Abstract: Arrangements requiring additional multi-factor authentication (MFA) in certain instances of dynamic virtual transaction token (e.g., virtual credit card token) generation via a browser extension.

Abstract: A system and method of establishing a communication session is disclosed herein. A computing system receives, from a client device, a content item comprising text-based content. The computing system generates a mark-up version of the content item by identifying one or more characters in the text-based content and a relative location of the one or more characters in the content item. The computing system receives, from the client device, an interrogatory related to the content item. The computing system analyzes the mark-up version of the content item to identify an answer to the interrogatory. The computing system generates a response message comprising the identified answer to the interrogatory. The computing system transmits the response message to the client device.

Abstract: Various embodiments are directed to a method and system for provisioning a merchant-specific payment apparatus, such as a temporary payment card, via a computing device, such as an automated teller machine (ATM). A user, such as a customer, may specify a merchant. A record of known payment acceptance types at that merchant may be returned, which may be used to determine what type of temporary payment card gets issued to the user.

Abstract: A method, system, and non-transitory computer readable medium are disclosed for recommending merchants. The method includes storing a first tip amount and a second tip amount corresponding to a first merchant and a second merchant, respectively. Then, categorizing the first tip amount and the second tip amount into a lower weighted category or higher weighted category. The method also includes generating, using a weighted model that includes machine learning logic: a first score for the first merchant based on the first tip amount and the category of the first tip amount; and a second score for the second merchant based on the second tip amount and the category of the second tip amount. Tip amounts in the higher weighted category carry more weight in generating scores than those in the lower weighted category. Then, either the first merchant or the second merchant is recommended based on the scores.

Abstract: Embodiments of the present disclosure relate to systems and methods for capturing information. In addition, embodiments of the present disclosure relate to solutions for capturing information using a web browser extension. Embodiments of the present disclosure further relate to securely transmitting captured information to a server for association with an application or form being completed by an individual.

Abstract: Various embodiments described herein are generally directed to techniques for managing fraud rules and generating authentication directions according to location data from one or more client devices. Embodiments may include using a payment server informed by a client device application to manage and/or apply fraud rules for transactions. In embodiments, fraud rules may be managed based on location data provided by a client device application and/or location data associated with at least one transaction system. In some embodiments, fraud rules may be managed based on location data provided by multiple client device applications and/or location data associated with at least one transaction system. In some embodiments, rules may be managed for an individual authorization request according to information from at least one client device application and location data for a transaction system associated with the authorization request.

Abstract: Methods and systems are described for verifying an identity of a user through contextual knowledge-based authentication. The system described uses contextual knowledge-based authentication. By verifying an identity of a user through contextual knowledge-based authentication, the verification is both more secure and more intuitive to the user. For example, by relying on confidential and/or proprietary information, the system may generate verification questions, the answers to which are known only by the user.

Abstract: Disclosed herein are system, method, and computer program product embodiments for generating and displaying virtual number information using augmented reality technology. Interaction with virtual number information may be provided via an augmented reality display in relation to a payment object that is detected within a real-time view of an augmented reality application. Exemplary operations of the augmented reality application include providing a real-time view via the mobile device, processing a payment object shown via the real-time view, generating a virtual number based on processing of the payment object, and utilizing the generated virtual number.

Abstract: Some embodiments may include causing a message to be output by a speaker of an interactive kiosk in response to detecting a user's presence in an environment of the interactive kiosk. First data representing a response to the message may be captured via at least one sensor of the interactive kiosk. Based on the first data and second data related to prior responses provided by one or more users, a similarity metric for each of the prior responses may be determined, where the similarity metric indicates a degree of similarity between the response and each of the prior responses. An account associated with the response may be determined based on one of the similarity metrics satisfying a predefined authentication condition, a account associated with response, and access to one or more services associated with the account may be provided via the interactive kiosk.

Abstract: Various examples generally directed to unlocking a locked contactless card for use as payment in card-present transactions are provided. The contactless card is a payment card associated with a payment account. An application executing on a mobile device may be operable to enable unlocking the locked contactless card and receive an indication that the contactless card associated with the mobile device is unlocked for use in card-present transactions. The application may present information related to permitted uses of the unlocked contactless card via a graphical user interface. The permitted uses of the unlocked contactless card may be modified via the graphical user interface.

Abstract: A device receives image data associated with an environment of an individual and identifies verifiable content by processing the image data. The device processes the verifiable content to determine a likelihood that the individual is an employee or agent of an organization and to determine a set of likelihoods of the environment being a work environment. The device determines, based on the likelihood and the set of likelihoods, a number of verifiable hours worked by the individual during a given time period. The device identifies wages data that specifies a number of hours worked that has been credited to the individual for the given time period, determines that an amount of wages paid to the individual is an incorrect amount of wages, and provides an alert to another device that indicates that the amount of wages paid to the individual is the incorrect amount of wages.

Abstract: Embodiments may generally be directed components and techniques to detect a request to provide banking account information over a one or more voice connections, identify the requested banking account information, and generate speech data representing the banking account information requested. In embodiments further include communicating the speech data to another device.

Abstract: A device may receive, from a point-of-sale (POS) device, transaction data associated with a transaction between a customer and a merchant associated with the POS device. The device may determine a customer email address and other data associated with the transaction, the customer, or the merchant, based on the transaction data and customer data identifying the customer, and may process the customer email address, the other data, and social media data, with a machine learning model, to identify a social media account of the customer. The social media data may include data identifying multiple social media accounts, and the multiple social media accounts may include the social media account of the customer. The device may determine, based on the social media data, whether the social media account of the customer follows the merchant, and may perform actions based on whether the social media account follows the merchant.

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: A device may provide, to a user device, task data identifying tasks to be performed, and may receive, from the user device, a selection of a particular task from the tasks to be performed. The device may identify cameras associated with a particular task location, and may receive, from the user device, data identifying a location of the user device. The device may determine that the location of the user device matches the particular task location, and may receive, from the user device, task image data identifying images of the particular task location. The device may access, from the cameras, camera data identifying images of the particular task location, and may process the task image data and the camera data, with a machine learning model, to determine performance data associated with performance of the particular task. The device may perform one or more actions based on the performance data.

Abstract: A system may receive a request to verify an identity of a user. The system may transmit information that identifies a task to be performed via user interaction with a client device and information that identifies behavioral data to be collected by the client device in connection with performance of the task, wherein the task requires at least one of: movement of the client device, interaction with a user interface of the client device using a gesture, or interaction with a user interface of the client device using a cursor. The system may receive the behavioral data and may perform identity verification associated with the user based on the behavioral data and the task. The system may transmit an indication of a recommended action to be performed with respect to the user and the client device based on performing the identity verification.

Abstract: A device may receive, from a payment processor server device, a transaction card number and a network address of a client device, wherein the transaction card number and the client device are associated with a customer attempting to conduct an online transaction with a merchant via a merchant server device. The device may process the transaction card number and the network address, with a machine learning model, to determine whether to approve or deny the online transaction. The device may selectively provide, to the client device and the merchant server device, data indicating that the online transaction is approved when the machine learning model determines to approve the online transaction, or provide, to the client device and the merchant server device, data indicating that the online transaction is denied when the machine learning model determines to deny the online transaction.

Abstract: Systems and methods for user authentication using an authentication sequence are disclosed. The disclosed systems and methods may include a computing device for authenticating a user. The computing device may include at least one processor and at least one computer-readable medium. The at least one computer-readable medium can containing instructions that, when executed by the at least one processor, cause the computing device to perform operations. The operations may include receiving an authentication sequence provided by one or more authentication objects and authenticating the user based on the authentication sequence. The authentication sequence can be a card-swipe sequence and authentication can be performed based on characteristics of the card-swipe sequence, such as the cards used, the order the cards are used in the sequence, the timing of card use, and the type of card swipe.

Abstract: The disclosure relates to initiating and completing peer to peer payments or peer to merchant payments initiated by financial cards and cameras of mobile devices. In some embodiments, the disclosed systems and methods may provide an accurate determination of parties involved in a peer to peer transaction, be useable with hardware and software that users are already in possession of, and securely initiate a peer to peer transaction. The disclosed systems may include a server communicatively coupled to a mobile device by a network. The server may receive an image of one or more financial cards, retrieve account information for each financial card in the received image, generate a proposed transaction based on the retrieved account information, transmit the proposed transaction to the mobile device, receive approval for the proposed transaction and initiate a payment or a transfer to an account based on the retrieved account information.

Abstract: A system may receive, from a server device that provides an application form to a client device, device information associated with the client device, wherein the device information indicates a geolocation associated with the client device. The system may receive, from the server device, behavior information that indicates user behavior associated with inputting data into the application form using the client device, wherein the behavior information indicates a manner in which the data is input into one or more fields of the application form. The system may determine a fraud score based on the device information and the behavior information. The system may transmit an indication of a recommended action to be performed by the server device with respect to the application form and the client device based on the fraud score.