Abstract: Blockchain supported resource transfer communication protocol techniques are described. In an implementation, a semantic message is received encoding parameters to be implemented as part of a resource transfer involving a digital wallet. A quote is generated specifying attributes as part of implementing communication connections to perform the resource transfer in compliance with the parameters specified by the semantic message. An acceptance message is received indicating acceptance of the quote, the acceptance message including credentials of the digital wallet. Generation is initiated of an application executable as part of a blockchain as complying with the parameters and the attributes. Data describing the application as executable as part of the blockchain is transmitted for distribution to the digital wallet. The resource transfer is initiated through execution of the application as part of the blockchain.

Abstract: A provisioning system is provided for terminals such as point of sale terminals. An interface device interfaces with a smart card and a provisioning server, providing initialization keys and security codes that are stored on the smart card. At a terminal, an initialization key from the smart card may be provided to the terminal if a correct security code is entered at the terminal. The terminal may then provide a terminal authorization package to the smart card. The terminal authorization package is stored on the smart card. At the interface device, the terminal authorization package is provided to the provisioning server. The terminal may then securely communicate transactions with an issuer server.

Abstract: Sever-based order persistence and/or fulfillment is described herein. In an example, server(s) associated with a payment processing service may receive, from a point-of-sale (POS) device associated with a merchant, an order associated with at least one item available for purchase from a physical location of the merchant. The server(s) may store the order in a storage data structure. In an example, the server(s) may determine an occurrence of a trigger event and may update a status of the order based at least in part on the trigger event. In some examples, the trigger event may correspond to an interruption in a connection with the POS device, fulfillment of the order, etc. The status of the order can indicate whether the order is to be sent to the POS device, removed from the storage data structure, etc.

Abstract: Batch-processing of open tabs associated with one or more customers of a merchant is described. User data associated with a user may be identified. Based on the user data, a determination may be made that batch-processing of transactions of the user has been authorized. A tab data structure specific to the user and a merchant may be generated. The tab data structure may store transaction data associated with transaction of the user. Occurrence of an event may be detected, and in response, at least a portion of the transactions stored in the tab data structure may be settled via a batch process. A payment instrument may be authorized for the portion of the transaction.

Abstract: A method and apparatus for simulating user input for applying a tip in a cardless transaction. A message indicating a tip amount related to an electronic transaction is received at a first module in a point-of-sale (POS) system. The tip amount is communicated from the first module to a second module in the POS system wherein communicating includes, without user input at the POS system: simulating a first sequence of user inputs and a second sequence of user inputs; transmitting, to the second module, first data indicating the first sequence, the transmitting causing the second module to enter a state appropriate for receiving the tip amount; and transmitting, to the second module, second data indicating the second sequence, the second sequence representing the tip amount. The data of the electronic payment transaction is updated by the second module to reflect the tip amount.

Abstract: In some examples, a payment service receives transaction data for transactions processed by the payment service. Based on information related to a user of the payment service, an artificial intelligence (AI) model is used to generate a first credit offer and credit limit for the user, the AI model having been trained using the transaction data to generate credit offers by determining whether information about the user satisfies a first threshold for likelihood of default. One or more characteristics of the user are compared with one or more characteristics of at least one similar user to determine that the user is associated with additional information indicating that the user satisfies a second threshold for likelihood of default. The AI model is used to generate a second credit offer and credit limit for the user based at least on the additional information satisfying the second threshold for likelihood of default.

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: Systems and methods are disclosed for fault-tolerant hash control. In some examples, a hashing system receives a dataset. The controller apportions hashing calculations across hashing chips to calculate at least one hash digest based on the dataset. The hashing chips include at least a first hashing chip, a second hashing chip, and a third hashing chip. A first connector couples the first hashing chip to the second hashing chip. A second connector couples the second hashing chip to the third hashing chip. A backup connector couples the first hashing chip to the third hashing chip, bypassing the second hashing chip. The first hashing chip sends a communication to the third hashing chip along the backup connector that bypasses the second hashing chip in response to a determination that the second hashing chip is nonresponsive.

Abstract: A first identifier associated with a brick-and-mortar store of a merchant and a second identifier associated with a designated physical area within the brick-and-mortar store can be accessed to generate a third identifier that is an identification code scannable by a computing device of a customer. The identification code can be received from the computing device of the customer and a menu of items associated with the merchant can be caused to be presented via the computing device of the customer. An indication of an order for an item of the menu of items associated with the third identifier is received from the computing device of the customer. Payment data associated with a payment instrument of the customer is received from the computing device of the customer, and payment for the order of the item is processed based at least in part on the payment data.

Abstract: Facilitating payments for merchants that use multiple payment service providers (PSPs) is described. A first request may be received to establish a first on-file grant, wherein the first request indicates a first PSP used by a merchant. A request to associate a second PSP with the merchant may be received from a merchant device of the merchant, and a group association between the merchant, the first PSP, and the second PSP may be stored. A second request indicating that a transaction will be processed using the second PSP may be received, and, based on the group association, it may be determined that an identifier associated with a user account of a user can be used for the transaction. A second on-file grant may be established, and a response to the second request may be sent to indicate approval to use the identifier for payment of the transaction.

Abstract: Facilitating multi-user content personalization is described. Respective requests to personalize respective payments from respective payors to a payee are received from respective user devices executing a payment application. A customization user interface is presented to the respective payors from which the respective payors are able to customize respective screens to be presented to the payee, wherein a personalized payment functionality is selectively enabled for a first payor and disabled for a second payor. A first screen customized by the first payor and a second screen customized by the second payor are received from the respective user devices, and the screens are combined to generate combined output. An indication that the payee has opened the payment application on a user device is received, and, in response, the combined output is caused to be displayed via a user interface of the payment application executing on the payee's user device.

Abstract: Systems and methods for determining and displaying an average or median count of mobile devices near an entity location is described. The systems and methods comprise receiving location data from a plurality of mobile devices to determine their locations over a period of time. An average or median count of mobile devices of the plurality of mobile devices that are within a threshold distance from an entity during individual hours of a plurality of hours of a day is determined. The highest average or median count of mobile devices during the plurality hours of a day is set as a benchmark count. A user interface is presented that includes a plurality of graphical representations individually corresponding to respective hours of the plurality of hours and a visual indication of the average or median count for the respective hour relative to the benchmark count.

Abstract: Decentralized hast table techniques are described. In an implementation, a hash table input is received including a decentralized identifier and index data configured to locate the decentralized identifier. A hash table entry is generated for inclusion in a decentralized hash table in compliance with a hash table schema. A decentralized identifier search query is received from a client device. The decentralized hash table is searched based on the index data using the decentralized identifier search query. A decentralized search result is generated that includes the decentralized identifier for receipt by the client device responsive to the searching.

Abstract: A wireless communication device includes first and second wireless communication interfaces for communicating with a second device. The first wireless communication interface communicates according to a first wireless communication protocol and the second wireless communication interface communicates according to a second wireless communication protocol. The second wireless communication protocol is associated with a higher data rate and a higher power consumption than the first wireless communication protocol. The second device sends a message to the wireless communication device. Based on that message, certain hardware of the wireless communication device is enabled, including the second wireless communication interface. The wireless communication device and the second device then establish a connection according to the second wireless communication protocol and communicate via that connection.

Abstract: A computer-implemented method of determining candidate peer-to-peer (P2P) platforms associated with a single transaction identifier is disclosed. In an example, a payment processing platform can receive data from a user device, the data associated with capture by the user device of a transaction identifier. The PPP determines that the transaction identifier is associated with multiple peer-to-peer (P2P) platforms. Information associated with the transaction (e.g., customer, merchant, etc.) is accessed. Candidate P2P platforms are identified based at least in part on determining that the each of the candidate P2P platform's contextual criterion for processing is met. The candidates are presented to the user via the user device, and an authorization request is sent to a user-selected P2P platform of the candidate P2P platforms.

Abstract: Expedited transaction processing using a database of integrated in-store and online transactions is described. First transaction information associated with a first transaction conducted in a physical store of a merchant and second transaction information associated with a second transaction conducted via an online store of the merchant can be received. The first transaction can be processed based at least partly on the first transaction information and a record of the first transaction can be stored in the database. Based at least partly on the record, the second transaction can be processed using at least a portion of the second transaction information by (i) sending, to a card authorization service, the second payment information and (ii) generating an indication that the first payment information was authorized for the first transaction at the physical store. A computing device of the online store can be notified that the second transaction is allowed.

Abstract: A merchant terminal or a customer terminal receives first input(s) associated with a first POS transaction with a first customer. Based on the first input(s), it is determined that the first POS transaction is in a first item-input portion and so the merchant terminal is designated as a state control terminal for the first POS transaction. Based on a trigger event occurring for the first POS transaction, it is determined that the first POS transaction is in a payment-input portion, and the customer terminal is designated as the state control terminal. Second input(s) associated with a second POS transaction with a second customer are received prior to receiving payment input to the first POS transaction and while the customer terminal is the state control terminal for the first POS transaction. Based on the second input(s), it is determined that that the second POS transaction is in a second-transaction item-input portion.

Abstract: A media content platform is described. In accordance with the described techniques, a first request is received from an artist entity to make a media content item available for modification by other entities on the media content platform. The first request includes one or more access controls that control use of the media content item. The media content item is stored on the media content platform. A second request is received from a requesting entity to modify the media content item. The second request accepts the one or more access controls. Access to the media content item for modification is granted to the requesting entity. A new media content item that incorporates at least a portion of the media content item is received from the requesting entity is received.

Abstract: An electronic device may include a printed circuit board having a physically unclonable function (PUF) source. The PUF source includes a plurality of fuses that provide PUF data based on a measurement of electrical parameters resulting from a first signal being transmitted through the plurality of fuses. The electronic device also has processing circuitry in communication with the PUF source that can detect a triggering event at the electronic device and determine an event type based on the detected triggering event. The processing circuitry can select at least one fuse of the plurality of fuses based on the determined event type and change an electrical property of the selected at least one fuse such that the PUF data from the PUF source is modified.

Abstract: Intelligent application of reserves to transactions is described. In an example, server(s) associated with a payment processing service receives first transaction data associated with a plurality of first transactions, wherein the first transaction data includes indications, for an individual first transaction, of whether a chargeback request occurred and item(s) and a customer associated with the transaction. In an example, the servers process the plurality of first transactions. A predictive model is trained based at least in part on the first transaction data. Second transaction data is received from a POS device of a second merchant associated with a second transaction. A value reflective of a level of risk for the second transaction is determined based on inputting an item or customer associated with the second transaction into the predictive model.