Abstract: A system for providing resource material to a customer service representative [CSR], including a database storing a plurality of resources associated with one or more customer service contexts, a memory storing instructions, and one or more processors configured to execute the instructions to analyze an on-going communication including a customer service request received from a customer; determine a context of the request based on the analysis and historical data associated with the customer determined to be associated with the communication, automatically identify, based on the context of the request, a resource in the database associated with the determined context; and display, via a user interface in real-time during the communication, the resource associated with the customer service request.

Abstract: In a method for provisioning account information of a payment card, user datum encryption information is transmitted to a transaction data processing system. A user datum encrypted using the user datum encryption information and a request to share account provisioning information is received from the transaction data processing system when the payment card is present by a user at the transaction data processing system. A user account associated with the payment card is determined and the user of the payment card is authenticated. A request for confirmation that the account provisioning information should be shared is sent to a user device associated with the user account 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 the transaction data processing system.

Abstract: Systems and methods are provided for authenticating mobile payments from a customer account to a merchant. The systems and methods may include a financial service provider receiving a request to authorize an electronic transaction at a point-of-sale. A financial service provider server computer may verify that the customer is present at the point-of-sale using received location data. An image having distorted text such as a captcha may be transmitted to a device at the point-of-sale, and the customer may read the captcha aloud. A voice sample of the customer may be sent to the financial service provider for comparison to stored voice recordings, to verify that the customer's voice sample is authentic if the voice matches a previously generated voice recording for the account. If the voice sample is authentic, the financial service provider may authorize the mobile payment.

Abstract: In a method for providing provisioning information, a central data processing system receives from a transaction data processing system, an encrypted user datum associated with a client user of the transaction data processing system; receives from at least one of a plurality of account administrator data processing systems, a response comprising a notification that a user account administrated by that account administrator data processing system is associated with the client user; receives an account administrator selection message including identification of a user-selected account administrator from an account administrator list; transmits to the account administrator data processing system associated with the user-selected account administrator, a provisioning request for client user account provisioning information; receives from the account administrator data processing system associated with the user-selected account administrator, the client user account provisioning information; and transmits to the t

Abstract: In a method for provisioning account information of a payment card, user datum encryption information is transmitted to a transaction data processing system. A user datum encrypted using the user datum encryption information and a request to share account provisioning information is received from the transaction data processing system when the payment card is present by a user at the transaction data processing system. A user account associated with the payment card is determined and the user of the payment card is authenticated. A request for confirmation that the account provisioning information should be shared is sent to a user device associated with the user account 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 the transaction data processing system.

Abstract: A computing system may receive a request of the user for a first action of the user with an entity. In connection with granting the request of the user, the computing system may configure a token for use by the user and the entity such that (i) the entity is added as an approved entity, and (ii) the token is configured with a resource amount of the first action as a usage threshold of the token. The computing system may receive a request of the entity to use the token. The computing system may determine whether granting the request of the entity would cumulatively exceed the usage threshold of the token. Based on a determination that granting the request of the entity would not cumulatively exceed the resource usage of the token, the computing system may grant the request of the entity to use the token.

Abstract: A system for providing resource material to a customer service representative [CSR], including a database storing a plurality of resources associated with one or more customer service contexts, a memory storing instructions, and one or more processors configured to execute the instructions to analyze an on-going communication including a customer service request received from a customer; determine a context of the request based on the analysis and historical data associated with the customer determined to be associated with the communication, automatically identify, based on the context of the request, a resource in the database associated with the determined context; and display, via a user interface in real-time during the communication, the resource associated with the customer service request.

Abstract: In a method for provisioning account information of a payment card, user datum encryption information is transmitted to a transaction data processing system. A user datum encrypted using the user datum encryption information and a request to share account provisioning information is received from the transaction data processing system when the payment card is present by a user at the transaction data processing system. A user account associated with the payment card is determined and the user of the payment card is authenticated. A request for confirmation that the account provisioning information should be shared is sent to a user device associated with the user account 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 the transaction data processing system.

Abstract: Disclosed embodiments include methods, systems, and computer-readable media configured to, for example, provide payment tokens for conducting transactions, as well as reprovisioning tokens, on wearable devices without Bluetooth® or other network connectivity beyond NFC radio.

Abstract: Disclosed herein are styrene butadiene rubber latex compositions with high solids content and methods for making and using these compositions. The method for making the styrene butadiene rubber latex compositions can include mixing a seed, a styrene, an initiator, a base, a surfactant, and a solvent; adding a first portion of 1,3-butadiene to make a first reaction mixture; heating the first reaction mixture for a first reaction time to make a first styrene butadiene rubber latex; mixing the first styrene butadiene rubber latex, a styrene, a base, an initiator, a surfactant, and a solvent; adding a second portion of 1,3-butadiene to make a second reaction mixture; and heating the second reaction mixture for a second reaction time to make a second styrene butadiene rubber latex, where the second styrene butadiene rubber latex has a solids content higher than that of the first styrene butadiene rubber latex.

Abstract: A system and method include a kiosk processor, a device kiosk on a customer mobile device, which displays via a user interface, content and options for the customer from a third party customer service system, a customer interaction channel that receives, via an associated customer interaction network, a request to access the third party customer service system, an authentication module associated with the kiosk processor that receives customer data and customer input associated with an authentication request to authenticate the customer, identifies a customer mobile device based on device identifiers, and evaluates risk factors associated with the customer mobile device, and a communication interface associated with the kiosk processor, that transmits, via a push notification gateway, a push notification to the device kiosk on the customer mobile device that establishes, via the network, a secure connection between the customer mobile device and the third party customer service system.

Abstract: Methods and systems are disclosed for providing location services. Consistent with disclosed embodiments, disclosed systems and methods may include a beacon registering device for providing location services. The beacon registering device may include a non-transitory memory storing instructions.

Abstract: Systems and methods are disclosed herein for real-time digital authentication. According to some embodiments, receiving a hashed user credential from the third party entity, performing a matching operation between the received hashed user credential and a stored hashed credential stored in the non-transitory memory, the received hashed user credential and the stored hashed credential being hashed using the same hashing algorithm, and in response to detecting a match between the received hashed user credential and the stored hashed user credential, performing a user eligibility operation associated with the first transaction.

Abstract: Systems and methods for authenticating a user, the method including receiving an image of a user of a device, identifying a first facial descriptor of the user from the received image and from previously captured images of the user, and determining a difference between the first facial descriptor from the received image and that from the previously captured images. The method further includes identifying a second facial descriptor of a non-user from the previously captured images of the user, and applying facial recognition to images stored in a plurality of second social networking profiles associated with a first social networking profile of the user to identify the second facial descriptor from the images stored in the second social networking profiles. Based on the difference and the second facial descriptor, the user may be authenticated.

Abstract: Systems and methods are provided for providing alerts to a user. The systems and methods may include a financial service provider including a memory device storing instructions. The financial service provider may also include at least one processor configured to execute the instructions to perform a plurality of operations. The operations may include receiving data relating to an activity of a user. The operations may also include identifying a merchant based at least on the received data. The operations may also include accessing historical fraud or disputes data associated with at least one of the user and the merchant. The operations may also include determining whether the received data triggers an alert. The operations may further include sending an alert message to a user device associated with the user when the processor determines that the received data triggers the alert.

Abstract: Systems and methods for authenticating a user, the method including receiving an image of a user of a device, identifying a first facial descriptor of the user from the received image and from previously captured images of the user, and determining a difference between the first facial descriptor from the received image and that from the previously captured images. The method further includes identifying a second facial descriptor of a non-user from the previously captured images of the user, and applying facial recognition to images stored in a plurality of second social networking profiles associated with a first social networking profile of the user to identify the second facial descriptor from the images stored in the second social networking profiles. Based on the difference and the second facial descriptor, the user may be authenticated.

Abstract: In certain embodiments, a presentation of a user interface may be dynamically modified for a user based on data related to the user's email address or other user identifier. As an example, the user interface may be caused to reflect the look and feel of an interface of an entity trusted by the user, incorporate data items related to the user's identifier, or effectuate other modifications. In some embodiments, a user identifier of a user may be received via a user interface associated with the third party, and a query for data related to one or more user accounts associated with the user identifier may be generated. Based on the query, multiple datasets associated with different user accounts may be received, and a first dataset associated with a first account of the user may be selected over other datasets associated with the user's other accounts effectuate the presentation modification.

Abstract: Disclosed embodiments include methods, systems, and computer-readable media configured to provide wearable devices storing tokens associated with digital versions of physical documents/cards. The wearable devices may further transfer tokens securely to interested parties without Bluetooth® or other network connectivity beyond NFC radio. In some embodiments, a token vault operator system may receive a request to establish a token vault account for a user, authenticate an identity of the user based at least on the received request, and generating a token vault ID associated with the user. The token vault operator system may further configure access to data sets generated for and associated with the token vault ID, generate tokens associated with the token vault ID, each token corresponding to one of the one or more data sets, and provide the generated plurality of tokens associated with the token vault ID to at least one user device.

Abstract: Systems and methods are provided for providing alerts to a user. The systems and methods may include a financial service provider including a memory device storing instructions. The financial service provider may also include at least one processor configured to execute the instructions to perform a plurality of operations. The operations may include receiving data relating to an activity of a user. The operations may also include identifying a merchant based at least on the received data. The operations may also include accessing historical fraud or disputes data associated with at least one of the user and the merchant. The operations may also include determining whether the received data triggers an alert. The operations may further include sending an alert message to a user device associated with the user when the processor determines that the received data triggers the alert.

Abstract: A computing system may receive a request of the user for a first action of the user with an entity. In connection with granting the request of the user, the computing system may configure a token for use by the user and the entity such that (i) the entity is added as an approved entity, and (ii) the token is configured with a resource amount of the first action as a usage threshold of the token. The computing system may receive a request of the entity to use the token. The computing system may determine whether granting the request of the entity would cumulatively exceed the usage threshold of the token. Based on a determination that granting the request of the entity would not cumulatively exceed the resource usage of the token, the computing system may grant the request of the entity to use the token.