Fraud prevention systems and methods for selectively generating virtual account numbers

Disclosed embodiments may include a method that includes receiving first identifying information associated with a first user from a computing device; determining a score based on the first identifying information; determining whether the score is less than a threshold; pseudo-randomly generate and transmit a one-time use number to the computing device when the score is less than the threshold. When the score is greater than or equal to the threshold, the method may include transmitting, to the computing device, second instructions prompting the first user to provide second identifying information. Responsive to receiving the second identifying information of the first user, the method may include determining that the second identifying information matches stored second identifying information. Responsive to the second identifying information matching stored second identifying information, the method may include pseudo-randomly generate and transmit the one-time use number to the computing device.

FIELD

The disclosed technology relates to fraud prevention systems, particularly fraud prevention systems and methods for selectively generating a virtual account number (e.g., a one-time-use number) to better secure customer account information.

BACKGROUND

Customers and card issuers alike want to reduce the chances of fraud for purchases and transactions. Currently, customers in card-not-present transactions (e.g., “online” purchases over the Internet) provide their payment card (e.g., credit card or debit card) information (e.g., card number, cardholder name, expiration date, etc.) to merchants when making a purchase. Similarly, customers commonly provide their payment cards, which list such information, to merchants when making a card-present purchase. Though card-not-present transactions present higher risk, payment card information could be compromised via hackers or by the merchant itself in either type of transaction, which could lead to fraudulent purchases using the payment card information that the card issuer or the card holder may be liable for.

Accordingly, there is a need for improved fraud prevention systems to limit the risk of payment card information being compromised in both types of transactions, but particularly for card-not-present (e.g., online) transactions. Embodiments of the present disclosure are directed to this and other considerations.

SUMMARY

Disclosed embodiments may include a system that includes one or more processors and a memory in communication with the one or more processors and storing instructions are configured to cause the communication system to perform a method for selectively generating virtual account information (e.g., a one-time use number, which may be virtual account number associated with a user's account) for fraud prevention. For example, the system may receive first identifying information associated with a first user from a computing device and determine a score based on the first identifying information. When the systems determines that the score is less than a threshold, it may pseudo-randomly generate and transmit a one-time use number to the computing device. Conversely, when the score is greater than or equal to the threshold, the system may transmit second instructions to the computing device prompting the first user to provide second identifying information. Responsive to receiving the second identifying information of the first user, the system may then determine whether the second identifying information matches stored second identifying information. When it does, the system may pseudo-randomly generate and transmit the one-time use number to the computing device.

In another aspect, the systems in disclosed embodiments may perform another method for selectively generating a one-time use number for an outside system server. The system may receive a request from an outside system server to receive a one-time use number associated with a first user, and the request may include first user identifying information associated with the first user. Upon receiving this information, the system may determine a score based on the first user identifying information and whether the score is less than a threshold. When it is, the system may pseudo-randomly generate and transmit the one-time use number to the outside system server.

In yet another aspect, the systems in disclosed embodiments may perform yet another method for selectively generating a one-time use number for a user. The system may receive first identifying information associated with a first user from a computing device and determine. a score based on the first identifying information. Upon determining that the score is greater than or equal to a threshold, the system may also transmit second instructions to the computing device prompting the first user to provide second identifying information. Responsive to receiving the second identifying information of the first user, the system may determine that the second identifying information matches stored second identifying information and pseudo-randomly generate and transmit a one-time use number to the computing device.

Further features of the disclosed design, and the advantages offered thereby, are explained in greater detail hereinafter with reference to specific embodiments illustrated in the accompanying drawings, wherein like elements are indicated by like reference designators.

DETAILED DESCRIPTION

Some implementations of the disclosed technology will be described more fully with reference to the accompanying drawings. This disclosed technology may, however, be embodied in many different forms and should not be construed as limited to the implementations set forth herein. The components described hereinafter as making up various elements of the disclosed technology are intended to be illustrative and not restrictive. Many suitable components that would perform the same or similar functions as components described herein are intended to be embraced within the scope of the disclosed electronic devices and methods.

Reference will now be made in detail to example embodiments of the disclosed technology that are illustrated in the accompanying drawings and disclosed herein. Wherever convenient, the same reference numbers will be used throughout the drawings to refer to the same or like parts.

FIG.1is a flow diagram illustrating an exemplary method100for determining when to generate a virtual account number, in accordance with certain embodiments of the disclosed technology. The steps of method100may be performed by one or more components of a risk system508(e.g., virtual number generating system420or a web server510), as described in more detail with respect toFIGS.4and5.

In block102, the risk system508(e.g., a virtual number generating system420) may receive first identifying information associated with a first user from a computing device (e.g., third party server504shown inFIG.5). The first identifying information may include an email address and/or a phone number associated with the first user. The first identifying information may also include a first user device location (e.g., global positioning system information).

In block104, the risk system508(e.g., a virtual number generating system420) may determine a risk score based on the first identifying information, which may involve weighing any one or combination of the factors listed below.

In a first aspect, determining the risk score may include determining whether the received phone number matches a stored phone number. When it does, the system may generate, for example, a first sub-score that is equal to zero. When the phone number does not match the stored phone number, the system may generate a first sub-score that is greater than zero.

In a second aspect, determining the risk score may further include determining whether the received email associated with the first user matches a stored email associated with the first user. When it does, the system may generate a second sub-score that is equal to zero. When the email does not match the stored email, the system may generate the second sub-score that is greater than zero.

In a third aspect, determining the risk score may further include determining whether the first user device identifier associated with the first user matches a stored first user device identifier associated with the first user. The first user device identifier may be an internet protocol (IP) address, media access control (MAC) address, and international mobile equipment identity (IMEI). When it does, the system may generate a third sub-score that is equal to zero. When the first user device does not match the stored first user device, the system generate the third sub-score that is greater than zero.

In a fourth aspect, determining the risk score may further include determining the risk score by combining the first sub-score, the second sub-score, and the third sub-score. This could include aggregating the three sub-scores, averaging the three sub-scores, or aggregating the three sub-scores but applying different weights to the different sub-score to arrive at the risk-score. For example, the risk system508(e.g., a virtual number generating system420) would dynamically determine to weight the of each sub-score.

In block106, the risk system508(e.g., a virtual number generating system420) may determine whether the risk score is less than a risk threshold. When the risk system508determines that the risk score is less than the risk threshold, the method100may proceed to block108. When the risk system508determines that the risk score is greater than or equal to the risk threshold, the method100may proceed to block110. The risk system508(e.g., a virtual number generating system420) sets a risk threshold based on an analysis of preventing fraud and a number of customers prevented from conducting transactions. In some embodiments, the risk system508(e.g., a virtual number generating system420) may use one or more machine learning models to set the risk threshold based on previous risk assessments for prior transactions.

In block108, the risk system508(e.g., a virtual number generating system420) may generate and transmit a virtual number (e.g., a temporary or one-time use number) to the computing device (e.g., the third party server504). The virtual number may correspond with or be linked to a user or customer's credit card account or debit card account so that the user may make online or in person payments. The virtual number may be a temporary number such as a one-time use number that can only be used for a single transaction. The virtual number may be pseudo-random. That is the number may be generated so that some digits that corresponds correspond with a particular card network (E.g., Visa, Mastercard) or with the issuer of a card. For example, the first digit in a credit card number denotes the card network (e.g., 4 is Visa, 5 is Mastercard). After that, the next five digits identify the card issuer (e.g., 14709 is Capital One). The next ten or so digits identify the individual account of a user. In a sixteen-digit credit card number, these ten digits may be randomly generated while the first six digits may be assigned based on the affiliated card network and the card issuer. In other embodiments, the virtual number may be completely random.

The virtual number is tied to the user's credit card. A new expiration date and card verification value (CVV) is also generated with the virtual number. The expiration date may any date in the future. For example, the expiration date may be set to be three years ahead of the current date. The CVV may be randomly generated.

In block110, the risk system508(e.g., a virtual number generating system420) may transmit, to the computing device (e.g., the third party server504), second instructions (or a second message with second instructions) for the first user to provide second identifying information. The second identifying information may be any information that identifies the user. For example, the second identifying information may be one or a combination of the following information: a social security number, a date of birth, a selfie photograph, home address, email address, phone number, account number, mother's maiden name, etc.

In block112, the risk system508(e.g., a virtual number generating system420) may determine that the second identifying information matches stored second identifying information in response to receiving the second identifying information of the first user either directly for via the computing device (e.g., the third party server504). In some embodiments, the match may not be an exact match (e.g., the match may be within a predetermined matching threshold). If the second identifying information is the selfie photograph, then the risk system508(e.g., a virtual number generating system420) may use a convolutional neural network (CNN) to match the selfie photograph to a stored selfie photograph within the risk system508. In some embodiments, a third party server (separate from third party server504) may be used to match the photograph using machine learning algorithms of a neural network.

In block114, the risk system508(e.g., a virtual number generating system420) may generate and transmit the virtual number to the computing device (e.g., third party server504). The virtual number may correspond with or linked to a user or customer's credit card account or debit card account so that the user may make online payment or in person payments. The virtual number may be a temporary number such as a one-time use number that can only be used for a single transaction. The virtual number may be pseudo-random. That is the number may be generated so that some digits that corresponds correspond with a particular card network (E.g., Visa, Mastercard) or with the issuer of a card. For example, the first digit in a credit card number denotes the card network (e.g., 4 is Visa, 5 is Mastercard). After that, the next five digits identify the card issuer (e.g., 14709 is Capital One). The next ten or so digits identify the individual account of a user. In a sixteen-digit credit card number, these ten digits may be randomly generated (excluding credit card numbers being actively used by customers) while the first six digits may be assigned based on the affiliated card network and the card issuer. In other embodiments, the virtual number may be completely random.

In some embodiments, the risk system508(e.g., a virtual number generating system420) may never receive second identifying information (e.g., block110). In that case, the method terminates, and no virtual number is generated. Similarly, the risk system508(e.g., a virtual number generating system420) may receive second identifying information that does not match the stored second identifying information (e.g., block112). In that case, the method terminates, and no virtual number is generated.

FIG.2is a flow diagram illustrating an exemplary method200for determining when to generate a virtual account number, in accordance with certain embodiments of the disclosed technology. The steps of method200may be performed by one or more components of a risk system508(e.g., virtual number generating system420or a web server510), as described in more detail with respect toFIGS.4and5.

Method200ofFIG.2is similar to method100ofFIG.1, except that method200does not include blocks similar to blocks110,112, and114. The descriptions of blocks202,204,206, and208in method200are the same as or similar to the respective descriptions of blocks102,104,106, and108of method100and are not repeated herein for brevity.

FIG.3is a flow diagram illustrating an exemplary method300for determining when to generate a virtual account number, in accordance with certain embodiments of the disclosed technology. The steps of method300may be performed by one or more components of a risk system508(e.g., virtual number generating system420or a web server510), as described in more detail with respect toFIGS.4and5.

Method300ofFIG.3is similar to method100ofFIG.1, except that method300does not include blocks similar to block108. The descriptions of blocks302,304,306,308,310, and312in method300are the same as or similar to the respective descriptions of blocks102,104,106,110,112, and114of method100and are not repeated herein for brevity.

FIG.4is a block diagram of the example virtual number generating system420, as also depicted inFIG.5. According to some embodiments, the user device502, the web server510, and the third party server504, as depicted inFIG.5and described below, may have a similar structure and components that are similar to those described with respect to virtual number generating system420shown inFIG.4. As shown, the virtual number generating system420may include a processor410, an input/output (“I/O”) device420, a memory430containing an operating system (“OS”)440and a program450. In certain example implementations, the character categorizing system420may be a single server or may be configured as a distributed computer system including multiple servers or computers that interoperate to perform one or more of the processes and functionalities associated with the disclosed embodiments. In some embodiments, the virtual number generating system420may further include a peripheral interface, a transceiver, a mobile network interface in communication with the processor410, a bus configured to facilitate communication between the various components of the virtual number generating system420, and a power source configured to power one or more components of the virtual number generating system420.

In some embodiments, a transceiver may be configured to communicate with compatible devices and ID tags when they are within a predetermined range. A transceiver may be compatible with one or more of: radio-frequency identification (RFID), near-field communication (NFC), Bluetooth™, low-energy Bluetooth™ (BLE), WiFi™, ZigBee™, ambient backscatter communications (ABC) protocols or similar technologies.

A mobile network interface may provide access to a cellular network, the Internet, or another wide-area or local area network. In some embodiments, a mobile network interface may include hardware, firmware, and/or software that allow(s) the processor(s)410to communicate with other devices via wired or wireless networks, whether local or wide area, private or public, as known in the art. A power source may be configured to provide an appropriate alternating current (AC) or direct current (DC) to power components.

The processor410may include one or more of a microprocessor, microcontroller, digital signal processor, co-processor or the like or combinations thereof capable of executing stored instructions and operating upon stored data. The memory430may include, in some implementations, one or more suitable types of memory (e.g. such as volatile or non-volatile memory, random access memory (RAM), read only memory (ROM), programmable read-only memory (PROM), erasable programmable read-only memory (EPROM), electrically erasable programmable read-only memory (EEPROM), magnetic disks, optical disks, floppy disks, hard disks, removable cartridges, flash memory, a redundant array of independent disks (RAID), and the like), for storing files including an operating system, application programs (including, for example, a web browser application, a widget or gadget engine, and or other applications, as necessary), executable instructions and data. In one embodiment, the processing techniques described herein may be implemented as a combination of executable instructions and data stored within the memory430.

The processor410may be one or more known processing devices, such as, but not limited to, a microprocessor from the Pentium™ family manufactured by Intel™ or the Turion™ family manufactured by AMD™. The processor310may constitute a single core or multiple core processor that executes parallel processes simultaneously. For example, the processor410may be a single core processor that is configured with virtual processing technologies. In certain embodiments, the processor310may use logical processors to simultaneously execute and control multiple processes. The processor410may implement virtual machine technologies, or other similar known technologies to provide the ability to execute, control, run, manipulate, store, etc. multiple software processes, applications, programs, etc. One of ordinary skill in the art would understand that other types of processor arrangements could be implemented that provide for the capabilities disclosed herein.

In accordance with certain example implementations of the disclosed technology, the virtual number generating system420may include one or more storage devices configured to store information used by the processor410(or other components) to perform certain functions related to the disclosed embodiments. In one example, the virtual number generating system420may include the memory430that includes instructions to enable the processor410to execute one or more applications, such as server applications, network communication processes, and any other type of application or software known to be available on computer systems. Alternatively, the instructions, application programs, etc. may be stored in an external storage or available from a memory over a network. The one or more storage devices may be a volatile or non-volatile, magnetic, semiconductor, tape, optical, removable, non-removable, or other type of storage device or tangible computer-readable medium.

In one embodiment, the virtual number generating system420may include a memory430that includes instructions that, when executed by the processor410, perform one or more processes consistent with the functionalities disclosed herein. Methods, systems, and articles of manufacture consistent with disclosed embodiments are not limited to separate programs or computers configured to perform dedicated tasks. For example, the virtual number generating system420may include the memory430that may include one or more programs450to perform one or more functions of the disclosed embodiments. For example, in some embodiments, the virtual number generating system420may additionally manage dialogue and/or other interactions with the customer via a program450.

The processor410may execute one or more programs450located remotely from the system500(such as the system shown inFIG.5). For example, the system500may access one or more remote programs450, that, when executed, perform functions related to disclosed embodiments.

The memory430may include one or more memory devices that store data and instructions used to perform one or more features of the disclosed embodiments. The memory430may also include any combination of one or more databases controlled by memory controller devices (e.g., server(s), etc.) or software, such as document management systems, Microsoft™ SQL databases, SharePoint™ databases, Oracle™ databases, Sybase™ databases, or other relational or non-relational databases. The memory430may include software components that, when executed by the processor410, perform one or more processes consistent with the disclosed embodiments. In some embodiments, the memory430may include a virtual number generator database460for storing related data to enable the virtual number generating system420to perform one or more of the processes and functionalities associated with the disclosed embodiments.

The virtual number generator460may include stored data relating to weighting sub-score, phone numbers, emails, and user device locations associated with a plurality of users. According to some embodiments, the functions provided by the categorizing database460may also be provided by a database that is external to the character categorizing system420, such as the database516as shown inFIG.5.

The virtual number generating system420may also be communicatively connected to one or more memory devices (e.g., databases) locally or through a network. The remote memory devices may be configured to store information and may be accessed and/or managed by the virtual number generating system420. By way of example, the remote memory devices may be document management systems, Microsoft™ SQL database, SharePoint™ databases, Oracle™ databases, Sybase™ databases, or other relational or non-relational databases. Systems and methods consistent with disclosed embodiments, however, are not limited to separate databases or even to the use of a database.

The virtual number generating system420may also include one or more I/O devices470that may comprise one or more interfaces for receiving signals or input from devices and providing signals or output to one or more devices that allow data to be received and/or transmitted by the virtual number generating system420. For example, the virtual number generating system420may include interface components, which may provide interfaces to one or more input devices, such as one or more keyboards, mouse devices, touch screens, track pads, trackballs, scroll wheels, digital cameras, microphones, sensors, and the like, that enable the virtual number generating system420to receive data from a use (such as, for example, via the user device502).

While the virtual number generating system420has been described as one form for implementing the techniques described herein, other, functionally equivalent, techniques may be employed. For example, some or all of the functionality implemented via executable instructions may also be implemented using firmware and/or hardware devices such as application specific integrated circuits (ASICs), programmable logic arrays, state machines, etc. Furthermore, other implementations of the virtual number generating system420may include a greater or lesser number of components than those illustrated.

FIG.5is a block diagram of an example system500that may be used to increase categorize characters in text string with increase accuracy, according to an example implementation of the disclosed technology The components and arrangements shown inFIG.5are not intended to limit the disclosed embodiments as the components used to implement the disclosed processes and features may vary. As shown, system500may interact with a user device502via a network506. In certain example implementations, the system500may include a web server510and a local network512, character categorizing system420, and a database516.

In some embodiments, a customer may operate the user device502. The user device502can include one or more of a mobile device, smart phone, general purpose computer, tablet computer, laptop computer, telephone, PSTN landline, smart wearable device, voice command device, other mobile computing device, or any other device capable of communicating with the network506and ultimately communicating with one or more components of the system500. In some embodiments, the user device502may include or incorporate electronic communication devices for hearing or vision impaired users.

Customers may include individuals such as, for example, subscribers, clients, prospective clients, or customers of an entity associated with an organization, such as individuals who have obtained, will obtain, or may obtain a product, service, or consultation from an entity associated with the system500. According to some embodiments, the user device502may include an environmental sensor for obtaining audio or visual data, such as a microphone and/or digital camera, a geographic location sensor for determining the location of the device, an input/output device such as a transceiver for sending and receiving data, a display for displaying digital images, one or more processors including a sentiment depiction processor, and a memory in communication with the one or more processors.

The network506may be of any suitable type, including individual connections via the internet such as cellular or WiFi networks. In some embodiments, the network506may connect terminals, services, and mobile devices using direct connections such as radio-frequency identification (RFID), near-field communication (NFC), Bluetooth™, low-energy Bluetooth™ (BLE), WiFi™, ZigBee™, ambient backscatter communications (ABC) protocols, USB, WAN, or LAN. Because the information transmitted may be personal or confidential, security concerns may dictate one or more of these types of connections be encrypted or otherwise secured. In some embodiments, however, the information being transmitted may be less personal, and therefore the network connections may be selected for convenience over security.

The network506may include any type of computer networking arrangement used to exchange data. For example, the network506may be the Internet, a private data network, virtual private network using a public network, and/or other suitable connection(s) that enable(s) components in the system500environment to send and receive information between the components of the system500. The network506may also include a public switched telephone network (“PSTN”) and/or a wireless network.

In accordance with certain example implementations, a third-party server504may be in communication with the system500via the network506. In certain implementations, the third-party server504can include a computer system associated with an entity (other than the entity associated with the system500and its customers) that performs one or more functions associated with the customers.

The system500may be associated with and optionally controlled by one or more entities such as a business, corporation, individual, partnership, or any other entity that provides one or more of goods, services, and consultations to individuals such as customers. The system500may include one or more servers and computer systems for performing one or more functions associated with products and/or services that the organization provides. Such servers and computer systems may include, for example, the web server510as well as any other computer systems necessary to accomplish tasks associated with the organization or the needs of customers (which may be customers of the entity associated with the organization). The web server510may include a computer system configured to generate and provide one or more websites accessible to customers, as well as any other individuals involved in an organization's normal operations. The web server510, for example, may include a computer system configured to receive communications from the user device502via for example, a mobile application, a chat program, an instant messaging program, a voice-to-text program, an SMS message, email, or any other type or format of written or electronic communication. The web server510may have one or more processors522and one or more web server databases524, which may be any suitable repository of website data. Information stored in the web server510may be accessed (e.g., retrieved, updated, and added to) via the local network512(and/or the network506) by one or more devices (e.g., the virtual number generating system420) of the system500.

The local network512may include any type of computer networking arrangement used to exchange data in a localized area, such as WiFi, Bluetooth™ Ethernet, and other suitable network connections that enable components of the system500to interact with one another and to connect to the network506for interacting with components in the system500environment. In some embodiments, the local network512may include an interface for communicating with or linking to the network506. In other embodiments, certain components of the system500may communicate via the network506, without a separate local network516.

In accordance with certain example implementations of the disclosed technology, the risk system508, which is described more fully below with reference toFIG.5, may include one or more computer systems configured to compile data from a plurality of sources, such as the web server510, the virtual number generating system420, and/or the database516. The the virtual number generating system420may correlate compiled data, analyze the compiled data, arrange the compiled data, generate derived data based on the compiled data, and store the compiled and derived data in a database such as the database516. According to some embodiments, the database516may be a database associated with an organization and/or a related entity that stores a variety of information relating to customers, transactions, and business operations. The database516may also serve as a back-up storage device and may contain data and information that is also stored on, for example, databases524and460, as discussed with reference toFIG.4.

EXEMPLARY USE CASES

Sam decides that she want to purchase a blowup swimming pool on a merchant website. Sam selects the item she wants to purchase and proceeds to the check out webpage that prompts Sam to enter her credit card information. Instead, Sam relies on autofill software that runs natively on her laptop computer (e.g., user device502), via a browser or a browser plugin. The autofill software transmits and receives data with a third party server504that transmits and receives data with a risk system508(including a virtual number generating system420). The third party server504transmits a request to the risk system508for a virtual credit card number. The request includes a phone number, email, and device location associated with Sam. Previously, Sam registered with the autofill software this identifying information. Upon receiving Sam's phone number associated with the request for a virtual number, the risk system508(e.g., the virtual number generating system420) determines a risk score based on, for example, whether the phone number, email, and device location matched stored a stored phone number, a stored email, and a stored device location for Sam. If the risk score is less than a risk threshold, then the risk system508(e.g., the virtual number generating system420) generates and transmits a virtual number to the third party server504, which in turn transmits the virtual number to Sam's laptop (e.g., user device502) for use in purchasing the blowup swimming pool. The virtual number is a pseudo-random credit card number with the first six digits corresponding to the card network and the card issuer and the last 10 digits being generated randomly excluding active current credit card numbers from the issues.

If the risk score is greater than or equal to the risk threshold, then the risk system508(e.g., the virtual number generating system420) transmit, to the third party server504, second instructions for prompting the first user to provide second identifying information such as a social security number (or the last four digits), a date of birth, or a home address. The third party server504may transmit the prompt for the second identifying information to Sam's laptop (e.g., user device502) causing the laptop to display the prompt. Sam enters the requested second identifying information via user input into an internet form provided with the prompt. Sam's laptop (e.g., user device502transmits the second identifying information to the third party server504, which transmits the second identifying information to the risk system508(e.g., the virtual number generating system420). Responsive to receiving the second identifying information, the risk system508(e.g., the virtual number generating system420) determines that the second identifying information matches stored second identifying information which was previously provided by the user because the user has an account with the organization (e.g., credit card company) associated with the risk system508. Responsive to the second identifying information matching stored second identifying information, pseudo-randomly generate and transmit the virtual number to the third party server504, which in turn transmits the virtual number to Sam's laptop (e.g., user device502) for use in purchasing the blowup swimming pool. The virtual number is pseudo-random credit card number with the first six digits corresponding to the card network and the card issuer and the last 10 digits being generated randomly excluding active current credit card numbers from the issues.

The features and other aspects and principles of the disclosed embodiments may be implemented in various environments. Such environments and related applications may be specifically constructed for performing the various processes and operations of the disclosed embodiments or they may include a general-purpose computer or computing platform selectively activated or reconfigured by program code to provide the necessary functionality. Further, the processes disclosed herein may be implemented by a suitable combination of hardware, software, and/or firmware. For example, the disclosed embodiments may implement general purpose machines configured to execute software programs that perform processes consistent with the disclosed embodiments. Alternatively, the disclosed embodiments may implement a specialized apparatus or system configured to execute software programs that perform processes consistent with the disclosed embodiments. Furthermore, although some disclosed embodiments may be implemented by general purpose machines as computer processing instructions, all or a portion of the functionality of the disclosed embodiments may be implemented instead in dedicated electronics hardware.

The disclosed embodiments also relate to tangible and non-transitory computer readable media that include program instructions or program code that, when executed by one or more processors, perform one or more computer-implemented operations. The program instructions or program code may include specially designed and constructed instructions or code, and/or instructions and code well-known and available to those having ordinary skill in the computer software arts. For example, the disclosed embodiments may execute high level and/or low-level software instructions, such as machine code (e.g., such as that produced by a compiler) and/or high-level code that can be executed by a processor using an interpreter.

The technology disclosed herein typically involves a high-level design effort to construct a computational system that can appropriately process unpredictable data. Mathematical algorithms may be used as building blocks for a framework, however certain implementations of the system may autonomously learn their own operation parameters, achieving better results, higher accuracy, fewer errors, fewer crashes, and greater speed.

Certain implementations of the disclosed technology described above with reference to user devices may include mobile computing devices. Those skilled in the art recognize that there are several categories of mobile devices, generally known as portable computing devices that can run on batteries but are not usually classified as laptops. For example, mobile devices can include, but are not limited to portable computers, tablet PCs, internet tablets, PDAs, ultra-mobile PCs (UMPCs), wearable devices, and smart phones. Additionally, implementations of the disclosed technology can be utilized with internet of things (IoT) devices, smart televisions and media devices, appliances, automobiles, toys, and voice command devices, along with peripherals that interface with these devices.

Although embodiments are described herein with respect to systems or methods, it is contemplated that embodiments with identical or substantially similar features may alternatively be implemented as systems, methods and/or non-transitory computer-readable media.