Abstract: A payment processing service (PPS) can receive, during a transaction, and from a mobile device, tokenized data associated with a customer's payment instrument. The PPS can determine that a first application on the mobile device, and a second application on a second mobile device of a second user, both have connectivity to the PPS. The PPS can register an association between the applications and determine a service offered by the second user. Using the tokenized data, the PPS can determine historical transaction data associated with the payment instrument. The PPS can send personalized content to the mobile device and receive an authorization request and transaction data for the transaction from the mobile device, which the mobile device receives from the second mobile device. The PPS can process payment for the transaction and send to the second application an indication of the authorization, without providing access to card information.

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: Techniques described herein are directed to determining that multimedia content displays a representation of an item offered for sale (1) at a first timestamp and (2) at a first location relative to a viewable window of a user device; generating an interactive element comprising an e-commerce tag interactable for purchase of the item; rendering, at the first timestamp, the interactive element on a first portion of the multimedia content and positioned relative to the representation of the item in a predetermined spatial configuration in the viewable window; rendering, at a second timestamp, the interactive element on a second portion of the multimedia content and positioned relative to the representation in the same spatial configuration; detecting an interaction with the interactive element; and based on detecting the interaction, displaying a graphical user interface configured to allow the user to purchase the item.

Abstract: Gating logic is described to control access based on verifiable credentials. The gating logic is employable in a variety of ways to leverage verifiable credentials in support of identity, qualifications, or other attributes of an entity, and may do so without exposing personal information. To do so, a software development kit is described in one or more examples that is configured to incorporate gating logic at a service provider system to leverage use of verifiable credentials.

Abstract: Point of sale (POS) systems and methods are described. The POS device detects, based on sensor data, a position of at least a portion of a user relative to a position of the POS device. The POS device includes a housing and a base. The POS device determines an adjustment to the position of the POS device applicable to the housing of the POS device. The adjustment causes the housing to rotate about an axis that is parallel to a surface of the housing and directs the POS device to face the position of at least the portion of the user. The POS device actuates at least one actuator to perform the adjustment.

Abstract: Examples include receiving, at a system, user data related to a user of a plurality of users, the user data including user characteristics associated with the user. The system assigns the user to a group of users based at least in part on the user sharing at least one user characteristic with users in the group of users. The system uses a machine learning model for determining, at least in part, an optimal communication channel through which to send a loan offer to the user, the machine learning model having been trained to determine optimal communication channels for providing loan offers based at least on user data associated with respective users of the group of users. The system sends the loan offer to the user via at least one communication channel selected based at least on the optimal communication channel determined at least in part using the machine learning model.

Abstract: A system to enable entities to utilize reservations services provided by a service provider is described. In examples, a computing device receives a first reservation on a display at a first merchant location of a merchant using a first reservation application. The display computing device receives a second reservation on the display at a second merchant location of the merchant using a second reservation application. A reservation proposal is received, including a seating chart for the first reservation and the second reservation. The seating chart is generated by a service computing device interfaced with the computing device through one or more application program interfaces (APIs). The seating chart is modified based on real-time inputs from the merchant indicating changes in the seating chart. API calls are initiated to the service computing device, causing re-allocation of seats.

Abstract: This disclosure describes, in part, a payment service predicting that use of a payment instrument is fraudulent. In examples, a user profile and associated account may be stored in a data store associated with the payment service. The user profile may include an identifier of a payment instrument and historical transaction data for transactions of the user. A payment authorization request may be received by the payment service that includes the payment instrument identifier. If a dissimilarity metric (determined by comparing characteristics of the transaction data for the pending transaction to the historical transaction data) exceeds a threshold, it may be predicted that the payment authorization request is not associated with the user, and a fraud alert may be sent to a user device.

Abstract: A method for designing and constructing a thin programmable dynamic credential card is disclosed. The thin programmable dynamic credential card may comprise multiple layers, including a top surface layer containing an opening through which a graphical display system below the top surface layer can be viewed. The graphical display system is configured to present at least one coded image. The at least one coded image is determined based at least in part on context data associated with a context of the programmable credential card.

Abstract: A hashing system includes data storage circuit elements that store words to be used for hashing a message. Each data storage circuit element stores a word without moving the word to any other data storage circuit element during hashing. The hashing system includes combinational logic circuit element(s) that select specified data storage circuit elements according to a specified order that simulates shifting of at least a subset of the words among the data storage circuit elements, for instance based on an order in which the words were stored and/or based a clock. The hashing system includes computational operator(s) that generate additional word(s) based on the selected specified words. The hashing system stores the additional word(s) into available data storage circuit element(s), in some cases overwriting prior word(s) that were stored in the available data storage circuit element(s). The hashing system can include a message expander (ME) and/or message compressor (MC).

Abstract: Systems and methods for conducting a transaction using multiple devices are described. In examples, a first device presents, via a first application, a first user interface (UI). The first UI facilitates first transaction functionalities associated with at least one first action of a plurality of actions comprising the transaction. Input to the first device is detected, which results in a transition of the first device from a first state to a second state. A second application on a second device detects the transition and sends an instruction to the first device to present a second UI. The second UI is configured to facilitate at least one second transaction functionality of one or more second transaction functionalities that are associated with at least one second action of the plurality of actions comprising the transaction.

Abstract: In some examples, a first computing device receives, from a second computing device, a security certificate of the second computing device. Based on receiving the security certificate from the second computing device, the first computing device stores the security certificate in a data structure and causes a security layer of the first computing device to receive the security certificate. The security layer may implement a network security standard to communicate with the second computing device based at least on receiving the security certificate. Additionally, the first computing device transmits the security certificate stored in the data structure to a validation system to determine a validity of the security certificate.

Abstract: A payment service may receive interaction data from a plurality of entities and analyze interactions to identify one or more interactions eligible for expedited payment. The expedited payment comprises a near real-time transfer of funds to a financial account of an entity. A user interface may be presented via an entity device that includes a representation of the eligible interaction(s). A pop-up window may be overlaid on the user interface that includes a display element selectable to request the expedited payment of at least one of the eligible interactions. Based on receipt of an indication that the entity has selected the display element, an expedited payment may be initiated for the at least one eligible interaction. After initiating the expedited payment in near real-time, a non-expedited payment may be initiated for remaining interaction(s).

Abstract: In one embodiment, techniques include storing indications of unique identifiers used by users of service providers that are part of a federated system. Each of the unique identifiers is associated with only one user. A computing system of a first service provider receives an intent to register a unique identifier with the first service provider. The computing system determines availability of the unique identifier based on determining whether the unique identifier is associated with another user in the data store. Based at least in part on the determination that the unique identifier is available, the computing system maps, in the data store, the unique identifier with an account of the user associated with each service provider that is part of the federated system. Subsequent to the mapping, the unique identifier is usable as a proxy in lieu of personal data associated with the user on each service provider.

Abstract: Embedding-based search adjustment system is described. In an example, a search system generates digital content embeddings based on digital content characteristics using machine learning and indexes these embeddings with respective identifiers according to an embedding schema based on the digital content characteristics. Upon receiving a search result containing references to multiple items in response to a search query, the search system generates a search result embedding for the referenced items using machine learning. The search system then performs a similarity search comparing the search result embedding against the digital content embeddings to generate affinity scores. User interaction data related to the items in the search result is obtained. Based on both the affinity scores and the user interaction data, the search system adjusts the items within the search result. The adjusted search result is then presented for display in a user interface.

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: Using face grouping for fraud reduction is described. A server(s) may receive, in association with a request to access the service, image data representing a face of a user and additional data, determine, based at least in part on the image data and using a trained machine learning model(s), a representation of the face, and determine one or more representations of faces associated with the representation. The server(s) can further determine first information based at least in part on the additional data, determine second information associated with the one or more representations, determine one or more differences between the first information and the second information, and determine whether to accept or deny the request based at least in part on the determining of the one or more differences.

Abstract: In particular embodiments, a computing device of a cryptocurrency service provider may receive a cryptocurrency payment request and in response may generate a code for facilitating the cryptocurrency payment. The computing device may cause the code to be presented via a user interface of a user device associated with a recipient. The user interface may be associated with a first user interface element, the interaction with which causes one or more sharing options to be presented. The computing device may receive an input designating a user and an application for sharing the cryptocurrency payment request. The computing device may cause the cryptocurrency payment request to be shared with the user via the application. A second user interface element representative of the cryptocurrency payment request may be presented to the user. The user may make the cryptocurrency payment to the recipient by interacting with the second user interface element.

Abstract: Decentralized trust establishment using sentiment documents is described. In an implementation, a decentralized network of nodes is generated. A first entity is associated with a select node of the nodes. A user interface is presented including one or more options at an edge device of the first entity. The options support inputs specifying identification of a second entity, sentiment regarding the second entity, and supporting information describing why the sentiment is expressed towards the second entity. A plurality of sentiment documents are collected, respectively, from the plurality of nodes of the decentralized network. A sentiment is determined as associated with an entity by processing the plurality of sentiment documents. The determined sentiment is output.

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.