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 computer-implemented methods disclosed herein relate to detecting errors in manually entered data. In one embodiment, the system can identify a named entity automatically from a conversation between a customer and service agent with a named entity recognition model that employs natural language processing and machine learning to detect a word or string of words in the conversation that corresponds to a named entity category. In another embodiment, the system can determine whether data entered into a field on a service platform by the service agent includes an error by comparing the data entered with the named entity. In another embodiment, the system can transmit an alert to the service agent through the service platform when there is a mismatch between the named entity and the data entered.

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: In some implementations, a user device may detect a communication associated with the user device and a user. The user device may analyze, using a machine learning model, a context of the communication to determine a risk score associated with the communication, the risk score indicating a likelihood that the communication is associated with a fraudulent actor attempting to solicit sensitive information from the user. The user device may monitor the communication to identify a trigger in the communication that indicates that sensitive information is to be shared, wherein monitoring the communication includes performing one or more operations to secure the communication based on the risk score satisfying one or more thresholds. The user device may detect, based on monitoring the communication, a portion of the communication that includes the sensitive information. The user device may obfuscate the portion of the communication.

Abstract: Methods, systems, and apparatuses are described herein for associating past auction bidding activity with subsequent financial transactions. A computing device may receive, from a web browser plugin of a web browser application executing on a user computing device, bid information relating to bids placed by a user on an auction website. Such information may be collected by, for example, scraping the Document Object Model of the website. After the auction ends, the computing device may determine a plurality of different candidate financial transactions for the user. Based on an estimated payment amount, the computing device may select, from the plurality of different candidate financial transactions, a matching financial transaction, then output an association between a bid and the matching financial transaction.

Abstract: Embodiments of systems and methods for generating virtual account-linked cards are described. A virtual account-linked card may be generated in response to a determination that a physical account-linked card has been forgotten at a card reader and ingested by the card reader. A virtual account-linked card may be restricted such that it can only be used to execute a transaction with authorized transaction partners identified in a database.

Abstract: Systems and methods for authenticating a user may include transmitting a request for a first set of information after validation of authentication information; receiving a response comprising the first set of information; parsing the first set of information using one or more template-based algorithms by scanning one or more websites to determine publicly available information associated with a user; comparing compare one or more results of the parsing with a second set of information to yield compromised information associated with the user; eliminating one or more portions of the second set of information based on the comparison; presenting a third set of information to authenticate the user based on the elimination and by supplementing the first set of information with a fourth set of information; and presenting a fifth set of information to authenticate the user if the third set of information fails to reach a predetermined threshold number.

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: Disclosed embodiments may include a system for intelligent alerting. The system may receive data and activity status information corresponding to a user. Based on the data and activity status information, the system may determine whether a first user alert is required, and if so, may determine a first type of alert and a first time to present the first type of alert to the user. The system may cause a user device to present the first type of alert to the user at the first time.

Abstract: Disclosed embodiments accelerate web form completion based on email address analytics. An email address can be input with respect to a web form and identified. The email address can be parsed into a username and a domain name and analyzed. A value of a web form field can be determined based on data extracted from the username, domain name, or both. The determined value can then be employed to automatically complete a corresponding web form field Values for additional fields can be computed based on the determined value alone or combined with data from other sources. User input and interaction with a web form can be monitored and used as a basis to dynamically complete additional fields, alter fields, or clear field values.

Abstract: In certain embodiments, image-feature malicious-activity detection and access prevention may be facilitated, where an activity notification associated with a transaction triggers feature detection for at least one image related to a different transaction. In some embodiments, a first image (received in connection with a first transaction) may be associated with the first transaction, and a second image (received in connection with a second transaction) may be associated with a second transaction. In response to a malicious activity notification associated with the first transaction, an identifying characteristic (e.g., a facial feature) detected in the first image may be used to determine whether to prevent access to an account related to the second transaction. As an example, in response to determining that the identifying characteristic is present in the second image, access to the account related to the second transaction may be prevented.

Abstract: In a method for transferring payment account information, a payment information transfer request is received from an account holder device associated with a first provider account. A list of payees to which electronic payments have been made from the first provider account is transmitted to the account holder device for display to the account holder and a user selection of at least one selected payee from the list of one or more payees is received from the account holder device. A payment account information data file is assembled in a predetermined data format, the file including payment account information for each selected payee. The payment account information data file is then transmitted to at least one of the set consisting of the account holder device and an information processing system of a second account provider.

Abstract: A computer vision card reader and/or point of sale device is described. The device is configured to sense when a user inserts a card into a card reader and to determine when a user departs or is about to depart from the device without retrieving the card. The device may issue an audible or visible alert to the user, reminding the user to retrieve the card. The device may additionally send a notification to a mobile device associated with the user that reminds the user that he has left a card at the point of sale. In some embodiments, message sent to the user contains a code and, upon entry of the code, the point of sale or card reader device returns the card to the user.

Abstract: Systems and methods are provided for group bill payment comprising creating a secure group bill payment account associated with a plurality of group members. The group bill payment account may be configured to receive information via a network from the plurality of group members; permit a group member to manage the group bill payment account following an authentication process; and transmit a group payment to a provider. Systems and methods may further comprise receiving instructions from a group member to create a rule for requesting payment, the bill being from a provider and associated with group members; receiving the bill issued by the provider; determining a charge based on the bill and the rule; sending a payment request based on the charge; receiving a deposit into the group bill payment account; transmitting a group payment; and sending a notification.

Abstract: In some embodiments, the present disclosure provides an exemplary method that may include steps of monitoring, a conversation script between a call center agent and a customer; utilizing, a speech-to-text deep machine learning model to transcribe the audio call to text; utilizing, a natural language processing deep machine learning model to map intent mappings of the audio call; utilizing, a similarity measurement model to determine a semantic similarity between predefined intent mappings and the intent mappings of the call audio text; determining, an error based on the semantic similarity in the intent mapping call audio text; determining a training session based on the error.

Abstract: In some implementations, a storage optimization system may receive a plurality of emails. Accordingly, the system may identify at least one email associated with a limited capacity in the plurality of emails. The system may further scan, from the at least one email, one or more hyperlinks to determine a website associated with the at least one email and an identifier associated with an event. The system may determine, using a database, a traversal path and at least one application programming interface (API) call associated with the website. Accordingly, the system may traverse the website using the traversal path and the at least one API using the identifier to determine that the limited capacity is filled. The system may delete the at least one email associated with the limited capacity based on determining that the limited capacity is filled.

Abstract: In a method for securing a web browser, display instructions for displaying web content are received from a content server by a web browser operating on a client computing device. The web browser creates a document object using the display instructions and determines from the document object whether one or more of the display instructions meet font profiling criteria selected to identify attempts to profile font display characteristics of the web browser. Responsive to a determination that font profiling criteria are met, the web browser alters a character display of the document object and implements the document object for displaying the web content on the client computing device.

Abstract: Disclosed herein are system, method, and computer program product embodiments for asset-invoked reaction indication. According to some aspects of this disclosure, a first device may request to send an asset to a second device. A response action for the asset may be identified based on a user profile associated with the second device and a type of the asset. The asset may be sent to the second device responsive to identifying the response action. The response action may be triggered based on an indication that the second device received the asset.

Abstract: Methods and systems are described herein for novel uses and/or improvements to sharing cryptographic tokens based on user's real-world actions through social media so those real-world actions may be confirmed as authentic (e.g., verified and/or validated). More specifically, methods and systems disclosed herein enable sharing validated user activity by generating and using cryptographic tokens. The system may ensure that the cryptographic tokens verify the user's activity. The system may extract token data of a cryptographic token to post to a social media platform for activity verification. Thus, by using cryptographic tokens of the user's activity data, the system is able to verify the user's activity.

Abstract: Disclosed embodiments and aspects thereof pertain to user authentication. An original image can be selected from an electronic device of a user. Computer-generated images can be based on the original image such that the computer-generated images appear similar but are distinguishable such that the user can recognize them as computer-generated. The original image and one or more computer-generated images can be conveyed to a user device for display and selection. The user can be authenticated based on user input identifying the original image.