Abstract: The present disclosure provides techniques for recommending vendors using machine learning models. One example method includes generating a set of features based on a sequence of recurring transactions associated with a user, a payee, and a transaction amount, predicting simultaneously, using a machine learning model based on the set of features, that the sequence of recurring transactions will continue with a subsequent transaction and a time window within which the subsequent transaction of the sequence will occur, receiving electronic transaction data indicative of a transaction associated with the user, the payee, and the transaction amount, indicating that the transaction is the subsequent transaction in the sequence of recurring transactions based on the transaction and the prediction, and automatically creating one or more future recurring transactions based on the indication.

Abstract: A method may include extracting, from a transaction, a routing transit number (RTN) and an account number, embedding the RTN to obtain an RTN vector, embedding the account number to obtain an account number matrix, combining, using a trained machine learning model, the RTN vector and the account number matrix to obtain a combined matrix, and classifying the account number as invalid. The classifying may include applying the trained machine learning model to the combined matrix.

Abstract: Certain embodiments of the present disclosure provide techniques for identifying and blocking anomalous transactions within a computing system. An example method generally includes selecting a set of accounts for analysis. For each respective account, an anomaly score is calculated based on an account number associated with the respective account and transaction amounts associated with the respective account. An aggregated anomaly score is generated for each respective account provider of a plurality of account providers based on the anomaly score associated with each respective account. The aggregated anomaly score for each respective account provider is normalized based on a historical minimum and historical maximum anomaly score for the respective account provider. One or more account providers that are potential targets of anomalous activity are identified.

Abstract: A method including training, using training data including a first ontological hierarchical level, trained machine learning models (MLMs) to predict a first output type including a second ontological hierarchical level different than the first ontological hierarchical level. The method also includes generating instances of the first output type by executing the trained MLMs on unknown data including the first ontological hierarchical level. Outputs of the trained MLMs include the instances at the second ontological hierarchical level. The method also includes training, using the instances, a voting classifier MLM to predict a selected instance from the instances. The voting classifier MLM is trained to predict the selected instance to satisfy a criterion including a third ontological hierarchical level different than the first ontological hierarchal level and the second ontological hierarchical level.

Abstract: Systems and methods of optimizing cash flow are disclosed. A system obtains bill information regarding a plurality of bills and invoice information regarding a plurality of invoices, and the system pairs one or more bills to one or more invoices. Pairing the one or more bills includes, for each bill, generating one or more potential pairs of the bill to an invoice. For each potential pair, the system calculates a matching score associated with the potential pair based on the bill information of the bill and the invoice information of the invoice, identifies a subset of potential pairs of the one or more potential pairs associated with a threshold matching score, and selects a pair of a paired invoice to the bill from the subset of potential pairs. The system generates instructions to automatically pay the one or more bills, with payment scheduled based on the pairings.

Abstract: A processor may receive a request to display a user interface (UI) for a user account. The processor may determine a context for the UI from information specific to the user account. The processor may select one of a plurality of UI elements based on the determining. In some embodiments, the selecting may include evaluating a value function taking the information specific to the user account and information about the context as inputs. The processor may cause the UI including the selected one of the plurality of UI elements to be displayed in response to the request.

Abstract: Certain aspects of the present disclosure provide techniques for updating a policy of an agent, including receiving a first transaction file associated with an entity; predicting, by the agent, an expected reward for each respective string of a plurality of strings associated with the first transaction file based on a policy of the agent, wherein the policy is determined based on a context comprising at least an attribute of the entity; determining a first string based on a highest expected reward; providing, to an environment, the first string; receiving a response to the first string, wherein the response comprises an actual reward; and updating the policy of the agent based on the response to the first string.

Abstract: Systems and methods for validating credentials are disclosed. One example method, performed by one or more processors of a computing device associated with a neural network, includes training the neural network to infer validity information for encrypted credentials received from a credential source, wherein the validity information is inferred without decrypting the encrypted credentials, receiving a first encrypted credential from the credential source, generating an encrypted validity indicator for the first encrypted credential based on the validity information inferred by the neural network, and providing the encrypted validity indicator to the credential source.

Abstract: A processor may receive a plurality of text samples generated by a user and identify at least one variable text element in at least one of the plurality of text samples. The processor may tokenize the at least one variable text element, thereby producing a plurality of tokenized text samples including at least one token. The processor may build a longest common substring from the plurality of tokenized text samples and add the longest common substring and the at least one token to a set of selectable user interface options specific to the user. The processor may generate a user interface comprising the set of selectable user interface options. This can include detecting a user interface context and automatically replacing the at least one token with information specific to the user interface context within the set of selectable user interface options.

Abstract: Certain embodiments of the present disclosure provide techniques for identifying and blocking anomalous transactions within a computing system. An example method generally includes selecting a set of accounts for analysis. For each respective account, an anomaly score is calculated based on an account number associated with the respective account and transaction amounts associated with the respective account. An aggregated anomaly score is generated for each respective account provider of a plurality of account providers based on the anomaly score associated with each respective account. The aggregated anomaly score for each respective account provider is normalized based on a historical minimum and historical maximum anomaly score for the respective account provider. One or more account providers that are potential targets of anomalous activity are identified.

Abstract: Certain aspects of the present disclosure provide techniques for identifying incorrect account numbers using machine learning. One example method includes receiving, over a network from a user device, a transaction including an account number and providing the account number to a machine learning model. The method further includes obtaining output from the machine learning model including a confidence score for the account number and transmitting, over the network to the user device, the confidence score. The method further includes receiving, over the network from the user device, a response to transmitting the confidence score and processing the transaction based on the response. The method further includes updating a transaction database based on success or failure of the transaction.

Abstract: Certain aspects of the present disclosure provide techniques for identifying incorrect account numbers using machine learning. One example method includes receiving, over a network from a user device, a transaction including an account number and providing the account number to a machine learning model. The method further includes obtaining output from the machine learning model including a confidence score for the account number and transmitting, over the network to the user device, the confidence score. The method further includes receiving, over the network from the user device, a response to transmitting the confidence score and processing the transaction based on the response. The method further includes updating a transaction database based on success or failure of the transaction.

Abstract: Certain aspects of the present disclosure provide techniques for predicting a location based on transaction record data. An example technique includes obtaining a first set of transaction records and determining a merchant associated with each transaction record. The example further includes based on the merchant, determining and appending a branch identifier to each transaction record associated with the merchant to generate a first set of extended transaction records. The example further includes creating a consumption graph based on the first set of extended transaction records and determining an estimated location based on the consumption graph. The example further includes determining a precise point location based on the estimated location.

Abstract: Systems and methods for validating credentials are disclosed. One example method, performed by one or more processors of a computing device associated with a neural network, includes training the neural network to infer validity information for encrypted credentials received from a credential source, wherein the validity information is inferred without decrypting the encrypted credentials, receiving a first encrypted credential from the credential source, generating an encrypted validity indicator for the first encrypted credential based on the validity information inferred by the neural network, and providing the encrypted validity indicator to the credential source.

Abstract: A method may include extracting, from a transaction, a routing transit number (RTN) and an account number, embedding the RTN to obtain an RTN vector, embedding the account number to obtain an account number matrix, combining, using a trained machine learning model, the RTN vector and the account number matrix to obtain a combined matrix, and classifying the account number as invalid. The classifying may include applying the trained machine learning model to the combined matrix.

Abstract: Certain aspects of the present disclosure provide techniques for predicting a location based on transaction record data. An example technique includes obtaining a first set of transaction records and determining a merchant associated with each transaction record. The example further includes based on the merchant, determining and appending a branch identifier to each transaction record associated with the merchant to generate a first set of extended transaction records. The example further includes creating a consumption graph based on the first set of extended transaction records and determining an estimated location based on the consumption graph. The example further includes determining a precise point location based on the estimated location.

Abstract: Certain aspects of the present disclosure provide techniques for predicting a location based on transaction record data. An example technique includes obtaining a first set of transaction records and determining a merchant associated with each transaction record. The example further includes based on the merchant, determining and appending a branch identifier to each transaction record associated with the merchant to generate a first set of extended transaction records. The example further includes creating a consumption graph based on the first set of extended transaction records and determining an estimated location based on the consumption graph. The example further includes determining a precise point location based on the estimated location.