Abstract: A system includes a service provider device and a point of sale (POS) device. A session between a user device and the POS device is established. An authentication request associated with the user device is provided via a user interface of the POS device. Subsequent to an authentication of information, responsive to the authentication request, the POS device receives funding instrument (FI) proxy information corresponding to FIs, which is unusable to identify the FIs by a merchant. A selectable representation corresponding to the FI proxy information is provided via the user interface. Responsive to receiving an indication of a selected member from the selectable representation, information for the selected member is sent. The service provider device determines that the session corresponds to an account associated with the user device and the merchant, and performs a transaction for the session using a first FI that corresponds to the selected member.

Abstract: Systems and methods for an account integration system include establishing, by a service provider device, a first session with a service provider account associated with a user. After determining that a second session between a user device and the third party account of the user is active, a first validation is caused to access third party account information associated with the second session. The third party account information and the service provider account information are concurrently displayed by a display interface of the service provider device. A transaction request for a transaction associated with the service provider account and the third party account of the user is received. Information is sent to cause a second validation of the transaction request by a provider of the third party account. In response to the second validation of the transaction request, the requested transaction is processed.

Abstract: A method for detecting fraudulent sign-ups at a payment system is discussed. The method includes receiving a suspect sign-up request for creating a new user account at the payment system. The method includes providing access to a new duplicate user account responsive to receiving the suspect sign-up request, the new duplicate user account imitating the new user account. The method includes initiating a fraud determination of whether the suspect sign-up request is fraudulent. The method includes receiving a request from the user device, the request for adding a new financial account to the new user account. The method includes providing an indication of an addition of the new financial account to the new user account. The method also includes delaying the addition of the new financial account to the new user account until receiving results of the fraud determination.

Abstract: A method for detecting fraudulent logins at a payment system is discussed. The method includes receiving a suspect login request for logging into an existing user account at the payment system. The method includes providing access to a duplicate user account responsive to receiving the suspect login request, the duplicate user account being a copy of a portion of the existing user account. The method includes initiating a fraud determination of whether the suspect login request is fraudulent. The method includes receiving a request for transferring a first amount of funds from the existing user account to another account. The method includes providing an indication that the first amount of funds is being transferred to the another account. The method also includes delaying a transfer of the first amount of funds to the another account until receiving results of the fraud determination.

Abstract: The adaptive learning systems described herein may include machine-learning engines, product configuration engines, and/or various other components configured to improve the efficiency of processing transactions. The systems described herein may detect and/or predict declined transactions, token deficiencies, insufficient system capacities, and/or other system anomalies. As such, the system may perform operations to generate additional tokens associated with assets, provision various bin ranges, and/or share reserve capacities, and/or other operations. Thus, the system may improve system efficiencies, ensure reliability and operability across the system, and optimize the operations for successfully processing transactions.

Abstract: There are provided systems and methods for providing an interactive transaction dashboard. An exemplary system includes a first data store storing and a processing device in communication with the first data store. The processing device receives, over a network communication link, authentication information associated with a user device operated by the first user and transmits transaction data associated with a first transaction to be rendered in a graphical user interface provided by the user device, the graphical user interface visually depicting the first transaction as an icon positioned along a visual axis element representing a period of time. The processing device receives a command generated by an interaction of the first user with the icon and transmits secondary transaction data associated with the first transaction to be rendered in the graphical user interface, the secondary transaction data being responsive to the command.

Abstract: Systems and methods for public ledger authentication include receiving a first previous authentication public ledger address and a first current authentication public ledger address from a user. A verified static user key is identified in a public ledger using the first previous authentication public ledger address. A second current authentication public ledger address is then provided to the user for use in the current authentication attempt. Authentication attempt information is determined that includes a number of authentication attempts by the user, and used in a hash operation with the verified static user key to generate a first user authentication key. A second user authentication key is retrieved from the public ledger that was sent from the first current authentication public ledger address to the second current authentication public ledger address in a transaction, and the user is authenticated if the second user authentication key matches the first user authentication key.

Abstract: Systems and methods for an account integration system include establishing, by a service provider device, a first session with a service provider account associated with a user. After determining that a second session between a user device and the third party account of the user is active, a first validation is caused to access third party account information associated with the second session. The third party account information and the service provider account information are concurrently displayed by a display interface of the service provider device. A transaction request for a transaction associated with the service provider account and the third party account of the user is received. Information is sent to cause a second validation of the transaction request by a provider of the third party account. In response to the second validation of the transaction request, the requested transaction is processed.

Abstract: A system includes a service provider device and a point of sale (POS) device. A session between a user device and the POS device is established. An authentication request associated with the user device is provided via a user interface of the POS device. Subsequent to an authentication of information, responsive to the authentication request, the POS device receives funding instrument (FI) proxy information corresponding to FIs, which is unusable to identify the FIs by a merchant. A selectable representation corresponding to the FI proxy information is provided via the user interface. Responsive to receiving an indication of a selected member from the selectable representation, information for the selected member is sent. The service provider device determines that the session corresponds to an account associated with the user device and the merchant, and performs a transaction for the session using a first FI that corresponds to the selected member.

Abstract: There are provided systems and methods for image data detection for micro-expression analysis and targeted data services. A user may utilize a communication device, where during use of the communication device, one or more images of the user are captured by the communication device. The image(s) may be analyzed to identify at least one micro-expression of the user during use of the communication device, for example, at a time of performing online purchasing or messaging with other merchants or users. The micro-expression may then be used to determine a user state for the user at the time of use of the communication device, where an action or process may be executed with the communication device in response to the user state. In various embodiments, a service provider may be utilized to determine the user's state based on the micro-expression and execute an action based on the user's state.

Abstract: Methods and systems for a device identification system may be provided. The device identification system may determine an identity of a user device associated with a transaction. The identity may be determined by network address information, hard link information, soft link information, and/or other such information. The network address information may include IPv4 information, IPv6 information, a device ID, and/or other such information. The identity of the user device may be determined and a transaction conducted from the user device may be assigned a fraudulent transaction risk score according to the information. Transactions that are determined to be at a high risk of fraud may be reviewed or otherwise flagged and/or canceled.

Abstract: The adaptive learning systems described herein may include machine-learning engines, product configuration engines, and/or various other components configured to improve the efficiency of processing transactions. The systems described herein may detect and/or predict declined transactions, token deficiencies, insufficient system capacities, and/or other system anomalies. As such, the system may perform operations to generate additional tokens associated with assets, provision various bin ranges, and/or share reserve capacities, and/or other operations. Thus, the system may improve system efficiencies, ensure reliability and operability across the system, and optimize the operations for successfully processing transactions.

Abstract: There are provided systems and methods for visual data processing of mimed images for authentication. Authentication may be required for a user and/or an account of the user, for example, to verify the identity of the user or allow the user to access and use the account of the user. As an additional factor to authentication, increased authentication may be accomplished through who and what the user is, such as through facial recognition and biometrics of the user. During authentication, the user may be presented with a set of images or icons, such as digital emojis, that convey and emotion or idea. The user may be asked to mimic the emojis during authentication, where the user's facial expression is recorded. To authenticate the user, the recorded data may be compared to past data through facial recognition processing and image analysis to find similarities.

Abstract: Obtaining information may be increasingly more challenging in modern times. The systems described herein enable a user to have access to one or more data streams. For example, the data stream may include messages from a famous person provided to an online social networking service, where the messages may be limited character messages. Yet, in some instances, the data stream may also include images posted on a blog, videos posted on a social networking service for connecting people, a list of searches and/or search strings by a famous person, and a number of purchase orders by an actress. The systems may also control the user's access to the one or more data streams, possibly limiting the access to portions of the one or more data streams.

Abstract: There are provided systems and methods for visual data processing of mimed images for authentication. Authentication may be required for a user and/or an account of the user, for example, to verify the identity of the user or allow the user to access and use the account of the user. As an additional factor to authentication, increased authentication may be accomplished through who and what the user is, such as through facial recognition and biometrics of the user. During authentication, the user may be presented with a set of images or icons, such as digital emojis, that convey and emotion or idea. The user may be asked to mimic the emojis during authentication, where the user's facial expression is recorded. To authenticate the user, the recorded data may be compared to past data through facial recognition processing and image analysis to find similarities.

Abstract: A method for authenticating access to remote devices. The method includes receiving authentication data for authenticating a user for using a pointing device at an input of a Point-of-Sale (PoS) device for initiating of a transaction. The method includes receiving a user input that includes an authenticating input, the user input provided via the pointing device at an input device of the POS device, the authenticating input for authenticating the user for the transaction. The method includes accessing encoded data that is embedded in the user input, and determining a correlation between the authentication data and the encoded data. The method includes determining, based on the correlation and the authenticating input, authentication for initiating the transaction by the user at the POS device.

Abstract: Methods and systems for a device identification system may be provided. The device identification system may determine an identity of a user device associated with a transaction. The identity may be determined by network address information, hard link information, soft link information, and/or other such information. The network address information may include IPv4 information, IPv6 information, a device ID, and/or other such information. The identity of the user device may be determined and a transaction conducted from the user device may be assigned a fraudulent transaction risk score according to the information. Transactions that are determined to be at a high risk of fraud may be reviewed or otherwise flagged and/or canceled.

Abstract: Systems and methods for an account integration system include establishing, by a service provider device, a first session with a service provider account associated with a user. After determining that a second session between a user device and the third party account of the user is active, a first validation is caused to access third party account information associated with the second session. The third party account information and the service provider account information are concurrently displayed by a display interface of the service provider device. A transaction request for a transaction associated with the service provider account and the third party account of the user is received. Information is sent to cause a second validation of the transaction request by a provider of the third party account. In response to the second validation of the transaction request, the requested transaction is processed.

Abstract: Obtaining information may be increasingly more challenging in modern times. The systems described herein enable a user to have access to one or more data streams. For example, the data stream may include messages from a famous person provided to an online social networking service, where the messages may be limited character messages. Yet, in some instances, the data stream may also include images posted on a blog, videos posted on a social networking service for connecting people, a list of searches and/or search strings by a famous person, and a number of purchase orders by an actress. The systems may also control the user's access to the one or more data streams, possibly limiting the access to portions of the one or more data streams.

Abstract: Systems and methods for providing location based voice recognition include receiving, through a first microphone, an audio signal from a first user that includes an audio command requesting a service that requires user authorization before access to at least a portion of the service is granted. The user authorization is based on voice recognition (e.g., voice authentication and/or voice identification) of the audio signal. The source location of the audio signal is determined and a user location of the first user is determined. If the source location of the audio signal correlates with the user location, voice recognition on the audio signal may be performed. The first user may be authorized to access the service based on the voice recognition performed on the audio signal.