate the user.

UTILIZING MACHINE LEARNING TO GENERATE AUGMENTED REALITY DELIVERY INSTRUCTIONS FOR DELIVERING AN ITEM TO A LOCATION

A device receives delivery information indicating instructions for delivery of an item at a location, wherein the delivery information include an image of the location with a designated point for delivering the item. The device receives information indicating that a user device, associated with a delivery person, is at the location, and processes the delivery information and the information indicating that the user device, associated with the delivery person, is at the location, with a machine learning model, to generate delivery instructions for the item, wherein the delivery instructions include augmented reality information indicating the designated point for delivering the item at the location. The device provides the delivery instructions to the user device, wherein the delivery instructions enable the user device to utilize the augmented reality information to display the designated point for delivering the item within a live image of the location.

METHOD AND SYSTEM FOR VOICE INPUT AT AN ATM

Embodiments disclosed herein generally relate to a system and method for transacting at an ATM. A computing system receives a request from the ATM to provide audio commands for an input having one or more components. The computing system generates an audio message for a component of the one or more components. The computing system receives an indication from the user to select an entry from the set of candidate entries as the component. The indication from the user does not include a recitation of the first entry. The computing system maps the indication to a respective candidate in the set of candidate entries. The computing system generates a verification audio message for the user to audibly verify a correct mapping between the indication and the respective candidate in the set of candidate entries. The computing system receives an audible verification from the user.

Systems and methods for the secure entry and authentication of confidential access codes for access to a user device

The present disclosure relates to systems and method for securely entering a confidential access code into a user device. A system for allowing secure entry of a confidential access code into a user device may include one or more memories storing instructions and one or more processors configured to execute instruction to perform operations. The operations may include receiving a request for confidential access, prompting the user, via the user interface, to enter a group of inputs into a single-entry field, receiving a dummy sequence of inputs, receiving or providing an indicator signal, receiving an access sequence of inputs, parsing the group of inputs received to identify the access sequence of inputs based on the location of the indicator signal, comparing the access sequence of inputs to the confidential access code associated with the user, and granting or denying access to the confidential information based on the results.

SYSTEMS AND METHODS FOR SAFELY STORING AN OBJECT

A system for storing an object includes a card reader configured to receive a card from a user and to determine an identity of the user based on information on the card. The system also includes a secure storage area configured to store a plurality of physical boxes. The plurality of physical boxes includes a first physical box that is assigned to the user. The first physical box is configured to be dispensed from the secure storage area to the user outside of the secure storage area in response to the user requesting to physically receive the first physical box. Dispensing the first physical box includes moving the first physical box along a predetermined path in the secure storage area and presenting the first physical box for removal from the secure storage area.

METHODS AND DEVICES FOR AUTOMATIC TRANSACTION MACHINES FOR RECOGNIZING SURROUNDINGS

A method for enhancing automated transaction machine (ATM) security surveillance. The method consists of receiving a set of data from a financial device and generating a template for the financial device. The method generates an analysis by analyzing a portion of the received set of data. The method then determines a likelihood factor that the analyzed first portion is associated with a security threat, wherein if the likelihood factor is above a threshold then the method generates a second analysis by analyzing a second portion of the received first set of data and revises the likelihood factor based on the second analysis. The method generates a notice if the first likelihood factor exceeds a second threshold and then updates the template with the analysis and the likelihood factor and receives a second set of data from the monitoring device. The method updates the template with the second set of data. 120.-. (canceled)21. A processing device for analyzing ATM security surveillance , comprising:one or more memory devices storing instructions; and initiating communication with a financial device which collects data associated with its environment;', 'receiving a first set of data from the financial device;', 'generating a template for the financial device, the template comprising the received first set of data;', 'storing the template;', 'generating a first analysis by analyzing a first portion of the received first set of data;', generating a second analysis by analyzing a second portion of the received first set of data, and', 'revising the first likelihood factor based on the second analysis;, 'determining a first likelihood factor that the analyzed first portion is associated with a security threat, wherein if the first likelihood factor is above a first threshold, 'generating a first notice if the first likelihood factor exceeds a second threshold;', 'updating the template with the first analysis and the first likelihood factor;', 'receiving a second set of ...

UTILIZING MACHINE LEARNING TO GENERATE AUGMENTED REALITY DELIVERY INSTRUCTIONS FOR DELIVERING AN ITEM TO A LOCATION

A device receives delivery information indicating instructions for delivery of an item at a location, wherein the delivery information include an image of the location with a designated point for delivering the item. The device receives information indicating that a user device, associated with a delivery person, is at the location, and processes the delivery information and the information indicating that the user device, associated with the delivery person, is at the location, with a machine learning model, to generate delivery instructions for the item, wherein the delivery instructions include augmented reality information indicating the designated point for delivering the item at the location. The device provides the delivery instructions to the user device, wherein the delivery instructions enable the user device to utilize the augmented reality information to display the designated point for delivering the item within a live image of the location. 1. A device , comprising:one or more memories; and [ 'wherein the delivery instructions include augmented reality information indicating a designated point for delivering the item at the location;', 'receive delivery instructions for delivery of an item at a location,'}, 'receive an image of at-location instructions, provided at the location, from a user device associated with a delivery person;', 'alter the delivery instructions to generate an altered designated point for delivering the item based on the image of the at-location instructions; and', 'wherein the altered delivery instructions enable the user device to utilize the augmented reality information to display the altered designated point, for delivering the item, within a live image of the location.', 'provide the altered delivery instructions to the user device,'}], 'one or more processors, communicatively coupled to the one or more memories, to2. The device of claim 1 , wherein the image of the at-location instructions is an image of handwritten ...

SYSTEMS AND METHODS FOR THE SECURED ENTRY AND STORAGE OF SENSITIVE DATA

Embodiments of the present disclosure include systems and methods for securely entering, receiving, and storing sensitive data. A server system may determine if a request received from a user computing device communicatively coupled to the server triggers a requirement to receive sensitive data from the user computing device, generate a data structure for the sensitive data, designate a plurality of contact methods, determine a communication protocol for each of the designated plurality of contact methods, transmit a request for data unit information to the corresponding designated contact methods via the determined communication protocol for each data unit of the data structure, receive from each of the designated contact methods, the data unit information corresponding to the respective single data unit, and generate sensitive data by aggregating the received data unit information received from each of the designated contact methods. 1. An improved user interface for the secured entry and display of sensitive data comprising:a web-based application for display on a user computer device, wherein the web-based application is configured to:receive user requests for a verification process;determine whether the user request requires the entry of sensitive data by transmitting the user request to a server system communicatively coupled to the user computer device, wherein the server system generates a data structure for sensitive data responsive to determining that the user request requires entry of sensitive data, wherein the data structure comprises a plurality of data units, wherein at least one of the size and the quantity of the data units is determined by the server;updates the web-based application to display requests for data unit information for a subset of the plurality of data units;receive from a user of the computing device, data unit information corresponding to the displayed requests for data unit information; andtransmit the received data unit ...

SYSTEM AND METHOD FOR GENERATION OF VIRTUAL ACCOUNT-LINKED CARD

Embodiments of systems and methods for generating virtual account-linked cards are described. A virtual account-linked card may be generated in response to a determination that a physical account-linked card has been forgotten at a card reader and ingested by the card reader. A virtual account-linked card may be restricted such that it can only be used to execute a transaction with authorized transaction partners identified in a database. 120-. (canceled)21. A server , comprising:a processor in data communication with a database storing account data, anda memory, generate a virtual card associated with the account,', 'generate partner identifying information which identifies a set of authorized transaction partners, and', 'limit the use of the virtual card to transactions involving an authorized transaction partner., 'wherein, upon receipt of a notification identifying a lost card associated with an account, the server is configured to22. The server of claim 21 , wherein each authorized transaction partner has engaged in a transaction with the account within a predetermined time period.23. The server of claim 22 , wherein the set of authorized transaction partners comprises transaction partners which have engaged in two or more transactions with the account.24. The server of claim 22 , wherein the set of authorized transaction partners comprises transaction partners which have engaged in a transaction with the account having a value greater than a predetermined dollar value.25. The server of claim 22 , wherein each transaction partner has engaged in a card-not-present transaction with the account.26. The server of claim 21 , wherein the partner identifying information is generated based on a transaction history associated with the account.27. The server of claim 26 , wherein the partner identifying information is generated based on a frequency and a value of transactions executed with one or more transaction partners.28. The server of claim 21 , wherein the server ...

SYSTEM AND METHOD FOR BIOMETRIC HEARTRATE AUTHENTICATION

A biometric heartrate authentication system and method is disclosed that leverages heartrate information collected by heartrate tracking devices to build a heartrate profile for a client. The system further leverages location information collected by existing location information services to determine an activity profile for a client. The activity profile information may be used together with the heartrate profile to generate an expected heartrate range against which a cardholder heartrate may be compared for authentication purposes. Because client heartrate characteristics are generally unique, varying according to the unique activities being performed by the client at any point in time, the system and method thus provide a low cost, non-invasive method for reliably authenticating individuals and securing against fraudulent account accesses.

DEPLOYABLE BANK SECURITY SYSTEM

Embodiments of systems, methods, and devices for protecting service personnel by deploying a physical barrier are described. Further embodiments describe additional security features such as lights, sirens, cameras, electronic locks, timers, and/or notifying security personnel or local law enforcement when the system is activated. 1. A system for protecting personnel comprising:a bullet resistant panel;a deployment mechanism including an actuation cylinder and a source of pressurized fluid, wherein the actuation cylinder is operably connected to a bullet resistant panel, andan activation switch operably connected to the deployment mechanism, wherein the deployment mechanism is configured to move the bullet resistant panel from a stored position to a deployed position upon receiving a signal from the activation switch.2. The system of claim 1 , further comprising a guide track for guiding the movement of the bullet resistant panel claim 1 , wherein at least a portion of the bullet resistant panel is movably connected to the guide track.3. The system of claim 1 , further comprising an alarm operably connected to the activation switch claim 1 , wherein the alarm is configured to alert security personnel upon receiving a signal from the activation switch.4. The system of claim 1 , further comprising a second bullet resistant panel claim 1 , andwherein the deployment mechanism is configured to move the bullet resistant panels in substantially opposite directions.5. The system of claim 4 , wherein the deployment mechanism is configured to move the bullet resistant panels substantially simultaneously.6. The system of claim 1 , further comprising a camera operably connected to the activation switch claim 1 , wherein the camera is configured to record visual data upon receiving a signal from the activation switch.7. The system of claim 1 , further comprising a dye mechanism operably connected to the activation switch claim 1 , wherein the dye mechanism is configured to ...

Pre-designated Fraud Safe Zones

Embodiments disclosed herein generally related to a system and method for exempting a transaction from a transaction hold. A computing system determines that an account associated with a user has been compromised. The computing system places a transaction hold on the account that has been compromised. The computing system generates one or more safe zones based at least on historical transaction data associated with the user. The one or more safe zones exempt from the transaction hold. The computing system receives a verification request for a transaction associated with the account. The verification request includes at least a merchant identification code associated with the third party merchant. The computing system determines that the third party merchant is included in at least one safe zone of the one or more safe zones. Based on the determination, the computing system verifies the transaction with the server of the third party merchant. 1. A method of exempting one or more transactions from a transaction hold , comprising:determining, by a computing system, that an account associated with a user has been compromised;placing, by the computing system, a transaction hold on the account that has been compromised;receiving, from a server of a third party merchant, a verification request for a transaction associated with the account, the verification request comprising at least a merchant identification code associated with the third party merchant;prompting, by the computing system, a client device of the user that initiated the transaction with the third party merchant to share its current location;interfacing, by the computing system, with a global positioning system (GPS) module of the client device to identify the current location of the client device;determining that the current location of the client device is within a predefined range of third party merchant;based on the determining, determining, by the computing system, that the third party merchant falls ...

DECOY BILLING ADDRESS

Embodiments disclosed herein generally relate to a system and method for obfuscating personal identification information. A computing system receives, from a remote computing system associated with a third party merchant, user credentials. The computing system parses the user credentials to extract an account number and a verification address. The computing system identifies a user account associated with the extracted account number. The computing system identifies that the verification address is different from a billing address in the user account. The computing system determines that a decoy billing address exists for the user. The computing system determines that the received billing address matches the decoy billing address for the user. The computing system verifies the transaction with the third party merchant by transmitting a verification message to the remote computing system, without revealing the stored billing address in the user account. 1. A method , comprisingreceiving, by a computing system from a remote computing system associated with a a first third party merchant, a first transaction request for a user, the first transaction request comprising user credentials comprising at least an account number and a verification address of the user attempting to perform a first transaction with the first third party merchant; parsing the user credentials to extract the account number and the verification address;', 'identifying a user account associated with the extracted account number;', 'identifying that the verification address is different from a billing address in the user account;', 'determining that a decoy billing address exists for the user, the decoy billing address comprising a string of characters defined by the user; and', 'determining that the received verification address matches the decoy billing address for the user;, 'authenticating, by the computing system, the first transaction request byverifying, by the computing system, the first ...

ANALYSIS OF A TOPIC IN A COMMUNICATION RELATIVE TO A CHARACTERISTIC OF THE COMMUNICATION

A device monitors a communication between a user associated with a user device and a service representative associated with a service representative device, and causes a natural language processing model to perform a natural language processing analysis of a user input of the communication to identify a topic associated with the communication. The device determines a first score associated with the topic, and determines a second score associated with enabling the communication, where the first score and second score indicate a service performance score of an entity. The device causes a sentiment analysis model to perform a sentiment analysis of the communication to determine a sentiment score indicating a level of satisfaction the user has relative to the topic. The device updates a transaction protocol associated with the topic based on the service performance score, and/or updates a communication processing protocol associated with the communication based on the sentiment score. 1. A method , comprising:receiving, by a device, data associated with a communication between a user and a service representative;tracking, by the device, during the communication, and using a sentiment analysis model, a level of satisfaction of the user with respect to the communication; and 'the representative rating being based on a change in a measure of user sentiment during the communication.', 'determining, by the device and based on tracking the level of satisfaction of the user, a representative rating for the service representative,'}2. The method of claim 1 , wherein determining the representative rating comprises:determining the representative rating using a classification technique to determine a categorical outcome.3. The method of claim 1 , wherein receiving the data associated with the communication comprises:receiving the data associated with the communication from a log or record of service representative performance scores.4. The method of claim 1 , further comprising: ...

SYSTEMS AND METHODS FOR PERFORMING TRANSACTIONS WITH CONTACTLESS CARDS

Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key. 145.-. (canceled)46. A method for transmitting data by a contactless card having a processor and a memory , the memory containing a card key , the method comprising:generating a cryptogram;encrypting the cryptogram using the card key;transmitting the encrypted cryptogram; andtransmitting a tap password, wherein the tap password comprises a plurality of taps of the contactless card on a receiving device.47. The method of claim 46 , further comprising claim 46 , prior to the transmission of the tap password claim 46 , receiving a request for the tap password from an application comprising instructions for execution on the receiving device.48. The method of claim 46 , wherein the plurality of taps comprises a sequence of taps.49. The method of claim 46 , wherein the plurality of taps comprises a two short taps and one long tap.50. The method of claim 49 , wherein each of the two short taps last less than one second.51. The method of claim 49 , wherein the long tap lasts more than one second.52. The method of claim 49 , wherein the two short taps and the one long tap may occur in any order.53. The method of claim 46 , wherein the tap password specifies an order for the plurality of taps.54. A data transmission system comprising:a contactless card comprising:a processor; anda memory, the memory of the contactless card containing a card key, generate a cryptogram,', 'encrypt the cryptogram,', 'transmit the encrypted cryptogram, and', ' ...

METHODS AND SYSTEMS FOR DECONFLICTING DATA FROM MULTIPLE SOURCES IN COMPUTER SYSTEMS

Methods and systems are described for verifying an identity of a user through contextual knowledge-based authentication. The system described uses contextual knowledge-based authentication. By verifying an identity of a user through contextual knowledge-based authentication, the verification is both more secure and more intuitive to the user. For example, by relying on confidential and/or proprietary information, the system may generate verification questions, the answers to which are known only by the user. 1. A system for aggregating user data from a plurality of sources , the system comprising:cloud-based memory configured to store first user record data from a first network and second user record data from a second network, wherein the first user record data is encoded in a first format and the second user record data is encoded in a second format; extract first source data and second source data from the first user record data and the second user record data, respectively;', 'retrieve a first source data category value and a second source data category value from the first source data;', 'retrieve a first source data category value and a second source data category value from the second source data;', 'compare the first source data category value from the first source data to the first source data category value from the second source data;', 'compare the second source data category value from the first source data to the second source data category value from the second source data; and', 'generate for display a single credit card record in a list of aggregated credit card records of the user based on the first user record data and the second user record data, wherein the single credit card record corresponds to one of the first source data and the second source data in response to determining that the respective first source data category values correspond and the respective second source data category values correspond;', 'generate for display two credit ...

UTILIZING MACHINE LEARNING MODELS TO AUTOMATICALLY PERFORM ACTIONS THAT MAINTAIN A PLAN FOR AN EVENT

A device receives, from a user device, plan information that identifies a plan for an event and includes information identifying an account associated with the plan, plan items of the plan, and priorities and preferences associated with the plan items, where the user device is associated with a user of the account and the plan. The device receives transaction information identifying transactions associated with the account, and processes the plan information and the transaction information, with a first model, to identify transactions related to the plan. The device processes information associated with the particular plan item, the plan information, and the transaction information, with a second model, to determine recommendations for the plan, where the information associated with the particular plan item includes information identifying a priority and a preference associated with the particular plan item. The device provides information indicating the recommendations to the user device. 120-. (canceled)21. A method , comprising:processing, by a device and with a machine learning model, plan information, identifying an item associated with a plan, and transaction information, identifying one or more transactions, to identify a first transaction, of the one or more transactions, as being related to the plan;determining, by the device and based on the first transaction, that a threshold preference, associated with the item, is satisfied;processing, by the device and based on determining that the threshold preference is satisfied, item information associated with the item, the plan information, and the transaction information to determine one or more recommendations for the plan; andautomatically performing, by the device and based on the one or more recommendations for the plan, one or more actions for the plan.22. The method of claim 21 , further comprising: 'wherein processing the plan information and the transaction information is based on receiving the user ...

SYSTEMS AND METHODS FOR CUSTOMIZED NAVIGATION MENUS

Systems and methods for generating personalized navigation menus are disclosed. For example, the system may include one or more memory units storing instructions and one or more processors configured to execute the instructions to perform operations. The operations may include receiving account data associated with a plurality of accounts and receiving navigation menu data associated with the accounts. The operations may include training a model based on the account data and the navigation menu data. The operations may include receiving a request associated with a user and receiving user account data associated with the user. The operations may include generating, using the model, a navigation menu based on the request and the user account data. The operations may include providing the navigation menu. 120-. (canceled)21. A non-transitory computer-accessible medium having stored thereon computer-executable instructions , wherein , when a computer arrangement comprising a processor executes the instructions , the computer arrangement is configured to:receive navigation-menu data comprising Interactive Voice Response data and prompt data, wherein the navigation menu-data specifies a configuration of one or more prompts and prompt data;train a model based on the navigation-menu data;receive a signal and user-account data;generate, using the model, a navigation menu based on the signal and the user-account data, wherein generating the navigation menu comprises setting the configuration of the navigation menu based on likelihoods associated with prompts of the navigation menu;route the signal;provide the prompts of the navigation menu;receive a selection of a prompt of the navigation menu;generate, using the model, an updated navigation menu based on the selected prompt; andprovide the updated navigation menu.22. The non-transitory computer-accessible medium of claim 21 , wherein the computer arrangement is configured to:receive account data associated with a plurality ...

CROSS-PLATFORM RATING SYSTEM

A rating may be received for a user based on a stay at a lodging establishment, the rating comprising a positive attribute and a negative attribute. The rating may be based on data entered by a user of the lodging establishment and programmatically generated data. An overall rating may be generated based on the rating and a plurality of prior ratings for the user. A request to reserve a second stay at the lodging establishment may be received. A price for the second stay at the lodging establishment may be received. A reduced price for the second stay may be determined based on the overall rating for the user being above a threshold rating. An indication of the reduced price may be outputted for display. A dwelling unit in the lodging establishment for the second stay may be reserved at the reduced price. 1. A system , comprising:a processor circuit; and receive a first rating for a user based on a first stay at a first lodging establishment, the first rating comprising at least one positive attribute and at least one negative attribute for the first stay of the user at the first lodging establishment, the first rating computed based on data entered by an employee of the first lodging establishment and programmatically generated data;', 'receive transaction data for a first account used to pay for the first stay;', 'receive a plurality of images and audio data from a plurality of data sources at the first lodging establishment, the audio data comprising a speech of the user;', 'identify the user depicted in a first image of the plurality of images based on a facial recognition algorithm applied to the image;', 'analyze the first image to determine that the first image depicts the user causing damage during the first stay;', 'generate a charge for the damage during the first stay based on identifying the user in the first image and the determination that the first image depicts the user causing the damage;', 'generate an indication of the damage as the at least one ...

SYSTEMS AND METHODS FOR REAL-TIME, DISTRIBUTED PROCESSING OF GROUP BILL PAYMENTS

Systems and methods are provided for group bill payment comprising creating a secure group bill payment account associated with a plurality of group members. The group bill payment account may be configured to receive information via a network from the plurality of group members; permit a group member to manage the group bill payment account following an authentication process; and transmit a group payment to a provider. Systems and methods may further comprise receiving instructions from a group member to create a rule for requesting payment, the bill being from a provider and associated with group members; receiving the bill issued by the provider; determining a charge based on the bill and the rule; sending a payment request based on the charge; receiving a deposit into the group bill payment account; transmitting a group payment; and sending a notification. 1. A system for group bill payment comprising:one or more hardware processors; and [ receive, via a network from the plurality of group members, a username, a password, and a payment method for the group members; and', 'assign privileges to a group member to manage the group bill payment account;, 'creating a secure group bill payment account associated with a plurality of group members, wherein the group bill payment account is configured to, 'receiving instructions from the managing group member to create a rule for requesting payment from the group members to the group bill payment account based on a bill from a provider, the instructions enabling access to notifications associated with the bill that are received by one or more of the group members;', 'automatically detecting a notification received from the provider by one of the group members indicating the bill is available;', 'receiving the bill based on the detected notification;', 'generating an ephemeral container instance in response to receiving the bill;', 'determining, by the container instance, a group member charge based on the bill and the ...

SYSTEMS AND METHOD FOR PROVIDING AUTOMATED NOTARIZATION

An automated notarization device may receive biometric data from a biometric sensor, transmit the biometric data to a remote server, receive processed biometric data, receive user identification data relating to a user identity, compare processed biometric data and user identification data, receive document data, send an emboss request, record time stamp information, scan a signed version of the document, and transmit a notarization confirmation. An automated notarization device for providing a notarization transaction may include a processor, a display, an image sensor, a biometric sensor, a notarization printer, a scanner, a transceiver, and a non-transitory memory storing instructions that, when executed by the processor, cause the processor to perform processing including receive biometric data from the biometric sensor, transmit the biometric data to a server remote from the automated notarization device, receive processed biometric data, receive user identification data, compare the processed biometric data and the user identification data, receive document data, send an emboss request, record time stamp information, scan a signed version of the document, and transmit a notarization confirmation. 1. An automated notarization device for providing a notarization transaction comprising:a processor;a display in communication with the processor, the display configured to present one or more messages relating to notarizing a document, the one or more messages comprising a first message, a second message, a third message, and a fourth message, the first message comprising a request to receive biometric data, the second message comprising a request to insert the document, the third message comprising a request to present the document to be notarized to the notarization device, and the fourth message comprising a request to sign the document to be notarized;an image sensor in communication with the processor, the image sensor configured to obtain images of a user of ...

SYSTEMS AND METHODS FOR THE SECURE ENTRY AND AUTHENTICATION OF CONFIDENTIAL ACCESS CODES FOR ACCESS TO A USER DEVICE

The present disclosure relates to systems and method for securely entering a confidential access code into a user device. A system for allowing secure entry of a confidential access code into a user device may include one or more memories storing instructions and one or more processors configured to execute instruction to perform operations. The operations may include receiving a request for confidential access, prompting the user, via the user interface, to enter a group of inputs into a single-entry field, receiving a dummy sequence of inputs, receiving or providing an indicator signal, receiving an access sequence of inputs, parsing the group of inputs received to identify the access sequence of inputs based on the location of the indicator signal, comparing the access sequence of inputs to the confidential access code associated with the user, and granting or denying access to the confidential information based on the results. 120-. (canceled)21. A user device for providing the secure entry of a confidential access code associated with the user , comprising:a user interface;at least one memory storing instructions; and receiving, from a user through a user interface, a request for confidential access associated with the user;', 'prompting the user, via the user interface, to enter inputs into a single-entry field;', 'receiving a first group of inputs, from the user device, comprising a dummy sequence of inputs;', 'providing, through the user device, an indicator signal;', 'receiving a second group of inputs from the user device comprising an access sequence of inputs;', 'comparing the access sequence of inputs with the confidential access code;', 'when the access sequence of inputs matches the confidential access code, granting access to the user device; and', 'when the access sequence of inputs does not match the confidential access code, denying access to the user device., 'at least one processor configured to execute the instructions to perform operations ...

TRIGGER PEER TO PEER PAYMENT WITH FINANCIAL CARDS AND PHONE CAMERA

The disclosure relates to initiating and completing peer to peer payments or peer to merchant payments initiated by financial cards and cameras of mobile devices. In some embodiments, the disclosed systems and methods may provide an accurate determination of parties involved in a peer to peer transaction, be useable with hardware and software that users are already in possession of, and securely initiate a peer to peer transaction. The disclosed systems may include a server communicatively coupled to a mobile device by a network. The server may receive an image of one or more financial cards, retrieve account information for each financial card in the received image, generate a proposed transaction based on the retrieved account information, transmit the proposed transaction to the mobile device, receive approval for the proposed transaction and initiate a payment or a transfer to an account based on the retrieved account information. 1. A method comprising:receiving, by a server and from a mobile device communicatively coupled to the server via a network, an image of a financial object, wherein the financial object is associated with a party to a transaction, wherein the server further comprises a non-transitory memory storing computer-readable instructions and at least one processor;determining, by the server, account information for the party associated with the financial object based on an analysis of the image of the financial object;generating, by the server, at least one proposed transaction including parameters for the proposed transaction based on the determined account information;transmitting, by the server, the at least one proposed transaction to the mobile device;receiving, by the server, an approval for the at least one proposed transaction; andinitiating, by the server, the approved proposed transaction by initiating at least one of crediting or debiting the account associated with the party to the approved proposed transaction, responsive to ...

TRANSACTION PLATFORM THAT PERMITS CASH PAYMENTS FOR ONLINE TRANSACTIONS

A device may configure a browser to permit cash payments for online transactions. The device may monitor a browser session of the browser. The device may detect, during the browser session, navigation of the browser to a transaction page of a website. The transaction page may be configured to facilitate an online transaction with the website. The device may determine, based on detecting the navigation of the browser to the transaction page, that a cash payment is to be provided. The device may cause a validation code to be generated. The device may cause, based on the validation code being processed, a virtual transaction card to be generated. The device may facilitate, using virtual card information associated with the virtual transaction card, execution of the online transaction. 1. A method , comprising:configuring, by a device, a browser to permit cash payments for online transactions;monitoring, by the device, a browser session of the browser; 'wherein the transaction page is configured to facilitate an online transaction with the web site;', 'detecting, by the device and during the browser session, that a user navigated the browser to a transaction page of a website,'}requesting, by the device and based on detecting that the user navigated the browser to the transaction page, the user to indicate, via a user interface of the browser, whether a cash payment is to be made in connection with the online transaction;receiving, by the device and via the user interface, a user input that indicates that the online transaction is to involve the cash payment;causing, by the device, a validation code to be generated;providing, by the device and via the user interface, the validation code to be processed;causing, by the device and based on the validation code being processed, a virtual transaction card to be generated; andfacilitating, by the device and using virtual card information associated with the virtual transaction card, execution of the online transaction between ...

SYSTEMS AND METHODS FOR USER AUTHORIZATION AND ACCESS TO SERVICES USING CONTACTLESS CARDS

Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key. 140-. (canceled)41. A system , comprising:a contactless card having a processor and memory, the memory of the contactless card containing a card key and transmission data;an application comprising instructions for execution on a receiving device having a processor and memory, the memory of the receiving device containing an application key; encrypt the transmission data using a cryptographic algorithm and the card key to yield encrypted transmission data, and', 'transmit the encrypted transmission data to the application; and, 'wherein the contactless card is configured to decrypt the encrypted transmission data using the cryptographic algorithm and the application key;', 'authenticate a user identity associated with a user; and', 'after authenticating the user identity, access sensitive information., 'wherein the application is configured to42. The system of claim 41 , wherein the sensitive information comprises at least one selected from the group of academic information claim 41 , financial information claim 41 , and medical information.43. The system of claim 41 , wherein:the sensitive information comprises insurance information, andthe application is further configured to transmit the insurance information to a device associated with medical provider.44. The system of claim 41 , wherein the application is further configured to claim 41 , after authenticating the user identity and prior to accessing sensitive information claim 41 , ...

METHOD FOR TRIGGERING OUTREACH BASED ON THIRD PARTY DATA REQUESTS

The communication techniques described herein may allow a server to send communications to user devices in response to detecting a user interacting with an application and/or their device. A request to access information associated with an account may be detected. Next, a determination may be made as to whether the request is from a third-party and/or initiated by the user. When the request is from a third-party and/or initiated by the user, a customer outreach module may be triggered, which may select a communication to send to the user. A verification of whether the user allows for receipt of communications may be performed. When the user accepts communications, the communication may be sent to the user device. Accordingly, sending communications when the user may be interacting with an application and/or device improves the probability of the user interacting with the communication and the user receiving the information associated with the communication. 1. A method comprising:receiving, by a first device, a request to access information relating to an account associated with a user, wherein the request to access information comprises a first identifier indicating a party making the request, a second identifier indicating the account, and a third identifier indicating authorization to access the account;determining whether the party making the request is a third party;determining whether the request to access information was initiated by the user via the third party, wherein the determining that the request to access information was initiated by the user via the third party comprises using a machine learning model trained to predict whether the request comprises a user-initiated request;based on a determination that the party making the request is a third party and that the request to access information was a user-initiated request, determining that the user is accessing the account via a third-party application;activating, based on the determining that the user ...

AUTHENTICATION BASED ON A PHYSICAL KEY

A device may obtain registration data associated with a registration of an individual. The registration data may include an image that depicts a physical key and a reference object. The device may process the image to identify a first feature of the physical key and a first measurement of the first feature based on the size of the reference object. The device may store first feature data based on the first feature and the first measurement. The device may obtain second feature data based on a second feature of the physical key and a second measurement of the second feature identified from an insertion of the physical key into a keyhole of an authentication mechanism. The device may determine whether the first feature data corresponds to the second feature data. The device may authenticate the individual based on determining that the first feature data corresponds to the second feature data. 1. A method , comprising: 'wherein the reference object has a size known by the device;', 'wherein the registration data includes information relating to a physical key in relation to a reference object,'}, 'obtaining, by a device, registration data associated with a registration of an individual for access to a secure area,'} a first feature of the physical key, and', 'a first measurement of the first feature based on the size of the reference object;, 'processing, by the device, the registration data to identify first feature data comprising 'wherein the second feature data is based on a second feature of the physical key and a second measurement of the second feature identified from a placement of the physical key in an authentication mechanism; and', 'obtaining, by the device, second feature data,'}authenticating, by the device, the individual for access to the secure area based on the first feature data and the second feature data.2. The method of claim 1 , wherein the reference object is at least one of:a transaction card,a unit of currency, ora ruler.3. The method of claim ...

DETECTING ATTEMPTS TO DEFEAT FACIAL RECOGNITION

A device may select an individual that is a candidate for authentication by facial recognition. The device may identify a facial area of the individual and an area of exposed skin of the individual. The device may obtain a first temperature associated with the facial area of the individual and a second temperature associated with the area of exposed skin of the individual. The device may determine, based on the first temperature and the second temperature, whether an appearance of the facial area of the individual is likely altered by a face-altering technology. The device may selectively perform facial recognition on the facial area of the individual based on whether the appearance of the facial area of the individual is likely altered by the face-altering technology. 1. A method , comprising:selecting, by a device, an individual that is a candidate for authentication by facial recognition; 'wherein the area of exposed skin of the individual is not associated with the facial area of the individual;', 'identifying, by the device and based on selecting the individual, a facial area of the individual and an area of exposed skin of the individual,'}obtaining, by the device, a first temperature associated with the facial area of the individual and a second temperature associated with the area of exposed skin of the individual; 'the upper temperature threshold and the lower temperature threshold being based on the second temperature;', 'determining, by the device and based on a comparison of the first temperature and the second temperature, whether the first temperature is between an upper temperature threshold and a lower temperature threshold,'} wherein the first temperature being between the upper temperature threshold and the lower temperature threshold indicates that the appearance of the facial area of the individual is likely not altered by the face-altering technology,', 'wherein the first temperature being above the upper temperature threshold or below the lower ...

CREDIT CARD WITH CHROMOGENIC FEATURES

A credit card with an obscurable account identifier. The credit card further comprises a substrate defining a first surface with a chromogenic feature wherein the chromogenic feature is capable of changing from a first state and a second state based on an activating trigger. In the first state, the chromogenic feature appears with a first optical property that obscures the account identifier, and in the second state, the chromogenic feature appears with a second optical property that reveals the account identifier. 120-. (canceled)21. A transaction card comprising:a first substrate comprising a chromogenic material with a first surface and a second surface parallel to the first surface;a film covered on the first surface with a first optical property; andan account identifier printed on the second surface with the first optical property; the chromogenic material is changeable from a first state to a second state based on an activating trigger,', 'in the first state, the chromogenic material exhibits the first optical property that obscures the account identifier, and', 'in the second state, the chromogenic material exhibits a second optical property that reveals the account identifier., 'wherein22. The transaction card of claim 21 , wherein the chromogenic material comprises at least one of thermochromic properties or photochromic properties.23. The transaction card of claim 22 , wherein the trigger is exposure to human body heat.24. The transaction card of claim 22 , wherein the trigger is exposure to sunlight.25. The transaction card of claim 22 , wherein the trigger is exposure to light having a wavelength between about 0.29 μm and about 3.2 μm.26. The transaction card of claim 22 , wherein the chromogenic material is changeable from the second state to the first state after removal of the trigger.27. The transaction card of claim 22 , wherein the first optical property does not absorb visible light and the second optical property absorbs visible light.28. The ...

Payment Card and Method of Manufacturing the Same

Embodiments disclosed herein generally relates to a payment card, and more specifically to a payment card with obfuscated personal identification information and a method of generating the same. In one embodiment, an apparatus is disclosed herein. The apparatus includes a substrate, one or more sets of personal identification information, and a masking layer. The substrate is formed from a water-insoluble material. The one or more sets of personal identification information is formed on the substrate. The masking layer is selectively positioned on the substrate to obscure at least one set of personal identification information. The masking layer is formed from a water-soluble material.

AUTOMATICALLY ACTIVATING A TRANSACTION CARD BY DETECTING A CHANGE ASSOCIATED WITH A PACKAGE THAT CARRIES THE TRANSACTION CARD

A first device may be implemented within a package that is for transporting a second device requiring activation. The first device may determine whether the package has been opened based on whether a trigger condition has been satisfied. The trigger condition may be satisfied when a value identifying an amount of an electrical property of a conductive structure sealing the package satisfies a first threshold value or when a value identifying an amount of a measurable property associated with the package satisfies a second threshold value. The first device may provide, to a server, a request to activate the second device based on determining that the package has been opened. The request may cause the server to initiate an activation procedure and to activate the second device if the activation procedure succeeds. 1. A method , comprising: [ 'the first trigger condition being satisfied based on a change to an electrical property of a conductive structure sealing the package, or', 'information indicating a first trigger condition was satisfied,'}, 'the second trigger condition being satisfied based on a change to a measurable property associated with the package;', 'information indicating a second trigger condition was satisfied,'}], 'the first data including at least one of, 'receiving, by a first device and from a second device associated with a package, first data indicating that the package has been opened,'}receiving, by the first device and from the second device and after receiving the first data, first location data identifying a geographic location associated with the package;obtaining, by the first device, second location data identifying an intended delivery location associated with the package;determining, by the first device, that the first location data does not match the second location data; andperforming, by the first device, an action based on determining that the first location data does not match the second location data.2. The method of claim 1 , ...

ASSOCIATING MERCHANT DATA WITH A MONETARY WITHDRAWAL FROM A TRANSACTION DEVICE BASED ON A LOCATION OF THE TRANSACTION DEVICE

A device receives transaction data identifying a monetary withdrawal, by a user, from a transaction device located at or near a merchant location, and receives location data indicating a location of a user device at a time period after receiving the transaction data. The device processes the transaction data and the location data to identify a merchant associated with the merchant location, and processes information identifying the merchant to generate a notification requesting that the user identify an amount of the monetary withdrawal that was spent with the merchant. The device provides the notification to the user device, and receives a response indicating the amount of the monetary withdrawal. The device identifies the amount of the monetary withdrawal, and associates the amount of the monetary withdrawal with information identifying the merchant, a category of the merchant, and an account of the user. 1. A method , comprising:receiving, by a device and from a transaction device, transaction data identifying a monetary withdrawal, by a user, from the transaction device located at or near a merchant location;receiving, by the device and from a user device associated with the user, location data indicating a location of the user device at a time period after receiving the transaction data;receiving, by the device, historical transaction data and historical location data; 'performing pattern recognition using the historical transaction data and the historical location data;', 'wherein training the machine learning model comprises, 'training by the device, a machine learning model using an artificial neural network processing technique,'} input the transaction data and the location data,', 'use the pattern recognition to predict that individuals who withdraw more than a threshold amount of money, from a particular transaction device, tend to spend that money at a first merchant that is within a particular geographic distance of the transaction device, and that ...

Associating merchant data or item data with a monetary transaction based on a location of a user device

A device may receive withdrawal data identifying a monetary withdrawal transaction. The device may identify a user associated with the monetary withdrawal transaction based on identity data included in the withdrawal data. The device may store the withdrawal amount in a monetary withdrawal record associated with the user. The device may receive location data indicating a location of a user device of the user during a time period. The location may be associated with a merchant. The device may transmit a notification to the user device requesting identification of a monetary purchase transaction performed with the merchant, and may receive a response that includes purchase data. The device may utilize natural language processing on the purchase data to identify an amount spent in the monetary purchase transaction. The device may associate the amount spent and the merchant with the monetary withdrawal record and perform one or more actions.

Pre-designated Fraud Safe Zones

Embodiments disclosed herein generally related to a system and method for exempting a transaction from a transaction hold. A computing system determines that an account associated with a user has been compromised. The computing system places a transaction hold on the account that has been compromised. The computing system generates one or more safe zones based at least on historical transaction data associated with the user. The one or more safe zones exempt from the transaction hold. The computing system receives a verification request for a transaction associated with the account. The verification request includes at least a merchant identification code associated with the third party merchant. The computing system determines that the third party merchant is included in at least one safe zone of the one or more safe zones. Based on the determination, the computing system verifies the transaction with the server of the third party merchant. 1. A method of exempting one or more transactions from a transaction hold , comprising:determining, by a computing system, that an account associated with a user has been compromised;placing, by the computing system, a transaction hold on the account that has been compromised;learning, by the computing system via a machine learning module, a pattern of user transactions by analyzing historical transaction data associated with the user;generating, by the computing system, one or more safe zones based at least on the learned pattern of user transactions, the one or more safe zones exempt from the transaction hold;receiving, from a server of a third party merchant, a verification request for a transaction associated with the account, the verification request comprising at least a merchant identification code associated with the third party merchant;determining, by the computing system, that the third party merchant is included in at least one safe zone of the one or more safe zones; andbased on the determination, verifying, by the ...

SYSTEM AND METHOD FOR CAPTURING INFORMATION

Embodiments of the present disclosure relate to systems and methods for capturing information. In addition, embodiments of the present disclosure relate to solutions for capturing information using a web browser extension. Embodiments of the present disclosure further relate to securely transmitting captured information to a server for association with an application or form being completed by an individual. 1. A computer-implemented method for capturing webpage information , comprising:sending, by a client device including a processor, an indication to a server that a user requests to input information into an online form;providing, by the client device, a webpage for display to the user using a web browser application;capturing, by a web browser extension on the client device, at least one of a file or an image associated with the webpage;sending, by the client device, the captured file or image to a server over a network;sending, by the client device to the server over the network, a universal resource locator (URL) associated with the webpage from which the file or image was captured;providing, by the client device, the online form for display, the online form comprising information extracted from the captured file or image by a rule or algorithm associated with the URL, the rule or algorithm being configured to identify at least one of a keyword, a tag, or an attribute from the captured file or image; andsending, by the client device to the server over the network, feedback associated with the extracted information, wherein the feedback is used to at least one of redefine or retrain the rule or algorithm.2. The method of claim 1 , wherein the webpage is a first webpage and the indication is a first indication claim 1 , comprising:providing, by the client device, a second webpage for display to the user using the web browser application;receiving, by the client device, a second indication that the user has made a selection using the web browser extension while ...

SYSTEMS AND METHODS FOR USING MOTION PATTERN OF A USER FOR AUTHENTICATION

Systems and methods for using accelerations derived from a motion pattern for multi-factor authentication, the method including receiving, filtering, and determining an identifying pattern from acceleration data representative of the user and using the identifying pattern for secured access authentication. 120-. (canceled)21. A system for generating a reference pattern for authentication , comprising:one or more memory devices storing instructions; and receiving first acceleration data from an accelerometer of the access card;', 'detecting a first acceleration, based on the first acceleration data;', 'normalizing the first acceleration, based on a placement of the accelerometer on the access card;', 'determining a first identifying pattern based on the normalized first acceleration; and', 'storing the first identifying pattern as a reference pattern for authenticating an identity of a user., 'one or more processors remote from an access card, the one or more processors executing the instructions to perform operations comprising22. The system of claim 21 , wherein the operations further comprise:receiving second acceleration data from an accelerometer of the access card;detecting a second acceleration, based on the second acceleration data;normalizing the second acceleration based on a coordinate system of the normalized first acceleration;determining a second identifying pattern, based on the normalized second acceleration;comparing the second identifying pattern and the reference identifying pattern; andauthenticating the identity of the user based on a result of the comparison.23. The system of claim 22 , wherein authenticating the identity of the user comprises at least one of approving a financial transaction claim 22 , gaining secured access claim 22 , or sending confidential information.24. The system of claim 22 , wherein the operations further comprise prompting the user to perform a gesture for authentication.25. The system of claim 24 , wherein prompting ...

DYNAMIC ELECTRONIC COMMUNICATION WITH VARIABLE MESSAGES USING ENCRYPTED QUICK RESPONSE CODES

A first client device can be in communication with a server. The server can store in a database records associated with a first user account and a second user account. The first user can scan a code printed on an object. The first client device can read the code and transmit it to the server. The server can activate a default message when it receives the code. The first user can pass the object to a second user. The second user can scan the physical object at a second client device. The second client device can read the code and transmit it to the server. Once the server receives the code from the second client device, the server can transmit the default message from the first user account to the second user account according to a transmission plan. The second client device can display the transmitted message. 120-. (canceled)21. A system , comprising:a database storing account information for a first user account and a second user account, the account information comprising a first user preference and a first user history;a server in data communication with the database; and each unique payment code is optically scannable, and', 'each unique payment code is configured for association with a second account; and, 'a booklet comprising one or more removable slips, each slip containing a unique payment code, wherein assign a payment amount and a threshold to each unique payment code,', 'apply a machine learning model to the first user preference and first user history to determine a threshold, and', 'assign the threshold to each unique payment code., 'wherein the server is configured to22. The system of claim 21 , wherein the payment amount for each unique payment code is predetermined.23. The system of claim 21 , wherein each unique payment code includes a predetermined message.24. The system of claim 21 , wherein each unique payment code includes an each unique payment code contains an authentication feature.25. The system of claim 21 , wherein:the booklet is divided ...

SYSTEMS AND METHODS FOR SECURE MANAGEMENT OF A UNIVERSAL SHOPPING CART

The disclosed embodiments provide systems, methods, and techniques for managing transaction cards. User registration processes, order processes, and failure detection processes for a secure universal shopping cart are provided. Systems and methods may acquire identifiers. Systems and methods may also identify items associated with the identifiers. In addition, systems and methods may acquire a list of merchants that offer each item. Systems and methods may further determine, for each identifier, merchants based on user preferences. Even further, systems and methods may generate a payment token for each item. Systems and methods may then transmit the payment token for each item to its respective merchant. 1. A system comprising:one or more memory devices storing instructions; and acquire, via a communication network, a first item identifier from a first user device of a first user and a second item identifier from a second user device of a second user, wherein the first user is associated with a first user profile and the second user is associated with a second user profile;', 'identify a first item associated with the first item identifier and a second item associated with the second item identifier;', 'acquire, via the communication network, a plurality of merchants;', 'determine a user set comprising the first user and the second user based on an association between the first user profile and the second user profile;', 'determine an aggregated preference for the user set based on a plurality of preferences, the plurality of preferences comprising a first preference associated with at least one user of the user set and a second preference associated with at least another user of the user set;', 'determine a first merchant and a second merchant from the plurality of merchants based on the aggregated preference;', 'provide an option to order the first item from the first merchant and the second item from the second merchant to the first and second user devices;', ' ...

DEPLOYABLE BANK SECURITY SYSTEM

Embodiments of systems, methods, and devices for protecting service personnel by deploying a physical barrier are described. Further embodiments describe additional security features such as lights, sirens, cameras, electronic locks, timers, and/or notifying security personnel or local law enforcement when the system is activated. 120-. (canceled)21. A system , comprising:an inflation barrier comprising a self-healing liner configured to receive an inflation fluid and substantially seal an opening of the inflation barrier;an inflation fluid source configured to inject the inflation fluid into the inflation barrier; andan activation switch operably connected to the inflation fluid source,wherein the inflation fluid source is configured to, upon receiving a signal from the activation switch, inflate the inflation barrier by injecting the inflation fluid into the self-healing liner.22. The system of claim 21 , wherein the inflation fluid source comprises an energizable ignitor.23. The system of claim 22 , wherein the energizable ignitor is configured to ignite a pyrotechnic material upon receipt of the signal from the activation switch.24. The system of claim 23 , wherein the ignition of the pyrotechnic material produces the inflation fluid and directs the inflation fluid into the inflation barrier.25. The system of claim 21 , wherein the inflation fluid comprises compressed air.26. The system of claim 21 , wherein claim 21 , prior to inflation claim 21 , the inflation barrier is stored in a deflated state.27. The system of claim 21 , wherein the inflation fluid source contains one or more chemical materials which generate the inflation fluid when reacted with at least one selected from the group of heat claim 21 , electricity claim 21 , and oxygen.28. The system of claim 21 , further comprises:a panel comprising a ridged shell and a self-healing volume; anda panel deployment mechanism operably connected to the activation switch,wherein the panel deployment mechanism ...

SYSTEMS AND METHODS FOR CHIP-BASED IDENTITY VERIFICATION AND TRANSACTION AUTHENTICATION

Example embodiments of systems, methods, and computer-accessible mediums for identity verification and transaction authentication are provided. An exemplary system can comprise an application, a user device, and a server. The application can prompt a removal of a card chip, prompt an insertion of the card chip into the user device, determine an orientation of the card chip after the insertion of the card chip into the user device, and transmit, to the card chip, a first message. The card chip can encrypt the first message via one or more authentication protocols to generate an encrypted first message, transmit, to the server, the encrypted first message. The server can decrypt the encrypted first message, verify the decrypted first message, and transmit a second message to the application, wherein the application is configured to display a verification notification in response to the second message. 1. An identity verification system comprising:an application comprising instructions for execution on a user device, the user device including a memory, a processor, and a card chip insertion slot; anda server,{'claim-text': ['prompt a removal of a card chip,', 'prompt an insertion of the card chip into the user device,', 'determine an orientation of the card chip after the insertion of the card chip into the user device,', 'transmit, to the card chip, a first message, wherein the card chip is configured to encrypt the first message via one or more authentication protocols to generate an encrypted first message, and', 'transmit, to the server, the encrypted first message;'], '#text': 'wherein the application is configured to:'}{'claim-text': ['decrypt the encrypted first message,', 'verify the decrypted first message, and', 'transmit a second message to the application; and'], '#text': 'wherein the server is configured to:'}wherein the application is configured to display a verification notification in response to the second message.2. The identity verification system of ...

SYSTEM, METHOD, AND COMPUTER-ACCESSIBLE MEDIUM FOR GEO-FENCED ZONES

Exemplary systems, methods, and computer-accessible mediums can include, for example, receiving a first location of a user(s) and time information associated with that location, initiating a record for the user(s) based on the location and the time information, receiving a second location of the user(s), where the second location can be in a second bounded area, storing in record, a transaction(s) associated with the user(s) based on the second location, and automatically initiating a single payment for the transaction(s) when the user(s) leaves the first location. 1. A method , comprising:receiving a first location of at least one user and time information associated with the at least one user, wherein the first location is within a first bounded area,initiating a record for the at least one user based on the location and the time information;receiving a second location of the at least one user, wherein the second location is in a second bounded area that is contained within the first bounded area;storing, in the record, at least one transaction associated with the at least one user based on the second location; andautomatically initiating a single payment when the at least one user leaves the first location.2. The method of claim 1 , wherein the second location is contained within the first location.3. The method of claim 1 , wherein the at least one user includes a plurality of users and the at least one transaction includes a plurality of transactions each of which is associated with at least one of the users.4. The method of claim 1 , wherein (i) the initiating the record includes creating at least one lightning network associated with the at least one user and (ii) the single payment is a cryptocurrency payment.5. The method of claim 1 , further comprising modifying the at least one transaction based on at least one parameter prior to automatically initiating the single payment.6. The method of claim 5 , further comprising modifying the at least one ...

EVENT ANALYSIS BASED ON TRANSACTION DATA ASSOCIATED WITH A USER

A device may receive event data associated with a calendar event of a digital calendar of a user and determine, using a machine learning model, a transaction score associated with a probability that the calendar event involves an event transaction. The machine learning model may be trained based on calendar data associated with historical calendar events and transaction data associated with historical transactions. The device may cause, based on the transaction score satisfying a score threshold, the machine learning model to analyze a transaction log of a transaction account of the user to identify transaction information associated with the calendar event. The device may perform an action associated with the transaction information and the calendar event. 1. A method , comprising: 'wherein the calendar data is associated with a digital calendar of a user;', 'receiving, by a device, access information associated with analyzing calendar data in association with a transaction analysis,'}identifying, by the device and from the calendar data, event data of a calendar event on the digital calendar; 'wherein the transaction event recognition model includes a first machine learning model that is trained to identify calendar events that involve event transactions;', 'determining, by the device and using a transaction event recognition model, a transaction score associated with a probability that the calendar event is associated with an event transaction,'} 'wherein the transaction analysis model includes a second machine learning model that is configured to identify a transaction pattern associated with timing of the calendar event and determine the transaction value from transactions of the transaction pattern; and', 'causing, by the device and based on the transaction score satisfying a score threshold, a transaction analysis model to analyze a transaction log of a transaction account of the user to identify a transaction value associated with the event transaction,'} ...

UTILIZING MACHINE LEARNING WITH SELF-SUPPORT ACTIONS TO DETERMINE SUPPORT QUEUE POSITIONS FOR SUPPORT CALLS

A device receives a communication associated with a support issue encountered by a user, and receives information identifying one or more self-support actions performed by the user in relation to the support issue. The device assigns the communication to a position in a support queue. The support queue includes information identifying positions of other communications received from other users, when the other communications are received, and self-support actions performed by the other users. The device associates the information identifying the one or more self-support actions with information identifying the position of the communication, and applies respective weights to the one or more self-support actions. The device generates a score for the communication based on applying the respective weights, and modifies the position of the communication based on the score. The device performs one or more actions based on modifying the position of the communication. 1. A method , comprising:receiving, by a first device, information identifying at least one action of a set of actions associated with attempts to resolve an issue;processing, by the first device and with a machine learning model, the information identifying the at least one action to generate respective weights for the at least one action;generating, by the first device and based on generating the respective weights for the at least one action, a score for a communication associated with a second device;modifying, by the first device and based on the score, a position assigned to the communication in a queue associated with the communication; andperforming, by the first device and based on modifying the position assigned to the communication in the queue, one or more other actions.2. The method of claim 1 , wherein processing the information identifying the at least one action to generate the respective weights comprises:processing the information identifying the at least one action and information identifying ...

UTILIZING A MACHINE LEARNING MODEL TO DETERMINE ANONYMIZED AVATARS FOR EMPLOYMENT INTERVIEWS

A device receives interviewer data, associated with interviewers conducting interviews with interviewees, that includes data identifying avatars presented to the interviewers. The device receives interviewee data, associated with the interviewees, that includes data identifying genders of the interviewees. The device processes the interviewer data and the interviewee data, with a model, to generate unbiased training data, and trains a machine learning model, with the unbiased training data, to generate a trained machine learning model. The device receives particular interviewer data identifying a particular role, location, and/or gender of a particular interviewer, and receives particular interviewee data identifying a gender of a particular interviewee. The device processes the particular interviewer data and the particular interviewee data, with the trained machine learning model, to determine one or more anonymized avatars to present to the particular interviewer, and performs one or more actions based on the one or more anonymized avatars. 1. A method , comprising: a particular role of the particular interviewer,', 'a particular location of the particular interviewer, or', 'a gender of the particular interviewer;, 'wherein the particular interviewer data includes data identifying one or more of, 'receiving, by a device and from a user device, particular interviewer data associated with a particular interviewer,'} 'wherein the particular interviewee data includes data identifying a gender of the particular interviewee;', 'receiving, by the device, particular interviewee data associated with a particular interviewee,'}processing, by the device, the particular interviewer data and the particular interviewee data, with a machine learning model, to determine one or more avatars to present to the particular interviewer;receiving, by the device, first video data of the particular interviewee, the first video data including voice data of the particular interviewee; ...

SYSTEM FOR PREDICTING OPTIMAL OPERATING HOURS FOR MERCHANTS

Systems and methods relate to predicting improved operating hours for a merchant. For example, a method may include determining operating hours of a target merchant; identifying one or more merchants other than the target merchant having one or more common characteristics with the target merchant; obtaining transactional data indicating customer transactions at the one or more merchants other than the target merchant; computing an estimate of potential customer transactions at the target merchant during a the period of time not within the operating hours by processing input data including the obtained transactional data using a trained machine learning model to produce the estimate, the estimate being a number or value of consumer transactions missed as a result of the target merchant being closed during the period of time; and transmitting, to the target merchant, information indicating the computed estimate. 1. A computer-implemented method for predicting improved operating hours for a merchant , the method comprising:determining, via one or more processors, operating hours of a target merchant based on a cessation of payment transactions outside the operating hours;identifying, via the one or more processors, one or more merchants other than the target merchant having one or more common characteristics with the target merchant;obtaining, via the one or more processors, transactional data indicating customer transactions at the one or more merchants other than the target merchant, the customer transactions including customer transactions during a period of time not within the operating hours;determining, via the one or more processors, consumer traffic data based on GPS signals from consumer mobile devices during the period of time not within the operating hours;inputting, to a trained machine learning model, input data including the obtained transactional data and the consumer traffic data, the obtained transactional data including a particular period of time ...

UTILIZING MACHINE LEARNING WITH SELF-SUPPORT ACTIONS TO DETERMINE SUPPORT QUEUE POSITIONS FOR SUPPORT CALLS

A device receives a communication associated with a support issue encountered by a user, and receives information identifying one or more self-support actions performed by the user in relation to the support issue. The device assigns the communication to a position in a support queue. The support queue includes information identifying positions of other communications received from other users, when the other communications are received, and self-support actions performed by the other users. The device associates the information identifying the one or more self-support actions with information identifying the position of the communication and applies respective weights to the one or more self-support actions. The device generates a score for the communication based on applying the respective weights and modifies the position of the communication based on the score. The device performs one or more actions based on modifying the position of the communication. 1. A method , comprising:receiving, by a first device and from a second device, information identifying one or more first actions performed via an account,each first action, of the one or more first actions, being a self-support action associated with an attempt to resolve an issue;receiving, by the first device and from a third device, a communication;correlating, by the first device and based on the account, the one or more first actions with an identifier associated with the communication;assigning, by the first device and based on correlating the one or more first actions with the identifier, the communication to a position in a queue;processing, by the first device and with a machine learning model, the information identifying the one or more first actions to generate respective weights for the one or more first actions;associating, by the first device, the respective weights with the one or more first actions;generating, by the first device, a score for the communication based on associating the respective ...

SYSTEMS AND METHODS FOR OBFUSCATING TRANSACTIONS

A computer-implemented method that includes receiving a user command including one or more criteria characteristics in association with an account and detecting an occurrence of a transaction from the account. The transaction is associated with one or more purchase characteristics. The method includes determining whether the one or more purchase characteristics of the transaction match the one or more criteria characteristics, and recording a modified version of the one or more purchase characteristics of the transaction on a ledger of the account in response to determining the one or more purchase characteristics match the one or more criteria characteristics. The method includes recording an unmodified version of the one or more purchase characteristics of the transaction on the ledger in response to determining the one or more purchase characteristics do not match the one or more criteria characteristics. 1. A computer-implemented method , comprising:receiving a user command including one or more criteria characteristics in association with an account;detecting an occurrence of a transaction from the account, wherein the transaction is associated with one or more purchase characteristics;determining whether the one or more purchase characteristics of the transaction match the one or more criteria characteristics;recording a modified version of the one or more purchase characteristics of the transaction on a ledger of the account in response to determining the one or more purchase characteristics match the one or more criteria characteristics; andrecording an unmodified version of the one or more purchase characteristics of the transaction on the ledger in response to determining the one or more purchase characteristics do not match the one or more criteria characteristics.2. The computer-implemented method of claim 1 , wherein recording the modified version of the one or more purchase characteristics comprises:obfuscating at least one of the one or more purchase ...

METHODS AND SYSTEMS FOR DIRECTING TRANSACTION REWARDS

A computer-implemented method for directing transaction rewards may comprise receiving, via a user device associated with a user, user preference data regarding a preferred merchant list including one or more merchants and reward criteria for each of the merchants, wherein the preferred merchant list defines a priority of the one or more merchants and the reward criteria defines a dynamic reward for each of the one or more merchants based on the priority on the preferred merchant list; receiving transaction information from a first merchant; determining, via one or more processors, if the first merchant is one of the one or more merchants on the preferred merchant list; and in response to determining the first merchant is on the preferred merchant list, determining, via one or more processors, a reward based on the transaction information; and transmitting, via the one or more processors, the reward to the first merchant. 1. A computer-implemented method for directing transaction rewards , the method comprising:receiving, via a user device associated with a user, user preference data regarding a preferred merchant list including one or more merchants and reward criteria for each of the one or more merchants, wherein the preferred merchant list defines a priority of the one or more merchants and the reward criteria defines a dynamic reward for each of the one or more merchants based on the priority on the preferred merchant list;receiving transaction information from a first merchant;determining, via one or more processors, if the first merchant is one of the one or more merchants on the preferred merchant list; andin response to determining the first merchant is on the preferred merchant list, determining, via one or more processors, the dynamic reward for delivery to the first merchant based on the transaction information and the reward criteria; and transmitting, via the one or more processors, the dynamic reward to the first merchant.2. The method of claim 1 , ...

PLATFORM FOR DISTINGUISHING HUMAN FROM MACHINE INPUT

A device transmits an instruction for completing a human authentication challenge, to access a server device. The instruction includes information indicating a biometric parameter to be provided by a user, and information indicating a task, to be performed by the user, for varying the biometric parameter. The device receives a request to validate performance of the task. The device obtains a first measurement of the biometric parameter, provided by the user at a first point in time, and obtains a second measurement of the biometric parameter, provided by the user at a second point in time that is later than the first point in time. The device compares the first measurement and the second measurement, and selectively validates the request, based on a result of comparing the first measurement and the second measurement, to selectively grant access to the server device. 1. A method , comprising: information indicating a biometric parameter to be provided by a user, and', 'the task being associated with a threshold change to the biometric parameter that is expected based on the user performing the task;', 'information indicating a task, to be performed by the user, for varying the biometric parameter,.'}], 'wherein the instruction includes, 'transmitting, by a processor, an instruction for completing a Completely Automated Public Turing test to tell Computers and Humans Apart (CAPTCHA), to access a server device,'}receiving, by the processor, a request to validate performance of the task; 'wherein the baseline measurement is provided by the user at a first point in time after the CAPTCHA is transmitted;', 'obtaining, by the processor, a baseline measurement of the biometric parameter,'} 'wherein the stimulated measurement is provided by the user at a second point in time that is later than the first point in time;', 'obtaining, by the processor, a stimulated measurement of the biometric parameter,'}determining, by the processor, a change in the biometric parameter based ...

MULTI-SLOT AUTOMATED TELLER MACHINE

Embodiments disclosed herein generally related to an automated teller machine (ATM) and a method of operating the same. In one embodiment, an apparatus is disclosed herein. The apparatus includes a body, a display, two or more currency dispensing components, two or more currency cartridges, two or more tracks, and a controller. Each currency dispensing component is dedicated to a specific currency denomination. The two or more currency cartridges are configured to store currency. Each currency cartridge dedicated to a specific currency denomination. Each track extends between a currency dispensing component and a currency cartridge. The two or more tracks are configured to transmit currency from the two or more currency cartridges to the two or more currency dispensing components. The controller is in communication with the display, the two or more currency dispensing components, the two or more currency cartridges, and the two or more tracks. 1. An automated teller machine (ATM) comprising:a body defining an interior volume;two or more currency dispensing components, each currency dispensing component dedicated to a specific currency denomination; andtwo or more currency cartridges disposed in the interior volume configured to store currency, each currency cartridge dedicated to a specific currency denomination such that each currency cartridge is coupled with a respective currency dispensing component, wherein there is a one to one correspondence between the two or more currency dispensing components and the two or more currency cartridges.2. The ATM of wherein each currency cartridge is coupled with a respective currency dispensing component via a track extending between each currency cartridge and the respective currency dispensing component.3. The ATM of claim 2 , wherein the track delivers currency from the currency cartridge to the respective currency dispensing component.4. The ATM of claim 1 , further comprising:a first identifier positioned adjacent a ...

INTELLIGENT DATA SHARING

A device receives, in real-time, a request to share data. The request includes an account identifier and a merchant identifier. The device obtains transaction data associated with the account identifier included in the request, and obtains merchant attributes associated with the merchant identifier included in the request. The device determines, using a first model, a plurality of first scores for a plurality of transaction records included in the transaction data, based on the merchant attributes, where the plurality of first scores predict a measure of relevancy of the plurality of transaction records to the merchant identifier. The device identifies at least one relevant transaction record of the plurality of transaction records based on the plurality of first scores, and transmits the at least one relevant transaction record to cause an action to be performed. 1. A method , comprising: [ an account identifier, and', 'a merchant identifier, and, 'wherein the request includes, 'wherein the request corresponds to a particular transaction;, 'receiving, by a processor and in real-time, a request to share data,'} 'each transaction record, of the plurality of transaction records, including transaction metadata for a respective transaction associated with the account identifier;', 'the transaction data including a plurality of transaction records,'}, 'obtaining, by the processor, transaction data associated with the account identifier included in the request,'} 'the merchant attributes identifying at least one competitor of the merchant;', 'obtaining, by the processor, merchant attributes corresponding to a merchant identified by the merchant identifier included in the request,'} wherein the plurality of first scores predict a measure of relevancy of the plurality of transaction records to the merchant identifier,', [ 'the at least the portion of the transaction metadata including information identifying a particular competitor, of the at least one competitor of the ...

Method and System for Large Transfer Authentication

Embodiments disclosed herein generally related to a system and method for authenticating a transfer request. A computing system receives a transfer request from a client device. The computing system determines that the monetary amount specified in the transfer request exceeds a threshold. The computing system identifies an automated teller machine (ATM) based on at least location information associated with a user of the client device. The computing system prompts the user to authenticate the transfer request at the identified ATM by transferring a message to the client device to be displayed thereon. The computing system receives an authentication attempt of the user from the ATM. The computing system compares authentication information in the authentication attempt to personal identification information associated with the user. The computing system determines that the authentication information at least partially matches personal identification information associated with the user. The computing system processes the transfer request. 1. A method of authenticating a transfer request , comprising:receiving, by a server system over a network, a transfer request from a client device, the transfer request comprising an originating account, a target account, and a monetary amount to be transferred from the originating account to the target account;determining, by the server system, that the monetary amount specified in the transfer request exceeds a threshold amount; interfacing with geolocation module of the client device to identify a current location of the client device;', 'identifying an automated teller machine (ATM) proximate to the client device based on the current location of the client device; and', 'prompting a user of the client device to authenticate the transfer request at the identified ATM by transferring a message to the client device for displayed thereon;, 'based on the determining, initiating, by the server system, an authentication process to ...

SYSTEM AND METHOD FOR AN AUTOMATED TELLER MACHINE TO ISSUE A SECURED BANK CARD

The present disclosure relates to systems and methods for an Automated Teller Machine to issue a secured bank card. An Automated Teller Machine to issue a secured bank card includes one or more memories storing instructions and one or more processors configured to execute instruction to perform operations. The operations include receiving a request for a secured bank card from a user, determining if the user is a current customer, obtaining bank card application information about the user, receiving additional information to confirm the identity of the user, determining if there are already existing accounts tied to the user, transmitting the bank card application information to a server associated with the card issuer, receiving card options the user is qualified for, presenting the card options and instructions to select a cash amount to be remitted, approving, upon receipt of the cash amount, issuance of the secured bank card, creating a unique account for the secured bank card, activating the secured bank card and associating it with the unique account, and dispensing the newly activated secured bank card. 120-. (canceled)21. An automated teller machine for issuing a secured bank card , comprising:a user interface;one or more memories storing instructions; and receiving, via the user interface, a request from a user for a secured bank card to be issued by a card issuer;', 'creating a temporary application account associated with the user and the request for a secured bank card;', 'determining, by accessing a server associated with the card issuer, if the user previously submitted application information for a secured bank card and, if the user did not previously submit application information, if the user is a current customer of the card issuer;', 'obtaining, if the user did not previously submit bank card application information and is not a current customer, bank card application information about the user;', 'receiving additional information to confirm the ...

Crowdsourced Insights About Merchant Shipping Methods

Aspects described herein may allow for the application of machine learning techniques to the classification of transactions and/or the prediction of shipping means for such transactions. This may have the effect of generating better insights into user shopping behavior and providing users with better predictions as to how they may expect to receive their purchases. A browser application may be monitored to determine that a user is shopping. A machine learning model may be used to predict shipping data associated with a product and/or merchant associated with the shopping of the user. Predicted shipping data may be displayed to the user, and user feedback may be requested and received to confirm model predictions and review purchases and shipping experiences.

SYSTEMS CONFIGURED TO MANAGE CRYPTOCURRENCY WALLETS HAVING COST BASIS TRACKING AND METHODS OF USE THEREOF

Cryptocurrency can be stored in a plurality of cryptocurrency wallets associated with a plurality of respective users and managed by establishing a unit cost basis value for each cryptocurrency unit in a fiat currency. For example, a purchase request is received by a server computer from a user device. The purchase request is associated with a merchant to be paid in a cryptocurrency chosen by a user and stored in a cryptocurrency wallet of the user. A cryptocurrency exchange from multiple cryptocurrency exchanges having the best cryptocurrency exchange rate is identified for converting the chosen cryptocurrency to the fiat currency. A gain for the purchase transaction is calculated when the best cryptocurrency exchange rate is greater than the unit cost basis value of the chosen cryptocurrency stored in the cryptocurrency wallet of the user. The fiat currency converted in the identified cryptocurrency exchange is received from the cryptocurrency exchange to pay the merchant.

SYSTEMS AND METHODS OF PHOTO-BASED FRAUD PROTECTION

A computer-implemented method of fraud protection is described. A server may receive one or more keywords and a likelihood of fraud from an external source. The server may receive an image of a document from a user device, wherein the document comprises at least one of a written communication or a printed communication. The server may extract text from the image of the document, compare the extracted text to the one or more stored keywords, and calculate a confidence level of fraud. The server may send an indication of the confidence level of fraud to the user device. 1. A computer-implemented method of fraud protection , comprising:obtaining, by a server, an image of a physical piece of mail in association with actual mail delivery;extracting, by the server, at least one of graphics and text from the image, the text being extracted using optical character recognition;comparing, by the server, the extracted text to a database of keywords, wherein each keyword has an associated likelihood of fraud determined via a machine learning algorithm trained on instances of known fraud obtained from at least one database comprising indicators of fraud determined by at least one of a financial institution, a government agency, a law enforcement agency, or a regulatory agency;determining, by the server, at least one word from the extracted text that matches a keyword in the database;calculating, by the machine learning algorithm, a confidence level of fraud for the physical piece of mail based on the likelihood of fraud of the at least one determined word that matches and a frequency of appearance in the image of the at least one determined word that matches; andin response to calculating a confidence level of fraud below a pre-defined threshold, communicating, by the server, an indication to display a recommendation for a user through a user interface of a user device associated with the user.2. The method of claim 1 , comprising:receiving one or more reports of potential fraud ...

SYSTEMS AND METHODS FOR INCENTIVIZING BEHAVIOR

A computer-implemented method for incentivizing user behavior including identifying an action for a user to perform, providing the number of credits that can be earned by the user for performing the action, verifying that the user has carried out the action and awarding the credits to the user. 1. A computer-implemented method for incentivizing user behavior , comprising: financial information for the online account;', 'contact information for the online account;', 'bank account information for the online account;', 'account security information; and', 'lengths of time between performance, by the user, of previous account maintenance actions;, 'retrieving, by a computer system comprising a processor, information for an online account of a user from a database comprising information for a plurality of online accounts, wherein information comprises at least one ofdetermining, by the computer system, a likelihood of reducing a risk of fraud associated with the online account that would result from performance by the user of each of a plurality of account maintenances actions by analyzing the information for the online account with a machine learning model, wherein the machine learning model is trained using historical instances of known fraud and lengths of time between account maintenance actions being performed associated with and leading up to the historical instances;determining, by the computer system, an account maintenance action with a highest likelihood of reducing the risk of fraud associated with the online account that would result from performance of the account maintenance action by the user;identifying, by the machine learning model, a number of credits that can be earned by the user for performing the account maintenance action, wherein the number of credits is based on the likelihood of reducing the risk of fraud;displaying, by the computer system, an indication to a user interface associated with the user identifying the account maintenance action and ...

METHOD FOR MANAGING AN ELECTRONIC ACCOUNT ASSOCIATED WITH A PIGGY BANK

A device assigns an identifier to a piggy bank associated with a child, and associates the identifier with a first transaction account associated with the child and a second transaction account associated with a parent of the child. The device receives information indicating a value of money deposited into the piggy bank, and updates the first transaction account, based on the information indicating the value of money, to generate an updated balance for the first transaction account. The device provides, to the piggy bank or a user device associated with the piggy bank, information indicating the updated balance for the first transaction account, and receives information indicating a measurement associated with the piggy bank. The device verifies the updated balance for the first transaction account based on the measurement associated with the piggy bank, and causes the updated balance for the first transaction account to be provided to the parent. 1. A method , comprising:assigning, by a device, an identifier to a piggy bank associated with a first user; a first transaction account associated with the first user, and', 'wherein the first transaction account is a sub-account of the second transaction account;', 'a second transaction account associated with a second user,'}], 'associating, by the device, the identifier with wherein the one or more sensors include a first scale to determine a weight of the money provided to the piggy bank, and', 'wherein the value of the money deposited into the piggy bank is based on the weight of the money deposited into the piggy bank;, 'receiving, by the device and from one or more sensors associated with the piggy bank, first information indicating a value of money deposited into the piggy bank,'}updating, by the device, the first transaction account, based on the first information indicating the value of money, to generate an updated balance for the first transaction account;providing, by the device and to the piggy bank or a ...

CONTACTLESS CARD WITH TRANSMISSION BLOCKING ELEMENT

Approaches herein provide protection for an identification chip of a contactless device using a transmission blocking element. In some approaches, a contactless card may include a body having first and second main sides. An identification chip may be coupled to the first main side, and the transmission blocking element may be slidably coupled to the body. The identification chip is covered by the transmission blocking element in a first position, and uncovered by the transmission blocking element when the transmission blocking element is in a second position. The transmission blocking element may include a first section extending along the first main side of the body, and a second section extending parallel to the first section. The transmission blocking element may further include a tab coupling together the first and second sections, wherein the tab is positioned within an internal slot embedded within the body. 1. A contactless card comprising:a body having a first main side and a second main side;an identification chip coupled to the first main side of the body; and a first section extending along the first main side of the body; and', 'a second section extending parallel to the first section, the second section coupled to the first section by a tab., 'a transmission blocking element slidably coupled to the body, wherein the identification chip is covered by the transmission blocking element in a first position, wherein the identification chip is uncovered when the transmission blocking element is in a second position, and wherein the transmission blocking element comprises2. (canceled)3. The contactless card of claim 1 , wherein the tab is positioned within an internal slot of the body.4. The contactless card of claim 3 , further comprising a first set of slots in the first main side of the body claim 3 , wherein the transmission blocking element extends through the first set of slots.5. The contactless card of claim 4 , wherein the first section of the ...

SYSTEMS AND METHODS FOR ENCODED COMMUNICATIONS

Systems and methods for encoded communications are disclosed. In some embodiments, a server system may be configured to receive a communication from a user interface at an encoded communication module that includes an artificial intelligence based natural language processing module, determine whether the received communication is an encoded communication, decode the encoded communication to generate a financial query when it is determined that the received communication is an encoded communication, retrieve financial data associated with the user, determine an answer to the financial query based on the retrieved financial data, encode the determined answer to generate an encoded responsive communication, and transmit the generated encoded responsive communication to the user interface for providing to a user of the user interface. 1. A method comprising:receiving, by an encoded communication module of a server system, a text-based communication from a user interface, wherein the encoded communication module further comprises an artificial intelligence based natural language processing module;determining, by the encoded communication module, whether the received text-based communication is an encoded communication, wherein the encoded communication is encoded using natural language syntax;generating, by the encoded communication module, a financial query when it is determined that the received text-based communication is an encoded communication and providing the financial query to a query response module;determining, by the query response module, a response to the financial query and providing the determined response to the encoded communication module;encoding, by the encoded communication module, the response to the financial query to generate an encoded responsive communication; andtransmitting, by the server system, the generated encoded responsive communication to the user interface for presentation to a user of the user interface.2. The method of claim 1 , ...

APPLICATION REPLICATION PLATFORM

A first device may receive a request to establish a replication session between a second device and a third device, where the replication session is associated with replicating user interactions with a user interface of an application across a first instance and a second instance of the application. The first device may receive, after receiving the request, information identifying a set of interactions by a user of the second device with a first user interface provided for display by the first instance. The first device may determine, from the information, a set of instructions related to causing an indication for the set of interactions to be provided for display on a second user interface provided for display for the second instance based on the information being received from the second device. The first device may provide, after determining the set of instructions, the set of instructions to the third device. 1. A method , comprising: 'wherein the replication session is associated with replicating user interactions with a user interface of an application across a first instance and a second instance of the application;', 'receiving, by a first device, a request to establish a replication session between a second device and a third device,'}receiving, by the first device and after receiving the request, information that identifies a set of interactions by a user of the second device with a first user interface provided for display by the first instance; 'wherein a visual indicator is provided for display on the second user interface based on a selection of a user interface element on the first user interface; and', 'determining, by the first device and from the information, a set of instructions related to causing an indication for the set of interactions to be provided for display on a second user interface provided for display for the second instance based on the information being received from the second device,'}providing, by the first device and after ...

METHODS AND SYSTEMS FOR PROVIDING AN INSIGHT ABOUT AN ESTABLISHMENT

Systems and methods to provide transaction-related insight information for an establishment. In some aspects of the present disclosure, a digital image captured at a location of a user can be received. The digital image can be analyzed to identify an establishment. Transaction data between customers and the establishment can be retrieved. Transaction-related insight information about the establishment can be generated based on the data. The transaction-related insight information can be provided to the user. 1. A computer-implemented method , comprising:retrieving, from a user's device, location information comprising information on multiple establishments within an area;determining, using the user's device, a user's focus' axis;detecting, using the user's device, that a user pauses to look at an establishment for more than a predetermined amount of time;receiving a digital image of the establishment captured by a digital camera connected to the user's device;searching the digital image for identification features to identify the establishment using the location information;retrieving, by the user's device, purchase transaction information associated with the establishment, the purchase transaction information comprising information related to purchase transactions between multiple customers and the establishment;generating, with an insight module in communication with a computer system, transaction-related insight information about the establishment based on the purchase transaction information; andproviding, by the computer system, the transaction-related insight information for display to the user on the user's device, the transaction-related insight information comprising crowd information related to how crowded the establishment is at a current time and repeat information related to how many customers have conducted multiple transactions with the establishment;wherein the crowd information is determined using: maximum headcount information to determine how much ...

METHODS AND SYSTEMS FOR ALLOWING AN ELECTRONIC PURCHASE UPON COMPLETION OF AN EXERCISE AND/OR ACTIVITY GOAL

Methods and systems are disclosed for allowing an electronic purchase upon completion of an exercise goal and/or a physical activity goal. Exercise and/or physical activity goal criteria can be retrieved for a user. Electronic charge approval criteria can be retrieved for the user, the electronic charge approval criteria based on the exercise and/or physical activity goal criteria. It can be determined whether the exercise and/or physical activity goal criteria has been fulfilled using an electronic measurement system, the electronic measurement system measuring motion data and/or heart rate data for the user. A requested electronic charge can be authorized upon a determination that the electronic charge approval criteria for the user has been fulfilled. 1. A computer-implemented method for allowing an electronic purchase upon completion of an exercise and/or physical activity goal , comprising:retrieving, at a processor associated with a user device, exercise and/or physical activity goal parameters for a user, wherein the exercise and/or physical activity goal parameters comprise obtaining a predetermined heart rate for a predetermined amount of time on a predetermined day and/or a predetermined time of day;retrieving, from a database in communication with the processor, electronic charge approval parameters for the user, the electronic charge approval parameters based on the exercise and/or physical activity goal parameters;measuring, by an electronic measurement system, motion data and/or heart rate date for the user;based on measured motion data and/or heart rate data, determining, by the processor, that the exercise and/or physical activity goal parameters have been met; andresponsive to receiving a determination that the exercise and/or physical activity goal parameters have been met and the requested electronic charge is within a predetermined price range for a product and/or service from a pre-determined entity, authorizing, by the processor, a requested ...

AUTHENTICATION BASED ON A PHYSICAL KEY

A device may obtain registration data associated with a registration of an individual. The registration data may include an image that depicts a physical key and a reference object. The device may process the image to identify a first feature of the physical key and a first measurement of the first feature based on the size of the reference object. The device may store first feature data based on the first feature and the first measurement. The device may obtain second feature data based on a second feature of the physical key and a second measurement of the second feature identified from an insertion of the physical key into a keyhole of an authentication mechanism. The device may determine whether the first feature data corresponds to the second feature data. The device may authenticate the individual based on determining that the first feature data corresponds to the second feature data. 1. A method , comprising:{'claim-text': 'wherein the registration data is associated with a first image that depicts an object in a first orientation and a second image that depicts the object in a second orientation;', '#text': 'obtaining, by a device, registration data associated with access to a secure area,'}processing, by the device and based on the first image and the second image, the registration data to identify first feature data associated with a first feature of the object;obtaining, by the device and based on a second feature of the object identified by placing the object in an authentication mechanism, second feature data; andauthenticating, by the device and based on the first feature data and the second feature data, access to the secure area based on the first feature data and the second feature data.2. The method of claim 1 , wherein the registration data is associated with an individual; and{'claim-text': 'storing the first feature data in association with information identifying the individual.', '#text': 'the method further comprising:'}3. The method of claim ...

SYSTEMS AND METHODS FOR DATABASE MANAGEMENT AND GRAPHICAL USER INTERFACE DISPLAYS

A browser extension can be configured to determine that the internet browser is presenting a website that includes a job posting, determine a restaurant name in the job posting, match the restaurant name to an indexed restaurant in a tip data table, and display the tip data for the indexed restaurant to the user. The tip data can be displayed as a number of one to five dollar signs. A database can store the tip data table that is indexed by restaurant and has tip data for each indexed restaurant. The server can be configured to provide a tip data analysis engine that uses a machine learning model to analyze the tip data associated with one or more indexed restaurants in the database based on the restaurant name. 1. A system , comprising:a merchant matching interface that is configured to receive website information from a browser extension, determine whether the received website information identifies a merchant, identify an indexed merchant in a database based on the determination that the received website information identifies a merchant, and use other website information to identify one or more indexed merchants based on a determination that the received web site information does not identify a merchant; and the browser extension is configured to examine contents of a website and determine that the internet browser is presenting a website that includes a job posting,', 'the browser extension is configured to extract the website information and transmit the website information to the merchant matching interface, and', 'the browser extension is configured to receive tip data from the tip data analysis engine and display the tip data to a user via the internet browser., 'a tip data analysis engine that is configured to use a machine learning model to analyze the tip data associated with one or more indexed merchants in the database based on the received identification information, wherein2. The system of claim 1 , further comprising:a database that stores the tip ...

SYSTEMS AND METHODS FOR FACILITATING LOCATION-BASED INTERACTIONS BY REDUCING INTERCHANGE FEES

A computer-implemented method for providing a location-based interaction-type strategy may include: receiving an indication, from a mobile device associated with a user, that the mobile device has detected that the user is at a location associated with an entity; and in response to receiving the indication that the user is at the location associated with the entity: obtaining interaction data for a plurality of interaction types associated with the user; based on the interaction data, determining a respective interchange assessment of an interaction with the entity with each of the plurality of interaction types; and transmitting a strategy of at least one of the plurality of interaction types to the mobile device based on the respective interchange assessment. 1. A computer-implemented method for providing a location-based interaction-type strategy , comprising:receiving an indication, from a mobile device associated with a user, that the mobile device has detected that the user is at a location associated with an entity; and{'claim-text': ['obtaining interaction data for a plurality of interaction types associated with the user;', 'based on the interaction data, determining a respective interchange assessment of an interaction with the entity with each of the plurality of interaction types; and', 'transmitting a strategy of at least one of the plurality of interaction types to the mobile device based on the respective interchange assessment.'], '#text': 'in response to receiving the indication that the user is at the location associated with the entity:'}2. The computer-implemented method of claim 1 , further comprising:retrieving, from an entity system associated with the entity, entity interaction data, wherein the determining of the respective interchange assessment is further based on the entity interaction data.3. The computer-implemented method of claim 1 , wherein the strategy includes an interaction type corresponding to a lowest of the respective ...

METHODS AND DEVICES FOR AUTOMATIC TRANSACTION MACHINES FOR RECOGNIZING SURROUNDINGS

A method for enhancing automated transaction machine (ATM) security surveillance. The method consists of receiving a set of data from a financial device and generating a template for the financial device. The method generates an analysis by analyzing a portion of the received set of data. The method then determines a likelihood factor that the analyzed first portion is associated with a security threat, wherein if the likelihood factor is above a threshold then the method generates a second analysis by analyzing a second portion of the received first set of data and revises the likelihood factor based on the second analysis. The method generates a notice if the first likelihood factor exceeds a second threshold and then updates the template with the analysis and the likelihood factor and receives a second set of data from the monitoring device. The method updates the template with the second set of data. 120.-. (canceled)21. A processing device for alerting security of surrounding threats to ATMs , comprising:one or more memory devices storing instructions; and initiating communication with a plurality of financial devices configured to: collect data associated with their respective physical environments and determine physical security threats;', 'receiving respective security threat data from at least one financial device;', 'analyzing a first portion of the received respective security threat data with a recognition model;', analyzing a second portion of received security threat data from the financial device associated with the first portion, and', 'revising the first likelihood factor based on the second analysis; and, 'determining a first likelihood factor that the analyzed first portion warrants a security personnel response, wherein if the first likelihood factor is above a first threshold, 'alerting, if the revised likelihood factor exceeds a second threshold, a security personnel of the second analysis from the associated financial device., 'one or more ...

LISTENING DEVICES FOR OBTAINING METRICS FROM AMBIENT NOISE

A device may receive audio data based on a capturing of sounds associated with a structure. The device may obtain a model associated with the structure. The model may have been trained to receive the audio data as input, determine a score that identifies a likelihood that a sound is present in the audio data, and identify the sound based on the score. The device may determine at least one parameter associated with the sound. The device may generate a metric based on the at least one parameter associated with the sound, and perform an action based on the metric. 1. A method , comprising:receiving, by a device and from a listening device associated with a structure, first audio data based on a first sound associated with the structure;receiving, by the device and from the listening device, second audio data based on a second sound associated with the structure; receive ambient audio data as input, and', the first sound, or', 'the second sound; and, 'provide, as output, data indicating that the ambient audio data includes], 'the at least one machine learning model being trained to, 'training, by the device and using, as training data, at least a portion of the first audio data and at least a portion of the second audio data, at least one machine learning model,'}transmitting, by the device, the at least one machine learning model to the listening device.2. The method of claim 1 , wherein training the at least one machine learning model comprises: 'the first machine learning model providing, as the output, first data indicating that the ambient audio data includes the first sound; and', 'training a first machine learning model,'} 'the second machine learning model providing, as the output, second data indicating that the ambient audio data includes the second sound.', 'training a second machine learning model,'}3. The method of claim 1 , wherein the at least one machine learning model comprises a single machine learning model; and a first score indicating a first ...

Method and System to Predict ATM Locations for Users

A system and method for routing customers to an automated teller machine (ATM) is disclosed herein. A computing system receives, from a client device, a request to locate an ATM. The request includes a constraint of a desired ATM. The computing system identifies a plurality of ATMs proximate a location of the client device. The computing system pings the plurality of ATMs proximate the location of the client device to identify attributes associated with each respective ATM. The computing system receives the attributes from the plurality of ATMs proximate the location of the client device. The computing system compares the attributes from each respective ATM to historical ATM usage statistics associated with the client device. The computing system routes a user of the client device to a target ATM from the plurality of ATMs based at least partially on the historical ATM usage statistics. 1. A method of routing customers to an automated teller machine (ATM) , comprising:retrieving, by a computing system, historical ATM transaction data for a plurality of users, wherein the historical ATM transaction data comprises a user identifier and attributes of a respective ATM associated with each historical ATM transaction;training, by the computing system, a prediction model, to learn individualized user ATM habits based on training sets comprising the historical ATM transaction data;receiving, by the computing system from a client device associated with a user, a request to locate a target ATM, wherein the request comprises a constraint of a desired ATM;identifying, by the computing system, a plurality of ATMs proximate a location of the client device based on the constraint; identifying, by the computing system, attributes associated with each respective ATM of the plurality of ATMs proximate to the location of the client device; and', 'comparing, by the computing system, the attributes from each respective ATM of the plurality of ATMs to historical ATM usage statistics of ...

GENERATION OF A COMBINATORIAL PAYMENT QR CODE

Provided, in an aspect, is a method for performing an online transaction using a graphical construct. The method can include receiving, by a client device, inputs to generate the graphical construct; transmitting to a server in communication with the client device, a request to generate the graphical construct; receiving, by the client device, the generated graphical construct and a summary information from the server; displaying, through a user interface of the client device, a summary screen including the generated graphical construct and the summary information; embedding, by the client device, the generated graphical construct on a third-party application running on the client device; sending, by the client device, a transaction request to perform the online transaction using the generated graphical construct; and presenting for display, through the user interface of the client device, a notification including a status of the online transaction. 1. A method for performing an online transaction using a digital graphical construct , the method comprising:receiving, by a client device, a plurality of inputs to generate the digital graphical construct;transmitting to a server in communication with the client device, a request to generate the digital graphical construct;receiving, by the client device, the generated digital graphical construct and a summary information from the server, wherein the summary information includes information regarding the graphical construct being copied and pasted on the client device;displaying, through a user interface of the client device, a summary screen comprising the generated digital graphical construct and the summary information;embedding, by the client device, the generated digital graphical construct on a third-party application running on the client device;sending, by the client device, a transaction request to perform the online transaction using the generated digital graphical construct; andpresenting for display, through ...

Method and System for Crowdsourcing Home Value Estimate

A system and method for crowdsourcing a home value estimate is disclosed herein. Operations include receiving an initial home value estimate for a first home from one or more external computing systems, identifying a second home similar to the first home, and generating a graphical user interface. The operations further include prompting one or more users to select a preferred home between the at least one second home and the first home by transmitting a GUI to one or more client devices associated with the one or more users for display thereon, receiving an indication of a selection between the first home and the at least one second home, and modifying the initial home value estimate to a modified home value estimate based on the indication. 15-. (canceled)6. A method of crowdsourcing a home value estimate , comprising:generating, by a computing system, a graphical user interface comprising a series of questions evaluating desired characteristics of a home;prompting, by the computing system, users to select a desired characteristic by causing the graphical user interface to be displayed via client devices with a third party webpage;receiving, by the computing system, a plurality of responses from the users, wherein each response is associated with a desired characteristic preference of a type of desired characteristic among the desired characteristics of the home;aggregating, by the computing system, the plurality of responses based on the type of desired characteristic to which each response corresponds;receiving, by the computing system from one or more external computing systems, an initial home value estimate for a first home;identifying, by the computing system, a first characteristic associated with the first home;identifying, by the computing system, that the first characteristic corresponds to a first type of desired characteristic;determining, by the computing system, that the first characteristic is a highly desired characteristic preference based on the ...

SETTING UP A PAYMENT PLAN TO PAY A BILL

A device may receive, from a user device, an input that indicates a request to set up a payment plan associated with a bill. The device may send to the user device an instruction for a user to send access information that permits access to a system associated with an employment account of the user. The device may receive from the user device the access information and obtain data related to future earnings of the user from the system using the access information. The device may process the data to identify an earnings amount and an earnings date. The device may determine, based on the earnings amount and the earnings date, the payment plan, wherein the payment plan indicates a payment amount and a payment date, and cause a payment account associated with the user to pay the bill according to the payment plan. 1. A method , comprising:receiving, by a first device and from a second device, access information that enables access to a system associated with an employment account of a user;accessing, by the first device, the system using the access information;obtaining, by the first device and from the system, data related to future earnings of the user; the earnings amount being associated with an amount owed to the user, and', 'the earnings date being associated with a date on which the earnings amount will be available to the user;, 'processing, by the first device, the data to identify an earnings amount and an earnings date,'} 'the payment plan indicating a payment amount and a payment date; and', 'determining, by the first device and based on the earnings amount and the earnings date, a payment plan associated with a bill,'}performing, by the first device, an action based on the payment plan.2. The method of claim 1 , wherein performing the action further comprises:causing a payment account associated with the user to pay the bill according to the payment plan.3. The method of claim 1 , wherein performing the action further comprises:providing a banking server ...

SECURE FILE TRANSFER SYSTEM USING AN ATM

An ATM can receive a media file from a client device and transmit the media file from the ATM to a server. Each of the ATM and the client device can include a master key and the client device can encrypt the media file using the master key before sending the media file to the ATM. The ATM can decrypt the media file using the master key and analyze the media file by a processor of the ATM before transmitting the media file to the server. Analyzing the media file can include one of applying an OCR algorithm to the media file, performing a template algorithm, using a natural language processing technique, using a computer vision method and looking for a watermark. 1. A method comprising:authenticating at an ATM a user, wherein the ATM includes a contactless card reader, a cash dispenser and a vault for storage of money;activating a wireless receiver of the ATM for receiving an encrypted media file in response to authenticating the user;receiving, via the wireless receiver of the ATM, the encrypted media file from a client device associated with the user;decrypting, by a processor of the ATM, the encrypted media file using a master key to generate a media file;converting, by the processor using an OCR algorithm, the media file into an electronic document with machine-encoded text;applying, by the processor of the ATM, a natural language processing technique to the media file to determine a degree of similarity between the media file and a request;displaying a warning on a display of the ATM if the processor determines that the degree of similarity between the media file and the request falls below a threshold value; andtransmitting the media file from the ATM to a server if the processor determines that the degree of similarity between the media file and the request exceeds the threshold value.24-. (canceled)5. The method of claim 1 , wherein the warning is displayed when the media file has a low quality claim 1 , is an incomplete document claim 1 , or has an invalid ...

UPDATING AUTOMATIC PAYMENT METHOD TO AVOID SERVICE DISRUPTION

A device may obtain access to an email account associated with a user. The device may scan a set of emails in the email account associated with the user for one or more indicators related to an expiration status of an automatic payment method. The device may detect one or more emails in the scanned set of emails that contain the one or more indicators related to the expiration status of the automatic payment method. The device may perform one or more actions to maintain continuous service for one or more recurring payment accounts associated with the automatic payment method. The device may communicate with one or more merchant devices associated with the one or more recurring payment accounts to automatically replace the automatic payment method with an updated payment method.

Inserting code into a document object model of a graphical user interface (gui) for unified presentation of data

A browser extension may insert code into a document used to generate a web page. For example, the browser extension may detect that the web page is associated with an entity that is associated with one or more delivery estimates. The browser extension may transmit web page information that identifies the entity associated with the web page and/or a date threshold determined based on user input provided to or stored by the browser extension. The browser extension may receive presentation information that identifies a plurality of delivery estimates for a plurality of entities based on transmitting the web page information. The browser extension may insert the code into the document used to generate the web page based on the presentation information. The code may cause an estimated delivery date and/or an indication of whether the date threshold can be satisfied to be provided for display via the web page.

INFERRING ITEM-LEVEL DATA WITH BACKWARD CHAINING RULE-BASED REASONING SYSTEMS

A rule-based reasoning system may receive first transaction-level data for a first transaction that indicates a first transaction amount of the first transaction and a first merchant associated with the first transaction. The system may determine first item-level data for the first transaction that indicates one or more line items associated with the first transaction. The system may infer second item-level data for a second transaction based on the first item-level data and based on: a determination that a second merchant, associated with the second transaction, matches the first merchant associated with the first transaction, and a determination that a second transaction amount, associated with the second transaction, matches the first transaction amount or satisfies a condition that is based on a calculation performed using the first transaction amount and the second transaction amount. The system may output an indication of the second item-level data associated with the second transaction.

SYSTEMS AND METHODS FOR CAPTURING ELECTRONIC SIGNATURES

Methods and systems for generating electronic signatures are disclosed. In some embodiments, the method includes: storing pixel features of a signing device; capturing, via an imaging device, a plurality of image frames including the pixel features of the signing device; identifying in the plurality of image frames, by a processor, first pixels matching the stored pixel features of the signing device; generating, by the processor, a first image including the identified pixels; and connecting, by the processor, the identified pixels to form at least one line drawing representing a signature. 120-. (canceled)21. A computer-implemented method for generating electronic signatures , comprising:recognizing, by a processor, a signing device in a first image taken by an imaging device, the recognizing comprising distinguishing the signing device from a surrounding environment based on pixel features of the signing device;capturing, via the imaging device, a plurality of image frames including the pixel features of the signing device;identifying in the plurality of image frames, by the processor, pixels matching the pixel features of the signing device;generating, by the processor, a second image including the identified pixels;connecting, by the processor, the identified pixels within the second image to form at least one line drawing representing a signature; anddisplaying the at least one line drawing representing the signature in a graphical user interface.22. The computer-implemented method of claim 21 , wherein recognizing the signing device further comprises detecting an object with a predetermined shape within the first image.23. The computer-implemented method of claim 21 , wherein capturing the plurality of image frames comprises capturing the image frames successively in time.24. The computer-implemented method of claim 21 , wherein the pixel features of the signing device comprise color information including at least one of a red-green-blue (RGB) value claim 21 , ...

UPDATING AUTOMATIC PAYMENT METHOD TO AVOID SERVICE DISRUPTION

A device may obtain access to an email account associated with a user. The device may scan a set of emails in the email account associated with the user for one or more indicators related to an expiration status of an automatic payment method. The device may detect one or more emails in the scanned set of emails that contain the one or more indicators related to the expiration status of the automatic payment method. The device may perform one or more actions to maintain continuous service for one or more recurring payment accounts associated with the automatic payment method. The device may communicate with one or more merchant devices associated with the one or more recurring payment accounts to automatically replace the automatic payment method with an updated payment method. 1. A method , comprising:receiving, by a device, a token from an authentication server;providing, by the device, the token to an email server associated with an email account associated with a user;obtaining, by the device, access to the email account associated with the user based on providing the token to the email server;scanning, by the device, a set of emails in the email account associated with the user for one or more first key words related to an expiration status of an automatic payment method;detecting, by the device and based scanning the set of emails, the automatic payment method has expired or will be expiring within a threshold period;identifying, by the device, based on one or more second key words, and based on detecting the automatic payment method has expired or will be expiring within the threshold period, one or more recurring payment accounts associated with the automatic payment method that has expired or will be expiring within the threshold period;sending, by the device and to a user device, one or more messages including information related to the one or more recurring payment accounts associated with the automatic payment method that has expired or will be expiring ...

SYSTEMS AND METHODS FOR PROACTIVELY RECOGNIZING REASONS FOR ACCOUNT ENGAGEMENT AND PROVIDING NOTIFICATIONS

Systems and methods for monitoring accounts are disclosed. For example, a system may include one or more memory units storing instructions and one or more processors configured to execute the instructions to perform operations. The operations may include receiving account data and account-engagement data associated with an account. The account engagement data may include data related to actions a user performs on a user device, the actions being associated with the account. The operations may include training a user event-model based on a relationship between the account data and account-engagement data. The operations may include receiving additional account data associated with the account and identifying, using the user event-model, a triggering event instance based on the additional account data. The operations may include transmitting a notification based on the triggering event instance. 120.-. (canceled)21. A system for facilitating transmission of user-specific notifications during a time period during which users are likely to act upon those notifications , the system comprising:one or more processors; andnon-transitory computer readable storage medium storing instructions that, when executed by the one or more processors, perform operations comprising:obtaining user account data and user account engagement data associated with a user account, the user account data including data related to changes to the user account and the user account engagement data including actions performed by a user associated with the user account and times associated with the actions performed by the user associated with the user account; adjusting, during one or more training periods, one or more model parameters of the machine learning model; and', 'determining, during each training period whether the machine learning model satisfies one or more training criteria;, 'training a machine learning model, based on the user account data and the user account engagement data during a ...

GENERATING A RANDOM VERIFICATION CODE FOR A TRANSACTION

A device receives, from a user device, a request to generate a verification code for a transaction associated with a user of the user device, and receives user profile information associated with a transaction card to be used for the transaction. The device generates a random verification code for the transaction based on the request and the user profile information, and authenticates the random verification code, based on the user profile information, to generate an authenticated random verification code. The device provides the authenticated random verification code to the user device, and receives transaction information, including the authenticated random verification code, from a merchant device associated with the transaction. The device validates the transaction based on the transaction information, and provides, to the merchant device associated with the transaction, information indicating that the transaction is validated. 1. A method , comprising: 'wherein a transaction card, associated with the user, is to be used for the transaction and does not include the verification code;', 'receiving, by a device and from a user device, a request to generate a verification code for a transaction associated with a user of the user device,'} wherein the user profile information is associated with the transaction card, and', 'wherein the user profile information includes information indicating that the verification code is valid for the transaction for a particular time period;, 'generating, by the device, the verification code for the transaction based on the request and based on user profile information,'}authenticating, by the device and based on the user profile information, the verification code to generate an authenticated verification code;providing, by the device, the authenticated verification code to the user device;receiving, by the device and from a merchant device associated with the transaction, transaction information that includes the authenticated ...

SYSTEMS AND METHODS FOR CRYPTOGRAPHIC AUTHENTICATION OF CONTACTLESS CARDS

Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key. 1. A data transmission system comprising:a contactless card including a processor and memory;an application comprising instructions for execution on a receiving device having a processor and memory, wherein the application is in data communication with the contactless card; transmit, after one or more entries into a communication field, one or more user credentials for authentication;', 'wherein the application is configured to, upon determination of authentication of the one or more user credentials, perform one or more processes, wherein at least one of the one or more processes is selected from the group of an audible message and a visual message for a predetermined time period, wherein the selection is dependent after the one or more entries into the communication field, wherein the at least one selected from the group of the audible message and the visual message are selected based on the one or more entries including one or more gestures such that each of the one or more gestures is indicative of a different message, the one or more gestures including at least one selected from the group of tap, wave, gesture, and swipe, and wherein', 'the contactless card is configured update records stored therein upon performance of the one or more processes., 'wherein the contactless card is configured to2. The data transmission system of claim 1 , wherein a second process of the one or more processes comprises a scavenger hunt to receive at ...

Systems and methods for cryptographic authentication of contactless cards

Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.

SYSTEMS AND METHODS FOR CONTENT MANAGEMENT USING CONTACTLESS CARDS

Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key. 153-. (canceled)54. A contactless card , comprising:a memory containing a key;a communication interface; and create a cryptogram using the key, and', 'transmit the cryptogram for decryption to enable at least one selected from the group of the removal of a functionality restriction and access to a functionality., 'a processor in communication with the memory and communication interface, wherein, after entry into a communication field, the contactless card is configured to55. The contactless card of claim 54 , wherein the functionality restriction includes at least one selected from the group of an advertisement and a request for payment information.56. The contactless card of claim 54 , wherein the functionality comprises at least one selected from the group of a music streaming service and a video streaming service.57. The contactless card of claim 54 , wherein the functionality comprises at least one selected from the group of an online magazine and an online newspaper.58. The contactless card of claim 54 , wherein the functionality comprises a software module associated with additional functions.59. The contactless card of claim 54 , wherein:the functionality comprises a benefit based on criteria, andthe criteria is associated with membership to at least one selected from the group of a club, a group, a loyalty program, an institution, and a qualifying list.60. The contactless card of claim 59 , wherein the qualifying list is based ...

SYSTEMS AND METHODS FOR AUTOMATICALLY PERFORMING SECONDARY AUTHENTICATION OF PRIMARY AUTHENTICATION CREDENTIALS

The disclosed technology includes systems and methods for determining secondary authentication of a user's log-in attempts by comparing received behavioral biometric data and/or received scenario-specific data to saved behavioral biometric data and/or saved scenario-specific data, respectively. Responsive to determining that the received behavioral biometric data and/or received scenario-specific data is above a predetermined threshold of similarity with respect to the saved behavioral biometric data and/or saved scenario-specific data, respectively, the systems and methods can determine that the corresponding log-in attempt is secondarily authenticated. of a user device via behavioral biometric data. Responsive to determining that the level of similarity is not above the predetermined threshold, the systems and methods can initiate a secondary authentication method and can associate the received behavioral biometric data with a second user model. 1. A system comprising:one or more processors; and receive behavioral biometric data from a user device, the behavioral biometric data being associated with an entry of primary authentication credentials on the user device;', 'compare the behavioral biometric data to a first user model associated with (i) the user device and (ii) a credential entry method on the user device, the first user model being based at least in part on stored behavioral biometric data personalized to a user associated with the user device;', 'initiate a secondary authentication method if a level of similarity between the behavioral biometric data and the stored behavioral biometric data of the first user model is less than a first predetermined threshold; and', initiate the secondary authentication method; and', 'in response to the secondary authentication method being validated, associate the behavioral biometric data with a second user model., 'responsive to determining that the level of similarity is below the first predetermined threshold and a ...

MULTI-PART TRANSACTION CARD

A transaction card may include a body having a first part connectable with a second part, and a magnetic stripe on a first main side of the body. A first section of the magnetic stripe is provided on the first part of the body, and a second section of the magnetic stripe is provided on the second part of the body. The transaction card may further include an engagement member extending from the first part of the body for retention within a slot of the second part of the body, the slot embedded within the body between the first main side and a second main side. 1. A transaction card comprising:a body having a first main side and a second main side;a magnetic stripe on the second main side of the body, wherein a first section of the magnetic stripe is provided on a first part of the body, wherein a second section of the magnetic stripe is provided on a second part of the body, and wherein the first part of the body is connectable with the second part of the body; andan engagement member extending from the first part of the body for retention within a slot of the second part of the body, the slot located between the first main side and the second main side.2. The transaction card of claim 1 , further comprising first identifying indicia on the first main side claim 1 , wherein a first section of the first identifying indicia is located on the first part of the body claim 1 , and wherein a second section of the first identifying indicia is located on the second part of the body.3. The transaction card of claim 1 , further comprising second identifying indicia on the second main side claim 1 , wherein a first section of the second identifying indicia is located on the first part of the body claim 1 , and wherein a second section of the second identifying indicia is located on the second part of the body.4. The transaction card of claim 1 , each of the first and second parts of the body including an outer edge and an inner edge claim 1 , wherein the inner edges of the ...

MULTI-PART TRANSACTION CARD

A transaction card may include a body having a first part connectable with a second part, and a magnetic stripe on a first main side of the body. A first section of the magnetic stripe is provided on the first part of the body, and a second section of the magnetic stripe is provided on the second part of the body. The transaction card may further include an engagement member extending from the first part of the body for retention within a slot of the second part of the body, the slot embedded within the body between the first main side and a second main side. 1. A transaction card comprising:a body having a first main side and a second main side;a magnetic stripe on the second main side of the body, wherein a first section of the magnetic stripe is provided on a first part of the body, wherein a second section of the magnetic stripe is provided on a second part of the body, and wherein the first part of the body is connectable with the second part of the body; andan elastic engagement member extending from the first part of the body for retention within a slot of the second part of the body, the elastic engagement member operable to be biased between an unbent configuration and a bent configuration.2. The transaction card of claim 1 , further comprising first identifying indicia on the first main side claim 1 , wherein a first section of the first identifying indicia is located on the first part of the body claim 1 , and wherein a second section of the first identifying indicia is located on the second part of the body.3. The transaction card of claim 1 , further comprising:a first plurality of overlap members of the first part of the body; anda second plurality of overlap members of the second part of the body, wherein the first plurality of overlap members is interdigitated with the second plurality of overlap members when the first part of the body is connected with the second part of the body.4. The transaction card of claim 1 , each of the first and second ...

METHODS AND SYSTEMS FOR FACILITATING DIGITAL NOTIFICATIONS IN MOBILE COMMUNICATION NETWORKS

Methods and systems are described herein for identifying a location of a user prior to sending a notification and/or tailoring notification delivery and/or receipts to a determined location of the user. In many contexts, the delivery or receipt time of these notifications is important. For example, the message may include time-sensitive information or may have been targeted based on delivering (or being received at) an optimal time. The system may determine a time zone identifier by recording a user's default or home location based on known account data and establishing a transaction data stream for identifying transactions that are outside of a radius of the default location. Upon detecting transactions outside the default location, the system may update an account of the user with a temporary location. The system may then determine a delay based on this temporary location. 1. A system for facilitating digital notifications in mobile communication networks using Short Message Peer-to-Peer Protocol (“SMPP”) , the system comprising:storage circuitry configured to store a first user account; receive a text message for delivery to the first user account at a time based on a first location of the first user account;', 'retrieve the first location based on account data for the first user account;', 'determine a communication location based on metadata for a communication comprising the text message;', 'compare the first location to the communication location;', 'in response to determining that the first location does not correspond to the communication location, determine a second location for the first user account based on the communication location;', 'retrieve a first time zone identifier corresponding to the first location;', 'retrieve a second time zone identifier corresponding to the second location;', 'compare the first time zone identifier to the second time zone identifier to determine a delivery time offset for the text message;', 'queue the text message in a ...

METHODS AND SYSTEMS FOR DELIVERING A DOCUMENT

A computer-implemented method for delivering a document to a user may include obtaining, via an automated teller machine (ATM), first identification data of the user, wherein the first identification data of the user includes a card number and a password associated with the card number; determining a notification status of the user based on the first identification data; obtaining, via the ATM, second identification data based on the notification status of the user; determining a delivery status of the user based on the first identification data and the second identification data; and delivering the document to the user based on the delivery status of the user via the ATM. 1. A computer-implemented method for delivering a document to a user , the method comprising:obtaining, via an interaction, between the user and an automated teller machine (ATM), that is unrelated to delivery of the document, first identification data of the user, wherein the first identification data of the user includes a card number and a password associated with the card number;determining a notification status of the user based on the first identification data;obtaining, via the ATM, second identification data based on the notification status of the user;determining a delivery status of the user based on the first identification data and the second identification data, wherein the delivery status includes a determination of one or more of (i) whether the user is a recipient of the document to be delivered and (ii) whether the document has previously been delivered; anddelivering the document to the user based on the delivery status of the user via the ATM.2. (canceled)3. The computer-implemented method of claim 21 , further comprising: the confirmation includes a photograph of the user at a time and location that the document is delivered; and', 'the photograph of the user includes a photograph of the user holding the document., 'obtaining a confirmation of delivery of the document, wherein4 ...

SYSTEMS AND METHODS FOR SMS E-COMMERCE ASSISTANT

The disclosed embodiments provide systems and methods for purchasing items using an e-commerce shopping assistant. In one embodiment, the system includes a processor to perform operations for receiving an electronic message comprising a web address from a user's mobile device via SMS, accessing a web page using the web address, identifying an item for purchase based on the content of the web page, retrieving the user's account information based on an identifier of the mobile device, wherein the account information comprises user preferences and user profile information, identifying merchants from which to purchase the identified item, selecting a merchant from the identified merchants based on the user preferences, configuring the purchase transaction based on the user preferences and the user profile information, and completing the purchase transaction at a merchant system of the selected merchant. 120-. (canceled)21. A system for purchasing items using an e-commerce shopping assistant , the system comprising:one or more memory devices storing instructions; and receiving, from a mobile device associated with a user via a first communication network, an electronic message comprising an image;', 'retrieving, via a second communications network from a database, account information associated with the user based on an identifier of the mobile device, the account information comprising a user preference and user profile information;', 'identifying an item for purchase based on the image;', 'identifying one or more merchants from which to purchase the identified item;', 'selecting a merchant from the identified one or more merchants based on the user preference;', 'configuring a purchase of the identified item based on the user preference and the user profile information; and', 'completing the purchase at a merchant system of the selected merchant., 'one or more processors configured to execute instructions to perform operations comprising22. The system of claim 21 , ...

PAYMENT APPARATUS

An apparatus is disclosed herein. The apparatus includes a first liner, a second liner, one or more fastening components, and one or more prongs. The one or more fastening components couples the first liner to the second liner, defining an opening between. The one or more prongs are positionable between a closed position within the opening and an open position exterior to the opening. The one or more prongs include a payment prong. The payment prong includes a body free, a payment chip receptacle, and a payment chip. The body is free from any personal identification information. The payment chip receptacle is attached to the body. The payment chip is positioned in the payment chip receptacle. The payment chip is removable therefrom. 1. An apparatus , comprising:a payment chip receptaclea payment chip positioned in the payment chip receptacle, the payment chip removable therefrom; anda shaft coupled to the payment chip receptacle, the shaft including one or more printed circuits contacting the payment chip at one or more contact points, wherein the shaft extends between the payment chip receptacle and one or more openings, the openings being able to receive one or more fastening components.2. The apparatus of claim 1 , wherein the shaft and the payment chip receptacle are attached to form a continuous body.3. The apparatus of claim 2 , wherein the body is free from any personal identification.4. The apparatus of claim 1 , further comprising:one or more prongs positionable between a closed position within an opening and an open positioning exterior to the opening.5. The apparatus of claim 1 , wherein the apparatus further comprises:a power source positioned within the openings, the power source coupled to each of the one or more printed circuits.6. The apparatus of claim 1 , wherein the one or more printed circuits enable the payment chip to communicate with external device via a wireless connection.7. The apparatus of claim 6 , wherein the wireless connection is one ...

SYSTEMS AND METHODS FOR IDENTIFYING LOCATION-BASED INFORMATION ASSOCIATED WITH A PRODUCT ON A WEB PAGE

Disclosed are systems and methods for identifying location-based information associated with a product on a web page. The method may include: detecting user navigation by the user of the web page; detecting the at least one product on the web page; identifying one or more merchants having the detected at least one product in stock; determining a user location of the user; determining the identified one or more merchants having the detected at least one product in stock and having a location within a predetermined distance of the user location; generating a list of merchants, the list including the determined one or more merchants having the detected at least one product in stock and having the location within the predetermined distance of the user location; and executing a browser extension to display, on the web page associated with the at least one product, the generated list of merchants. 120-. (canceled)21. A computer-implemented method for identifying location-based information associated with a product on a web page , the computer-implemented method comprising:receiving, by one or more processors, user navigation of the web page from a user device;detecting, by the one or more processors, at least one product on the web page;identifying, by the one or more processors, one or more merchants having the detected at least one product in stock;determining, by the one or more processors, a user location of the user;determining, by the one or more processors, the identified one or more merchants having the detected at least one product in stock and having a location within a predetermined distance of the user location;generating, by the one or more processors, a list of merchants, the list including the determined one or more merchants having the detected at least one product in stock and having the location within the predetermined distance of the user location, the list of merchants further including merchants that other users associated with the user have ...

WEARABLE TRANSACTION DEVICE

A wearable transaction device may include a housing, a fastener component attached to the housing, and an electronic chip secured within the housing. The wearable transaction device may detect a connection with a user device, and receive, from the user device and via the connection, security information for operating the wearable transaction device. The security information may indicate one or more conditions for placing the wearable transaction device in a payment mode or a non-payment mode. The wearable transaction device may receive a request to perform the transaction, and determine, based on the security information, whether the wearable transaction device is in the payment mode or the non-payment mode. The wearable transaction device may selectively perform the transaction based on whether the wearable transaction device is in the payment mode or the non-payment mode. 1. A wearable transaction device , comprising: [ the payment mode allowing the wearable transaction device to be used to perform a transaction independent of the user device, and', 'the non-payment mode preventing the wearable transaction device from being used to perform the transaction until the wearable transaction device is re-paired with the user device,, 'receive, from a user device and via a connection with the user device, security information for placing the wearable transaction device in a payment mode or a non-payment mode,'}, 'terminate the connection with the user device;', 'receive transaction information; and', 'determine, based on the security information and the transaction information, whether to transition the wearable transaction device into the payment mode or non-payment mode., 'an electronic chip configured to2. The wearable transaction device of claim 1 , wherein the security information indicates one or more of:a condition, of one or more conditions indicated in the security information, to be satisfied to place the wearable transaction device in the payment mode or the ...

DYNAMIC CREDIT REPORT OBFUSCATION

A method for creating a customized and redacted credit report may include transmitting a user request to generate a customized credit report, receiving a copy of a stored credit report, analyzing the copy of the stored credit report, displaying one or more information fields and one or more selectable user interface elements, transmitting a credit report redaction list, and receiving a customized credit report. A user device for configuring a customized credit report may include a processor, a display in communication with the processor, and a non-transitory memory storing instructions that, when executed by the processor, cause the processor to perform processing including transmitting a user request to generate a customized credit report, displaying one or more information fields and one or more selectable user interface elements, transmitting a credit report redaction list, and receiving a shareable credit report link associated with a customized credit report. 1. A user device for configuring a customized credit report , the user device comprising:a processor;a display in communication with the processor; and transmit a first user request to generate a customized credit report, the first user request being associated with at least a user identifier of an account;', 'receive information associated with a credit report, the information being associated with a user profile, and the user profile being associated with the user identifier;', 'display, on the display, one or more information fields and one or more selectable user interface elements, the one or more selectable user interface elements being associated with the one or more information fields, the one or more information fields being associated with the information;', 'transmit a credit report exclusion list, the credit report exclusion list comprising one or more of the one or more information fields to be excluded from the customized credit report based on a selection of the one or more user interface ...

SYSTEMS AND METHODS FOR USING HAPTIC VIBRATION FOR INTER DEVICE COMMUNICATION

The present disclosure relates to systems and methods for using haptic vibration for inter-device communication. In one implementation, a system for inter-device communication using haptic vibration may include at least one force gauge configured to measure displacements caused by an external device in contact with the at least one force gauge; at least one memory storing instructions; and at least one processor configured to execute the instructions to: receive an identifier associated with a user; retrieve a pattern associated with the received identifier; receive, from the at least one force gauge, one or more measurements over a period of time; assess a degree of difference between the received one or more measurements and the retrieved pattern; and, when the degree of difference is below a threshold, authenticate the user. 120-. (canceled)21. A system for calibration of a device for inter-device communication , the system comprising:at least one scale configured to measure weight of an external device;at least one vibration sensor configured to measure vibrations from the external device; a table mapping models of external devices to weights and to transformations; and', 'instructions; and, 'at least one memory storing receiving, from a user, an identifier of the user;', 'receiving, from the at least one scale, a measured weight of the external device;', 'determining, using the stored table, likely models for the external device;', 'transmitting to the external device a command to cause the external device to vibrate according to one or more commanded patterns;', 'receiving, from the at least one vibration sensor, one or more measurements corresponding to the one or more commanded patterns;', 'selecting one of the likely models having a mapped transformation that transforms the received measurement into the one or more commanded patterns, within a first margin of error; and', 'associating the received identifier with the selected model., 'at least one processor ...

SYSTEMS AND METHODS FOR DETERMINING KNOWLEDGE-BASED AUTHENTICATION QUESTIONS

Systems and methods for authenticating a user may include transmitting a request for a first set of information after validation of authentication information; receiving a response comprising the first set of information; parsing the first set of information using one or more template-based algorithms by scanning one or more websites to determine publicly available information associated with a user; comparing compare one or more results of the parsing with a second set of information to yield compromised information associated with the user; eliminating one or more portions of the second set of information based on the comparison; presenting a third set of information to authenticate the user based on the elimination and by supplementing the first set of information with a fourth set of information; and presenting a fifth set of information to authenticate the user if the third set of information fails to reach a predetermined threshold number. 120-. (canceled)21. A method of authenticating a user , the method comprising:parsing a social media account associated with the social media handle using a template-based algorithm;verifying the results of the parsing based on the template-based algorithm;comparing the results of the parsing with a plurality of a first set of knowledge-based authentication questions;eliminating a question from the first set of knowledge-based authentication questions based on the comparison;presenting a second set of knowledge-based authentication questions, the second set of knowledge-based questions including a modified version of the first set of knowledge-based authentication questions based on the eliminated question;determining if the second set of knowledge-based authentication questions reaches a predetermined threshold number; andif the second set of knowledge-based authentication questions fails to reach the predetermined threshold number, presenting an additional knowledge-based authentication question.22. The method of claim 21 ...

SYSTEMS AND METHODS FOR MULTI-DEVICE MULTI-FACTOR AUTHENTICATION

Systems and methods for improved security authentication are disclosed. In some embodiments, an improved system for security authentication may include a plurality of computing devices, and a server system communicatively coupled to the plurality of computing devices. The server system may be configured to receive a request for security authentication, determine an authorization providing computing device from among the plurality of computer devices based on authentication preferences stored in a database communicatively coupled to the server system, generate and transmit authentication information to the determined authorization providing computing device, receive, from an initiating computing device an authentication input, determine whether the received authentication input matches the transmitted authentication information, and complete the request for security authentication when the received authentication input matches the generated and transmitted authentication information. 1. An improved system for security authentication comprising:a plurality of computing devices; and determine, based on input received from a user of an initiating computing device from among the plurality of computer devices, authentication preferences, wherein the authentication preferences comprises preferred authorization providers, preferred authorization provider mode of communication, response timing preferences, and a preferred prioritization scheme for authorization providers;', 'store, in a database communicatively coupled to the server system, the determined authentication preferences;', 'receive, from an initiating computing device from among the plurality of computer devices, a request for security authentication;', determine an authorization providing computing device from among the plurality of computer devices based on the preferred prioritization scheme, wherein a user of the initiating computing device is distinct from a user of the authorization providing computing ...

PREEMPTIVE TRANSACTION ANALYSIS

A method may include receiving activity data associated with a user, wherein the activity data relates to online activity involving a product type, identifying the product type associated with the activity data, and predicting, based on the activity data, that the user is likely to purchase a product of the product type. The method may include generating, based on predicting that the user is likely interested in purchasing the product of the product type, an annotation to indicate that a potential transaction to purchase the product is forthcoming, and storing the annotation in a profile associated with an account of the user. The method may include detecting a transaction to purchase the product, wherein the transaction involves a payment from the account, and performing an action associated with a fraud analysis of the transaction based on the annotation. 1. A method , comprising: 'wherein the unstructured data is received from at least one application operating on another device;', 'processing, by a device, unstructured data, associated with activity related to a user, to generate activity data associated with the activity,'}predicting, by the device, based on a machine learning model that is trained to predict that the user is likely to purchase a particular type of product based on the activity data, that the user is likely to purchase the particular type of product; 'wherein the data indicating the potential transaction is removed after a threshold time period;', 'generating, by the device and based on predicting that the user is likely to purchase the particular type of product, data indicating a potential transaction to purchase the particular type of product,'}detecting, by the device, a transaction indicative of a purchase of a product associated with the particular type of product;performing, by the device and based on the data indicating the potential transaction, a particular set of processes from one or more fraud analysis processes associated with the ...

SYSTEMS AND METHODS FOR CUSTODIAL EMAIL MANAGEMENT AND TRANSACTION VERIFICATION

A proxy email account management system configured to identify emails comprising receipt information and match the identified emails to respective transactions. The proxy email account management system may comprise a custodial email management system associated with a proxy email address. The custodial email management system may parse emails for receipt information and account-holder information, identify receipt information and account-holder information, determine if the emails correspond to a purchase made by an account-holder, and forward the email to a primary email address associated with the account-holder. 1. A custodial email management system comprising:at least one processor; and receive, from a first merchant, a first email directed to a single proxy email address, the single proxy email address corresponding to a plurality of account-holders, the first email comprising receipt information;', 'compare the receipt information to an account-holder database to identify account-holder information for a first account-holder of the plurality of account-holders, the account-holder information including a primary email address; and', 'send a forward email to the primary email address, the forward email comprising the receipt information from the first email., 'at least one memory having stored thereon computer program code that, when executed by the at least one processor, controls the at least one processor to2. The system of claim 1 , wherein the computer program code further controls the at least one processor to:receive, from the first merchant, data indicative of a second email directed to the proxy email address;determine that the second email does not include the receipt information by parsing the data indicative of the second email for the receipt information; anddiscard the data indicative of the second email.3. The system of claim 1 , wherein the computer program code further controls the at least one processor to receive a plurality of emails from a ...

SYSTEM FOR VERIFYING THE IDENTITY OF A USER

A system receives an image including a live facial image of the user and an identity document including a photograph of the user. Moreover, the system calculates a facial match score by comparing facial features in the live facial image to facial features in the photograph. The system recognizes data objects and characters in the identity document using optical character recognition (OCR) and computer vision, and then identifies, based on the recognized data objects and characters, a type of the identity document. Further, the system calculates a document validity score by comparing the recognized characters and data objects to character strings and data objects known to be present in the identified type of the identity document. Additionally, the system determines and outputs the user's identity verification status based on comparing the facial match score to a facial match threshold and comparing the document validity score to a document validity threshold. 1. A method comprising: i) a facial image of a user, and', 'ii) an identity document, comprising a photograph of the user;, 'receiving, by a computer processor, image data from an electronic source comprisingcalculating, by the computer processor, a facial match score by comparing a plurality of first facial features extracted from the facial image to a plurality of second facial features extracted from the photograph;recognizing, by the computer processor, at least one data object and at least one character in the identity document to identify a type of the identity document; i) the at least one data object,', 'ii) the at least one recognized character,', 'iii) at least one known data object that is known to be present in the identified type of the identity document, and', 'iv) at least one known character that is known to be present in the identified type of the identity document; and, 'determining, by the computer processor, a document validity score based on i) a weighted combination of the facial match ...

SECURE AUTOMATED TELLER MACHINES

A method for improved security at automated teller machines (ATMs) comprising: capturing, by a first camera at an ATM, one or more images of a bank card; reading card information from the bank card by processing the one or more images of the bank card, wherein the card information comprises an account number and an expiration date; receiving, from an input device at the ATM, a personal identification number (PIN) entered by a user; sending a request to a server device to verify the card information and the PIN; and in response receiving a response from the server device, allowing the user to transact with the ATM. 1. A method for improved security at automated teller machines (ATMs) , the method comprising:capturing, by a first camera at an ATM, one or more images of a bank card;receiving, from an input device at the ATM, a personal identification number (PIN) entered by a user;sending a request to a server device to verify the bank card, the request comprising the PIN and at least one of the one or more images of the bank card, wherein the server device is configured to:determine card information associated with the bank card by processing the one or more images of the bank card, wherein the card information comprises an account number and an expiration date;verify the bank card using the card information and the PIN;determine expected wear indicators for the bank card based on a purchase history of the bank card;determine visible wear indicators for the bank card from the one or more images of the bank card;detect, using the one or more images of the bank card, whether the bank card is counterfeit or not counterfeit based on comparing the expected wear indicators to the visible wear indicators;in response to verifying the bank card and detecting that the bank card is not counterfeit, send a response to the ATM indicating that the user is authorized to access the ATM;in response receiving the response from the server device, allowing the user to access the ATM.2. ...

Enhancing Merchant Databases Using Crowdsourced Browser Data

Systems as described herein may enhance merchant databases using crowdsourced browser data. An electronic payment server may receive cache information associated with the first transaction from a browser extension. The electronic payment server may retrieve a transaction record for a second transaction in a transaction database, wherein the first transaction matches with the second transaction. The electronic payment server may update a merchant record in a private merchant database with a friendly merchant name based on the cache information. Upon determining that the merchant record in the private merchant database exceeds a threshold confidence level, the merchant record may be promoted to a trustworthy database, and the friendly merchant name may be presented to a user device. 1. A computer-implemented method comprising:installing a browser extension to a first user device;receiving, from the browser extension and by an electronic payment server, information associated with a transaction conducted by a user via the browser extension, wherein the information comprises a trustworthy merchant name, and a user identifier associated with the transaction;updating, by the electronic payment server, a merchant record in a private merchant database with the trustworthy merchant name based on a translation from a merchant identifier in a transaction record to the trustworthy merchant name in the information;determining, by the electronic payment server, a confidence level of the merchant record based on a number of merchant records in the private merchant database sharing an association between the merchant identifier and the trustworthy merchant name;based on a determination that the confidence level exceeds a threshold level, promoting by the electronic payment server, the merchant record to a trustworthy database; andcausing the trustworthy merchant name to be displayed on a second user device.2. The computer-implemented method of claim 1 , wherein determining the ...

METHOD, DEVICE, AND MEDIUM FOR UTILIZING MACHINE LEARNING AND TRANSACTION DATA TO MATCH BOYCOTTS OF MERCHANTS TO CUSTOMERS

A device receives third-party boycott data associated with a merchant, and receives customer preference data associated with a customer of the merchant. The device processes the third-party boycott data and the customer preference data, with a machine learning model, to identify a boycott of the merchant that is predicted to be of interest to the customer. The device provides, to a user device of the customer, information identifying the boycott of the merchant and information that solicits the customer to indicate whether the customer desires to join the boycott, and receives, from the user device, information indicating that the customer desires to join the boycott. The device causes a transaction account associated with the customer to be restricted from a transaction with the merchant when the information indicates that the customer desires to join the boycott. 1. A method , comprising:receiving, by a device, user preference data; wherein the particular feature set is generated based at least in part on performing dimensionality reduction of historical third-party boycott data and historical user preference data, and', 'wherein the machine learning model applies a classification technique to the particular feature set to determine an output to associate boycotts to users that are predicted to have an interest in the boycott;, 'processing, by the device, third-party boycott data and the user preference data, with a machine learning model trained using a particular feature set, to identify a boycott that is predicted to be of interest to a user,'}determining, by the device, that the user desires to join the boycott; andperforming, by the device, one or more actions based on determining that the user desires to join the boycott.2. The method of claim 1 , wherein the user preference data includes a threshold quantity of boycotters for a preferred boycott.3. The method of claim 1 , wherein performing the one or more actions comprises:restricting use of a transaction ...