Abstract: Programmable cards, computer-readable media, and systems are disclosed for token payment. For example, a programmable card for token payment, according to some embodiments, may include an antenna and a contact interface. The card may be configured to store, in the rewritable memory, a token transmitted from a user device via a first near field communication (NFC) signal received by the antenna, and provide the stored token to a point of sales terminal via a second NFC signal transmitted by the antenna or via the contact interface.

Abstract: In some embodiments, the present disclosure provides an exemplary method that may include steps of receiving a permission indicator from a computing device of a user identifying a permission by the user to detect a plurality of interaction sessions; registering the computing device of the user as a token for subsequent authentication of the user; instructing the computing device to monitor a plurality of activities associated with the detected plurality of interaction sessions initiated; receiving an indication of a current interaction session being initiated at a current period of time to a particular data point stored with the prestored database of token data; dynamically determining a risk metric associated with the computing device; automatically authenticating the computing device associated with the user; transmitting the current interaction session to a queue; and automatically generating a script for the at least one agent.

Abstract: An automated method is provided for validating an action based on beacon source proximity to a user device. A user data processing device receives from a remote action validation server an action validation request. The request includes identification of an authentication device comprising a beacon transmitter and identification of a proposed action associated with the authentication device. The user data processing device determines whether the authentication device is within beacon signal reception range of the user data processing device and transmits an action validation response to the remote action validation processing system.

Abstract: In some implementations, a mobile device may receive, from a first sensor of the mobile device, measurements indicating a location of the mobile device. The mobile device may further receive, from a second sensor of the mobile device, measurements associated with a grip of the user on the mobile device. Accordingly, the mobile device may input indicators of the location and the grip to a model that outputs an indication associated with suspicious activity. The mobile device may present, while the user is viewing a screen associated with an application using the model, one or more prompts. The mobile device may therefore determine whether to allow the user to continue viewing the screen based on one or more responses to the one or more prompts.

Abstract: Aspects described herein may provide detection of a physical characteristic of a credential, thereby allowing for authentication of the credential. According to some aspects, these and other benefits may be achieved by detecting the physical characteristic with the credential. An image of a credential may be received. An optical characteristic of a secure feature of the credential may be determined. An expected optical characteristic of the secure feature may be determined based on known properties of the secure feature. A determination as to whether the credential is authentic may be based on a comparison of the determined optical characteristic of the secure feature to the expected optical characteristic of the secure feature.

Abstract: Systems, methods, and computer-accessible mediums for user verification through the interaction of a short-range transceiver, such as a contactless card, with a client device are presented. User verification may be provided in the context of reading two types of data from the short-range transceiver, such as a contactless card, using a client device, sending the data to a server, obtaining identifiers from each data type and comparing with stored user identifier data. Matching stored user identifier data to two forms of identification data obtained from a short-range transceiver, such as a contactless card, provides an enhanced ability to verify that the short-range transceiver is being used by an authorized user.

Abstract: An automated method is provided for validating an action based on beacon source proximity to a user device. A user data processing device receives from a remote action validation server an action validation request. The request includes identification of an authentication device that may include a beacon transmitter and identification of a proposed action associated with the authentication device. The user data processing device determines whether the authentication device is within beacon signal reception range of the user data processing device and transmits an action validation response to the remote action validation processing system.

Abstract: A method performed by a user device may include obtaining biometric information relating to a user of the user device using a biometric sensor of the user device; determining that the biometric information is valid; generating a biometric indicator indicating that the biometric information is valid; providing a request for a callback from an entity, wherein the request includes the biometric information indicating that the biometric information is valid; and receiving the callback from the entity, wherein the callback is received based on the biometric information indicating that the biometric information is valid, and wherein the callback is associated with an entity identifier that is not provided to the user.

Abstract: Aspects described herein may provide detection of a physical characteristic of a credential, thereby allowing for authentication of the credential. According to some aspects, these and other benefits may be achieved by detecting the physical characteristic with the credential. An image of a credential may be received. An optical characteristic of a secure feature of the credential may be determined. An expected optical characteristic of the secure feature may be determined based on known properties of the secure feature. A determination as to whether the credential is authentic may be based on a comparison of the determined optical characteristic of the secure feature to the expected optical characteristic of the secure feature.

Abstract: A raised foundation system for supporting a prefabricated real property structure having a downwardly facing mounting structure. The system includes a slab having footers; for each footer, a column attached thereto; a plurality of elongated main braces attached to the columns; a plurality of elongated lateral braces attached to the main braces; and at least one auxiliary brace attached to a lateral brace and to either another lateral brace or a main brace. At least two of the main braces extend along a plane or another plane. The main and lateral braces form an upwardly facing mounting structure configured to attach to the downwardly facing mounting structure.

Abstract: A first user device may receive, from a second user device, a request to communicatively couple to the first user device, and may establish a communication session with the second user device after receiving the request. The first user device may identify, after establishing the communication session, an inappropriate activity of the second user device relating to the communication session, and perform a set of actions based on identifying the inappropriate activity. The set of actions may include causing the communication session to be restricted, and providing, to a trust platform, a score for the second user device. The score may permit the trust platform to derive a composite score, indicative of a level of trustworthiness of the second user device, that enables other user devices, associated with the trust platform, to determine whether to grant access requests submitted by the second user device.

Abstract: Methods and systems are disclosed for payment authentication. For example, a method may include: the method comprising: storing a first device fingerprint in association with a token representing a primary account number, the first device fingerprint being derived from a device attribute of a user device and behavioral biometric data derived from a behavioral pattern of a user in using the user device; receiving an authentication request indicative of the token and a second device fingerprint generated by a customer device associated with a customer of a merchant, the authentication request being associated with a transaction between the merchant and a customer using the token; identifying the stored first device fingerprint based on the token indicated by the authentication request; and determining whether the second device fingerprint matches the stored first device fingerprint.

Abstract: UV sterilization systems for vehicle air conditioning systems, water filtration, and commercial dishwasher and cutting board sterilization are described.

Abstract: In some embodiments, the present disclosure provides an exemplary method that may include steps of receiving a permission indicator from a computing device of a user identifying a permission by the user to detect a plurality of interaction sessions; registering the computing device of the user as a token for subsequent authentication of the user; instructing the computing device to monitor a plurality of activities associated with the detected plurality of interaction sessions initiated; receiving an indication of a current interaction session being initiated at a current period of time to a particular data point stored with the prestored database of token data; dynamically determining a risk metric associated with the computing device; automatically authenticating the computing device associated with the user; transmitting the current interaction session to a queue; and automatically generating a script for the at least one agent.

Abstract: A raised foundation system for supporting a prefabricated real property structure having a downwardly facing mounting structure. The system includes a slab having footers; for each footer, a column attached thereto; a plurality of elongated main braces attached to the columns; and a plurality of elongated lateral braces attached to the main braces. At least two of the main braces extend along a plane, and each lateral brace extends the plane or another plane parallel to the plane. The main and lateral braces form an upwardly facing mounting structure configured to attach to the downwardly facing mounting structure.

Abstract: Methods and systems are described herein for enabling users to access user data of other users using cryptographic tokens. A data access system may be used to enable access. The system may receive a blockchain operation request for enabling access to first user data associated with a first user. The system may generate a cryptographic token and an access entry. When the system receives a second blockchain operation request for accessing the first user data, the system may determine one or more parameters for accessing the first user data. In response to verifying the one or more parameters, the data access system may enable access to the first user data.

Abstract: Systems, methods, and computer-accessible mediums for user verification through the interaction of a short-range transceiver, such as a contactless card, with a client device are presented. User verification may be provided in the context of reading two types of data from the short-range transceiver, such as a contactless card, using a client device, sending the data to a server, obtaining identifiers from each data type and comparing with stored user identifier data. Matching stored user identifier data to two forms of identification data obtained from a short-range transceiver, such as a contactless card, provides an enhanced ability to verify that the short-range transceiver is being used by an authorized user.

Abstract: In some embodiments, the present disclosure provides an exemplary method that may include steps instructing a permission from the user to monitor a plurality of activities; instructing the mobile device to continually monitor the plurality of activities; identifying a digital fingerprint associated with the mobile device; automatically instructing an application of the mobile device to execute a plurality of operations in the background of the mobile device; utilizing a digital network to transmit a digital signal encoding the plurality of device attributes; utilizing a dynamic rules engine to determine a presence of the digital fingerprint within a database of known digital fingerprints; identifying an incoming interaction session being initiated with the mobile device within the period of time; automatically authenticating a parameter to identify an authenticated interaction session; and dynamically reducing subsequent authentication steps required for the mobile device to execute a activity.

Abstract: In some embodiments, storing mutable user data in a Non-Fungible Token (NFT) may be facilitated. In some embodiments, user specific information for a user may be received. The user specific information may comprise data for a plurality of data fields. A status parameter for each data field of the plurality of data fields may be generated, where the status parameter is related to the accuracy of data for a respective data field. The system may generate, via a blockchain platform service, an NFT comprising the plurality of data fields and the status parameters. The system may then determine whether data associated with a first data field is (i) current based on a first status parameter and (ii) mutable. In response to determining that the data associated with the first data field is (i) not current and (ii) mutable, a first action may be performed.

Abstract: Methods and systems are disclosed for payment authentication. For example, a method may include: the method comprising: storing a first device fingerprint in association with a token representing a primary account number, the first device fingerprint being derived from a device attribute of a user device and behavioral biometric data derived from a behavioral pattern of a user in using the user device; receiving an authentication request indicative of the token and a second device fingerprint generated by a customer device associated with a customer of a merchant, the authentication request being associated with a transaction between the merchant and a customer using the token; identifying the stored first device fingerprint based on the token indicated by the authentication request; and determining whether the second device fingerprint matches the stored first device fingerprint.