Abstract: A computer-implemented method is disclosed. The method includes: receiving an authentication request to authenticate a first entity to a service; in response to receiving the authentication request: generating a message for requesting the first entity to initiate a transfer of resources from a first data record; and transmitting the message to a first server that requires user authentication for the first entity to access the message; and generating a response to the authentication request based on a completion status of the requested transfer.

Abstract: Computing devices, systems, and methods for automatically prompting a foreign currency transaction by detecting a trip end condition associated with a registered user with respect to travel to a foreign location associated with a foreign currency. The methods and system may further determine that the registered user has a remaining foreign currency balance, and, as a result, may identify and send to the registered user's mobile device at least one option for using the remaining foreign currency balance. The at least one option may be a merchant offer from a merchant located in the area of the mobile device or may include an option to exchange the foreign currency for another currency. The trip end condition may be detected by determining that the registered user and/or user's mobile device is at an international departure location. The currency exchange may be with another registered user.

Abstract: Methods and computer systems for managing access to resources in a computing environment. Detecting a projected overload condition from a projected demand for a resource. Identifying a server associated with a resource demand scheduled to be fulfilled prior to the projected overload condition. Generating a rescheduling request to reschedule the resource demand until after the projected overload condition. Sending the rescheduling request to the identified server. Providing access to the resource at a rescheduled time.

Abstract: A method may include: detecting a predicted resource availability condition associated with a first account by determining that an accumulated resource amount associated with a resource transfer expected to be scheduled to occur at a future time is expected to be available; in response to detecting the predicted resource availability condition, providing a selectable interface feature on a computing device, the selectable interface feature configured for inputting an early access instruction to request immediate release of at least a portion of the accumulated resource amount; receiving the early access instruction; and in response to receiving the early access instruction, sending a request-to-transfer message to a second account, the second account identified as being associated with the resource transfer expected to be scheduled to occur, the request-to-transfer message requesting a transfer of an amount of resources that is less than or equal to the accumulated resource amount.

Abstract: A computer-implemented method is disclosed. The method includes: receiving an initiation request for a data transfer associated with a terminal; determining that a resource external to the first logical storage area should be accessed to complete the data transfer; in response to determining that the resource external to the first logical storage area should be accessed to complete the data transfer, triggering a query message to an electronic device accessible to an entity associated with the first logical storage area, the query message prompting for an instruction to access the resource external to the first logical storage area to complete the transfer; receiving, from the electronic device, an instruction to access the resource external to the first logical storage area to complete the transfer; and in response to receiving the instruction, effecting the transfer using the resource external to the first logical storage area.

Abstract: A processor-implemented method is disclosed.

Abstract: In some aspects, a computing system may include a processor. Also, the computing system may include a communications module coupled to the processor. Furthermore, the computing system may include a memory coupled to the processor, the memory storing instructions that, when executed, configure the computing system to: determine a daily positive modifier amount based on an amount of positive adjustments to an account over an extended time period; determine a daily non-discretionary negative modifier amount based on an amount of non-discretionary negative adjustments to the account over the extended time period; determine a daily discretionary amount based on the daily positive modifier amount and the daily non-discretionary negative modifier amount; detect an expected negative modification event; and in response to detect the expected negative modification event, trigger a notification based on the daily discretionary amount.

Abstract: A computer-implemented method is disclosed. The method includes: receiving an authentication request to authenticate a first entity with a first service; in response to receiving the authentication request: identifying an access-restricted first data record associated with the first entity; generating a message associated with a first transfer of resources between the first data record and a designated second data record, the message identifying one of the first and second data records as a recipient data record for the first transfer and defining a first quantity of resources to transfer; and transmitting the message to a first server associated with the first entity, the first server requiring user authentication to access the message; determining a completion status of the first transfer; and generating a response to the authentication request based on the completion status of the first transfer.

Abstract: According to an aspect there is provided an ambient commerce system. The ambient commerce system may include a sensor at an ambient commerce premises, a communication module, and a processor coupled to the sensor and the communication module. The ambient commerce system further includes a memory coupled to the processor. The memory stores processor-executable instructions which, when executed, cause the processor to: detect, based on an output of one or more of the sensors, an unauthenticated entity at an ambient commerce premises; receive, from a first independent trusted system and via the communication module, an indication that authentication has been performed by the first independent trusted system for the unauthenticated entity using a first authentication parameter; determine that the entity is an authenticated entity based on the indication that the authentication has been performed and at least a second authentication parameter; and perform an ambient commerce operation for the authenticated entity.

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 the communications module and from a client device, a signal including a request to configure a transfer of data to a particular data record; determine that the particular data record is associated with a third party server; obtain a trust score associated with the particular data record; determine that the trust score satisfies trust criteria; and responsive to determining that the trust score satisfies trust criteria, enable one or more transfer features associated with a real-time transfer protocol.

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 obtain information associated with a request to transfer data to a data record; determine, based on an identifier associated with the data record, whether a real-time transfer protocol is available to complete the transfer; and send, via the communications module and to a client device associated with a recipient of the request to transfer the data to the data record, a signal updating one or more interface elements of an interface displayed on the client device based on whether the real-time transfer protocol is available to complete the transfer.

Abstract: The present disclosure involves systems, software, and computer implemented methods for a remittance system that pre-populates remittance data based on historical usage of remittance transactions. One example system includes operations to generate, using a predictive model, data indicating a predicted likelihood of a user selecting at least one data exchange transaction, wherein the data indicates the predicted likelihood of the user performing the at least one data exchange transaction. A request is received to access a remittance page. In response, the at least one data exchange transaction that was previously generated is selected from a repository of predicted likelihoods. Remittance data associated with a UI element is generated that includes the at least one data exchange transaction. The remittance data is transmitted to the device. An indication from the device is received for interacting with the UI element. The data exchange transaction is executed in response to receiving the indication.

Abstract: Methods and computer systems for controlling access to software features in a computing environment. Obtaining a plurality of electronic documents associated with an account, each particular electronic document in the plurality of electronic documents including a respective first data item in a first field and a respective second data item in a second field. Categorizing each respective first data item based on the corresponding respective second data item. Applying a scoring model to the respective first data items included in the plurality of electronic documents according to the categorizations to create a score. Unlocking a software feature associated with the account in response to determining that the score meets a threshold.

Abstract: Computing devices, systems, and methods for automatically prompting a foreign currency transaction by detecting a trip end condition associated with a registered user with respect to travel to a foreign location associated with a foreign currency. The methods and system may further determine that the registered user has a remaining foreign currency balance, and, as a result, may identify and send to the registered user's mobile device at least one option for using the remaining foreign currency balance. The at least one option may be a merchant offer from a merchant located in the area of the mobile device or may include an option to exchange the foreign currency for another currency. The trip end condition may be detected by determining that the registered user and/or user's mobile device is at an international departure location. The currency exchange may be with another registered user.

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 obtain information associated with a request to transfer data to a data record; determine, based on an identifier associated with the data record, whether a real-time transfer protocol is available to complete the transfer; and send, via the communications module and to a client device associated with a recipient of the request to transfer the data to the data record, a signal updating one or more interface elements of an interface displayed on the client device based on whether the real-time transfer protocol is available to complete the transfer.

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 the communications module and from a client device, a signal including a request to configure a transfer of data to a particular data record; determine that the particular data record is associated with a third party server; obtain a trust score associated with the particular data record; determine that the trust score satisfies trust criteria; and responsive to determining that the trust score satisfies trust criteria, enable one or more transfer features associated with a real-time transfer protocol.

Abstract: Computing devices, systems, and methods for automatically prompting a foreign currency transaction by detecting a trip end condition associated with a registered user with respect to travel to a foreign location associated with a foreign currency. The methods and system may further determine that the registered user has a remaining foreign currency balance, and, as a result, may identify and send to the registered user's mobile device at least one option for using the remaining foreign currency balance. The at least one option may be a merchant offer from a merchant located in the area of the mobile device or may include an option to exchange the foreign currency for another currency. The trip end condition may be detected by determining that the registered user and/or user's mobile device is at an international departure location. The currency exchange may be with another registered user.

Abstract: Methods and systems for performing a partial pass-through transfer are described. In an aspect, a method includes: receiving, from a first computing system, pass-through transfer definition data to be associated with a first logical storage area, the pass-through transfer definition data including a trigger condition for a pass-through transfer and an apportionment value for the pass-through transfer; storing a representation of the pass-through transfer definition data in association with the first logical storage area; detecting a first data transfer to the first logical storage area, the first data transfer representing a transfer of a resource; determining that the first data transfer satisfies the trigger condition; and in response to determining that the first data transfer satisfies the trigger condition: identifying a portion of the resource based on the apportionment value; and initiating a second data transfer.

Abstract: Methods and computer systems for including a data acceptance condition in a data transfer proposal. Receiving, from a second computing system, a transfer message for a transfer between a first account associated with a first computing system and a second account associated with the second computing system, the transfer message including routing data, an amount of resources to be transferred, and a condition associated with the transfer. Evaluating the condition associated with the data transfer based on a comparison between data included in the transfer message and one or more parameters associated with the first account. When the condition is determined to be satisfied, completing the transfer.

Abstract: A computer-implemented method is disclosed. The method includes receiving, from a remote system, a transfer message including a transfer quantity and containing metadata regarding the transfer. The system then identifies a main recipient account based on the transfer message and, based on the metadata regarding the transfer, detects a trigger condition. The trigger condition is defined in a handling instruction stored in memory. The handling instruction includes a transfer re-routing action specifying a second recipient account. In response to detecting the trigger condition, the system causes at least a portion of the transfer quantity to be recorded in association with the second recipient account.