Abstract: There are provided systems and methods for a multi-layer cache to prevent user experience interrupts during feature flag management. A service provider may provide applications to computing devices of users including mobile applications. Use and availability of features in an application may be configured using feature flags, however, change of these feature flags may initiate an application refresh that affects user experiences with the application. To prevent interruptions, a multi-layer data cache may be used where feature flag data for the feature flags may initially be loaded, after a time period, to a first layer cache that is not used to update the application. When conditions exist for updating the application without affecting the user experience, such as if the user is no longer using a workflow, the feature flag data may be loaded to a second layer cache. The second layer cache may then be used for updating.

Abstract: There are provided systems and methods for canary card identifiers for real-time usage alerts. A user associated with an organization, such as an employee of a company, are provided a payment instrument or card affiliated with that company to make one or more purchases. In order to prevent or limit fraud, as well as detect fraudulent actors, the organization utilizes multiple card identifiers and/or payment cards, where a portion of those identifiers are valid, and another portion are not valid but marked for generation of one or more alerts on use of that portion of identifiers. A monitoring and alert system resides on top of an electronic transaction processing network to detect use of the marked identifiers. If detected, a real-time alert is then transmitted to the organization with data associated with the use of the marked identifiers.

Abstract: There are provided systems and methods for an authorization and access control system for access rights using relationship graphs. A service provider may provide an authorization and access control system that allows users within the service provider and/or customer entities to assign and change access rights or permissions to computing resources. When providing control of these access rights, the service provider may utilize relationship graphs, queried and generated using a graph database, to visualize and determine access rights that are inherited through different relationships and policies defining these access rights. The relationship graph may show edges for nodes that correspond to related objects, such as actors, groups, and resources. Paths over the relationship graph may be used to determine access rights that may be inherited by users. Once determined, these access rights may be established and/or updated with computing systems.

Abstract: There are provided systems and methods for multifactor authentication through cryptography-enabled smart cards. A user may engage in transactions or other online interactions that may require multifactor authentication, such as by providing a secondary or further piece of evidence or information that is used to more securely trust the user and that they are not another malicious user. The user may utilize a physical card that includes a microchip embedded to a surface, where the microchip includes a key or other cryptographic signing function to be able to be scanned and digitally sign a request for authentication from a computing device. A user's computing device may then be brought into close proximity to the microchip when a request to scan the card's microchip is received. The user's computing device may then use wireless signals to activate the microchip and perform a multifactor authentication.

Abstract: There are provided systems and methods for an authorization and access control system for access rights using relationship graphs. A service provider may provide an authorization and access control system that allows users within the service provider and/or customer entities to assign and change access rights or permissions to computing resources. When providing control of these access rights, the service provider may utilize relationship graphs, queried and generated using a graph database, to visualize and determine access rights that are inherited through different relationships and policies defining these access rights. The relationship graph may show edges for nodes that correspond to related objects, such as actors, groups, and resources. Paths over the relationship graph may be used to determine access rights that may be inherited by users. Once determined, these access rights may be established and/or updated with computing systems.

Abstract: There are provided systems and methods for code generation and tracking for automatic data synchronization in a data management system. A user associated with an entity, such as an employee of an organization, may purchase an item utilizing a payment instrument or card provided by the organization. In order to provide proper expense allocation, the organization may require receipt matching and storage per use of the payment instrument. An expense management system may provide digital code generation and output on a corresponding physical or digital receipt so that when the receipt is provided to the expense management system, the codes may be matched to backend data stored by the system. The receipts may be processed by extracting text data from an image of a receipt to determine the codes. The codes may then be used to search a database of codes to match to digital transaction data.

Abstract: There are provided systems and methods for data tracing identifiers for tracking data flow through a data model and computing services. An entity, such as company or business, may provide computing services. When providing these services, one or more computing services, processors, or the like of the service provider's computing architecture may be used. This may include processing data through a data processing flow that uses multiple computing services. To automate data tracing through a data processing flow and corresponding computing services, a data library may be used to create and inject data trace identifiers to a message header associated with the data to be processed. This may be propagated with the data to other and/or centralized computing services, which may then persist the identifier with the data in a data table column for a standardized data model. These mappings may be stored by the centralized computing services.

Abstract: There are provided systems and methods for a multi-layer cache to prevent user experience interrupts during feature flag management. A service provider may provide applications to computing devices of users including mobile applications. Use and availability of features in an application may be configured using feature flags, however, change of these feature flags may initiate an application refresh that affects user experiences with the application. To prevent interruptions, a multi-layer data cache may be used where feature flag data for the feature flags may initially be loaded, after a time period, to a first layer cache that is not used to update the application. When conditions exist for updating the application without affecting the user experience, such as if the user is no longer using a workflow, the feature flag data may be loaded to a second layer cache. The second layer cache may then be used for updating.

Abstract: There are provided systems and methods for automatic data entry for form data structures using application programming interfaces. An entity, such as company or business, may want to onboard with a service provider that provides services to the entity, such as those associated with business credit, expense management, and the like. When onboarding, data entry to one or more digital form fields and structures may be required. In order to automate form filling based on data from disparate sources, the service provider may provide an external application programming interface (API) that receives API calls and converts and/or formats data for the fields and data structures of the digital form. The data entered to the fields and/or corresponding data structure may be stored in a specific database and tables as data structures retrievable for the digital form. When a referral token is received, the data may be retrieved.

Abstract: There are provided systems and methods for automatic adjustment of limits based on machine learning forecasting. An entity, such as company or other entity, may purchase items utilizing a payment instrument or card provided to the company by a credit provider system or entity. In order to provide proper underwriting for credit extensions, such as balances and limits of extendable credit, the credit provider system may utilize a forecasting machine learning (ML) model trained to predict a future global balance of funds or a likelihood of repayment of the extended credit limit. This may be based on information retrievable balances from a banking system and a staleness of this data. When the data is stale and has not been updated, the forecasted balance may have a wider range, and thus risk factors may designate less risky and lower limits.

Abstract: There are provided systems and methods for application data integration for automatic data categorizations. A user associated with an organization, such as an employee of a company, may utilize a payment instrument or card affiliated with that company to make one or more purchases. In order to provide proper data allocation of transaction data resulting from that purchase, the company may utilize an expense management system to track data through one or more processes and databases. The expense management system may utilize application data integrations, such as a calendar application, in order to extract application data at a time of detection of electronic transaction processing to allocate that transaction data in real-time to particular actions taken by or engaged in by the user. Further, the application data integrations may allow for more precise data management by the expense management system.

Abstract: There are provided systems and methods for code generation and tracking for automatic data synchronization in a data management system. A user associated with an entity, such as an employee of an organization, may purchase an item utilizing a payment instrument or card provided by the organization. In order to provide proper expense allocation, the organization may require receipt matching and storage per use of the payment instrument. An expense management system may provide digital code generation and output on a corresponding physical or digital receipt so that when the receipt is provided to the expense management system, the codes may be matched to backend data stored by the system. The receipts may be processed by extracting text data from an image of a receipt to determine the codes. The codes may then be used to search a database of codes to match to digital transaction data.

Abstract: There are provided systems and methods for automatic data entry for form data structures using application programming interfaces. An entity, such as company or business, may want to onboard with a service provider that provides services to the entity, such as those associated with business credit, expense management, and the like. When onboarding, data entry to one or more digital form fields and structures may be required. In order to automate form filling based on data from disparate sources, the service provider may provide an external application programming interface (API) that receives API calls and converts and/or formats data for the fields and data structures of the digital form. The data entered to the fields and/or corresponding data structure may be stored in a specific database and tables as data structures retrievable for the digital form. When a referral token is received, the data may be retrieved.

Abstract: The rest pillow comprises an inflated flexible substantially rectangular compartment having top, bottom, front and rear portions and opposite side portions. An inflation port is located in the compartment to selectively inflate or deflate the compartment. A strap is secured by its ends to the sides of the compartment for securing the compartment to the waist of the person using it. A plurality of baffles extend from the front interior of the compartment to the rearward portion thereof to prevent the compartment from becoming substantially distorted when the person using the pillow rests his or her head on the top portion thereof. The method of the rest pillow comprises placing an inflated substantially rectangular flexible compartment on the lap of a sitting person, causing the person to lean forward to rest the person's head and arms on the top of the compartment to bind the compartment between the head and arms, and the lap of the person, and to provide resting support for the person's head and arms.

Abstract: A rest pillow for facilitating rest for a person in a sitting position comprises an inflated flexible substantially rectangular compartment having top, bottom, front and rear portions and opposite side portions. An inflation port is located in the compartment to selectively inflate or deflate the compartment. A strap is secured by its ends to the sides of the compartment for securing the compartment to the waist of the person using it. A plurality of baffles extend from the front interior of the compartment to the rearward portion thereof to prevent the compartment from becoming substantially distorted when the person using the device rests his or her head on the top portion thereof.