Abstract: A system and method for allowing a single live customer service agent to simultaneously serve multiple customers. According to various embodiments, a virtual agent operates at the front end to receive and attempt to handle customer issues. The virtual agent employs speech recognition and intent mapping in order to generate a proposed response that attempts to identify and resolve customer issues. In some scenarios, the proposed response includes both a response message and a response action to be taken. A chat history and the proposed response is then provided to the live agent. The live agent reviews the information provided, and determines whether the proposed response is appropriate. The live agent then approves the response or revises or replaces the response. The final response is sent back to the virtual agent for processing and providing to the customer.

Abstract: A first device may receive a request to establish a replication session between a second device and a third device, where the replication session is associated with replicating user interactions with a user interface of an application across a first instance and a second instance of the application. The first device may receive, after receiving the request, information identifying a set of interactions by a user of the second device with a first user interface provided for display by the first instance. The first device may determine, from the information, a set of instructions related to causing an indication for the set of interactions to be provided for display on a second user interface provided for display for the second instance based on the information being received from the second device. The first device may provide, after determining the set of instructions, the set of instructions to the third device.

Abstract: Systems and methods for generating real-time resource reduction notifications are described. The system receives, for a user system, a resource consumption and a dataset during a first period of time. The system processes the dataset to determine other user systems similar to the user system. The system generates an expected resource consumption of the user system during the first period of time based on resource consumption during one or more periods of time for the similar user systems. If the resource consumption of the user system exceeds the expected resource consumption, the system determines an action to reduce resource consumption of the user system. The system receives a reduced resource consumption of the user system during a second period of time. The system generates a notification to the similar user systems indicating the executed action and an amount of reduction in resource consumption.

Abstract: Systems and methods of the present disclosure enable automated identification of restrictions on reversals of data entries by receiving location data from a computing device associated with a user, and utilizing a data profile classification machine learning model to classify a particular data profile according to a data profile classification type based at least in part on a history of data entries associated with the particular data profile when the physical location is within a predetermined proximity of another physical location associated with the particular data profile. A reversal rate of data entries in the history of data entries is determined for the particular data profile. An electronic activity reversal restriction is determined where the reversal rate is below a predetermined value, and a pop-up notification is presented on the computing device notifying the user of the electronic activity reversal restriction of the particular data profile.

Abstract: In some implementations, a browser extension may receive a setting indicating a level of verbosity and may receive an image and a set of words associated with the image. The browser extension may identify a foreground of the image and a background of the image and may identify, within the foreground of the image, a set of objects. The browser extension may rank the set of objects based on one or more properties of the set of objects and the set of words and may select a subset of objects from the set of objects based on the setting and the ranking. Accordingly, the browser extension may generate descriptions of the selected subset of objects based on the setting and may input the generated descriptions to a text to speech algorithm.

Abstract: A method may include receiving activity data associated with a user, wherein the activity data relates to online activity involving a product type, identifying the product type associated with the activity data, and predicting, based on the activity data, that the user is likely to purchase a product of the product type. The method may include generating, based on predicting that the user is likely interested in purchasing the product of the product type, an annotation to indicate that a potential transaction to purchase the product is forthcoming, and storing the annotation in a profile associated with an account of the user. The method may include detecting a transaction to purchase the product, wherein the transaction involves a payment from the account, and performing an action associated with a fraud analysis of the transaction based on the annotation.

Abstract: Systems and methods for unlocking a user experience are provided. A method can include receiving, via a short-range communication antenna of a mobile device, encrypted data from a contactless card, successfully decrypting the encrypted data to authenticate the contactless card, receiving, via the short-range communication antenna of the mobile device, a uniform resource locator (URL) from the contactless card, determining, using machine learning, one or more functions most likely desired by a user of the mobile device, and dynamically redirecting the URL to a website or a mobile application on the mobile device for performing the one or more functions most likely desired by the user of the mobile device.

Abstract: Systems and methods for powering display screens on contactless cards are provided. A contactless card can include a display screen embedded in a body of the contactless card, and the display screen can be powered when the contactless card interacts with a separate device, such as a mobile device or a point-of-sale (POS) terminal, to display personal account information associated with the contactless card or an owner of the contactless card. In particular, when certain conditions are met, the separate device can transmit a signal to the contactless card with energy in the signal, and the contactless card can use the energy received in the signal to power the display screen to display the personal account information that is otherwise hidden.

Abstract: The disclosed systems and techniques discussed herein include a client device that offers a service to a customer in exchange for approval by customer to transfer customer data to a merchant system. The client device initiates a session with a merchant system to receive the customer data from a bank system and requests approval from the customer to transfer the customer data. By presenting a contactless card to the client device, the contactless card passes a message to the client device and the client device communicates the message with the bank system to validate the contactless card. After validation of the contactless card, the bank system communicates the customer data to the merchant system via a switchboard network to establish the service for the customer.

Abstract: Disclosed embodiments may include a system for providing customized recommendations via data analysis. The system may receive transaction data associated with a user. The system may cause a user device associated with the user to display a notification prompting the user to provide image data. The system may receive the image data. The system may identify, from the image data via computer vision, first object(s). The system may generate, via an MLM, first item recommendation(s) based on the first object(s). The system may cause the user device to display, via the GUI, the first item recommendation(s). The system may receive type(s) of travel data. The system may generate, via the MLM, second item recommendation(s) based on the type(s) of travel data. The system may transmit, to a merchant system, a request to purchase at least one item at a predefined location based on the second item recommendation(s).

Abstract: Methods and systems are described herein for facilitating token use authentication for access tokens using stochastic images. The system may detect an authentication request to authenticate use of an access token. The access token may be associated with a first image previously displayed to an authenticated user of the access token. The system may retrieve the first image previously displayed to the authenticated user and input parameters previously used to generate the first image. The system may obtain, from a stochastic machine learning model based on the input parameters, a second image different from the first image. The system may generate, for display, an image set including the first image and the second image and may receive a selection of the first image from the image set. The system may then grant the authentication request based on the selection of the first image.

Abstract: In some implementations, a user device may receive, from a first other device, a first message, wherein the first message includes information indicating an event associated with an account of a user of the user device. The user device may provide, based on receiving the first message, a virtual keyboard for display on a display screen of the user device. The user device may obtain, based on providing the virtual keyboard, particular input. The user device may send to a second other device, and based on the particular input, a second message, wherein sending the second message is to cause the second other device to perform one or more actions associated with the event that is associated with the account of the user.

Abstract: In some implementations, a user device may obtain an input stream, wherein the input stream is obtained via a virtual keyboard provided by the user device. The user device may process the input stream to determine that the input stream includes particular information. The user device may cause, based on determining that the input stream includes the particular information, one or more security parameters associated with an account of a user of the user device to be modified.

Abstract: A device may receive an input that indicates a request to initiate a transaction at an ATM device. The device may instruct the user to capture one or more images of the ATM device. The device may determine that an image has been captured and process the image to determine first information that identifies the ATM device. The device may send the first information to a server device and receive a signal that indicates the ATM device has been validated. The device may cause an augmented reality (AR) overlay to be displayed, wherein the AR overlay includes second information related to authenticating the user to the ATM device. The device may determine whether a user action is performed with respect to the second information included in the AR overlay, and perform a device action related to the second information, the ATM device, or the AR overlay.

Abstract: Techniques for leveraging completion logic may include: obtaining imaging data from a user device; detecting, via optical character recognition (OCR), an indeterminate alphanumeric sequence in the imaging data, the indeterminate alphanumeric sequence having at least one three-dimensional alphanumeric character with an indeterminate value; obtaining reflective pattern data of the alphanumeric sequence; predicting at least one value for the at least one three-dimensional alphanumeric character based on the reflective pattern data; and determining a complete alphanumeric sequence based on the at least one predicted value of the at least one three-dimensional alphanumeric character.

Abstract: Techniques for leveraging completion logic may include: obtaining image data via a user device; detecting, via optical character recognition (OCR), an indeterminate alphanumeric sequence in the image data, the indeterminate alphanumeric sequence including at least one indeterminate character; predicting at least one value for the at least one indeterminate character based on one or more of a predetermined syntax of the alphanumeric sequence or content of the image data separate from the alphanumeric sequence; and determining a complete alphanumeric sequence based on the at least one predicted value and the indeterminate alphanumeric sequence.

Abstract: In some implementations, a card may communicate with an exchange terminal to complete the first exchange associated with an entity, wherein the first exchange is associated with the entity providing a validation of a second exchange associated with a charge for parking a vehicle. The card may receive, from the exchange terminal, an indication of the validation code based on communicating with the exchange terminal to complete the first exchange, wherein the validation code indicates the validation of the second exchange. The card may store the validation code and a time indicator associated with receiving the indication of the validation code. The card may transmit, to an exit terminal, an indication of the validation code and the time indicator to cause an amount associated with the second exchange to be at least partially reduced, wherein the exit terminal is associated with completing exchanges for vehicles parked in the location.

Abstract: A system for interfacing with a server over a network to improve efficiency of image processing using multiple machine learning models. The system receives a captured image that is captured via a mobile application and interfaces with the server, over the network, and via an application program interface (API) to determine that a reference image, required for use of the first machine learning model, has not been provided for the captured image. The system further reserves an execution of the second machine learning model for the captured image until the first machine learning model is insufficient for the captured image and performs the execution of the second machine learning model for the captured image based on reserving the execution of the second machine learning model until the first machine learning model is insufficient for the captured image and based on determining that the reference image is not provided for the captured image.

Abstract: Methods and systems are described for verifying an identity of a user through contextual knowledge-based authentication. The system described uses contextual knowledge-based authentication. By verifying an identity of a user through contextual knowledge-based authentication, the verification is both more secure and more intuitive to the user. For example, by relying on confidential and/or proprietary information, the system may generate verification questions, the answers to which are known only by the user.

Abstract: Disclosed embodiments may include a method for validating intended recipients for electronic funds transfer by receiving recipient identification information from a user device, identifying a list of one or more candidate recipients based on the recipient identification information, and outputting the list of the one or more candidate recipients for display via a graphical user interface (GUI) of the user device. Next, for each candidate recipient of the one or more candidate recipients, the method can identify one or more themes associated with past transactions associated with the candidate recipient, and, responsive to dynamically receiving transfer memo information from the user device, dynamically adjust an order of the list of the one or more candidate recipients for display via the GUI of the user device based on comparing the one or more themes and the transfer memo information.