Abstract: Systems and methods for automated geolocation tagging for location coordinates in customer profiles are disclosed. A method may include: (1) receiving, at a safe space computer program and from a customer electronic device associated with a customer, safe space locations, wherein the safe space locations require a lower level of customer authentication than other locations; (2) receiving, by the safe space computer program and from the customer electronic device, a transaction; (3) determining, by the safe space computer program, the customer electronic device is in one of the safe space locations; and (4) authorizing, by the safe space computer program, the transaction with the lower level of customer authentication.

Abstract: A method for dynamic risk-assessed serialization of user challenges may include a computer program: receiving, from a requesting system, a challenge request for a user action; identifying a first challenge type to present based on the user action; presenting a first challenge for the first challenge type to a user electronic device; receiving, from the user electronic device, a response to the first challenge; verifying the response to the first challenge; determining that a second challenge is necessary based on the response to the first challenge; identifying a second challenge type to present based on the response to the first challenge; presenting a second challenge for the second challenge type to the user electronic device; receiving, from the user electronic device, a response to the second challenge; verifying the response to the second challenge; and returning, to the requesting system, a notification that the challenge request was successful.

Abstract: Systems and methods for using limited use tokens based on resource specific rules are disclosed. According to one embodiment, a method for minting limited use tokens may include: (1) receiving, at a token minting computer program and from a customer, a request to generate a limited use token for a third-party provider; (2) identifying, by the token minting computer program, use restrictions and/or limits on the limited use token using a trained machine learning engine, wherein the trained machine learning engine is trained with historical data; (3) minting, by the token minting computer program, the limited use token; (4) associating, by the token minting computer program, the use restrictions and/or limits with the limited use token and storing the association in a database; and (5) sending, by the token minting computer program, the limited use token to the third-party provider.

Abstract: Systems and methods for enhancing digital wallet security are disclosed. In one embodiment, a method may include a service provider computer program: (1) receiving a request from a computer program executed by a user electronic device for user authentication with a product identifier for a product; (2) generating a verification code; (3) communicating the product identifier and the verification code to a verification computer program, wherein the verification computer program is configured to retrieve user contact information for a user associated with the product identifier and communicate the verification code to the user electronic device; (4) receiving, by the service provider computer program, a received verification code from the computer program, wherein the received verification code was received at the user electronic device; and (5) communicating authorization for an action involving the product to the computer program in response to the received verification code matching the verification code.

Abstract: A method and a computing apparatus for authenticating an identification to prevent fraud are provided. The method includes: receiving a request for an interaction from a user; displaying a user interface that includes options for proving an identity of the user; receiving, from the user via the user interface, a selection of one of the options; accessing, from a card or a smart phone of the user, first information that corresponds to the selected option; retrieving, from an external database, second information that independently corresponds to the selected option; comparing the accessed first information with the retrieved second information; and determining whether to authenticate the identity of the user based on a result of the comparison.

Abstract: A method for merchant authorization and transaction notification may include: receiving, financial institution computer program for a financial institution and from a merchant system, a transaction involving a customer of the financial institution; authorizing, by the financial institution computer program, the transaction; communicating, by the financial institution computer program, a notification to a messaging address associated with the customer, transaction information and an option to report the transaction as unauthorized; receiving, by the financial institution computer program and from an electronic device associated with the customer, a report that the transaction was unauthorized; notifying, by the financial institution computer program, the merchant system that the transaction was unauthorized, wherein the merchant system is configured to cancel the transaction; and executing, by the financial institution computer program, a fraud prevention action with a financial instrument used to conduct the

Abstract: Systems and methods for gamification-based engagement are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for gamification-based engagement, may include: (1) receiving, from a plurality of data sources, customer activity data comprising customer behavioral data and customer transactional data for a plurality of customers; (2) generating a dynamic customer profile for each of the customers based on the customer activity data and the customer transactional data; (3) retrieving challenge data for a challenge comprising an identification of a plurality of tasks to be completed, an order in which the tasks are to be completed, and an incentive for completing the tasks; (4) dynamically matching one of the customers to the challenge; (5) issuing the challenge to the customer; (6) tracking the customer's response to the challenge; and (7) updating the customer's dynamic customer profile based on the customer's response.

Abstract: Systems and methods for dynamic rule generation for filtering context-based system, transactional, and behavioral data are disclosed. According to one embodiment, a method for dynamic rule generation for filtering context-based system, transactional, and behavioral data may include: (1) receiving a plurality of tasks, each task based on at least one event type; (2) generating a rule for each of the tasks, wherein the rule specifies one or more conditions based on at least one of an attribute or data field in the event type for the task; (3) identifying a plurality of customers to target for the task based on a customer profile context for each customer; (4) enriching the rule and condition with the customer profile; and (5) publishing the rules and condition to a data lake associated with the event type for the task.

Abstract: Systems and methods for gamification-based engagement are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for gamification-based engagement, may include: (1) receiving, from a plurality of data sources, customer activity data comprising customer behavioral data and customer transactional data for a plurality of customers; (2) generating a dynamic customer profile for each of the customers based on the customer activity data and the customer transactional data; (3) retrieving challenge data for a challenge comprising an identification of a plurality of tasks to be completed, an order in which the tasks are to be completed, and an incentive for completing the tasks; (4) dynamically matching one of the customers to the challenge; (5) issuing the challenge to the customer; (6) tracking the customer's response to the challenge; and (7) updating the customer's dynamic customer profile based on the customer's response.

Abstract: A mobile device user interface typically presents a static home screen that allows a user to initiate applications so that they may view and consume content. The present disclosure provides systems and methods for providing content as well as contextual functionality more fluidly on mobile devices. A live wallpaper may be instantiated on mobile devices such that a background layer presented as part of a home screen is closely coupled to associated applications. Both the background layer and the associated applications may provide content and contextual functionality based on data and metadata received from servers external to the mobile devices, leading to a highly dynamic and engaging experience.