Abstract: This disclosure relates generally to systems and methods for providing personalized financing information and, more particularly, systems and methods for providing personalized financing information via a dealership website using an API associated with a financial service provider. In one embodiment, a system includes memory hardware storing instructions that configure processing hardware to receive a loan request for a buyer via a real-time API that includes at least buyer identification and financial information and information associated at least one inventory item presented on a dealership website. The system may also determine financing information comprising prospective financing terms for the at least one item based on at least the loan request. The server may also provide, to the dealership server via the real-time API, the determined financing information for presentation on the dealership website, including prospective financing terms information corresponding to each of the at least one item.

Abstract: Systems and methods disclosed herein provide automatic expense categorization of transactions or expenditures based on a machine learning (ML) model trained using anonymized transactional data for expenditures that are stored in a public blockchain. The anonymized transactional data for the expenditure and the expense category, may be distributed throughout the blockchain network and recorded in the blockchain. In some implementations, an expenditure may be submitted to the blockchain network for expense categorization. The transactional data for the expenditure may be anonymized to remove confidential and personal identifying information (PII) before it is distributed throughout the blockchain network. Each participating node of the blockchain network may utilize the ML model to identify an expense category for the expenditure. The participating nodes may provide a consensus mechanism in order to arrive at a shared understanding of how to categorize the expenditure.

Abstract: Techniques for routing to content within a mesh network based on a blockchain are provided. An electronic device can receive data from a mesh network to establish the device as a node on the mesh network. The established node can generate a cryptocurrency wallet that can be loaded with an amount of cryptocurrency. A blockchain can store searchable transactions related to content stored within the mesh network. The established node can search the blockchain to locate content and can transmit a request for certain content. The established node may issue a payment to a node hosting the requested content and/or to any intermediate nodes facilitating the established node's access to the content.

Abstract: Methods and systems are described herein for improvements to authenticate users, particularly authenticating a user based on data known to the user. For example, methods and systems allow for users to be securely authenticated based on data known to the users over remote communication networks without storing the data known to the users. Specifically, methods and systems authenticate users by requiring users to select images that are known to the users. For example, the methods and systems may generate synthetic images based on the user's own images and require the user to select the synthetic image, from a set of a set of images, that is known to the user to authenticate the user. Moreover, the methods and systems alleviate storage and privacy concerns by not storing the data known to the users.

Abstract: Embodiments are generally directed systems, devices, methods, and techniques to detect vehicle service events in transactions, and to store the vehicle service events in a data store.

Abstract: Techniques and apparatus for an interactive element presentation process are described. In one embodiment, for example, an apparatus may include logic operative to store a plurality of model specifications for computational models, monitor the object storage service for at least one model event using a first serverless computing service, provide the plurality of model specifications associated with the at least one model event to one of a plurality of serverless computing clusters, generate model data for each of the plurality of model specifications, store the model data for each of the plurality of computational models in the object storage service, monitor the object storage service for at least one data event associated with the model data using a second serverless computing service, cause the plurality of instances to generate a plurality of trained model specifications based on training of the plurality of computational models. Other embodiments are described.

Abstract: Methods and systems are disclosed herein for improving the quality of audio for use in a biometric. A biometric system may use machine learning to determine whether audio or a portion of the audio should be used as a biometric for a user. A sample of the user's voice may be used to generate a voice signature of the user. Portions of the audio that do not meet a similarity threshold when compared with the voice signature may be removed from the audio. Additionally or alternatively, interfering noises may be detected and removed from the audio to improve the quality of a voice biometric generated from the audio.

Abstract: Some embodiments of the present application include obtaining first data from a data feed to be provided to a plurality of machine learning models and detecting a changepoint in the first data. In response to the changepoint being detected, a first machine learning model may be executed on the first data to obtain first output datasets. A first performance score for the first machine learning model may be computed based on the first output datasets. A second machine learning model may be caused to execute on the first data based on the first performance score satisfying a first condition.

Abstract: Methods and systems are disclosed herein for improving the quality of audio for use in a biometric. A biometric system may use machine learning to determine whether audio or a portion of the audio should be used as a biometric for a user. A sample of the user's voice may be used to generate a voice signature of the user. Portions of the audio that do not meet a similarity threshold when compared with the voice signature may be removed from the audio. Additionally or alternatively, interfering noises may be detected and removed from the audio to improve the quality of a voice biometric generated from the audio.

Abstract: Disclosed herein are system, method, and computer program product embodiments for providing denomination selection capabilities to account holders withdrawing funds via a cardless ATM system. An account holder may queue an ATM withdrawal in desired monetary denominations from a mobile application running on their mobile device. The account holder may subsequently scan a QR code displayed at an ATM using the mobile application and receive the desired monetary denominations from the ATM, all without using an ATM card. Two other approaches are provided to an account holder when queueing an ATM withdrawal that includes denominations. In a denomination-driven request, the account holder selects denominations first and then receives a list of proximate ATMs that can satisfy the denomination request. In a location-driven request, the account holder selects an ATM first and then can tailor the denomination request to the denominations available in the selected ATM.

Abstract: According to certain aspects of the disclosure, non-transitory computer readable media, systems and methods are disclosed for creating and executing test scenarios for automated testing of web pages. A computer system, for example, may perform operations including: recording one or more actions performed by a user on a web page, the one or more actions resulting in a web page element being displayed in the web browser application, recording an identifier of the web page element, in response to detecting a user input indicating a selection of the web page element, and recording a characteristic of the web page element; and generating, by the testing extension, a test scenario specifying a testable outcome resulting from the one or more actions, the testable outcome being an occurrence of an element having the identifier and the characteristic.

Abstract: A transaction card receives a first input containing a first touch sequence from a first user and including first touch gestures, determines that the first touch sequence corresponds to a first reference touch sequence associated with the first user, and initiates a first operating mode, associated with the first touch sequence, that is associated with the first user and causes the transaction card to perform a first function. The transaction card receives a second input containing a second touch sequence that is different from the first touch sequence, from a second user and including second touch gestures, and initiates, based on determining that the second touch sequence corresponds to a second reference touch sequence, a second operating mode, associated with the second touch sequence, that is associated with the second user and causes the transaction card to perform a second function that is different from the first function.

Abstract: Methods and systems disclosed herein collect user data in real-time and organize them (e.g., using collaborative filtering) into groups (e.g., clusters). The system then determines statistical distributions of observed real-time intents (e.g., based on actual selections made by users) for each group. The system then merges this distribution with existing model predictions (e.g., a model trained on historical training data) to balance between historical and dynamically updated information.

Abstract: Successful application of a coupon code on an e-commerce website is detected via network request tracking and page data tracking. Upon coupon application, the coupon code is stored, for example in a server-based database. The coupon code is then automatically applied to subsequent e-commerce purchases whose parameters match the requirements for the coupon. The coupon can be automatically applied to purchases made by the same user and/or other users, as applicable.

Abstract: Various embodiments are generally directed to enhancing a card activation experience for an authorized card user when activating a new card by at least displaying various types of information related to the new card in augmented reality (AR) and allowing the user to perform the activation itself or experience other aspects of the activation process in AR. Information pertaining the successful activation of the card may also be provided to the user in AR.

Abstract: In some implementations, a client device may provide, in a document object of a user interface, a primary document content section, and a secondary document content section that includes first document content. The client device may receive, via a first input and a second input, user input of a particular combination of an objective and an outcome for the objective. The client device may obtain presentation information that identifies a plurality of informational content blocks responsive to the particular combination. The client device may insert code based on the presentation information into the document object, where the code causes the secondary document content section to change content from the first document content to second document content. The client device may provide the user interface for presentation by the client device based on inserting the code into the document object.

Abstract: A transaction card may power on the transaction card using electric current induced from an interaction of the transaction card with an electromagnetic field. The transaction card may establish a communication with a device. The communication may indicate that the transaction card has powered. The transaction card may receive, from the device, a set of instructions to configure a set of applets on the transaction card after notifying the device that the transaction card has powered on. The set of applets to be configured may be related to completing one or more different transactions. The set of applets to be configured may be different than another set of applets already configured on the transaction card. The transaction card may configure the set of applets on the transaction card according to the set of instructions after receiving the set of instructions.

Abstract: Systems and methods are provided for depicting information about a vehicle in augmented reality. An exemplary method may include determining identification information of a vehicle based on input received from a client device and obtaining, from an information source, vehicle information based on the identification information. The method may also include analyzing the vehicle information using an artificial intelligence engine and extracting vehicle history data from the vehicle information based on the analysis. The method may also include identifying a portion of the vehicle associated with the vehicle history data and providing instructions, based on the vehicle history data, to an augmented reality-enabled device to superimpose an indicator on a visual representation of the vehicle at a location corresponding to the portion of the vehicle.

Abstract: In one aspect, the present disclosure relates to a payment card amplification device comprising a card reader, an amplifier, an antenna, and a power supply. The card reader is configured to read payment card information from a payment card and generate an output signal comprising the payment card information. The amplifier is coupled to receive the card reader output signal and configured to generate an amplified signal comprising the payment card information. The antenna is coupled to receive the amplified signal and transmit the payment card information, wherein the transmitted payment card information can be read by a payment terminal. The power supply is coupled to a power source and configured provide power to the card reader and the amplifier.