Abstract: Various embodiments are directed to a system that utilizes regular expression (regex) to recognize at least portions of characters, words, text, numbers, etc. in a structured or unstructured dataset, any patterns associated therewith, and/or similarities between the determined patterns. In examples, a regex-based pattern recognition platform may receive a dataset and determine whether at least a first regex pattern and a second regex pattern can be identified. The occurrences of the first and second regex patterns and the frequency of those occurrences may reveal something about the dataset itself or any patterns contained therein.

Abstract: In one aspect, the present disclosure relates to a method for method for efficient allocation of bandwidth in a wireless network. The method can include: identifying a plurality of network interfaces on a first user device; initializing a virtual network resource associated with the plurality of network interfaces; receiving, at the virtual network resource, data packets from an app executing on the first user device, the data packets destined for a remote device; sending a first portion of the data packets to the remote device via a first one of the plurality of network interfaces; and sending a second portion of the data packets to the remote device via a second one of the plurality of network interfaces. An aggregation platform can be configured to receive and reconstitute the first and second portions of the data packets, and to transmit the reconstituted data packets to the remote device.

Abstract: A computer-implemented method may include receiving a customer submission for a vehicle from a customer device, the customer submission including a plurality of customer criteria; receiving a request from the customer device to provide the customer submission to a merchant device; and receiving a reply from the merchant device, the reply including a plurality of merchant criteria. The computer-implemented method also may include determining a variance between the customer criteria and the merchant criteria, and transmitting, to the merchant device, at least one of the variance or the customer criteria.

Abstract: A node of a network receives account access information (AAI) for an account that a user has with a system. The node causes a first record to be added to a distributed ledger that is used for managing access to the account, wherein the first record includes the AAI or an encrypted storage identifier that identifies a storage location for the AAI. The node determines a likelihood that the account is being accessed by the user based on the AAI and/or historical AAI for one or more accounts, that include the account, that are used to access the system. The node causes a second record that includes a value representing the likelihood to be added to the distributed ledger. The node causes one or more other nodes of the network to be alerted that the first record and the second record have been added to the distributed ledger.

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: A card accessory device including, among other things, one or more processors and memory storing instructions that, when executed by the one or more processors, are configured to cause the card accessory device to receive, from a terminal in communication with the card, one or more messages comprising a complete message indicative of successfully reading the card and a read error message indicative that there was an error in reading the card, identify one or more predetermined sequences based on the one or more messages, and perform via a rumble pack, one or more predetermined vibration sequences comprising a first vibration sequence associated with the complete message and a second vibration sequence associated with the read error message in a predetermined pattern.

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. Example embodiments of systems and methods can be used to provide further authentication and added levels of security for transactions.

Abstract: A self-service lender portal provides lenders with a suite of tools for interacting with a multi-lender architecture configured to provide loan applicants with automated pre-qualification and eligibility evaluation for multiple candidate lenders. The lender portal provides lenders with an interface for uploading rule sets defining lending and eligibility criteria, downloading operational data generated from processing loan applicant information, generating and managing security keys for encryption and decryption of sensitive data, and managing access policies for providing single sign-on by interfacing with the lender's own identity management systems.

Abstract: A computer-implemented method that includes receiving a request for a target vehicle including input data associated with an operator, a geographic location, and the target vehicle. The method includes determining a depreciation rate based on third-party transaction data retrieved from databases in accordance with the input data associated with the target vehicle, and a decommission rate based on third-party ownership data retrieved from databases in accordance with the input data associated with the target vehicle. The method includes determining a deterioration rate based on local environmental data retrieved from databases in accordance with the input data associated with the geographic location, and generating a regression model configured to compute an estimated value of the target vehicle during a lifetime of the target vehicle using the input data, depreciation rate, decommission rate, and deterioration rate. The method includes determining an output in response to the request for the target vehicle.

Abstract: Methods and systems are described herein for updating cybersecurity enforcement rules in real-time over disparate computer networks. A rule enforcement system may receive a real-time data stream. The real-time data stream may include real-time communications requiring cybersecurity verification. Real-time data communications are processed through a first rule repository. In response to determining that rule updates to rules within the first rule repository are available, a second rule repository is retrieved and brought online. Previously received real-time communication data is processed with the first rule repository and new real-time communication data is routed to the second rule repository. When previously received real-time communication data has been processed, the first rule repository is disabled.

Abstract: In some implementations, a device may receive an activation signal transmitted by an activator device. The device may determine that a first signal pattern of the activation signal matches a second signal pattern associated with activating the Bluetooth capability of the device. The device may activate the Bluetooth capability of the device based on determining that the first signal pattern matches the second signal pattern. The device may communicate with a wireless communication device using the Bluetooth capability of the device based on activating the Bluetooth capability of the device.

Abstract: Systems and methods are disclosed herein for real-time digital authentication. According to some embodiments, a certification authentication method includes receiving a list of third party root certificates from a remote server, the list of third party root certificates including at least one association between a program configured to run on the computing apparatus and a public key for authenticating communication between the program and an associated server of the program. The method may also include authenticating the list of third party root certificates. The method may also include initiating a communication between the computing apparatus and the associated server and authenticating the communication with the associated server using the public key. Furthermore, the method may also include loading the program onto the one or more memories during a bootstrapping process in response to determining that the communication with the associated server is authentic.

Abstract: In some implementations, a credit decision platform may receive a credit request from an applicant and obtain domestic historical data associated with the applicant from a credit bureau device. The credit decision platform may obtain access to an email account associated with the applicant based on determining that the domestic historical data associated with the applicant is insufficient to process the credit request. The credit decision platform may identify, using one or more machine learning models, a set of email messages included in the email account that are relevant to the credit request and may analyze content included in the set of email messages to generate non-domestic historical data associated with the applicant. The credit decision platform may generate a decision on the credit request based on an estimated creditworthiness of the applicant, which may be determined based on the non-domestic historical data.

Abstract: Various embodiments are generally directed to techniques to provide specific vehicle recommendations to generic user requests. A method for providing the specific vehicle recommendation includes: receiving a generic automobile request from a user, applying a machine learning model (MLM) trained by a corpus of reviews to the received request, and generating, by the MLM, a recommendation for at least one specific automobile feature based on the generic automobile request.

Abstract: A method may include receiving activity data associated with a user, wherein the activity data relates to online activity involving a product type, identifying the product type associated with the activity data, and predicting, based on the activity data, that the user is likely to purchase a product of the product type. The method may include generating, based on predicting that the user is likely interested in purchasing the product of the product type, an annotation to indicate that a potential transaction to purchase the product is forthcoming, and storing the annotation in a profile associated with an account of the user. The method may include detecting a transaction to purchase the product, wherein the transaction involves a payment from the account, and performing an action associated with a fraud analysis of the transaction based on the annotation.

Abstract: To facilitate improved email and device security, embodiments of systems and methods include intercepting, by a processor associated with an entity, an internet request, where the internet request is produced by a link received in an email at a first computing device. The processor determines that the link is externally bound relative to an entity network. The processor determines an existence of a sandbox environment instance in a set of existing sandbox environment instances. The processor routes the link through the sandbox environment instance. The processor updates the sandbox log in the database based on the sandbox environment instance and the link. The processor causes to display on a screen of the first computing device a user interface for interacting with the link in the sandbox environment instance, and the processor logs activities associated with interacting with the link in a security log.

Abstract: Various embodiments are generally directed to techniques to enable use of a transaction card of a user device to perform transactions. Embodiments may include method, techniques, and circuitry to cause a transaction card to extend from a user device to be used to perform the transactions. Further, the transaction card may retract into the housing the user device when not in use.

Abstract: A device having extended reality capabilities receives a video feed including one or more video frames depicting an object. The device provides the one or more video frames to a first machine learning model that identifies the object and one or more parts of the object that are depicted in the one or more video frames, and obtains positional tracking information that represents a position and an orientation associated with the object depicted in the one or more video frames relative to a coordinate space. The device identifies a plurality of parts from the one or more parts of the object that are depicted in the one or more video frames and determines, using one or more second machine learning models, information regarding the plurality of parts and information regarding one or more replacement parts.

Abstract: Aspects described herein may allow for generating a customized price rating using a machine learning algorithm. This may have the effect of improving the display of information about merchants by including customized, personalized price ratings that better reflect the tastes and preferences of a user or group of users. According to some aspects, these and other benefits may be achieved by using a machine learning model, trained to receive input corresponding to both user data and merchant data and output an indication of customized price rating(s) for the merchant that is specific to one or more users, and then to generate information about the merchant for display that includes the customized price rating(s).

Abstract: Systems and methods are disclosed for providing account balance notifications. The disclosed embodiments generally relate to using transmitters to activate a mobile application to request financial account information, such as an account balance, and display the requested information, via the mobile device, before the customer uses an automated teller machine (ATM) or conducts a transaction at a bank branch. In certain embodiments, the transmitters are low energy transmitters. Other aspects of the disclosed embodiments are described herein.