Abstract: Cards having a hybrid construction including a biodegradable portion and related methods are disclosed. A card can include a card body having a top surface and a bottom surface opposite the top surface, the top and bottom surfaces meeting at a peripheral edge of the card body; and a first portion secured to a second portion such that the top surface of the card body spans both the first and second portions and the bottom surface is formed entirely of the second portion. The card can further include a chip secured to the first portion of the card body; wherein the peripheral edge includes at least an insertion edge of the first portion; wherein the second portion of the card body comprises a biodegradable material; and wherein the first portion and a recyclable portion meet at a frangible junction on the top surface of the card body.

Abstract: In one embodiment, a method comprises receiving a unique identifier from an item and sending a communication to an electronic device requesting that a user confirm a pending transaction, receiving input from the electronic device associated, and sending the received input to an authentication system for completing a transaction. In another embodiment, a system comprises a sensor, an authentication system, and a transaction processing system. The sensor is configured to emit energy and receive at least one first identifier, send at least one communication to an electronic device requesting a second identifier, receive at least one second identifier, and send the at least one first identifier and the at least one second identifier to the authentication system.

Abstract: A computer-implemented method of fraud protection is described. A server may receive one or more keywords and a likelihood of fraud from an external source. The server may receive an image of a document from a user device, wherein the document comprises at least one of a written communication or a printed communication. The server may extract text from the image of the document, compare the extracted text to the one or more stored keywords, and calculate a confidence level of fraud. The server may send an indication of the confidence level of fraud to the user device.

Abstract: Systems and methods for generating real-time location-based notifications are described. In some aspects, the system receives a recurring user activity that is recurring at a previous location during a recurring time period. Based on detecting that a current location of the user is in proximity of the previous location during an instance of the recurring time period, the system determines whether any user activity was executed while the user is present at the current location. Based on determining that a current user activity was executed by the user different from the recurring user activity, the system determines whether the current user activity is a substitute for an instance of the recurring user activity. The system updates a measure of elasticity of the recurring user activity based on determining that the current user activity is a substitute for the instance of the recurring user activity.

Abstract: A device for conducting a transaction by generating and displaying QR codes in the infrared spectrum, by generating a first QR code; displaying the first QR code via the infrared array for a predetermined duration of time; receiving a confirmation that a user device has entered paired state with the transaction device based on the user device scanning the first QR code; receiving authentication data indicating that the paired user device is authorized to complete the transaction; completing the transaction.

Abstract: A fingerprint sensor of a contactless card may receive input. A processor of the contactless card may compare the input to a fingerprint template stored in a memory of the contactless card. The processor may determine that the comparison results in a match and enable a near-field communication (NFC) antenna of the contactless card based on the determination that the comparison results in the match.

Abstract: Disclosed herein are system, method, and computer program product embodiments for creating a personalized visual code for completing a transaction at an Automated Teller Machine (ATM). An embodiment operates by receiving a request to complete a transaction from a mobile application on a user device, pairing the transaction with an ATM, retrieving information unique to the user, generating a personalized visual code based on the information unique to the user, and generating a rule for presenting the personalized visual code on the ATM, the rule including at least one of: i) when the personalized visual code should be presented, ii) how long the personalized visual code is to be presented, or iii) how the personalized visual code should move when presented on the ATM.

Abstract: Methods and systems are also described for an integrated cyber incident management system that may store native data corresponding to fields of cyber incident management system (or other non-integrated systems) and integration data (e.g., viewable through a user interface of the integrated cyber incident management system), which describes a relationship of the native data to the integrated cyber incident management system, at a structure node in the architecture of the integrated cyber incident management system. The structure node may correspond to the convergence of two structures in the architecture of the integrated cyber incident management system. Each structure may itself correspond to a native hierarchal relationship in a non-integrated cyber incident management system.

Abstract: In some aspects, a computing system may use a surrogate machine learning model to detect whether a production or other machine learning model has a tendency to generate different output depending on which subpopulation a particular sample belongs to. The surrogate machine learning model may be trained using features/outputs that are not included in the data used by the production model. For example, by using demographic information in lieu of the original labels of a dataset that was used to train a production model, a surrogate model may be used to detect whether the production model is able to discern one or more characteristics associated with but not present in a sample using other features of the dataset. Output of the surrogate machine learning model may be clustered to detect whether certain subpopulations are treated differently by the production model.

Abstract: Provided are approaches for concealing or obscuring transaction card numbers. In some approaches, a transaction card may include a body comprising a first main side opposite a second main side, and a plurality of structures extending from at least one of the first or second main sides. In a bent configuration of the body, the plurality of structures separate from one another, in a substantially flat configuration of the body, adjacent structures of the plurality of structures abut one another.

Abstract: Methods and systems for parallel processing of batch communications during data validation using a plurality of independent processing streams. For example, the system may receive a plurality of communications for batch processing during a predetermined time period. The system may process, with a batch configuration file, a first alphanumeric data string of a first communication of the plurality of communications. The system may process, with the batch configuration file, a second alphanumeric data string of a second communication of the plurality of communications. The system may direct the first communication to a first micro-batch for processing within the predetermined time period based on the first metadata tag, wherein the first micro-batch is processed using a first validation and enrichment protocol and a first micro-batch configuration file, wherein the first validation and enrichment protocol and the first micro-batch configuration file are specific to the first source.

Abstract: A device receives first transaction information associated with a first transaction, and a first transaction account utilized for the first transaction and associated with a first financial institution. The device determines, based on a fraud model, that the first transaction is to be denied due to potential fraud associated with the first transaction account and receives second transaction information associated with a second transaction, and a second transaction account utilized for the second transaction and associated with a second financial institution. The device processes the first transaction information and the second transaction information, with a matching model, to determine whether the first transaction information matches the second transaction information and determines that the first transaction was incorrectly denied when the first transaction information matches the second transaction information within a predetermined threshold.

Abstract: A method of distributing a smart will of a user, the method comprising: receiving a smart will creation request comprising: one or more beneficiary wallet identifiers, and asset distribution rules; creating, based on the smart will creation request, an estate smart contract, the estate smart contract being configured to authorize transfer of one or more assets registered to the estate smart contract to a storage location specified by an executor smart contract; receiving, by the executor smart contract, a death notification indicative of death of an owner of the estate smart contract; instructing the estate smart contract to transfer the assets from the estate smart contract to a trust smart contract; verifying, by the trust smart contract, that the beneficiary wallets are valid; and transferring, by the trust smart contract, one or more assets to the beneficiary wallets in accordance with the asset distribution rules.

Abstract: In some implementations, an authentication system may receive, from a client device, a credential associated with a user account and a request to access a resource. The authentication system may transmit, to the client device, a request for an image of a customized physical security token associated with the user account. The authentication system may receive, from the client device, a first image. The authentication system may compare the first image with a representation of a second image of the customized physical security token associated with the user account. The authentication system may grant or denying access to the resource based on comparing the first image with the representation of the second image.

Abstract: A computer-implemented method for template generation may include: receiving a first plurality of variables, each of the first plurality of variables specifying a feature to be implemented in a new template for document generation; for each of a plurality of existing templates for document generation, determining a degree of similarity between the first plurality of variables and a plurality of variables included in the respective existing template; upon determining that none of the degrees of similarity respectively determined for the plurality of existing templates satisfies a similarity threshold, determining that a combination of variables from two or more of the plurality of existing templates has a degree of similarity with the first plurality of variables satisfying the similarity threshold; and generating the new template based on the two or more of the plurality of existing templates.

Abstract: A capacitive sensor includes a first conductive structure; a second conductive structure that is counter to the first conductive structure, wherein the second conductive structure is movable relative to the first conductive structure in response to an external force acting thereon, wherein the second conductive structure is capacitively coupled to the first conductive structure to form a first capacitor having a first capacitance that changes with a change in a distance between the first conductive structure and second conductive structure; a signal generator configured to apply a first electrical signal step at an input or at an output of the first capacitor to induce a first voltage transient response at the output of first capacitor; and a diagnostic circuit configured to detect a fault in the capacitive sensor by measuring a first time constant of the first voltage transient response and detecting the fault based on the first time constant.

Abstract: Techniques to improve detection and security of images, including formation and detection of matrix-based images. A histogram may be used to determine a most prevalent plurality of colors associated with an environment. A related plurality of colors may be determined based on the most prevalent plurality of colors. A matrix barcode may be generated based on the related plurality of colors.

Abstract: Methods, systems, and apparatuses for generating notifications corresponding to queries submitted for execution by virtual warehouses are described herein. A request to execute a query may be received. An execution plan, for the query, may be identified. A processing complexity for the query may be predicted based on the query and the execution plan. A notification may be generated based on the processing complexity meeting an alert threshold. A user device may display the notification. A response to the notification comprising a selection of a first virtual warehouse, of a plurality of virtual warehouses, to execute the query may be received.

Abstract: In some implementations, a system may receive interaction data based on an interaction of a user with a terminal, wherein the interaction data indicates a location of the terminal. The system may determine a plurality of entities having a corresponding plurality of locations that are within a geographic area that includes the location of the terminal. The system may determine, based on the plurality of entities, one or more categories for categorizing a purpose associated with the interaction of the user with the terminal. The system may transmit, to a user device of the user, information that identifies the one or more categories. The system may receive, from the user device, information that identifies one or more user-specified categories of the one or more categories. The system may store, in the database, a record that includes the information that identifies the one or more user-specified categories.

Abstract: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method. The system may provide an augmented environment that facilitates a transaction. The system may store profile data including user payment or user profile information. The system may then receive environmental data, and identify one or more action items in the environmental data. In response to this identification, the system may augment the environmental data by adding virtual environmental data, and then provide this virtual environmental data to a device to create an augmented environment. The system can then receive user input data, and provide purchase request data to a merchant terminal in response to those inputs.