Abstract: There are provided systems and methods for targeted authentication queries based on detected user actions. A user may perform various actions during a day, including online, electronic, or digital actions, such as social networking, messaging, and media consumption, as well as real-life actions, such as exercise, travel, and purchases. The actions may be used to determine a user history for the user by a service provider. When the user wishes to login to an account or otherwise authenticate the identity of the user, the user may provide login or authentication credentials. The credentials may be used to look up the user history and cause the service provider to generate an authentication—query for the user based on events associated with the user in the user history. The query may be utilized to further authenticate the user by requiring the user to respond with the event associated with the user.

Abstract: Systems, methods, and non-transitory computer readable media for visualizing user spending data in an altered reality are provided. Spending data includes items purchased, budgets for specific rooms or categories, prices paid, dates of purchase, and amounts spent. The user may interact within the altered reality to manage spending and move budgets between rooms or categories.

Abstract: There are provided systems and methods for load balancing for map application route selection and output. A user may utilize a device application to map or route between two or more endpoints, such as geo-locations entered or detected by the device. During calculation of a travel route between the endpoints, real-time data, user preferences, and requesting entities may provide criteria data that may cause determination of a particular travel route, where the travel route may be longer than a most efficient route but within a pre-defined variable time or distance allotment and match the criteria data. Use of the route may accrue a form of compensation for the user. The user may view an application interface displaying the route, which may further include one or more executable processes to cause recalculation of the route. Recalculation of the route may require the user to provide credits or compensation.

Abstract: One or more Bluetooth® low energy (BLE) beacons in communication with a remote server that provides check in capabilities and payment capabilities may be installed at a location. The BLE beacons may connect with a user's mobile device when the user enters the location and allow the user to check in to the location and authorize payments to be made at the location. Once the user is checked in to the location, the user may be provided with additional functionality, benefits, offers, and applications related to the location and facilitated by the check in. Further, the user may be pre-checked in into a next location when the user is at a current location.

Abstract: There are provided systems and methods for edge computing storage nodes based on location and activities for user data separate from cloud computing environments. A service provider, such as an online transaction processor, may provide additional services for to users via edge computing systems and edge computing storage nodes. The service may be for data that may be predictively loaded to the edge computing storage node for a particular location, where the edge computing storage node may reside more locally to the location on a network so that data may be served quicker and with less network resource consumption than providing data from a remote cloud computing storage. The data may be predicted to be needed or useful to the user at the location using a user profile for the user, monitored user activities, and/or one or more machine learning models that predict user behaviors at the location.

Abstract: Methods and systems are presented for authenticating web content. A request to authenticate web content is received from a user device. A first document object model (DOM) tree representing elements of the web content within a hierarchical structure is accessed. A hash value for each node of the first DOM tree is calculated based on the corresponding element of the web content represented by that node. A second DOM tree associated with a host of the web content is retrieved from a database. The second DOM tree represents predefined elements of the web content. The hash value calculated for each node of the first DOM tree is compared with a hash value associated with a corresponding node of the second DOM tree to determine whether the first DOM tree matches the second DOM tree. The web content is authenticated when the first DOM tree matches the second DOM tree.

Abstract: There are provided systems and methods for automated configuration of augmented and virtual reality avatars for user specific behaviors. A user may view a virtual environment and/or capture visual data utilizing a device at a location, where the visual data includes one or more real-world objects, or may interact with a virtual reality environment. An augmented or virtual reality experience may be displayed with virtual objects, graphics, avatars, and/or other virtual visualizations and interactions. A service provider may detect real-time data of the user's behaviors and current events or parameters for the corresponding augmented or virtual reality. Using available avatar customizations and configurations, the service provider may automatically configure avatars for presentation in such digital environments.

Abstract: There are provided systems and methods for utilizing a vehicle to determine an identity of a user. A user may establish a vehicle as associated with the user, such as a vehicle owned by the user or used by the user. The vehicle may include a vehicle device that may be configured to establish connections with other devices using short range and network communications. In various embodiments, the other devices may be devices at merchant locations. Thus, a merchant at the merchant location may be informed about settings, preferences, and/or parameters for use of the vehicle established by the user. The merchant may receive these parameters even if another user is utilizing the vehicle, thus, establishing rules for use of the vehicle by the other user. In other embodiments, the other devices may be devices in other vehicles, allowing the users to communicate and set waypoints during trips.

Abstract: There are provided systems and methods for targeted authentication queries based on detected user actions. A user may perform various actions during a day, including online, electronic, or digital actions, such as social networking, messaging, and media consumption, as well as real-life actions, such as exercise, travel, and purchases. The actions may be used to determine a user history for the user by a service provider. When the user wishes to login to an account or otherwise authenticate the identity of the user, the user may provide login or authentication credentials. The credentials may be used to look up the user history and cause the service provider to generate an authentication—query for the user based on events associated with the user in the user history. The query may be utilized to further authenticate the user by requiring the user to respond with the event associated with the user.

Abstract: There are provided systems and methods for a carbon neutral blockchain protocol for resolving carbon offsetter payments for cryptocurrency transactions. A service provider, such as an online transaction processor, may provide a green wallet and network protocol that provides carbon offsetting fees and payments to carbon offsetters in order to account for carbon emissions and usage when processing cryptocurrency transactions on a blockchain network protocol. A green wallet may be provided, which allows registration of carbon offsetters and use of green addresses to cause cryptocurrency to be processed in a green transaction. A user's digital wallet may sign an initial cryptocurrency transaction and provide the fee to the green wallet. The green wallet may then resolve the cryptocurrency transaction by further signing the transaction and transmitting the fee to a digital wallet of the carbon offsetter over another cryptocurrency processing network.

Abstract: Systems, methods, and non-transitory computer readable media for visualizing user spending data in an altered reality are provided. Spending data includes items purchased, budgets for specific rooms or categories, prices paid, dates of purchase, and amounts spent. The user may interact within the altered reality to manage spending and move budgets between rooms or categories.

Abstract: There are provided systems and methods for detection of fraudulent displayable code data during device capture. A user may utilize a computing device to capture data at a certain location, such as imaging a QR code or reading an RFID reader. However, without knowing that those codes or devices are safe, the user make risk a computing attack on their device. Thus, processes herein provide a manner to detect when codes or devices are unsafe based on the additional data detected when encoded data is captured. In such instances, those codes and devices may be detected as fraudulent and the user may receive a warning of malicious computing attacks. Additionally, the user may be guided to valid codes and devices to utilize and may further receive information on removing such computing attacks.

Abstract: Various systems, mediums, and methods herein describe aspects of an authentication system. The system may receive a request from a user device to authenticate a user. The system may determine a route travelled by the user. The route can be determined based at least on data retrieved from the user device of the user. The system may determine one or more objects viewable along the route. At least one image of the one or more objects can be selected. The system may communicate the at least one image and at least one other image to the user device to be displayed on the user device. The system may receive a selection of the at least one image by the user through a display of the user device. The authentication of the user can be based, at least in part, on the user selection of the at least one image.

Abstract: There are provided systems and methods for on-device data privacy operations to prevent data sharing at user locations. A service provider, such as a merchant location of a merchant and/or associated online transaction processor, may provide additional services for to users via user data that may be tracked or stored of the user. However, the user may not want to share certain data with the merchant or other backend processor for privacy concerns. Thus, on-device data privacy operations may be used to detect when a user is at a location that has a corresponding privacy setting to hide or abstract user data for the location. The privacy setting may designate data to prevent from sharing when the user uses their device with devices associated with the location. Abstracted data associated with recommendations or actions to provide the user may be generated and provided to a merchant for the location.

Abstract: There are provided systems and methods for delivery confirmation using wireless beacons. A merchant may include a wireless beacon, such as a small token or device, inside of a package for delivery. The beacon may communicate with a user device for a user when the package is delivered to the user. The beacon may include recipient information of eligible recipients for the package. The beacon may receive identification information for the user when the user device connects to the beacon. A delivery person in possession of the package may then determine if the user is an eligible recipient for the package using the recipient information and the identification information. After delivery of the package, the user may reuse the beacon by erasing the recipient information from the beacon and storing new recipient information on the beacon. The user may then place the beacon in another package for delivery.

Abstract: There are provided systems and methods for a carbon neutral blockchain protocol for resolving carbon offsetter payments for cryptocurrency transactions. A service provider, such as an online transaction processor, may provide a green wallet and network protocol that provides carbon offsetting fees and payments to carbon offsetters in order to account for carbon emissions and usage when processing cryptocurrency transactions on a blockchain network protocol. A green wallet may be provided, which allows registration of carbon offsetters and use of green addresses to cause cryptocurrency to be processed in a green transaction. A user's digital wallet may sign an initial cryptocurrency transaction and provide the fee to the green wallet. The green wallet may then resolve the cryptocurrency transaction by further signing the transaction and transmitting the fee to a digital wallet of the carbon offsetter over another cryptocurrency processing network.

Abstract: There are provided systems and methods for utilizing a vehicle to determine an identity of a user. A user may establish a vehicle as associated with the user, such as a vehicle owned by the user or used by the user. The vehicle may include a vehicle device that may be configured to establish connections with other devices using short range and network communications. In various embodiments, the other devices may be devices at merchant locations. Thus, a merchant at the merchant location may be informed about settings, preferences, and/or parameters for use of the vehicle established by the user. The merchant may receive these parameters even if another user is utilizing the vehicle, thus, establishing rules for use of the vehicle by the other user. In other embodiments, the other devices may be devices in other vehicles, allowing the users to communicate and set waypoints during trips.

Abstract: Methods and systems are presented for dynamically modifying electronic content presented on a user device by third-party content providers based on goals associated with one or more entities. A content modification system may receive inputs related to goals for a user. The content modification system may synthesize the goals associated with the user. When the user uses a user device to request content from a third-party server, the content modification system may obtain the content and extract items included within the content. The content modification system may modify the content based on the synthesized goals, such as re-arranging the items, highlighting some of the items, or adding and/or removing items. The content modification system may cause the user device to present the modified content.

Abstract: A system includes a service provider device and a point of sale (POS) device. A session between a user device and the POS device is established. An authentication request associated with the user device is provided via a user interface of the POS device. Subsequent to an authentication of information, responsive to the authentication request, the POS device receives funding instrument (FI) proxy information corresponding to FIs, which is unusable to identify the FIs by a merchant. A selectable representation corresponding to the FI proxy information is provided via the user interface. Responsive to receiving an indication of a selected member from the selectable representation, information for the selected member is sent. The service provider device determines that the session corresponds to an account associated with the user device and the merchant, and performs a transaction for the session using a first FI that corresponds to the selected member.

Abstract: Novel technical ways of facilitating secured execution of blockchain transactions are presented. In various embodiments, a system, comprises a non-transitory memory comprising instructions; and one or more hardware processors coupled to the non-transitory memory and configured to read the instructions to cause the system to perform operations comprising: detecting a request from a first user to access one or more digital assets of a first digital wallet of a second user; in response to detecting the request, determining whether to provide access to the one or more digital assets to the first user based on one or more factors, wherein the one or more factors includes a location of the first user, a location of the second user, or one or more characteristics of the first user; and restricting the first user from accessing the one or more digital assets based on the one or more factors.