Abstract: There are provided systems and methods for dynamic authentication through user information and intent. A user may wish to purchase an item that they view on a merchant marketplace using a computer of mobile phone. The merchant for the merchant marketplace may register the user's intent to purchase the item by receiving the user's actions while browsing the marketplace. The user may further provide user information with the merchant, such as a biometric reading, identifier, or other information. When the user then arrives at a merchant location to purchase the item and complete a transaction using a payment instrument, the merchant may process the user's intent and information to determine how confident the merchant is that the user is entitled to utilize the payment method. Such confidence rating may correspond to whether the merchant believes the transaction is fraudulent or if the user is misrepresenting their identity.

Abstract: Systems and techniques that facilitate computing touchpoint journey recommendations are provided. In various embodiments, an input component can receive a computing context of a client and a computing profile of a client. In various instances, the client can be engaged in a computing touchpoint journey. In various embodiments, a prediction component can predict, via a first machine learning classifier, a negative event likely to occur on the computing touchpoint journey. In various cases, the first machine learning classifier can receive as input the computing context and the computing profile and can generate as output the predicted negative event. In various embodiments, a decision component can recommend in real-time, via a second machine learning classifier, a computing touchpoint to which to transfer the client.

Abstract: A system and method for digitally signing data. A method includes generating, by a first device, at least one first secret share based on a secret key chosen by the first device, wherein the first device is offline with respect to a second device; partially signing data by the first device using the at least one secret share, wherein the data is received from the second device without establishing direct communications between the first device and the second device; and sending the partially signed data from the first device to the second device, wherein the second device generates signed data using the partially signed data, wherein the signed data corresponds to a public key generated based on the at least one first secret share and at least one second secret share generated by the second device.

Abstract: Systems and methods are disclosed herein for a user to use a trusted device to provide sensitive information to an identity provider via QR (Quick Response) code for the identity provider to broker a website login or to collect information for the website. A user may securely transact with the website from unsecured devices by entering sensitive information into the trusted device. The identity provider may generate the QR code for display by the website on an unsecured device. A user running an application from the identity provider on the trusted device may scan the QR code to transmit the QR code to the identity provider. The identity provider may validate the QR code and may receive credential information to authenticate the user or may collect information for the website. Advantageously, the user may perform a safe login to the website from untrusted devices using the trusted device.

Abstract: An example method includes receiving a request for a transaction; associating the request with a user; receiving, from the user, identification information; retrieving, from a database, first stored authentication information associated with the user; retrieving, from a distributed ledger, second stored authentication information associated with the user; and determining that the received authentication information matches the first stored authentication details and the second stored authentication details and, in response, outputting, by the computing system, a proof of authentication to enable the transaction.

Abstract: Methods and systems are presented for providing a framework for facilitating time-sensitive cryptocurrency transactions for users. When a request for processing a time-sensitive cryptocurrency transaction using funds from a cryptocurrency wallet is received from a user, a transaction system first verifies whether the cryptocurrency wallet has a balance to cover the cryptocurrency transaction. The transaction system also verifies the ownership of the cryptocurrency wallet based on an asynchronous method. The user generates verification data without any input from the transaction system, and based on a private key associated with the cryptocurrency wallet, a generator function, and a user-generated value. Without knowing the user-generated value, the transaction system verifies the ownership of the cryptocurrency wallet based on the verification data, and processes the transaction for the user.

Abstract: There are provided systems and methods for establishing digital account usage in digital wallets during cross-platform data processing. A user may engage in a transaction with another user, such as a purchase of goods, services, or other items a merchant using a digital wallet, such as through a software application. An online transaction processor may provide a digital account for payment processing, which may provide financing and installment loan payment services. Where the payment account may not be compatible with the protocols and procedures for use with the digital wallet, a specific identifier may be provisioned, and proxy data may be generated between the transaction processor's system and the digital wallet's system through exchanged calls and data. The identifier may imitate data used by the digital wallet and may also allow for tokenization and processing with token service providers on payment networks.

Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for generating compact tree representations applicable to machine learning. In one embodiment, a system is introduced that can retrieve a decision tree structure to generate a compact tree representation model. The compact tree representation model may come in the form of a matrix design to maintain the relationships expressed by the decision tree structure.

Abstract: A token issuance system receives a first purchase request for at least one of a good or a service from a merchant at a merchant location. The system generates a payment token based on the purchase request such that the payment token is associated with a proximity condition. The system then determines that a location of a user device that is associated with the purchase request satisfies the proximity condition. In response to the determining that the location of the user device that is associated with the purchase request satisfies the proximity condition, the system provides the payment token to the merchant.

Abstract: There are provided systems and methods for scalable service discover and load balancing using direct client connections to servers. A service provider, such as an electronic transaction processor for digital transactions, may provide different computing services to users through client devices, which utilize server instances from server pools and the like to provide the computing services to users. This may include providing servers to handle client requests and process data with users. When client devices connect to the service provider's system, service discovery may be performed to find an available server instance to handle client requests. To provide scalable service discovery, load balancers may, instead of managing client requests through the load balancers, ping server instances from a server pool to identify a network address of an available server. This may be returned to the client device and a direction connection may be made between the device and server.

Abstract: A load balancer receives a sequence of requests for computing service and distributes the requests for computing service to a computing node in an ordered list of computing nodes until the computing node reaches its maximum allowable compute capability. Responsive to an indication that the computing node has reached its maximum allowable compute capability, the load balancer distributes subsequent requests for computing service to another computing node in the ordered list. If the computing node is the last computing node in the ordered list, the load balancer distributes a subsequent request for computing service to a computing node other than one of the computing nodes in the ordered list of computing nodes. If the computing node is not the last computing node in the ordered list, the load balancer distributes a subsequent request for computing service to another computing node in the ordered list of computing nodes.

Abstract: Systems and methods related to point-of-sale devices are disclosed. In an embodiment, a point-of-sale system includes a base stand having a receiving interface that includes first electrical contacts. The POS system may further include a computing device having a user interface, a docking interface comprising second electrical contacts, wherein the docking interface is configured to removably dock the computing device to the receiving interface of the base stand such that the first electrical contacts of the computing device are in contact with the second electrical contacts of the base stand. The computing device may further include a card reader configured to receive and read a card when inserted into the card reader and a scanner configured to scan machine-readable codes. The computing device may be configured to extend or enable various functions of the base stand when the computing device is docked to the base stand.

Abstract: Methods and systems for facilitating a two-way user accounts onboarding and linking across multiple service providers are presented. Upon logging in a user device to a first user account of a first service provider, a first user interface associated with the first service provider is provided on the user device. Through the first user interface, a user of the user device may request creating a second user account with a second service provider. The first service provider may then exchange access tokens and refresh tokens with the second service provider to link the first user account with the second user account. After the linking, the first service provider may configure the first user interface to provide the user access to the second user account without requiring the user to log in to the second user account.

Abstract: There are provided systems and methods for machine learning model verification for assessment pipeline deployment. A service provider may provide AI hosting platforms that allow for clients, customers, and other end users to upload AI models for execution, such as machine learning models. A user may utilize one or more user interfaces to provide model data and files, such as model artifacts, model requirements, and model test data. Thereafter, a model deployer may validate that the AI hosting platform has the required code packages and other model framework requirements for the AI model. The model test data may be used to ensure that the AI model is behaving correctly and providing the correct predictions based on input data and features. If so, the AI model may be deployed in a live production computing environment and used for predictive services.

Abstract: Techniques are disclosed relating to automatically determining image quality for images of documents. In some embodiments, a computer system receives an image of a document captured at a user computing device. Using a neural network, the computer system analyzes the image to determine whether the image satisfies a quality threshold, where the analyzing includes determining whether one or more features in the image used in an authentication process are obscured. The computer system transmits, to the user computing device, a quality result, where the quality result is generated based on an image classification output by the neural network. Automatically determining whether a received image of a document satisfies a quality threshold may advantageously improve the chances of a system being able to complete an authentication process quickly, which in turn may improve user experience while reducing fraudulent activity.

Abstract: Techniques are disclosed relating to the execution of queries in an online manner. For example, in some embodiments, a server system may include a distributed computing system that, in turn, includes a distributed storage system operable to store transaction data associated with a plurality of users, and a distributed computing engine operable to perform distributed processing jobs based on the transaction data. In various embodiments, the server system preemptively creates a compute session on the distributed computing engine, where the compute session provides access to various functionalities of the distributed computing engine. The distributed computing engine may then use these preemptively created compute sessions to execute queries (e.g., for end users of the server system) against the transaction data and return the results dataset to the requesting users in an online manner.

Abstract: Techniques are disclosed relating to methods that include a process, executing on a computer system, receiving a request to access a website, and altering the request to include one or more characteristics of anti-malware scanners. The method further includes the process sending the altered request to the website, and receiving a response to the altered request. The method also includes the process detecting whether the received response utilizes one of a known set of anti-malware cloaking techniques, and providing, based on the detecting, an output indicative of an outcome of the altered request.

Abstract: Latency, response times, and efficiency improvements for data querying are provided herein, particularly in the context of querying large database systems and data tables from disparate data sources. There are provided systems and methods for automatic query and data retrieval optimization through procedural generation of data tables from query patterns. A service provider may utilize different computing services for query processing and data retrieval for different applications and services used by internal and/or external users. Instead of querying large database systems and numerous data tables, pre-aggregated data tables may instead be used and searched by procedurally generating such tables based on precomputation rules and query patterns. Once patterns have been identified in queries, corresponding data may be aggregated from data sources in a pre-aggregated data table. Query optimization rules may then be used to have these data tables queried in place of their original sources.

Abstract: A method for operating a graph database, including receiving, by a computer system, a query to a particular graph database, the query identifying a plurality of vertices of the particular graph database. The method further includes performing, by the computer system, hash operations on two or more of the plurality of vertices to generate respective hash values and dividing, using the respective hash values, the query into a plurality of sub-queries, each corresponding to a subset of the plurality of vertices. The method also includes sending, by the computer system, ones of the plurality of sub-queries to a plurality of database repositories for the particular graph database.

Abstract: A method according to the present disclosure may include receiving, from a user device, an update associated with a document, generating an update log event based on the update, appending metadata to the update log event, the metadata indicative of a property of the update, storing the update log event with at least one other log event to generate a plurality of log events, receiving an indication of a type of compression, labelling metadata of each of the plurality of log events based on the indicated type of compression, and compressing the plurality of log events based on the labels.