Abstract: Methods, systems, and apparatuses are described herein for improving computer authentication processes through the exclusion of certain merchants that may cause confusion. Indications of a plurality of different merchants, including merchant logos may be received. The indications may be processed to identify at least one similarity between a first merchant and a second merchant. A request for access to an account associated with a user and transaction data corresponding to the account may be received. Based on the similarity between the first merchant and the second merchant, at least one transaction corresponding to the first merchant may be removed to generate processed transaction record. An authentication question may be generated and a candidate response to the authentication question may be received. Based on the candidate response, access to the account may be provided.

Abstract: Aspects described herein may allow for authenticating a user by generating a customized set of authentication questions based on patterns that are automatically detected and extracted from user data. The user data may include transaction data collected over a period of time. By automatically detecting user patterns that correspond to user behavior over a period of time, an authentication system may be able to generate information that is recognizable to an authentic user but difficult to guess or circumvent for any other user.

Abstract: Methods, systems, and apparatuses are described herein for improving the accuracy of synthetic authentication questions by analyzing third party account data. A request for access to a first account associated with a user may be received. The first account may be managed by a first organization. A transactions database might be queried for first account data. Second account data corresponding to a second account associated with the user might be received. That second account may be managed by a second organization different from the first organization. One or more second transactions, unique to the second account, may be identified. A synthetic transaction, configured to be different from transactions in the first account and the one or more second transactions, may be generated. An authentication question may be generated based on the synthetic transaction. Access to the first account might be provided based on a response to the authentication question.

Abstract: Disclosed embodiments may include a method for authenticating calls for a call center where the user can authenticate before or after starting a call to a call center using an application on a user device. The system determines what level of authentication is necessary depending on the task the user wants to accomplish during the call. The system may direct the user to provide credentials, such as a username and password, for some tasks. Other tasks may require the user to verify their financial card by taking a photo of their financial card or tapping their financial card to their device and allow the device to interact with the financial card using NFC technology. Once appropriately authenticated, the system then allows the user to make a call to the call center and also sends a signal to the call center that the user has been previously authenticated.

Abstract: A transaction card assembly is disclosed, comprising a card body, an EMV chip, visible cardholder information, and a receiving portion disposed on the card body; a weighted card component comprising an attachment portion, the weighted card component being heavier than the card body and wherein, in a first configuration, the weighted card component is coupled to the card body via engagement between the receiving portion and the attachment portion, and in a second configuration, the weighted card component is uncoupled from the card body by disengagement between the attachment portion and the receiving portion, and wherein, in the first configuration, the weighted card component obfuscates the EMV chip and the visible cardholder information.

Abstract: Systems and methods for validating transfers between cryptographic addresses is disclosed. The systems and methods can include receiving instructions to transfer a first plurality of tokens from a first cryptographic address to a second cryptographic address. The transfer can be validated with a portion of the distributed validation processors. The method can include transferring a first plurality of tokens to the second cryptographic address. The method can include transferring a second plurality of tokens to a first distributed validation processor of the plurality of distributed validation processors. After a predetermined period of time and/or subsequent validations by the first distributed validation processors, the method can include transferring an amount greater than the second plurality of tokens to the first cryptographic address.

Abstract: Methods and systems for limiting resource access based on user input using an authentication token. In some aspects, the authentication token receives user input indicating a first allocation for a first resource access to be executed at a first time. The authentication token generates recommendations for a second allocation related to the first allocation. The user selects a second allocation. At the first time, the authentication token receives a first resource access request and executes the first allocation. The authentication token also transmits first metadata to an access approval system. At the second time, in response to a second resource access request, the authentication token or the access approval system compares the second resource access request to the first metadata or the second allocation to approve or decline the second resource access request.

Abstract: Systems and methods for automatically locking a contactless card are provided. A server can identify when a timer associated with the contactless card expires, lock the contactless card after the timer has expired, receive, via a short-range communication antenna of a mobile device in communication with the server, a cryptogram from the contactless card, successfully decrypt the cryptogram to authenticate the contactless card, and when the contactless card has been authenticated, unlock the contactless card.

Abstract: Methods of verifying a user's identity using trusted members of the user's community are provided. Users may request trusted friends and family members register as vouching users. If a user needs to confirm the user's identity, such as during a multifactor authentication verification or in the event of a forgotten credential, vouching users may be called upon to verify user identity. Vouching users may confirm a user's identity via a group communication session or by proving physical proximity to the user. Physical proximity may be proven by tapping a token, such as an electronic device or a transaction card, to either the user's device and/or the vouching user's device. Using trusted friends and family members to verify a user's identity safeguards online accounts from deep fake AI creations and protects susceptible online users from phishing schemes and social engineering attacks.

Abstract: Methods of verifying a user's identity using trusted members of the user's community are provided. Users may request trusted friends and family members register as vouching users. If a user needs to confirm the user's identity, such as during a multifactor authentication verification or in the event of a forgotten credential, vouching users may be called upon to verify user identity. Vouching users may confirm a user's identity via a group communication session or by proving physical proximity to the user. Physical proximity may be proven by tapping a token, such as an electronic device or a transaction card, to either the user's device and/or the vouching user's device. Using trusted friends and family members to verify a user's identity safeguards online accounts from deep fake AI creations and protects susceptible online users from phishing schemes and social engineering attacks.

Abstract: Aspects described herein may allow for authenticating a user by generating a customized set of authentication questions based on patterns that are automatically detected and extracted from user data. The user data may include transaction data collected over a period of time. By automatically detecting user patterns that correspond to user behavior over a period of time, an authentication system may be able to generate information that is recognizable to an authentic user but difficult to guess or circumvent for any other user.

Abstract: Methods, systems, and apparatuses are described herein for improving computer authentication processes by using physical environment information. A computing device may receive video depicting a physical environment and process that video to identify one or more first objects. The computing device may receive a request for access to an account. The computing device may send a prompt for a physical environment description and receive, in response, an indication of one or more second objects. The indication of the one or more second objects may comprise video of the physical environment, a verbal description of the physical environment, and/or text describing the physical environment. The computing device may grant the user device access to the account based on comparing the one or more first objects to the one or more second objects.

Abstract: Aspects described herein may relate to techniques for detecting login activity to a financial account during a knowledge-based authentication process. The login activity may be related to access to an online interface for the financial account. The detection of login activity during the authentication process my indicate that the integrity of the authentication process is compromised as login access may provide an individual with transaction data that may be used to answer transaction-based authentication questions. As a result of detecting login activity, an alternative authentication process may be initiated or an authentication request related to the financial account may be denied.

Abstract: Methods, systems, and apparatuses are described herein for improving computer authentication processes by generating authentication questions based on the location of a user. Transaction data indicating a plurality of transactions associated with a user account may be received. Location data indicating a plurality of locations of a user device might be received. At least a subset of the plurality of transactions may be tagged, based on the location data, with an indication that a user was present for a respective transaction. For example, a location of a merchant might be compared to a user device location indicated by the location data. A plurality of authentication questions might be generated based on the subset of the plurality of transactions. Access to the user account might be provided based on responses to the plurality of authentication questions.

Abstract: Methods and systems are disclosed herein to recommend load rebalancing based on learned patterns of recurrence. In some aspects, the method receives a requested load usage from a user system and a load usage dataset. Each entry in the load usage dataset corresponds to an instance of load use. The method determines similar instances based on a respective amount and respective category of each entry. The method then clusters the similar instances into a first cluster and a second cluster based on frequencies of the similar instances. The method combines load uses corresponding to the first cluster into a first recurring load use and load uses corresponding to the second cluster into a second recurring load use. The method compares the requested load usage to the second recurring load use to generate a recommendation to the user system for rebalancing load usage.

Abstract: Aspects described herein may use behavioral biometric data to authenticate an individual that requests performance of an action related to a financial account. In response to the request, challenge questions relating to recent transactions conducted with the financial account may be generated. The challenge questions may be provided to the individual and may prompt the individual for audile response and/or touch input responses. Behavioral biometric data may be extracted from the responses and may be used to determine a likelihood the individual is an authorized user of the account.

Abstract: Methods, systems, and apparatuses are described herein for improving the accuracy of authentication questions using transaction limitations provided by users. A request for access to an account associated with a user may be received from a user device. An account restrictions database may be queried to determine one or more transaction rules associated with the account. The one or more transaction rules may have been created by the user and indicate limitations on financial transactions that may be performed via the account. An authentication question may be generated that is associated with a violation of the one or more transaction rules. The authentication question may be provided to the user device, and a response to the authentication question may be received. Access to the account may be provided to the user device based on the response.

Abstract: Disclosed herein are system, method, and computer program product embodiments for training and deploying a machine learning model to generate an assessment of risks and mitigations in response to a novel initiative request. After generating labeled data from a corpus of prior risk assessments, a machine learning model may be trained to programmatically generate a risk assessment in response to a novel initiative request. A risk auditor may subsequently review the risk assessment generated using the machine learning model to provide various feedback reflecting the accuracy of the risks and mitigations. The machine learning model may then be retrained based on the feedback provided by the risk auditor to provide more accurate risks and mitigations in response to future initiatives.

Abstract: Disclosed embodiments may include a system providing for currency transfer using augmented reality environments. The system may receive, at a user device associated with a user, a first input indicating a first selection of a first augmented reality item. The system may receive a second input indicating a first movement of the first augmented reality item. The system may determine whether the first augmented reality item is in proximity to a purchasable item. In response to determining that the first augmented reality item is in proximity to the purchasable item, the system may initiate a transfer by receiving image data containing a computer readable code associated with the purchasable item, processing the image data, retrieving store account information and transfer information regarding the purchasable item, retrieving user account information, and transmitting, to an account processor, the user account information, the store account information, and the transfer information.

Abstract: Displaying visual indications of one or more files that are associated with a file being viewed via an augmented reality headset may be facilitated. In some embodiments, an image of a file being viewed by a user may be received. The system may determine whether a file is associated with a first error indicating an inconsistency between the file and one or more other files related to the file. Based on determining that the file is associated with the first error, the system may retrieve, based on one or more file identifiers corresponding to the one or more other files, one or more other files associated with the inconsistency. The system may then generate for display (i) a visual indicator indicating the first error and (ii) one or more visual indications of the one or more other files associated with the inconsistency.