Abstract: Embodiments may be generally directed to techniques and systems to detect errors and anomalies in contactless transaction processing. These systems may include transaction cards, point-of-sale (POS) terminals, and transaction processing systems.

Abstract: Arrangements for automatically implementing bucket policy management making it automatic that all affected members are always completely and consistently informed of changes to a policy code as they occur, and making it automatic that a complete and accurate historical record is maintained regarding all policy code changes as they occur over time.

Abstract: A method and system to utilize a user's activities pattern on a user equipment (UE) device as an additional authentication parameter are disclosed. The method includes monitoring, at the UE device, activities of the UE device, and generating, at the UE device, at least one pattern based on analysis of the monitored activities of the UE device. The method further includes receiving, at the UE device, a request to access a protected application. The method includes comparing, at the UE device, an activity of the UE device with an activity determined from the at least one pattern and a corresponding time data associated with the request to access the protected application. The method further includes determining, at the UE device, a level of authentication necessary to grant access to the protected application based on the comparing.

Abstract: A computer-implemented method for providing product recommendations to a user may include receiving audio data from a user device. The audio data may include human speech from a user associated with the user device. The method may further include: performing a speech-to-text process on the audio data to determine text; segmenting the text into discrete conceptual units; identifying keywords that correspond words in the text; associating keywords with the conceptual units having the corresponding words; performing a first analysis process on the conceptual units to determine a first score; performing a second analysis process portions of the human speech correlated with the conceptual units to determine a second score; determining a keyword score for each keyword based on the first and second scores of the conceptual units; determining a product recommendation based on the keywords associated with conceptual units and the corresponding keyword scores; and causing the user device to output the recommendation.

Abstract: Various examples generally directed to unlocking a locked contactless card for use as payment in card-present transactions are provided. The contactless card is a payment card associated with a payment account. An application executing on a mobile device may be operable to enable unlocking the locked contactless card and receive an indication that the contactless card associated with the mobile device is unlocked for use in card-present transactions. The application may present information related to permitted uses of the unlocked contactless card via a graphical user interface. The permitted uses of the unlocked contactless card may be modified via the graphical user interface.

Abstract: A system for obtaining user parameters of e-commerce users to auto complete checkout forms includes one or more processors configured to monitor user interactions of a user with a merchant website on a user device; determine an intent to purchase one or more items based of the monitoring; determine an unfilled template of a checkout form associated with the merchant website based on previously stored website information, wherein the unfilled template of the checkout form comprises a plurality of checkout form fields; determine one or more user parameters associated with the user device; apply a machine learning algorithm to predict a geolocation of the user device based on the one or more user parameters; and auto fill the at least one of the plurality of checkout form fields in the unfilled template of the checkout form based on the predicted geolocation.

Abstract: Systems and methods are disclosed for providing purchase recommendations. According to some examples, a method may include: determining respective frequency distributions of a plurality of vehicle attributes, the frequency distributions being determined based on occurrences of values of the plurality of vehicle attributes in a set of vehicles; selecting a vehicle attribute from the plurality of vehicle attributes based on the frequency distributions of the plurality of vehicle attributes; transmitting, to a user device, an inquiry for user preference regarding the selected vehicle attribute; receiving, from the user device, a response indicating the user preference; and presenting, to the user device, a recommendation of one or more vehicles determined based on the received response.

Abstract: Techniques to improve a schedule using optimization are described. Some described techniques improve the schedule using optimization upon a user's travel booking operation and/or in response to changes in the user's relationships. The techniques include an apparatus, a method, and a computer-readable medium configured to process relationship data associated with potential candidates for a set of meetings in a schedule, relationship data corresponding to interaction indicia with each potential candidate, generate, from the relationship data, a connectivity network comprising links with the potential candidates, each link of the links corresponding to a relevance value between a user and a specific potential candidate, and populate, via an optimization unit, open meeting spaces in the schedule with meeting data based upon the connectivity network and availability data of the potential candidates, the schedule being configured to substantially maximize relevancy of the set of meetings.

Abstract: A webcam account security system that allows a user to require activation of a webcam when accessing an account. The system may prompt a user attempting to access the account to activate the webcam and may deny access to the account or require additional security procedures when access to the webcam is not granted. Additionally, the system may store any images or footage captured by the webcam for analysis in the case a fraud notification is received. The system may further deny access to the account when the webcam is unable to detect the face or an identifying characteristic of the person attempting to access the account.

Abstract: A computer-implemented method for providing a vehicle recommendation may include obtaining characteristic data of a user-defined vehicle based on one or more interactive activities of a user with a first three-dimensional model of a model vehicle; generating a second three-dimensional model of the user-defined vehicle based on the first three-dimensional model and the characteristic data; obtaining one or more images of the second three-dimensional model; generating a selection of one or more pre-stored vehicles based on a comparison between the one or more images of the second three-dimensional model and pre-stored image data of the one or more pre-stored vehicles other than the user-defined vehicle; obtaining user feedback data based on the selection of the one or more pre-stored vehicles; generating the vehicle recommendation for the user based on the user feedback data; and transmitting, to a device associated with the user, a notification indicative of the vehicle recommendation.

Abstract: A transaction card construction and computer-implemented methods for a transaction card are described. The transaction card has vector-formatted visible information applied by a laser machining system. In some embodiments, systems and methods are disclosed for enabling the sourcing of visible information using a scalable vector format The systems and methods may receive a request to add visible information to a transaction card and capture an image of the visible information. The systems and methods may capture data representing the image. The systems and methods may also determine an ambient color saturation of the image. Further, systems and methods may translate the image based on the ambient color saturation of the image. The systems and methods may also map the translated image to a bounding box and convert the mapped image into vector format. In addition, the systems and methods may provide the converted image to a laser machining system.

Abstract: Systems, methods, and computer-readable media are provided for enabling mobile device-based item acquisition and tracking. One exemplary method performed on a mobile device comprises entering a wireless scan mode, detecting a signal from a tag associated with an item in a first area and in proximity to the tag, presenting information associated with the tag, and adding the information to a list. The method further comprises detecting a second tag in a second area, and sending the list to a second device. A second exemplary method performed by a processing terminal comprises receiving the list from a mobile device, entering a wireless scan mode, detecting a signal from a tag associated with an item in proximity to the tag, determining whether the item associated with the detected tag is present on the received list, and enabling the mobile device to complete a transaction to purchase the item.

Abstract: Various embodiments are generally directed to method and devices to receive biometric data and transaction data relating to a transaction, apply a model to the biometric data and the transaction data to determine an emotional state of the user during the transaction, and determine an action associated for the transaction based on the emotional state of the user during the performance of the transaction. Embodiments further include causing performance of the action.

Abstract: In some embodiments, the present disclosure provides an exemplary technically improved method for providing real-time alerts about an app user's location and the possibility that a user may be contemplating a credit offer from a merchant for a specific credit transaction with the merchant; alerting the user of the entity's willingness to extend credit for the specific credit transaction(s) with a merchant; negotiating with the user in real-time about the credit terms that the entity may be able to provide in comparison to offers received from existing merchants; and if approved, providing the user with the same or better credit terms than those offered by the merchant for that particular transaction(s); and avoiding any negative impact to the user's credit scores from a hard inquiry by either the merchant or the entity of the user's credit history with a credit bureau.

Abstract: A system including: a processor; and a memory storing computer program code that controls the processor to: collect real-time business process metrics; collect real-time cluster metrics for a plurality of application clusters indicative of a required allotment of infrastructure resources for a given business process level; estimate a predicted future business process level; based on the estimated predicted future business process level and the real-time cluster metrics, predict a future infrastructure resource requirement of each of the plurality of application clusters; compare the predicted future infrastructure resource requirement of each of the plurality of application clusters to a current dedication of each of the plurality of application clusters; automatically adjust, in real-time and based on the comparison, respective allotments of infrastructure resources for each of the plurality of application clusters; receive an actual business process; and process the business process across the plurality of

Abstract: A dynamic transaction card that includes a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer layer, a potting layer, a touch sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV chip, an energy storage component, one or more antenna (e.g., Bluetooth antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer. The card includes a secure element to receive visual impairment settings and alert data. A microprocessor can convert the alert data into impairment data based on the visual impairment settings. A display is generated based on the impairment data.

Abstract: The present disclosure is directed to systems, apparatuses and methods for mitigating cyber-attacks. For example, the method includes receiving, from one or more network devices tracking activity on a network, one or more data streams associated with a respective one of the one or more network devices, identifying a security alert from the one or more data streams, the security alert including metadata context describing the network device from the one or more network devices that originated the security alert, analyzing the metadata context to generate a metadata context score. When the security alert is determined to be a security threat event, classifying a type of the security threat event based on the related activity score and the metadata context, and outputting a recommended mitigation course of action based on the classified type of the security threat event.

Abstract: A device receives a communication associated with a support issue encountered by a user, and receives information identifying one or more self-support actions performed by the user in relation to the support issue. The device assigns the communication to a position in a support queue. The support queue includes information identifying positions of other communications received from other users, when the other communications are received, and self-support actions performed by the other users. The device associates the information identifying the one or more self-support actions with information identifying the position of the communication, and applies respective weights to the one or more self-support actions. The device generates a score for the communication based on applying the respective weights, and modifies the position of the communication based on the score. The device performs one or more actions based on modifying the position of the communication.

Abstract: A computer-implemented method for providing personalized purchasing information to a user may include: obtaining first identification data of the user from a first engine; verifying a registration status of the user based on the first identification data; obtaining second identification data of the user from a second engine based on the registration status of the user; comparing the first identification data of the user and the second identification data of the user; initiating a real-time credit monitoring session based on the comparison between the first identification data of the user and the second identification data of the user; generating the personalized purchasing information of the user based on the real-time credit score of the user; and demonstrating the personalized purchasing information on a display of a device associated with the user.