Abstract: Disclosed herein are system, method, and computer program product embodiments for providing an overall assessment of a combined inventory item and structure similarity to an initial inventory item and structure. A plurality of inventory items, stored in a database, maybe retrieved to generate a score value corresponding to each of the plurality of inventory items based on a plurality of facets describing the inventory item. Based on the generated score value, a subset of the plurality of inventory items may be determined based on data points representing the subset of the plurality of inventory items that are within a preconfigured Euclidean distance from a centroid representing a data point corresponding to the initial inventory item. One or more structures corresponding to the subset of the plurality of inventory items may be dynamically generated, and their combinations are scored for finding an alternate inventory item and structure.

Abstract: In order to provide improved matching of records between different sources, systems and methods include generating a data link between a stored interaction profile of the user and activity data records that identify activities performed by the user. Online interaction data associated with the user is received, including tracking data indicative of online interactions with content. The online interaction data is stored in the stored interaction profile associated with the user. An activity model is used to predict correlation parameters representing groupings of online interactions of the online interaction data with activities performed by the user, where the prediction is based on the tracking data and each activity in the interaction profile. The interaction profile is updated with the groupings and user activities are authenticated based on the interaction profile.

Abstract: A method may include receiving activity data associated with a user, wherein the activity data relates to online activity involving a product type, identifying the product type associated with the activity data, and predicting, based on the activity data, that the user is likely to purchase a product of the product type. The method may include generating, based on predicting that the user is likely interested in purchasing the product of the product type, an annotation to indicate that a potential transaction to purchase the product is forthcoming, and storing the annotation in a profile associated with an account of the user. The method may include detecting a transaction to purchase the product, wherein the transaction involves a payment from the account, and performing an action associated with a fraud analysis of the transaction based on the annotation.

Abstract: An automated method is provided for activating a NFC application in a mobile interface device. In this method, the device receives from a beacon a wireless beacon signal comprising at least one beacon identifier. The wireless beacon signal is processed by the mobile interface device to determine the at least one beacon identifier. The mobile interface device determines based on the at least one beacon identifier, whether to activate the NFC application. Responsive to a determination that the NFC application should be activated, the mobile interface device transitions the NFC application from a passive state to an active state. NFC communication is then established between the mobile interface device and at least one NFC transmitting device disposed within a beacon range volume defined by the beacon location and the beacon range.

Abstract: Techniques to improve storage, transmission and security of data are included. One or more methods, apparatuses, and articles of manufacture employ one or more color-channels, ultraviolet layers, infrared layers, and/or luminance layers to encode data on or along a physical medium, where the encoding includes utilizing one or more of those layers to encode an error-correcting code (ECC), such as a Hamming code with the data.

Abstract: A method of forming a contactless transaction card. The method may include providing a card body, defining a window, and attaching an antenna assembly layer to the card body, where the antenna assembly layer includes an antenna, a set of curable connectors, disposed on a set of end regions of the antenna within the window, and a UV-transparent layer, supporting the antenna. The method may include providing a contactless chip module within the window on a first side of the antenna assembly layer, and directing radiation through the UV-transparent layer, wherein the contactless chip module is electrically connected to the antenna via the curable connectors.

Abstract: Systems and methods for processing items in a queue, a system including one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform operations including: analyzing training data to build a predictive model; applying the predictive model to items in a queue to determine scores of the items based on respective probabilities of an entity completing an action for each item; listing the items, sorted by the scores, in a first display view; identifying a first and a second item, respectively having highest and next highest scores; grouping, with each of the first and second items, items that satisfy a grouping condition based on characteristic information of the items; and listing the groups of items including the first and second items, sorted based on the scores of the first and second items, in a second display view.

Abstract: In certain embodiments, a presentation of a user interface may be dynamically modified for a user based on data related to the user's email address or other user identifier. As an example, the user interface may be caused to reflect the look and feel of an interface of an entity trusted by the user, incorporate data items related to the user's identifier, or effectuate other modifications. In some embodiments, a user identifier of a user may be received via a user interface associated with the third party, and a query for data related to one or more user accounts associated with the user identifier may be generated. Based on the query, multiple datasets associated with different user accounts may be received, and a first dataset associated with a first account of the user may be selected over other datasets associated with the user's other accounts effectuate the presentation modification.

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: Systems and methods for promoting user engagement with messaging, such as advertising are presented. Specific marketing communications may be evaluated by measuring user responsiveness, such as the respective times at which advertising and other messages may be sent to a user and at which a user may respond, and using these measurements to determine a relative value of the advertising and other messages based on a time decay analytical approach. This approach may include sending an electronic communication to a user interface at a first time for display, sending an electronic message, such as an e-mail or text message to the user at a second time, sending a physical mailing to the user at a third time, receiving a user response at a fourth time, determining the time that elapsed between the fourth time and each of the first, second and third times, and assigning a relative value to each of these messaging events.

Abstract: Example embodiments of systems and methods for data transmission between a contactless card, a client device, and one or more servers are provided. The contactless card may include one or more processors and memory. The memory may include one or more applets. The client device may include one or more processors and memory. The client device may be in data communication with the contactless card. One or more servers may be in data communication with the client device. A first set of information may be transmitted from the contactless card to the client device. The first set of information may include one or more links to activate the contactless card. The client device may be configured to receive the first set of information from the contactless card. Upon validation of the first set of information, the contactless card may be activated.

Abstract: A system for communicating with a wireless device including a base including a front surface; a plurality of communication coils disposed on the front surface and arranged in a matrix, the coils being tuned to a near-field communication frequency; a selector coupled to the coils; at least one memory storing instructions; and at least one processor coupled to the selector and executing the instructions to perform operations. The operations include at least receiving a plurality of feedback signals associated with the coils; identifying a selected one of the coils associated with a strongest one of the feedback signals; and causing the selector to couple the selected coil with a wireless communication module.

Abstract: A method for enhancing automated transaction machine (ATM) security surveillance. The method consists of receiving a set of data from a financial device and generating a template for the financial device. The method generates an analysis by analyzing a portion of the received set of data. The method then determines a likelihood factor that the analyzed first portion is associated with a security threat, wherein if the likelihood factor is above a threshold then the method generates a second analysis by analyzing a second portion of the received first set of data and revises the likelihood factor based on the second analysis. The method generates a notice if the first likelihood factor exceeds a second threshold and then updates the template with the analysis and the likelihood factor and receives a second set of data from the monitoring device. The method updates the template with the second set of data.

Abstract: Methods and systems for updating configurations. An application can be determined to be incorrectly configured. A request can be sent to update a configuration property. The configuration property can be updated in a test environment. The application can be tested with the updated configuration property in the test environment. The test of the application with the updated configuration property in the test environment can be identified as successful. An incorrect configuration of the application can be updated.

Abstract: A device may receive a target document. The device may segment the target document into multiple segments. The device may determine, for each segment of the multiple segments, a set of color parameters for a corresponding set of pixels included in that segment. The device may determine, for each segment of the multiple segments, an average color parameter for that segment based on the set of color parameters for the corresponding set of pixels included in that segment. The device may generate a target color profile for the target document based on determining the average color parameter for each segment. The device may compare the target color profile and a model color profile associated with classifying the target document. The device may classify the target document based on comparing the target color profile and the model color profile.

Abstract: Programmable cards, computer-readable media, and systems are disclosed for token payment. For example, a programmable card for token payment, according to some embodiments, may include an antenna and a contact interface. The card may be configured to store, in the rewritable memory, a token transmitted from a user device via a first near field communication (NFC) signal received by the antenna, and provide the stored token to a point of sales terminal via a second NFC signal transmitted by the antenna or via the contact interface.

Abstract: A method for providing transitory, communication-specific access to records to determine record modifications when processing electronic communications through an automated clearing house (“ACH”) over computer networks. After receiving an ACH communication, the method may receive, via the source record, communication data from a communication provider indicating an attempted communication using an ACH communication format provided by the source record, wherein the communication data includes a communication processing load offset, data identifying the destination record, and data identifying a communication type.

Abstract: In certain embodiments, a client device may obtain an email including a plurality of components. Responsive to an action to open the email, the client device may obtain user data associated with a user. The client device may determine a subset of components of the plurality of components of the email to be displayed in a customized email based on the user data. The subset of components may be caused to be displayed in the customized email via a user interface without displaying one or more other components of the plurality of components in the customized email.

Abstract: Methods and systems are described herein for improving data processing efficiency of classifying user files in a database. More particularly, methods and systems are described herein for improving data processing efficiency of classifying user files in a database in which the user files have a temporal element. The methods and system described herein accomplish these improvements by introducing time dependency into time-homogeneous probability models. Once time dependency has been introduced into the time-homogeneous probability models, these models may be used to improve the data processing efficiency of classifying the user files that feature a temporal element.