Abstract: Disclosed herein are system, method, and computer program product embodiments for providing an untrained machine learning model with a combined message and an appropriate emoji reaction icon. An embodiment operates by receiving a first and second user message. The first and second user comprises a first and second user text or a first and second user-inserted emoji reaction icon, respectively. The first or second user text is associated with a first or second system-specified emoji reaction icon, respectively. Thereafter, the first user message is determined to be associated with the second user message, the combined message is created based on the first and second messages, and the appropriate emoji reaction is identified as associated with the combined message. The combined message and associated appropriate emoji reaction icon are then sent to an untrained machine learning model configured to for training.

Abstract: Disclosed are methods and systems for validating instruments. For instance, a request to generate a cashier's check may be received from an application executing on a drawer's computing device. Request information may be stored within a data storage entry for the check, and a code to be printed on the check may be generated to include at least a portion of the request information. Instructions may be provided to a printing system to cause the check to be printed with the code, where the printed check is invalid. Instructions may be provided to the application and/or printing system to cause display of a prompt to facilitate a reading of the code to validate the check. When information within the code is read by and received from the printing system, the check may be validated, which triggers a transfer of funds from the drawer's account. Otherwise, the check may remain invalid.

Abstract: Methods and systems are described herein for determining resource usage metrics of cloud computing systems. The system may generate access tokens for an account associated with a certain resource class of resources. The system may receive requests comprising a corresponding access token request and a corresponding resource class identifier. The system may determine the corresponding resource class for each request. The system may generate aggregated resource data based on a corresponding quantity of each resource within the resource class and may determine, based on the aggregated resource data, a resource usage metric indicating a total amount of resources used by the cloud computing system.

Abstract: Various embodiments are directed to a method and system for mapping or visualizing the magnetic fields and their associated field strengths of an object, such as a mobile computing device. An example source of the magnetic fields may be a near-field communication (NFC) reader configured in the object. A computer vision system or device may track a visual marker arranged near or on a magnetic field strength detector in order to associate, match, or map the magnetic field strength measurement readings of the detector at different positions or locations on the object. The computer vision system may generate and display a heat map of the object based on at least the magnetic field strength measurements and their relative positions.

Abstract: Systems and methods are directed to a modified device configuration for disposing a NFC compatible user card within a NFC field of a user mobile device so as to enable continuous proximity monitoring based on a status of an NFC link established between the card and the mobile device. The modified device configuration may be utilized to implement card tracking functionality by using a mobile application, running on the mobile device, to generate a timestamp upon detection of change in a connectivity status of the NFC link to the card. The timestamp NFC connectivity data may then be paired with mobile device GPS coordinates, concurrently retrieved from one or more mobile GPS-based navigation applications, to facilitate card tracking functionality as well as multi-factor validation for electronic transactions initiated by the NFC compatible card and/or the mobile device.

Abstract: A computer-implemented method for completing self-executing cryptographic interaction protocols using a completion device is disclosed. The method comprises: establishing, by the completion device, a wireless connection with a source device; receiving, from the source device, a request for completion of a self-executing cryptographic interaction protocol; comparing the information that identifies the self-executing cryptographic interaction protocol or the source device to a configuration stored in the completion device; and based on the comparing resulting in a match: outputting, via an output component of the completion device, a first indication of the match between the information and the configuration; signing the self-executing cryptographic interaction protocol using a digital signature stored in a cryptographic hardware element of the completion device; and sending the signed self-executing cryptographic interaction protocol to the source device.

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: Various embodiments are generally directed to secure generation of barcodes using cryptographic techniques. An application may receive a request to generate a barcode. The application may receive encrypted data from a communications interface of a contactless card associated with an account. The application may receive, from a server, verification of the encrypted data and an encrypted authorization token associated with the account. The application may generate the barcode utilizing the encrypted authorization token.

Abstract: System and methods for handling on-chain cryptographic resources based on conditions generated responsive to an off-chain trigger. The system may receive a transfer request that includes a resource allocation request, generate a first blockchain function request for a list of contributor identifiers and condition sets, receive the list of contributor identifiers and condition sets, determine a subset of the list of contributor identifiers and condition sets, generate a second blockchain function request, and transmit the second operation request to a blockchain node.

Abstract: Systems and methods are directed to optimizing a security and recoverability trade-off generally associated with cryptocurrency master key storage. Exemplary embodiments provide a biometrically derived cryptographic seed using a measurement of one or more scale invariant biometric attributes associated with a user. The measured user biometric data is then processed into a repeatable biometric identifier and formatted into a (biometric) cryptographic seed, for derivation of a master extended private key, which may be stored in an HD wallet or used dynamically to conduct a blockchain transaction. The biometric seed and master key generation process may be facilitated by a mobile application responsive to a readout of biometric data from sensors integrated/associated with the mobile device.

Abstract: A computer-based method includes receiving an activity data associated with a user; where a first user activity profile of the activity data is associated with: a) a first profile identifier, and b) a first instrument, where the first instrument comprises a first security measure; receiving an authentication request to authenticate an identity of the user; generating a security challenge to identify the user; the security challenge being based on a second user activity profile of the activity data; receiving a security response to the a security challenge from an instrument generation module; the security response comprising a second profile identifier associated with a second instrument; authenticating the user based on the security response; generating a third profile identifier to replace the first profile identifier; instructing the instrument generation module to dispense a third instrument; where the third instrument includes: a) the third profile identifier, and b) a second security measure.

Abstract: Embodiments may be generally directed to methods, techniques and devices to utilize a contactless card to perform a series of operations.

Abstract: The disclosed system and method is directed to a novel implementation of encryption service provision which obviates a need for network communication between a card manufacturing/personalization entity and a validation entity, during the card personalization phase. The proposed solution decouples the operation flow associated with personalization of an OTP card (as carried out by a manufacturing HSM) and the validation of a OTP card cryptogram (as carried out by a distinct validation HSM). This is accomplished by generation and distribution of a third master key which enables the personalization and the validation HSMs to independently derive the shared secret value used in generation and validation of a transaction cryptogram associated with an OTP card operation.

Abstract: Provided are approaches for removing a chip of a transaction card using a chip removal element. In some approaches, the transaction card may include a body including a first main side opposite a second main side, a chip coupled to the first main side of the body, and a chip removal element disposed between the chip and the body. A first end of the chip removal element may be positioned within a tab recess along the first main side of the body, wherein the chip removal element is operable to decouple the chip from the body when the chip removal element is moved away from the body.

Abstract: Aspects described herein relate to methods, systems, and apparatuses that infer which items were purchased in a transaction based on correlating a transaction record for the purchase, such as credit card receipt, with browsing records received from multiple users of vendor websites that identify individual costs of items.

Abstract: Various embodiments are directed to applying, via contactless card authentication, one or more restrictions to a virtual card number and generating the card number for use by a recipient. The one or more restrictions may be specifically personalized to the recipient and may include, for example, a merchant restriction, an amount restriction, a time period restriction, or a location restriction. The generated virtual card number along with the applied one or more restrictions may be consumed in various ways, such as writing the number to a blank card, transmitting the number directly to the recipient's computing device, etc., all via near-field communication.

Abstract: A password-less authentication system and method include registering a contactless card of a client with an application service and binding the contactless card to one or more client devices. The contactless card advantageously stores a username and a dynamic password. Accesses by the client to the application service may be made using any client device, and authentication of the accesses may be performed by any client device that includes a contactless card interface and can retrieve the username and dynamic password pair from the contactless card. By storing the username on the card, rather than requiring user input, application security improved because access to and knowledge of login credentials is limited. In addition, the use of a dynamic password reduces the potential of malicious access.

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 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; a reactive medium; and one or more reservoirs comprising beads, each of the beads comprising a reactive agent, the beads configured to release the reactive agent over time onto the reactive medium, wherein the reactive agent causes a change over time of the surface of the reactive medium; and a top layer, the top layer having at least a partially translucent portion, the at least one partially translucent portion above the reactive medium, wherein the reactive medium is at least partially visible through the at least one partially translucent portion.

Abstract: Systems and methods for identifying malicious cryptographic wallet addresses are disclosed. The systems and methods can receive a first plurality of tokens and an indication of a potentially malicious cryptographic wallet address from a requesting user. The system can identify a plurality of associated wallet addresses, and compare the associated wallet addresses to a stored list of malicious cryptographic wallet addresses. The system can determine a subset of the identified associated cryptographic wallet addresses that are malicious and assign a maliciousness rating to the potentially malicious cryptographic wallet address. The system can provide the maliciousness rating to the requesting user.