Abstract: Aspects described herein may allow for a payment card having a first surface and an opposed second surface. A plurality of surface irregularities is formed on the first surface, with the plurality of surface irregularities defining alphanumeric characters. A phosphorescent coating is formed on at least a portion of the surface irregularities.

Abstract: A system can include a machine learning model trained to develop preference profiles based on historical user interaction data and instructions that, when executed by the one or more processors, cause the computing system to perform operations. The operations can include receiving, from one or more third party networks, historical user interaction data associated with a first user; processing the historical user interaction data with the machine learning model to generate the preference profile of the first user; receiving, from a user device associated with a second user, an identifier associated with the first user; detecting an object displayed on the user device; generating, via the machine learning model, a compatibility score based on comparing the detected object to the preference profile of the first user; and causing the compatibility score to be displayed on the user device.

Abstract: Example embodiments of systems and methods for preventing chip fraud are provided. A chip fraud prevention system may comprise a device including a chip, wherein the chip is at least partially encompassed in a chip pocket. One or more connections may be communicatively coupled to one or more surfaces of the chip, and a capacitance member may be coupled to a surface of the chip. The capacitance member may comprise a known capacitance value and the chip may comprise a memory containing an applet, wherein the applet is configured to measure the capacitance value of the capacitance member.

Abstract: Methods and systems are described herein for manipulating a communication acceptance screen, manipulating an interactive communication acceptance icon, and restricting access to accounts based on voice communication parameters. In particular, when a communication is detected from one device to another device, that communication may be risky. Thus, the risk is mitigated by giving a user information about the source of the communication to give a user a chance to reject the communication. In addition, in instances where the user accepts the communication, the system enables monitoring the communication and restricting any accounts that are disclosed within the communication.

Abstract: Methods and systems are described herein for manipulating a communication acceptance screen, manipulating an interactive communication acceptance icon, and restricting access to accounts based on voice communication parameters. In particular, when a communication is detected from one device to another device, that communication may be risky. Thus, the risk is mitigated by giving a user information about the source of the communication to give a user a chance to reject the communication. In addition, in instances where the user accepts the communication, the system enables monitoring the communication and restricting any accounts that are disclosed within the communication.

Abstract: A smart card includes a plurality of display devices on an outside surface of a housing. Circuitry within the housing includes a processor, and communication circuitry configured to communicate with at least one computing device located within a geographic region around the smart card. The processor is configured to continuously receive a plurality of communication signals from the computing device, to continuously assess a geographic distance from the smart card to the fixed position of the computing device within the geographic region using the plurality of communication signals, to continuously activate or deactivate the plurality of display devices based on the geographic distance from the smart card to the fixed position of the computing device in the geographic region for providing a user with a directional indication, distance indication, or both, to the computing device in the geographic region.

Abstract: Provided are foldable transaction cards with a living hinge. In some approaches, a transaction card may include a body including a first main side opposite a second main side, wherein an identification chip is coupled to the body, and wherein a living hinge connects a first section of the body and a second section of the body. The living hinge may extend between the first and second main sides of the body, wherein the first and second sections of the body are pivotable about the living hinge between a stowed configuration and a deployed configuration.

Abstract: Various embodiments are directed to a method and system for provisioning a merchant-specific payment apparatus, such as a temporary payment card, via a computing device, such as an automated teller machine (ATM). A user, such as a customer, may specify a merchant. A record of known payment acceptance types at that merchant may be returned, which may be used to determine what type of temporary payment card gets issued to the user.

Abstract: Aspects discussed herein may relate to techniques for authenticating a user using transaction-based authentication questions. The transaction-based authentication questions may include one or more “false answer” merchants as potential answers. The false answer merchant choices may exclude any merchant that the user conducted a transaction with using a financial account that is not the financial account for which the user requires authentication. In turn, the false answer merchant choices that are presented to the user are less likely to confuse the user. Consequently, the likelihood that the user answers the transaction-based authentication question incorrectly is reduced, thereby avoiding delays related to the authentication processes that may frustrate the user.

Abstract: Aspects discussed herein may relate to techniques for authenticating a user using transaction-based authentication questions. The transaction-based authentication questions may be generated based on a subset of available financial data. Refund transactions and their related transactions may be identified within the available financial data. Data from the refund transactions and their related transactions may be excluded from being used to generate transaction-based authentication questions. In turn, the transaction-based authentication questions are less likely to confuse the user and are more likely to be memorable to the user. Consequently, the likelihood that the user answers the transaction-based authentication question incorrectly is reduced, thereby avoding delays related to the authentication processes that may frustrate the user.

Abstract: Methods and systems are described herein for manipulating a communication acceptance screen, manipulating an interactive communication acceptance icon, and restricting access to accounts based on voice communication parameters. In particular, when a communication is detected from one device to another device, that communication may be risky. Thus, the risk is mitigated by giving a user information about the source of the communication to give a user a chance to reject the communication. In addition, in instances where the user accepts the communication, the system enables monitoring the communication and restricting any accounts that are disclosed within the communication.

Abstract: Systems and methods for providing fraud prevention inserts in a chip pocket of a card are provided. A chip fraud prevention system includes a device including a chip and one or more fraud prevention inserts. The chip, and the fraud prevention inserts, may be at least partially encompassed in a chip pocket.

Abstract: Example embodiments of systems and methods for preventing chip fraud are provided. A chip fraud prevention system may comprise a device including a chip, wherein the chip is at least partially encompassed in a chip pocket. One or more connections may be communicatively coupled to one or more surfaces of the chip, and a capacitance member may be coupled to a surface of the chip. The capacitance member may comprise a known capacitance value and the chip may comprise a memory containing an applet, wherein the applet is configured to measure the capacitance value of the capacitance member.

Abstract: In some implementations, a device of a user may receive user input indicative of a selection of an application implemented by the device. The user input may be received via a graphical user interface presented by the device. The user input may be received while the application is in an unlaunched state in which the user is unauthenticated for use of the application. The device may obtain, while the application is in the unlaunched state, one or more messages of the application. The device may cause, while the application is in the unlaunched state, information indicative of at least one message, of the one or more messages, to be displayed in the graphical user interface.

Abstract: In certain embodiments, streaming of a live video to trigger-associated recipients in response to triggers in an environment may be facilitated. In some embodiments, one or more triggers may be detected in an environment, and one or more actions associated with the detected triggers may be performed. As an example, where such associated actions include streaming a live video of the environment to one or more recipients, the recipients may be selected as candidates to receive the live video stream based on the recipients being part of a recipient list associated with a detected trigger. In some embodiments, although a first recipient of the recipient list may initially be selected to receive the live video stream, the live video may be streamed to a second recipient of the recipient list based on the first recipient being unavailable to receive the live video stream.

Abstract: Systems and methods for providing fraud prevention inserts in a chip pocket of a card are provided. A chip fraud prevention system includes a device including a chip and one or more fraud prevention inserts. The chip, and the fraud prevention inserts, may be at least partially encompassed in a chip pocket.

Abstract: Exemplary embodiments relate to updatable displays for transaction cards, such as credit cards or event passes. The displays may be, for instance, an electrophoretic or memory liquid crystal diode display. The transaction card may include a contact pad capable of engaging in wireless communication. Information may be exchanged between the transaction card and a mobile device or terminal, where a processor on the mobile device processes the received information to generate displayable information. The processor updates the display with the displayable information. The contact pad may be electrically connected to the display, and the display may derive electrical power to perform the updating from the wireless communication. For example, where the wireless communication is a near field communication (NFC), a radio frequency field may be generated that supplies enough power to run the processor and at least partially update the display.

Abstract: Systems and methods for overmolding a card are provided. A chip fraud prevention system include a device including a chip and a substrate. The chip may be at least partially encompassed in a chip pocket, and the substrate may be at least partially encompassed by the overmold.

Abstract: An automated method is provided for activating a NFC application in a mobile interface device. In this method, the device receives from a beacon a wireless beacon signal comprising at least one beacon identifier. The wireless beacon signal is processed by the mobile interface device to determine the at least one beacon identifier. The mobile interface device determines based on the at least one beacon identifier, whether to activate the NFC application. Responsive to a determination that the NFC application should be activated, the mobile interface device transitions the NFC application from a passive state to an active state. NFC communication is then established between the mobile interface device and at least one NFC transmitting device disposed within a beacon range volume defined by the beacon location and the beacon range.

Abstract: A smart card includes a plurality of display devices on an outside surface of a housing. Circuitry within the housing includes a processor, and communication circuitry configured to communicate with at least one computing device located within a geographic region around the smart card. The processor is configured to continuously receive a plurality of communication signals from the computing device, to continuously assess a geographic distance from the smart card to the fixed position of the computing device within the geographic region using the plurality of communication signals, to continuously activate or deactivate the plurality of display devices based on the geographic distance from the smart card to the fixed position of the computing device in the geographic region for providing a user with a directional indication, distance indication, or both, to the computing device in the geographic region.