Abstract: Various embodiments are generally directed to techniques for crowdsourcing metadata, such as to create, maintain, utilize, and/or communicate metadata in a datastore. Some embodiments are particularly directed to collecting, managing, and/or distributing metadata via a user interface application (UIA), or an extension thereof. Many embodiments may facilitate collaborative creation of a repository for metadata, such as notes, characteristics, and/or statistics corresponding to data viewed with the user interface application. For example, the comments regarding websites may be collected from a first user via a first instantiation of the web browser extension and distributed to a second user via a second instantiation of the web browser extension. In several embodiments, the metadata may be collected and managed with instantiations of the web browser extension (herein after “WBE instants”) and a data manager may create, maintain, utilize, and/or communicate metadata in a datastore.

Abstract: A system and method of operating a computing system including: a control unit configured to: generate a user transaction history based on parsing a user data set received from a transaction history database; generate a database of a collected coupon data based on the user transaction history; identify a merchant location based on a map data from a map database, and the database of the collected coupon data; identify a merchant based on a user location and the merchant location; retrieve the collected coupon data associated with the merchant based on identifying the merchant; activate the collected coupon data on a transaction card based on an activate parameter; and a storage unit, coupled to the control unit, configured to store the database of the collected coupon data and the merchant location for retrieval during an application state; and a communication unit, coupled to the control unit, configured to transmit the collected coupon data to the transaction card for display on a user interface.

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.

Abstract: Disclosed herein are system, method, and computer program product embodiments for generating and displaying virtual number information using augmented reality technology. Interaction with virtual number information may be provided via an augmented reality display in relation to a payment object that is detected within a real-time view of an augmented reality application. Exemplary operations of the augmented reality application include providing a real-time view via the mobile device, processing a payment object shown via the real-time view, generating a virtual number based on processing of the payment object, and utilizing the generated virtual number.

Abstract: Methods and systems are described for verifying an identity of a user through contextual knowledge-based authentication. The system described uses contextual knowledge-based authentication. By verifying an identity of a user through contextual knowledge-based authentication, the verification is both more secure and more intuitive to the user. For example, by relying on confidential and/or proprietary information, the system may generate verification questions, the answers to which are known only by the user.

Abstract: Disclosed herein are system, method, and apparatus for generating labels for k-means clusters. The method includes accessing a plurality of data records from a database repository, and storing the plurality of data records into at least one of primary or secondary memory associated with at least one computer processor performing the method, along with a cluster number for each data record. All data records having a same cluster number form a cluster, and each record has been categorized or designated a cluster number out of a total K number of clusters. The method includes for each of a plurality of classification features, performing cluster-based analysis for a first cluster with respect to a single feature to generate a single feature overlap score. The method includes sorting, grouping, and generating a naming label for the first cluster based on the predetermined number of features having the lowest overlap scores.

Abstract: Various embodiments described herein are generally directed to techniques for managing fraud rules and generating authentication directions according to location data from one or more client devices. Embodiments may include using a payment server informed by a client device application to manage and/or apply fraud rules for transactions. In embodiments, fraud rules may be managed based on location data provided by a client device application and/or location data associated with at least one transaction system. In some embodiments, fraud rules may be managed based on location data provided by multiple client device applications and/or location data associated with at least one transaction system. In some embodiments, rules may be managed for an individual authorization request according to information from at least one client device application and location data for a transaction system associated with the authorization request.

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: Methods and systems are disclosed for providing Near Field Communications. In certain embodiments, an Android mobile operating system based mobile device is configured with software that, when executed by one or more processors, determines whether the mobile device is to perform an NFC communication with a contactless payment terminal (CPT) using a secure element associated with an NFC controller included in the mobile device. Based on the determination, the mobile device is configured to execute software that performs communications with the CPT using the NFC controller.

Abstract: Systems, methods, and computer-readable media for communications between applications in a mobile operating system. A first application may receive a request for data from a second application. The first application may generate a first URL to the second application, a parameter of the first URL comprising an identifier of the first application. A mobile operating system may access the first URL to open the second application. The second application may validate credentials for an account and initiate a server on a port. The second application may generate a second URL to the first application, a parameter of the second URL comprising the port. The operating system may access the second URL to open the first application. The first application may establish a connection with the server using the port specified in the second URL and receive data from the second application via the connection with the server.

Abstract: Systems and methods for improved security authentication are disclosed. In some embodiments, an improved system for security authentication may include a plurality of computing devices, and a server system communicatively coupled to the plurality of computing devices. The server system may be configured to receive a request for security authentication, determine an authorization providing computing device from among the plurality of computer devices based on authentication preferences stored in a database communicatively coupled to the server system, generate and transmit authentication information to the determined authorization providing computing device, receive, from an initiating computing device an authentication input, determine whether the received authentication input matches the transmitted authentication information, and complete the request for security authentication when the received authentication input matches the generated and transmitted authentication information.

Abstract: In certain embodiments, nuance-based augmentation of gesture may be facilitated. In some embodiments, a video stream depicting sign language gestures of an individual may be obtained via a wearable device associated with a user. A textual translation of the sign language gestures in the video stream may be determined. Emphasis information related to the sign language gestures may be identified based on an intensity of the sign language gestures. One or more display characteristics may be determined based on the emphasis information. The textual translation may be caused to be displayed to the user via the wearable device according to the one or more display characteristics. In some embodiments, a unique voice profile for the individual may be determined. A spoken translation of the sign language gestures may be generated according to the textual translation, the unique voice profile, and the emphasis information.

Abstract: Described herein is a system for generating financing structures. A learning engine may extract data sets associated with sellers of various products. The learning engine may be trained using the data sets. The learning engine may identify a subset of dimensions that cause a change in a determination of a final price for a given product. The learning engine may compute a value for each of the sellers with respect to each dimension. The learning engine may group the sellers into different clusters. The learning engine may generate using a model, including the subset of dimensions. The learning engine may receive a request to generate a financing structure for a specified product sold by a specified seller. The learning engine may generate financing structures for the specified product sold by the specified seller based on the generated model.

Abstract: Disclosed herein are system, method, and computer program product embodiments for remote activation of an automated teller machine (ATM) to dispense cash to a customer. The customer may stage a transaction using a mobile application on a mobile device. Upon the staged transaction being authenticated and approved, the customer may visit the ATM. The customer may capture an image being displayed on a display of the ATM using a camera of the mobile device. The captured image may be sent to an application server from the mobile device. The application server may associate the ATM with the staged transaction that is staged using the mobile application, and send instructions to the ATM to dispense cash according to the staged transaction.

Abstract: Disclosed herein are system, method, and computer program product embodiments for modifying a graphical user interface (GUI) in response to detecting an accessibility pattern. In an embodiment, a user interacting with an application of a mobile phone may experience difficulty viewing the GUI elements or supplying commands to the application. Data from sensors on the mobile phone may be recorded and analyzed to detect an accessibility pattern indicating that the user is experiencing difficulty interacting with the application. For example, a proximity sensor may indicate that the user has placed the mobile device close to the user's face. In response to detecting an accessibility pattern, the application may modify the GUI of the application according to the particular accessibility pattern detected.

Abstract: Disclosed herein are system, method, and device embodiments for ATM access during a power outage. In an example embodiment, an automated teller machine (ATM) may receive power from a mobile device including a banking application, send the power to a rechargeable battery of the ATM, and enter a reduced power mode, wherein the ATM is powered by the rechargeable battery. Further, the ATM may receive a transaction request including an authentication credential from the banking application, determine an account associated with the authentication credential, determine an authorization result indicating whether to perform the transaction request, and generate recordation information corresponding to the authorization result.

Abstract: Various embodiments are generally directed to techniques of overlaying a virtual object on a physical object in augmented reality (AR). A computing device may receive one or more images of the physical object, perform analysis on the images (such as image segmentation) to generate a digital outline, and determine a position and a scale of the physical object based at least in part on the digital outline. The computing device may configure (e.g., rotate, scale) a 3D model of the physical object to match the determined position and scale of the physical object. The computing device may place or overlay a 3D virtual object on the physical object in AR based on a predefined location relation between the 3D virtual object and the 3D model of the physical object, and further, generate a composite view of the placement or overlay.

Abstract: Embodiments of systems and methods for generating user interfaces are described. In an embodiment, a monitoring tool can observe the user's interaction with a computing device, collect input and output operation data, and calculate a user effectiveness score based on the collected data. A user interface can be generated based on the user effectiveness score to match the user's proficiency.

Abstract: Embodiments of systems and methods for data access control and account management are described. In an embodiment, a server can apply flags to user accounts identified as requiring the user to perform an action or, in the case of potentially compromised access credentials, to offer the user the opportunity to authenticate and create new credentials. A user account database and an access report database can store access credentials, flags, and other relevant information for use by the server to perform various administrative, authentication, and protective actions on user accounts.

Abstract: Systems as described herein may include generating an aggregated service status report for a real-time service delivery platform. A plurality of services running in a service domain may be determined. A request for a status of system behavior corresponding to a particular service may be received. Service connection details of the particular service may be discovered and metric data of real-time data movement may be tracked. Real-time snapshot aggregation of the particular service may be provided. In a variety of embodiments, a real-time system behavior report for the service across availability zones may be presented.