Abstract: Disclosed herein are system, method, and computer program product embodiments for mapping API dependencies for a journey test. An embodiment operates by receiving, at a graphical user interface (GUI), a test script representing the user journey within an application, wherein the test script specifies a sequence of application programming interfaces (APIs) that have been called as a user journeys through the application. The embodiment generates an API dependency map within the GUI comprising a sequential map of visual objects, illustrating (1) each of the APIs specified in the test script and (2) any dependent API called by each of the APIs. The embodiment executes the test script representing the user journey. The embodiment generates a status corresponding to each of the APIs called when executing the test script. The embodiment causes display of the generated status of an API or dependent API within the GUI selected by the user.

Abstract: Systems and methods for peer-to-peer secure document exchange are disclosed. The system may allow a document provider to securely transmit a certified document to a document verifier using decentralized storage. The verifier system may generate a session key pair and transmit the session public key to a trusted API provider. The trusted API provider may generate a session nonce. The verifier system may transmit the session nonce to the provider system. The provider system may use the session nonce to retrieve the session public key. The provider system may encrypt a certified document using the session public key and store the encrypted certified document in the decentralized storage. The verifier system may retrieve the encrypted certified document by polling the trusted API provider based on the session nonce. The verifier system may decrypt the encrypted certified document using the session private key.

Abstract: Disclosed are various embodiments for using distributed ledgers to assist in securely developing applications. An application component comprising a component file can be received from a validation client. It can then be determined that the application component complies with a security policy. In response to a determination that the application component complies with the security policy, an endorsed application component record can be generated that comprises the component file or a network address at which the component file is obtainable and a signature for the component file generated with an asymmetric key-pair stored in the memory. The endorsed application component record can then be stored in the distributed ledger.

Abstract: At least some embodiments are directed to a system that receives a profile values associated from new user profiles of a computer network or system. A machine learning system determines a set of existing profiles that share at least one common profile value with the new user profile. A second machine learning model determines a set of existing user entitlements associated with the set of existing profiles. The new user profile is processed by a natural language processing engine to determine a set of new user entitlements from the set of existing user entitlements. The system provides the new user with access to electronic resources of the computer network. The system tracks the new user computer network or system activities and updates the new user profile based on the set of new user entitlements and the new user activity on the computer network or system.

Abstract: At least some embodiments are directed to a prediction system of software objects. The prediction system predicts a first aspect of a user profile utilizing a categorization machine learning model and a user activity profile, the user profile and the user activity profile are associated with a user. The user activity profile comprises a plurality of values associated with demographics and historical activity data of the user. The prediction system predicts a software object associated with the user profile utilizing an optimization machine learning model, the first aspect of the user profile, and a second aspect of the user profile. The software object is optimized with respect to at least one competitive interest between the user associated with the user profile and an entity associated with the software object. The prediction system outputs the software object to a client computing device of the user.

Abstract: An electronic record related to a first transaction of a user can be received at a point-of-sale device. A user interface with real-time transaction data can be generated and displayed on the user device. An eligibility of the first transaction for a reward program can be determined. A portion of the reward program based on said determined eligibility can be selected and the electronic record of the first transaction can be updated by modifying the real-time transaction data currently displayed within the UI.

Abstract: Systems and methods of the present disclosure may read source data corresponding to a source variable and apply a transformation to the source variable to generate an output variable. Accordingly, one such method comprises receiving a request to generate an output variable by applying one or more data transformations to a source variable; before applying an actual data transformation to the source variable, checking a database of prior data transformations that have been applied to source variables to generate existing output variables for a match with the requested one or more data transformations to the source variable; determining that a match exists in the database, wherein the match is associated with an existing output variable; and/or responding to the request by providing the existing output variable associated with the match that exists in the database of prior data transformations.

Abstract: At least some embodiments are directed to an entity matching detection system. The entity matching detection system includes a latent similarity identification machine learning model that receives one or more data records and generates a final similarity score indicative of a latent similarity between the one or more data records and a second data record. The entity matching detection system can identify lexical and semantic similarities between attribute values and can analyze and compute similarity scores for direct-linked attribute values and cross-linked attribute values extracted from different data records.

Abstract: At least some embodiments are directed to an entity classification system receives informational data associated with an entity. The informational data includes sentences associated with the entity. The entity classification system utilizes a first machine learning model to determine a first contextual meaning among words of a sentence associated with the entity based on a first word embedding technique, and determines at least one category associated with the entity based at least in part on the first contextual meaning. The entity classification system utilizes a second machine learning model to determine a second contextual meaning shared by a set of sentences based on a second embedding technique, and determines a subcategory of the category associated with the entity based at least in part on the second contextual meaning. The entity classification system generates an output including the category and subcategory associated with the entity.

Abstract: A payment network is operated with a blockchain-based ledger. In one embodiment, a request is prepared to complete a transaction from an account associated with a payer digital wallet for entry on a blockchain. The request includes an amount and a payee identifier associated with a payee digital wallet. The request is sent to the blockchain and approved. A balance of the payer digital wallet and a balance of the payee digital wallet are adjusted in response to approval of the request to complete the transaction by at least writing a portion of data associated with the transaction comprising the amount and the payee identifier to the blockchain. A reputation ledger associated with the account is recorded in the blockchain in association with the transaction. The reputation ledger includes at least one reputation score associated with at least one previous transaction conducted by the account.

Abstract: A system for automated information support processing is disclosed. The system may receive a natural language information support request from a plain text input channel. The system may determine a first user intent based on the information support request. The system may compare the first user intent with a set of support rules. The system may determine a dispositioned outcome based on the set of support rules and the user intent. The system may return the dispositioned outcome.

Abstract: A consumer may initiate a transaction using a transaction account. The transaction account issuer may transmit a notification to the consumer that the transaction has been authorized. The consumer may select requestees with whom to split the transaction. The transaction account issuer may transmit instructions via APIs to peer-to-peer payment systems to request payment from the requestees. The peer-to-peer payment systems may transfer the payment to the transaction account issuer, and the transaction account issuer may apply to payment to the consumer's transaction account.

Abstract: At least some embodiments are directed to a system to compute uniform structured summarization of customer chats. In at least some embodiments, the system may operate a processor and receive a corpus of chats between customers and customer service representatives of an enterprise. Grouping the corpus of chats into subgroup task types and then extracting chat keywords and chat related words for each subgroup task type. Generating an expandable template data structures for each subgroup task type. Processing at least one chat to extract chat utterances and chat snippets ranking the chat utterances and chat snippets. Populating the expandable template data structure based on rankings to generate a chat summary data structure.

Abstract: Systems and methods are described related to using flexible circuitry in a payment accessory. In one embodiment, a payment device comprises a computing device and a memory. The computing device is configured to store a first biometric identifier for a first user and a second biometric identifier for a second user. The first biometric identifier is associated with a first transaction account and the second biometric identifier is associated with a second transaction account. A scanned biometric identifier of the first user is received. The first user is authenticated by matching the scanned biometric identifier to the first biometric identifier. The transponder is activated in response to matching the scanned biometric identifier to the first biometric identifier. The first transaction account is transmitted to a point of sale (POS) device for processing the payment transaction based on the first biometric identifier being linked with the first transaction account.

Abstract: Systems and methods for transactions using remote EMV payment applications are disclosed. The system may enable EMV transactions to be completed using EMV payment applications stored in a remote server. The remote EMV payment application may directly communicate EMV transaction data to the issuer system to complete transactions. The system may receive a transaction request comprising a payment token and an EMV payment application uniform resource identifier (“URI”). The system may invoke from a payment application server a remote EMV payment application based on the EMV payment application URI, wherein in response to being invoked, the remote EMV payment application is configured to interact with a merchant system kernel to process the transaction request, and wherein in response to processing the transaction request the remote EMV payment application is configured to transmit a transaction authorization request comprising EMV transaction data directly to the issuer system.

Abstract: Systems and methods for automated linkage of enriched transaction data to a record of charge are provided. Electronic enriched transaction data, such as receipt information, provided by merchants, merchant aggregators, or third parties may be automatically associated with the corresponding transaction, and transmitted after the sale, or after authorization of the transaction, without user intervention. The enriched transaction data may be automatically associated with the record of charge at the acquirer or issuer end. Transaction account holders are able to view and/or download the electronic enriched transaction data with the record of charge, without the need for manually initiating emailing or attaching or the electronic enriched transaction data.

Abstract: Disclosed are approaches for enforcing requirements that documentation be up to date. In response to initiation of a build process for an application, a source-code file associated with the application is evaluated to determine an identifier and a location for a corresponding documentation file. A determination can be made regarding whether the documentation file exists at the location. Another determination can be made regarding whether each function specified in the source-code file has a corresponding entry in the documentation file. The build process can be halted in response to determining that at least one function specified in the source-code file fails to have the corresponding entry in the documentation file. If the build process is halted, a message can be displayed on the computing device, the message identifying the at least one function specified in the source-code file that fails to have the corresponding entry in the documentation file.

Abstract: Disclosed are various embodiments for verifying a consumer's identity during card-not-present (CNP) transactions using biometric data (e.g., fingerprint, retina scan, iris scan, handprint, voice sample, face scan, etc.) of the consumer obtained using a biometric security device. A zero-knowledge proof algorithm is used to verify the identity of a user initiating a transaction without disclosing personal information (e.g., biometric data) of the user to the issuer, merchant, recipient and/or other party, thereby preserving the privacy of the user.

Abstract: Disclosed are various embodiments for searching encrypted data. A search query containing a plaintext key can be received from a client device or other application. A request can then be sent to a storage engine for a ciphertext key of a node of a binary tree, the node representing an encrypted key-value pair that includes the ciphertext key. The ciphertext key can be decrypted using a cryptographic key to generate a decrypted ciphertext key. Then, the decrypted ciphertext key can be compared to the plaintext key. A determination can then be made as to whether the encrypted key-value pair represented by the node of the binary tree satisfies the search query based at least in part on a comparison of the decrypted ciphertext key to the plaintext key.

Abstract: Systems and methods for motion-enabled transactions are disclosed. The system may allow users to complete transactions with merchants via an air sign input. The system may receive a motion-enabled transaction request comprising an air sign input. The system may determine a stored air sign symbol based on the air sign input. The system may retrieve a merchant identifier, a transaction type, and a transaction cost based on the determined stored air sign symbol. The system may transmit a transaction confirmation comprising the merchant identifier, the transaction type, and the transaction cost. In response to the user confirming the transaction confirmation, the system may authorize and process the transaction.