Abstract: Methods, apparatuses, and systems are described for artificial-intelligence based techniques for programmatically generating and integrating application programming interfaces (APIs). An example method may include, in response to receiving by one or more processors, an integration data object, processing, by the one or more processors, based at least in part on an integration machine learning model, the integration data object in order to identify one or more integration features associated with the integration data object; programmatically generating, by the one or more processors, based at least in part on the one or more integration features, an application programming interface (API) model corresponding with the integration data object; and generating, by the one or more processors, an API generation data object corresponding with the API model for execution.

Abstract: Methods, apparatuses, and systems are described for dynamically navigating interactive communication systems. An example method may comprise: receiving, from a user device, sound waves or audio information, the sound waves or audio information indicative of a request to initiate an interactive communication session with a communication system of a biller or merchant; interpreting, based on the sound waves or audio information, an intent of the communication session and an identity of the biller or merchant; retrieving a predetermined interaction coding associated with the biller or merchant; and initiating the interactive communication session with the communication system of the biller or merchant based on the predetermined interaction coding.

Abstract: A method, apparatus and computer program product are disclosed to provide for the selective establishment and use of secure communication channels to facilitate the exchange of data objects containing potentially sensitive information in a network environment. In some example implementations, upon detection that the processing of a network entity request implicates the exchange of non-public information amongst one or more other network entities, one or more secure communication channels are established between a secure transfer system and the relevant network entities such that non-public information neither passes to nor resides on system components associated with non-secure network entities.

Abstract: Described are systems, apparatuses, methods, and computer program products for low-input initiation of user account-affiliated transactions. An example apparatus can comprise a processor and a memory storing program code configured to cause the apparatus to store payor information, authentication information, and account information associated with a payor; store payee information associated with payees; receive, from a payee device or a payor device, a request to initiate a payment, the request comprising information about a payor and payee as well as a payment amount; determine, based at least upon the information about the payor and payee, and the stored information, whether the payment is to a pre-approved payee or merchant with which payor has a pre-existing account; and, in an instance in which the determination is in the affirmative, initiate the payment by providing at least payor and payee information and payment amount a payment processor.

Abstract: Described are systems, apparatuses, methods, and computer program products for low-input initiation of user account-affiliated transactions. An example apparatus can comprise a processor and a memory storing program code configured to cause the apparatus to store payor information, authentication information, and account information associated with a payor; store payee information associated with payees; receive, from a payee device or a payor device, a request to initiate a payment, the request comprising information about a payor and payee as well as a payment amount; determine, based at least upon the information about the payor and payee, and the stored information, whether the payment is to a pre-approved payee or merchant with which payor has a pre-existing account; and, in an instance in which the determination is in the affirmative, initiate the payment by providing at least payor and payee information and payment amount a payment processor.

Abstract: Described are systems, apparatuses, methods, and computer program products for low-input initiation of user account-affiliated transactions. An example apparatus can comprise a processor and a memory storing program code configured to cause the apparatus to store payor information, authentication information, and account information associated with a payor; store payee information associated with payees; receive, from a payee device or a payor device, a request to initiate a payment, the request comprising information about a payor and payee as well as a payment amount; determine, based at least upon the information about the payor and payee, and the stored information, whether the payment is to a pre-approved payee or merchant with which payor has a pre-existing account; and, in an instance in which the determination is in the affirmative, initiate the payment by providing at least payor and payee information and payment amount a payment processor.

Abstract: Described are systems, apparatuses, methods, and computer program products for low-input initiation of user account-affiliated transactions. An example apparatus can comprise a processor and a memory storing program code configured to cause the apparatus to store payor information, authentication information, and account information associated with a payor; store payee information associated with payees; receive, from a payee device or a payor device, a request to initiate a payment, the request comprising information about a payor and payee as well as a payment amount; determine, based at least upon the information about the payor and payee, and the stored information, whether the payment is to a pre-approved payee or merchant with which payor has a pre-existing account; and, in an instance in which the determination is in the affirmative, initiate the payment by providing at least payor and payee information and payment amount a payment processor.

Abstract: Described are systems and methods for product recommendation refinement in a topic-based virtual storefront embedded in a topical community web page. A system and method may facilitate determining user and community member activity in the virtual storefront based on which weighted keywords are derived. A topic set containing various weighted keywords may be iteratively configured for extracting and ordering one or more products that are extracted from a plurality of heterogeneous sources. A server may be configured for refining the topic set by modifying a baseline session keyword weight or a baseline contextual keyword weight based on a total topic set weight, an elasticity parameter, core topic keyword weights associated with core topic keywords, session keyword weights, and/or contextual keyword weights; and identifying, based at least on the configured topic set, products to be presented to a user as product recommendations in the virtual storefront.

Abstract: Methods, apparatuses, and computer program products are described for aggregating user sessions for conversational exchanges using a virtual assistant. A user device can receive conversational inputs, convert the conversational inputs into textual strings, associate, based upon semantic analysis of different portions of the textual strings, a first network and a second network, and initiate, respectively, a first and second user session with a first response module of the first network and a second response module of the second network. The portions of textual strings can be transmitted to the first and second response modules via, respectively, the first and second user sessions. Once response fragments are received from the first and second response modules, the response fragments can be combined in a semantically suitable order to form a generated response.

Abstract: Methods and Systems for displaying product recommendations at a virtual storefront by receiving product recommendations from a plurality of heterogeneous sources. The source servers send the product recommendations from their end that are then normalized and refined by a recommendation engine based on a plurality of factors ensuring that the products are presentable and sellable on the storefront. The recommendation collation is accomplished using a pipeline of stateless processors, thereby providing a highly scalable platform perfectly suited for cloud-based computational platforms.

Abstract: Methods, apparatuses, and systems are described for dynamically navigating interactive communication systems. An example method may comprise: receiving, from a user device, sound waves or audio information, the sound waves or audio information indicative of a request to initiate an interactive communication session with a communication system of a biller or merchant; interpreting, based on the sound waves or audio information, an intent of the communication session and an identity of the biller or merchant; retrieving a predetermined interaction coding associated with the biller or merchant; and initiating the interactive communication session with the communication system of the biller or merchant based on the predetermined interaction coding.

Abstract: A method, apparatus and computer program product are disclosed to provide for the selective establishment and use of secure communication channels to facilitate the exchange of data objects containing potentially sensitive information in a network environment. In some example implementations, upon detection that the processing of a network entity request implicates the exchange of non-public information amongst one or more other network entities, one or more secure communication channels are established between a secure transfer system and the relevant network entities such that non-public information neither passes to nor resides on system components associated with non-secure network entities.

Abstract: A system and method for creating and accessing a bifurcated digital wallet is described. The method comprises of processor implemented steps of authenticating by an authentication server one or more authentication information sent by a user terminal to the authentication server; extracting a first set of information by the authentication server based on the authentication of the authentication information; extracting a second set of information by one or more second servers based on the authentication of the authentication information; collating the first set of information and second set of information and displaying the collated information at the user terminal for processing a transaction.

Abstract: Described are systems and methods for product recommendation refinement in a topic-based virtual storefront embedded in a topical community web page. A system and method may facilitate determining user and community member activity in the virtual storefront based on which weighted keywords are derived. A topic set containing various weighted keywords may be iteratively configured for extracting and ordering one or more products that are extracted from a plurality of heterogeneous sources. A server may be configured for refining the topic set by modifying a baseline session keyword weight or a baseline contextual keyword weight based on a total topic set weight, an elasticity parameter, core topic keyword weights associated with core topic keywords, session keyword weights, and/or contextual keyword weights; and identifying, based at least on the configured topic set, products to be presented to a user as product recommendations in the virtual storefront.

Abstract: Methods, apparatus, and computer program products directed to the multi-mode delivery of documents are provided. Example embodiments implement the transformation and delivery of data objects for use in connection with parallel delivery topologies and pathways to overcome technical challenges associated with the accuracy, reliability, scalability, and efficiency of conventional document delivery approaches.

Abstract: Methods and Systems for displaying product recommendations at a virtual storefront by receiving product recommendations from a plurality of heterogeneous sources. The source servers send the product recommendations from their end that are then normalized and refined by a recommendation engine based on a plurality of factors ensuring that the products are presentable and sellable on the storefront. The recommendation collation is accomplished using a pipeline of stateless processors, thereby providing a highly scalable platform perfectly suited for cloud-based computational platforms.

Abstract: Systems and methods for product recommendation refinement in a topic-based virtual storefront embedded in a topical community web page. The systems and methods facilitate continuous monitoring of user activity and community member activity in the topic-based virtual storefront based on which one or more weighted keywords are derived. A topic set containing various weighted keywords is iteratively configured for extracting and ordering one or more products that are extracted from a plurality of heterogeneous sources.

Abstract: Methods and Systems for displaying product recommendations at a virtual storefront by receiving product recommendations from a plurality of heterogeneous sources. The source servers send the product recommendations from their end that are then normalized and refined by a recommendation engine based on a plurality of factors ensuring that the products are presentable and sellable on the storefront. The recommendation collation is accomplished using a pipeline of stateless processors, thereby providing a highly scalable platform perfectly suited for cloud-based computational platforms.

Abstract: A method, apparatus and computer program product are disclosed to provide for the selective establishment and use of secure communication channels to facilitate the exchange of data objects containing potentially sensitive information in a network environment. In some example implementations, upon detection that the processing of a network entity request implicates the exchange of non-public information amongst one or more other network entities, one or more secure communication channels are established between a secure transfer system and the relevant network entities such that non-public information neither passes to nor resides on system components associated with non-secure network entities.

Abstract: Methods, apparatus, and computer program products directed to the multi-mode delivery of documents are provided. Example embodiments implement the transformation and delivery of data objects for use in connection with parallel delivery topologies and pathways to overcome technical challenges associated with the accuracy, reliability, scalability, and efficiency of conventional document delivery approaches.