Abstract: Embodiments disclosed herein generally relates to a payment card, and more specifically to a payment card with obfuscated personal identification information and a method of generating the same. In one embodiment, an apparatus is disclosed herein. The apparatus includes a substrate, one or more sets of personal identification information, and a masking layer. The substrate is formed from a water-insoluble material. The one or more sets of personal identification information is formed on the substrate. The masking layer is selectively positioned on the substrate to obscure at least one set of personal identification information. The masking layer is formed from a water-soluble material.

Abstract: Systems and methods for using accelerations derived from a motion pattern for multi-factor authentication, the method including receiving, filtering, and determining an identifying pattern from acceleration data representative of the user and using the identifying pattern for secured access authentication.

Abstract: In certain embodiments, speech is converted to text for theme identification by natural language processing. Notification data is generated based on detected themes and the notification data may include rules for notification presentation on a client device. The notification data may include parameters for processing image data captured by an augmented reality device to detect one or more objects. The objects may be associated with the theme and detection thereof within captured image data, and in accordance with other rules, may cause the augmented reality device to present a notification with contextual relevance to a current environment of a user utilizing the augmented reality device.

Abstract: Systems and methods relate to predicting improved operating hours for a merchant. For example, a method may include determining operating hours of a target merchant; identifying one or more merchants other than the target merchant having one or more common characteristics with the target merchant; obtaining transactional data indicating customer transactions at the one or more merchants other than the target merchant; computing an estimate of potential customer transactions at the target merchant during a the period of time not within the operating hours by processing input data including the obtained transactional data using a trained machine learning model to produce the estimate, the estimate being a number or value of consumer transactions missed as a result of the target merchant being closed during the period of time; and transmitting, to the target merchant, information indicating the computed estimate.

Abstract: Embodiments of systems and methods for generating virtual account-linked cards are described. A virtual account-linked card may be generated in response to a determination that a physical account-linked card has been forgotten at a card reader and ingested by the card reader. A virtual account-linked card may be restricted such that it can only be used to execute a transaction with authorized transaction partners identified in a database.

Abstract: A first client device can be in communication with a server. The server can store in a database records associated with a first user account and a second user account. The first user can scan a code printed on an object. The first client device can read the code and transmit it to the server. The server can activate a default message when it receives the code. The first user can pass the object to a second user. The second user can scan the physical object at a second client device. The second client device can read the code and transmit it to the server. Once the server receives the code from the second client device, the server can transmit the default message from the first user account to the second user account according to a transmission plan. The second client device can display the transmitted message.

Abstract: Systems and methods for generating personalized navigation menus are disclosed. For example, the system may include one or more memory units storing instructions and one or more processors configured to execute the instructions to perform operations. The operations may include receiving account data associated with a plurality of accounts and receiving navigation menu data associated with the accounts. The operations may include training a model based on the account data and the navigation menu data. The operations may include receiving a request associated with a user and receiving user account data associated with the user. The operations may include generating, using the model, a navigation menu based on the request and the user account data. The operations may include providing the navigation menu.

Abstract: Embodiments disclosed herein generally related to an automated teller machine (ATM) and a method of operating the same. In one embodiment, an apparatus is disclosed herein. The apparatus includes a body, a display, two or more currency dispensing components, two or more currency cartridges, two or more tracks, and a controller. Each currency dispensing component is dedicated to a specific currency denomination. The two or more currency cartridges are configured to store currency. Each currency cartridge dedicated to a specific currency denomination. Each track extends between a currency dispensing component and a currency cartridge. The two or more tracks are configured to transmit currency from the two or more currency cartridges to the two or more currency dispensing components. The controller is in communication with the display, the two or more currency dispensing components, the two or more currency cartridges, and the two or more tracks.

Abstract: Embodiments of systems, methods, and devices for protecting service personnel by deploying a physical barrier are described. Further embodiments describe additional security features such as lights, sirens, cameras, electronic locks, timers, and/or notifying security personnel or local law enforcement when the system is activated.

Abstract: Embodiments disclosed herein generally related to a system and method for exempting a transaction from a transaction hold. A computing system determines that an account associated with a user has been compromised. The computing system places a transaction hold on the account that has been compromised. The computing system generates one or more safe zones based at least on historical transaction data associated with the user. The one or more safe zones exempt from the transaction hold. The computing system receives a verification request for a transaction associated with the account. The verification request includes at least a merchant identification code associated with the third party merchant. The computing system determines that the third party merchant is included in at least one safe zone of the one or more safe zones. Based on the determination, the computing system verifies the transaction with the server of the third party merchant.

Abstract: In certain embodiments, an online transaction is verified based on merchant-independent user geolocation. A geolocation of a user associated with the online transaction is obtained from a mobile device of the user by a transaction verifying entity separate and independent from a merchant entity with which the online transaction is initiated. A server associated with the transaction verifying entity determines a proximity of the geolocation of the user to a delivery address for verifying the online transaction. The server generates a verification message including an approval message based on the proximity of the geolocation to the delivery address being within a specified threshold. The server generates a verification message including a rejection message based on the proximity of the geolocation to a delivery address exceeding the specified threshold. The server sends the verification message to another server associated with the merchant entity to carry out the online transaction accordingly.

Abstract: A credit card with an obscurable account identifier. The credit card further comprises a substrate defining a first surface with a chromogenic feature wherein the chromogenic feature is capable of changing from a first state and a second state based on an activating trigger. In the first state, the chromogenic feature appears with a first optical property that obscures the account identifier, and in the second state. the chromogenic feature appears with a second optical property that reveals the account identifier.

Abstract: Embodiments disclosed herein generally relate to an apparatus for counterfeit detection and a method implementing the same. In one embodiment, as apparatus is disclosed herein. The apparatus includes a first end, a second end, an elongated body, an ink cartridge, a controller, and a trigger. The elongated body extends from the first end to the second end. The elongated body defines a cavity therein. The ink cartridge is disposed in the cavity. The controller is positioned within the cavity. The controller is configured to communicate with at least one computing system remote from the apparatus. The trigger is in electronic communication with the controller. The trigger extends at least partially though the elongated body. The trigger is actionable between a first position and a second position. A change from the first position to the second position transmits an electronic signal to the controller.

Abstract: Embodiments of systems and methods for generating virtual account-linked cards are described. A virtual account-linked card may be generated in response to a determination that a physical account-linked card has been forgotten at a card reader and ingested by the card reader. A virtual account-linked card may be restricted such that it can only be used to execute a transaction with authorized transaction partners identified in a database.

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: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.

Abstract: Disclosed are systems and methods for identifying location-based information associated with a product on a web page. The method may include: detecting user navigation by the user of the web page; detecting the at least one product on the web page; identifying one or more merchants having the detected at least one product in stock; determining a user location of the user; determining the identified one or more merchants having the detected at least one product in stock and having a location within a predetermined distance of the user location; generating a list of merchants, the list including the determined one or more merchants having the detected at least one product in stock and having the location within the predetermined distance of the user location; and executing a browser extension to display, on the web page associated with the at least one product, the generated list of merchants.

Abstract: Systems and methods for generating personalized navigation menus are disclosed. For example, the system may include one or more memory units storing instructions and one or more processors configured to execute the instructions to perform operations. The operations may include receiving account data associated with a plurality of accounts and receiving navigation menu data associated with the accounts. The operations may include training a model based on the account data and the navigation menu data. The operations may include receiving a request associated with a user and receiving user account data associated with the user. The operations may include generating, using the model, a navigation menu based on the request and the user account data. The operations may include providing the navigation menu.

Abstract: A first client device can be in communication with a server. The server can store in a database records associated with a first user account and a second user account. The first user can scan a code printed on an object. The first client device can read the code and transmit it to the server. The server can activate a default message when it receives the code. The first user can pass the object to a second user. The second user can scan the physical object at a second client device. The second client device can read the code and transmit it to the server. Once the server receives the code from the second client device, the server can transmit the default message from the first user account to the second user account according to a transmission plan. The second client device can display the transmitted message.

Abstract: A method of recovering blockchain wallet items, the method including: configuring a first smart contract to authorize a second smart contract to initiate transfer of one or more wallet items registered to the first smart contract to a location specified by the second smart contract; configuring the second smart contract to initiate transfer of the one or more wallet items from the first smart contract in response to receiving a first recovery verifier; receiving, via an API and by the second smart contract, a wallet recovery request associated with the first smart contract, the wallet recovery request specifying a third smart contract as being a recipient wallet; and based on the wallet recovery request and responsive to receiving the first recovery verifier, initiating, by the second smart contract, a transfer of the one or more wallet items from the first smart contract to the third smart contracts.