Abstract: Systems and methods involving secure connections between security meshes are disclosed herein. One disclosed device includes a first security processor located within a first security mesh, a first casing having a connector and supporting the first security mesh and the applications processor, a second security processor located within a second security mesh, and a second casing connected to the first casing via the connector and supporting the second security mesh. The first security processor and second security processor are programmed to generate a unique pre-shared key independently on both the first security processor and the second security processor using an elliptic key exchange and establish a secure connection between the first security processor and the second security processor using the unique pre-shared key.

Abstract: Implementations and examples described herein provide for prepaid gift cards, and processing of prepaid gift cards, having security measures to prevent fraudulent redemption of the prepaid gift cards.

Abstract: Implementations and examples described herein provide for integrating gift cards and gift card transactions into payment flows that include general payment networks, providing the functionality of closed-loop gift card systems within the wider payment networks and allowing for the use of gift cards with additional payment methods.

Abstract: A method may include receiving merchant input indicating a target level of security and a target level of transaction authorization, determining, based on the merchant input, a set of analytic services to be applied to transactions, the set of analytic services configured to generate data regarding a transaction, in response to receiving transaction data of a transaction associated with the merchant, automatically making API calls to the set of analytic services requesting data regarding the transaction, determining, based on the data regarding the transaction from the set of analytic services and the merchant input, whether to transmit an authorization request, in response to determining to transmit the authorization request, generating the authorization request based on the data regarding the transaction from the set of analytic services and the merchant input, and transmitting the authorization request to an issuer system.

Abstract: A point-of-sale system may include a customer-facing device including a customer-facing display, one or more first processors, and a first non-transitory, computer-readable medium including first instructions, a merchant-facing device including a merchant-facing display, one or more second processors, a second non-transitory, computer-readable medium including second instructions which cause the one or more second processors to, receive a signed data structure from a certificate authority trusted by the customer-facing device, transmit the signed data structure to the customer-facing device, the data structure defining a user interface for display on the customer-facing display for performance of a transaction, wherein the first instructions cause the one or more first processors to authenticate the signed data structure, render the user interface defined in the signed data structure on the customer-facing display, and receive user input via the user interface related to the transaction.

Abstract: A system and method include determining, by a point of sale (POS) device, that new data is available at the POS device, in response to determining that new data is available, sending the new data to a cloud server, in response to determining that the new data is successfully transmitted to the cloud server, generating a synchronization request indicating availability of new data at the cloud server, identifying one or more kitchen display systems (KDS) to send the synchronization request to, and sending the synchronization request to each of the identified KDS. Each identified KDS retrieves the new data from the cloud server in response to receiving the synchronization request, and at least one of the KDS performs an action based on the new data in response to retrieving the new data. Each KDS follows a similar procedure when new data for the POS device is available at the KDS.

Abstract: An apparatus may include a gantry including an arm configured to affix a transaction card to a card carrier, a conveyor configured to convey the card carrier to the gantry in a first direction, and a controller configured to receive inputs comprising at least a desired location on the card carrier where the transaction card is to be affixed and a desired orientation of the transaction card on the card carrier, move the arm of the gantry based on the inputs in a second direction perpendicular to the first direction and in a third direction perpendicular to the first direction and the second direction, rotate the arm based on the inputs in a fourth direction perpendicular to the second direction and the third direction, and affix the transaction card to the card carrier by the arm of the gantry.

Abstract: A system comprising one or more processors and a computer-readable, non-transitory medium including instructions which, when executed by the one or more processors, cause at least one of the one or more processors to obtain transaction data including a first merchant and a first user, and train a machine-learning model using the transaction data by executing the machine-learning model using as input the transaction data to generate a first merchant embedding corresponding to the first merchant and a first user embedding corresponding to the first user determining a similarity between the first merchant embedding and the first user embedding, and updating the machine-learning model based on whether the first user made a purchase at the first merchant within a predetermined time period.

Abstract: A system including one or more processors and a computer-readable, non-transitory medium including instructions which cause at least one of the one or more processors to obtain merchant data including a plurality of merchants, obtain a set of word embeddings extracted using a large language model, refine the set of word embeddings by executing a machine-learning model using as input the merchant data to obtain a set of merchant embeddings, determine a first cluster of first merchant embeddings and a second cluster of second merchant embeddings within the set of merchant embeddings, determine a first name for the first cluster based on the first embeddings and a second name for the second cluster based on the second embeddings, and merge the first cluster and the second cluster based on a similarity of the first name and the second name to obtain a merged cluster.

Abstract: An apparatus may include a gantry configured to affix a transaction card to a card carrier, a conveyor configured to convey the card carrier to the gantry, a flipper system including a flipper arm configured to engage the card carrier and flip the card carrier onto the conveyor, and a controller. The controller is configured to receive an input including a desired location on the card carrier where the transaction card is to be affixed and a desired orientation of the transaction card on the card carrier, determine that the card carrier has been received by the flipper system, operate the flipper arm to engage the card carrier and flip the card carrier onto the conveyor, move the arm of the gantry based on the one or more inputs, and affix the transaction card to the card carrier by the gantry.

Abstract: A system and method of identifying merchant logos may include one or more processors and a computer-readable, non-transitory medium including instructions which, when executed by the one or more processors, cause at least one of the one or more processors to obtain a logo image associated with a merchant, execute a logo detection machine-learning model using as input the logo image to determine whether the logo image is a logo, in response to determining that the image logo is a logo, execute a logo classification machine-learning architecture to identify the merchant.

Abstract: A point-of-sale (POS) device may include an input device to receive transaction data, a processor to process the transaction data, a storage memory to store the transaction data, a supercapacitor to provide power to the processor in response to a loss in power, and a voltage monitor to monitor an input voltage to the POS device to identify the loss in power and provide an alert to the processor indicating the loss in power, wherein, in response to the alert, the processor stores the transaction data in the storage memory.

Abstract: A system may include a folding apparatus configured to fold a card carrier for affixing a transaction card to the card carrier and a processor which can receive a first input from a user regarding a number of folds desired in the card carrier and a location of the folds on the card carrier, receive a second input regarding one or more directions of the folds to be made on the card carrier, and transmit a signal to a positioner motor configured to position the card carrier based on the first input and the second input such that the folding apparatus folds the card carrier according to the first input and the second input.

Abstract: A system and method include determining, by a point of sale (POS) device, that new data is available at the POS device, in response to determining that new data is available, sending the new data to a cloud server, in response to determining that the new data is successfully transmitted to the cloud server, generating a synchronization request indicating availability of new data at the cloud server, identifying one or more kitchen display systems (KDS) to send the synchronization request to, and sending the synchronization request to each of the identified KDS. Each identified KDS retrieves the new data from the cloud server in response to receiving the synchronization request, and at least one of the KDS performs an action based on the new data in response to retrieving the new data. Each KDS follows a similar procedure when new data for the POS device is available at the KDS.

Abstract: A method may include obtaining merchant data for a plurality of merchants, adjusting the merchant data to obtain adjusted data based upon a ratio of data types in the merchant data, performing a first filtering operation on the plurality of merchants for identifying a first subset of small business merchants from the plurality of merchants, performing a second filtering operation on the first subset of small business merchants for identifying a second subset of small business merchants, applying one or more rules to the adjusted data of the second subset of small business merchants associated with a pre-determined criteria to obtain processed data for the second subset of small business merchants, calculating an index value for the second subset of small business merchants, and generating a report analyzing a trend based on the index value, the report comprising additional information for the second subset of small business merchants.

Abstract: Systems and methods for automated product recommendation are disclosed herein. This can include generating an entry, the entry corresponding to an item selected for purchase, in a mirror-cart linked with a user account and identifying a recipe associated with the selected item. This can include comparing items identified in the recipe to items contained in the mirror-cart to identify a missing item that is not in the mirror-cart, and then prompting the user to purchase the missing item. Automated product recommendation can include generating an entry in the mirror-cart linked to the missing item when the user selects the missing item for purchase, updating an invoice with price information for the selected missing item, and transferring the invoice to a point of sale terminal at the retail location.

Abstract: A system may include a folding apparatus configured to fold a card carrier for affixing a transaction card to the card carrier and a processor which can receive a first input from a user regarding a number of folds desired in the card carrier and a location of the folds on the card carrier, receive a second input regarding one or more directions of the folds to be made on the card carrier, and transmit a signal to a positioner motor configured to position the card carrier based on the first input and the second input such that the folding apparatus folds the card carrier according to the first input and the second input.

Abstract: A system and method of training a neural network for categorizing transactions may include one or more processors and a computer-readable, non-transitory medium including instructions which, when executed by the one or more processors, cause at least one of the one or more processors to obtain transaction data of a transaction, the transaction data including an amount and a description, apply a machine-learning model on the transaction data to extract a confidence vector, wherein the machine-learning model is trained to categorize transactions, determine whether a confidence score of a transaction category satisfies a predetermined threshold, in response to determining that the confidence score of the transaction category does not satisfy the predetermined threshold, augment the description of the transaction using additional data, and in response to determining that the confidence score of the transaction category satisfies the predetermined threshold, assign the transaction category to the transaction.

Abstract: An apparatus to couple an inset panel to a back surface of a front panel of an envelope blank such that the inset panel substantially seals a window through the front panel of the envelope blank and is visible through the window of the front panel of the envelope blank, wherein a front surface of the front panel of the envelope blank has a first optical brightness, and wherein a first surface of the inset panel that is visible through the window has a second optical brightness that is more than or equal to about 1% greater than the first optical brightness.