Abstract: Systems and methods for synthetic data generation. A system includes at least one processor and a storage medium storing instructions that, when executed by the one or more processors, cause the at least one processor to perform operations including receiving a continuous data stream from an outside source, processing the continuous data stream in real-time, and using machine learning techniques to generating synthetic data to populate the dataset. The operations also include creating a plurality of bins, wherein the plurality of bins occupy a data range between the determined minimum and maximum values without overlapping; and determining a number of samples within each of the created bin, based on a bin edges, wherein the bin edges are bounds within the data range.

Abstract: In some implementations, a device may receive an indication of information associated with a stored value medium. The device may populate a database with the information associated with the stored value medium, where the database includes a table to link the information associated with the stored value medium with an entity identifier of an entity associated with the stored value medium. The device may receive an indication of an exchange associated with the entity identifier of the entity, where the exchange is not associated with the stored value medium. The device may parse the database using the entity identifier associated with the entity to identify the information associated with the stored value medium indicated in the database. The device may communicate, with a backend system, to enable the exchange to be at least partially completed using the resources associated with the stored value medium.

Abstract: To facilitate efficient entity resolution, systems and methods include a first dataset is received from a first database associated with a first entity and a second dataset is received from a second database associated with a second entity. A geo-grid is mapped to a geographical area covering the first entity data records and the second entity data records. A grid matching area in the geo-grid is generated for each first entity data record based on latitude data and longitude data of each first entity data record. Candidate matching records are determined from the second entity data records based on respective grid matching areas. Actual matching records are determined from the candidate matching records based on a threshold for a trigram similarity between each candidate matching record and the respective first entity data record. The actual matching records are associated with the respective first entity data record in the first database.

Abstract: Systems, methods, and articles of manufacture for learning design policies based on user interactions. One example includes determining a first task for an environment, receiving data from a plurality of data sources, determining a first time step associated with the received data, determining a plurality of candidate actions for the determined first time step, computing a respective probability value of each candidate action achieving the first task at the first time step based on a first machine learning (ML) model, determining that a first candidate action has a greater probability value for achieving the first task at the first time step relative to the remaining plurality of candidate actions, determining that the first candidate action has not been implemented in the environment at the first time step, and generating an indication specifying to implement the first candidate action as part of a policy to achieve the first task.

Abstract: Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.

Abstract: Methods and systems are disclosed herein for using machine learning to send notifications. A computer system may receive a message and may determine a sentiment level and/or an urgency level associated with the message. The computer system may use the sentiment level and/or urgency level to predict when the user will respond to the message. The computer system may compare the predicted response time with one or more thresholds to determine a time to send a notification for the message to the user device.

Abstract: The system and methods described herein allow users to apply for a purchase of a good from multiple providers using provider specific methodologies for generating offers for the product. For example, the system described herein may include a multi-layer architecture that includes interactive micro-services that communicate together in a bi-directional manner to create a normalized process for the purchase of a good, such as commercial goods/products (e.g. a vehicle) or real property. The micro-services may assess prequalification for a loan or financing for a good, followed by determining eligibility of the good for financing, and further followed by calculating pricing details for loans (e.g. for financing purchase of the good) that would be offered for a consumer's particular financial credentials, for each of a plurality of lenders. Prequalification and pricing may be performed on a good by good basis, or for a plurality of goods near or substantially simultaneously.

Abstract: In order to facilitate dynamic graphing of entity networks based on activity, systems and methods include a processor receiving entity-specific data records and a plurality of entity-related activity records for a plurality of entities, where each entity-specific activity record includes activity data regarding at least one activity associated with an entity. The processor generates graph nodes for an entity activity graph based on the plurality of entity-specific data records, where each graph node of the plurality of graph nodes represents the particular entity and then generating an activity data structure, including the graph nodes and edges between the graph nodes, where the edges represent characteristics of the activities between graph nodes based on the entity-related activity record.

Abstract: A system for reprogramming a transaction card may include a reprogrammable microchip transaction card, an account provider system, and a mobile device. A reprogrammable transaction card may include an embedded microprocessor chip, or integrated circuit (IC), housing various modules to provide card capabilities, such as transaction capabilities, security capabilities, and reprogramming capabilities. An account provider system may include a number of servers and computers, each equipped with storage and modules programmed with various capabilities, such as, storing cardholder data, transaction processing, and/or transaction card reprogramming. A user device may include various hardware and software components, such as a Near Field Communication (NFC) hardware and software components, one or more processors, various input/output interfaces, and/or modules, such as transaction processing modules and transaction card resetting modules.

Abstract: The system and methods described herein allow users to give their applicant information when seeking to submit an inquiry associated with a product provided by at least one entity, and have various lender microservices run in parallel, segregated by entity, in a jailed and self-contained, autonomous environment. The result of these microservices may be returned as a response to the inquity, being determined autonomously for each respective entity based on one or more respective rule sets or executable logic for each respective entity. Payloads for multiple entities may be combined in a single output from the jailed and self-contained environment due to outputs from the environment being encrypted in a universal format, wherein the outputs are decrypted in a user session in an application, allowing the user to see the results of the respective responses of each of the at least one entity, to their inquiry.

Abstract: Embodiments may be generally directed to methods, techniques and devices to utilize a contactless card to perform a series of operations.

Abstract: Aspects described herein may provide an interface and/or search functionality for a dealership to determine vehicles a customer is most likely to purchase. A recommender system may generate vehicle recommendations for a dealership to sell to a customer based on customer information, vehicle information, and dealership information. Machine learning may be used to generate the recommendations. The recommendations may be based on the vehicle preferences of a customer.

Abstract: Embodiments disclosed are directed to a computing system that provides for on-demand scanning for changes in cloud-based object storage systems. The changes can include modifications, additions, or deletions of objects stored in a cloud-based object storage system. The computing system scans, at a first runtime, objects stored in a cloud-based object storage system. The computing system retrieves lookup information associated with a second runtime of a previous scan. Based on the lookup information, the computing system identifies a subset of the objects that were changed or added after the second runtime and before the first runtime. Subsequently, the computing system generates an electronic notification including a consolidated list of the subset of the objects.

Abstract: Embodiments disclosed are directed to an immutable database in a data processing system for tracking a data state of the data processing system using multiple timelines or temporal sequences representing events occurring in the data processing system. The immutable database may maintain a current temporal sequence representing an existing data state of the data processing system and generate alternate temporal sequences representing an alternate data state of the data processing system. The alternate temporal sequence may be used to test retroactive events that are intended to replace or correct events that occurred in the current temporal sequence.

Abstract: Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.

Abstract: The disclosed embodiments include systems and methods for extracting information from a transaction description. In one embodiment, a system is disclosed that may include one or more processors and one or more memory devices storing instructions that, when executed by the one or more processors, performs operations consistent with the disclosed embodiments. In one embodiment, the operations may include receiving a transaction description. The operations may also include identifying known location information corresponding to the transaction description and determining whether information from the transaction description corresponds to the identified known location information. The operations may further include removing location information from the transaction description based on the determination. In another aspect, the operations may also include extracting additional location information from the transaction description that is not associated with the known location information.

Abstract: A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. Each of the card frame and the transaction card may be capable of performing contactless data transactions individually. The combined assembly of the card frame with the transaction card secured in the receptacle is also capable of performing contact data transactions. The transaction card and/or the card frame may include one or more visual or tactile regions that allow the transaction card and card frame to be distinguished from other cards and/or to be properly oriented and aligned with one another when combined to form the card assembly.

Abstract: Disclosed embodiments may include a system for providing a nearest neighbors classification pipeline with automated dimensionality reduction. The system may receive a dataset. The system may determine whether the dataset has a first dimensionality that exceeds a predetermined threshold. When dataset has a dimensionality that exceeds a predetermined threshold, the system may prompt a user to input an explained variance threshold ratio. The system may receive the explained variance threshold ratio. The system may iteratively perform a binary search on the dataset to determine a reduced dimensionality having a total explained variance ratio closest to but not less than the explained variance threshold ratio. The system may reduce the dataset to the reduced dimensionality to generate a reduced dataset. The system may train a machine learning model using the reduced dataset.

Abstract: Transaction processing systems in accordance with aspects of the invention may process a variety of transactions. Transaction processing systems may include a transaction processing device and a distributed processing system. The transaction processing device obtains transaction requests from a variety of client devices and process the transaction requests. The distributed processing system may also obtain the transaction requests and maintain a transaction history of the transaction requests obtained and/or processed by the transaction processing device. Both the distributed processing system and the transaction processing device may send a transaction succeeded event based on the transaction being processed successfully. The transaction processing device and distributed ledger may also maintain an indication of if a particular transaction has been processed.

Abstract: A system, processes, and a computer-readable storage medium are provided method includes receiving a search query including one or more of a textual phrase, a document, or data including metadata from a user. For example, a processor may execute a theme-generating machine learning algorithm to generate a theme of the search query. Profiles of other users are identified as similar to a profile of the user may be located. A search history of each of the located other users may be located in the collected search history. Content in the searchable content that corresponds to the generated theme of the search query and according to a result of the evaluation of the located search history of each of the other users may be obtained. The obtained content may be scored based on a scoring algorithm and output a set of scored search results to the input/output device.