Abstract: Systems and methods for authorizing a source for virtual certification number (VCN) use include receiving a VCN use request from an external entity, the VCN use request including the VCN and transaction data associated with the VCN use request, determining that a VCN binding for the VCN is a strict binding, mapping the transaction data to a transaction source having a transaction source identifier based on the VCN binding being the strict binding, determining a VCN source identifier for the source associated with the VCN, based on a registration authentication of the VCN with the source, comparing the VCN source identifier to the transaction source identifier, determining that the VCN source identifier corresponds to the transaction source identifier based on comparing the VCN source identifier to the transaction source identifier, outputting an approved authorization indicating that the VCN is associated with the source and the source is the transaction source.

Abstract: Aspects described herein may allow for the generation of a message to be sent to an intended recipient of a request for a communication session prior the initiation of the communication session. The system may monitor applications and associated devices to determine the initiation of the communication session. Based on such a determination, the system may generate a message to be presented to a communication initiating user and to be sent to an intended recipient of the communication session. The system may determine data for the message based on an analysis of the data associated with the communication initiating user, and the system may apply a machine learning model to generate draft messages for the user. Messages may be generated to authenticate a user with an intended recipient of the communication session.

Abstract: Disclosed are examples related to building a customized data collection widget. Building of the customized data collection widget includes receiving a selection of several universal modules for inclusion in the widget. Each universal module of the selected several universal modules may include programming code that causes rendering of user-fillable data fields on a display, and a summary page including data requirements of the respective universal module. Based on the data requirements in a summary page of each respective universal module of the selected several universal modules, the selected several universal modules retrieved from a module repository may be combined in a customized data collection container stored in a composite repository. The selected customized data collection container may be combined with selected other data collection containers to form a uniquely identifiable, customized data collection widget. The customized data collection widget may be delivered to the composite repository.

Abstract: A system and method in accordance with exemplary embodiments may include systems and methods for providing first-in-wallet payment account auctioning. In an exemplary embodiment, a method for providing first-in-wallet payment account auctioning includes, receiving, via a network, consumer preference data, current consumer financial situation data associated with a plurality of payment accounts, and account terms associated with each of the plurality of payment accounts; scoring each of the plurality of payment accounts based on the consumer preference data, the current consumer financial situation data, and the account terms and determining an optimal payment account to be the first-in-wallet account out of the plurality of payment accounts based on the scoring.

Abstract: A system including: one or more processors; a memory storing instructions that, when executed by the one or more processors are configured to cause the system to: receive a plurality of user names and a plurality of anonymized user identifiers; receive a plurality of user attributes associated with one or more users of the plurality of users; receive a first plurality of hash values that uniquely identify an association between each user attribute and one or more users; receive a first request for a listing of user names associated with a first user attribute; receive a first secret key; generate a second plurality of hash values; determine a first subset of the first plurality of hash values that match the second plurality of hash values; generate a first graphical user interface including the listing of user names; and transmit the first graphical user interface to the first user device.

Abstract: A computer-based method includes receiving an activity data associated with a user; where a first user activity profile of the activity data is associated with: a) a first profile identifier, and b) a first instrument, where the first instrument comprises a first security measure; receiving an authentication request to authenticate an identity of the user; generating a security challenge to identify the user; the security challenge being based on a second user activity profile of the activity data; receiving a security response to the a security challenge from an instrument generation module; the security response comprising a second profile identifier associated with a second instrument; authenticating the user based on the security response; generating a third profile identifier to replace the first profile identifier; instructing the instrument generation module to dispense a third instrument; where the third instrument includes: a) the third profile identifier, and b) a second security measure.

Abstract: The system and methods described herein allow users to give their applicant information when seeking to purchase a good with financing from multiple potential lenders, and may be pre-screened by one or more rule sets implemented by a marketplace client in an eligibility analysis to ultimately submit applicant information to a subset of the multiple potential lenders which are found to be suitable for lending to an applicant based on the applicant information, wherein lender microservices are then run in a jailed, firewalled, and self-contained, autonomous environment, and the results of said lender microservices are reported to the user and may be used to change the one or more rule sets implemented by the marketplace client for future pre-screening of applicants.

Abstract: Systems and methods for recovery access to lost blockchain wallet seed phrases are disclosed. The systems and methods can store seed phrases for users for future retrieval. In some examples, a decentralized oracle creates an oracle private key that can be used to authenticate a user who is requesting the seed phrase. In some examples, the oracle creates a private/public key pair that can be used to transmit and store an encrypted version of the seed phrase. The authentication steps described herein also include knowledge-based authentication questions about the wallet, e.g., prior transactions using the wallet, value of the wallet, and the like.

Abstract: Systems and methods for providing a disposal recommendation for an owned vehicle are provided. The method includes generating a profile for the owned vehicle, the profile including age, mileage, and location of the owned vehicle, receiving monitoring data of the owned vehicle, and receiving sales data for non-owned vehicles corresponding to the profile. The method may further include generating predicted depreciation data of the owned vehicle, based on the sales data and the monitoring data, and providing a recommended disposal time for the owned vehicle, based on the predicted depreciation data.

Abstract: A system including at least one processor; and at least one memory having stored thereon computer program code that, when executed by the at least one processor, controls the at least one processor to: receive an email addressed to a user; separate the email into a plurality of email components; analyze, using respective machine-learning techniques, each of the plurality of email components; feed the analysis of each of the plurality of email components into a stacked ensemble analyzer; and based on an output of the stacked ensemble analyzer, determine whether the email is malicious.

Abstract: Methods and systems are described herein for modifying scheduled events based on bandwidth availability. To modify the scheduled event, the system determines a plurality of user devices corresponding to an event. The system receives first network conditions for a first user device and generates a feature input based on the first network conditions. The system inputs the feature input into an artificial intelligence model to determine a first available bandwidth metric and aggregates the first available bandwidth metric with respective available bandwidth metrics for other user devices of the plurality of user devices to determine a composite available bandwidth metric. The system can compare the composite available bandwidth metric to a threshold available bandwidth metric and in response to determining that the composite available bandwidth metric equals or exceeds the threshold available bandwidth metric, the system generates for display, on a user device interface, a recommendation for modifying the event.

Abstract: A system and method for providing a temporary credit line increase to a customer awaiting or expecting a refund or replenishment of funds is disclosed. The process can be initiated by a creditor or at the request of a customer. In the latter scenario, the customer provides evidence of the expected refund in the form of a shipping label, return receipt, or other communication. In some cases, additional shipping information is acquired from a shipping company associated with the shipping label. Based on the information received from the customer as well as customer account information, a temporary credit line increase amount is calculated. The customer is then informed of the temporary credit line increase and any terminating conditions. The temporary credit line increase remains available to the customer until one of the terminating conditions has been satisfied.

Abstract: A computer-implemented method of generating and processing electronic forms may include: generating and storing a plurality of prompts; receiving a first form request from a first user device; generating a first form including a first set of prompt instances; causing the first form to be displayed on the first user device; receiving a first set of user inputs, each of the first set of user inputs being associated with one or more of the first set of prompt instances; and storing the first set of prompt instances and the first set of user inputs while maintaining the plurality of prompts.

Abstract: Systems and methods for providing a separate interest rate for an individual transaction are disclosed. A system may provide a service associated with a account having an account balance and an associated first interest rate. The system may include a service device having one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform a separate interest rate service process. The process may include providing a separate interest rate service offer to a client device and receiving a separate interest rate selection from the client device. The process may also include determining a selected portion of the account balance corresponding to an amount to which a second interest rate, different from the first interest rate, is to be applied based on the separate interest rate selection.

Abstract: In some aspects, a computing system may use a machine learning model to determine whether a computer security policy should be modified to reduce the likelihood of a cyber security incident. Through the use of a machine learning model, unsafe combinations of access grants or permissions may be identified and modified to prevent cyber security incidents from occurring. The computing system may input a representation of a computer security policy into a machine learning model, which has been trained on a dataset that includes representations of computer security policies. The computing system may generate output indicating a likelihood that the first computing system will be involved in a cyber security incident. Based on the output satisfying a first threshold, the computing system may generate a recommendation to modify the first computer security policy. The computing system may modify the first computer security policy based on the recommendation.

Abstract: A method includes obtaining a first dataset including a first feature set, generating a first set of feature values by providing the first dataset to a set of feature primitive stacks, and determining a reduced set of feature values based on the first set of feature values by dimensionally reducing features of the first set of feature values. The method further includes generating an intermediate set of feature values by providing a value of the first dataset and a value of the reduced set of feature values to at least one feature primitive of the set of feature primitive stacks. The method further includes updating the reduced set of feature values by dimensionally reducing features of the intermediate set of feature values and storing a second dataset including features of the intermediate set of feature values in association with the first feature set.

Abstract: A system and method for processing a bound payment method is disclosed. A customer can create a virtual card number for use solely at a specific retailer. In this scenario, when the payment method is used for a financial transaction, it becomes necessary to verify that the financial transaction is being carried out with the bound merchant. In embodiments, the virtual card number (VCN) information is received and analyzed to identify the exchange entity and a bound entity associated with the VCN. If it is determined that the merchant associated with the transaction does not match the bound merchant associated with the VCN, then the customer is notified of the discrepancy and provided an opportunity to confirm the dispute the denial.

Abstract: A transaction card is provided. The transaction card can include a luminous layer having a sensitive information component. The sensitive information component includes personal account data and can be selectively illuminated by a light source by refracting light emitted by the light source. A switch and power source are provided to selectively energize the light source.

Abstract: Disclosed are a system and methods enabling updating of a card number of a payment card and thereby reissuing the payment card utilizing a reissue application associated with the payment card. The reissue application, when executed communicates with a service provider that manages the payment card. The payment card includes processing circuitry and a rewriteable visual display. Using cryptographic techniques, the reissue application and payment card are authenticated to the service provider. Upon verification, an updated card number is obtained and provided via near-field communication to the payment card. In response to the update payment card number received from the reissue application, the rewriteable visual display on the payment card is updated with the updated card number. Other information may also be presented on the rewriteable visual display of the payment card based on user preferences.