Abstract: Systems, methods, and computer-readable storage media for inserting payment information into payment forms without user interaction. A system can identify that a user has navigated to a web page operated by a merchant computer system for a merchant and identify a payment form within the web page. The system can then execute a payment request API which generates a query for saved payment credentials for the user from the merchant computer system. When the merchant computer system indicates it does not have the saved payment credentials for the user, the system can identify browser-saved payment credentials stored in the Internet browser, then generate a virtual payment information associated with the browser-saved payment credentials. The virtual payment information can then be inserted into corresponding fields of the payment form without the user entering any additional information.

Abstract: A computer-implemented method for delivering a document to a user may include obtaining, via an automated teller machine (ATM), first identification data of the user, wherein the first identification data of the user includes a card number and a password associated with the card number; determining a notification status of the user based on the first identification data; obtaining, via the ATM, second identification data based on the notification status of the user; determining a delivery status of the user based on the first identification data and the second identification data; and delivering the document to the user based on the delivery status of the user via the ATM.

Abstract: An ATM device may include an external frame, a touch screen component coupled to the external frame, and a heating element. The heating element may be positioned such that heat generated by the heating element is directed at the touch screen component. The ATM device may include a temperature sensor configured to detect a temperature of an environment of the ATM device, and may receive temperature measurement data from the temperature sensor, process the temperature measurement data after receiving the temperature measurement data, determine whether the temperature measurement data indicates that a current temperature of the environment satisfies a threshold based on processing the temperature measurement data, and perform an action to control an operating state of the heating element based on determining whether the temperature measurement data indicates that the current temperature of the environment satisfies the threshold.

Abstract: An exemplary system, method an computer-accessible medium can include generating a list of transactions with a plurality of merchants using a financial account associated with a financial account provider, determining a plurality of items in the list of transactions that are available for repurchase, displaying the transaction and the items available for repurchase, receiving a purchase request to repurchase at least one of the items available for repurchase from at least one of the merchants, and initiating a repurchase of the at least one of the items by the financial account provider with the at least one of the merchants. The financial account can be a credit card account. The items in the list of transactions that are available for repurchase can be determined by determining item level data for each transaction in the list of transactions.

Abstract: A device receives, from a user device, plan information that identifies a plan for an event and includes information identifying an account associated with the plan, plan items of the plan, and priorities and preferences associated with the plan items, where the user device is associated with a user of the account and the plan. The device receives transaction information identifying transactions associated with the account, and processes the plan information and the transaction information, with a first model, to identify transactions related to the plan. The device processes information associated with the particular plan item, the plan information, and the transaction information, with a second model, to determine recommendations for the plan, where the information associated with the particular plan item includes information identifying a priority and a preference associated with the particular plan item. The device provides information indicating the recommendations to the user device.

Abstract: A computer-implemented method of providing a notification to a user may include: obtaining a plurality of trigger conditions; monitoring a web session of the user to determine whether a trigger condition of the plurality of trigger conditions is satisfied; and in response to determining that the trigger condition is satisfied, executing a notification process, wherein the notification process includes: obtaining vendor information based on the trigger condition that is triggered, the vendor information including information associated with one or more vendors associated with the trigger condition that is triggered and/or alternative offer information associated with the one or more vendors; and causing display of a notification, the notification including information corresponding to the one or more vendors and/or the alternative offer information.

Abstract: A system and method for routing customers to an automated teller machine (ATM) is disclosed herein. A computing system receives, from a client device, a request to locate an ATM. The request includes a constraint of a desired ATM. The computing system identifies a plurality of ATMs proximate a location of the client device. The computing system pings the plurality of ATMs proximate the location of the client device to identify attributes associated with each respective ATM. The computing system receives the attributes from the plurality of ATMs proximate the location of the client device. The computing system compares the attributes from each respective ATM to historical ATM usage statistics associated with the client device. The computing system routes a user of the client device to a target ATM from the plurality of ATMs based at least partially on the historical ATM usage statistics.

Abstract: A device may process information associated with a first set of users with benefit accounts to determine a first subset of users that have a likelihood of donating and may identify a donor user with a benefit account having a credit balance from among the first subset of users. The device may process information associated with a second set of users with accounts having debit balances to determine a second subset of users that have a likelihood of not paying off the debit balances and may identify a recipient user with an account having a debit balance from among the second subset of users. The device may receive authorization to use a portion of the credit balance of the donor user to reduce the debit balance of the recipient user and may perform an action to facilitate use of the portion of the credit balance to reduce the debit balance.

Abstract: Computer-implemented methods and systems are provided for generating a distributed representation of electronic transaction data. Consistent with disclosed embodiments, generation may include receiving electronic transaction data including first and second entity identifiers. Generation may also include generating an output distributed representation by iteratively updating a distributed representation using the electronic transaction data. The distributed representation may include rows corresponding to first entity identifiers and rows corresponding to second entity identifiers. An iterative update may include generating a training sample and an embedding vector using the components and the distributed representation; determining, by a neural network, a predicted category from the embedding vector; and updating the distributed representation using the predicted category and the training sample.

Abstract: This disclosure provides methods and apparatus for a beverage brewer. The beverage brewer including a burner, a reservoir, a controller, and a thermoelectric generator. The burner produces combustible heat across a surface. The reservoir stores a brewing fluid. The controller controls a brewing process. The thermoelectric generator is structured with a supply side, a waste side and a power output. The supply side is directed towards the surface of the burner. The waste side contacts the reservoir. The power output powers the controller.

Abstract: A card for storing both emergency information and payment information is disclosed. The card can be used by an emergency responder to retrieve emergency information for the user. The emergency information can enable the emergency responder to better render aid to the user. The card can have one or more processors, a sensor, and a memory in communication with the one or more processors and storing an application thereon. The application can cause the card to receive a request from a user device (e.g., from an emergency medical technician, or EMT) to access emergency information stored in the memory, transmit a security challenge to the user device, authenticate a received response to the security challenge from the user device, and transmit the emergency information to the user device.

Abstract: A device receives a transaction request concerning a transaction and a transaction card from a transaction terminal, and determines, based on the transaction request, information concerning the transaction card. The device sends, based on the transaction request and to a user device, a query concerning possession of the transaction card by a user of the user device, where the query includes an instruction for the user to confirm possession of the transaction card via a component of the user device. The device receives, from the user device and after sending the query to the user device, a response concerning possession of the transaction card by the user, and determines, based on the response and the information concerning the transaction card, whether the user has possession of the transaction card. The device performs, based on determining whether the user has possession of the transaction card, at least one action.

Abstract: Systems and methods relate to predicting improved operating hours for a merchant. For example, a method may include determining operating hours of a target merchant; identifying one or more merchants other than the target merchant having one or more common characteristics with the target merchant; obtaining transactional data indicating customer transactions at the one or more merchants other than the target merchant; computing an estimate of potential customer transactions at the target merchant during a the period of time not within the operating hours by processing input data including the obtained transactional data using a trained machine learning model to produce the estimate, the estimate being a number or value of consumer transactions missed as a result of the target merchant being closed during the period of time; and transmitting, to the target merchant, information indicating the computed estimate.

Abstract: Methods and systems are disclosed for allowing an electronic purchase upon completion of an exercise goal and/or a physical activity goal. Exercise and/or physical activity goal criteria can be retrieved for a user. Electronic charge approval criteria can be retrieved for the user, the electronic charge approval criteria based on the exercise and/or physical activity goal criteria. It can be determined whether the exercise and/or physical activity goal criteria has been fulfilled using an electronic measurement system, the electronic measurement system measuring motion data and/or heart rate data for the user. A requested electronic charge can be authorized upon a determination that the electronic charge approval criteria for the user has been fulfilled.

Abstract: Provided are arrangements requiring additional multi-factor authentication (MFA) in certain instances of dynamic virtual transaction token (e.g., virtual credit card token) generation via a browser extension. In the arrangements, the browser extension, when executed, may cause a browser to require a user to complete an initial multi-factor authentication (MFA). Once the browser extension has a record indicating a prior valid initial MFA for the user, the user allowed to request a transaction token. The browser extension may allow issuance of the transaction token upon an indication that the value needed does not exceed the predetermined value.

Abstract: Systems and methods for authenticating identification information are disclosed. For example, an Automated Teller Machine (ATM) may comprise a user interface. The user interface may comprise a card reader. The card reader may be configured for card rotation about an axis of a bank card. The user interface may be configured to receive card rotation input from a user. The ATM may comprise at least one memory storing instructions. The ATM may comprise at least one processor configured to execute the instructions to perform operations. The operations may comprise receiving identification information from the user. The operations may comprise receiving the card rotation input. The operations may comprise extracting a card rotation sequence from the card rotation input. When the card rotation sequence is within a predetermined threshold from a stored card rotation sequence corresponding to the identification information, the operations may comprise authenticating the user for an ATM operation.

Abstract: Systems and methods for encoded communications are disclosed. In some embodiments, a server system may be configured to receive a communication from a user interface at an encoded communication module that includes an artificial intelligence based natural language processing module, determine whether the received communication is an encoded communication, decode the encoded communication to generate a financial query when it is determined that the received communication is an encoded communication, retrieve financial data associated with the user, determine an answer to the financial query based on the retrieved financial data, encode the determined answer to generate an encoded responsive communication, and transmit the generated encoded responsive communication to the user interface for providing to a user of the user interface.

Abstract: Systems and methods for authenticating identification information are disclosed. For example, a system may include an Automated Teller Machine (ATM). An ATM may comprise a user interface. The user interface may comprise a joystick. The user interface may be configured to receive joystick input from a user. The ATM may comprise at least one memory storing instructions. The ATM may comprise at least one processor configured to execute the instructions to perform operations. The operations may comprise receiving identification information from the user. The operations may comprise receiving the joystick input. The operations may comprise extracting a joystick sequence from the joystick input. When the joystick sequence is within a predetermined threshold from a stored joystick sequence corresponding to the identification information, the operations may comprise authenticating the user for an ATM operation.

Abstract: A device may receive an input that indicates a request to initiate a transaction at an ATM device. The device may instruct the user to capture one or more images of the ATM device. The device may determine that an image has been captured and process the image to determine first information that identifies the ATM device. The device may send the first information to a server device and receive a signal that indicates the ATM device has been validated. The device may cause an augmented reality (AR) overlay to be displayed, wherein the AR overlay includes second information related to authenticating the user to the ATM device. The device may determine whether a user action is performed with respect to the second information included in the AR overlay, and perform a device action related to the second information, the ATM device, or the AR overlay.