Abstract: Systems, methods, and apparatuses are described herein for performing sentiment analysis on electronic communications relating to one or more image-based communications methods, such as emoji. Message data may be received. The message data may correspond to a message that is intended to be sent but has not yet been sent to an application. Using a first machine learning model, one or more subsets of the plurality of emoji may be determined. The one or more subsets of the plurality of emoji may comprise one or more different types and quantities of emoji, and may each correspond to the same or a different sentiment. Using a second machine learning model, one or more emojis may be selected from the one or more subsets. The one or more emojis selected may correspond to responses to the message.

Abstract: Transaction cards, systems and methods involving an on-card display and an associated mobile computing device utilized for authenticating transactions are disclosed. In one embodiment, an exemplary transaction card may comprise transaction circuitry configured to conduct purchase transactions involving a mobile computing device coupled to or associated with the transaction card, communication circuitry configured to communicate with a provider of the transaction card, an e-ink display configured to display a QR code on the transaction card for use in authentication, data storage configured to store the QR code, and computer readable media having instructions for initiating a second-factor authentication process and displaying the QR code on the e-ink display to be captured by the mobile computing device and transmitted to a system or server for validating the second-factor authentication process.

Abstract: Systems as described herein may include predicting item level data based on merchant advertisement information. A transaction pattern may be detected. The merchant advertisement information may be retrieved and parsed to generate a price list. A number of transactions that each shares a common payment amount may be determined and the number may reach a threshold value. Items from the price list may be matched with the common payment amount. The transaction records may be updated to indicate likely item level transaction information. In a variety of embodiments, the likely transaction information may be presented to a user.

Abstract: Systems and methods associated with sharing encrypted account details with a trusted party are disclosed. In one embodiment, an exemplary method may comprise hosting an online service accessed by a plurality of user accounts each configured for concurrent access sessions, establishing a first authenticated access session for a first user account between the online service and a first device associated with a first user, receiving a login request associated with the first user account to establish a second authenticated access session between the online service and a second device associated with a second user, transmitting, to the first device, a notification of the login request including a GUI element and a request to authenticate the login request, and establishing the second authenticated access session between the online service and the second device of the second user based on authentication of the second user via the GUI element.

Abstract: A system includes an application programming interface, a database, and a server. The application programming interface can make recommendations to a user at a point of sale to display a recommended payment method from a set of payment methods associated with the user. The database can store past transactions for each payment method in the set of payment methods. The server can generate payment analytics by analyzing the past transactions in the database for each payment method. The server can determine potential benefits available to the user. The server can determine the recommended payment method by using the payment analytics and maximizing the potential benefits available to the user.

Abstract: Systems, methods, and apparatuses are described herein for performing sentiment analysis on electronic communications relating to one or more image-based communications methods, such as emoji. Message data may be received. The message data may correspond to a message that is intended to be sent but has not yet been sent to an application. Using a first machine learning model, one or more subsets of the plurality of emoji may be determined. The one or more subsets of the plurality of emoji may comprise one or more different types and quantities of emoji, and may each correspond to the same or a different sentiment. Using a second machine learning model, one or more emojis may be selected from the one or more subsets. The one or more emojis selected may correspond to responses to the message.

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: A computing system determines that a third party system has been exposed to a digital security violation. The computing system identifies a first user account of a user registered with the computing system that has a corresponding account associated with the third party system. The computing system determines that the first user account has stored a first set of user credentials for the corresponding account associated with the third party system at a storage location accessible by the computing system. The computing system launches a series of web browsers configured to access a first website associated with the third party system. The computing system executes, via a first web browser of the series of web browsers, a first automated script specific to the first website associated with the third party system. The computing system performs at least one of a plurality of remedial operations with respect to the corresponding account.

Abstract: Systems as described herein may include predicting item level data based on merchant advertisement information. A transaction pattern may be detected. The merchant advertisement information may be retrieved and parsed to generate a price list. A number of transactions that each shares a common payment amount may be determined and the number may reach a threshold value. Items from the price list may be matched with the common payment amount. The transaction records may be updated to indicate likely item level transaction information. In a variety of embodiments, the likely transaction information may be presented to a user.

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 computer-implemented method for providing an estimated utility expenditure to a user may include: obtaining, via one or more processors, historical transactional data of one or more customers other than the user from one or more transactional entities, wherein the historical transactional data includes: at least one address of a given customer of the one or more customers; and a historical utility expenditure associated with the at least one address; generating, via the one or more processors, a heatmap based on the historical transactional data of the one or more customers via one or more algorithms, wherein the heatmap is indicative of at least the estimated utility expenditure associated with the at least one address during a predetermined period; and causing a display of a user device associated with the user to demonstrate the heatmap.

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: A computing system determines that a third party system has been exposed to a digital security violation. The computing system identifies a first user account of a user registered with the computing system that has a corresponding account associated with the third party system. The computing system determines that the first user account has stored a first set of user credentials for the corresponding account associated with the third party system at a storage location accessible by the computing system. The computing system launches a series of web browsers configured to access a first website associated with the third party system. The computing system executes, via a first web browser of the series of web browsers, a first automated script specific to the first website associated with the third party system. The computing system performs at least one of a plurality of remedial operations with respect to the corresponding account.

Abstract: Systems, methods, and apparatuses are described herein for performing sentiment analysis on electronic communications relating to one or more image-based communications methods, such as emoji. Message data may be received. The message data may correspond to a message that is intended to be sent but has not yet been sent to an application. Using a first machine learning model, one or more subsets of the plurality of emoji may be determined. The one or more subsets of the plurality of emoji may comprise one or more different types and quantities of emoji, and may each correspond to the same or a different sentiment. Using a second machine learning model, one or more emojis may be selected from the one or more subsets. The one or more emojis selected may correspond to responses to the message.

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 system includes an application programming interface, a database, and a server. The application programming interface can make recommendations to a user at a point of sale to display a recommended payment method from a set of payment methods associated with the user. The database can store past transactions for each payment method in the set of payment methods. The server can generate payment analytics by analyzing the past transactions in the database for each payment method. The server can determine potential benefits available to the user. The server can determine the recommended payment method by using the payment analytics and maximizing the potential benefits available to the user.

Abstract: In order to facilitate electronic meeting scheduling and coordination, systems and methods are disclosed including receiving, by a processor, a plurality of electronic meeting requests to schedule a meeting. The processor determines, for each electronic meeting request, meeting room needs. A meeting scheduling machine learning model is utilized to predict parameters of meeting room objects representing the candidate meeting rooms based at least in part on the meeting room needs, schedule information associated with a respective electronic meeting request and location information associated with the respective electronic meeting request. The processor causes an indication of the candidate meeting rooms to display in response to the electronic meeting request on a screen of computing devices associated with the respective attendees based at least in part on the predicted parameters.

Abstract: Systems and methods for secure access are provided. The secure access system includes a contactless card, a user device, a processor, and a storage device. The processor receives a first authentication request from the user device. Then, the processor transmits a first authentication credential associated with user login data to the user device. Next, the processor receives a second authentication request from the user device. Upon receipt of the second authentication request, the processor transmits a second authentication credential associated with a contactless card to the user device. Then, the processor receives a first code from the user device, and the storage device performs one or more access actions based on the first code.

Abstract: Various embodiments are generally directed to improving card security by providing a user a contactless card with no sensitive card information, such as card number, card verification value, and expiration date, printed thereon, and displaying the sensitive card information relative to the card in augmented reality (AR) based on successful NFC-based user authentication. According to examples, the NFC-based user authentication may be performed by one-tapping or single tapping the contactless card to user mobile device. One or more portions of the sensitive card information may be obfuscated to further enhance card security. Moreover, the user can interact with AR elements including the sensitive card information to perform various actions.

Abstract: A computer-implemented method for providing an estimated utility expenditure to a user may include: obtaining, via one or more processors, historical transactional data of one or more customers other than the user from one or more transactional entities, wherein the historical transactional data includes: at least one address of a given customer of the one or more customers; and a historical utility expenditure associated with the at least one address; generating, via the one or more processors, a heatmap based on the historical transactional data of the one or more customers via one or more algorithms, wherein the heatmap is indicative of at least the estimated utility expenditure associated with the at least one address during a predetermined period; and causing a display of a user device associated with the user to demonstrate the heatmap.