Abstract: Systems and methods of determining real-time available capacity of a merchant are provided. A plurality of financial transactions involving the merchant can be received during a current time period. A current payment velocity of the financial transactions involving the merchant during the current time period can be determined. The current payment velocity can be compared with a baseline payment velocity associated with financial transactions involving the merchant during a corresponding historical time period. An available capacity of the merchant can be determined, based on a difference between the current payment velocity and the baseline payment velocity.

Abstract: Examples described herein relate to determining an actual, updated goal of a user based on emotional response data captured while an initial goal is visualized or otherwise perceived by the user, including determining an initial goal of a user, displaying an initial video depicting the initial goal, tracking, with an emotion-tracking device, emotions of the user while the video is displayed by the output circuit by determining emotional response data captured by the emotion-tracking device, updating the initial goal based on the emotional response data to determine an updated goal, and displaying the updated goal.

Abstract: A mobile device includes a processing circuit and a network interface structured to communicate data over a network. The mobile device transmits an instance of user activity information to a remote computing system. The mobile device receives and implements, from the remote computing system, a time-limited budget restriction on a user payment account. The time-limited budget restriction is based on a user spending profile that is based on the instance of the user activity information as compared to a baseline level of user spending and a baseline activity characteristic.

Abstract: A magnetic clip includes a first member comprising a load arm and an effort arm, a magnet, and a fulcrum where the load and effort arms meet, the fulcrum including a protrusion and a depression. The magnetic clip also includes a second member comprising a load arm and an effort arm, a magnet or ferromagnetic material for being attracted to the magnet of the first member, such that the load arm of the first member is attracted to the load arm of the second member and, a fulcrum in the second member including a protrusion and a depression. The protrusion of the second member mates with the depression of the first member and the depression of the second member mates with the protrusion of the first member. Wherein the first and second members are not connected by any structural components and are completely separable.

Abstract: An example method includes receiving, by a computing system, from an aggregator computing system, an access request of an account at a financial institution, the access request including a user identifier associated with a user of the account and encrypted authentication information; decrypting, by the computing system, the encrypted authentication information; matching, by the computing system, the decrypted authentication information against stored authentication information associated with the user identifier of the user; and providing, by the computing system, an authentication decision to the aggregator computing system, the authentication decision enabling the aggregator computing system to access and display information of the account to the user.

Abstract: Among other things, embodiments of the present disclosure can help improve the functionality of virtual assistant (VA) systems by determining filtering criteria that applies to inputs received by the system, and storing information associated with the inputs (and controlling access to such information by different users of the VA system) in accordance with the filtering criteria.

Abstract: A mobile device includes a processing circuit and a network interface structured to communicate data over a network. The mobile device generates and transmits a request to register for an alert program to a remote computing system and the mobile device renders a registration interface comprising a prompt asking permission to access user activity information. In response to receiving permission, the mobile device transmits an indication of approval to a remote computing system. After transmitting approval, the mobile device transmits an instance of the user activity information to the remote computing system. In response to sending the instance, the mobile device receives and implements a time-limited budget restriction on a user payment account where the time-limited budget restriction is based at least in part on the instance of the user activity.

Abstract: A system for monitoring financial threats includes: at least one central processing unit and system memory that causes the system to: receive information about a threat associated with a financial services device; identify a type of the threat; identify a location associated with the threat; and notify one or more customers associated with the financial services device based upon the type or the location of the threat.

Abstract: An example method includes receiving an encrypted biometric enrollment data and user identifier data. The encrypted biometric enrollment data includes at least one biometric enrollment sample from a user encrypted using an encryption key. The encryption key is generated based on a user secret and the user identifier is associated with the user. The user identifier is matched with a stored user secret. A decryption key is generated based on the stored user secret. The encrypted biometric enrollment data is decrypted using the decryption key. The at least one biometric enrollment sample is retrieved from the decrypted biometric enrollment data. The at least one biometric enrollment sample is processed using a biometric processing algorithm to generate a biometric reference template. A biometric reference template identifier uniquely identifying the biometric reference template is generated. An encryption key is generated based on the stored user secret and encrypts an enrollment confirmation message.

Abstract: A method includes acquiring information regarding a user; generating one or more indicators of a data breach for an entity that stores one of transactional behavior data regarding the user or an indication of a transaction with the user in a past predefined time period; generating a first notification; providing the first notification to the user during a log-in process; receiving an indication from the user to exercise an option to scan transaction information of the user for suspected fraudulent activity at the entity; scanning the transaction information; determining a suspected fraudulent transaction; generating a second notification specific to the user and the suspected fraudulent transaction; deactivating a payment card associated with the suspected fraudulent transaction; and providing a supplemental notification to the user regarding the suspected fraudulent transaction.

Abstract: Systems, methods, and storage media for pre-approving onboarding to a payment platform, executing on a processing device are disclosed. Exemplary implementations may: access a node network; determine a first entity associated with a first node of the plurality of nodes is not a member of a payment platform; determine a total strength of connections of the first node to one or more nodes of the plurality of nodes exceeds a predetermined threshold value; and flag the first node of the plurality of nodes for an offer of onboarding to the payment platform consequent to determining the total strength of connections of the first node to the one or more nodes of the plurality of nodes exceeds the predetermined threshold value.

Abstract: A computer-implemented method includes generating a token associated with a user-level profile, receiving via a computing system a transaction message associated with a transaction where the transaction message includes a first data portion and a second data portion and where the token is part of at least one of the first data portion or the second data portion, obtaining via a network the token from the received transaction message, validating the token responsive to receiving a validation confirmation from a service provider, and transmitting an identity verification to the computing system responsive to validating the token.

Abstract: Examples described herein relate to apparatuses and methods for providing an interactive computer simulation of a life of a user via a user device operated by the user by determining a goal of the user, accessing a transaction history of the user, determining an initial state of the user based on the transaction history of the user, determining a virtual path to the goal, the initial state of the user being a starting point of the virtual path to the goal, configuring the user device to display the virtual path of the goal, determining that the user has selected at least one of selectable in-simulation decisions, updating the virtual path to generate an updated virtual path based on the selected at least one of the plurality of selectable in-simulation decisions, and configuring the user device to display the updated virtual path.

Abstract: Examples described herein relate to determining an actual, updated goal of a user based on emotional response data captured while an initial goal is visualized or otherwise perceived by the user, including determining an initial goal of a user, displaying an initial video depicting the initial goal, tracking, with an emotion-tracking device, emotions of the user while the video is displayed by the output circuit by determining emotional response data captured by the emotion-tracking device, updating the initial goal based on the emotional response data to determine an updated goal, and displaying the updated goal.

Abstract: A method of updating a payment card includes receiving a payment card having an existing payment part. The method includes removing the existing payment part from the payment card and installing a new payment part with the payment card for subsequent use of the payment card.

Abstract: A computer-implemented method includes acquiring information regarding the user and generating one or more indicators of a data breach for an entity that stores one of data regarding the user or an indication of a transaction with the user in a past predefined time period. The computer-implemented method further includes determining that the one or more indicators meet a threshold level for notifying the user of the data breach; in response to determining that the one or more indicators meet the threshold, generating a notification specific to the user regarding the data breach; and providing the notification to the user during a log-in process associated with the provider computing system.

Abstract: A computer implemented method performed by an identity verification computing system includes generating a user-level token associated with a user-level profile. The method further includes receiving a card-based transaction message associated with a card-based transaction. The card-based transaction message includes a card information portion and a point-of-sale data portion. The user-level token is inserted into at least one of the card information portion or the point-of-sale data portion. The method further includes obtaining the user-level token from the received card-based transaction message, validating the user-level token responsive to receiving a validation confirmation from a token service provider, and transmitting an identity verification to the entity computing system responsive to validating the user-level token.

Abstract: Examples described herein relate to determining an actual, updated goal of a user based on emotional response data captured while an initial goal is visualized or otherwise perceived by the user, including determining an initial goal of a user, displaying an initial video depicting the initial goal, tracking, with an emotion-tracking device, emotions of the user while the video is displayed by the output circuit by determining emotional response data captured by the emotion-tracking device, updating the initial goal based on the emotional response data to determine an updated goal, and displaying the updated goal.

Abstract: A method includes verifying the identity of an individual. The method further includes receiving non-financial data from the individual and generating a user-level profile. The user-level profiles include the non-financial data received from the individual. The method further includes generating a user-level token unique to the individual. The user-level token is associated with the generated user-level profile. The method also includes provisioning the user-level token to a device associated with the individual. The method further includes receiving an identity verification request comprising the user-level token, wherein the identity verification request is structured as a financial transaction card-originated message, validating the user-level token, and analyzing a context of the received user-level token to determine a relevant non-financial data element included in the non-financial information within the user-level profile.

Abstract: A computing system includes an interface configured to communicate with an entity computing system associated with a merchant via a network, an identity database storing verified personal identifying information, a memory, and at least one processor configured to: determine whether an individual is associated with an existing user account; prompt the individual to create a user account; verify an identity of the individual using personal identifying information associated with the individual; receive non-financial information associated with the individual; generate a user-level profile having the non-financial information; generate a user-level token unique to the individual; transmit the user-level token to a device associated with the individual; receive an identity verification request having the user-level token; validate the user-level token; determine that the identity verification request includes contextual data; determine the non-financial information that is relevant to the contextual data; and tra