Abstract: Systems and methods are provided for generating and managing dynamic customized electronic tokens for electronic device interactions. A system for transferring data between a user device associated with a user and a remote device may include a memory storing instructions and a processor configured to execute the stored instructions. The stored instructions may configure the processor to receive, via a network, transaction information from the remote device, access information associated with an electronic token, and provide the electronic token to the remote device. The electronic token may be associated with at least one of the user or the user device, and a token server may generate the electronic token based on the received transaction information, and determine one or more expiration parameters for the electronic token.

Abstract: Systems and methods related to a variable non-fungible token. A variable non-fungible token comprises a non-fungible token that is minted with an indication of a non-transferable ownership wallet (e.g., a digital wallet for which the non-fungible token is minted for), a non-transferable smart contract address that has permissions for updating metadata for the variable non-fungible token, and a metadata property threshold based on a specific user corresponding to the digital wallet.

Abstract: A method including receiving a first application user credential associated with a user profile; comparing, for a first match, the first application user credential with a stored second application user credential, wherein the stored second application user credential is associated with a user identity; and responsive to finding a first match, verifying the user identity by performing the following: communicating with a card using near field communication; receiving a public key of a key pair of the card and cardholder identification information of an account holder of the card; instructing the card to generate a digital signature; receiving the digital signature from the card; verifying the digital signature using the public key; and comparing, for a second match, at least a portion of the user identity with at least a portion of the cardholder identification information.

Abstract: A first merchant node on a semi-private blockchain virtual currency exchange system is exclusively capable of creating first virtual currency units. Unaffiliated merchant node(s) are exclusively capable of creating other merchant-specific virtual currency units in the system, while customer computing devices are incapable of creating virtual currency units. The first merchant node creates and issues first virtual currency units to a first customer account associated with a first customer computing device. Upon receiving a transaction request for exchanging first virtual currency unit(s) for a second currency type between the first customer account and another customer account, the first merchant node validates the first transaction request, and creates and sends a first transaction receipt to unaffiliated merchant node(s).

Abstract: In certain embodiments, image-feature malicious-activity detection and access prevention may be facilitated, where an activity notification associated with a transaction triggers feature detection for at least one image related to a different transaction. In some embodiments, a first image (received in connection with a first transaction) may be associated with the first transaction, and a second image (received in connection with a second transaction) may be associated with a second transaction. In response to a malicious activity notification associated with the first transaction, an identifying characteristic (e.g., a facial feature) detected in the first image may be used to determine whether to prevent access to an account related to the second transaction. As an example, in response to determining that the identifying characteristic is present in the second image, access to the account related to the second transaction may be prevented.

Abstract: A dynamic transaction card comprising an outer surface, a sensor, and a display disposed on the outer surface is disclosed. The dynamic transaction card can include an antenna and a microcontroller controlling a dynamic transaction card application. The dynamic transaction card can also include a secure payment chip having a plurality of contact points and storing a passive tag associated with a user. The passive tag can include a unique identifier and one or more log-in credentials for the user. When making a purchase, the user can be authenticated via a connection between the dynamic transaction card and a user device. The unique identifier can be used as an authentication token and the one or more log-in credentials can be verified against log-in credentials associated with the user.

Abstract: In some implementations, a system may identify, using a machine learning model, a pattern of events based on account information associated with a user. The system may generate a prediction of a time period during which a predicted event, associated with the pattern of events, is predicted to occur. The system may receive an indication that a vehicle, associated with the user, is to travel a route from a starting location to an ending location during the time period. The system may identify a physical location associated with the predicted event based on a location associated with the vehicle or based on the route. The system may generate a new route that includes the starting location, the physical location as a waypoint along the new route, and the ending location. The system may transmit information that identifies the new route to a device associated with the vehicle.

Abstract: Methods and systems are disclosed herein for cryptographically secured transfer of an item. In some embodiments, the system may cause generation of multiple key shares of a private key from which a blockchain address on a blockchain is derived. The system may generate a cryptographic representation of a physical item to be transferred from the first user to the second user, the physical item corresponding to the first item. The system may cause a first amount of the first item to be transferred to the blockchain address. The system may obtain a candidate cryptographic representation from the second user. The system may generate, based on the candidate hash matching the hash of the feature vector representing the physical item, a signed message using a partial signature of the second user and another partial signature derived from the third key share.

Abstract: Systems and methods related to a variable non-fungible token that dynamically update metadata during blockchain functions. A variable non-fungible token comprises a non-fungible token that is minted with an indication of a non-transferable ownership wallet (e.g., a digital wallet for which the non-fungible token is minted for), a non-transferable smart contract address that has permissions for updating metadata for the variable non-fungible token, and a metadata property threshold based on a specific user corresponding to the digital wallet.

Abstract: In some embodiments, an authentication system may be configured to process one or more tokens that incorporates one or more tailored-wavelength-range coded patterns, codes represented within a steganographic image, or “overlapping” codes. As an example, such a token may include (i) one or more invisible-ink-printed patterns printed using infrared ink corresponding to different tailored wavelength ranges within the infrared light spectrum, (ii) one or more steganographic images in which invisible-ink-printed patterns are interweaved within the steganographic images, (iii) visible-ink-printed patterns and invisible-ink-printed patterns printed substantially within the visible ink portions of the visible-ink-printed patterns, or (iv) other features, where the invisible-ink-printed patterns correspond to one or more authentication codes or other data for token authentication.

Abstract: Disclosed herein are system, method, and computer program product embodiments for providing an overall assessment of a combined inventory item and structure similarity to an initial inventory item and structure. A plurality of inventory items, stored in a database, maybe retrieved to generate a score value corresponding to each of the plurality of inventory items based on a plurality of facets describing the inventory item. Based on the generated score value, a subset of the plurality of inventory items may be determined based on data points representing the subset of the plurality of inventory items that are within a preconfigured Euclidean distance from a centroid representing a data point corresponding to the initial inventory item. One or more structures corresponding to the subset of the plurality of inventory items may be dynamically generated, and their combinations are scored for finding an alternate inventory item and structure.

Abstract: A computer-implemented method for detecting a security status of a computer system may include: in response to satisfaction of a predetermined trigger condition associated with an electronic application installed on a memory of the computer system, performing a security check process on the computer system; in response to the security check process determining that a security status of the computer system is currently compromised, performing a first security action; and in response to the security check process determining that the security status is formerly compromised, performing a second security action.

Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. Microservices on the transaction exchange platform may interact with the transaction objects based on configured workflows associated with the transactions. Processing on the transaction exchange platform may facilitate clearing and settlement of transactions. Some aspects may provide for dynamic and flexible reconfiguration of workflows and/or microservices. Other aspects may provide for data snapshots and workflow tracking, allowing for monitoring, quality control, and auditability of transactions on the transaction exchange platform.

Abstract: Embodiments of the present disclosure provide a device, system, methods and components related to a modular card. Example components of the modular card include a thin rectangular rear plate, a thin rectangular front plate overlying the rear plate, a first plurality of fasteners fixed to the thin rectangular front plate, a second plurality of fasteners fixed to the thin rectangular rear plate, the second plurality of fasteners being configured to be removably engaged with the first plurality of fasteners; a magnetic strip, and/or an integrated circuit. In operation a user may remove and/or replace various components to customize the modular card. Some customizations include altering the accounts to which the modular card relates. In some example, the modular card may include components which relate to different accounts.

Abstract: A predictive model system may include an application comprising instructions for execution on a device including one or more processors coupled to memory, and one or more servers in data communication with the application. The one or more servers may be configured to receive a first set of data which may be updated to include transaction data and at least one selected from the group of mileage rental information; create a predictive model based on the first set of data; transmit, to the application, one or more requests including a second set of data, the second set of data comprising at least one selected from the group of location information, date, time, name, and age of a user; update the predictive model based on the received second set of data received; generate a dynamic rate based on the updated predictive model; and transmit, to the application, the dynamic rate.

Abstract: A method is provided for communicating with a transaction card having a card data processor, a near card field communication (NFC) interface, and a card memory having a unique card identifier stored therein. In this method, a user communication device establishes an NFC session with the transaction card and transmits to the transaction card an NFC data exchange format (NDEF) WRITE TAG command including session-specific challenge information. The user communication device transmits to the transaction card an NDEF READ TAG command and receives from the transaction card, card-specific challenge response information. The challenge response information is then used to authenticate the transaction card.

Abstract: Disclosed herein are system, method, and computer program product embodiments for performing in-flight transformations of data streams. Complex event processing (CEP) operating on event records from various data streams can operate by storing the streamed event record data in a database, and then querying the data to perform a data transformation. However, in order to improve the performance of the data transformations and streamline CEP, a serverless architecture is introduced that can perform data transformations directly on streams, using attributes of the streamed record data defined in a schema. The resulting transformed data can then be provided by the serverless architecture to the CEP for direct access of the data most needed by the CEP.

Abstract: In some implementations, a transaction card may receive transaction data from a transaction terminal based on initiation of a transaction with the transaction terminal; generate a tokenized primary account number, for use with the transaction, based on the transaction data and an actual primary account number of the transaction card; and transmit the tokenized primary account number to the transaction terminal for processing the transaction.

Abstract: Methods, systems, and apparatuses for device fingerprint-based authentication are provided herein. A computing device may receive, from a user device, authentication credentials and a first device fingerprint. The device fingerprint may be encrypted using a public/private key pair and may identify one or more aspects of the user device, such as operating parameters of the user device. Based on the authentication credentials, the computing device may authenticate the user device, store the first device fingerprint, and send a token to the user device. The computing device may receive a request for access to content. The request may comprise the token and a second device fingerprint. The second device fingerprint may be different from the first device fingerprint. Based on the token and comparing the first device fingerprint to the second device fingerprint, the computing device may determine whether to authenticate the device that sent the request.

Abstract: Various embodiments are generally directed to an identity proofing platform. The platform may receive, from a user, personally identifiable information (PII) related to a consumer and determine one or more verifications requested by the user. The verifications may be one or more of a government identification (ID) verification, a credit bureau verification, or a mobile network operator verification. The platform may send a SMS message to the consumer for consent approval and receive consent from the consumer. The platform may perform the one or more verifications, generate an identity proofing result based on the performed one or more verifications, encrypt the identity proofing result, and send the identity proofing result to the user.