Abstract: A method for categorization may initiate a local instance of a widget on a device of a user, the widget including a first model. The method for categorization may include retrieving, by the widget, a first data set from the device of the user, the first data set associated with one or more datum of an active user session. The method for categorization may include scoring, by the model, a first item based at least in part on the first data set. The method for categorization may include labeling the first item based on a result of the scoring. The method for categorization may include sending, by the widget, a result of the labeling to a remote server.

Abstract: A method and related system for generating new rules and patterns to detect identifiers includes operations to obtain a first set of messages comprising a set of identifiers and determining a labeled set of messages associated with a target identifier of the set of identifiers based on detected matches between the target identifier and text extracted from the first set of messages with a first construct. The method further includes determining a characterizing value based on the labeled set of messages and determining whether the set of characterizing values satisfies a set of criteria. The operations further include performing a search for the target identifier in a database of messages to retrieve a set of matching messages based on a result indicating that the set of characterizing values satisfies the set of criteria. The operations further include generating a second construct based on the set of matching messages.

Abstract: A system may receive, via a web browser plugin on a user device, a first timestamp associated with first click data at a website associated with a merchant, a referring uniform resource location (URL), a current URL, and first user identification data. The system may also receive transaction data including a second timestamp, second user identification data, and a first merchant name associated with a transaction with the merchant. The system may determine whether the first timestamp is within a predetermined period of the second timestamp and determine whether the first user identification data corresponds with the second user identification data. When the system determines that the first timestamp is within the predetermined period of the second timestamp and the first user identification data corresponds with the second user identification data, the system may store the referring URL and the current URL with the first merchant name in a database.

Abstract: Methods, systems, and apparatuses are described herein for generating and managing virtual transaction cards based on mobile device location so as to provide transaction security during in-person transactions. A geographic location of a mobile device may be determined, a proximate merchant may be selected, and a virtual transaction card may be generated for that particular merchant. Data corresponding to that virtual transaction card may be deployed into a digital wallet device for use during transactions with point-of-sale devices. Use of the digital wallet device may be conditioned on geographic location, time, an unlock command from a mobile device, or the like. By providing such dynamically-generated and limited virtual transaction cards for in-person transactions, the threat of security vulnerabilities relating to point-of-sale systems may be mitigated.

Abstract: Methods and systems describe linking mobile applications to website providers using an intermediary database that is populated based on mobile application metadata in order to provide secure communication of user data encrypted specifically for given website providers. The methods and systems accomplish this by receiving, at an intermediary database, a first communication from a background application implemented on a mobile device, wherein the first communication comprises a first access point address and is generated based on a request, by a first access point, for first user information for use by a first provider, wherein the first provider provides the first access point. However, as opposed to simply generating a random alternative content for the first communication, the system performs an additional step to ensure that the alternative content is specific to the provider and may be used across all access points for the provider.

Abstract: A system may receive a first timestamp associated with first click data at a first website associated with a first merchant, a first referring URL, and a first checkout URL, responsive to the user device navigating to the first checkout URL via the first referring URL, determine whether the first referring URL and the first checkout URL have first domains that respectively match previous domains of a previous referring URL and a previous checkout URL beyond a predetermined matching threshold, and based on the first referring URL and the first checkout URL having the first domains that respectively match the previous domains of the previous referring URL and the previous checkout URL beyond the predetermined matching threshold, cause the web browser plugin of the user device to display, in a dynamic GUI, a first virtual card number associated with the previous domains to complete a first transaction.

Abstract: In some embodiments, Uniform Resource Locator (URL) parameters may be used to bind access tokens to authorize web-browser-initiated network operations. In some embodiments, a user input at a data exchange gateway associated with a first website to perform a first network operation (e.g., a request to access resources associated with the first website) may be detected. In response to the detected user input, an access token may be generated based on user specific information associated with the user, where the access token is associated with one or more network operation parameters. In response to a use of the access token for authorizing the first network operation and successful authorization of the first network operation, the access token may be configured to be bound to a first URL identifier parameter associated with the first website.

Abstract: Systems and methods include secure virtual certification number (VCN) use, and include receiving a VCN generation request comprising a primary account number (PAN) and a location identifier, generating a VCN based on the PAN, the VCN being associated with a geographical location corresponding to the location identifier, receiving a VCN use request from an external entity, the VCN use request comprising the VCN, receiving a use location data associated with the VCN use request, comparing the use location data to the geographical location associated with the VCN, and providing one of a VCN use authorization or a VCN use denial based on comparing the use location data to the geographical location.

Abstract: In certain embodiments, location-based activation of card identifiers may be facilitated. In some embodiments, an electrophoretic display card may store a set of location-specific card identifiers, where each card identifier of the set is associated with (i) an account of a user and (ii) creation location information indicating a device location of the user at a creation time of the card identifier. In response to being powered by a user device, the card may initiate wireless communication with the user device. The card may determine a device location of the user device, select a card identifier from the set of card identifiers that matches the device location, and switch a state of the card identifier to an active state to enable transaction processing for the card identifier. In some embodiments, the card may cause the active card identifier to be presented on an electrophoretic display of the card.

Abstract: Systems and methods for adaptive token verification are disclosed. For example, a system may include at least one memory storing instructions and one or more processors configured to execute the instructions to perform operations. The operations may include training a verification model to verify tokenized requests based on system identifiers. The operations may include receiving a tokenized request from an external system, the request comprising a system identifier of the external system. The operations may include generating output of the verification model based on the system identifier, and, based on the output, performing one of granting the request or blocking the request.

Abstract: In some embodiments, Uniform Resource Locator (URL) parameters may be used to bind access tokens to authorize web-browser-initiated network operations. In some embodiments, a user input at a data exchange gateway associated with a first website to perform a first network operation (e.g., a request to access resources associated with the first website) may be detected. In response to the detected user input, an access token may be generated based on user specific information associated with the user, where the access token is associated with one or more network operation parameters. In response to a use of the access token for authorizing the first network operation and successful authorization of the first network operation, the access token may be configured to be bound to a first URL identifier parameter associated with the first website.

Abstract: In some implementations, an automated information transfer system may receive an indication of a location of the user device. The automated information transfer system may identify an interacting entity associated with the automated information transfer that is associated with a physical location that is within a threshold proximity of the location of the user device. The automated information transfer system may receive item-specific data associated with the automated information transfer. The automated information transfer system may identify one or more interaction terminals at the physical location associated with the interacting entity. The automated information transfer system may receive authorization information associated with the automated information transfer.

Abstract: In certain embodiments, location-based activation of card identifiers may be facilitated. In some embodiments, an electrophoretic display card may store a set of location-specific card identifiers, where each card identifier of the set is associated with (i) an account of a user and (ii) creation location information indicating a device location of the user at a creation time of the card identifier. In response to being powered by a user device, the card may initiate wireless communication with the user device. The card may determine a device location of the user device, select a card identifier from the set of card identifiers that matches the device location, and switch a state of the card identifier to an active state to enable transaction processing for the card identifier. In some embodiments, the card may cause the active card identifier to be presented on an electrophoretic display of the card.

Abstract: Disclosed herein are systems and methods for a system for authorizing proxy number token requests. The system may comprise a memory storing instructions and at least one processor configured to execute instructions to perform operations. These operations may comprise receiving a first request to use a proxy number token to complete a first action associated with a first entity; authorizing the first request; receiving a second request to use the proxy number token to complete a second action associated with a second entity; determining a modifiable relationship data binding associated with the first and second entities, the modifiable relationship data binding comprising multiple parameters; determining that the second request satisfies the parameters; and authorizing the second request based on a determination that the second request satisfies the parameters.

Abstract: Methods and systems are described herein for adapting legacy infrastructure to account for cybersecurity, privacy, and digital integrity issues plaguing electronic communications. In particular, the methods and systems overcome these issues by generate alternative content that is specific to specific destinations/recipients of electronic communications, as well as unique between each different destination/recipient. This unique alternative content may then be used for each access point (e.g., website, mobile application, etc.) linked to the same destination/recipient (e.g., website and/or mobile application provider).

Abstract: The disclosed embodiments provide systems and methods for providing real-time warnings to merchants for data breaches. For example, the system may include one or more memory devices storing instructions and one or more processors configured to perform operations consistent with this disclosure. The operations may include collecting and storing transaction authorization requests from one or more merchants. The transaction authorization requests may include a virtual account number associated with an account, the virtual account number being previously bound to a merchant and reusable only for the bound merchant. The operations may further include detecting an event at the bound merchant based on, for example, a transaction authorization request having a mismatch between a transacting merchant and the bound merchant. The operations my further include communicating notification of the event through a communication interface with the bound merchant.

Abstract: Systems, methods, and apparatuses for automatically detecting and authorizing recurring transactions are described. Transaction data comprising transaction details for an incoming charge associated with a merchant may be received. Based on the merchant being included in a blocked merchants list, determining that authorization of incoming charges for preauthorized recurring transactions associated with the merchant are blocked. Based on a machine learning model and the transaction data, a probability that the incoming charge for the merchant is a preauthorized recurring transaction may be determined. The machine learning model may be configured to identify preauthorized recurring transactions based on the transaction data. Furthermore, based on the probability not exceeding a threshold probability, the authorization of the incoming charge may be prevented from being blocked.

Abstract: Methods, systems, and apparatuses are described herein for generating and managing virtual transaction cards based on mobile device location so as to provide transaction security during in-person transactions. A geographic location of a mobile device may be determined, a proximate merchant may be selected, and a virtual transaction card may be generated for that particular merchant. Data corresponding to that virtual transaction card may be deployed into a digital wallet device for use during transactions with point-of-sale devices. Use of the digital wallet device may be conditioned on geographic location, time, an unlock command from a mobile device, or the like. By providing such dynamically-generated and limited virtual transaction cards for in-person transactions, the threat of security vulnerabilities relating to point-of-sale systems may be mitigated.

Abstract: Disclosed herein are systems and methods for a system for authorizing proxy number token requests. The system may comprise a memory storing instructions and at least one processor configured to execute instructions to perform operations. These operations may comprise receiving a first request to use a proxy number token to complete a first action associated with a first entity; authorizing the first request; receiving a second request to use the proxy number token to complete a second action associated with a second entity; determining a modifiable relationship data binding associated with the first and second entities, the modifiable relationship data binding comprising multiple parameters; determining that the second request satisfies the parameters; and authorizing the second request based on a determination that the second request satisfies the parameters.

Abstract: A system may receive, via a web browser plugin on a user device, a first timestamp associated with first click data at a website associated with a merchant, a referring uniform resource location (URL), a current URL, and first user identification data. The system may also receive transaction data including a second timestamp, second user identification data, and a first merchant name associated with a transaction with the merchant. The system may determine whether the first timestamp is within a predetermined period of the second timestamp and determine whether the first user identification data corresponds with the second user identification data. When the system determines that the first timestamp is within the predetermined period of the second timestamp and the first user identification data corresponds with the second user identification data, the system may store the referring URL and the current URL with the first merchant name in a database.