Abstract: Example embodiments of systems and methods for data transmission between a contactless card, a client application, and a server are provided. The memory of the contactless card may include a first card number table storing a first plurality of card numbers, each card number associated with a user account. A first applet may cycle through the first card number table and transmit each of the first plurality of card numbers to a second applet. In response to detection of one or more gestures by the card, the client application may read one or more of the first plurality of card numbers from the second applet and transmit a verification request associated with the one or more read card numbers to the server, which may compare the one or more read card numbers to a number from a second card number table and transmit a verification determination to authenticate the card.

Abstract: A processing platform may receive a plurality of images. The processing platform may determine respective asset types of the plurality of assets based on a computer vision technique. The processing platform may determine respective estimated values of the plurality of assets based on the respective asset types. The processing platform may provide information identifying the respective estimated values of the plurality of assets to two or more recipients. The processing platform may receive allocation information. The processing platform may determine a selected allocation of the plurality of assets for the two or more recipients based on the allocation information and using a second model. The processing platform may perform one or more actions based on the selected allocation.

Abstract: Disclosed herein are systems and methods for account status monitoring. The method can include receiving user registration information and account information corresponding to a first user account. The account information can include first user credit information. The method can include analyzing, by a machine learning rules engine, the account information and the user registration information to create a user behavior pattern associated with the first user account. The method can further include determining an anomaly in the user behavior pattern indicative of a life event. Based on the life event and the user registration information, the method can determine a second user account and corresponding account information comprising second user credit information. In response, the method can include predicting, by a convolutional neural network, an effect on the second user credit information resulting from the transfer of the first user credit information to the second user account.

Abstract: Disclosed herein are system, method, and device embodiments for implementing password suggestion. An embodiment operates by selecting one or more random terms from dictionary information, generating an alphanumeric string based on a password requirement, combining the one or more random terms and the alphanumeric string to form a generated password, determining a password strength of the generated password based on compromised password information, and presenting the generated password for selection by a user device when the password strength meets or exceeds a threshold value.

Abstract: The present embodiments disclose systems and methods for authenticating a user with behavioral biometrics associated with a card. The card includes an accelerometer configured to measure the orientation of the card body. The system includes the card and a software application. The software application generates a user profile based on observed card biometrics, then determines whether a recent transaction significantly deviates from the profile.

Abstract: Systems and methods for preventing fraud using behavioral biometrics may include a server with memory and a processor. The processor may be configured to create a behavioral biometric use-print for a user based on a plurality of observed and recorded user interactions and then monitor one or more behavioral biometrics of the user while the user accesses a user account. These monitored behavioral biometrics may be compared against the behavioral biometric use-print to determine if there are material deviations indicating that the user is under stress. When the server determines that the user is under stress, it may provide an intervention to help safeguard against potential in-process fraud.

Abstract: Example embodiments of systems and methods for data transmission between a contactless card, a client application, and a server are provided. The memory of the contactless card may include a first card number table storing a first plurality of card numbers, each card number associated with a user account. A first applet may cycle through the first card number table and transmit each of the first plurality of card numbers to a second applet. In response to detection of one or more gestures by the card, the client application may read one or more of the first plurality of card numbers from the second applet and transmit a verification request associated with the one or more read card numbers to the server, which may compare the one or more read card numbers to a number from a second card number table and transmit a verification determination to authenticate the card.

Abstract: A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. The card frame may include a window in which contact pads of the transaction card are positioned and flush with the surface of the card frame when the transaction card is secured in the receptacle. The card frame and transaction card assembled together may form a uniform assembly that appears and functions as a traditional transaction card (e.g., credit card).

Abstract: A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. Each of the card frame and the transaction card may be capable of performing contactless data transactions individually. In some instances, the combined assembly of the card frame with the transaction card may detect a proximity of a mobile device to the assembly and generate an authentication credential that is unique to the combination of the card frame, the transaction card, and the mobile device. The authentication credential may be used to authentic the transaction card when conducting a data transaction.

Abstract: A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. Each of the card frame and the transaction card may be capable of performing contactless data transactions individually. The combined assembly of the card frame with the transaction card secured in the receptacle is also capable of performing contact data transactions. The transaction card and/or the card frame may include one or more visual or tactile regions that allow the transaction card and card frame to be distinguished from other cards and/or to be properly oriented and aligned with one another when combined to form the card assembly.

Abstract: A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. Each of the card frame and the transaction card may be capable of performing contactless data transactions individually. The combined assembly of the card frame with the transaction card secured in the receptacle is also capable of performing contact data transactions, and in some instances, with an identifier that is distinct from the card frame or the transaction card alone. The card frame may include a processor enabling it to perform data encryption and authentication of the smaller transaction card.

Abstract: Disclosed herein are systems and methods for account status monitoring. The method can include receiving user registration information and account information corresponding to a first user account. The account information can include first user credit information. The method can include analyzing, by a machine learning rules engine, the account information and the user registration information to create a user behavior pattern associated with the first user account. The method can further include determining an anomaly in the user behavior pattern indicative of a life event. Based on the life event and the user registration information, the method can determine a second user account and corresponding account information comprising second user credit information. In response, the method can include predicting, by a convolutional neural network, an effect on the second user credit information resulting from the transfer of the first user credit information to the second user account.

Abstract: A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. Each of the card frame and the transaction card may be capable of performing contactless data transactions individually. The combined assembly of the card frame with the transaction card secured in the receptacle is also capable of performing contact data transactions. The transaction card and/or the card frame may include one or more visual or tactile regions that allow the transaction card and card frame to be distinguished from other cards and/or to be properly oriented and aligned with one another when combined to form the card assembly.

Abstract: A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. The card frame may include a window in which contact pads of the transaction card are positioned and flush with the surface of the card frame when the transaction card is secured in the receptacle. The card frame and transaction card assembled together may form a uniform assembly that appears and functions as a traditional transaction card (e.g., credit card).

Abstract: A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. Each of the card frame and the transaction card may be capable of performing contactless data transactions individually. In some instances, the combined assembly of the card frame with the transaction card may detect a proximity of a mobile device to the assembly and generate an authentication credential that is unique to the combination of the card frame, the transaction card, and the mobile device. The authentication credential may be used to authentic the transaction card when conducting a data transaction.

Abstract: A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. Each of the card frame and the transaction card may be capable of performing contactless data transactions individually. The combined assembly of the card frame with the transaction card secured in the receptacle is also capable of performing contact data transactions, and in some instances, with an identifier that is distinct from the card frame or the transaction card alone. The card frame may include a processor enabling it to perform data encryption and authentication of the smaller transaction card.

Abstract: A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. Each of the card frame and the transaction card may be capable of performing contactless data transactions individually. The combined assembly of the card frame with the transaction card secured in the receptacle is also capable of performing contact data transactions, and in some instances, with an identifier that is distinct from the card frame or the transaction card alone. The card frame may include a processor enabling it to perform data encryption and authentication of the smaller transaction card.

Abstract: Disclosed herein are system, method, and computer program product embodiments for recommending a service provider. An embodiment operates by receiving a search request specifying a service request by a user and location for the requested service, retrieving prior financial transactions of the user to purchase the service from a database, and determining a preference of the user based on the retrieved prior financial transactions. The embodiment further operates by applying the preference to a model trained to output a recommended service provider and selecting the recommended service provider for display on a user's device. The model more likely recommends service providers in the location having a higher ratio of tip-to-price relative to other providers for the service in the location based on a history of prior financial transactions of a plurality of users.