Abstract: Disclosed herein are system, method, and computer program product embodiments for providing search results to an agent that are organized and streamlined to allow for quick and efficient navigation by the agent. The database responds to a search query with a plurality of search results. Certain configurations allow these data entries to include tags included within their metadata that identify a type associated with those entries. The entries are then categorized based on their respective types. Once categorized, the categories are then analyzed for relevance to determine which of the categories should be displayed. Once this has been determined, then each of the different panes are sized and positioned based on their respective relevancy. Further, entries within the different panes can be emphasized based on their relevance to provide the agent with a short list of highest relevance entries for review.

Abstract: Disclosed herein are system, method, and computer program product embodiments for providing application resiliency using a machine learning model trained to detect potential failures based on computational transaction metrics. A resiliency system may monitor metrics related to an application executing on an enterprise data system. The resiliency system may apply these metrics to a machine learning model trained to identify a potential application failure based on application usage trends. In response to detecting a potential failure of the application, the resiliency system may instruct the application to execute one or more resiliency actions. These may include one or more circuit breaker, rate limiter, time limiter, and/or bulkhead actions. The resiliency actions may aid the application in avoiding failure states. The resiliency actions may also be modified based on feedback metrics to aid the application in quickly restoring service once the failure state has been avoided.

Abstract: A BLUETOOTH low energy mobile payments system may comprise a BLE beacon that is deployed at a merchant location. The BLE beacon may be associated with a specific merchant terminal. The BLE beacon may be configured to broadcast a unique beacon ID that is detectable by a user device. The user device may be configured to communicate the beacon ID to a payment system. In response to receiving the beacon ID, the user device may initiate a payment between a user and a merchant, via a user device and a merchant terminal.

Abstract: A system and method for generating personalized content for a user device. In one example, a system can cause a computing device to display a first plurality of search results on a user interface of a user device based at least in part on a first request. Clickstream data can be identifier from the user interface displayed on the user device. The clickstream data comprises a user-specified sort of the first plurality of search results on the user interface. A sorting habit for the user can be determined based at least in part on the user-specified sort of the first plurality of search results on the user interface. The computing device can display on the user interface a second plurality of search results. The second plurality of search results are sorted for display based at least in part on the sorting habit for the user.

Abstract: Disclosed are various approaches for providing personalized recommendations in a privacy preserving manner. A request from a provider application is received, the request comprising an anonymized user identifier and a navigation identifier that identifies a location of a user associated with the anonymized user identifier within a user interface of the provider application. A user associated with the anonymized user identifier is identified. Then, an activity history of the user is analyzed in order to select a layout order, wherein the layout order is selected based at least in part on the navigation identifier and the activity history of the user. The layout order is then provided to the provider application.

Abstract: Disclosed are various embodiments for using a voice-enabled application for prospect digital acquisition. In some embodiments, a system comprises a computing device and machine-readable instructions. The instructions, when executed, cause the computing device to identify a command from a first utterance provided by a voice-enabled service. The command includes an instruction to provide content associated with opening a transaction account at a transaction account service. An audio prompt can be selected based at least in part on the command. The audio prompt is transmitted to the voice-enabled service. A second utterance is received from the voice-enabled service. The computing device transmits a content request for opening the transaction account to a computing environment associated with the transaction account service. Content for opening the transaction account is received from the computing environment. Audio content is transmitted to the voice-enabled service for playback.

Abstract: Disclosed are various embodiments for issuing virtual cards to client devices. Also disclosed are embodiments for provisioning a transaction terminal to process transactions with virtual cards. A zero-knowledge proof algorithm can be utilized to validate the transactions. A virtual card can be based upon a public key of a client device that is managed by a hardware security module.

Abstract: Disclosed are various embodiments for self-healing data clusters. One or more candidates are determined from the candidate pool to be evaluated with the new record. A unique pair combination is generated for each one of the candidates of the candidate pool and the new record. Next, candidate data for the one or more candidates is identified from the existing record based at least in part on one or more matching rules. A weight is assigned to one or more matching rules. Then, the candidate data of the one or more candidates and the new record is evaluated for a data linkage. A distance is calculated between each of the unique pair combinations. Finally, the candidates of the existing record and the new record are clustered into groups.

Abstract: Disclosed are various embodiments for processing multiple documents in an image. First, text from each of one or more documents in an image can be identified. An orientation of each of the one or more documents can be determined based at least in part on an alignment of the text of each of the one or more documents. Additionally, using an object detection model, the one or more documents in the image can be identified based at least in part on the orientation of each of the one or more documents. Finally, the one or more documents can be separated from the image into one or more separate image files, each separate image file representing a respective document of the one or more documents.

Abstract: Disclosed are various embodiments for automatically updating an authorized variance for a virtual token account. In one example, among others, a computing device is configured to receive an authorization request associated with a virtual token from a merchant system. The transaction request amount is determined to be less than the virtual token balance combined with an authorized variance of the virtual token. The authorization request is authorized based at least in part on the determination that the-transaction request amount is less than the virtual token balance combined with the authorized variance. An authorized variance transaction history is generated based on previous approved transactions and previous declined transactions. The authorized variance for the virtual token is determined to be updated based at least in part on the authorized variance transaction history. The authorized variance of the virtual token is automatically updated.

Abstract: Disclosed herein are system, method, and computer program product embodiments for extracting and tracking metadata from a data store. For example, the method includes extracting a plurality of identifiers of data from a data source. An identifier uniquely identifies a record in the data source. The method further includes scanning the data to extract a plurality of data samples, extracting metadata from each data sample of the plurality of data samples, hashing the metadata of each respective data sample to generate a respective hash value associated with each respective data sample of the plurality of data samples, comparing the hash values to identify one or more unique hash values, identifying one or more unique schemas corresponding to the unique hash value, and storing the one or more unique schemas in a data store. The metadata comprises schema indicative of one or more attributes of each respective data sample.

Abstract: Disclosed herein are system, method, and computer program product embodiments for controlling message routing for transaction processing platforms. The routing of transaction messages mitigates service disruptions to client systems facilitating transactions with consumers. A connection management and transaction routing platform (CMTRP) system applies routing configurations, such as passthrough, throttling, and/or maintenance toggle configurations, to facilitate the routing of transaction messages. This routing may route message to different transaction processing platforms and/or different instances of transaction processing platforms. The CMTRP system also routes transaction messages when transaction processing functionality is being migrated from a first transaction processing platform to a second transaction processing platform and/or when a platform is undergoing maintenance.

Abstract: Disclosed are various embodiments for using a distributed ledger to track the evolution or deployment of feature sets for machine-learning. An approval request to approve creation of a feature set record in a distributed ledger can be received. The approval request can include a feature set hash representing a feature set, a code hash representing a feature set generator, and a data hash representing a data set. An approval decision can be generated for the feature set record based at least in part on the approval request and at least one approval rule stored in an approval data store. The approval decision can be transmitted to a distributed agent. The approval decision can approve or reject creation of the feature set record in the distributed ledger.

Abstract: A funds-transfer system enables a buyer to transfer funds to a seller via a mobile telephone. The system receives a payment request transmitted from a mobile telephone of the buyer. The payment request is for a transfer of funds from a financial account held by the buyer to a financial account held by the seller, and the payment request is transmitted from a payment application stored in the buyer's mobile telephone. The payment request identifies a purchase amount to be transferred, and information identifying the financial account held by the buyer. The system charges the purchase amount to the financial account held by the buyer and transfers the purchase amount to a financial account held by the seller.

Abstract: Disclosed herein are system, method, and computer program product embodiments for controlling message routing for transaction processing platforms. The routing of transaction messages mitigates service disruptions to client systems facilitating transactions with consumers. A connection management and transaction routing platform (CMTRP) system applies routing configurations, such as passthrough, throttling, and/or maintenance toggle configurations, to facilitate the routing of transaction messages. This routing may route message to different transaction processing platforms and/or different instances of transaction processing platforms. The CMTRP system also routes transaction messages when transaction processing functionality is being migrated from a first transaction processing platform to a second transaction processing platform and/or when a platform is undergoing maintenance.

Abstract: Disclosed are various approaches for managing the status of machine-learning models using distributed ledgers. A registration request for a machine-learning model can be received. The registration request can include a model name for the machine-learning model, a version identifier for the machine-learning model, a network address from which the machine-learning model can be retrieved, a source code hash for a source code version of the machine learning model, and a runtime hash for a binary executable version of the machine-learning model. A registration identifier can then be created based at least in part on the source code hash and the runtime hash. Subsequently, an entry in the distributed ledger can be created for the machine-learning model. The entry can include the registration identifier, the model name, the model version, the network address, the source code hash, and the runtime hash.

Abstract: The system comprises approving a credit application during a single http session, transmitting an encoded secure token to a web-client participating in the http session, receiving from the mobile communications device the secure token, and transmitting the transaction account data to the mobile communications device, in response to the receiving the secure token. The system may further comprise the mobile communications device decoding the secure token.

Abstract: Systems and methods are described related to using flexible circuitry in a payment device. In one embodiment, a payment device comprises a computing device and a memory. The computing device is configured to store a biometric identifier associated with a transaction account. The computing device is configured to at least receive, by the antenna, an interrogation signal from a point of sale (POS) device in order to activate the payment device for a payment transaction. The computing device is configured to determine a scanned fingerprint identifier of a user based at least in part on the interrogation signal activating the payment device and authenticate the scanned fingerprint identifier by matching the scanned fingerprint identifier to the biometric identifier. The transaction account is transmitted to the POS device for processing the payment transaction based at least in part on the authentication of the scanned fingerprint identifier.

Abstract: Disclosed are various embodiments for augmented intelligent machine for systematic attribution of data security. A set of global regulations is received by the system. Next, at least one decision rule for mapping one or more data elements is output based at least in part on the set of dynamic global regulations. A data input is received from at least one data source. Next, the data input is parsed to determine at least one sensitive data elements. Then, a confidentiality level of at least one sensitive data element is determined. The ingesting table is joined with a drive mapping data set. Finally, at least one security policy is applied to a type of data input based at least in part on the drive mapping data set or the confidentiality level.

Abstract: Systems and methods for automated transactional offers are disclosed. In one embodiment, a system can be configured to register a uniform resource locator (URL) of a merchant system as a verified merchant URL. An extension communication can be received from a browser extension executed on a client device. A captured merchant URL and a user account of a user can be determined based on the extension communication. A merchant ID is associated with the captured merchant URL is determined based on a comparison of the captured merchant URL and a plurality of verified merchant URLs. An available offer is retrieved based on the merchant ID. The available offer is displayed on the client device. An offer enrollment request from the browser extension of the client device is received. A user offer enrollment is transmitted to an issuer system.