Abstract: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal representing a request to perform an operation from a user; determine that the user does not have a persistent account; and when it is determined that the user does not have a persistent account: obtain, via the communications module and from a digital identity network, a signal including verified identity data of the user; generate a temporary data record and associate the temporary data record with the verified identity data of the user; receive a value transfer based on the requested operation and store the received value in the temporary data record; and perform the operation using the stored value in the temporary data record.

Abstract: The disclosed embodiments include computer-implemented systems, apparatuses, and processes that, among other things, automatically generate and populate digital interfaces based on adaptively processed image data captured by a network-connected device operating within a computing environment. For example, an apparatus may receive, from a device, a first signal that includes image data identifying a document associated with a data exchange capable of initiation by the device. The apparatus may detect, within a first portion of the image data, a presence of first textual content associated with a first parameter of the data exchange, extract a first value characterizing the first parameter from the first textual content, and generate and transmit a second signal that includes the first value to the device. The second signal includes information that instructs the device to display the first value within a portion of an interface corresponding to the first parameter.

Abstract: A server comprises a communications module, a processor coupled to the communications module, and a memory coupled to the processor. The memory stores processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a remote computing device, video data of a vehicle in an original state, store, in the memory, at least some of the video data of the vehicle and associate the stored video data with an account, receive, via the communications module and from the remote computing device, an indication of a claim, the indication associated with an account identifier, retrieve, using the account identifier and from the memory, the video data of the vehicle in the original state from the memory, and send, via the communications module and to the remote computing device, instructions for obtaining video data of the vehicle based on the video data of the vehicle in the original state.

Abstract: A system for testing applications is disclosed. The system includes one or more processors, one or more communications modules coupled to the one or more processors to enable communications between services provided by the system, and at least one memory coupled to the one or more processors. The at least one memory stores computer executable instructions to enable a plurality of virtualized test services, each virtualized test service at least in part emulating dependent server responses to application operations. The instructions enable a load-balancing service for communication with the plurality of virtualized test services, and test an application based on a load, by directing the application to interact with the plurality of virtualized test services that are available, while avoiding communicating with the dependent servers during testing. The load-balancing service balances the testing of the application between the plurality of virtualized test services that are available.

Abstract: A computer-implemented method is disclosed.

Abstract: A system and method are provided for testing application. The method is executed by a device having a communications module and includes initiating via the communications module, an application testing tool, to test an application build according to at least one metric and obtain a test result. The method also includes accessing via the communications module, session details generated by the application testing tool while testing the application build, to determine an overhead component introduced by the application testing tool in generating the test result. The method also includes adjusting the test result based on the overhead component to increase an accuracy of the test result.

Abstract: In an aspect, the present application may describe a method. The method may include: receiving, from a remote computing device, a first indication of consent for an authenticated entity to share data with a first third party server, the first indication of consent associated with a first sharing permission defining a first sharing scope; in response to receiving the first indication of consent: configuring a server to share data for the authenticated entity with the first third party server based on the sharing permission; identifying a first safety score, the first safety score associated with the first third party server; and updating a risk score for the authenticated entity based on the first safety score and the first sharing permission; and sending the updated risk score for the authenticated entity to the remote computing device for display thereon.

Abstract: An image retrieval system receives an image for which to identify relevant images from an image repository. Relevant images may be of the same environment or object and features and other characteristics. Images in the repository are represented in an image retrieval graph by a set of image nodes connected by edges to other related image nodes with edge weights representing the similarity of the nodes to each other. Based on the received image, the image traversal system identifies an image in the image retrieval graph and alternatively explores and traverses (also termed “exploits”) the image nodes with the edge weights. In the exploration step, image nodes in an exploration set are evaluated to identify connected nodes that are added to a traversal set of image nodes. In the traversal step, the relevant nodes in the traversal set are added to the exploration set and a query result set.

Abstract: A computer-implemented method is disclosed. The method includes: providing, for display on a client device, a graphical user interface for configuring resource transfers with theme data for a theme, wherein providing the graphical user interface includes: receiving, via the client device, a selection of a theme associated with a first type; determining multimedia content items to present via the graphical user interface based on the selected theme and a mapping of message themes to available multimedia content items; and graphically presenting, via the graphical user interface, one or more user interface elements corresponding to the multimedia content items in a message composition view for a message, and causing a message composed via the message composition view and a concurrent transfer of resources comprising stored value associated with the message to be sent.

Abstract: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal representing a request to add an authorized user to an account of an entity hosted by a first institution associated with the server; send, via the communications module and to a second server associated with a second institution hosting an account of the authorized user, a signal that includes a unique key and an identifier of the entity, the signal causing the second server to store the unique key and the identifier in memory and associating the unique key and the identifier with the account of the authorized user; receive a signal representing a request to perform an operation for the entity; in response to receiving the request to perform the operation, send, via the communications module

Abstract: An example operation may include one or more of assigning different criteria to a plurality of nodes of a decision tree model, respectively, iteratively executing the decision tree model on a plurality of training data which causes the plurality of training data to be assigned to the plurality of nodes of the decision tree model based on the different criteria assigned to the plurality of nodes, identifying nodes among the plurality of nodes within the decision tree model which have a purity above a predetermined purity threshold, generating a set of rules based on the identified nodes which have the purity above the predetermined purity threshold, and embedding the set of rules within the decision tree model and storing the decision tree model within a storage device.

Abstract: An example operation may include one or more of receiving a loan application of a user, extracting a plurality of personal attributes about the user from the loan application, querying a machine learning model via an application programming interface (API) based on the plurality of attributes about the user to identify one or more rules for auto-adjudicating the loan application, determining whether or not to approve the loan application based on the one or more rules identified via the machine learning model, and transmitting notice of the determination to a device associated with the user.

Abstract: A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to obtain, via the communications module, data; analyze the data to identify a stored-value card and an amount for the stored-value card; update a data record associated with the stored-value card based on the amount for the stored-value card; transfer resources to a network restricted data record based on the amount for the stored-value card; determine a trigger condition; and responsive to determining the trigger condition, initiate a transfer of resources from the network restricted data record to a network unrestricted data record.

Abstract: A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to provide, via the communications module and to a computing device, a graphical user interface that includes interface elements that represent a series of activation steps and identifies one of the activation steps as a current activation step, the representation of the current activation step selectable to communicate with a dedicated server computer system performing the current activation step to display information related to the current activation step; determine that the current activation step has been completed; and update the graphical user interface to disable the representation of the current activation step as selectable; identify another one of the activation steps as a next current activation step; and enable the representation of the next

Abstract: A server computer system, comprises a processor; a communications module coupled to the processor; and a memory coupled to the processor, the memory storing instructions that, when executed, configure the processor to receive, via a user interface displayed on a client device, a signal including a request to transfer data; identify, based on the request to transfer data, a particular data record for receiving the data; determine, based on the particular data record, that a real-time transfer protocol is available to complete the transfer; and in response to determining that the real-time transfer protocol is available to complete the transfer, send, to the client device, a signal enabling a selectable option on the user interface to complete the transfer using the real-time transfer protocol.

Abstract: A computer-implemented method may include: receiving, from a first electronic device during an unauthenticated session, a request for provisioning data, the request associated with identification data insufficient to begin an authenticated session; determining, based on the identification data, whether the request for the provisioning data is associated with an existing account; when the request for the provisioning data is determined to be associated with an existing account, obtaining the provisioning data based on a modifier not available if the request for the provisioning data is not determined to be associated with an existing account; and sending the provisioning data to the first electronic device.

Abstract: A system, non-transitory computer readable medium and method for detecting anomalous activity based on a data distribution is disclosed. The system includes a processor, and a memory coupled to the processor. The memory stores computer executable instructions that, when executed by the processor, cause the processor to obtain a plurality of datapoints defining a data distribution. The processor classifies the plurality of datapoints as isolated or non-isolated datapoints, and clusters at least some of the non-isolated datapoints into at least one mode segment. A reference mode from the at least one mode segment is identified, and at least one outlier being either an isolated or non-isolated datapoint separated from the reference mode by a predetermined number of isolated datapoints representing a flat portion is identified. An action is initiated based on the identified at least one outlier.

Abstract: A computer-implemented method is disclosed. The method includes: receiving a plurality of requests to initiate customer service sessions; establishing a primary web socket connection between a first web server and a service agent terminal; and for each of the plurality of requests, establishing a communication sub-channel associated with the primary web socket connection, each communication sub-channel corresponding to a respective customer service session.

Abstract: A system and method are provided for providing personalized notifications in mobile applications. The method includes receiving from an enterprise system, transactional activity data associated with a user of a client device; and receiving from at least one loyalty system, loyalty data associated with loyalty offers eligible to the user of the client device. The method also includes analyzing the activity data and the loyalty data to correlate at least one spending indicator from the activity data with at least one of the eligible loyalty offers and generating a personalized notification based on a correlation determined from the analyzing. The method also includes integrating the personalized notification into a graphical user interface of a mobile application provided by the enterprise system, receiving an indication of the selected loyalty offer, and sending to the corresponding loyalty system, an instruction to execute the selected eligible loyalty offer.

Abstract: A computer server system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from one or more devices, a signal including biometric data of a user; analyze the biometric data to predict an emotional state of the user; determine that the predicted emotional state of the user satisfies predefined criteria; and responsive to determining that the predicted emotional state of the user satisfies the predefined criteria, send via the communications module to the one or more devices a signal including one or more incentives based on the predicted emotional state.