Abstract: Methods, systems, and apparatuses are described herein for improving computer authentication processes by generating authentication questions based on the location of a user. Transaction data indicating a plurality of transactions associated with a user account may be received. Location data indicating a plurality of locations of a user device might be received. At least a subset of the plurality of transactions may be tagged, based on the location data, with an indication that a user was present for a respective transaction. For example, a location of a merchant might be compared to a user device location indicated by the location data. A plurality of authentication questions might be generated based on the subset of the plurality of transactions. Access to the user account might be provided based on responses to the plurality of authentication questions.

Abstract: A first device may receive a request to establish a replication session between a second device and a third device, where the replication session is associated with replicating user interactions with a user interface of an application across a first instance and a second instance of the application. The first device may receive, after receiving the request, information identifying a set of interactions by a user of the second device with a first user interface provided for display by the first instance. The first device may determine, from the information, a set of instructions related to causing an indication for the set of interactions to be provided for display on a second user interface provided for display for the second instance based on the information being received from the second device. The first device may provide, after determining the set of instructions, the set of instructions to the third device.

Abstract: A system and method for allowing a single live customer service agent to simultaneously serve multiple customers. According to various embodiments, a virtual agent operates at the front end to receive and attempt to handle customer issues. The virtual agent employs speech recognition and intent mapping in order to generate a proposed response that attempts to identify and resolve customer issues. In some scenarios, the proposed response includes both a response message and a response action to be taken. A chat history and the proposed response is then provided to the live agent. The live agent reviews the information provided, and determines whether the proposed response is appropriate. The live agent then approves the response or revises or replaces the response. The final response is sent back to the virtual agent for processing and providing to the customer.

Abstract: Aspects described herein may provide techniques for authenticating a user using transaction-based authentication questions that are generated based on item-level purchase data. The item-level purchase data of a transaction may include specific details of a transaction such as identification of each item purchased and corresponding prices paid for each item. Transaction-based authentication questions for a financial account may be generated based on the item-level purchase data that an authorized user of the financial account is likely to remember and that a malicious actor is unlikely to correctly guess. As a result, the authorized user of the account is likely to be correctly authenticated while the malicious actor is likely to answer the transaction-based authentication question incorrectly. Authentication can therefore effectively block malicious actors without overly burdening actual authorized users during the authentication process.

Abstract: Disclosed herein are systems and methods for determining whether an automated telephone call has been answered by a particular user, a different person, or a voicemail service. In response to determining that the call has been answered by the user, a different person, or a voicemail service, the systems and methods can output different respective messages, initiate messaging to the user via alternate communication paths, or perform other actions.

Abstract: The technology described herein is directed to compositions and methods for modifying and controlling the activity of cells by expression of proteins from self-amplifying RNA (saRNA). Also described herein are compositions and methods for modifying and controlling the activity of cells by expression of proteins from self-amplifying RNA that is substituted with chemically modified nucleotides.

Abstract: Methods and systems for generating electronic signatures are disclosed. In some embodiments, the method includes: storing pixel features of a signing device; capturing, via an imaging device, a plurality of image frames including the pixel features of the signing device; identifying in the plurality of image frames, by a processor, first pixels matching the stored pixel features of the signing device; generating, by the processor, a first image including the identified pixels; and connecting, by the processor, the identified pixels to form at least one line drawing representing a signature.

Abstract: Systems and methods for fraud detection and prevention is disclosed. The system may receive a transaction request for a first customer including a transaction location, transaction time stamp, and merchant type code. The system may determine whether the transaction location is expected for the first customer. When the transaction location is unexpected, the system may identify a last-known video detection having a last-known time stamp and last-known location. The system may determine a travel time estimate between the last-known location and the transaction location and determine a buffer based on the merchant type code. The system may compare the travel time estimate to an allotted time that includes a difference between the transaction time stamp and last-known time stamp less the buffer. When the travel time estimate exceeds the allotted time, the system may execute one or more fraud prevention steps.

Abstract: Disclosed are techniques and apparatuses that are configured to receive an indication that a web browsing session executing on an enterprise server needs additional information based on a request for additional information being sent to a client device. The request may include an identifier of the web browsing session and an identifier of an enterprise server that initiated the web browsing session. A globally unique identifier related to the web browsing session and an identifier of the enterprise server is stored in a common data store. The web browsing session may be paused when the web browsing session requests additional information from a client device. The client device may respond with the additional information. The system may provide the identifier of the enterprise server to a load balancing component so the identified web browsing session executing on the enterprise server may continue to be used.

Abstract: Embodiments may generally be directed components and techniques to detect a request to provide banking account information over a one or more voice connections, identify the requested banking account information, and generate speech data representing the banking account information requested. In embodiments further include communicating the speech data to another device.

Abstract: Methods, systems, and apparatuses are described herein for improving computer authentication processes through the generation of synthetic merchants. A plurality of different real merchant names may be received. The plurality of different real merchant names may be processed to determine one or more name elements. A request for access to an account associated with a user may be received. Based on the one or more name elements, one or more synthetic merchant names may be generated. Based on the one or more synthetic merchant names, synthetic transaction data may then be generated. A synthetic authentication question may be generated and presented to a user. A candidate response to the synthetic authentication question may be received. Based on the candidate response, access to the account may be provided.

Abstract: In some implementations, a system may capture audio from a call between a calling device and a called device. The system may filter the captured audio to generate a background audio layer. The system may generate an audio footprint that is a representation of sound in the background audio layer. The system may determine that the audio footprint includes a triggering sound footprint based on one or more audio characteristics of the audio footprint. The system may detect synthetic sound based on the audio footprint and after determining that the audio footprint includes the triggering sound footprint, wherein the synthetic sound is indicative of a sound recording. The system may transmit a notification to one or more devices associated with the call based on detecting the synthetic sound.

Abstract: Systems as described herein may enhance merchant databases using crowdsourced browser data. An electronic payment server may receive cache information associated with the first transaction from a browser extension. The electronic payment server may retrieve a transaction record for a second transaction in a transaction database, wherein the first transaction matches with the second transaction. The electronic payment server may update a merchant record in a private merchant database with a friendly merchant name based on the cache information. Upon determining that the merchant record in the private merchant database exceeds a threshold confidence level, the merchant record may be promoted to a trustworthy database, and the friendly merchant name may be presented to a user device.

Abstract: Methods, systems, and apparatuses are described herein for improving computer authentication processes through presenting favorite merchants selection in transaction-based authentication. A computing device may receive a request for access to an account associated with a user. The computing device may train a machine learning model to determine predicted favorite merchant information, and provide one or more transactions conducted by the user as input to the trained first machine learning model. Data indicating favorite merchant information may be received from the trained first machine learning model. An authentication question may be generated and a candidate response to the authentication question may be received. Based on the candidate response, access to the account may be provided.

Abstract: Provided, in an aspect, is a method for performing an online transaction using a graphical construct. The method can include receiving, by a client device, inputs to generate the graphical construct; transmitting to a server in communication with the client device, a request to generate the graphical construct; receiving, by the client device, the generated graphical construct and a summary information from the server; displaying, through a user interface of the client device, a summary screen including the generated graphical construct and the summary information; embedding, by the client device, the generated graphical construct on a third-party application running on the client device; sending, by the client device, a transaction request to perform the online transaction using the generated graphical construct; and presenting for display, through the user interface of the client device, a notification including a status of the online transaction.

Abstract: Systems and methods of anti-vishing OTP protection via machine learning techniques are disclosed. In one embodiment, an exemplary computer-implemented method may comprise: receiving a permission indicator identifying a permission by the user to detect OTPs and calls being received by a computing device; receiving an indication of an OTP data item being received; processing the OTP data item to determine a time duration during which a particular OTP included therein is valid; utilizing a trained OTP protection machine learning model to determine phone number(s) as presenting a security risk with respect to the OTP data item; and instructing the computing device to commence at least one security measure based at least in part on a contact list updated with an indication that the phone number(s) present a security risk with regard to the particular OTP during the time duration of the particular OTP.

Abstract: Systems and methods of the present disclosure enable database search. The systems and/or methods may include receiving a search query that includes an input document having text. Word embeddings are generated within the input document, where the word embeddings include vector representations of words in the text of the input document. An average input document word embedding vector is determined for the word embeddings of the input document. A set of stored documents is accessed, where each stored document includes a stored text has a particular average stored document word embedding vector. A similarity model is used to determine a similarity metric measuring the similarity between the input document and each stored document based on the average input document word embedding vector and the particular average stored document word embedding vector of each stored document.

Abstract: A method of receiving, by an access controlling server, a danger-related communication for an inclement danger condition. The access controlling server is in operational communication with a locking mechanism, controlling an opening and closing condition of a door of the enclosed structure. The access controlling server enables, based on the danger-related communication, an entry allowance setting of the locking mechanism of the door of the enclosed structure. The access controlling server adjusts the security restriction associated with the security-protected machine or the enclosed structure. The access controlling server transmits a push notification, informing a user in the area that the entry allowance setting of the locking mechanism of the access controlling server of the door of the enclosed structure is enabled.

Abstract: A captured image of a check for deposit can be received. A reference image of the check can be determined to have been provided by a payer that has written the check. If a reference image is provided, a determination can be made as to whether the captured image matches the reference image. If no reference image is provided, handwriting analysis is performed to confirm that the handwriting in the captured image matches the payer's handwriting. The handwriting analysis can be performed by a machine learning model trained with check history to produce a similarity score between the handwriting on the check and the payer's handwriting. Security controls can be activated if the score represents a mismatch of handwriting. If the score indicates a handwriting match, the check can be deposited as a transfer from the payer's account to the payee's account.