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: 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: Systems and methods for autonomous banking resources are disclosed. Embodiments include a mobile banking resource including an unmanned motorized vehicle, a controller configured to control the movement of the motorized vehicle, an authentication device configured to verify the identity of a user, a server configured to communicate with the controller and the authentication device, and a user interface module configured to interface with the user conducting a transaction. The user interface module may include a user input device configured to receive user input, and a communication interface module configured to communicate with a server and the user input device. The controller may be configured to operate the motorized vehicle to move the motorized vehicle to a location based on a predicted behavior of the user.

Abstract: Systems and methods for authenticating identification information are disclosed. For example, a system may include an Automated Teller Machine (ATM). An ATM may comprise a user interface. The user interface may comprise a joystick. The user interface may be configured to receive joystick input from a user. The ATM may comprise at least one memory storing instructions. The ATM may comprise at least one processor configured to execute the instructions to perform operations. The operations may comprise receiving identification information from the user. The operations may comprise receiving the joystick input. The operations may comprise extracting a joystick sequence from the joystick input. When the joystick sequence is within a predetermined threshold from a stored joystick sequence corresponding to the identification information, the operations may comprise authenticating the user for an ATM operation.

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: Systems and methods for improved security authentication are disclosed. In some embodiments, an improved system for security authentication may include a plurality of computing devices, and a server system communicatively coupled to the plurality of computing devices. The server system may be configured to receive a request for security authentication, determine an authorization providing computing device from among the plurality of computer devices based on authentication preferences stored in a database communicatively coupled to the server system, generate and transmit authentication information to the determined authorization providing computing device, receive, from an initiating computing device an authentication input, determine whether the received authentication input matches the transmitted authentication information, and complete the request for security authentication when the received authentication input matches the generated and transmitted authentication information.

Abstract: A device receives, from a user device, a communication associated with a support issue encountered by a user of the user device and assigns the communication to a position in a support queue based on when the communication is received, wherein the support queue includes data identifying positions of other communications received from other users, and data identifying when the other communications were received. The device processes data identifying the communication and historical communication data describing prior communications associated with the user, with a model, to determine an average time spent on hold by the user for the prior communications. The device modifies the position of the communication in the support queue based on the average time and performs one or more actions based on modifying the position of the communication in the support queue.

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: 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: An apparatus is disclosed herein. The apparatus includes a first liner, a second liner, one or more fastening components, and one or more prongs. The one or more fastening components couples the first liner to the second liner, defining an opening between. The one or more prongs are positionable between a closed position within the opening and an open position exterior to the opening. The one or more prongs include a payment prong. The payment prong includes a body free, a payment chip receptacle, and a payment chip. The body is free from any personal identification information. The payment chip receptacle is attached to the body. The payment chip is positioned in the payment chip receptacle. The payment chip is removable therefrom.

Abstract: A gifter initiates a digital gift reward for a giftee at a location. The digital gift reward is generated and associated with the location. The giftee is notified either when the digital gift reward is generated and/or when the giftee is near the location of the digital gift reward. The giftee receives instructions for claiming the digital gift reward, the instructions include conditions for transferring the digital gift reward to the giftee. The giftee can receive directions for navigating to the digital gift reward. The directions can be augmented reality based directions. When the conditions are satisfied, the digital gift reward can be transferred from the gifter's account to the giftee's account. The gifter may earn a gifting reward upon transfer of the digital gift reward. The gifting reward can be transferred to the gifter's account. The accounts are updated to reflect all transfers.

Abstract: Embodiments disclosed herein generally related to a system and method for assessing a fraud risk. In one embodiment, a method for assessing a fraud risk is disclosed herein. A web browser extension executing on the computing device identifies an account associated with the computing device. The web browser extension detects that the computing device navigated to a web page hosted by a third party server. The web browser extension determines that the third party server prompted the computing device to opt into two-factor authentication functionality. The web browser extension determines that the computing device did not opt into the two-factor authentication functionality. The web browser extension prompts, via an application programming interface (API), an organization computing system to update a fraud metric associated with the account.

Abstract: The innovation disclosed, in one aspect thereof, comprises systems and methods of a browser extension for product quality. Online shopping by a user can be monitored on a browser by a browser extension or integrated application with the browser. A potential purchase of a product is detected by the integrated application. The product is identified via analysis of a web page and cross reference to known products. The integrated application retrieves warranty claims data from an accessible warranty database. The warranty claims data is analyzed to determine a recommendation of the product. The integrated application presents the recommendation via the browser as an alert to the user.

Abstract: Scroll-based automatic field completion is disclosed. A page displayed by a web browser can be monitored for empty fields as the page is scrolled. Automatic fill or completion of the empty field can be triggered in response to a request to scroll down based on the location of the empty field on the page. Automatic completion can involve determining a type of data associated with the field and retrieving user data of the type from a data store. A machine learning model can also be invoked to predict a user's preference for multiple completion options. Further, automatic refill of a completed field with different information can be initiated in response to a scroll up and the location of the field on the page.

Abstract: Provided are transaction cards including an expanded identification ship. In some approaches, a transaction card may include a body having a first main side opposite a second main side, wherein the body defines an outer perimeter including a first end perimeter opposite a second end perimeter, and a first side perimeter opposite a second side perimeter. The transaction card may further include an identification chip having a plurality of contacts, wherein a first contact of the plurality of contacts extends to at least one of the following: the first end perimeter, the second end perimeter, the first side perimeter, and the second side perimeter.

Abstract: An automated teller machine (ATM) may include an input component and one or more processors. The input component may be configured to detect multi-factor input associated with an account. The multi-factor input may include at least two of: a sequence of characters input via the input component, a force with which at least one character, of the sequence of characters, is input via the input component, a length of time over which at least one character, of the sequence of characters, is input via the input component, or a combination of at least two characters, of the sequence of characters, that are input concurrently via the input component. The ATM may receive the multi-factor input, validate the multi-factor input in association with the account, and selectively permit or deny access to one or more actions associated with the account based on validating the multi-factor input.

Abstract: Systems and methods for authenticating identification information are disclosed. For example, an Automated Teller Machine (ATM) may comprise a user interface. The user interface may comprise a card reader. The card reader may be configured for card rotation about an axis of a bank card. The user interface may be configured to receive card rotation input from a user. The ATM may comprise at least one memory storing instructions. The ATM may comprise at least one processor configured to execute the instructions to perform operations. The operations may comprise receiving identification information from the user. The operations may comprise receiving the card rotation input. The operations may comprise extracting a card rotation sequence from the card rotation input. When the card rotation sequence is within a predetermined threshold from a stored card rotation sequence corresponding to the identification information, the operations may comprise authenticating the user for an ATM operation.

Abstract: In some implementations, a system may capture audio from a call between a calling device and a called device. The system may filter the captured audio to generate a background audio layer. The system may generate an audio footprint that is a representation of sound in the background audio layer. The system may determine that the audio footprint includes a triggering sound footprint based on one or more audio characteristics of the audio footprint. The system may detect synthetic sound based on the audio footprint and after determining that the audio footprint includes the triggering sound footprint, wherein the synthetic sound is indicative of a sound recording. The system may transmit a notification to one or more devices associated with the call based on detecting the synthetic sound.

Abstract: The present disclosure relates to systems and methods for using haptic vibration for inter-device communication. In one implementation, a system for inter-device communication using haptic vibration may include at least one force gauge configured to measure displacements caused by an external device in contact with the at least one force gauge; at least one memory storing instructions; and at least one processor configured to execute the instructions to: receive an identifier associated with a user; retrieve a pattern associated with the received identifier; receive, from the at least one force gauge, one or more measurements over a period of time; assess a degree of difference between the received one or more measurements and the retrieved pattern; and, when the degree of difference is below a threshold, authenticate the user.

Abstract: A device may receive a request from a first user device to access a protected device. The device may verify a user identity of a user of the first device based on user credentials and determine that an authentication code is needed to authenticate the request to access the protected device. The device may dynamically generate multiple codes and transmit the multiple codes to a second user device associated with the user identity of the user of the first device. A first code, of the multiple codes, may correspond to a correct authentication code needed to authenticate the request to access the protected device. The device may transmit a message including an instruction for identifying the correct authentication code from among the multiple codes, receive a second code from the first device, compare the second code and the first code, and selectively authenticate the request to access the protected device.