Abstract: Methods and systems are described herein for manipulating a communication acceptance screen, manipulating an interactive communication acceptance icon, and restricting access to accounts based on voice communication parameters. In particular, when a communication is detected from one device to another device, that communication may be risky. Thus, the risk is mitigated by giving a user information about the source of the communication to give a user a chance to reject the communication. In addition, in instances where the user accepts the communication, the system enables monitoring the communication and restricting any accounts that are disclosed within the communication.

Abstract: A payment instrument comprising a bottom layer; one or more intermediate layers, wherein at least one of the one or more intermediate layers comprises: a chip comprising a processor and memory; an antenna coupled with the chip; a reactive medium; and one or more reservoirs comprising beads, each of the beads comprising a reactive agent, the beads configured to release the reactive agent over time onto the reactive medium, wherein the reactive agent causes a change over time of the surface of the reactive medium; and a top layer, the top layer having at least a partially translucent portion, the at least one partially translucent portion above the reactive medium, wherein the reactive medium is at least partially visible through the at least one partially translucent portion.

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 decision-making with multi-channel data inputs are provided. The system includes a plurality of devices, and a server in data communication with the plurality of devices. The server includes a decision engine, a sentiment analysis machine learning model, and a behavior analysis machine learning model. The server is configured to: receive the at least one data input from each of the plurality of device; perform, using the sentiment analysis machine learning model, a sentiment analysis on the at least one data input to generate sentiment information indicative of an emotional state of a user; perform, using the behavior analysis machine learning model, a behavior analysis on the at least one data input to generate behavior information indicative of a behavioral state of the user; determine, using the decision engine, a responsive action based on the sentiment information and the behavior information; and perform the responsive action.

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: Exemplary embodiments relate to updatable displays for transaction cards, such as credit cards or event passes. The displays may be, for instance, an electrophoretic or memory liquid crystal diode display. The transaction card may include a contact pad capable of engaging in wireless communication. Information may be exchanged between the transaction card and a mobile device or terminal, where a processor on the mobile device processes the received information to generate displayable information. The processor updates the display with the displayable information. The contact pad may be electrically connected to the display, and the display may derive electrical power to perform the updating from the wireless communication. For example, where the wireless communication is a near field communication (NFC), a radio frequency field may be generated that supplies enough power to run the processor and at least partially update the display.

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: In some embodiments, the present disclosure provides an exemplary method that may include steps of obtaining a permission from the user to monitor a plurality of activities executed within the computing device; continually monitoring the plurality of activities executed within the computing device for a predetermined period of time; identifying an indication of an incoming interaction session within the predetermined period of time; verifying at least one session interaction parameter associated with the incoming interaction session to identify the incoming interaction session as a repeat interaction session; dynamically retrieving at least one relation-specific notation from a plurality of relation-specific notations to display; instructing an input GUI element to display input data associated with the repeat interaction; automatically updating the plurality of relation-specific notations associated with the historical data relationship; and instructing at least one programmable output GUI to display a notif

Abstract: Methods, systems, and apparatuses are described herein for improving computer authentication processes through computer-based authentication in a manner that excludes P2P transactions from being presented in false options presented to users. A computing device may receive a request for access to an account from a user. The computing device may provide transaction data to a machine learning model. The computing device may receive one or more merchant names related to P2P transactions from the machine learning model. The computing device may generate a modified set of false merchant choices for the user by excluding merchants related to P2P transactions. An authentication question may be generated, and access to the account may be provided based on a response to the authentication question.

Abstract: A computing device may determine that a condition exists with respect to a user of an application. Based on the determined condition, the computing device may determine an action for the user to perform via the application, and an associated importance level of the action. The computing device may identify a user interface element of the application that is associated with the action and a color that is associated with the importance level. The computing device may change the appearance of the identified user interface element such that the user interface element has the color that is associated with the importance level of the action.

Abstract: Provided are approaches for customizing transaction cards using a multi-part card body. In some approaches, the transaction card may include a first section comprising a first outer perimeter, a first interior edge, and a second interior edge extending from the first interior edge, wherein the first and second interior edges form an obtuse angle, and wherein a slot is formed in the first interior edge. The transaction card may further include a second section couplable with the first section, wherein the second section comprises a second outer perimeter, a third interior edge, and a fourth interior edge extending from the third interior edge, wherein a protrusion extends from the third interior edge, and wherein the protrusion is retained within the slot when the first section and the second section are joined together. The transaction card may further include a chip coupled to the first section.

Abstract: A smart card includes a plurality of display devices on an outside surface of a housing. Circuitry within the housing includes a processor, and communication circuitry configured to communicate with at least one computing device located within a geographic region around the smart card. The processor is configured to continuously receive a plurality of communication signals from the computing device, to continuously assess a geographic distance from the smart card to the fixed position of the computing device within the geographic region using the plurality of communication signals, to continuously activate or deactivate the plurality of display devices based on the geographic distance from the smart card to the fixed position of the computing device in the geographic region for providing a user with a directional indication, distance indication, or both, to the computing device in the geographic region.

Abstract: Methods, systems, and apparatuses are described herein for improving the accuracy of authentication questions using e-mail processing. A request for access to an account may be received from a user device. A plurality of organizations may be identified. One or more e-mail associated with the account may be identified. The e-mails may be processed to identify one or more organizations that correspond to transactions conducted by a user. A modified plurality of organizations may be generated by removing, from the plurality of organizations, the one or more organizations. An authentication question may be generated and provided to the user device. A response to the authentication question may be received, and the user device may be provided access based on the response.

Abstract: Methods and systems are described herein for manipulating a communication acceptance screen, manipulating an interactive communication acceptance icon, and restricting access to accounts based on voice communication parameters. In particular, when a communication is detected from one device to another device, that communication may be risky. Thus, the risk is mitigated by giving a user information about the source of the communication to give a user a chance to reject the communication. In addition, in instances where the user accepts the communication, the system enables monitoring the communication and restricting any accounts that are disclosed within the communication.

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: In some implementations, a transaction card includes a first card body portion, a second card body portion, at least one of an integrated circuit chip or a magnetic stripe accessible from at least one of the first card body portion or the second card body portion, and a third card body portion that includes a series of accordion pleats. The series of accordion pleats may be between the first card body portion and the second card body portion. The series of accordion pleats may be configured to contract the third card body portion into a contracted configuration, and to expand the third card body portion into an expanded configuration. The first card body portion may be nearer to the second card body portion with the third card body portion in the contracted configuration than with the third card body portion in the expanded configuration.

Abstract: Systems and methods of the present disclosure enable context-aware haptic error notifications. The systems and methods include a processor to receive input segments into a software application from a character input component and determine a destination. A context identification model predicts a context classification of the input segments based at least in part on the software application and the destination. Potential errors are determined in the input segments based on the context classification. An error characterization machine learning model determines an error type classification and an error severity score associated with each potential error and a haptic feedback pattern is determined for each potential error based on the error type classification and the error severity score of each potential error of the one or more potential errors. And a haptic event latency is determined based on the error type classification and the error severity score of each potential error.

Abstract: Example embodiments of systems and methods for milling patterns for a card are provided. A chip fraud prevention system include a device including a chip. The chip may be at least partially encompassed in a chip pocket. The chip pocket may include one or more shapes. The one or more shapes may include one or more peaks and one or more valleys. One or more connections may be communicatively coupled to at least one surface of the chip. The one or more connections may be placed between at least one of the one or more peaks or one or more valleys.

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: Aspects described herein may allow for authenticating a user by generating a customized set of authentication questions based on spending patterns that are automatically detected and extracted from user data. The user data may include transaction data collected over a period of time that may indicate the types of merchants that a user frequently transacts with. By automatically detecting user patterns that correspond to user behavior over a period of time, an authentication system may be able to generate authentication questions about those spending patterns that are easily answerable to an authentic user but difficult to guess or circumvent for any other user.