Abstract: Described herein is a system for automatically capturing images. A device may execute an application on the device. In response to receiving a request for capturing an image of a document, the application may control the operation of the camera to contemporaneously and continuously capture image frames of an area within the field of view of a camera of the device. The field of view may include an object and in turn may be included in the captured image frames. The application may determine whether the aspect ratio and real-world size of the object in the captured image frames corresponds with a specified threshold size and aspect ratio which corresponds with a given document type. In response to determining the object corresponds to the given document type, the camera may automatically extract an image of the object.

Abstract: A device may capture a plurality of preview frames of a document, and for each preview frame of the plurality of preview frames, process the preview frame to identify an object in the preview frame. Processing the preview frame may include converting the preview frame into a grayscale image, generating a blurred image based on the grayscale image, detecting a plurality of edges in the blurred image, defining at least one bounding rectangle based on the plurality of edges, and determining an outline of the object based on the at least one bounding rectangle. The device may determine whether a value of an image parameter, associated with the one or more preview frames, satisfies a threshold, and provide feedback to a user of the device, or automatically capture an image of the document, based on determining whether the value of the image parameter satisfies the threshold.

Abstract: Embodiments disclosed are directed to a system that performs steps to perform enhanced device fingerprinting. The system at least at receives from an application, a plurality of device attributes identifying a client device on which the application is being used. The plurality of device attributes includes a push token provided by a push token service to the client device. The push token is uniquely paired to the client device. The system further transmits, to a device database, the plurality of device attributes for storage in a device profile. The system also transmits, to the application, a push notification based on the push token. The system receives, from the application, a deliverable status indicating whether the push notification was successfully transmitted to the client device, and transmits, to a notification database, the deliverable status for storage in a notification delivery profile. The system can use the information to authenticate a device.

Abstract: The method, system, and non-transitory computer-readable medium embodiments described herein are directed to verifying documents. In various embodiments, a server may receive a first image of a front-side of a document. The server may extract a first feature of the front-side of the document from the first image and identify a first environmental feature from the first image. The server may receive a second image of a backside of the document and identify a second feature of the backside of the document from the second image. The server may also identify a second environmental feature from the second image. The server may verify the document by confirming that the first feature matches the second feature and the first environmental feature matches the second environmental feature.

Abstract: In certain aspects, the disclosed implementations include methods and systems for dynamically generating and determining transaction affinity relationship information associated with a set of merchants involved in a set of transactions. In certain implementations, the transaction affinity relationship information may reflect affinity relationships between merchant chains in a merchant affinity network. The disclosed implementations may receive an adjustment to an affinity relationship associated with a merchant chain, and based on the adjustment, predicts one or more changes to affinity relationships associated with other merchant chains in the merchant affinity network.

Abstract: Disclosed herein are system, method, and computer program product embodiments for verifying a document. An embodiment operates by receiving an initial image of a document and identifying a first imperfection on a feature of the document. Thereafter, the feature of the initial image is segmented into a first and second partially overlapping segment corresponding to a first and second portion of the feature, respectively. Subsequently, the feature's first portion is determined to be free from the first imperfection, and the first imperfection is identified in the feature's second segment. After receiving a second image of the document including the feature's second portion, the feature's second portion in the second image is determined to be free from a second imperfection. As a result, an image of the feature is created based on the first and second portions of the feature derived from the initial and second images, respectively.

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: 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: The method, system, and non-transitory computer-readable medium embodiments described herein provide for identifying invalid identification documents. In various embodiments, an application executing on a user device prompts the user device to transmit an image of the identification document. The application receives an image including the identification document in response to the identification document being within a field of view of a camera of the user device. The identification document includes a plurality of visual elements, and one or more visual elements of the plurality of visual elements are one or more invalidating marks. The application detects a predetermined pattern on the identification document in the image, the predetermined pattern formed from the one or more invalidating marks. The application determines that the identification document is invalid based on the detected predetermined pattern.

Abstract: A user device may capture a plurality of preview images that each include image data. The user device may process, in substantially real-time, a preview image to identify an object in the preview image, including determining an outline of the object. The user device may create a mask that hides a portion of the image data associated with an area outside of the outline of the object in one or more of the preview images. Based on determining that a parameter associated with glare of the object in the preview images does not satisfy a threshold, the user device may provide, in substantially real-time, feedback to a user, including an instruction to the user to perform an action with respect to the user device or to the object, and, based on determining that the parameter satisfies the threshold, the user device may automatically capture an image of the object.

Abstract: Aspects disclosed are directed to a system and methods that device authentication. The system at least transmits a silent push notification to an application installed on a client device. The silent push notification includes a push token provided by a push service and an embedded secret. A response to the silent push notification can be received with a further embedded secret. The embedded secret and the further embedded secret can be compared to determine if they match. If the embedded secret and the further embedded secret match, the client device can be authenticated.

Abstract: In some implementations, a device may detect edges in an image, and may identify, based on the edges, a rectangle that bounds a document in the image. The device may detect lines in the image, and may identify edge candidate lines by discarding one or more of the lines. The device may identify intersection points where lines, included in the edge candidate lines, intersect with one another. The device may identify corner candidate points by discarding one or more points included in the intersection points, and may identify a corner point included in the corner candidate points. The corner point may be a point, included in the corner candidate points, that is closest to one corner of the bounding rectangle. The device may perform perspective correction on the image of the document based on identifying the corner point.

Abstract: Embodiments disclosed are directed to a computing system that performs steps for automatically capturing images. The computing system receives an automatic image capture control signal from an application installed on a device and captures, by a camera of the device during a predetermined time interval, preview frames of an object and a background. For each of the preview frames, the computing system identifies an outline of the object in the preview frame, removes the background of the preview frame based on the outline to generate a modified preview frame, and determines a focus value of the modified preview frame. Subsequently, the computing system determines whether a predetermined amount of focus values are greater than a threshold focus value corresponding to the device and, if so, automatically captures, via the camera, an image of the object.

Abstract: In certain aspects, the disclosed implementations include methods and systems for dynamically generating and providing transaction affinity recommendation data. In certain implementations, the transaction affinity recommendation data may include information that identifies a target merchant and associated merchant promotion data that may be generated based on a dynamic analysis of transaction data corresponding to an account record. The disclosed implementations may determine temporal relationships between pairs of sequential transactions corresponding to the account record, and based on such relationships, may identify pairs of transactions involving separate merchants. The disclosed implementations may determine affinity relationships associated with one or more pairs of the temporally related transactions and a target merchant, and based on such relationships, generate and provide the transaction affinity recommendation data.

Abstract: Systems and methods for enhanced OTP messaging, comprising: receiving a request from an application executing on a computing device of a user; generating the supplemental information based on the request; segmenting the supplemental information into a first part of the supplemental information and a second part of the supplemental information; transmitting the first part of the supplemental information to the computing device of the user via a first communication channel to another app executing on the computing device of the user; instructing the another app to allow the user to utilize one or more graphical user interface (GUI) elements of a GUI of the another app to transfer the first part of the supplemental information to the app; and transmitting the second part of the supplemental information to the computing device of the user via a second communication channel so as to provide the supplemental information to the app.

Abstract: Systems and methods for enhanced OTP messaging, comprising: receiving a request from an application executing on a computing device of a user; generating the supplemental information based on the request; segmenting the supplemental information into a first part of the supplemental information and a second part of the supplemental information; transmitting the first part of the supplemental information to the computing device of the user via a first communication channel to another app executing on the computing device of the user; instructing the another app to allow the user to utilize one or more graphical user interface (GUI) elements of a GUI of the another app to transfer the first part of the supplemental information to the app; and transmitting the second part of the supplemental information to the computing device of the user via a second communication channel so as to provide the supplemental information to the app.

Abstract: A device may capture a plurality of preview frames of a document, and for each preview frame of the plurality of preview frames, process the preview frame to identify an object in the preview frame. Processing the preview frame may include converting the preview frame into a grayscale image, generating a blurred image based on the grayscale image, detecting a plurality of edges in the blurred image, defining at least one bounding rectangle based on the plurality of edges, and determining an outline of the object based on the at least one bounding rectangle. The device may determine whether a value of an image parameter, associated with the one or more preview frames, satisfies a threshold, and provide feedback to a user of the device, or automatically capture an image of the document, based on determining whether the value of the image parameter satisfies the threshold.

Abstract: Embodiments disclosed are directed to a system that performs steps to perform enhanced device fingerprinting. The system at least at receives from an application, a plurality of device attributes identifying a client device on which the application is being used. The plurality of device attributes includes a push token provided by a push token service to the client device. The push token is uniquely paired to the client device. The system further transmits, to a device database, the plurality of device attributes for storage in a device profile. The system also transmits, to the application, a push notification based on the push token. The system receives, from the application, a deliverable status indicating whether the push notification was successfully transmitted to the client device, and transmits, to a notification database, the deliverable status for storage in a notification delivery profile. The system can use the information to authenticate a device.

Abstract: System, apparatus, device, method and/or computer program product are disclosed for detecting the authenticity of an image file transferred from a device to a server based on an image authenticity detection configuration determined by a server application. A device application is operated by a device, and a server application is operated by a server. The device application sends, to the server application, user data, device data, or environment data. The server application determines an image authenticity detection configuration to indicate one or more parameters to be used by the device to generate a first image file, and authorized changes to be made to the first image file to generate a second image file. The device application sends the second image file to the server application. The server application detects whether the received second image file contains changes matching authorized changes indicated by the image authenticity detection configuration.

Abstract: Systems and methods for enhanced OTP messaging, comprising: receiving a request from an application executing on a computing device of a user; generating the supplemental information based on the request; segmenting the supplemental information into a first part of the supplemental information and a second part of the supplemental information; transmitting the first part of the supplemental information to the computing device of the user via a first communication channel to another app executing on the computing device of the user; instructing the another app to allow the user to utilize one or more graphical user interface (GUI) elements of a GUI of the another app to transfer the first part of the supplemental information to the app; and transmitting the second part of the supplemental information to the computing device of the user via a second communication channel so as to provide the supplemental information to the app.