Abstract: Methods, systems, and apparatuses are described herein for improving computer authentication processes by generating authentication questions based on the location of a user. Transaction data indicating a plurality of transactions associated with a user account may be received. Location data indicating a plurality of locations of a user device might be received. At least a subset of the plurality of transactions may be tagged, based on the location data, with an indication that a user was present for a respective transaction. For example, a location of a merchant might be compared to a user device location indicated by the location data. A plurality of authentication questions might be generated based on the subset of the plurality of transactions. Access to the user account might be provided based on responses to the plurality of authentication questions.

Abstract: Embodiments are directed to methods and techniques for providing power via piezoelectric components on contactless cards.

Abstract: In some embodiments, the present disclosure provides an exemplary method that may include steps of obtaining, a permission from each user to monitor a plurality of activities; continually receiving monitoring data of the plurality of activities; identifying a plurality of related incoming interaction sessions within the predetermined period of time; automatically verifying at least one common session parameter; utilizing a machine learning algorithm to determine at least one transaction; determining a plurality of fraudulent transactional rules; automatically adjusting the plurality of fraudulent transactional rules; utilizing a natural language processing algorithm to automatically generate at least one interaction notification; receiving a response to the interactive notification; and automatically updating the database of known session interaction parameters based on the response to the interactive notification.

Abstract: In some embodiments, the present disclosure provides an exemplary method that may include steps of monitoring, a conversation script between a call center agent and a customer; utilizing, a speech-to-text deep machine learning model to transcribe the audio call to text; utilizing, a natural language processing deep machine learning model to map intent mappings of the audio call; utilizing, a similarity measurement model to determine a semantic similarity between predefined intent mappings and the intent mappings of the call audio text; determining, an error based on the semantic similarity in the intent mapping call audio text; determining a training session based on the error.

Abstract: Systems and methods of location-aware caller identification via machine learning techniques are disclosed. In one embodiment, an exemplary computer-implemented method may include: utilizing a trained call annotation machine learning model to determine one or both of an annotating condition and annotating location granularity, and associate one location of a user with one phone number of the user based at least on one or both of the annotating condition and the annotating location granularity; receiving second transactional information of one transaction associated with a first user; extracting second location information from the second transactional information of the one transaction; utilizing the trained call annotation machine learning model to automatically annotate one phone number record of one phone number of the first user, with the second location information at the annotating location granularity to form at least one user-specific location-specific annotated phone number record.

Abstract: A computer-implemented method comprising: instructing a computing device to obtain a permission from the user to monitor a plurality of activities executed within the computing device; receiving a call session request from a computing device associated with a second user; utilizing a trained machine learning algorithm to confirm an identity of the user based on the call session interaction parameter to confirm the call interaction session as a verified call interaction session; generating a fictitious call session interaction parameter that differs from the at least one call session interaction parameter; modifying the call session request into a verified call session request by replacing the call session interaction parameter with the fictitious call session interaction parameter; utilizing a telecommunication network to transmit the verified call session request with the at least one fictitious session interaction parameter to the first calling-enabled computing device; automatically instructing the first c

Abstract: Methods, systems, and apparatuses are described herein for improving the accuracy of authentication questions using transaction limitations provided by users. A request for access to an account associated with a user may be received from a user device. An account restrictions database may be queried to determine one or more transaction rules associated with the account. The one or more transaction rules may have been created by the user and indicate limitations on financial transactions that may be performed via the account. An authentication question may be generated that is associated with a violation of the one or more transaction rules. The authentication question may be provided to the user device, and a response to the authentication question may be received. Access to the account may be provided to the user device based on the response.

Abstract: Systems and methods are disclosed including receiving an electronic access request to add a secondary electronic profile of a secondary user to a primary electronic profile of a primary user. A processor generates and sends a first security challenge to the primary user and a secondary security challenge to the secondary user. The processor receives a response from the primary user in response to the first security challenge and a response from the secondary user in response to the secondary security challenge. The processor authenticates the electronic access request based on the first response being a valid response and the secondary response being a valid response. The processor generates the secondary electronic profile as a nested profile within the primary electronic profile. The processor instructs the primary user device or the secondary user device to display a confirmation of the secondary user being added to the primary electronic profile.

Abstract: Disclosed embodiments may include a method for authenticating calls for a call center where the user can authenticate before or after starting a call to a call center using an application on a user device. The system determines what level of authentication is necessary depending on the task the user wants to accomplish during the call. The system may direct the user to provide credentials, such as a username and password, for some tasks. Other tasks may require the user to verify their financial card by taking a photo of their financial card or tapping their financial card to their device and allow the device to interact with the financial card using NFC technology. Once appropriately authenticated, the system then allows the user to make a call to the call center and also sends a signal to the call center that the user has been previously authenticated.

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: A system may include processor(s), a memory in communication with the processor(s), and storing instructions, that when executed by the processor(s), are configured to cause the system to prevent unnecessary payments. The system may receive a signal indicative of an event in which a user device associated with a user enters a geofenced area associated with a merchant. The system may identify a merchant category code (MCC) associated with the merchant, and determine whether benefit(s) related to the MCC are associated with account(s) of the user. The system may receive an attempted purchase associated with the merchant, and may determine whether the attempted purchase relates to the benefit(s). The system may automatically block the attempted purchase related to the benefit(s) and associated with the user, and may transmit a message to the user via the user device, the message providing the benefit(s).

Abstract: Methods and systems are described herein for novel uses and/or improvements to sharing cryptographic tokens based on user's real-world actions through social media so those real-world actions may be confirmed as authentic (e.g., verified and/or validated). More specifically, methods and systems disclosed herein enable sharing validated user activity by generating and using cryptographic tokens. The system may ensure that the cryptographic tokens verify the user's activity. The system may extract token data of a cryptographic token to post to a social media platform for activity verification. Thus, by using cryptographic tokens of the user's activity data, the system is able to verify the user's activity.

Abstract: Authentication card with integrated cloth. In some aspects, an authentication card for short range wireless communications includes a first card layer comprising a first cutout, a second card layer, and a fabric layer fastened between the first and second card layer, where the fabric layer is exposed through the first cutout. A microchip may be provided on the first card layer, wherein the microchip is coupled with an antenna enabling authentication (e.g., contactless) by employing radio frequency identification (RFID) or near field communication (NFC).

Abstract: A method for identifying correlated users. The method may include: receiving connection data for each of one or more other users; determining a degree of connection of the one or more other users to the first user; receiving query information from one or more electronic devices associated with the first user; receiving authentication information for each of the one or more other users; determining a destination of the first user based on the query information; determining one or more other user destinations for the one or more other users; identifying one or more correlated other users from the one or more other users by comparing the destination of the first user with user destinations of the one or more other users and further based on the degree of connection of the one or more other users; and providing the identified one or more correlated other users to the first user.

Abstract: Aspects provided may allow for an entity to deactivate a virtual card number (VCN). In particular, aspects provide for deactivating VCNs based on a frequency or periodicity of an interaction. After deactivation, the entity may block future charges to the VCN. Further aspects provide for using incoming charge data sent to one or more previous users to train a machine learning model to determine the frequency or periodicity of the interaction. Additional aspects may also provide for including trial length when determining the deactivation date, providing VCN configuration options to a user, and notifying the user based on upcoming and current VCN status changes.

Abstract: Disclosed embodiments and aspects thereof pertain to user authentication. An original image can be selected from an electronic device of a user. Computer-generated images can be based on the original image such that the computer-generated images appear similar but are distinguishable such that the user can recognize them as computer-generated. The original image and one or more computer-generated images can be conveyed to a user device for display and selection. The user can be authenticated based on user input identifying the original image.

Abstract: Disclosed embodiments may include a method for systems and methods for providing mobility-impaired transactional or identify documents processing. The method may include receiving login credentials associated with an account and a request to deposit a check into the account, and identifying, using an image recognition model, a presence of a check in a visual field of the image capture device. Then the method may include obtaining, via the image capture device, a plurality of digital images of a front side of the check, and generating, based on the plurality of digital images of the front side of the check, a composite image of the front side of the check. The method may further include creating a recording of an endorsement gesture and transmitting the composite image of the front side of the check and the recording of the endorsement gesture to a back-end server.

Abstract: Methods and systems are described herein for processing electronic messages. A processing system may be used to facilitate the processing. The system may receive a plurality of electronic messages associated with a user and may input electronic messages into a machine learning model to obtain electronic messages that contain authorization packages for entities, wherein the machine learning model is trained to identify electronic messages that contain authorization packages. The system may determine based on the electronic messages an authorization package comprising a token identifier, and entity identification data identifying an entity. The system may determine an application programming interface for communicating with an entity device and user identification data used by the user to access the entity device. The system may then transmit a command for executing a first operation at the entity device, wherein the command includes the user identification data and the authorization package.

Abstract: Systems and methods for fraud monitoring are disclosed, including: receiving a transaction request associated with a first instrument of a user; extracting, characteristics of the transaction request; identifying, by the first processor, user data based on the transaction request; determining a fraud severity value and notification value based on inputting the characteristics and user data into a fraud machine learning model; performing a first fraud action based on the fraud severity value; wherein the first fraud action is at least one selected from the group of locking the first instrument for a period of time, deactivating the first instrument, and electronically transmitting a first query message to a user device associated with the first instrument; and transmitting a fraud notification based on the notification value, wherein the fraud notification includes severity information associated with the fraud severity value.

Abstract: Methods, systems, and apparatuses are described herein for improving computer authentication processes using vocal confidence processing. A request for access to an account may be received. An authentication question may be provided to a user. Voice data indicating one or more vocal utterances by the user in response to the authentication question may be received. The voice data may be processed, and a first confidence score that indicates a degree of confidence of the user when answering the authentication question may be determined. An overall confidence score may be modified based on the first confidence score. Based on determining that the overall confidence score satisfies a threshold, data preventing the authentication question from being used in future authentication processes may be stored. The data may be removed when a time period expires.