Abstract: The systems and methods that identify fraud committed using native applications and web applications are provided. A native application executing on a client device generates a pairing identifier. The pairing identifier is associated with native attributes that are used by a fraud detection system to identify fraudulent transactions. The native application also activates a browser and passes the pairing identifier to the browser. The browser associates the pairing identifier with web attributes that store browser data collected on the client device. The client device transmits native attributes together with the pairing identifier and also the web attributes together with the pairing identifier to the fraud detection system. The fraud detection system links the native attributes and the web attributes by the pair identifier, and uses the native attributes and the web attributes to identify fraud that is initiated on the client device.

Abstract: A computer system detects the reception of a first token associated with a first transaction. The computer system determines that a first Payments Reward Identifier (PRI) is associated with the first token by accessing a PRI database. In response to determining that the first PRI is associated with the first token, the computer system accesses the PRI database and determines that the first PRI is associated with a record within the PRI database that corresponds to a first rewards ID (RID). In response to determining that the first PRI is associated with a record within the PRI database that corresponds to the first rewards, the computer system determines a first rewards amount corresponding to the first transaction, and updates a total rewards amount, in a rewards database, corresponding to the determined first RID based on the first rewards amount.

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: Aspects of the present disclosure involve a system and method for presenting tailored information based on user engagement level. This engagement level which can be represented by a score in conjunction with a user profile can then be used to identify appropriate information to present to the user. The information presented can include advertisements, articles, and the like which have been learned/identified to trigger the user's interest.

Abstract: Systems and methods for associating audio signals in an environment surrounding a voice-controlled system include receiving by a voice-controlled system through a microphone, an audio signal from a user of a plurality of users within an environment surrounding the microphone. The voice-controlled system determines a source location of the audio signal. The voice-controlled system determines a first user location of a first user and a second user location of a second user. The voice-controlled system then determines that the first user location correlates with the source location such that the source location and the first user location are within a predetermined distance of each other. In response, the voice-controlled system performs at least one security action associated with the first user providing the audio signal.

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: Various systems, mediums, and methods may be implemented to provide data security by detecting microcontrollers in physical wallets. One example method may include detecting that a physical wallet comprises a plurality of physical cards based at least on a communication with a microcontroller of the physical wallet; comparing the plurality of physical cards with a plurality of digital cards of a digital wallet that corresponds the physical wallet; detecting at least one missing physical card from the physical wallet based at least on comparing the plurality of physical cards with the plurality of digital cards; and transmitting a notification to one or more user devices with access to the digital wallet. The notification may indicate information identifying the at least one missing physical card.

Abstract: The systems and methods that identify fraud committed using native applications and web applications are provided. A native application executing on a client device generates a pairing identifier. The pairing identifier is associated with native attributes that are used by a fraud detection system to identify fraudulent transactions. The native application also activates a browser and passes the pairing identifier to the browser. The browser associates the pairing identifier with web attributes that store browser data collected on the client device. The client device transmits native attributes together with the pairing identifier and also the web attributes together with the pairing identifier to the fraud detection system. The fraud detection system links the native attributes and the web attributes by the pair identifier, and uses the native attributes and the web attributes to identify fraud that is initiated on the client device.

Abstract: Virtual currency ledger secured physical currency transmissions include receiving a physical currency transfer request from a physical currency receiver device of a physical currency receiver, and identifying a physical currency deliverer device of a physical currency deliverer. A physical currency delivery confirmation code is then associated with a recipient identified in the physical currency transfer request, and a virtual currency address controlled by the physical currency deliverer and included in a virtual currency public ledger is identified to the physical currency receiver device. A reimbursement request code is then received from the physical currency deliverer device and verified using the physical currency delivery confirmation code.

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: While website or other user content is often static, dynamic content personalization may allow for a better user experience. One way to personalize content, such as web content, is to gather information on a user, and then use that information to augment content. This approach is limited, however, in that a smaller website operator may have little or no data on its users, who may be infrequent. By making use of data collection modules, however, personalization data can be gathered from a number of different sources. Correlation of user identity using a correlation database may then be performed to determine that a user of one site is the same as the user of another site (even if the user presents different login credentials on those sites). This allows personalization data to be leveraged at scale and presentation of dynamic content opportunities, improving content and providing a more useful experience.

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: While web site content is often static, dynamic web content personalization may allow for a more beneficial user experience. The present disclosure discusses gathering information on a user from a plurality of different websites, on which the user may be identified differently. Based on common linking information, a correlation can be made, however, between the different user identifiers on the different websites. With this correlation, potentially sparse information gathered from many different smaller websites can be aggregated and logically connected, enabling greater depth of knowledge on users' profiles. Profile data based on user actions on different websites (such as selecting an item for purchase) can be transmitted to other systems which can then use this data to present dynamic personalized content. In some embodiments, artificial intelligence techniques can further refine the usefulness of the profile data that is collected.

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: 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: Systems and methods for associating audio signals in an environment surrounding a voice-controlled system include receiving by a voice-controlled system through a microphone, an audio signal from a user of a plurality of users within an environment surrounding the microphone. The voice-controlled system determines a source location of the audio signal. The voice-controlled system determines a first user location of a first user and a second user location of a second user. The voice-controlled system then determines that the first user location correlates with the source location such that the source location and the first user location are within a predetermined distance of each other. In response, the voice-controlled system performs at least one security action associated with the first user providing the audio signal.

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.

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.

Abstract: A database of prior user transactions may enable and present opportunities to dynamically classify a current user transaction according to particular information or characteristics of that transaction and/or the user conducting the current transaction. Results of previous transactions can be correlated and/or aggregated with other transactions, allowing predictive relationships to indicate an approximated user goal for a particular transaction. Based on the approximated user goal, a limited timespan electronic market may be established. This electronic market may enable additional transactions with the user that correspond to the approximated user goal.

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.