Abstract: Systems as described herein determine merchant enforced transaction rules. A determination server may receive transaction data associated with a plurality of merchants. The determination server may generate a histogram of payments associated with a merchant category and filter out transaction data having purchase amounts above or below a predetermined threshold. The determination server may determine a first average purchase amount associated with merchants in the merchant category and a second average purchase amount associated with each merchant in the merchant category. The determination server may determine user spending patterns and that a first merchant in the merchant category enforces one or more card-based transaction rules using machine learning models. After determining that a user device is proximately located to the first merchant, a notification indicating the one or more card-based transaction rules associated with the first merchant may be sent to the user device.

Abstract: Systems and methods for artificial intelligence transaction priority control are presented. Transaction priority control may be provided in the context of online user accounts maintained by financial institutions. Transaction priority control may be obtained through querying transaction information from a database, applying a predictive model to determine a likely future transaction, assigning a priority score to the future transaction, and approving or denying the future transaction based on the priority score.

Abstract: A device may detect a first entry of a first user device of a first user into a merchant area. The device may monitor a movement of the first user device within the merchant area. The movement may include a transition from a shopping area of the merchant area to a checkout area of the merchant area. The device may detect a transaction between the first user and the merchant. The device may determine a shopping duration for the first user and a checkout duration for the first user. The device may detect a second entry of a second user device of a second user into the merchant area. The device may perform one or more actions based on detecting the second entry. The one or more actions may be performed selectively based on the shopping duration or the checkout duration of the first user.

Abstract: Systems as described herein determine merchant enforced transaction rules. A determination server may receive transaction data associated with a plurality of merchants. The determination server may generate a histogram of payments associated with a merchant category and filter out transaction data having purchase amounts above or below a predetermined threshold. The determination server may determine a first average purchase amount associated with merchants in the merchant category and a second average purchase amount associated with each merchant in the merchant category. The determination server may determine user spending patterns and that a first merchant in the merchant category enforces one or more card-based transaction rules using machine learning models. After determining that a user device is proximately located to the first merchant, a notification indicating the one or more card-based transaction rules associated with the first merchant may be sent to the user device.

Abstract: A device may receive transaction data relating to a transaction event associated with a user and a merchant. The transaction data may include a merchant identifier and a transaction amount. The device may process the merchant identifier to determine whether the transaction event is associated with a rate-based service. The device may obtain, based on determining that the transaction event is associated with the rate-based service, location data from a user device associated with the user. The device may determine, based on the location data, a distance or a duration associated with the rate-based service. The device may determine, based on the distance or the duration, a transaction estimate for the rate-based service. The device may determine whether the transaction amount corresponds to the transaction estimate and perform one or more actions based on determining whether the transaction amount corresponds to the transaction estimate.

Abstract: Systems as described herein determine merchant enforced transaction rules. A determination server may receive transaction data associated with a plurality of merchants. The determination server may generate a histogram of payments associated with a merchant category and filter out transaction data having purchase amounts above or below a predetermined threshold. The determination server may determine a first average purchase amount associated with merchants in the merchant category and a second average purchase amount associated with each merchant in the merchant category. The determination server may determine user spending patterns and that a first merchant in the merchant category enforces one or more card-based transaction rules using machine learning models. After determining that a user device is proximately located to the first merchant, a notification indicating the one or more card-based transaction rules associated with the first merchant may be sent to the user device.

Abstract: Various embodiments are generally directed to techniques for generating rules automatically navigate a website and perform updates of payment token information.

Abstract: Using contactless cards to pay for offline transactions. An application executing on a mobile device may receive, via a communications interface of a contactless card, an account identifier of the contactless card, and transaction data received by the contactless card from a POS device via the communications interface, the transaction data comprising at least an identifier of a merchant account, a timestamp, and an amount of the transaction, a network connection between the POS device and a payment server not available. The application may transmit the account identifier and the transaction data to the payment server via a cellular network connection of the mobile device. The mobile device may receive, from the payment server via the cellular network connection, authorization of a payment for the transaction. The application may generate a graphical indication of the authorization of the payment for the transaction and output the graphical indication of the authorization.

Abstract: Various embodiments are generally directed to techniques for generating rules automatically navigate a website and perform updates of payment token information.

Abstract: A method for providing a gift includes receiving a gift token creation request representative of a selection of a gift recipient and gift limitations from a first computing device. The method includes generating a tokenized PAN associated with a gift account and transmitting the tokenized PAN and gift limitations to a second computing device. The method includes detecting a transaction authorization request that is representative of an attempted transaction at a merchant POS device based on monitoring of transaction authorization data originating from a plurality of merchant POS devices. The transaction authorization request represents an attempted tokenized PAN, an attempted transaction amount and a merchant code. The method includes determining that the attempted tokenized PAN matches the tokenized PAN associated with the gift account.

Abstract: A device may access payment data of a first payment account and a second payment account that are associated with a first user and a second user, respectively, wherein the payment data includes descriptions of payments to vendors. The device may group the vendors into subsets of vendors based on characteristics of the vendors. The device may determine relative weightings for respective vendors within the subsets. The device may receive a request for a vendor recommendation for a meeting between the first user and the second user, wherein the request identifies parameters for the meeting. The device may generate the vendor recommendation for the meeting by identifying candidate vendors based on the parameters for the meeting and selecting one or more of the candidate vendors based on the relative weightings for the respective vendors.

Abstract: Systems and methods for artificial intelligence transaction priority control are presented. Transaction priority control may be provided in the context of online user accounts maintained by financial institutions. Transaction priority control may be obtained through querying transaction information from a database, applying a predictive model to determine a likely future transaction, assigning a priority score to the future transaction, and approving or denying the future transaction based on the priority score.

Abstract: A method for providing a locked electronic item includes receiving a selection of an electronic lock and the electronic item from a first computing device associated with a sender. The electronic lock includes a lock clue and a lock solution. The method includes determining an answer input field configuration that includes a number of input boxes and spaces that may be arranged to correspond to the lock solution. The method includes transmitting the lock clue and the input field configuration to a second computing device associated with a recipient for display by the second computing device and receiving an attempted lock solution from the second computing device. The method further includes transmitting the electronic item to the second computing device for display or use by the second computing device in response to determining that the attempted lock solution matches the lock solution.

Abstract: A device may detect a first entry of a first user device of a first user into a merchant area. The device may monitor a movement of the first user device within the merchant area. The movement may include a transition from a shopping area of the merchant area to a checkout area of the merchant area. The device may detect a transaction between the first user and the merchant. The device may determine a shopping duration for the first user and a checkout duration for the first user. The device may detect a second entry of a second user device of a second user into the merchant area. The device may perform one or more actions based on detecting the second entry. The one or more actions may be performed selectively based on the shopping duration or the checkout duration of the first user.

Abstract: A method for providing a locked electronic item includes receiving a selection of an electronic lock and the electronic item from a first computing device associated with a sender. The electronic lock includes a lock clue and a lock solution. The method includes determining an answer input field configuration that includes a number of input boxes and spaces that may be arranged to correspond to the lock solution. The method includes transmitting the lock clue and the input field configuration to a second computing device associated with a recipient for display by the second computing device and receiving an attempted lock solution from the second computing device. The method further includes transmitting the electronic item to the second computing device for display or use by the second computing device in response to determining that the attempted lock solution matches the lock solution.

Abstract: A device may access payment data of a first payment account and a second payment account that are associated with a first user and a second user, respectively, wherein the payment data includes descriptions of payments to vendors. The device may group the vendors into subsets of vendors based on characteristics of the vendors. The device may determine relative weightings for respective vendors within the subsets. The device may receive a request for a vendor recommendation for a meeting between the first user and the second user, wherein the request identifies parameters for the meeting. The device may generate the vendor recommendation for the meeting by identifying candidate vendors based on the parameters for the meeting and selecting one or more of the candidate vendors based on the relative weightings for the respective vendors.

Abstract: A device may receive transaction data relating to a transaction event associated with a user and a merchant. The transaction data may include a merchant identifier and a transaction amount. The device may process the merchant identifier to determine whether the transaction event is associated with a rate-based service. The device may obtain, based on determining that the transaction event is associated with the rate-based service, location data from a user device associated with the user. The device may determine, based on the location data, a distance or a duration associated with the rate-based service. The device may determine, based on the distance or the duration, a transaction estimate for the rate-based service. The device may determine whether the transaction amount corresponds to the transaction estimate and perform one or more actions based on determining whether the transaction amount corresponds to the transaction estimate.

Abstract: A method for providing a locked electronic item includes receiving a selection of an electronic lock and the electronic item from a first computing device associated with a sender. The electronic lock includes a lock clue and a lock solution. The method includes determining an answer input field configuration that includes a number of input boxes and spaces that may be arranged to correspond to the lock solution. The method includes transmitting the lock clue and the input field configuration to a second computing device associated with a recipient for display by the second computing device and receiving an attempted lock solution from the second computing device. The method further includes transmitting the electronic item to the second computing device for display or use by the second computing device in response to determining that the attempted lock solution matches the lock solution.

Abstract: Various embodiments are generally directed to techniques for generating rules automatically navigate a website and perform updates of payment token information.

Abstract: A device may detect a first entry of a first user device of a first user into a merchant area. The device may monitor a movement of the first user device within the merchant area. The movement may include a transition from a shopping area of the merchant area to a checkout area of the merchant area. The device may detect a transaction between the first user and the merchant. The device may determine a shopping duration for the first user and a checkout duration for the first user. The device may detect a second entry of a second user device of a second user into the merchant area. The device may perform one or more actions based on detecting the second entry. The one or more actions may be performed selectively based on the shopping duration or the checkout duration of the first user.