Abstract: Disclosed are methods and systems for targeted link sharing. For instance, a sharable link may be detected on a sharing user's computing device, and one or more users associated with the sharing user may be determined to be suitable to use the link. For each suitable user, an interaction history of the user, a code use behavior of the user, and information associated with the code are provided as inputs to a trained machine learning system to obtain, as output, a likelihood that the user uses the code. Each suitable user determined to have the output meet a predefined criterion may be included in a list of receiving users for display within a notification on the sharing user's computing device. The link may be distributed to a computing device of at least one receiving user selected from the list to share the link.

Abstract: Disclosed are methods and systems for prioritization and/or validity monitoring of shared links. For instance, a share request for a link associated with a site may be received from a sharing user computing device. The link and associated information, including a valid status, may be stored. An interaction with the site on a receiving user computing device may be detected, and the link may be determined to be valid based on the stored information. A notification including the stored link may be generated and displayed on the receiving user computing device to prompt code use. Interactions indicating code use may be monitored for, code use may be detected, and the status may be updated to invalid. If a plurality of links associated with the site have been received, the links may be prioritized for inclusion in the notification based on a determined priority among sharing users of the links.

Abstract: A contactless card can include a plurality of keys for a specific operation, e.g., encryption or signing a communication. The contactless card can also include an applet which uses a key selection module. The key selection module can select one of the plurality of keys and the applet can use the key to, e.g., encrypt or sign a communication using an encryption or signature algorithm. The contactless card can send the encrypted or signed communication to a host computer through a client device. The host computer can repeat the key selection technique of the contactless device to select the same key and thereby decrypt or verify the communication.

Abstract: Systems and methods for the localized storage and retrieval of private keys are provided. The system includes a card, a user device, and an ATM. The method comprises validating the user's identity, encrypting the private key, and depositing the key into the ATM. Another method comprises withdrawing the private key in a paper or virtual form.

Abstract: A contactless card with power harvesting unit is described. The power harvesting unit is configured to harvest power from near field communication radio wave fields and supply power to a memory, processor, and communication circuit of the contactless card. In some embodiments, the contactless card may also include a capacitor for smoothing out power deliver or a rechargeable battery. The contactless card is configured to establish two-way communication with a secondary device and to store and execute applets. In some embodiments, the contactless card is a payment card which contains information associated with a primary profile and a secondary profile. The secondary profile may be activated using two-way communication if the primary profile is deactivated due to fraudulent activity.

Abstract: Disclosed embodiments may include a method for using accounts with multiple profiles where the system allows a primary user to create one or more secondary user profiles. Each secondary user profile is associated with its own VCN and one or more attributes. The one or more attributes can be used to limit the spending ability of each secondary user individually with hard and soft spending limits including merchant category, overall spending, and geographic limits. Purchases by a secondary user that violate the soft limits may be allowed by the primary user using an application associated with the primary account number. Attributes can be assembled by the primary user to create specific and creative spending limits. The system associates each transaction with the user profile using the specific VCN and generates a GUI for the primary user showing the second user profile, its current balance, and transaction history.

Abstract: Example embodiments of systems and methods for data transmission between a contactless card and a client device in support of a FIDO authentication are provided. In an embodiment, upon receipt of a challenge issued by a server in connection with a pending transaction, the contactless card may authorize the client device to utilize a FIDO private key to respond to the challenge. If the response to the challenge is successful, the FIDO authentication may proceed and the transaction may be completed.

Abstract: A system comprising: a document holder; an image sensor directed toward the document holder; a polarized filter between the image sensor and the document holder; a filter motor configured to rotate the polarized filter; one or more processors; and at least one memory having stored thereon computer program code that, when executed by the one or more processors, instructs the one or more processors to: control the filter motor to rotate the polarized filter; control the image sensors to capture a plurality of images of a document within the document holder, the plurality of images corresponding to a respective relative orientations of the polarized filter to the document; identify a feature of the document; and output, in response comparing respective visual characteristics of the feature of the document to corresponding expected visual characteristics of the first feature for the document, an indication of a verification of the document.

Abstract: In a method for broadcasting account provisioning information, user datum encryption information is transmitted to a plurality of account processing systems. A request to share account provisioning information is received from a user device associated with an account holder. A user datum of the account holder is encrypted using the encryption information and transmitted to the account processing systems. A response is received from at least one of the account processing systems, the response including an indication that the account holder has a transaction account processed by that account processing system. A request for confirmation that the account provisioning information should be shared is sent to the user device and a confirmation response is received from the user device that includes permission to share account provisioning information. Account provisioning information is then transmitted to one or more of the account processing systems.

Abstract: A computer-implemented method includes detecting a communication session established between a first computing device of a first user and a second computing device of a second user; generating session identification information for the communication session; detecting a triggering condition during the communication session to verify an identity of the first user; causing the second computing device to instruct the first user to interact a smart transaction card with the first computing device such that a one-time data item is transmitted from the smart transaction card to an application executing on the first computing device, the one-time data item dynamically generated by the smart transaction card, where the first user is authenticated via the application based at least in part on the level of authentication and the one-time data item; generating a verification token for the communication session, the authentication result stored in association with the session information.

Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.

Abstract: Various embodiments are generally directed to utilizing a steganographically encoded image with an offline and/or online verification or authentication protocol. A method for using the steganographic image can include: receiving or utilizing a steganographic image associated with a user at a third-party device, the steganographically encoded image including an identification of a user steganographically encoded with a fingerprint template of the user, and authenticating the user using the steganographically encoded image.

Abstract: Provided are transaction cards including an expanded identification ship. In some approaches, a transaction card may include a body having a first main side opposite a second main side, wherein the body defines an outer perimeter including a first end perimeter opposite a second end perimeter, and a first side perimeter opposite a second side perimeter. The transaction card may further include an identification chip having a plurality of contacts, wherein a first contact of the plurality of contacts extends to at least one of the following: the first end perimeter, the second end perimeter, the first side perimeter, and the second side perimeter.

Abstract: Example embodiments of systems and methods for data transmission between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device. The receiving device can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.

Abstract: A network-enabled smart apparatus has a data processing systen, at least one operational system, wide area and local network communication interfaces, and a memory. The memory has stored therein apparatus identification information, at least one service application, and an activation application. The activation application causes the data processing system to establish an internet connection and create an NFC-enabled web page. The data processing system transmits, to the user device instructions to navigate to the NFC-enabled web page and instructions for the user to tap an NFC-enabled smart card to the user device. The apparatus data processing system reads, via the NFC-enabled web page, NFC information transmitted to the user device by the smart transaction card. The application causes the apparatus to transmit the NFC information to a service administration server, and receive, from the service administration server, a service activation command.

Abstract: A method for generating a dynamic virtual representation of an event or an object is disclosed. The method includes obtaining one or more of first data or first metadata associated with the first data from one or more data sources, generating a virtual object, setting a state of the adjustable aspect such that the adjustable aspect is a visual representation of one or more aspects of the one or more of the first data or the first metadata, causing a user device to output the virtual object via a user interface, determining a change in one or more of the first data or the first metadata, modifying the state of the adjustable aspect based on the determined change, and causing the user device to modify the output of the virtual object based on the modified state of the adjustable aspect.

Abstract: Systems and methods for verified messaging through the interaction involving a short-range transceiver, such as a contactless card, a client device and a server are presented. Verified messaging may be provided in the context of using a client device to receive a user identifier from the user's short-range transceiver, such as a contactless card, and sending a messaging request with the user identifier to a server, which may look up client device information and compare with data about the client device accompanying the request. Matching received client device information to stored client device data based on a user identifier obtained from a short-range transceiver provides an enhanced ability to verify that the client device corresponds to the user associated with the short-range transceiver.

Abstract: The present embodiments include a system and method for securely completing a checkout process associated with a consumer transaction. The system can include a card and a software application. The software can authenticate the user with card information, then retrieve checkout data associated with the user. The application can complete the checkout process automatically rather than be manually completed by the user.

Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.

Abstract: Aspects described herein relate to methods, systems, and apparatuses that track the availability of items from multiple vendors based on website browsing records from multiple users, and provide alerts to users when an out-of-stock item becomes available.