Abstract: Systems and methods for providing fraud prevention inserts in a chip pocket of a card are provided. A chip fraud prevention system includes a device including a chip and one or more fraud prevention inserts. The chip, and the fraud prevention inserts, may be at least partially encompassed in a chip pocket.

Abstract: Aspects of this disclosure relate to authenticating a communication session. In some variations, a secured hardware storage area may be utilized to store at least one key credential. A communication session may be established from an enterprise associated application. To verify the authenticity of the communication session, a customer system and a host enterprise system may exchange a token. The token which may be signed with a key credential to validate a communication session. Additional validation data may be exchanged between operators of the customer system and a host enterprise system.

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: The disclosed embodiments include systems and methods for executing a point of sale deposit. In one embodiment, a system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive deposit information related to a point of sale deposit from a mobile device, and generate a deposit token retaining at least the deposit information and deposit authorization information. The one or more processors may also be configured to transmit the deposit token to the mobile device for displaying a readable code generated based on the deposit token, receive a point of sale deposit authorization notification from the merchant device indicating at least receipt by the merchant device of the deposit token from the mobile device, and transfer funds to a financial service account based on the received deposit information and authorization notification.

Abstract: A device receives third-party boycott data associated with a merchant, and receives customer preference data associated with a customer of the merchant. The device processes the third-party boycott data and the customer preference data, with a machine learning model, to identify a boycott of the merchant that is predicted to be of interest to the customer. The device provides, to a user device of the customer, information identifying the boycott of the merchant and information that solicits the customer to indicate whether the customer desires to join the boycott, and receives, from the user device, information indicating that the customer desires to join the boycott. The device causes a transaction account associated with the customer to be restricted from a transaction with the merchant when the information indicates that the customer desires to join the boycott.

Abstract: Systems and methods for formatting data are disclosed. For example, a system may include at least one memory storing instructions and one or more processors configured to execute the instructions to perform operations. The operations may include receiving data comprising a plurality of sequences of data values and training a recurrent neural network model to output conditional probabilities of subsequent data values based on preceding data values in the data value sequences. The operations may include generating conditional probabilities using the trained recurrent neural network model and the received data. The operations may include determining a data format of a subset of the data value sequences, based on the generated conditional probabilities, and reformatting at least one of the data value sequences according to the determined data format.

Abstract: Example embodiments of systems, methods, and computer-accessible mediums for transaction authorization are provided. An exemplary system can comprise a card including an input device and a display device in data communication with a server. The server can generate an authorization passcode upon an initiation of a transaction session, and the card can receive an entered passcode through the input device, display the entered passcode on the display device, and transmit the entered passcode to the server for comparison to the authorization passcode. Upon a determination that the entered passcode is a match for the authorization passcode, the server can transmit a match notification indicating the transaction session is valid, and upon a determination that the entered passcode is a mismatch for the authorization passcode, the server can transmit a mismatch notification terminating the transaction session.

Abstract: A card for storing both emergency information and payment information is disclosed. The card can be used by an emergency responder to retrieve emergency information for the user. The emergency information can enable the emergency responder to better render aid to the user. The card can have one or more processors, a sensor, and a memory in communication with the one or more processors and storing an application thereon. The application can cause the card to receive a request from a user device (e.g., from an emergency medical technician, or EMT) to access emergency information stored in the memory, transmit a security challenge to the user device, authenticate a received response to the security challenge from the user device, and transmit the emergency information to the user device.

Abstract: In order to facilitate entity resolution, systems and methods include a processor receiving first records associated with one or more entities, and second records associated with the one or more entities. The processor generates candidate pairs based on a similarity between first entity data and second entity data. The processor generates features for each candidate pair based on similarity measures between the first entity record and the second entity record. The processor utilizes a scoring machine learning model to determine a match score for each candidate pair based on each feature. The processor determines clusters of candidate pairs based on the match score of each feature for each candidate pair. The processor merges records of candidate pairs of each cluster into a respective entity record. The processor determines an entity associated with each entity record and updates an entity database with the entity record.

Abstract: Methods and systems are described herein for identifying a location of a user prior to sending a notification and/or tailoring notification delivery and/or receipts to a determined location of the user. In many contexts, the delivery or receipt time of these notifications is important. For example, the message may include time-sensitive information or may have been targeted based on delivering (or being received at) an optimal time. The system may determine a time zone identifier by recording a user's default or home location based on known account data and establishing a transaction data stream for identifying transactions that are outside of a radius of the default location. Upon detecting transactions outside the default location, the system may update an account of the user with a temporary location. The system may then determine a delay based on this temporary location.

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 computer-implemented method that includes receiving a request for a target vehicle including input data associated with an operator, a geographic location, and the target vehicle. The method includes determining a depreciation rate based on third-party transaction data retrieved from databases in accordance with the input data associated with the target vehicle, and a decommission rate based on third-party ownership data retrieved from databases in accordance with the input data associated with the target vehicle. The method includes determining a deterioration rate based on local environmental data retrieved from databases in accordance with the input data associated with the geographic location, and generating a regression model configured to compute an estimated value of the target vehicle during a lifetime of the target vehicle using the input data, depreciation rate, decommission rate, and deterioration rate. The method includes determining an output in response to the request for the target vehicle.

Abstract: Methods and systems are described herein for populating application-specific information using overlay applications. For example, in order to relieve some of the difficulties users face in inputting information into mobile devices which may have smaller screen sizes and may not feature dedicated input mechanisms, the methods and systems described herein automatically populate application-specific information. The methods and systems do this using an application that presents an application overlay feature. That is, the application is accessible while a user is using another application (e.g., on the mobile device) and/or while a user is scrolling through other applications.

Abstract: A system and method for automated caching and tabling for finding and swapping media content is disclosed.

Abstract: Methods and systems are described herein for integrating model development control systems and model validation platforms. For example, the methods and systems discussed herein recite the creation and use of a model validation platform. This platform operates outside of the environment of the independently validated models as well as the native platform into which the independently validated models may be incorporated. The model validation platform may itself include a model that systematically validates other independently validated models. The model validation platform may then provide users substantive analysis of a model and its performance through one or more user interface tools such as side-by-side comparisons, recommended adjustments, and/or a plurality of adjustable model attributes for use in validating an inputted model.

Abstract: Methods and systems are for a content delivery management platform that organizes and monitors content delivery networks by the applications, features, or functions that they serve. The content delivery management platform is agnostic to the content delivery network. To provide this functionality, the content delivery management platform uses an abstraction layer to interface between the content delivery networks and the needs of the content provider (e.g., the owner of the content delivery management platform) as it serves users (e.g., provides the applications, features, or functions).

Abstract: Techniques for monitoring operating statuses of an application and its dependencies are provided. A monitoring application may collect and report the operating status of the monitored application and each dependency. Through use of existing monitoring interfaces, the monitoring application can collect operating status without requiring modification of the underlying monitored application or dependencies. The monitoring application may determine a problem service that is a root cause of an unhealthy state of the monitored application. Dependency analyzer and discovery crawler techniques may automatically configure and update the monitoring application. Machine learning techniques may be used to determine patterns of performance based on system state information associated with performance events and provide health reports relative to a baseline status of the monitored application. Also provided are techniques for testing a response of the monitored application through modifications to API calls.

Abstract: Systems as described herein may enhance merchant databases using crowdsourced browser data. An electronic payment server may receive cache information associated with the first transaction from a browser extension. The electronic payment server may retrieve a transaction record for a second transaction in a transaction database, wherein the first transaction matches with the second transaction. The electronic payment server may update a merchant record in a private merchant database with a friendly merchant name based on the cache information. Upon determining that the merchant record in the private merchant database exceeds a threshold confidence level, the merchant record may be promoted to a trustworthy database, and the friendly merchant name may be presented to a user device.

Abstract: In an example embodiment, a system for allowing one or more password errors may store a correct password for a user and receive an attempted login from a user device. The attempted login may include (1) an attempted password with one or more errors and (2) metadata. The system may assign a metadata risk score to the metadata, assign a password risk score to the attempted password, aggregate the scores, and grant or deny access to the user based on the aggregated score and a predetermined threshold.

Abstract: Techniques for monitoring operating statuses of an application and its dependencies are provided. A monitoring application may collect and report the operating status of the monitored application and each dependency. Through use of existing monitoring interfaces, the monitoring application can collect operating status without requiring modification of the underlying monitored application or dependencies. The monitoring application may determine a problem service that is a root cause of an unhealthy state of the monitored application. Dependency analyzer and discovery crawler techniques may automatically configure and update the monitoring application. Machine learning techniques may be used to determine patterns of performance based on system state information associated with performance events and provide health reports relative to a baseline status of the monitored application. Also provided are techniques for testing a response of the monitored application through modifications to API calls.