Abstract: Logic may receive one or more questions from a customer in a chat. The logic may associate the one or more questions with one or more categories of subjects. The logic may store indications of the one or more categories of the subjects with a customer profile. The logic may select questions for a quiz for the customer based on the one or more categories of the subjects in the customer profile from a set of questions. The logic may present the one or more questions to the customer. And, in some embodiments, the logic may receive answers to the one or more questions from the customer.

Abstract: A system and method for detecting and prevent identity theft attempts, such as phishing, vishing or other similar attacks is disclosed. A smart device, such as a smartphone operates in tandem with a biometric sensor, such as is included in a wearable device like a smartwatch or fitness tracker. The wearable tracks certain biometric and/or physiological data that can be used to identify whether the user is in a stressed state. The smart device then accesses usage logs that may indicate whether the stressed state is justified, such as whether the user had a calendar appointment at that time, or whether the call was received from a known contact etc. Justifications reduce the likelihood that the user's stress is a result of an identity theft attempt, whereas lack of justification increases the likelihood. In the latter scenario, the user is notified not to divulge sensitive information.

Abstract: Systems and methods disclosed herein securely provide confidential information associated with a user during an active voice call conducted using the user's mobile device. The confidential information may be provided by generating the information in spoken form and inserting the spoken information into an audio stream of the voice call. For example, a customer may be on a phone call with a customer agent. The customer agent may ask the customer for a credit card number in order to process a financial transaction. The customer may select the credit card number via an application executing on the customer's mobile phone. The application may cause the credit card number to be spoken out loud during the voice call. A voice sample of the spoken credit card number in inserted into the audio stream of the voice call and is therefore, audible to the customer and the customer agent without being overheard by a third party.

Abstract: In some embodiments, the present disclosure provides an exemplary method that may include steps of receiving a permission indicator identifying a permission by the first user to detect calls being received by the computing device; receiving an indication of a particular call being received from a second user at a particular phone number; detecting a triggering condition to verify when the particular phone number is associated with the particular entity; instructing the computing device to execute a computer routine to verify when the particular phone number is associated with the particular entity; receiving an indication from the computer routine when the particular phone number is not associated with the particular entity; instructing the computing device to perform at least one security action; and instructing to notify a second computing device associated with the particular entity with information pertaining to the particular call.

Abstract: A system and method for providing a temporary credit line increase to a customer awaiting or expecting a refund or replenishment of funds is disclosed. The process can be initiated by a creditor or at the request of a customer. In the latter scenario, the customer provides evidence of the expected refund in the form of a shipping label, return receipt, or other communication. In some cases, additional shipping information is acquired from a shipping company associated with the shipping label. Based on the information received from the customer as well as customer account information, a temporary credit line increase amount is calculated. The customer is then informed of the temporary credit line increase and any terminating conditions. The temporary credit line increase remains available to the customer until one of the terminating conditions has been satisfied.

Abstract: In some implementations, a reliability modeler may receive a plurality of webpages associated with a first entity from an Internet scraping device. The reliability modeler may detect, within the plurality of webpages, at least one of a logo, a font, or a color. The reliability modeler may apply a model, trained on a set of guidelines associated with the first entity, to the logo, the font, or the color. Accordingly, the reliability modeler may determine, based on output from the model, that the plurality of webpages are unlikely to be authorized by the first entity. The reliability modeler may transmit, to a user device, an alert based on determining that the plurality of webpages are unlikely to be associated with the first entity.

Abstract: In some implementations, an augmented reality (AR) device may receive first images representing a webpage, an email, a product, or a store associated with a first entity. The AR device may detect, within the first images, a logo, a font, and/or a color. The AR device may apply a model, trained on a set of guidelines associated with the first entity, to the logo, the font, and/or the color. Accordingly, the AR device may receive, from the model, a first score associated with the webpage, the email, the product, or the store. The AR device may transmit an alert based on the first score. In some implementations, the AR device may further receive second images and apply the model to receive a second score associated with the webpage, the email, the product, or the store. Accordingly, the AR device may transmit an additional alert based on the second score.

Abstract: Systems and methods disclosed herein securely provide confidential information associated with a user during an active voice call conducted using the user's mobile device. The confidential information may be provided by generating the information in spoken form and inserting the spoken information into an audio stream of the voice call. For example, a customer may be on a phone call with a customer agent. The customer agent may ask the customer for a credit card number in order to process a financial transaction. The customer may select the credit card number via an application executing on the customer's mobile phone. The application may cause the credit card number to be spoken out loud during the voice call. A voice sample of the spoken credit card number in inserted into the audio stream of the voice call and is therefore, audible to the customer and the customer agent without being overheard by a third party.

Abstract: Methods and systems for generating real-time location-based notifications comprising: receiving information regarding a first activity and a first location for a first user, the first location being a location where the first activity was executed by the first user; in response to detecting a second location of a second user being in proximity of the first location, processing the first activity and the first location using a machine learning model to determine a second activity to be executed by the second user, the second user being authorized to access the first activity and the first location for the first user, the second activity being a type of activity that addresses a consequence of the first activity; and generating for display to the second user a notification indicating the second activity for execution.

Abstract: The disclosed technology relates to assessing and securing credit risk using credit worthiness tokens issued in a blockchain network responsive to particular financial events. An exemplary blockchain node device may store an issuance smart contract associated with an identity and including a first wallet address and allocation parameters. An event query may be sent to an oracle device external to the blockchain network. The event query may include the identity. Event data associated with the identity may then be received from the oracle device in response to the event query. A number of credit worthiness tokens is determined based on an application of the allocation parameters to the event data. The determined number of credit worthiness tokens is then allocated to the identity via the first wallet address. Thereafter, the credit worthiness tokens can be transferred or collateralized, e.g., and can represent credit worthiness for the identity across financial institutions.

Abstract: In some implementations, a server may receive, from a first user, an indication of a first set of times and receive, from the second user, an indication of a second set of times. The server may determine a first location associated with the first user and a second location associated with the second user. Accordingly, the server may identify a set of events based on the first location, the second location, the first set of times, and the second set of times. The server may further select a subset of events, from the set of events, based on first event data associated with the first user and second event data associated with the second user. Based on a selected event from the subset of events, the server may identify an API associated with the selected event and may trigger a call to the identified API.

Abstract: In some implementations, a flight system may receive structured data including a plurality of event entries. The flight system may detect, within the structured data, at least one of the plurality of event entries that is associated with a flight. The flight system may transmit, to a first application programming interface (API), a call including an identifier associated with the flight as a parameter. Accordingly, the flight system may receive, from the first API, data associated with the flight that indicates a layover. The flight system may estimate a duration and a location associated with the layover and may generate a set of possible meals based on the duration and the location. The flight system may receive an indication of a selected meal from the set of possible meals. Accordingly, the flight system may trigger a call to a second API to confirm the selected meal.

Abstract: The disclosed technology relates to assessing and securing credit risk using creditworthiness tokens issued in a blockchain network responsive to particular financial events. An exemplary blockchain node device may store an issuance smart contract associated with an identity and including a first wallet address and allocation parameters. An event query may be sent to an oracle device external to the blockchain network. The event query may include the identity. Event data associated with the identity may then be received from the oracle device in response to the event query. A number of creditworthiness tokens is determined based on an application of the allocation parameters to the event data. The determined number of creditworthiness tokens is then allocated to the identity via the first wallet address. Thereafter, the creditworthiness tokens can be transferred or collateralized, e.g., and can represent creditworthiness for the identity across financial institutions.

Abstract: Disclosed embodiments may include a system for converting a physical meeting into a virtual meeting. The system may receive scheduling and location data associated with a first user. The system may determine whether the first user has an upcoming meeting at a physical location, and responsive to such determination, may determine a proximity of the first user to the upcoming meeting. The system may determine, by an MLM and based on the proximity, a probability that the first user will be late to the upcoming meeting. The system may determine whether the probability exceeds a predetermined threshold, and responsive to such determination, may convert the upcoming meeting to a virtual meeting by generating a virtual meeting link, and may transmit, to user device(s), a notification comprising the virtual meeting link.

Abstract: Disclosed aspects and embodiments pertain to customer distress assistance. A call can be detected to a callee from a caller. The call can be analyzed and determined to be a fraud or spam risk. In response, callee monitoring is triggered. The monitoring can capture biometrics or speech of the callee. Distress in the callee can be determined through analysis of the biometrics or speech and comparison to reference biometrics or speech of the callee. An individual associated with the callee can be selected based on determining the distress in the customer. The individual can be contacted through a notification or a call to assist the callee in distress.

Abstract: In some implementations, a user device may receive one or more first advertisements from one or more first beacons. Accordingly, the user device may exchange check-in messages with a remote device based on the one or more first advertisements. The user device may track a location using at least one or more signal strengths associated with the one or more first beacons and one or more signal strengths associated with one or more second beacons. The user device may further display and update a map based on tracking the location. The user device may receive one or more second advertisements from the one or more second beacons. Accordingly, the user device may request first information associated with the one or more second beacons that is different from second information associated with one or more third beacons. The user device may further display the first information.

Abstract: Disclosed herein are system, method, and computer program product embodiments for recommending a service provider. An embodiment operates by receiving a search request specifying a service request by a user and location for the requested service, retrieving prior financial transactions of the user to purchase the service from a database, and determining a preference of the user based on the retrieved prior financial transactions. The embodiment further operates by applying the preference to a model trained to output a recommended service provider and selecting the recommended service provider for display on a user's device. The model more likely recommends service providers in the location having a higher ratio of tip-to-price relative to other providers for the service in the location based on a history of prior financial transactions of a plurality of users.

Abstract: Disclosed embodiments pertain to systems and methods of facilitating product return. A product purchased by a user from a merchant can be determined from transaction data of the user. A return window for the product can be predicted from one or more of data from merchant websites, industry standards, or transaction data. Further, the likelihood that a product is a candidate for return can be predicted based on the transaction data. If the product is determined to be a candidate for return, the user can be notified of the return window for the product and a confidence score associated with the window. Refund timeliness can also be determined or inferred based on transaction data and provided to the user. Subsequently, transaction data can be monitored, and the user can be alerted if credit is not received after a predetermined time or the credit is less than expected.

Abstract: A computer-implemented method for authenticating a source of a telephone call to a recipient of the telephone call may include receiving, prior to receiving the telephone call, a request to input first authentication information. The first authentication information may include a passcode or a selection of a security question. The method may include receiving input of the first authentication information and sending, by the user device, the first authentication information to a computing device associated with the source of the telephone call. The method may include receiving the telephone call from the source and receiving input from the recipient of the telephone call to answer the telephone call. The method may include receiving second authentication information from the computing device, where the second authentication information may include the passcode or an answer to the security question. The method may include outputting the second authentication information.

Abstract: Disclosed embodiments may relate to crowdsourcing updated information based on raw transaction data. A set of candidate merchant data that matches raw merchant data associated with a customer's purchase transaction may be inferred using a machine learning model. The merchant data may comprise merchant name, postal code, state, city, or merchant category code. An electronic purchase alert may be generated that requests the customer to identify merchant data from the candidate merchant data associated with the purchase transaction. The electronic purchase alert may be transmitted to a customer within a predetermined time after the transaction. The purchase alert is accessible to the customer through a computing device. Further, the machine learning model may be retrained after a predetermined time with the raw merchant data and identified merchant data associated with the transaction and additional transactions.