Abstract: Example embodiments of systems and methods for secure online order pick up and data transmission system between transmitting and receiving devices are provided. In an example embodiment, a user may be required to confirm his or her identity prior to using an application, utilizing enhanced or restricted features of an application or device, viewing sensitive information, or taking certain actions. A transmitting device, such as a contactless card, may be employed as means for confirming a user's identity and access these features.

Abstract: Aspects described herein allow for systems and methods for spending reward points utilizing payment tokens and verifying reward payment tokens in cross-site transactions for reward purchases. The reward payment token system may include one or more of a reward payment token server, a merchant server, or one or more devices all connected via the network. The reward payment token server may include one or more of the following components: a reward payment token engine, a token translation engine, a rewards engine, a reward payment token database, or a rewards database. The reward payment token system and reward payment token server provide the unique capability of providing real-time spending of rewards without the customer having a pre-existing relationship and/or integration between the two businesses.

Abstract: Embodiments disclosed herein generally relate to a system and method for detecting fraudulent computer activity. A computing system generates a plurality of synthetic identities. Each of the plurality of synthetic identities mimics information associated with a verified identity. The computing system receives, from a user, an input attempt. The input attempt includes a synthetic identity of the plurality of synthetic identities. The computing system compares input information in the input attempt to the plurality of synthetic identities. The computing system determines that the input information in the input attempt includes information from the plurality of synthetic identities, if it does, the computing system rejects the input attempt.

Abstract: A transaction card is provided for communicating with a computing device. The transaction card may comprise a computer interface device, at least one memory, at least one processor, and a card reader module. The card reader module configured to receive, from the computing device through the computer interface device, a first data packet comprising a request associated with a transaction, the first data packet being compatible with an interface protocol. The card reader module may process the first data packet to generate a second data packet compatible with the payment authentication protocol; provide the second data packet to the processor; receive, from the processor, a third data packet comprising a response to the request; process the third data packet to generate a fourth data packet based on the response, the fourth data packet compatible with the interface protocol; and transmit, to the computer interface device, the fourth data packet.

Abstract: Methods and systems disclosed herein may communicate information, such as alerts and notifications, to a cardholder via a color-changing transaction card. In particular, the cardholder may configure one or more thresholds that establish when a transaction card may change colors. For instance, a transaction card may change colors at, or while approaching, a first threshold. The transaction card may change colors at, or while approaching, a second threshold. When the cardholder's balance goes below the thresholds, the transaction card may revert back to the lower threshold color or the original color of the transaction card. Using the techniques described herein a financial institution may convey information to a cardholder in a way that does not require the cardholder to digitally engage with the financial institution.

Abstract: Example embodiments of systems and methods for secure online order pick up and data transmission system between transmitting and receiving devices are provided. In an example embodiment, a user may be required to confirm his or her identity prior to using an application, utilizing enhanced or restricted features of an application or device, viewing sensitive information, or taking certain actions. A transmitting device, such as a contactless card, may be employed as means for confirming a user's identity and access these features.

Abstract: Systems and methods are provided for providing a customized user experience. Providing a customized user experience may include receiving, from a graphical user interface displayed on a mobile device a user input indicative of a preferred level of interaction by the user, and monitoring, by a sensor, a facial expression of the user. Then, a first preference metric may be assigned to the user based on the monitored facial expression. Providing a customized user experience may further include monitoring, by a sensor, a behavior of the user, assigning a second preference metric based on the monitored behavior, and aggregating at least the user input, the first preference unit, and the second preference metric to generate a preference score of the user. The preference score may be stored in a central database, displayed on a remote device, and used to modify a customer service experience.

Abstract: A user device may receive sensor data relating to one or more physical objects, transmit the sensor data to a server, receive a user profile relating to a user of the device, identify a user interface element corresponding to an application, modify the user interface element based on the user profile, and display the modified user interface element. A server may receive data relating to one or more physical objects, identify the one or more design patterns based on the one or more physical objects, create a user profile, update the user profile, receive application data relating to one or more applications running on a device remote from the server, identify a user interface element corresponding to the one or more applications running on the device, modify the user interface element based on the updated user profile, and transmit the modified user interface element to the device.

Abstract: A system can include, for example, a secure data module(s) configured to store sensitive data regarding the user(s), a synthetic dataset generating module(s) configured to generate the synthetic dataset based on the sensitive data, and a control module configured to receive a request from an application for a dataset related to the user(s), provide the request to the synthetic dataset generating module(s), receive the synthetic dataset from the synthetic dataset generating module(s), and provide the synthetic dataset to the application. The synthetic dataset generating module(s) can be configured to generate the synthetic dataset based on the dataset.

Abstract: Methods and systems disclosed herein may communicate information, such as alerts and notifications, to a cardholder via a color-changing transaction card. In particular, the cardholder may configure one or more thresholds that establish when a transaction card may change colors. For instance, a transaction card may change colors at, or while approaching, a first threshold. The transaction card may change colors at, or while approaching, a second threshold. When the cardholder's balance goes below the thresholds, the transaction card may revert back to the lower threshold color or the original color of the transaction card. Using the techniques described herein a financial institution may convey information to a cardholder in a way that does not require the cardholder to digitally engage with the financial institution.

Abstract: A device may receive meeting data associated with a first meeting, the first meeting having previously occurred. The device may obtain, based on the meeting data, data identifying at least one individual associated with the first meeting and data identifying at least one topic associated with the first meeting. In addition, the device may identify a second meeting based on the at least one individual or the at least one topic, the second meeting having not yet occurred. The device may provide, to a user device associated with the second meeting and based on identifying the second meeting, at least a portion of the meeting data associated with the first meeting.

Abstract: Systems and methods are provided for providing a customized user experience. Providing a customized user experience may include receiving, from a graphical user interface displayed on a mobile device a user input indicative of a preferred level of interaction by the user, and monitoring, by a sensor, a facial expression of the user. Then, a first preference metric may be assigned to the user based on the monitored facial expression. Providing a customized user experience may further include monitoring, by a sensor, a behavior of the user, assigning a second preference metric based on the monitored behavior, and aggregating at least the user input, the first preference unit, and the second preference metric to generate a preference score of the user. The preference score may be stored in a central database, displayed on a remote device, and used to modify a customer service experience.

Abstract: A device may receive meeting data associated with a first meeting, the first meeting having previously occurred. The device may obtain, based on the meeting data, data identifying at least one individual associated with the first meeting and data identifying at least one topic associated with the first meeting. In addition, the device may identify a second meeting based on the at least one individual or the at least one topic, the second meeting having not yet occurred. The device may provide, to a user device associated with the second meeting and based on identifying the second meeting, at least a portion of the meeting data associated with the first meeting.

Abstract: Methods and systems disclosed herein may communicate information, such as alerts and notifications, to a cardholder via a color-changing transaction card. In particular, the cardholder may configure one or more thresholds that establish when a transaction card may change colors. For instance, a transaction card may change colors at, or while approaching, a first threshold. The transaction card may change colors at, or while approaching, a second threshold. When the cardholder's balance goes below the thresholds, the transaction card may revert back to the lower threshold color or the original color of the transaction card. Using the techniques described herein a financial institution may convey information to a cardholder in a way that does not require the cardholder to digital engage with the financial institution.

Abstract: The disclosed embodiments provide systems, methods, and techniques for managing merchandising cards. A merchandising card may be, for example, a gift card, loyalty card, or the like. Consistent disclosed embodiments, a system for managing merchandising cards may include one or more memory devices storing instructions and one or more processors configured to acquire, from a device over a network, a plurality of locations associated with the device, the device locations being acquired at different instances in time within a predetermined period of time. Additionally, the processor may be configured to calculate a merchant confidence rating for a merchant using the device locations. Further, the one or more processors may be configured to, based on the merchant confidence rating, determine that the merchant matches a merchant that is associated with merchandising card, and send a reminder a user of the device.

Abstract: A system for verifying a user identity. The system comprises one or more memory devices storing instructions and one or more processors configured to execute the instructions. The processors are configured to receive information associated with an account of a user. The processors are further configured to generate a first profile, where the first profile being related to the user. The processors also receives an indication that the account is accessed by an accessor through an accessor device; and receive, from the accessor device, identity data comprising a plurality of data subsets associated with the accessor. The processors are configured to store the data subsets in respective clusters. The processors are further configured generate cluster analyses by analyzing the data subsets in respective clusters; and output the cluster analyses to node instances that weighs the cluster analyses outputs.

Abstract: Methods and systems disclosed herein may communicate information, such as alerts and notifications, to a cardholder via a color-changing transaction card. In particular, the cardholder may configure one or more thresholds that establish when a transaction card may change colors. For instance, a transaction card may change colors at, or while approaching, a first threshold. The transaction card may change colors at, or while approaching, a second threshold. When the cardholder's balance goes below the thresholds, the transaction card may revert back to the lower threshold color or the original color of the transaction card. Using the techniques described herein a financial institution may convey information to a cardholder in a way that does not require the cardholder to digital engage with the financial institution.

Abstract: Methods and systems disclosed herein may communicate information, such as alerts and notifications, to a cardholder via a color-changing transaction card. In particular, the cardholder may configure one or more thresholds that establish when a transaction card may change colors. For instance, a transaction card may change colors at, or while approaching, a first threshold. The transaction card may change colors at, or while approaching, a second threshold. When the cardholder's balance goes below the thresholds, the transaction card may revert back to the lower threshold color or the original color of the transaction card. Using the techniques described herein a financial institution may convey information to a cardholder in a way that does not require the cardholder to digital engage with the financial institution.

Abstract: The disclosed embodiments provide systems, methods, and techniques for managing merchandising cards. A merchandising card may be, for example, a gift card, loyalty card, or the like. Consistent disclosed embodiments, a system for managing merchandising cards may include one or more memory devices storing instructions and one or more processors configured to acquire, from a device over a network, a plurality of locations associated with the device, the device locations being acquired at different instances in time within a predetermined period of time. Additionally, the processor may be configured to calculate a merchant confidence rating for a merchant using the device locations. Further, the one or more processors may be configured to, based on the merchant confidence rating, determine that the merchant matches a merchant that is associated with merchandising card, and send a reminder a user of the device.

Abstract: A system for verifying a user identity. The system comprises one or more memory devices storing instructions and one or more processors configured to execute the instructions. The processors are configured to receive information associated with an account of a user. The processors are further configured to generate a first profile, where the first profile being related to the user. The processors also receives an indication that the account is accessed by an accessor through an accessor device; and receive, from the accessor device, identity data comprising a plurality of data subsets associated with the accessor. The processors are configured to store the data subsets in respective clusters. The processors are further configured generate cluster analyses by analyzing the data subsets in respective clusters; and output the cluster analyses to node instances that weighs the cluster analyses outputs.