Abstract: A system or method may implement an overdraft prediction analysis to predict whether an account overdraft is about to occur. The overdraft prediction analysis may be based on: 1. customer account data, such as current account balance, historical balances, historical withdrawals, historical deposits balance trends, and the like; 2. account transaction data, such as routine or recurring account transactions, timing of transactions, amount, deposit or withdrawal transactions, and the like; 3. location data, such as locations of past purchases or payments; and 4. time and date data, such as dates and times of past transactions. Other factors, such as credit score, loan activities, social data, or the like also may be used for the overdraft prediction analysis. Once an overdraft situation is predicted, the system or method may provide options for the users to avoid or mitigate the potential account overdraft.

Abstract: A system and method to associate an electronic gift certificate with a payment services account to cause presentation of the electronic gift certificate based on meeting a predetermined condition. A gift certificate is purchased on-line and associated with a recipient's payment services account by the electronic gift certificate purchaser. A graphical user interface representing the payment services account of the recipient is presented with a record of the electronic gift certificate in a hidden state within the payment services account. Determining the predetermined condition is met, unmarking the record of the electronic gift certificate and causing presentation of a gift certificate button within the user interface representing the payment services account.

Abstract: Techniques for providing access to scope-delimited sensitive data are disclosed. A user provides sensitive data to a first party associated with a payment service provider. The first party stores the sensitive data with the payment service provider, and the payment service provider provides the first party merchant with an encoding of the payment data. The first party provides a purchasing opportunity to the user for goods offered by a third party also associated with the payment service provider. The first party transmits a sensitive data grant request to the payment service provider. In response, the payment service provides a scope-delimited encoding of the sensitive data. The first party provides the scope-delimited encoding of the payment data to the third party. The third party merchant creates a transaction using the scope-delimited encoding of the sensitive data. At some time later, access to the scope-delimited encoding of the sensitive data is revoked.

Abstract: There is provided systems and method for a communication device interface for monetary transfers through a displayable contact list. A user may import contacts from a contact list application, a social networking service, a user account with a payment provider, and/or another contact source into a communication device, such as a mobile phone. The mobile phone may then execute a monetary transfer module that allows the user to transmit requests for monetary transfers with the contacts. When the user selects a contact in a contact list, the module may retrieve payment account information and initiate a monetary transfer with the selected contact. The monetary transfer may correspond to receiving money or sending money to the contact. Additionally, the user may communicate messages with the request as well as a monetary amount. In order to facilitate completion of the monetary transfer, a payment provider may be utilized.

Abstract: A method and apparatus for mobile emulator determination using sound fingerprinting is disclosed. The method includes a verification computer system receiving a transaction request from a computing device purporting to be a mobile device. Responsive to receiving the request, the verification computer system transmits a request for verification information to the computing device. The verification system includes information regarding a tone to be generated by a speaker of the computing device. Thereafter, verification information is received from the computing device. The verification information includes information tone information generated by the computing device, wherein the tone is, after generation, detected by a microphone. The verification system then verifies, based on the receive verification information, whether the information indicates that the computing device is a mobile device.

Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for generating dynamic machine readable codes. In one embodiment, a system is introduced that enables the analysis of user information for the generation of the dynamic machine readable code. In response to the analysis, using middleware on a multi-tier system, user information is embedded onto the dynamic machine readable code. The embedded user information can be captured during the transaction enabling the presentation of customized content which can be used to provide a user friendly interface for the transacting while detecting incorrect account usage. In another embodiment, in conjunction with the dynamic machine readable code, additional user and/or device features are captured during the processing of a transaction such that the combination facilitate fraudulent activity detection.

Abstract: There are provided systems and methods for vehicle identification and device communication through directional wireless signaling. A user's device may include a directional wireless transceiver that may be used to provide wireless signaling in a specific target direction. The user may direct the device at a particular vehicle, where the vehicle may has a transceiver located within or attached to the vehicle that responds to the particular wireless signaling. The vehicle's transceiver may respond to the device of the user with a unique identifier that allows for communication with the vehicle's operator. The unique identifier may therefore allow for message content to be sent directly to a device for the vehicle's operator, or may allow for a service provider to process the message. Additionally, the vehicle's operator may establish privacy settings for communications, which may be utilized to determine whether the message content will be provided to the device.

Abstract: Methods, systems, and computer program products for providing attribute-based card combinations for digital wallets are disclosed. A computer-implemented method may include associating a first asset with a digital wallet, associating a second asset with the digital wallet, receiving a request to determine a relationship between the first asset and the second asset in the digital wallet, determining the relationship between the first asset and the second asset in the digital wallet, creating the relationship between the first asset and the second asset in the digital wallet, notifying a user of the digital wallet about how a change to the first asset in the digital wallet is to affect the second asset in the digital wallet based on the relationship between the assets, and performing a transaction involving the digital wallet based on the relationship between the first asset and the second asset in the digital wallet.

Abstract: There are provided systems and methods for user specific data distribution of crowd-sourced data. A user may provide data indicative of an item the user may wish to purchase, for example, through browsing history, entry of the item to a transaction, or other information. A community of users associated with the user, which may include the user or other known or nearby users, may provide real-time data collected by their devices of information that may be relevant to purchase of the item. The information may be passively or actively collected by components of devices for their devices, and may be crowd-sourced so that the community of users may elect to release the information and receive rewards by virtue of their data sharing. The information may be processed to determine a recommendation for purchase, which may be output through a commonly used communication platform for the user.

Abstract: There are provided systems and methods for dynamic authentication through user information and intent. A user may wish to purchase an item that they view on a merchant marketplace using a computer of mobile phone. The merchant for the merchant marketplace may register the user's intent to purchase the item by receiving the user's actions while browsing the marketplace. The user may further provide user information with the merchant, such as a biometric reading, identifier, or other information. When the user then arrives at a merchant location to purchase the item and complete a transaction using a payment instrument, the merchant may process the user's intent and information to determine how confident the merchant is that the user is entitled to utilize the payment method. Such confidence rating may correspond to whether the merchant believes the transaction is fraudulent or if the user is misrepresenting their identity.

Abstract: Methods and systems for using dispersed cached data stored in multiple database nodes for serving database access requests are described herein. Upon receiving a request for data from a requesting device, a first application server determines whether the requested data is stored in a local cache memory. If it is determined that the requested data is not stored in the local cache memory, without accessing a local, first database, the first application server determines that the requested data is stored in a cache memory of a second application server, wherein the second application server stores at least a portion of the data from a second database in its cache memory. The first application server retrieves the requested data from the cache memory of the second application server and provides the retrieved data to the requesting device.

Abstract: There are provided systems and methods for tracking data flow through data services using a processing request identifier in callstack data. During processing requests with a service provider, each request is assigned a particular identifier, called a correlation identifier. The correlation identifier is stored in callstack data and may be used to map these individual data processing flows for the requests to the data processing services of the service provider used during the flows. Once the data flows are determined the actual used services may be identified. The mapping system may also provide for removal of erroneous callstack and reassembly of callstack data during asynchronous service calls. Additionally, the data flows may be used to see where multiple callstacks have divergent data flows. A service provider may utilize the data flows for determination of service usage rates.

Abstract: A request to access one or more server resources is received from a user device. Based on the request, a purported version of a browser running on the user device is determined. The user device executes a program within the browser, according to various embodiments, which throws one or more exceptions associated with one or more particular browser versions. The results of the exceptions may be analyzed to determine whether the purported version of the browser appears to be a true version of the browser. If the analysis indicates that the purported version of the browser is not accurate, the request to access the one or more server resources may be evaluated at an elevated risk level. Inaccurately reported browser versions may indicate an attempt to gain unauthorized access to an account, and thus, being able to detect a falsely reported browser version can help improve computer security.

Abstract: A system, including: a non-transitory memory; and one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations including: determining a first physical location of a user; comparing the first physical location to data indicative of network availability; and in response to comparing the first physical location to data indicative of network availability, generating a first electronic token and a second electronic token for a mobile computing device associated with the user.

Abstract: Various systems, mediums, and methods may involve a routing system. For example, the routing system may determine a user request for an item, possibly generated by the user's device, such as a smartphone device. The routing system may search for the item with a lead inventory system associated with one or more networks. The routing system may identify that the lead inventory system is out or out of stock with respect to the requested item. The routing system may also route the user request to one or more stocked inventory systems, possibly holding the requested item in stock. As such, the routing system may identify at least one stocked inventory system capable of providing the requested item from the inventory.

Abstract: A method is provided that includes assigning one or more first records of a first table and one or more second records of a second table to corresponding range groups of a plurality of range groups. The method further includes comparing at least one record of the first table with at least one record of the second table, where the at least one record of the first table and the at least one record of the second table are assigned to a first range group of the plurality of range groups. The method also includes, based on the comparing, identifying a parent record and a child record and segmenting the parent record based on the child record. Further, the method includes subsequent to the segmenting the parent record, performing a join operation on the first table and the second table.

Abstract: Various systems, mediums, and methods may involve a provider application configured to access a user account associated with a provider server. For example, a system may perform operations to identify one or more other applications installed on the mobile device that may be configured to communicate with the provider server. The system may determine data required by the other applications to perform one or more data transfers with the user account. The system may cause the provider application to send the data required to the other applications. As such, the other applications may be enabled to perform one or more data transfers with the user account based on the data sent to the other applications.

Abstract: Methods and systems for detecting malware by monitoring client-side memory stacks are described. A request for a payment process is received and a client-side memory stack is populated with a series of functions corresponding to the requested payment process. The execution of each function is monitored to determine whether the series of functions and an order of execution of the functions from the client-side memory stack are the same as an expected series of functions and in an expected order corresponding to the payment process. The monitoring also determines whether the number and types of parameters called by the functions are the same as the expected number and types of parameters. The monitoring further determines whether the timing of the execution of the functions is the same as an expected timing. Remedial action is performed when the any of these factors is determined to be different than what is expected.

Abstract: There is provided systems and methods for interface data display optimization during critical device operations. A user may utilize a device to perform various device or application functionalities, which may include critical computing tasks at times. These critical processes may include certain GUI data display that the user and/or device requires to be displayed during the critical processes. To prevent the GUI data display from being obscured by other banners, pop-up notifications, or other interface data displays, the device may determine whether the current displayed interface data on the GUI is critical or has a higher priority for display than a new request for data display. This may be based on preferences within the application, where the requested data display may occur on the GUI, current device or application data, and/or information for the requested data display. The device may then block the data display.

Abstract: A voice activated assistant activation prevention system includes a database storing audio source information describing a relative location of an audio source. The system is configured to monitor, using at least one microphone, for an activation command that is associated with a recording of a subsequent instruction command and a sending that subsequent instruction command through a network. When the system detects, using first audio information received by the at least one microphone, a first instance of the activation command, it determines a source location of the first instance of the activation command. If the system matches the source location of the first instance of the activation command to the relative location of the audio source described by the audio source information in the database, the system may prevent the sending though the network of an instruction command that immediately follows the first instance of the activation command.