Abstract: Technology is described for providing and using a thermo-sensitive payment card. An example payment card comprises a card substrate and a personalization layer overlaying the card substrate. The personalization layer includes a first region and a second region surrounding the first region. The first region includes an account number associated with an account of a user, and the account of the user is maintained by a payment service system that issues the payment card. At least one of the first region or the second region comprises a thermochromic ink such that application of heat to the first region or the second region having the thermochromic ink causes a change in color of the personalization layer so as to reveal the account number.

Abstract: In some examples, a buyer in a group may leave an establishment associated with a merchant with an open bill. In response to the buyer leaving the establishment, a transaction associated with that buyer can be completed to pay the buyer’s portion of the bill. As one example, a payment service system can receive first beacon information that identifies the presence of a first device at a merchant location. The first device may be associated with a buyer in a group (e.g., a group dining at a restaurant), where the buyer has a transaction record with the merchant. The payment service system can receive second beacon information identifying a second location of the first device that is not associated with the merchant. In response to the first device no longer being present at the merchant location, payment service system can complete the transaction between the buyer and the merchant.

Abstract: Multi-participant media control and playback. In some implementations, a group chat is facilitated among user accounts through messaging application instances executing on user devices. A first request is received via a messaging application instance to commence synchronized playback of media content from a collaborative playlist. Synchronized playback of the media content is initiated between messaging application instances associated with the first user account and a second user account. Real-time communication is enabled between the user accounts within the group chat while the synchronized playback of the media content is occurring.

Abstract: In examples, a payment service can identify a first merchant and a second merchant as complementary merchants based on transaction data associated with a plurality of merchants. First transaction data for a first transaction between a first merchant is received, which includes a payment card number. A payment can be processed and apportioned between the first merchant and a second merchant based on an agreement between them. A receipt user interface can be generated that includes representations of the merchants and a promotion for a second transaction between the customer and a second merchant, based on a transaction history of the customer. The payment service can receive second transaction data from the second transaction and process a payment for the second transaction based on the promotion.

Abstract: Systems and methods comprising storing an identifier associated with payment data corresponding to a payment instrument of a customer for use in future transactions of the customer; and based at least in part on a determination that one or more merchants, associated with a payment processing service, are associated with a same characteristic, provisioning, by the payment processing service, the identifier to be used by the one or more merchants such that the identifier is temporarily accessible to one or more merchant devices associated with the one or more merchants for enabling the one or more merchants to use the identifier to complete one or more transactions with the customer without requiring the customer to present the payment instrument in association with the one or more transactions.

Abstract: Systems and methods for interaction-based token generation are disclosed. In some examples, a system receives an indication of an interaction between a user device and an interactive element. The interaction involves receipt of data at the user device through the interaction. The system determines, based on context data and based on the user device storing the data in response to the interaction, that a predetermined condition is met. The system causes, in response to the predetermined condition being met, a digital object to be automatically generated using a distributed ledger. The system associates the digital object with the user device.

Abstract: In some examples, a system receives, based on a first output of a sensor associated with a merchant, an indication of a quantity of an item in an inventory of the merchant. The sensor is configured to detect tracking components associated with respective items in the inventory. The system determines, based at least on transaction information related to the merchant and the first sensor output, a time that the item quantity in the inventory will reach an inventory threshold. Based on determining that the time to reach the inventory threshold is within a threshold time, the system sends, to a device of the merchant, a recommendation to purchase an additional amount of the item. Based at least on sending the recommendation, the system receives, based on a second output of the sensor, an indication of an increase in the quantity of the item in the inventory of the merchant.

Abstract: Techniques for pre-authorization a transaction between a merchant a customer are described. A payment service may receive payment information of a payment instrument for satisfying a first cost of a first item. The payment service may receive transaction data and determine a highest transaction amount. The payment service may send an authorization request to a credit card network (CCN) to hold a first amount of funds based on transaction data and the highest transaction amount, and receive an indication the fund are authorized. The payment service may determine an item to upsell to the customer in lieu of the first item and generate a recommendation for the merchant to offer the item to the customer. The payment network may receive an indication the customer has requested to purchase the item and send the CCN a capture request for a second amount of funds corresponding to the cost of the item.

Abstract: Personal datastore usage techniques in a decentralized network are described. In one or more examples, a decentralized identifier associated with an artist is obtained. The decentralized identifier is resolved to a decentralized node as part of a network of decentralized nodes. A request is generated to access digital content associated with the artist from a personal datastore maintained at the resolved decentralized node, the request includes verifiable credentials. The digital content is received from the personal datastore in response to a validation of the verifiable credentials. A user interface is configured based on the digital content and on customization data maintained in the computer-readable storage medium. The user interface is displayed in support of output of the digital content.

Abstract: Systems and methods for reading from a transaction instrument are disclosed. In some examples, a system receives a signal from a reader interface in response to an interaction between the reader interface and the transaction instrument. The system amplifies the signal using an amplifier and based on a gain of the amplifier to generate an amplified signal. In some examples, the system converts the amplified signal. The system decodes data from the amplified signal. The system adjusts the gain of the amplifier based on the data. The system outputs the data, in some cases in an encrypted form.

Abstract: Particular embodiments receive a request to access an amount of the funds comprising a restricted balance associated with a restricted account of a user if a payment service prior to satisfaction of a condition associated with the restricted account. The condition, upon satisfaction, allows the restricted balance to transition to an unrestricted balance. The payment service causes an intervention to be displayed by a user device of the user that prevents access to the funds in the restricted balance. In lieu of accessing the funds in the restricted balance, the payment service automatically causes an amount of funds to be transferred to an unrestricted account of the user. The payment service withdraws, from the restricted balance, an amount of funds equal to the amount of funds transferred to the unrestricted account unless one or more conditions associated with the transfer to the unrestricted account of the user are satisfied.

Abstract: A digital content contribution verification system in a decentralized network is described. In an implementation, digital content is obtained and a plurality of portions are located from the digital content. A decentralized identifier and verifiable credential are identified as associated with a respective portion of the plurality of portions. The decentralized identifier is resolvable to a respective node from a decentralized network of nodes individually configured to store, receive, and transmit data. Representations are displayed of the decentralized identifiers indicative of a respective entity and corresponding verifiable credentials validating a relationship of the respective entity with the respective portion.

Abstract: Digital catalog user interface and a modular catalog architecture are described. In one or more examples, a catalog management system receives a request to create an item and displays an initial item creation interface with a field for designating an item type. Upon receiving user input designating an item type, the catalog management system retrieves a catalog schema associated with the designated type. A customized item creation interface is dynamically generated based on the schema, including input fields corresponding to attributes defined by the schema and user interface elements for specifying sales channels. The catalog management system displays the customized interface and receives user input specifying attribute values and selecting channels. The customized interface is dynamically updated to display additional input fields based on the selected channel. An item entry is generated in the digital catalog based on the received user input and stored in association with the catalog.

Abstract: A system for managing and using digital financial assets, such as cryptocurrency uses multiple independent devices that mutually cooperate to control cryptocurrency assets in a secure manner. Each of these devices may store a unique private key associated with the cryptocurrency assets, which may be configured such that a certain minimum number of these private keys are required to transfer the cryptocurrency assets. The use of multiple private keys spread across multiple distinct devices may reduce the likelihood of loss stemming from a hardware failure or reduce the likelihood of an attacker successfully gaining access to the cryptocurrency assets. In addition, selection of the devices to be used for storing these private keys, as well as how many private keys are required to authorize a transaction, may be tailored to balance a user's preferences for reliability of access versus security and for third-party custody versus self-custody.

Abstract: Systems and methods are disclosed for controlling and/or indicating sensor usability. For instance, a system running an application can identify, based on contextual data, a transition in the application from a first mode (in which a sensor is not usable by the application) to a second mode (in which the sensor is usable by the application). The system can transition an output device (e.g., a display) from not outputting a sensor usability indicator (while in the first mode) to outputting the sensor usability indicator (while in the second mode). The system activates the sensor to scan an optical glyph (while in the second mode and while outputting the sensor usability indicator). The system analyzes the optical glyph to optically decode object information from the optical glyph. The object information is associated with an object. The system performs an action associated with the object based on the object information.

Abstract: Liquidity and security mechanism are described as part of a unified cryptographic wallet. In an implementation, a request is received by a server to initiate a transaction involving a fund transfer using a blockchain network or a decentralized network. A determination is made, automatically and without user intervention, whether to perform the transaction, e.g., based on a threshold. The request responsive to determining to perform the transaction. The signed request is communicated to initiate the fund transfer of the transaction using the blockchain network or the decentralized network.

Abstract: A recommendation system is described, which is configured to generate and output a recommendation for an artist, an artist's authorized agent, or combinations thereof, regarding an action to perform for increasing consumption of media content items associated with the artist. In implementations, consumption of one or more media content items associated with an artist is monitored. Based on the monitored consumption, the artist is assigned to an artist segment. Recommendations are then generated for the artist based on artist data for the artist as well as historical data associated with different artists that are included in the same artist segment or that were previously associated with the same artist segment. A user interface is generated to display information describing data associated with the artist and present controls that are selectable to initiate performance of a recommended action.

Abstract: Digital service license control techniques are described. In one or more examples, registration signup data is obtained from a plurality of content attribution monitoring systems and a plurality of resource transfer templates are generated for the plurality of content attribution monitoring systems. A content creator profile formed as a knowledge graph is generated as having a plurality of nodes that include the content creator identifier and a composition identifier associated with a composition of content associated with the content creator. A single input is received via a user interface to initiate registration with the plurality of content attribution monitoring systems for resource transfer collection. Resource transfer data is generated for each of the plurality of content attribution monitoring systems, automatically and without user intervention, by mapping the knowledge graph of the content creator profile using respective resource transfer templates of the plurality of resource transfer templates.

Abstract: Local hub synchronization systems are described. In an example, communications are received from multiple edge devices, conflicts are detected, and intents are inferred from each communication. The system determines a conflict resolution module based on the inferred intents and executes the conflict resolution module to resolve the conflict. A resolved communication is then generated and used to update the local hub's database. The resolved communication is transmitted to the original edge devices to synchronize their local databases and to a service provider system to indicate the resolution of the conflict.

Abstract: Systems and methods directed to a payment server updating an attestation routine. A payment server can receive, from a merchant's payment terminal, attestation data based on execution of the attestation routine comprising test criteria. The payment server can determine a first indication of fraud associated with a payment transaction conducted at the payment terminal or a first indication of a tamper attempt associated with the payment transaction based at least in part on the attestation data and payment transaction data. The payment server can then receive a second indication that indicates improper denial or improper acceptance of the payment transaction. Based at least in part on the indications, the test criteria is updated and an updated attestation routine comprising the updated test criteria is generated.