Abstract: Provided are transaction cards with a reduced weight core. In some approaches, a transaction card may include a body having a first outer layer opposite a second outer layer, and a corrugated core between the first outer layer and the second outer layer, wherein the corrugated core comprises a plurality of alternating peaks and valleys coupled to the first outer layer and the second outer layer. The transaction card may further include an identification chip positioned through the first outer layer, wherein the identification chip is directly coupled to the corrugated core.

Abstract: Provided are transaction cards including an infinity mirror. In some approaches, a transaction card may include a body comprising a first reflective layer and a second reflective layer, and a light source between the first reflective layer and the second reflective layer.

Abstract: Methods, systems, and apparatuses are described herein for improving computer authentication processes by generating authentication questions based on the availability of statements. A computing device may receive a request for access to an account. The computing device may receive transactions data that indicates a plurality of transactions. The computing device may determine that a first subset of the plurality of transactions were indicated in one or more statements sent to the user. The computing device may determine that a second subset of the plurality of transactions have not been indicated in the one or more statements sent to the user. The computing device may generate authentication questions based on the first subset and the second subset. The computing device may receive candidate responses to the authentication questions, and provide access to the account based on the candidate responses.

Abstract: In some implementations, a system may receive an audio stream associated with a call between a user and an agent. The system may analyze the audio stream to identify a trigger associated with the type of information. The system may monitor, based on identifying the trigger in a first section of the audio stream, a second section of the audio stream for audio content that identifies user information associated with the user. The system may identify a subsection of the second section that includes the audio content, wherein the subsection is identified based on a characteristic of the audio content and the type of information. The system may alter an audio characteristic of the subsection to prevent the agent from receiving the user information via the audio stream.

Abstract: Provided are compact transaction cards. In some approaches, a body of the card includes first and second sections rotatably coupled together, wherein the first and second sections define a first main side opposite a second main side, an insertion end perimeter opposite a second end perimeter, and a first side perimeter opposite a second side perimeter. The body may include a chip along the first main side, the chip being located on the first section of the body. A magnetic stripe may be provided along the second main side of the body, wherein the magnetic stripe is located on the second section, wherein the magnetic stripe extends parallel to the insertion end perimeter when the first and second sections are in a first configuration, and wherein the magnetic stripe extends perpendicular to the insertion end perimeter when the first and second sections are in a second configuration.

Abstract: In some implementations, a system may receive an audio stream associated with a call between a user and an agent. The system may process, by the device and using a speech alteration model, speech from a first channel of the audio stream to alter the speech from having a first speech characteristic to having a second speech characteristic, wherein the speech alteration model is trained based on reference audio data associated with the first speech characteristic and the second speech characteristic and based on reference speech data associated with the first speech characteristic and the second speech characteristic. The system may extract the speech from the first channel that has the first speech characteristic. The system may provide, within a second channel of the audio stream, altered speech that corresponds to the speech and that has the first speech characteristic.

Abstract: Provided are compact transaction cards. In some approaches, a transaction card may include a body having first and second main sides, a first and second end perimeter perimeters, and first and second side perimeters, wherein a first axis extending between the first and second side perimeters defines a first section of the body and a second section of the body. The card may further include an identification chip along the first main side and a magnetic stripe along the second main side, wherein the magnetic stripe extends between the first and second side perimeters, and wherein the magnetic stripe and the identification chip are located on the first section of the body. The card may further include a textured grip along at least one of the first main side and the second main side, wherein the textured grip is positioned only on the second section of the body.

Abstract: Methods, systems, and apparatuses are described herein for improving computer authentication processes through the exclusion of certain merchants that may cause confusion. Indications of a plurality of different merchants, including merchant logos may be received. The indications may be processed to identify at least one similarity between a first merchant and a second merchant. A request for access to an account associated with a user and transaction data corresponding to the account may be received. Based on the similarity between the first merchant and the second merchant, at least one transaction corresponding to the first merchant may be removed to generate processed transaction record. An authentication question may be generated and a candidate response to the authentication question may be received. Based on the candidate response, access to the account may be provided.

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: In some implementations, a printing system may include a card printer that includes a printing controller and a marking device. The card printer may be configured to receive a first printing instruction or a second printing instruction associated with printing an account identifier on a card. The card printer may receive one of the first printing instruction or the second printing instruction based on whether a risk score, associated with the account identifier, satisfies a threshold. The card printer may print a full account identifier, associated with the card, on a surface of the card based on receiving the first printing instruction. The card printer may print the card without the full account identifier on the surface of the card based on receiving the second printing instruction.

Abstract: Systems and methods of the present disclosure enable context-aware haptic error notifications. The systems and methods include a processor to receive input segments into a software application from a character input component and determine a destination. A context identification model predicts a context classification of the input segments based at least in part on the software application and the destination. Potential errors are determined in the input segments based on the context classification. An error characterization machine learning model determines an error type classification and an error severity score associated with each potential error and a haptic feedback pattern is determined for each potential error based on the error type classification and the error severity score of each potential error of the one or more potential errors. And a haptic event latency is determined based on the error type classification and the error severity score of each potential error.

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: Methods, systems, and apparatuses are described herein for improving computer authentication processes using static authentication questions with answers that change based on user account information. A request for access to an account may be received. A static question may be received. The static question may comprise one or more prompts and a plurality of different predetermined answers. Transaction data may be received. Based on the transaction data, a portion of the plurality of different predetermined answers may that correspond to correct answers may be determined. The question may be presented to a user, and a candidate response may be received. Access to the account may be provided based on the candidate response.

Abstract: A computing device may determine that a condition exists with respect to a user of an application. Based on the determined condition, the computing device may determine an action for the user to perform via the application, and an associated importance level of the action. The computing device may identify a user interface element of the application that is associated with the action and a color that is associated with the importance level. The computing device may change the appearance of the identified user interface element such that the user interface element has the color that is associated with the importance level of the action.

Abstract: In some implementations, a device may receive an indication of an item associated with a user and a first entity and may store information associated with the item in a first entry of a first database associated with the user. The device may identify a second entry in a second database associated with the first entity. The second entry may identify one or more documents associated with the item, and the second database may identify documents for a second set of items associated with the first entity. The device may map the first entry to the second entry to enable the one or more documents associated with the item to be associated with the first entry of the first database associated with the user. The device may transmit an indication of at least one document of the one or more documents.

Abstract: Aspects described herein may allow for authenticating a user by generating a customized set of authentication questions based on spending patterns that are automatically detected and extracted from user data. The user data may include transaction data collected over a period of time that may indicate the types of merchants that a user frequently transacts with. By automatically detecting user patterns that correspond to user behavior over a period of time, an authentication system may be able to generate authentication questions about those spending patterns that are easily answerable to an authentic user but difficult to guess or circumvent for any other user.

Abstract: Aspects described herein may allow for generating a customized price rating using a machine learning algorithm. This may have the effect of improving the display of information about merchants by including customized, personalized price ratings that better reflect the tastes and preferences of a user or group of users. According to some aspects, these and other benefits may be achieved by using a machine learning model, trained to receive input corresponding to both user data and merchant data and output an indication of customized price rating(s) for the merchant that is specific to one or more users, and then to generate information about the merchant for display that includes the customized price rating(s).

Abstract: Methods, systems, and apparatuses are described herein for authenticating access to an account using questions which allow users to provide textual information about transactions conducted by an account. A machine learning model may be trained to predict the guessability of merchants. A request for access to an account may be received, and transaction data for that account may be received. An authentication question may be presented. For example, a user may be prompted to list places they have shopped recently. A user response comprising text data may be received. The text data may be processed to identify one or more merchants. If the one or more merchant(s) are represented in the transaction data, the machine learning model may be used to determine the guessability of the one or more merchants. An authentication score may be determined based on the guessability, and access to the account may be provided.

Abstract: Aspects described herein may provide techniques for authenticating a user using transaction-based authentication questions that are generated based on item-level purchase data. The item-level purchase data of a transaction may include specific details of a transaction such as identification of each item purchased and corresponding prices paid for each item. Transaction-based authentication questions for a financial account may be generated based on the item-level purchase data that an authorized user of the financial account is likely to remember and that a malicious actor is unlikely to correctly guess. As a result, the authorized user of the account is likely to be correctly authenticated while the malicious actor is likely to answer the transaction-based authentication question incorrectly. Authentication can therefore effectively block malicious actors without overly burdening actual authorized users during the authentication process.

Abstract: Methods, systems, and apparatuses are described herein for authenticating access to an account using questions relating to which user, of a plurality of users authorized to access the account, performed certain actions. A request for access to an account may be received. Transaction data for the account may be received. A list of merchants may be generated for at least one transaction. An authentication question relating to the identity of a user that conducted a transaction may be generated. For example, the authentication question may prompt the user to indicate which authorized user(s) conducted particular transaction(s). The user device may be provided the authentication question. A response to the authentication question may be received. Access to the account may be provided based on the response.