Abstract: Arrangements for generating and using client-side generated one-time passcodes (OTP) for transaction processing are provided. A request to register a user and/or user computing device for client-side OTP processing may be received. A request to register a merchant for client-side OTP processing may also be received and, in respond, a unique access key unique to the merchant may be generated and transmitted to one or more devices. A request to process a transaction may be received and may include the unique access key, transaction details, and user device data. The request may be analyzed to determine whether one or more criteria are met. If so, client-side OTP functions may be enabled. If not, client-side OTP functions might not be enabled and, instead, a request for additional authentication data may be generated and transmitted to the user computing device for display.

Abstract: Arrangements for pre-authenticating users to interactive voice response (IVR) systems are provided. In some examples, a computing device may receive and store a valid telephone number associated with an enterprise organization IVR system and an enterprise organization application programming interface (API) access key. A request to initiate a communication session with the IVR system may be received and the request may include a telephone number. If the telephone number matches the valid telephone number, an API call to the enterprise organization may be made and a one-time passcode (OTP) may be received. The telephone number may be appended to include the OTP as a suffix and the communication session with the IVR system may be initiated. The IVR system may extract the OTP and validate the OTP. If the OTP is validated, the communication session may be initiated as a pre-authenticated call.

Abstract: Arrangements for pre-authenticating users to interactive voice response (IVR) systems are provided. In some examples, a user may initiate, via an application executing on a mobile device of the user, a telephone call to an IVR system. A computing platform may intercept the call and may generate a one-time passcode (OTP). The OTP may be appended to the telephone number as a suffix and the telephone call may be initiated with the IVR system using the telephone number and appended suffix. The IVR system may extract the OTP and may validate the OTP. If the OTP is validated, the call may be initiated as a pre-authenticated call in which the IVR system might not request authentication data from the user. If the OTP is not validated, the call may be initiated as a standard call in which the IVR system may request authentication data from the user.

Abstract: Systems, computer program products, and methods are described herein for device authentication verification via electronic communication. The present disclosure is configured to receive an interaction from a resource container, wherein the interaction is associated with an application. Further, the present disclosure is configured to transmit a token from an authorization hub to a user device. Further still, the present disclosure is configured to receive user data from the resource container associated with a user, wherein the user data is received via a near field communication (NFC) device embedded in the resource container, and wherein the NFC device emits NFC signals. Further still, the present disclosure is configured to encrypt the user data using the token. Further still, the present disclosure is configured to validate the user data using the authorization hub. Further still, the present disclosure is configured to store the user device as a verified user device.

Abstract: Arrangements for pre-authenticating users to interactive voice response (IVR) systems are provided. In some examples, a computing device may receive and store a valid telephone number associated with an enterprise organization IVR system and an enterprise organization application programming interface (API) access key. A request to initiate a communication session with the IVR system may be received and the request may include a telephone number. If the telephone number matches the valid telephone number, an API call to the enterprise organization may be made and a one-time passcode (OTP) may be received. The telephone number may be appended to include the OTP as a suffix and the communication session with the IVR system may be initiated. The IVR system may extract the OTP and validate the OTP. If the OTP is validated, the communication session may be initiated as a pre-authenticated call.

Abstract: Arrangements for pre-authenticating users to interactive voice response (IVR) systems are provided. In some examples, a user may initiate, via an application executing on a mobile device of the user, a telephone call to an IVR system. A computing platform may intercept the call and may generate a one-time passcode (OTP). The OTP may be appended to the telephone number as a suffix and the telephone call may be initiated with the IVR system using the telephone number and appended suffix. The IVR system may extract the OTP and may validate the OTP. If the OTP is validated, the call may be initiated as a pre-authenticated call in which the IVR system might not request authentication data from the user. If the OTP is not validated, the call may be initiated as a standard call in which the IVR system may request authentication data from the user.

Abstract: User authentication and validation for performing transactions may be performed by a validation server of a service provider. For example, when a login request or purchase request is received, the request may be authenticated or validated before permitting the requested transaction. In some arrangements, the validation may be delegated to one or more devices or users external to the service provider. Multiple validation users may be consulted for each transaction request to determine a consensus validation decision. A consensus may be reached based on unanimous responses or based on a specified threshold level (e.g., more than 50% responding positively or negatively). The service provider may use this consensus determination to authorize or reject a transaction request.

Abstract: Aspects of the disclosure relate to using machine learning to simulate an interactive voice response system. A computing platform may establish a virtual assistant session with a mobile banking application executing on a mobile device, which may include authenticating at least one authentication credential associated with an online banking account. The computing platform may receive an assistance message from the mobile device requesting assistance. Using a machine learning model, the computing platform may identify an intent of the assistance message. The computing platform may generate a response message based on the intent of the assistance message. The computing platform may send the response message and one or more commands directing the mobile device to output an audio response file based on the response message to the mobile device, which may cause the mobile device to convert the response message into the audio response file and output the audio response file.

Abstract: Aspects of the disclosure relate to using machine learning to simulate an interactive voice response system. A computing platform may establish a virtual assistant session with a mobile banking application executing on a mobile device, which may include authenticating at least one authentication credential associated with an online banking account. The computing platform may receive an assistance message from the mobile device requesting assistance. Using a machine learning model, the computing platform may identify an intent of the assistance message. The computing platform may generate a response message based on the intent of the assistance message. The computing platform may send the response message and one or more commands directing the mobile device to output an audio response file based on the response message to the mobile device, which may cause the mobile device to convert the response message into the audio response file and output the audio response file.

Abstract: Aspects of the disclosure relate to using machine learning to simulate an interactive voice response system. A computing platform may establish a virtual assistant session with a mobile banking application executing on a mobile device, which may include authenticating at least one authentication credential associated with an online banking account. The computing platform may receive an assistance message from the mobile device requesting assistance. Using a machine learning model, the computing platform may identify an intent of the assistance message. The computing platform may generate a response message based on the intent of the assistance message. The computing platform may send the response message and one or more commands directing the mobile device to output an audio response file based on the response message to the mobile device, which may cause the mobile device to convert the response message into the audio response file and output the audio response file.

Abstract: Aspects of the disclosure relate to using machine learning to simulate an interactive voice response system. A computing platform may receive user interaction information corresponding to interactions between a user and enterprise computing devices. Based on the user interaction information, the computing platform may identify predicted intents for the user, and may generate hotkey information based on the predicted intents. The computing platform may send the hotkey information and commands directing the mobile device to output the hotkey information. The computing platform may receive hotkey input information from the mobile device. Based on the hotkey input information, the computing platform may generate a hotkey response message. The computing platform may send, to the mobile device, the hotkey response message and commands directing the mobile device to convert the hotkey response message to an audio output and to output the audio output.

Abstract: Aspects of the disclosure relate to using machine learning to simulate an interactive voice response system. A computing platform may establish a virtual assistant session with a mobile banking application executing on a mobile device, which may include authenticating at least one authentication credential associated with an online banking account. The computing platform may receive an assistance message from the mobile device requesting assistance. Using a machine learning model, the computing platform may identify an intent of the assistance message. The computing platform may generate a response message based on the intent of the assistance message. The computing platform may send the response message and one or more commands directing the mobile device to output an audio response file based on the response message to the mobile device, which may cause the mobile device to convert the response message into the audio response file and output the audio response file.

Abstract: Aspects of the disclosure relate to using machine learning to simulate an interactive voice response system. A computing platform may receive user interaction information corresponding to interactions between a user and enterprise computing devices. Based on the user interaction information, the computing platform may identify predicted intents for the user, and may generate hotkey information based on the predicted intents. The computing platform may send the hotkey information and commands directing the mobile device to output the hotkey information. The computing platform may receive hotkey input information from the mobile device. Based on the hotkey input information, the computing platform may generate a hotkey response message. The computing platform may send, to the mobile device, the hotkey response message and commands directing the mobile device to convert the hotkey response message to an audio output and to output the audio output.

Abstract: An apparatus for electronic transmission via a virtual persona is provided. The apparatus may include a receiver. The receiver may be located at a first entity's mobile device. The receiver may be configured to receive a request to transmit an electronic transmission. The apparatus may include a processor. The processor may be located at the first entity's mobile device. The processor may be configured to identify a plurality of visible virtual personas. The plurality of visible virtual personas may be associated with a plurality of other mobile devices. Each of the plurality of virtual personas may be associated with a displayable image and/or characteristic set. The identification may be based on information received from a third party fraud detection network. The information may include location information associated with the plurality of other devices. The location information may be currently exploited by the third party fraud detection network.

Abstract: Tools for photograph billpay tagging of a digital image are provided. The digital image may correspond to a portion of text positioned upon a medium. The text may correspond to billpay information. The tool may define a graphical reference frame for the digital image. The tool may identify a set of glyphs within the text. The tool may translate a portion of the digital image into an estimated group of characters. The translated portion of the digital image may correspond to at least a part of the set of glyphs. The tool may tag the portion of the digital image with a tag. The tag may be coupled with a billpay input field. The billpay input field may be populated. The billpay input field may be populated with the group of estimated characters. The bill input field may be populated based on the coupling.