Abstract: Systems as described herein determine merchant enforced transaction rules. A determination server may receive transaction data associated with a plurality of merchants. The determination server may generate a histogram of payments associated with a merchant category and filter out transaction data having purchase amounts above or below a predetermined threshold. The determination server may determine a first average purchase amount associated with merchants in the merchant category and a second average purchase amount associated with each merchant in the merchant category. The determination server may determine user spending patterns and that a first merchant in the merchant category enforces one or more card-based transaction rules using machine learning models. After determining that a user device is proximately located to the first merchant, a notification indicating the one or more card-based transaction rules associated with the first merchant may be sent to the user device.

Abstract: A server device receives, from a user device, a session initiation request and information identifying a location of the user device, and receives, from a monitoring device that is separate from the user device, an authentication request and information identifying a location of the monitoring device. The server device processes the session initiation request and the authentication request to authenticate a user of the user device, and determines, based on the location of the user device and the location of the monitoring device, that the user device and the monitoring device are collocated. The server device creates, after authenticating the user of the user device and determining that user device and the monitoring device are collocated, a session token, and sends the session token to the user device to enable the user device to access at least one resource of the server device.

Abstract: A device attempts to access a resource that requires a multi-factor authentication (MFA), and receives, from an MFA server device, a challenge form. The device performs natural language processing on the challenge form to determine a first location of an input for a security code and a second location of a verify button. The device provides, to an email server device, a request to access emails associated with a user of the device, and receives access to multiple emails associated with the user. The device processes the multiple emails to identify an MFA email in the multiple emails, and identifies a security code in the MFA email. The device provides the security code at the first location, and selects the verify button at the second location. The device provides the security code to the MFA server device, and receives information indicating whether the device is authenticated.

Abstract: In order to facilitate automatic message prioritization, systems and methods are described including a processor that receives electronic messages, where each electronic message is associated with a sender and a recipient.

Abstract: A controller of a transaction card may cause the transaction card to be in a first state. The transaction card may include a battery and at least one other component. In the first state, the battery does not provide power to the at least one other component of the transaction card. The transaction card may receive a signal from a near-field communication (NFC) device and may cause the transaction card to be in a second state based on receiving the signal. In the second state, the battery provides power to the at least one other component of the transaction card. The transaction card may perform a transaction based on the transaction card being in the second state.

Abstract: A device identifies one or more user interface elements, in a user interface, associated with a fixed positioning characteristic and not positioned within another user interface element with the fixed positioning characteristic. The device repositions the one or more user interface elements in the user interface to vacate space for a new user interface element based on a size of the new user interface element and forgo repositioning one or more other user interface elements in the user interface that do not have the fixed positioning characteristic or are positioned within another user interface element with the fixed positioning characteristic. The device inserts the new user interface element into the user interface in a portion of the user interface vacated in connection with repositioning the one or more user interface elements, and provides the user interface for display based on inserting the new user interface element into the user interface.

Abstract: A device may receive, from a client device of a customer, item data identifying a price of an item and customer data identifying the customer, where the item data may be received by a transaction card from a price tag of the item. The device may receive price data identifying prices associated with multiple items and other data identifying locations, availabilities, and terms of the multiple items, and may process the item data, the price data, and the other data, with a machine learning model, to identify an optimal price for the item. The device may provide, to the client device, data identifying the optimal price and data identifying a merchant associated with the optimal price, and may receive transaction data identifying the item, the optimal price, and the merchant when the customer purchases the item. The device may perform actions based on the transaction data.

Abstract: A device may receive an authorization request, associated with a transaction made by a user device as part of a checkout procedure of a website, that includes a virtual transaction card identifier of a virtual transaction card that is being used for the transaction, and a first merchant identifier for a merchant associated with the website. The device may perform a first authorization procedure to determine whether the first merchant identifier, included in the authorization request, satisfies a threshold level of similarity with a second merchant identifier associated with a request to generate the virtual transaction card that occurred prior to receiving the authorization request. The device may determine whether to forego a second authorization procedure based on a result of the first authorization procedure, and cause an authorization response, that includes an indication of whether the transaction is approved, to be provided to another device associated with the merchant.

Abstract: Systems and methods for secure browser session transfer are provided. The system may include memory and one or more processors coupled to the memory. The one or more processors may be configured to establish a connection with an active web session of a first browser. The one or more processors may be configured to transfer, based on the established connection, the active web session to a second browser so as to preserve a first set of objects of the active web session of the first browser. The one or more processors may be configured to receive one or more parameters as a first input in the active web session of the second browser. The one or more processors may be configured to execute a plurality of actions in the active web session of the second browser that are responsive to the receipt of the first input.

Abstract: In one aspect, the present disclosure relates to a method for reducing fraud in computer networks, the method including receiving, from each of a plurality of user devices, a request to block an ad displayed within a web browser installed on the user device, the request comprising image data and a forwarding URL associated with the ad; storing crowdsourced ad blocking data based on the received requests to block ads; receiving a request for a list of blocked ads; generating a list of blocked ads based on analyzing the crowdsourced ad blocking data, wherein analyzing the crowdsourced ad blocking data comprises identifying ads blocked by at least a threshold number of users; and sending the list of blocked ads to a first user device, the first user device comprising a browser extension configured to prevent ads within the list of blocked ads from being rendered in a browser.

Abstract: Systems, methods, and computer-readable storage media for inserting payment information into payment forms without user interaction. A system can identify that a user has navigated to a web page operated by a merchant computer system for a merchant and identify a payment form within the web page. The system can then execute a payment request API which generates a query for saved payment credentials for the user from the merchant computer system. When the merchant computer system indicates it does not have the saved payment credentials for the user, the system can identify browser-saved payment credentials stored in the Internet browser, then generate a virtual payment information associated with the browser-saved payment credentials. The virtual payment information can then be inserted into corresponding fields of the payment form without the user entering any additional information.

Abstract: A computer-implemented method of providing a notification to a user may include: obtaining a plurality of trigger conditions; monitoring a web session of the user to determine whether a trigger condition of the plurality of trigger conditions is satisfied; and in response to determining that the trigger condition is satisfied, executing a notification process, wherein the notification process includes: obtaining vendor information based on the trigger condition that is triggered, the vendor information including information associated with one or more vendors associated with the trigger condition that is triggered and/or alternative offer information associated with the one or more vendors; and causing display of a notification, the notification including information corresponding to the one or more vendors and/or the alternative offer information.

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.

Abstract: The present disclosure describes a smart card that determines a context associated with the smart card and displays information based on the determined context. The smart card may determine a location of the smart card. Based on the determined location, the smart card may retrieve a list of establishments. The list of establishments may be used to determine a context, for example, based on information related to the establishments, historical information, user information, etc. Once the context is determined, the smart card may select information to display on the smart card. By limiting the information displayed on the smart card, the smart card may limit what can be captured by bad actors, thereby improving the security of the smart cards.

Abstract: A controller of a transaction card may cause the transaction card to be in a first state. The transaction card may include a battery and at least one other component. In the first state, the battery does not provide power to the at least one other component of the transaction card. The transaction card may receive a signal from a near-field communication (NFC) device and may cause the transaction card to be in a second state based on receiving the signal. In the second state, the battery provides power to the at least one other component of the transaction card. The transaction card may perform a transaction based on the transaction card being in the second state.

Abstract: A device, that is part of a network of nodes that has access to a blockchain, may receive, from a user device associated with an entity, a request for campaign information for a campaign. The request may include data identifying campaign parameters. The device may interact with smart contracts associated with the blockchain to identify individuals to target for the campaign. The smart contracts may be configured to receive the campaign parameters as input and to output an indication of whether campaign preferences are compatible with the campaign parameters. The device may generate the campaign information to include information identifying the individuals targeted for the campaign and information identifying particular campaign preferences found to be compatible with particular campaign parameters. The device may provide the campaign information to the user device to permit the user device to use the campaign information to target the individuals for the campaign.

Abstract: A device may receive a command associated with identifying a merchant for a virtual card swap procedure wherein the virtual card swap procedure is to replace a credit card of a user with a virtual card corresponding to the credit card. The device may identify the merchant for the virtual card swap procedure based on the command. The device may obtain the virtual card for the user. The device may determine a virtual card swap procedure template for the merchant. The device may perform the virtual card swap procedure based on the virtual card swap procedure template.

Abstract: A device may receive, from a client device associated with a customer, an agreement of the customer to join a rewards program, and may receive, from the client device and based on the customer joining the rewards program, item data identifying an item placed in a shopping cart by the customer and customer data identifying the customer, wherein the item data is received by a transaction card from a price tag of the item, and wherein the item data is received after the item has been removed from a shelf and placed in the shopping cart. The device may receive rewards data identifying rewards associated with a plurality of items, and may process the item data, the rewards data, and the customer data, with a machine learning model, to identify a reward for the customer. The device may provide, to the client device, data identifying the reward.

Abstract: A device attempts to access a resource that requires a multi-factor authentication (MFA), and receives, from an MFA server device, a challenge form. The device performs natural language processing on the challenge form to determine a first location of an input for a security code and a second location of a verify button. The device provides, to an email server device, a request to access emails associated with a user of the device, and receives access to multiple emails associated with the user. The device processes the multiple emails to identify an MFA email in the multiple emails, and identifies a security code in the MFA email. The device provides the security code at the first location, and selects the verify button at the second location. The device provides the security code to the MFA server device, and receives information indicating whether the device is authenticated.

Abstract: Techniques to pre-authenticate an identity for an electronic account are described and claimed by the present disclosure. The electronic account may enforce a multi-factor authentication procedure that involves a number of steps. In addition to the electronic account, a user may have other accounts requiring authentications. Successful authentications with respect to those other accounts may provide evidence of the user's identity. If sufficient evidence is present, one or more steps of the multi-factor authentication procedure may be bypassed. Other embodiments are described and claimed.