Abstract: Example embodiments of systems and methods for milling patterns for a card are provided. A chip fraud prevention system include a device including a chip. The chip may be at least partially encompassed in a chip pocket. The chip pocket may include one or more shapes. The one or more shapes may include one or more peaks and one or more valleys. One or more connections may be communicatively coupled to at least one surface of the chip. The one or more connections may be placed between at least one of the one or more peaks or one or more valleys.

Abstract: Systems and methods for digitized document image data spillage recovery are provided. One or more memories may be coupled to one or more processors, the one or more memories including instructions operable to be executed by the one or more processors. The one or more processors may be configured to capture an image; process the image through at least a first pass to generate a first contour; remove a preprinted bounding region of the first contour to retain text; generate one or more pixel blobs by applying one or more filters to smudge the text; identify the one or more pixel blobs that straddle one or more boundaries of the first contour; resize the first contour to enclose spillage of the one or more pixel blobs; overlay the text from the image within the resized contour; and apply pixel masking to the resized contour.

Abstract: A system for detecting a fraudulent ATM transaction is disclosed. The system relates to an ATM machine that receives a bank/ATM card from a customer. The ATM first attempts to read information from the card chip, but is unable to do so due to a read error. The ATM then instead reads the information from the magnetic strip, and initiates a fraud detection procedure. In one such procedure, the ATM uses a local wireless access point to detect a customer's device, such as a phone, in the vicinity of the ATM. In another such procedure, the ATM communicates with a backend server. The backend server then determines the location of the customer device either by transmitting a message to request authorization, or by utilizing GPS or other location-detection means on the customer device to determine whether the customer device is within the ATM vicinity.

Abstract: In certain embodiments, a software pipeline (“pipeline”) is configured by the use of gates for progressing an application from one stage to another (e.g., from a development stage to a production stage). A configuration file having a set of attribute values that is descriptive of an application, and a gate mapping file having information associated with the gates to be invoked for different combinations of attribute values are obtained. The configuration file is processed using the gate mapping file to determine a set of gates to be invoked for progressing the application in the pipeline based on the attribute values of the application. The set of gates are invoked to cause a corresponding set of software routines to be executed for progressing the application.

Abstract: Various embodiments may be generally directed to the use of an adversarial learning framework for persona-based dialogue modeling. In some embodiments, automated multi-turn dialogue response generation may be performed using a persona-based hierarchical recurrent encoder-decoder-based generative adversarial network (phredGAN). Such a phredGAN may feature a persona-based hierarchical recurrent encoder-decoder (PHRED) generator and a conditional discriminator. In some embodiments, the conditional discriminator may include an adversarial discriminator that is provided with attribute representations as inputs. In some other embodiments, the conditional discriminator may include an attribute discriminator, and attribute representations may be handled as targets of the attribute discriminator. The embodiments are not limited in this context.

Abstract: A device may obtain measurement data concerning a three-dimensional (3D) printed object, where the 3D printed object has a plurality of physical elements that comprise a plurality of different physical attributes, and where the plurality of physical elements and the plurality of different physical attributes are designed to exhibit one or more printing capabilities of a 3D printer that printed the 3D printed object. The device may process the measurement data to determine one or more printing anomalies relating to one or more physical elements, of the plurality of physical elements, and one or more physical attributes of the plurality of different physical attributes. The device may generate a set of instructions to permit the 3D printer to be adjusted to address the one or more printing anomalies, and may cause an action to be performed based on generating the set of instructions.

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: Methods for generating data models using a generative adversarial network can begin by receiving a data model generation request by a model optimizer from an interface. The model optimizer can provision computing resources with a data model. As a further step, a synthetic dataset for training the data model can be generated using a generative network of a generative adversarial network, the generative network trained to generate output data differing at least a predetermined amount from a reference dataset according to a similarity metric. The computing resources can train the data model using the synthetic dataset. The model optimizer can evaluate performance criteria of the data model and, based on the evaluation of the performance criteria of the data model, store the data model and metadata of the data model in a model storage. The data model can then be used to process production data.

Abstract: The disclosed systems and methods may request a merchant identifier associated with a merchant from a third party, receive the merchant identifier, retrieve or receive a first uniform resource locator (URL) associated with the merchant, and store the merchant identifier and the first URL in a database. In response to a web browser extension detecting that a user is preparing to make an online purchase associated with the merchant, the system may receive an age request for an age of the merchant from a user device and identify the merchant identifier in the database based on a second URL included in the age request. The system may then request the age of the merchant from the database based on the merchant identifier, receive the age of the merchant from the third party, and transmit the age of the merchant to the user device for display.

Abstract: Methods and systems for monitoring contributor performance for source code programming projects in order to increase the velocity of workflow and the efficiency of project teams. In particular, the methods and systems record the particular type of issue that is tagged for a given contribution, if any, and monitor the amount of programming time of the contributor that is required to resolve the issue. The programming time required to resolve the issue, the type of issue, and/or other characteristics of contributors are then used to generate real-time recommendations related to the performance of the contributor relative to the project team.

Abstract: A real-time third-party payment system accepts payments to a lender from third-party merchants in real-time. The payment system may receive real-time payment information from the third-party, and various services within the payment system validate the customer account information, create a payment, store the payment in a database, and post the payment to a real-time ledger. The payment system may also receive an end-of-day file including file-based payment information. The file-based payment information may be verified against the real-time payments stored in the database. Upon validation, the payment system creates a file based payment and posts the file-based payment to a file-based ledger. The payment system may detect fraud, errors, and other discrepancies in real-time payments and make corrections based on settlement rules and self-healing rules provided by the third-party.

Abstract: A physical card may include a substantially planar body that may include a front surface, a back surface, and one or more side surfaces. The front surface may include a background formed primarily in a first color, and a plurality of embossed characters each having one or more front surfaces aligned substantially in parallel relative to the background. The plurality of embossed characters may include one or more side surfaces extending from the background at a lower edge to the front surface at an upper edge, wherein the one or more front surfaces of at least a first embossed character of the plurality of embossed characters are formed primarily in a second color different from the first color and the one or more side surfaces of at least the first embossed character are formed primarily in the first color to limit a viewing angle of the plurality of embossed characters.

Abstract: Systems and methods of anti-vishing OTP protection via machine learning techniques are disclosed. In one embodiment, an exemplary computer-implemented method may comprise: receiving a permission indicator identifying a permission by the user to detect OTPs and calls being received by a computing device; receiving an indication of an OTP data item being received; processing the OTP data item to determine a time duration during which a particular OTP included therein is valid; utilizing a trained OTP protection machine learning model to determine phone number(s) as presenting a security risk with respect to the OTP data item; and instructing the computing device to commence at least one security measure based at least in part on a contact list updated with an indication that the phone number(s) present a security risk with regard to the particular OTP during the time duration of the particular OTP.

Abstract: The disclosed embodiments generally relate to in-store customer traffic analysis systems and methods. The system includes at least one sensor positioned within a retail store, at least one display associated with the at least one sensor, one or more memory devices storing instructions and one or more hardware processors configured to execute the instructions to perform operations. The operations include receiving a sensor signal indicating that a user device is within a proximity to the at least one sensor in the retail store, extracting a user device identifier from the sensor signal, correlating the sensor signal to the at least one display, generating a foot traffic record associated with the user device identifier and the at least one display, based on the received sensor signal, and storing the generated foot traffic record.

Abstract: A device monitors a communication between a user associated with a user device and a service representative associated with a service representative device, and causes a natural language processing model to perform a natural language processing analysis of a user input of the communication to identify a topic associated with the communication. The device determines a first score associated with the topic, and determines a second score associated with enabling the communication, where the first score and second score indicate a service performance score of an entity. The device causes a sentiment analysis model to perform a sentiment analysis of the communication to determine a sentiment score indicating a level of satisfaction the user has relative to the topic. The device updates a transaction protocol associated with the topic based on the service performance score, and/or updates a communication processing protocol associated with the communication based on the sentiment score.

Abstract: Systems, apparatuses, and methods for verifying physical presence of a mobile device as part of an electronic transaction. Tags may be generated and displayed on one or more display devices. Those tags, which may be time-limited, may be read by a mobile device to verify physical presence of the mobile device as a prerequisite to initiating, continuing with, or completing an electronic transaction, and/or as a decision point in how the electronic transaction is to be conducted.

Abstract: A computer-implemented method for determining alternative plans for a user may include: determining an event status of an event based on one or more parameters, wherein the event status comprises a target event indicator, wherein the one or more parameters comprise event population; obtaining event data of a target event; obtaining transactional data of the user, wherein the transactional data includes transaction time and transaction location; determining, via one or more processors, a likelihood of a potential transaction of the user associated with the target event by processing the transactional data and the event data using a trained machine learning model; and transmitting, to the user, a notification based on the determined likelihood of the potential transaction, wherein the notification includes a suggestion for alternative travel plans of the user.

Abstract: Disclosed herein are system, method, and apparatus for detecting a skimmer via a vibration sensor on a transaction card. The method includes receiving, at a server, from a user equipment, vibration information recorded by a transaction card in response to an execution of a transaction at a point-of-service (POS) terminal of a plurality of POS terminals using the transaction card. The vibration information may be recorded by a microphone or an accelerometer on the transaction card while the transaction card is swiped through the POS terminal or inserted into or removed from the POS terminal. The method includes determining, at the server, a state of the POS terminal based on the received vibration information and in response to a determination of the state of the POS being compromised, sending to one or more stakeholders of the transaction a warning message containing the POS terminal information including the POS terminal’s state.

Abstract: Systems for partitioning text are disclosed. The system can receive a text string. A delimiter can be identified based on the text string. Based on identifying the delimiter, a character sequence to the left and/or right of the delimiter can be identified. The identification can occur up to a predetermined number/length of characters. Using a trained model, the system can determine whether the character sequence indicates the delimiter is part of a continuous string of text. Based on determining whether or not the delimiter is part of the continuous string of text, the system can generate a token representing the continuous string of text or the delimiter.

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.