Abstract: Particular embodiments determine, at least in part by a computing device of a payment service, to associate a data object with a user account that is associated with a stored balance managed by the payment service. The computing device associates an amount of the data object with a distinct stored balance associated with the user account. The distinct stored balance is associated with a condition of use. The computing device monitors transaction data associated with users of the payment service. The computing device identifies, from the transaction data, a transaction associated with an identifier associated with the user account. Based on a determination that the transaction satisfies the condition of use, processing payment for the transaction using at least a portion of the distinct stored balance prior to using the stored balance.

Abstract: Technology is described for generating a tax return document. In one example, a payment service system presents a user interface on a mobile device of a user. Based on user selection of an icon of the user interface, the payment service system determines tax liability of the user and generates tax return documents on behalf of the user. The tax liability and tax return documentation is based at least in part on a user profile of the user stored at the payment service system and on financial data associated with services provided to the user by the payment service system.

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: A payment service system receives a request from a user's device for an exchange between a first asset (e.g., a fiat currency) and a second asset (e.g., a cryptocurrency) via an agent, and identifies the agent based on context of the request. The system generates an interactive element, provides the interactive element to the user's device, and detects when the agent's device interacts with the interactive element on the user's device. The system verifies respective identities of the user and the agent based on the interaction. The system verifies that the first asset has been transferred between the user and the agent, and facilitates transfer of the second asset between an account associated with the user and an account associated with the agent and/or the payment service system.

Abstract: In one embodiment, a payment service system-implemented method of assigning payment card numbers for individual user accounts associated with the payment service system includes receiving payment card numbers activated by a third-party server that are unassigned to accounts registered. The method includes receiving a first transaction authorization request for one of the payment card numbers and denying the request, without notifying the third-party server, based on the number being unregistered with the payment service system. The method includes receiving, via an executable application, a request to register a user account for a payment service system user, and in response, generating a record assigning the payment card number to the user account.

Abstract: A first geo-fence extending along a path taken by a user within a store of a merchant may be determined based at least in part on an electronic device associated with the user. Second geo-fences extending along path(s) taken by employee(s) of the store may be determined based at least in part on electronic device(s) associated with respective employee(s). It may be determined that a portion of the first geo-fence at least partially overlaps with at least one second geo-fence within a window of time, which terminates when the user leaves the store. Based at least in part on determining the overlap, the corresponding respective employees associated with the at least one second geo-fence are selected and information regarding the one or more employees is presented via the electronic device of the user or a point-of-sale (POS) device of the merchant.

Abstract: Various embodiments are related to apparatuses and methods for enabling a sender to perform monetary transactions for a requestor. A sender can use, for example, a payment application associated with a payment processing system to perform a monetary transaction for a requestor. The payment processing system can send information related to the monetary transaction to, for example, a sender-requestor association component. When the monetary transaction is a deposit, the sender can receive funds for the deposit from the requestor. The platform can debit the requestor's financial account for the deposit amount and credit the sender's financial account with the debit account as a physical cash transaction occurs between the sender and the requestor.

Abstract: A payment service system receives contextual information regarding an interaction between the payment service and a user device associated with a user. A propensity metric for the user is determined based at least in part on inputting the contextual information into a machine learning (ML) model. Based on the propensity metric, a user interface is dynamically configured to comprise user interface elements arranged in a layout personalized for the user, where a user interface element represents content particular to a service offered by the payment service. Based on receiving an interaction with the user interface element, a booklet is launched corresponding to the service with which the user interface element is associated.

Abstract: Systems and methods are disclosed embodying techniques directed to, in association with a transaction between a payor and a payee, determining a parameter associated with at least one of the payee, payor, or transaction. Methods and systems further include dynamically determining, based on the parameter, a customized transaction flow for the payee, wherein the customized transaction flow comprises a set of operations for completing the transaction. Method and systems are further directed to causing one or more user interfaces corresponding to one or more of the set of operations to be presented via a user device of the payor for execution of the set of operations.

Abstract: Techniques described herein enable wireless payment reader to transition between lower-power and higher-power states while still performing cryptographic operations for securing payment data without undue latency caused by the transition between sleep and awake power states. For instance, a wireless payment reader may store information associated with cryptographic operations performed by the wireless payment reader in persistent memory of the wireless payment reader so that this information may be retained when the wireless payment reader enters a low-power, sleep state. Thus, when the wireless payment reader awakens from the low-power state, the wireless payment reader may read the cryptographic information from the local persistent memory rather than needing to request this information from a payment service.

Abstract: Methods and systems directed to scanning, by an imaging device associated with a customer computing device, a Quick Response (QR) code displayed on a merchant computing device; decoding, by an application on the customer computing device, data embedded in the QR code; identifying, by the customer computing device and based on the decoded data, a uniform resource locator (URL) associated with a web page of the merchant, wherein the URL includes a payment proxy associated with the merchant; presenting the web page on the customer computing device; transmitting, by the customer computing device, an indication of interaction with the web page comprising an intent to purchase item(s) offered for sale via the web page; and receiving, by the customer computing device, an indication of completion of a payment for the item(s) facilitated by parsing the payment proxy server(s) of a payment processing system.

Abstract: Disclosed herein are methods and systems to generate and communicate interactive digital receipts. A payment-processing system (PPS) receives first data associated with a payment transaction between a payee and a payor. The PPS is associated with a database that includes a payee profile and a payor profile. The payee profile includes payee employment history, transaction history, and location tags associated with the transactions. The payment transaction is processed. Based on the payee and payor profiles, an interactive digital proof of transaction, including an indication of an availability of a resource or a vacancy, is generated and displayed on a device associated with the payee or the payor. A location of the vacancy indicated is based on the location tags. The PPS receives second data indicating a user interaction with an interactable element of the interactive digital proof of transaction corresponding to the indication of the availability.

Abstract: An adaptive collaboration platform is described. In accordance with the described techniques, a request is received to generate collaboration recommendations for an artist. A collaboration system processes artist data for the artist with additional artist data for other artists in an artist population to generate collaboration recommendations for the artist. The collaboration recommendations are exposed to the artist via a user interface of the collaboration system. The collaboration recommendations recommend at least one of the other artists as a collaborator for the artist. The user interface of the collaboration system also enables the artist to form a communication channel with the collaborator.

Abstract: A decentralized node may generate a network of decentralized nodes individually configured to store, receive, and transmit data based on rules associated with the decentralized nodes. A decentralized node may associate a decentralized identity of an entity with a select decentralized node of the decentralized nodes. A decentralized node may present a user interface including one or more access controls at a edge device, the access controls configuring rules to be applied to third-party access and modification of decentralized identity data associated within the decentralized identity of the entity and stored at the selected decentralized node. A decentralized node may identify the decentralized identity data accessible to the select decentralized node based on the rules. A decentralized node may store the decentralized identity data within the decentralized identity associated with the entity at the select decentralized node.

Abstract: Systems and methods for processing multiple point-of-sale (POS) transactions include receiving, at a first window of a user interface, a first input of payment information associated with a first item of a first POS transaction and presenting, at a second window of the user interface, a status of the first POS transaction. The POS system then may receive, at the first window and concurrently with presentation of the status at the second window, a second input associated with a second POS transaction, where the first window is associated with the second transaction and the second window is associated with the first transaction. The POS system may receive a notification of a confirmed payment of the second POS transaction prior to a resolution of the first POS transaction.

Abstract: A method and system for multi-account payment processing are described. An example method includes: receiving, at a computing system and for a payment transaction involving one or more items, information associated with a purchaser, wherein the information is associated with a plurality of accounts, and wherein each of the plurality of accounts is associated with distinct account information; determining, at the computing system and based on one or more account selection criteria, one or more accounts of the plurality of accounts to use for processing the payment transaction, wherein the one or more account selection criteria include at least one of merchant type or available funds in the plurality of accounts; and processing, at the computing system, a respective aspect of the payment transaction corresponding to a respective item of the one or more items using a respective account of the determined one or more accounts.

Abstract: Methods and systems for a payment processing service (PPS) to receive transaction data for transaction(s) processed by the PPS; generate training data based on the transaction data that comprises, for individual transactions, a service, an employee, and a duration; training a duration-identification model using the training data, wherein the duration-identification model outputs a duration for a particular service with a particular employee; receiving, from a computing device of a customer, a request for an appointment for the service; determining, based at least in part on the duration-identification model and the service, a duration of the service with the particular employee; based at least in part on the duration, determining a proposed appointment with the employee for the service; and causing presentation of a user interface of the computing device of the customer that includes an indication of the proposed appointment. A customer-specific model may also be used.

Abstract: In one embodiment, a method includes receiving first payment data and a first identifier of a first user, wherein the first payment data is linked to the first identifier and stored in a datastore of the payment service and in association with a first user account of the payment service; receiving, second payment data and a second identifier of a second user, wherein the second payment data is linked to the second identifier and stored in the datastore and in association with a second user account of the payment service; receiving a request for a near-instantaneous transfer of a payment for a transaction between the first user and the second user, the request including the first identifier; and in response to receiving the request, identifying the first user account and the second user account; and causing the near-instantaneous transfer of the payment to a financial account of the first user.

Abstract: In some examples, a system and method for generating a payment instrument are described. The method includes receiving a unique signature that a recipient intends to associate with the payment instrument; verifying that the received feature meets an acceptability criterion; generating a representation of the received signature, wherein the representation is in a form capable of being physically associated with the payment instrument, and wherein association is established by embedding or exposing the representation on the payment instrument; and causing physical generation of the payment instrument having associated therewith the representation of the signature.