Abstract: Disclosed embodiments pertain to a payment card with an integrated door. A top layer can be affixed to a bottom semirigid layer. The top layer can include a first portion attached to the front face of the bottom layer and a second portion, or door, coupled to the first portion in a manner that allows the second portion to rotate to and from an open position and closed position. The bottom layer can include a cardholder name, account number, expiration date, and security code hidden from view when the door is in the closed position. A fastener can also be added to secure the door in an open position, closed position, or both. In one embodiment, the payment card can include an antenna for contactless transactions, and the door's position can control the antenna's availability for wireless communication.

Abstract: Methods, systems, and apparatuses are described herein for improving the accuracy of authentication questions using transaction limitations provided by users. A request for access to an account associated with a user may be received from a user device. An account restrictions database may be queried to determine one or more transaction rules associated with the account. The one or more transaction rules may have been created by the user and indicate limitations on financial transactions that may be performed via the account. An authentication question may be generated that is associated with a violation of the one or more transaction rules. The authentication question may be provided to the user device, and a response to the authentication question may be received. Access to the account may be provided to the user device based on the response.

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: 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: Aspects described herein may allow for authenticating a user by generating a customized set of authentication questions based on patterns that are automatically detected and extracted from user data. The user data may include transaction data collected over a period of time. By automatically detecting user patterns that correspond to user behavior over a period of time, an authentication system may be able to generate information that is recognizable to an authentic user but difficult to guess or circumvent for any other user.

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: 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: Systems and methods are disclosed including receiving an electronic access request to add a secondary electronic profile of a secondary user to a primary electronic profile of a primary user. A processor generates and sends a first security challenge to the primary user and a secondary security challenge to the secondary user. The processor receives a response from the primary user in response to the first security challenge and a response from the secondary user in response to the secondary security challenge. The processor authenticates the electronic access request based on the first response being a valid response and the secondary response being a valid response. The processor generates the secondary electronic profile as a nested profile within the primary electronic profile. The processor instructs the primary user device or the secondary user device to display a confirmation of the secondary user being added to the primary electronic profile.

Abstract: In some implementations, a system may receive an automatic transaction request associated with an amount. The system may determine that transferring the amount associated with the automatic transaction request from a main account would cause a value associated with the main account to fail to satisfy a threshold. The system may generate an alternative transaction processing instruction to prevent the automatic transaction request from causing the value associated with the main account to fail to satisfy the threshold. The system may process the automatic transaction request according to the alternative transaction processing instruction, wherein processing the automatic transaction request includes: processing the automatic transaction request using one or more alternative accounts or using the main account after the value of the main account has changed to a level sufficient to satisfy the threshold and cover the amount associated with the automatic transaction request.

Abstract: A computer-implemented method may include receiving, from a module or an application installed on a user device of an individual, data related to first input to a first user interface for an activity associated with a location. The method may further include gathering additional data based on receiving the data related to the first input. The additional data may include one or more prior activities of the individual and one or more activities of interest to the individual. The method may include inputting the received data and the gathered additional data to one or more trained machine learning models. The method may include generating, based on the first output from the one or more trained machine learning models, second output related to the activity. The method may include sending a first instruction associated with causing a second user interface to be displayed on a display of the user device.

Abstract: Example embodiments of systems and methods for a cryptographic bypass system, comprising: a contactless card; and a server, wherein the server is configured to: receive a cryptogram and location data after a tap of the contactless card to a client device, identify a first merchant based on the location data, set a flag associated with the first merchant and the contactless card, receive a transaction request from a merchant payment system of the first merchant associated with the contactless card, wherein the transaction request indicates a transaction amount, and approve the transaction request when the transaction amount exceeds a first transaction limit when the flag is set.

Abstract: A transaction card is provided. The transaction card can include one or more layers having sensitive information related to a user's identity and account information. The transaction card can also include one or more privacy features to selectively obfuscate and reveal the sensitive information.

Abstract: Provided are approaches for customizing transaction cards using a replaceable insert. In some approaches, the transaction card may include a body comprising a first main side opposite a second main side, a first end opposite a second end, and a first side opposite a second side, wherein a chip is coupled to the first main side of the body. An insert may be positioned within a recess along the first main side, wherein a first magnetic material of the recess and a second magnetic material of the insert are positioned proximate one another to increase retention between the insert and the body.

Abstract: Metal transaction cards with removable indicia are provided. In some approaches, a transaction card may include a metal body having a first main side and a second main side, and an identification chip coupled to the first main side of the metal body. The transaction card may further include an exterior layer along the second main side, the exterior layer containing identifying indicia, wherein at least a portion of the exterior layer is removable from the second main side by at least one of: a set of perforations through the exterior layer, and a channel provided along an outer edge of the second main side.

Abstract: Disclosed embodiments pertain to filtering application notifications from one or more applications on an electronic device. A request can be received from an application installed on the electronic device to present a notification. In response, a machine learning model is invoked that is trained to generate a relevancy score for a notification based on historical behavior of the user with respect to previous notifications from the application as well as the active context of the user. The relevancy score can be compared with a threshold to determine whether the threshold is satisfied. Notification filtering can be performed based on whether or not the threshold is satisfied. The method can filter out the notification from presentation if the threshold is satisfied and present the notification if the threshold is unsatisfied, or vice versa.

Abstract: Systems and methods for reducing network traffic associated with a service. In some aspects, the systems and methods provide for using a first machine learning model to process a data stream for a communication with a user and generate a confidence score regarding whether to assign a communication suppression flag to the user account. Based on the confidence score not exceeding a first threshold, a communication suppression flag is not assigned to the user account. Based on the confidence score being between first and second thresholds, at least a portion of the data stream is extracted based on temporal proximity to a time stamp of an intent of the user to not receive further communications. Using a second machine learning model, the extracted portion of the data stream is processed to generate a prediction regarding whether to assign a communication suppression flag to the user account.

Abstract: Systems and methods of caller identification differentiation via machine learning techniques are disclosed. In one embodiment, an exemplary computer-implemented method may include: receiving a permission indicator identifying a permission by the user to detect calls being received by a computing device; receiving an indication of a current call being received; utilizing a trained call differentiation machine learning model to determine a likelihood that the current call is of a first call type or a second call type, where the first call type is associated with a first type of activity and the second call type is associated with a second type of activity.

Abstract: Systems and methods of context-aware caller identification via machine learning techniques are disclosed.

Abstract: Cards having a hybrid construction including a biodegradable portion and related methods are disclosed. A card can include a card body having a top surface and a bottom surface opposite the top surface, the top and bottom surfaces meeting at a peripheral edge of the card body; and a first portion secured to a second portion such that the top surface of the card body spans both the first and second portions and the bottom surface is formed entirely of the second portion. The card can further include a chip secured to the first portion of the card body; wherein the peripheral edge includes at least an insertion edge of the first portion; wherein the second portion of the card body comprises a biodegradable material; and wherein the first portion and a recyclable portion meet at a frangible junction on the top surface of the card body.

Abstract: Methods, systems, and apparatuses are described herein for improving the accuracy of synthetic authentication questions by analyzing third party account data. A request for access to a first account associated with a user may be received. The first account may be managed by a first organization. A transactions database might be queried for first account data. Second account data corresponding to a second account associated with the user might be received. That second account may be managed by a second organization different from the first organization. One or more second transactions, unique to the second account, may be identified. A synthetic transaction, configured to be different from transactions in the first account and the one or more second transactions, may be generated. An authentication question may be generated based on the synthetic transaction. Access to the first account might be provided based on a response to the authentication question.