Abstract: A method for facilitating transactions by tenants in a multi-tenant architecture system is discussed. The method includes generating, with a multi-tenant computer system, a first representation of an entity in a first hierarchical data structure associated with an entity interface tenant of the multi-tenant computer system. The method includes receiving, with the multi-tenant computer system, a set of entity-specific policies useable to generate requests to individual ones of a plurality of transaction processing computer systems. The method includes generating, with the multi-tenant computer system, a second representation of the entity in a second hierarchical data structure associated with a particular transaction processing service tenant of a plurality of transaction processing service tenants of the multi-tenant computer system.

Abstract: Techniques are disclosed relating to improving machine learning classification using both labeled and unlabeled data, including electronic transactions. A computing system may train a machine learning module using a first set of transactions (of any classifiable data) with label information that indicates designated classifications for those transactions and a second set of transactions without label information. This can allow for improved classification error rates, particularly when additional labeled data may not be present (e.g., if a transaction was disallowed, it may not be later labeled as fraudulent or not). The training process may include generating first error data based on classification results for the first set of transactions, generating second error data based on reconstruction results for both the first and second sets of transactions, and updating the machine learning module based on the first and second error data.

Abstract: There are provided systems and methods for a physical card having one or more location detection modules A physical payment card may include one or more components to limit card reading of card data stored to the card using a location detection chip. The location detection chip may receive power from a source when inserted to a card reader, and may then determine a location of the card, such as a coordinate location of the card or nearby detected device. The location detection chip may determine if this location or device matches authorized locations stored in a memory of the card. If it does, power may be provided to a card chip of the card. The card chip of the card reads card data from a memory of the card and may then output the card data to the card reader.

Abstract: Methods and systems are presented for retrieving data associated with one or more portions of a graph by a computer system. Multiple graph indices are generated based on the graph. Each of the multiple graph indices stores records of data representing the graph in different formats. Upon receiving a request for accessing a sub-graph of the graph, edge-based attributes of the sub-graph are analyzed. The sub-graph may be divided into a first portion and a second portion of the sub-graph. A first graph index may be selected for retrieving records associated with the first portion of the sub-graph based on the edge-based attributes of the first portion of the sub-graph. A second graph index may be selected for retrieving records associated with the second portion of the sub-graph based on the edge-based attributes of the second portion of the sub-graph.

Abstract: Methods and systems are presented for providing comprehensive payment transaction services through a digital wallet. The digital wallet enables a user to conduct an electronic transaction with a merchant or another user. In one aspect, the digital wallet may modify a payment arrangement of the electronic transaction. For example, the digital wallet may determine a first payment arrangement that specifies one or more financial instruments and a payment deferral time period for the electronic transaction. Subsequent to processing the electronic transaction, the digital wallet may determine a different, second payment arrangement for the electronic transaction. The digital wallet may modify the electronic transaction based on the second payment arrangement without canceling the electronic transaction. In another aspect, the digital wallet may manage rewards by dynamically withholding rewards, releasing the rewards, and/or distributing at least portions of the rewards to different users.

Abstract: There are provided systems and methods for a carbon neutral blockchain protocol for resolving carbon offsetter payments for cryptocurrency transactions. A service provider, such as an online transaction processor, may provide a green wallet and network protocol that provides carbon offsetting fees and payments to carbon offsetters in order to account for carbon emissions and usage when processing cryptocurrency transactions on a blockchain network protocol. A green wallet may be provided, which allows registration of carbon offsetters and use of green addresses to cause cryptocurrency to be processed in a green transaction. A user's digital wallet may sign an initial cryptocurrency transaction and provide the fee to the green wallet. The green wallet may then resolve the cryptocurrency transaction by further signing the transaction and transmitting the fee to a digital wallet of the carbon offsetter over another cryptocurrency processing network.

Abstract: There are provided systems and methods for a rapid online variable sourcing infrastructure for decision system. Specifically, endpoints may be injected into domain servers serving as a template for sourcing new data variables. When new variables are involved, a first endpoint is injected for registering variables exposed to the domain server, and a second endpoint may be injected to fetch data values at run time, e.g., during the actual decision computation. In this way, data pipeline latency can be avoided during the sourcing process, as the data variables can be sourced from domain servers at run time.

Abstract: An on-line savings page for managing a savings account includes a list of items the user is saving for, where each item has a specified priority. A savings rate for each item is determined by the savings account based on the priority and total savings rate. The user is notified of any changes in the savings account, such as price changes, inventory changes, etc., as well as relevant information related to the item, such as sales, offers, recalls, etc.

Abstract: There are provided systems and methods for automatic synchronization of a device for transaction processing based on geo-fenced locations. A merchant may geo-fence an area corresponding to the merchant's location where a user may visit to purchase an item. The merchant may provide multiple transaction processing and payment options at the merchant location, including payment applications with a mobile communication device. A payment provider may detect the location of the user and determine that the user's location matches the merchant's location through the geo-fenced area for the merchant. The payment provider may then configure a payment process for the user to utilize at the merchant location using payment mechanisms accepted at the merchant location. Where multiple merchants are located nearby, the payment provider may utilize additional known information for the user to select the most likely merchant for the user.

Abstract: Systems and methods for use with a service provider and a consumer electronic device include a trusted remote attestation agent (TRAA) configured to perform a set of checking procedures or mechanisms to help ensure the security status of a consumer electronic device (e.g., a mobile terminal or phone) that holds financial instruments. The checking procedures may include: self-verifying integrity by the TRAA; checking for presence of a provisioning SIM card (one that was present when the financial instruments were enabled on the device); checking that a communication connection between the consumer electronic device and the service provider is available and active; and checking that communication connectivity to a home mobile network is available and active. The frequency of the checking mechanisms may be adjusted, for example, according to a risk-profile of a user associated with the device or the location (e.g., GPS location) of the device.

Abstract: A method of enhancing user interaction with content displayed on a display of a touch screen device is provided. The method includes displaying at least one enhanced cursor within a viewable area of the display, the at least one enhanced cursor having a predefined action associated therewith, and receiving a selection of the at least one enhanced cursor. The method also includes detecting movement of the selected at least one enhance cursor onto displayed content, and executing the predefined action on the content. The method may further include detecting a subject matter of content being displayed on a display of a device coupled to the processor. Furthermore, a non-transitory computer-readable medium storing instructions for execution by a processor that cause the processor to perform the provided method may also be provided.

Abstract: There are provided systems and methods for a secure identity verification marketplace using hashed data and forward hashing search functions. A service provider, such as an electronic transaction processor or other entity that may provide an online platform, may provide an online marketplace accessible by identity verification data bureaus, as well as entities requiring identity verification or other entities. The bureaus may utilize an SDK provided by the service provider to has their identity data and upload to the marketplace with metadata explaining the underlying identity verification data. This may be done so the underlying data is not revealed to the service provider or other entities without purchase and/or request to the bureau. When an entity searches for the data, a forward hashing function may determine hashes of different variations of the search query, which may be used to locate matching data.

Abstract: Methods and systems for facilitating a digital wallet transaction are described herein. A service provider identifies and recommends the most applicable digital wallets for a user based on various factors, such as user location, type and amount of purchase, type of merchant, and/or mood of the user. The service provider may also rank the recommended digital wallets and/or determine how many should be presented to a user. During merchant checkout, the user is presented with the recommended digital wallets, and the user selects one of the digital wallets to fund the purchase.

Abstract: Systems and methods for recommending merchant actions include a physical merchant location having a plurality of beacon devices. A system provider device receives a plurality of first location information from the plurality of beacon devices that is collected from a customer beacon communication device that is associated with a customer. The system provider device also receives a plurality of second location information over the network from the plurality of beacon devices that is collected from a merchant beacon communication device that is associated with an asset of the merchant. The system provider device analyzes the plurality of first location information and the plurality of second location information to determine at least one merchant action recommendation related to the customer and the asset of the merchant and provides the at least one merchant action recommendation over the network for display on a display device.

Abstract: Embodiments of the present invention relate to systems, methods, processes, computer program code, and means for creating digital wallets for users. In some embodiments, digital wallets are created, at least in part, on information obtained from payment transactions conducted by users.

Abstract: A communication channel merging system detects that a first communication session that is provided via a first communication channel between a first user and a first service provider is concurrent with a second communication session that is provided via a second communication channel between the first user and a second service provider. The system then generates a user score based on information associated with the first and second communication sessions and determines that the user score satisfies a condition that causes the first and second communication sessions to be merged into a merged communication session. The system generates a first channel score for the first communication channel and a second channel score for the second communication channel and determines based on those channel scores that the first communication channel should provide the merged communication session. The system directs the merged communication session to be provided on the first communication channel.

Abstract: Methods and systems for detecting webpages that share malicious content are presented. A first set of webpages that hosts a web account checker is identified. A baseline page structure score and a baseline language score are calculated based on the identified first set of webpages. Content from a second set of webpages is collected and analyzed based on the calculated baseline page structure and the calculated baseline language scores. One or more of the second set of webpages is flagged as malicious based on the analyzing of the content collected from the second set of webpages.

Abstract: Some embodiments of the present disclosure disclose methods and systems for assessing the data risk management capabilities of data processors that receive second-party data as part of an engagement to provide support services. In some embodiments, the transfer of the second-party data to the data processors can be monitored to identify file transfers including unauthorized personally identifiable information (PII) attributes. In some embodiments, the database of the data processor may be scanned to locate any residual second-party data that should be removed after the data processor's engagement to provide the support services have expired.

Abstract: In response to detecting, at the first time period, that the available amount of the first resource on the computing device is below the first threshold level, the computer system switches the computing device to a first low resource mode, wherein the switching the computing device to the first low resource mode includes intercepting a first data intended to be transmitted to the computing device, the first data corresponding to a first set of one or more applications on the computing device. In response to detecting, at a second time period that is after the first time period, that the available amount of the first resource on the computing device meets or exceeds the first threshold level, the computer system switches the computing device back to a normal operating mode.

Abstract: Techniques are disclosed relating to assessing technology activity using image-based machine learning algorithms. A computer system may access a data set that includes a plurality of parameters (e.g., technologies) for an item (e.g., a web-based interface). The plurality of parameters may correspond to a plurality of time intervals. The computer system may generate a two-dimensional graphical representation of the data set. A first dimension of the graphical representation may be indicative of values of the plurality of parameters at different time intervals and a second dimension of the graphical representation may be indicative of a time period that includes the plurality of time intervals. At least one characteristic of the data set may be determined by inputting the graphical representation of the data set to a trained machine learning module. The trained machine learning module may implement an image-based learning algorithm.