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: Exemplary systems, methods, and computer-accessible mediums can include, for example, receiving a first location of a user(s) and time information associated with that location, initiating a record for the user(s) based on the location and the time information, receiving a second location of the user(s), where the second location can be in a second bounded area, storing in record, a transaction(s) associated with the user(s) based on the second location, and automatically initiating a single payment for the transaction(s) when the user(s) leaves the first location.

Abstract: A system is provided including a database and a server. The server is configured to: retrieve online merchant terms associated with a merchant; store in the database the online merchant terms; apply a time stamp to the online merchant terms; associate the online merchant terms with the merchant in the database; assign the online merchant terms a date range in the database; receive information of a transaction of a user; search, based on the information of the transaction, the database for the online merchant terms; determine whether the online merchant terms are applicable to the transaction; associate in the database the online merchant terms with the transaction upon determining that the online merchant terms are applicable to the transaction; and responsive to receipt of a selection of viewing online merchant terms associated with the transaction, transmit the online merchant terms for display to the user.

Abstract: Disclosed herein are systems and methods for determining whether an automated telephone call has been answered by a particular user, a different person, or a voicemail service. In response to determining that the call has been answered by the user, a different person, or a voicemail service, the systems and methods can output different respective messages, initiate messaging to the user via alternate communication paths, or perform other actions.

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: 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: Systems and methods for authenticating a user may include transmitting a request for a first set of information after validation of authentication information; receiving a response comprising the first set of information; parsing the first set of information using one or more template-based algorithms by scanning one or more websites to determine publicly available information associated with a user; comparing compare one or more results of the parsing with a second set of information to yield compromised information associated with the user; eliminating one or more portions of the second set of information based on the comparison; presenting a third set of information to authenticate the user based on the elimination and by supplementing the first set of information with a fourth set of information; and presenting a fifth set of information to authenticate the user if the third set of information fails to reach a predetermined threshold number.

Abstract: System and devices for preempting customer acceptance of predatory loan offers is disclosed. The system may store customer account data and customer contact information. The system may determine an applicable first loan tier, each loan tier associated with a predetermined loan offer and indicative of a financial health of the customer. The first loan tier may be determined based on the customer account data. The system may receive a GPS signal indicating that the customer has entered and remained in a geofenced area associated with a predatory loan provider. In response to determining that the loan merchant is a predatory loan provider, the system may update customer account data and determine a second loan tier based on the updated customer account data, wherein the second loan tier is indicative of a higher risk loan than the first loan tier. Before offering the loan, the customer may be authenticated.

Abstract: A system includes an application programming interface, a database, and a server. The application programming interface can make recommendations to a user at a point of sale to display a recommended payment method from a set of payment methods associated with the user. The database can store past transactions for each payment method in the set of payment methods. The server can generate payment analytics by analyzing the past transactions in the database for each payment method. The server can determine potential benefits available to the user. The server can determine the recommended payment method by using the payment analytics and maximizing the potential benefits available to the user.

Abstract: In a method for transferring payment account information, a payment information transfer request is received from an account holder device associated with a first provider account. A list of payees to which electronic payments have been made from the first provider account is transmitted to the account holder device for display to the account holder and a user selection of at least one selected payee from the list of one or more payees is received from the account holder device. A payment account information data file is assembled in a predetermined data format, the file including payment account information for each selected payee. The payment account information data file is then transmitted to at least one of the set consisting of the account holder device and an information processing system of a second account provider.

Abstract: Systems and methods for artificial intelligence transaction priority control are presented. Transaction priority control may be provided in the context of online user accounts maintained by financial institutions. Transaction priority control may be obtained through querying transaction information from a database, applying a predictive model to determine a likely future transaction, assigning a priority score to the future transaction, and approving or denying the future transaction based on the priority score.

Abstract: In a method for securing a web browser, display instructions for displaying web content are received from a content server by a web browser operating on a client computing device. The web browser creates a document object using the display instructions and determines from the document object whether one or more of the display instructions meet font profiling criteria selected to identify attempts to profile font display characteristics of the web browser. Responsive to a determination that font profiling criteria are met, the web browser alters a character display of the document object and implements the document object for displaying the web content on the client computing device.

Abstract: A computer-implemented method for analyzing electronic data associated with a public transit system may include determining a location of a target public transit stop of the public transit system; determining a location of a first user; identifying population location data relevant to the target public transit stop; determining activity data associated with the target public transit stop based on a quantity of users entering and leaving the target public transit stop within a given time period, by processing data including the identified population location data using a trained machine learning model; and providing, to the first user, a notification based on the determined activity data and the location of the first user.

Abstract: Systems and methods build blockchains and verify assets for smart contracts. A system includes a memory, a blockchain, a set of nodes, a set of verifiers, a set of miners, and a consensus protocol. The memory can have a block data structure representing a transaction for an asset having an identifier and at least one verifiable characteristic. The consensus protocol can include rules for: receiving the stake at risk from the verifiers, providing the reputational score to the verifiers, verifying the verifiable characteristic of the asset by the verifiers, cryptographic verification by the miners, adding the new block to the blockchain by the miners, providing the reward to the miners, and distributing the copy of the blockchain to each node.

Abstract: Systems and methods for fraud detection and prevention is disclosed. The system may receive a transaction request for a first customer including a transaction location, transaction time stamp, and merchant type code. The system may determine whether the transaction location is expected for the first customer. When the transaction location is unexpected, the system may identify a last-known video detection having a last-known time stamp and last-known location. The system may determine a travel time estimate between the last-known location and the transaction location and determine a buffer based on the merchant type code. The system may compare the travel time estimate to an allotted time that includes a difference between the transaction time stamp and last-known time stamp less the buffer. When the travel time estimate exceeds the allotted time, the system may execute one or more fraud prevention steps.

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: The disclosed technology relates to Spend Limit Systems for gas-station refuel transactions. An exemplary system may receive vehicle information identifying a customer's vehicle and identify associated vehicle characteristics (e.g., gas tank size). The system may identify a known gas-station transaction geographic region for the customer. When the customer (or a fraudster) attempts to purchase gas, the system may receive a transaction request and, in response, set a single transaction limit sufficient to fill the gas tank size with gas and an associated spend limit. The system may also determine whether the merchant location falls within the known gas-station transaction geographic region. When it does, the system may approve the transaction request up to the spend limit. Otherwise, the system may perform one or more fraud prevention actions to authenticate the customer and either approve or deny the transaction request up to the spend limit and/or selectively perform fraud mitigation action(s).

Abstract: The disclosed systems and methods may request a merchant identifier associated with a merchant from a third party, receive the merchant identifier, retrieve or receive a first uniform resource locator (URL) associated with the merchant, and store the merchant identifier and the first URL in a database. In response to a web browser extension detecting that a user is preparing to make an online purchase associated with the merchant, the system may receive an age request for an age of the merchant from a user device and identify the merchant identifier in the database based on a second URL included in the age request. The system may then request the age of the merchant from the database based on the merchant identifier, receive the age of the merchant from the third party, and transmit the age of the merchant to the user device for display.

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: In a method for distributed upload of documents an upload email address is assigned to a user and associated with a searchable document database accessible by the user via a user device and a network. Sender acceptance criteria are established for the upload email address. An email addressed to the upload email address and having a sender email address is received from an email sender via the network. A determination is made as to whether the received email meets sender acceptance criteria. Responsive to a determination that the email meets sender acceptance criteria, documents attached to the email are identified. Each identified document is associated with a document record comprising a document identifier and a sender identifier associated with the email sender and is stored in the searchable document database with the document record.