Abstract: 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.

Abstract: A webcam account security system that allows a user to require activation of a webcam when accessing an account. The system may prompt a user attempting to access the account to activate the webcam and may deny access to the account or require additional security procedures when access to the webcam is not granted. Additionally, the system may store any images or footage captured by the webcam for analysis in the case a fraud notification is received. The system may further deny access to the account when the webcam is unable to detect the face or an identifying characteristic of the person attempting to access the account.

Abstract: A system is provided including a database and a server. The server is configured to: retrieve online merchant terms associated with a merchant; store in the database the online merchant terms; apply a time stamp to the online merchant terms; associate the online merchant terms with the merchant in the database; assign the online merchant terms a date range in the database; receive information of a transaction of a user; search, based on the information of the transaction, the database for the online merchant terms; determine whether the online merchant terms are applicable to the transaction; associate in the database the online merchant terms with the transaction upon determining that the online merchant terms are applicable to the transaction; and responsive to receipt of a selection of viewing online merchant terms associated with the transaction, transmit the online merchant terms for display to the user.

Abstract: A computer vision card reader and/or point of sale device is described. The device is configured to sense when a user inserts a card into a card reader and to determine when a user departs or is about to depart from the device without retrieving the card. The device may issue an audible or visible alert to the user, reminding the user to retrieve the card. The device may additionally send a notification to a mobile device associated with the user that reminds the user that he has left a card at the point of sale. In some embodiments, message sent to the user contains a code and, upon entry of the code, the point of sale or card reader device returns the card to the user.

Abstract: Systems, methods, and computer-readable storage media for inserting payment information into payment forms without user interaction. A system can identify that a user has navigated to a web page operated by a merchant computer system for a merchant and identify a payment form within the web page. The system can then execute a payment request API which generates a query for saved payment credentials for the user from the merchant computer system. When the merchant computer system indicates it does not have the saved payment credentials for the user, the system can identify browser-saved payment credentials stored in the Internet browser, then generate a virtual payment information associated with the browser-saved payment credentials. The virtual payment information can then be inserted into corresponding fields of the payment form without the user entering any additional information.

Abstract: Systems and methods for fraud monitoring are disclosed, including: receiving a transaction request associated with a first instrument of a user; extracting, characteristics of the transaction request; identifying, by the first processor, user data based on the transaction request; determining a fraud severity value and notification value based on inputting the characteristics and user data into a fraud machine learning model; performing a first fraud action based on the fraud severity value; wherein the first fraud action is at least one selected from the group of locking the first instrument for a period of time, deactivating the first instrument, and electronically transmitting a first query message to a user device associated with the first instrument; and transmitting a fraud notification based on the notification value, wherein the fraud notification includes severity information associated with the fraud severity value.

Abstract: Systems as described herein determine merchant enforced transaction rules. A determination server may receive transaction data associated with a plurality of merchants. The determination server may generate a histogram of payments associated with a merchant category and filter out transaction data having purchase amounts above or below a predetermined threshold. The determination server may determine a first average purchase amount associated with merchants in the merchant category and a second average purchase amount associated with each merchant in the merchant category. The determination server may determine user spending patterns and that a first merchant in the merchant category enforces one or more card-based transaction rules using machine learning models. After determining that a user device is proximately located to the first merchant, a notification indicating the one or more card-based transaction rules associated with the first merchant may be sent to the user device.

Abstract: Systems and methods for authenticating identification information are disclosed. For example, a system may include an Automated Teller Machine (ATM). An ATM may comprise a user interface. The user interface may comprise a joystick. The user interface may be configured to receive joystick input from a user. The ATM may comprise at least one memory storing instructions. The ATM may comprise at least one processor configured to execute the instructions to perform operations. The operations may comprise receiving identification information from the user. The operations may comprise receiving the joystick input. The operations may comprise extracting a joystick sequence from the joystick input. When the joystick sequence is within a predetermined threshold from a stored joystick sequence corresponding to the identification information, the operations may comprise authenticating the user for an ATM operation.

Abstract: In certain embodiments, an online transaction is verified based on merchant-independent user geolocation. A geolocation of a user associated with the online transaction is obtained from a mobile device of the user by a transaction verifying entity separate and independent from a merchant entity with which the online transaction is initiated. A server associated with the transaction verifying entity determines a proximity of the geolocation of the user to a delivery address for verifying the online transaction. The server generates a verification message including an approval message based on the proximity of the geolocation to the delivery address being within a specified threshold. The server generates a verification message including a rejection message based on the proximity of the geolocation to a delivery address exceeding the specified threshold. The server sends the verification message to another server associated with the merchant entity to carry out the online transaction accordingly.

Abstract: 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.

Abstract: A system may include processor(s), a memory in communication with the processor(s), and storing instructions, that when executed by the processor(s), are configured to cause the system to prevent unnecessary payments. The system may receive a signal indicative of an event in which a user device associated with a user enters a geofenced area associated with a merchant. The system may identify a merchant category code (MCC) associated with the merchant, and determine whether benefit(s) related to the MCC are associated with account(s) of the user. The system may receive an attempted purchase associated with the merchant, and may determine whether the attempted purchase relates to the benefit(s). The system may automatically block the attempted purchase related to the benefit(s) and associated with the user, and may transmit a message to the user via the user device, the message providing the benefit(s).

Abstract: 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.

Abstract: An exemplary system, method, and computer-accessible medium for providing a financial account recommendation to person(s) can include receiving a transaction history for the person(s) associated with a first financial account, determining first rewards information based on the transaction history, accessing database(s) containing rewards rates for a plurality of second financial accounts, determining second rewards information for a particular second financial account of the plurality of second financial accounts based on the transaction history, and providing the financial account recommendation to the person(s) to one of (i) keep the first financial account or (ii) switch to the second financial account based on a comparison of the first rewards information to the second rewards information.

Abstract: A computer vision card reader and/or point of sale device is described. The device is configured to sense when a user inserts a card into a card reader and to determine when a user departs or is about to depart from the device without retrieving the card. The device may issue an audible or visible alert to the user, reminding the user to retrieve the card. The device may additionally send a notification to a mobile device associated with the user that reminds the user that he has left a card at the point of sale. In some embodiments, message sent to the user contains a code and, upon entry of the code, the point of sale or card reader device returns the card to the user.

Abstract: A system is provided including a database and a server. The server is configured to: retrieve online merchant terms associated with a merchant; store in the database the online merchant terms; apply a time stamp to the online merchant terms; associate the online merchant terms with the merchant in the database; assign the online merchant terms a date range in the database; receive information of a transaction of a user; search, based on the information of the transaction, the database for the online merchant terms; determine whether the online merchant terms are applicable to the transaction; associate in the database the online merchant terms with the transaction upon determining that the online merchant terms are applicable to the transaction; and responsive to receipt of a selection of viewing online merchant terms associated with the transaction, transmit the online merchant terms for display to the user.

Abstract: A security system for a network may be configured to detect one or more failed authentication attempts to access the network by at least one user device and determine the number of the failed authentication attempts. The system may determine a first risk score based on the number of failed authentication attempts and determine whether the first risk score is greater than or equal to a first risk score threshold and generate a first notification indicating that the user device is attempting to gain unauthorized access onto the network. The system may transmit the first notification to an administrator of the network, determine the user device is successfully authenticated to access the network after the number of failed authentication attempts has been detected, and apply a first set of network activity restrictions to the user device.

Abstract: 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.

Abstract: An artificial intelligence (AI) system including an AI engine is configured to receive identification information entered into an interface, receive at least one location input entered into the interface, select at least one security question and present the selected at least one security question via the interface, and receive an answer to the at least one security question. The AI engine is further configured to apply a predictive model to determine a confidence score based on the identification information entered into the interface, the location input entered into the interface, and the answer to the at least one security question and, when the confidence score exceeds a confidence score threshold, provide user location information, the user location information selected from the user location information stored in a data storage. The provided user location information can be masked to conceal the user location information from display on the interface.

Abstract: 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.