Abstract: This disclosure provides an apparatus for a thermoelectric (TE) contrast therapy device and related methods. The thermoelectric contrast therapy device includes a control node (610) and a plurality of thermoelectric nodes (605). The control node electrically and mechanically connected to the plurality of thermoelectric nodes, the control node configured to direct the heating and cooling functions as well as timing functions. Each of thermoelectric nodes includes a thermoelectric module (105) structured with a supply side (115) and a waste side (120), a phase change material (110), a reservoir (725), a thermal sink (320), a spreader (125) and a controller (1010). The thermoelectric contrast therapy device pre-charges (1105) the PCM contained in the reservoir; provides (910) opposite heating and cooling functions using the supply side and the waste side of the thermoelectric module; and directs, using the controller, the heating and cooling functions as well as timing functions.

Abstract: Disclosed embodiments may include a system configured to perform digital image analysis. The system may receive transaction data and image data associated with a user. The system may identify, from the transaction data, first travel feature(s). The system may identify, from the image data via computer vision, second travel feature(s). The system may train a machine learning model (MLM) to generate trip recommendation(s) for the user based on the first travel feature(s) and the second travel feature(s). The system may determine, via the trained MLM, whether at least a first trip recommendation of the trip recommendation(s) exceeds a predetermined threshold indicating a likelihood the user will be interested in the first trip recommendation. Responsive to determining the first trip recommendation exceeds the predetermined threshold, the system may provide the first trip recommendation to the user.

Abstract: Aspects provided may allow for an entity to deactivate a virtual card number (VCN). In particular, aspects provide for deactivating VCNs based on a frequency or periodicity of an interaction. After deactivation, the entity may block future charges to the VCN. Further aspects provide for using incoming charge data sent to one or more previous users to train a machine learning model to determine the frequency or periodicity of the interaction. Additional aspects may also provide for including trial length when determining the deactivation date, providing VCN configuration options to a user, and notifying the user based on upcoming and current VCN status changes.

Abstract: Disclosed are methods and systems for generating a virtual tag for an item in a physical environment. For instance, an image of the physical environment captured by and displayed on a user interface of a computing device may be provided as input to a trained machine learning model configured to identify the item including a first subset of item attributes. The item may be identified and information associated with the item, including a second subset of item attributes, may be received from a data store using the first subset. A spatial location of the item may be identified in the image. An icon may be generated for the item and rendered by the computing device for display on the user interface in association with the spatial location of the item in the image. The icon may be indicative of at least one item attribute from the first or second subset.

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: Methods, systems, and apparatuses are described herein for improving the accuracy of authentication questions using transaction limitations provided by users. A request for access to an account associated with a user may be received from a user device. An account restrictions database may be queried to determine one or more transaction rules associated with the account. The one or more transaction rules may have been created by the user and indicate limitations on financial transactions that may be performed via the account. An authentication question may be generated that is associated with a violation of the one or more transaction rules. The authentication question may be provided to the user device, and a response to the authentication question may be received. Access to the account may be provided to the user device based on the response.

Abstract: In some implementations, a system may receive interaction data corresponding to an interaction associated with a particular user of a plurality of users. The system may determine, based on the interaction data, one or more interaction categories associated with the interaction. The system may store the interaction data as historical interaction data associated with historical interactions of the particular user. The system may determine, based on the historical interaction data, experience statuses associated with the particular user in at least a subset of the plurality of categories. The system may receive, from a user device of the particular user, review data indicating a review associated with a historical interaction of the particular user. The system may store the review as historical review data. The review may be associated with one or more experience statuses of the particular user in the one or more interaction categories associated with the historical interaction.

Abstract: Aspects described herein may allow for authenticating a user by generating a customized set of authentication questions based on patterns that are automatically detected and extracted from user data. The user data may include transaction data collected over a period of time. By automatically detecting user patterns that correspond to user behavior over a period of time, an authentication system may be able to generate information that is recognizable to an authentic user but difficult to guess or circumvent for any other user.

Abstract: A non-transitory computer-readable storage medium storing computer-readable program code executable by a processor to retrieve a customer data record including bill payment activity associated with a provider account for a customer of a financial institution; and define a geographical footprint for the customer. The geographical footprint may be defined by identifying a customer set including the customer from a plurality of customers of a provider of the provider account, having customer records indicating geographic proximity, and determining that a predetermined fraction of the customer set are associated with a common billing cycle for the provider. The computer-readable program code may be executable by the processor to send a bill payment alert for transmission to the customer via electronic communication or telephonic communication, when the bill payment activity meets a threshold condition, wherein the threshold condition is determined at least in part by the geographical footprint.

Abstract: Systems and methods for external account authentication are disclosed herein. They include receiving a call to pair the external account with a secure account, extracting external data from the external account, the external data corresponding to external account content, providing user activity data from the secure account as an input to an authentication machine learning model, providing the external data as an input to the authentication machine learning model, the authentication machine learning model configured to output a certainty level that the external account is associated with a user of the secure account based on the external data and the activity data, receiving the certainty level from the authentication machine learning model, determining that the certainty level meets a certainty threshold, and pairing the external account with the secure account based on determining that the certainty level meets the certainty threshold.

Abstract: Systems and methods of the present disclosure enable intelligent dynamic caching of data by accessing an activity history of historical electronic activity data entries associated with a user account, and utilizing a trained entity relevancy machine learning model to predict a degree of relevance of each entity associated with the historical electronic activity data entries in the activity history based at least in part on model parameters and activity attributes of each electronic activity data entry. A set of relevant entities are determined based at least in part on the degree of relevance of each entity. Pre-cached entities are identified based on pre-cached entity data records cached on the user device, and un-cached relevant entities from the set of relevant entities are identified based on the pre-cached entities. The cache on the user device is updated to cache the un-cached entity data records associated with the un-cached relevant entities.

Abstract: A method and system for segmenting a plurality of images. The method comprises the steps of segmenting the image through a novel clustering technique that is, generating a composite depth map including temporally stable segments of the image as well as segments in subsequent images that have changed. These changes may be determined by determining one or more differences between the temporally stable depth map and segments included in one or more subsequent frames. Thereafter, the portions of the one or more subsequent frames that include segments including changes from their corresponding segments in the temporally stable depth map are processed and are combined with the segments from the temporally stable depth map to compute their associated disparities in one or more subsequent frames. The images may include a pair of stereo images acquired through a stereo camera system at a substantially similar time.

Abstract: A joint assembly couples a linear actuator to a body. The joint assembly includes a first body having a first surface and a second body having a second surface. The first body is coupled with the second body. The first surface and the second surface have arcuate configurations that are complementary to facilitate rotation of the first body relative to the second body about a first axis, a second axis, orthogonal to the first axis, and a third axis, orthogonal to both the first axis and the second axis. The joint assembly also includes a damper disposed between the first body and the second body and configured to dampen translational motion of the first body toward the second body in response to movement of the linear actuator relative to the body.

Abstract: A system receives an image including a live facial image of the user and an identity document including a photograph of the user. Moreover, the system calculates a facial match score by comparing facial features in the live facial image to facial features in the photograph. The system recognizes data objects and characters in the identity document using optical character recognition (OCR) and computer vision, and then identifies, based on the recognized data objects and characters, a type of the identity document. Further, the system calculates a document validity score by comparing the recognized characters and data objects to character strings and data objects known to be present in the identified type of the identity document. Additionally, the system determines and outputs the user's identity verification status based on comparing the facial match score to a facial match threshold and comparing the document validity score to a document validity threshold.

Abstract: Provided are approaches for customizing transaction cards using a pressure sensitive modification area. In some approaches, a transaction card may include a body having a first main side opposite a second main side, wherein a chip is coupled to the first main side of the body, wherein a first outer layer extends along the first main side, and wherein a second outer layer extends along the second main side. The transaction card may further include an internal layer between the first and second outer layers, and a plurality of microspheres and a pigmented substance positioned between the internal layer and the first outer layer.

Abstract: Systems and methods of the present disclosure enable intelligent dynamic caching of data by accessing an activity history of historical electronic activity data entries associated with a user account, and utilizing a trained entity relevancy machine learning model to predict a degree of relevance of each entity associated with the historical electronic activity data entries in the activity history based at least in part on model parameters and activity attributes of each electronic activity data entry. A set of relevant entities are determined based at least in part on the degree of relevance of each entity. Pre-cached entities are identified based on pre-cached entity data records cached on the user device, and un-cached relevant entities from the set of relevant entities are identified based on the pre-cached entities. The cache on the user device is updated to cache the un-cached entity data records associated with the un-cached relevant entities.

Abstract: A payment instrument comprising a bottom layer; one or more intermediate layers, wherein at least one of the one or more intermediate layers comprises: a chip comprising a processor and memory; an antenna coupled with the chip; an absorbent medium; and one or more reservoirs comprising beads, each of the beads comprising dyes of one or more colors, the beads configured to release the dyes onto the absorption medium. The dyes cure on the absorption medium at a rate based on a curing agent applied to the absorbent medium or included in beads of the reservoirs. The payment instrument may also comprise a top layer having at least a partially translucent portion above the absorption medium, wherein the absorption medium is at least partially visible through the at least one partially translucent portion.

Abstract: Methods, systems, and apparatuses are described herein for improving computer authentication processes by using physical environment information. A computing device may receive video depicting a physical environment and process that video to identify one or more first objects. The computing device may receive a request for access to an account. The computing device may send a prompt for a physical environment description and receive, in response, an indication of one or more second objects. The indication of the one or more second objects may comprise video of the physical environment, a verbal description of the physical environment, and/or text describing the physical environment. The computing device may grant the user device access to the account based on comparing the one or more first objects to the one or more second objects.

Abstract: In some implementations, a transaction card may include a card body having a first surface and a second surface opposite the first surface. The transaction card may include an integrated circuit (IC) chip embedded in the card body, and a plurality of first electrical contact sets electrically accessible from the first surface of the card body, where the plurality of first electrical contact sets have electrical connections to the IC chip. The transaction card may include a plurality of first magnetic stripe areas readable from the first surface of the card body. The transaction card may include a plurality of second electrical contact sets electrically accessible from the second surface of the card body, where the plurality of second electrical contact sets have electrical connections to the IC chip. The transaction card may include a plurality of second magnetic stripe areas readable from the second surface of the card body.