Abstract: A card dispenser for dispensing a rewritable card is disclosed herein. The card dispenser may include a card feeder for receiving or dispensing a rewritable card. In addition, the card dispenser includes a roller assembly for moving the card from the card feeder to components within the card dispenser; a processor for receiving card data via a short-range wireless connection with a mobile device of a user, the card data including (i) a card identifier of a plurality of card identifiers associated with an account of the user and (ii) a unique derivation key for encrypting the card identifier; and a card writer for powering an electrophoretic display of the card, causing at least a portion of the card data to be rendered on the display, and stopping the powering of the display.

Abstract: Systems and methods include providing virtual certification number (VCN) authorizations to an external entity by receiving a plurality of secure entity global authorizations comprising global VCN authorizations and global primary account number (PAN) authorizations, identifying the global VCN authorizations, identifying a subset of the global VCN authorizations, each of the subset of the global VCN authorizations corresponding to an external entity authorization, comparing the subset of global VCN authorizations to previously provided VCN authorizations, to identify an unsent VCN authorization, storing a transmittable unsent VCN authorization based on the unsent VCN authorization, providing an unsent authorization indication to the external entity, receiving, from the external entity, a request for the unsent VCN authorization based on providing the unsent authorization indication to the external entity, and providing the transmittable unsent VCN authorization to the external entity, based on storing the tran

Abstract: In some embodiments, a near-field communication card may be provided with an NFC-field-strength visualization display and a transparent window through which the NFC-field-strength visualization display is visible. In some embodiments, a token (e.g., the NFC card) may be constructed to include an electromagnetic field visualization display, a radiofrequency communication antenna, and a first transparent region having a transparent surface through which the electromagnetic field visualization display is visible. In some embodiments, a first layer of a token may be provided, where the first layer includes an electromagnetic field visualization display and a radiofrequency communication antenna. A second layer of the token may be provided, where the second layer includes a first transparent region. The first and second layers may be bonded such that the electromagnetic field visualization display of the first layer is visible through the first transparent region of the second layer.

Abstract: Disclosed herein are system, method, and computer program product embodiments for vaultless tokenization. Alphanumeric values may be determined based on numeric values generated from a hash of numeric user information shuffled through a plurality of randomly generated alphanumeric tables. The numeric user information and the alphanumeric values may be used to generate a table index. Shuffled numeric user information may be generated based on the table index and a plurality of randomly generated numeric tables, and transformed to alphanumeric user information (e.g., via format-preserving encryption, additive cipher, etc.). Each character of the alphanumeric user information may be shuffled through a different alphanumeric table of the plurality of alphanumeric tables identified for the character based on the table index. Moreover, an alphanumeric token may be generated based on the shuffled characters of the alphanumeric user information.

Abstract: In some implementations, a terminal device may receive, from a mobile device associated with a user, first information identifying a first facial depth map of the user generated by the mobile device. The terminal device may generate a second facial depth map of the user. The first facial depth map may be generated before the second facial depth map. The terminal device may determine whether the user is authenticated to perform an exchange based on whether the first information identifying the first facial depth map corresponds to second information identifying the second facial depth map. The terminal device may transmit, to the mobile device and based on determining that the user is authenticated, a message indicating that the user is authenticated. The terminal device may receive, from the mobile device, exchange information identifying a credential for performing the exchange.

Abstract: Systems and methods are disclosed herein for determining a source of leaked sensitive data (e.g., passwords, insecure coding, log information, any information that should not exist, etc.) in compiled software applications. According to some aspects, a computing device (e.g., a software analysis device, a cloud-computing device, a server, a smart device, binary file/code scanner, etc.) may receive scan pattern information and a binary file of a software application. The computing device may be configured to determine one or more executable files of the software application based on the binary file. Based on the scan pattern information and the one or more executable files, the computing device may determine location information for one or more sensitive data elements configured with the software application. The computing device may use the location information for each of the one or more sensitive data elements to determine a respective source of the sensitive data element.

Abstract: In some implementations, a device may identify objects associated with the route based on one or more images associated with a selected route. The device may generate a model associated with the route including the scenery, wherein the scenery includes models of the objects based on geographic locations of the objects and three-dimensional spatial information of the objects. The device may determine a visual reference point for the virtual reality driving session based on at least one of vehicle information associated with the vehicle or user information. The device may provide, to a virtual reality device, presentation information that causes the virtual reality driving session to be displayed by the virtual reality device from a perspective of the visual reference point within a vehicle model associated with a selected vehicle placed in the model of the route with the scenery.

Abstract: An authentication system comprises a browser extension and a password manager application. The browser extension can be configured for execution on a first user device. The browser extension can be configured to display a response code and receive a login credential from a server. The response code can comprise a unique session identifier identifying the browser extension and a user browsing session. The password manager application can be configured for execution on a second user device. The second user device can have a scanner configured to scan the response code. The password manager application can be configured to extract the unique session identifier, parse the unique session identifier into session identifier content, send a portion of the session identifier content to the server, receive an approval from a user of the second user device, and send a notification to the server.

Abstract: Disclosed are systems and methods for using a transaction to collect additional transaction information. The method may include: receiving transaction information indicating that a transaction of one or more products and/or services has been made by a user from a merchant; when the transaction information is received, scanning a user e-mail account to identify a receipt for the transaction within an e-mail of the user e-mail account, wherein the receipt is indicative of a transaction price; when the receipt for the transaction is identified: extracting information of the one or more products and/or services from the receipt; and based on the extracted information, automatically generating and submitting a price adjustment claim for the one or more products and/or services when a price lower than the transaction price is found; and when the receipt for the transaction cannot be identified: automatically submitting information about a missing receipt to a fraud system.

Abstract: Systems and methods of procuring real data items based on user affinity gauged via synthetic data items are disclosed. In one embodiment, an exemplary computer-implemented method may comprise: utilizing a trained machine learning model to generate a synthetic data item based on real user data; presenting the synthetic data item to those users; obtaining indications identifying user responses to the synthetic data item; obtaining user-defined control parameters from the users; configuring a user-defined control mechanism to share a portion of the real user data based thereon; obtaining a subset of the real user data based the user-defined control parameters; providing to a particular third-party data source at least one of: data regarding the synthetic data item, the at least one portion of the real user data, and the indications of the users; and then receiving a second real data item from the particular third-party data source.

Abstract: Delegated administration of permissions using a contactless card. In one example, a permissions module may receive a request from a first account to grant a second account access to a computing resource. The permissions module may receive permissions data of the first account from a contactless card and encrypted data generated by the contactless card. The permissions module may transmit the permissions data and the encrypted data to an authentication server, which may verify the encrypted data based at least in part on the private key, and determine, based on the permissions data, that the first account has permissions to grant access to the computing resource. The permissions module may receive, from the authentication server, an indication of the verification of the encrypted data and a permissions vector associated with the second account, the permissions vector reflecting the grant of access to the computing resource to the second account.

Abstract: Disclosed embodiments include systems and methods for providing a secure physical storage system. The system may receive a request to register a first physical storage box from an entity including location information and security information. The request can be validated by comparing the security information to a predetermined security threshold. The location information associated with the first physical storage box can be recorded to a blockchain. The first registration information can be received from a first user device. The first physical storage box can be assigned to the first user device and a first identity token associated with the first physical storage box. The assignment information associated with the first physical storage box can be recorded to the blockchain. A first identity token can be received from the first user device. Instructions can be transmitted to the first physical storage box to transition from a locked to an unlocked state.

Abstract: Embodiments are described for a system and method for providing a list of current offers from retailers to a user operating a mobile client device. Aspects of the method comprise analyzing a transaction history of the user to identify a vendor who has transacted with the user; determining a present geographic location of the user based on a location of the mobile client device; determining a location of the vendor proximate the user based on the transaction history and the present geographic location of the user; searching for a current promotion offered by the vendor; and facilitating the serving of the current promotion to the user through the mobile client device.

Abstract: Example embodiments of systems, methods, and devices for transaction card alignment are provided. In one example embodiment, a mobile device may include a first component and a second component foldable with respect to one another between a first configuration and a second configuration. The mobile device may further include a screen interface on an interior side of the first component, and an alignment feature along the interior side, the alignment feature providing alignment for a contactless card with respect to the screen interface, wherein the contactless card is uncovered by the second component in the first configuration and covered by the second component in the second configuration.

Abstract: In some implementations, a device may determine whether an existing record for a file, received at a file storage location, is present in a record log. The device may generate, based on determining that the existing record for the file is not present in the record log, a record for the file in the record log. The record may identify the file and a first region. The device may determine, after generating the record, whether the record has been changed to identify a second region. The device may process the file based on determining that the record has not been changed to identify the second region.

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.

Abstract: An exemplary system, method, and computer-accessible medium can include, for example, storing on a first device an applet configured to generate a digital tag; receiving a request at the first device for information; configuring the digital tag to be associated with at least one of (i) an application or (ii) an input on a second device, such that receipt of the digital tag by a second device causes the application to launch on the second device; and emitting from the first device a digital tag.

Abstract: A system for transitioning a telephony or in-person servicing to and from an artificial intelligence (AI) chat session may receive a phone call from a user device associated with a user, and transmit a voice request for personally identifiable information associated with the user. The system may also receive and authenticate the requested personally identifiable information and, in response, generate an authentication token. The system may further receive a servicing intent from the user device, and generate a corresponding servicing intent token. Also, the system may generate an API call to an AI chatbot model, transmit the authentication token and the servicing intent token to the AI chatbot model, and map the servicing intent token to a stored servicing intent. Finally, the system may transmit a message to the user device via the AI chat session.

Abstract: A device may obtain a first image depicting contents included in a secure storage container at a first point in time and first user account data associated with the secure storage container. The device may store the first image in a data structure associated with the first user account data. In addition, the device may receive data indicating that an individual associated with a second user account accessed the secure storage container, and receive a second image depicting contents included in the secure storage container at a second point in time. The second image may be stored in the data structure. The device may further receive, from a user device associated with the first user account data, a request to access the data structure, and the device may provide, to the user device, data that causes display of the second image.