Abstract: A method of generating a marketing offer includes: receiving first data with offers for sale of a product; adding a respective incentive to a corresponding offer, wherein: a magnitude of the respective incentive is incremented toward a corresponding maximum based on a quantity of users that have redeemed the corresponding offer; and the maximum for the respective incentive is determined based on historical data of engagement rates of users for offers with a variety of incentives.

Abstract: Disclosed herein are system, method, and computer program product embodiments for generating a virtual card number (VCN) associated with a credit card having a primary account number (PAN). The algorithm used matches the last 4 digits of the VCN to the last 4 digits of the PAN. By matching the last 4 digits of the VCN to the PAN, customer confusion is avoided, and VCNs may be more widely deployed, reducing the number of PAN reissuances that occur. The implementation of this feature is possible using the specific technique disclosed herein that uses multiple, rotating bank identification numbers (BIN) to expand the universe of available PANs to scales that can support a working implementation. The approach further describes accepting both a PAN card verification value (CVV) and a VCN CVV to authorize transactions. The approach also allows the synchronizing of expiration dates between a VCN and a PAN to further ease the burden of administering VCNs.

Abstract: Methods and systems are described herein for determining auxiliary parameters within datasets, the auxiliary parameters being used to segregate the datasets such that anomaly detection may be performed on the segregated datasets. Based on anomaly detection, alert conditions may then be identified. In particular, a system may, using a machine learning model, determine for a particular target feature (e.g., a parameter being monitored) one or more auxiliary features (other parameters) that effect the values of that parameter and transmit the target feature and the auxiliary features in a message to a monitoring system indicating which features to monitor. The collected data may then be received by the system and transformed into a timeseries dataset, which may then be used to detect anomalies within the data and thereby identify any anomalous points.

Abstract: Transaction cards having a security cover to selectively obscure transaction information and related methods are disclosed. A transaction card may include a card body having a first layer and a second layer secured to each other, and a cover portion pivotably movable relative to the second layer about a cover rotation axis coplanar with the first layer via a hinge portion, wherein, when in an obfuscation orientation, the cover portion is coplanar with the first layer such that one or more elements of transaction information is obfuscated when viewing the transaction card.

Abstract: Multidimensional data analysis applications, including OLAP applications, simultaneously aggregate across many sets of dimensions. However, computing multidimensional aggregates is a performance bottleneck for OLAP data analysis applications. In order to improve the speed of interactive analysis, OLAP databases often precompute aggregates at various levels of detail and on various combinations of data attributes. However, the cost and speed of precomputation influences how frequently the aggregates can be brought up-to-date. Systems and methods disclosed herein provide graph based multidimensional analysis processing without pre-aggregating or precomputing the data along dimensional hierarchies, and by providing the results to the end user on-demand. Since preaggregation or precomputation of data along dimensional hierarchies is not necessary, implementations allow the end user to perform data analysis as soon as the data is available.

Abstract: In some embodiments, a computing system may monitor authentication input and modify authentication requirements based on detection of user-specific input errors. The computing system may use machine learning or other techniques to detect whether an incorrect authentication input corresponds to a common input mistake of a user. If the incorrect authentication input does correspond to a common input mistake of the user, a computing system may modify one or more authentication requirements to make the authentication process easier for the user.

Abstract: Methods and systems described herein relate to authenticating users-based on generating images that have modified features. More specifically, the methods and systems generate these images by processing existing training data to identify a common feature in existing photos that may be modified, and then modifying that feature with the use of generative adversarial networks.

Abstract: Disclosed herein are system, method, and computer program product embodiments for machine learning systems to process incoming call-center calls based on inferred themes. The machine learning system extracts a topic and keywords associated with the topic from a plurality of interactive communications and ranks the keywords based on a frequency of occurrence within the plurality of interactive communications. The machine learning systems select an N highest ranked keywords from the plurality of interactive communications, compares the N highest ranked keywords to previously extracted N highest ranked keywords to identify new keywords, and determines, based on new keywords, that an emerging topic has been articulated in the plurality of interactive communications.

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: Methods and systems are disclosed herein for using anomaly detection in timeseries data of user sentiment to detect incidents in computing systems and identify events within an enterprise. An anomaly detection system may receive social media messages that include a timestamp indicating when each message was published. The system may generate sentiment identifiers for the social media messages. The sentiment identifiers and timestamps associated with the social media messages may be used to generate a timeseries dataset for each type of sentiment identifier. The timeseries datasets may be input into an anomaly detection model to determine whether an anomaly has occurred. The system may retrieve textual data from the social media messages associated with the detected anomaly and may use the text to determine a computing system or event associated with the detected anomaly.

Abstract: Embodiments disclosed are directed to an immutable database with a bitemporal ledger for storing transactions in timelines for maintaining a record of all events and resources within the system. The bitemporal ledger may store a sequence of transactions which include a plurality of transactions previously received by the data processing system in a temporal sequence up to a current time. A new transaction is received and may be appended to the sequence of transactions based on temporal metadata associated with the transaction are received, The temporal metadata may include a valid-from time and a created-at time.

Abstract: Various embodiments are directed to techniques for ensuring that a negotiable instrument has not been altered between the time the instrument leaves the hands of the payor and when the check is presented for redemption by the payee by recording an image of the check in a data block in a blockchain and retrieving the image when the check is presented for redemption for comparison with the check. A match between the stored image and the check indicates that no alteration of the check has occurred.

Abstract: 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.

Abstract: Methods, systems, and apparatuses for tracking and generating analysis of queries submitted to virtual warehouses are described herein. A request to execute a query may be received. An organization may be determined, and the query may be modified to add an indication of the organization. A plurality of virtual warehouses may be identified. One of the plurality of virtual warehouses may be caused to execute the query. Query results and costs data may be received based on execution of the query by the first virtual warehouse. The costs data may indicate one or more costs associated with the execution of the query by the first virtual warehouse. The indication of the organization may be extracted from the query results. A user interface comprising query cost information corresponding to the organization may be generated.

Abstract: Embodiments disclosed herein provide for analyzing cryptocurrency-related information using artificial intelligence. The system and methods provide for: a credibility analysis engine configured to determine the credibility of the cryptocurrency-related information; an artificial intelligence engine configured to predict a cryptocurrency market trend based on the credibility of the cryptocurrency-related information; and a processor is configured to generate and execute a personalized trading decision based on the predicted cryptocurrency market trend.

Abstract: A system and method for early detection of a compromised client device includes a tamper detection service configured to monitor modifications to resource access privileges over time to identify unusual variations in jailbreak status that indicate compromise of the client device. For example, the tamper detection service may monitor the jailbreak status of system files over time to expose attempts to hide the jailbreak status of a protected resource. To validate that malware is attempting to hide the jailbreak status of a protected resources, the tamper detection process may launch multiple different resource accesses, targeting the protected resource, to determine whether different accessibility results are returned, indicating a compromised device.

Abstract: According to certain aspects of the disclosure, a computer-implemented method may be used for regulating vehicle stock. The method may include receiving one or more queries indicative of one or more characteristics of a vehicle for purchase by a user and determining based on the one or more queries indicative of the one or more characteristics of the vehicle, at least one vehicle available for purchase at a location of a merchant. The method may also include determining a quantity of the at least one vehicle purchased and assigning a value to the at least one vehicle based on the quantity of the at least one vehicle purchased and a quantity of received queries about the vehicle. The method may also include transmitting the value to the user, with a recommendation regarding the at least one vehicle available for purchase based on the value.

Abstract: Systems and methods of the present disclosure include processors configured to perform steps to receive a tag data from a contactless communication tag, execute an applet associated with the contactless communication tag, and receive document data associated with an applet-linked document, including a document identifier, a document content data, a document recipient identifier, and a document sender identifier. The processors are configured to further generate an account link linking the document data to a user account associated with the document sender, generate a document entry in the user account based on the account link, generate a webpage from the applet to record the document data such that the document data is accessible upon subsequent reception of the contactless radio signal data, and display the document data and a current status of the applet-linked document on a display of the computing device associated with the contactless reader.

Abstract: A system, process, and computer-readable medium for updating an application cache using a stream listening service is described. A stream listening service may monitor one or more data streams for content relating to a user. The stream listening service may forward the content along with time-to-live values to an application cache. A user may use an application to obtain information regarding the user's account, where the application obtains information from a data store and/or cached information from the application cache. The stream listening service, by forwarding current account information, obtained from listening to one or more streams, to the application cache, reduces traffic at the data store by providing current information from the data stream to the application cache.

Abstract: Systems and methods for providing encryption and decryption involving texture warping, comprising: obtaining a visual input; obtaining a private key; generating an encrypted visual representation (visual representation A) based on the private key and the visual input; determining at least one 3D object configured so that the private key is derivable when the visual representation A is mapped to a digital model of the at least one 3D object; transmitting the visual representation A to a second computing device associated with a second user; transmitting a representation of the digital model of the at least one 3D model to the second computing device; and instructing the second computing device so that the second computing device is configured to map the visual representation A to the digital model generated based on the representation of the digital model of the at least one 3D model to extract the private key.