Abstract: Methods and systems are presented for providing a framework for facilitating electronic transactions by dynamically managing and sharing user data with multiple online platforms. As a user accesses one or more online platforms, a connect system that is integrated with the online platforms interacts with the user and obtain, from the user, user data that is usable for completing transactions between the user and the online platforms. The user data is stored in a user profile associated with the user and linked to an identifier of the user. When the user subsequently accesses an online platform, the connect system authenticates the user based on an identifier associated with the user, and share at least a portion of the user data stored in the user profile with the online platform to facilitate a transaction between the user and the online platform.

Abstract: Computing system defenses to rotating IP addresses by malicious entities during computing attacks are disclosed. An online entity may utilize a framework having computing operations for detecting and protecting from computing attacks using IP address rotation through multiple IP addresses to hide the malicious conduct. The threat detection system and framework may perform processes that indicate whether IP addresses are correlated and being used in the same computing operations, which may be malicious or fraudulent. If correlated, the framework may further determine that the IP addresses are being used to perpetrate the same or similar computing attack from a malicious actor. The framework may the execute one or more processes to protect from the computing attack that uses the rotation of IP addresses, including IP address blocking, manual challenges, and changing status code identifiers for webpage access requests.

Abstract: A payment button on a device capable of making telephone calls, such as a mobile phone, allows a payer to electronically transfer money while in a phone call with a payee. The payment button also allows a payee to initiate an electronic payment transaction while in a phone call with a payer. The payment button may be a clickable or tappable virtual button presented on a display of the phone when being used to make or receive a call. The payer or the payee can simply enter a payment amount on the phone to complete an electronic payment transaction. A notification of payment is instantly transmitted to the phones being used for the phone call, so that the parties can safely and conveniently conclude a purchase and/or payment transaction during one phone call.

Abstract: Methods and systems for using dispersed cached data stored in multiple database nodes for serving database access requests are described herein. Upon receiving a request for data from a requesting device, a first application server determines whether the requested data is stored in a local cache memory. If it is determined that the requested data is not stored in the local cache memory, without accessing a local, first database, the first application server determines that the requested data is stored in a cache memory of a second application server, wherein the second application server stores at least a portion of the data from a second database in its cache memory. The first application server retrieves the requested data from the cache memory of the second application server and provides the retrieved data to the requesting device.

Abstract: Methods, systems, and computer program products for providing attribute-based card combinations for digital wallets are disclosed. A computer-implemented method may include associating a first asset with a digital wallet, associating a second asset with the digital wallet, receiving a request to determine a relationship between the first asset and the second asset in the digital wallet, determining the relationship between the first asset and the second asset in the digital wallet, creating the relationship between the first asset and the second asset in the digital wallet, notifying a user of the digital wallet about how a change to the first asset in the digital wallet is to affect the second asset in the digital wallet based on the relationship between the assets, and performing a transaction involving the digital wallet based on the relationship between the first asset and the second asset in the digital wallet.

Abstract: There are provided systems and methods for extracting webpage features using coded data packages for page heuristics. A service provider server may provide website agnostic tools that account for differences in webpage layouts. This may be done using coded data packages designed to consider webpage heuristics of different webpages. These data packages include entries that have a term, a weight, and an optional scope for searching or filtering webpage elements in webpage document code for webpages. Using multiple entries in a data package, a decision may be returned of whether a webpage includes a certain feature, data, or element, as well as data for the element. The identified feature may be used for data extraction and/or determination, which may allow one or more applications and/or browser extensions to provide services across multiple different websites without specifically formulating the data packages for certain website styles.

Abstract: A plurality of user segments is defined. Each user segment has a respective profile corresponding to one or more characteristics shared by one or more users. A plurality of elements of a user interface for a mobile application is defined. Each user segment is associated with a different subset of the elements. A first request is received to display the user interface on a first mobile device of a first user. In response to the first request, user data of the first user is analyzed. Based on the analysis, a first user segment to which the first user belongs is determined. The mobile application is then instructed to display the user interface according to a first customized layout on the first mobile device. The first customized layout includes a first subset of elements associated with the first user segment.

Abstract: There are provided systems and methods for software development kits for point-of-sale device and mobile device interactive frameworks. A service provider, such as a payment provider, that offers online and cloud based digital wallet services may configure flexible software frameworks for a merchant's point-of-sale device and a user's mobile device. A framework for a merchant's device may allow for user check-in with the merchant, and may utilize multiple different communication protocols to receive tenders and non-tenders from the user's mobile device. Thus, the user's mobile device may communicate with the merchant device to provide tokens that may be resolved by the merchant using the payment provider and/or a payment host to receive payment processing confirmation. Moreover, the frameworks may allow for a transaction to be synchronized to the user's mobile device so that the user may receive updates after processing of the tokens.

Abstract: Methods and systems are presented for assisting a user to identify and evaluate features for use in a machine learning model configured to perform a task. Based on graph data associated with a graph data structure, a user interface is provided on a device. Based on user inputs received via the user interface, a feature candidate for the machine learning model is determined. The feature candidate is associated with a particular way of traversing the graph data structure to obtain attribute values associated with one or more vertices and/or one or more edges in the graph data structure. Based on the attribute values, a value corresponding to the feature candidate can be calculated. The value can be used to evaluate the effectiveness of the feature candidate in performing the task. The feature candidate can then be incorporated into the machine learning model as one of the input features.

Abstract: Systems and methods for using tokenization are provided. In an embodiment, a first computer system receives a notification from a second computer system that user information has changed for a first user account serviced by the second computer system. The notification includes a token corresponding to a second user account serviced by the first computer system. The first user account and the second user account belong to a user. The first computer system searches for the second user account, based on the token, in a database associated with the first computer system. The first computer system updates the second user account to include the user information change and publishes the user information change to other computer systems that subscribe to updates from the first computer system. The published user information change causes the other computer systems to update corresponding user accounts to include the published user information change.

Abstract: A system performs operations that include receiving, via first computing environment, a request to process text data using a first natural language processing (NLP) model. The operations further include accessing configuration data associated with the NLP model, where the configuration data generated using a domain specific language that supports a plurality of preprocessing modules in a plurality of programming languages. The operations also include selecting, based on the configuration data, one or more preprocessing modules of the plurality of preprocessing modules, generating, based on the configuration data, a preprocessing pipeline using the one or more preprocessing modules, and generating preprocessed text data by inputting the text data into the preprocessing pipeline. The preprocessed text data is provided to the first NLP model.

Abstract: There are provided systems and methods for dynamic data query routing for managing access to datasets having multiple versions. A service provider, such as an electronic transaction processor for digital transactions, may provide data for different applications including local device-side software applications and web-based or server-side applications. The data may be read and provided within the application, for example, for output or processing, as well as operated on in the applications to update, add to, or delete from corresponding records. When retrieving or loading data, a data quantum may be used in a data mesh to abstract database physical locations and utilize logical names that allow for applications to code and query for data without direct entanglement with databases and corresponding stored datasets for the data. A router may then be used to route requests and queries for the data to optimized databases for the data.

Abstract: There are provided systems and methods for detecting malicious email addresses using email metadata indicators. Digital accounts may be attacked by malicious computing processes or other actions that attempt to compromise the security of accounts and/or perform account takeovers. To increase security of the accounts and account data, the service provider may interface with a digital address and/or identifier provider, such as an email provider to request metadata indications of addresses. The metadata indicator may include a score associated with whether the address is compromised or being used for fraudulent purposes. This score may be based on usages of the address over a period of time, connections of the address, and other activities. The indicator may be used to determine whether to allow data changes to the account's data.

Abstract: There are provided systems and methods for utilizing a vehicle to determine an identity of a user. A user may establish a vehicle as associated with the user, such as a vehicle owned by the user or used by the user. The vehicle may include a vehicle device that may be configured to establish connections with other devices using short range and network communications. In various embodiments, the other devices may be devices at merchant locations. Thus, a merchant at the merchant location may be informed about settings, preferences, and/or parameters for use of the vehicle established by the user. The merchant may receive these parameters even if another user is utilizing the vehicle, thus, establishing rules for use of the vehicle by the other user. In other embodiments, the other devices may be devices in other vehicles, allowing the users to communicate and set waypoints during trips.

Abstract: A system, a medium, and a method are provided to send compensation data to devices at one or more locations where the data is retrievable. For example, a communication interface of a server device accesses request data, where the request data includes an indication of one or more locations where a compensation amount is retrievable. A compensation data component generates compensation data based on the indication of the one or more locations where the compensation amount is retrievable. A location component determines a location of a client device that corresponds to the one or more locations. A transceiver transmits the compensation data to the client device based on the determined location of the client device that corresponds to the one or more locations.

Abstract: There are provided systems and methods for configurable storage resource usage through a multi-phase data processing pipeline for data storage efficiency. A service provider may provide online digital computing services, such as electronic transaction processing, account, and the like through online platforms and digital content that may be loaded and served on webpages and through applications of the service provider. The service provider may process and serve data, which may be stored in various data storages and databases of the service provider. The service provider may configure and optimize storage resource usage by processing data through a multi-phased processing pipeline that analyzes the data for reductions in data storage size, duplications, and/or storage times to convert data into a more efficient structure. This may include converting the data to smaller data pieces, deduplicating the same or similar data, or limiting storage in resource intensive data stores.

Abstract: Methods and systems are presented for extracting categorizable information from an image using a graph that models data within the image. Upon receiving an image, a data extraction system identifies characters in the image. The data extraction system then generates bounding boxes that enclose adjacent characters that are related to each other in the image. The data extraction system also creates connections between the bounding boxes based on locations of the bounding boxes. A graph is generated based on the bounding boxes and the connections such that the graph can accurately represent the data in the image. The graph is provided to a graph neural network that is configured to analyze the graph and produce an output. The data extraction system may categorize the data in the image based on the output.

Abstract: A method of categorizing text entries on a document can include determining, for each of a plurality of text bounding boxes in the document, respective text, respective coordinates, and respective input embeddings. The method may further include defining a graph of the plurality of bounding boxes, the graph comprising a plurality of connections among the plurality of bounding boxes, each connection comprising a first and second bounding box and zero or more respective intermediate bounding boxes. The method may further include determining a respective attention value for each connection according to a quantity of intermediate bounding boxes in the connection and, based on a the respective attention values and a transformer-based machine learning model applied to the respective input embeddings and respective coordinates, determining output embeddings for each bounding box and, based on the respective output embeddings, generating a bounding box label for each bounding box.

Abstract: A bank account can be authenticated or confirmed by a user providing an account number and a debit card number. The payment provider then obtains user account information from the bank through a debit card network. The payment provider authenticates the account if the account numbers match. In another embodiment, authentication further requires a portion of a current bank balance in the account provided by the user to match the current balance received from the bank.

Abstract: Techniques are disclosed relating to speculatively processing transactions. A transaction processing system may receive an indication of a trigger event associated with an electronic transaction not yet initiated by a client computing device. In some embodiments, in response to the indication of the trigger event and prior to receiving an indication of the electronic transaction being initiated, the computer system begins speculative processing of the electronic transaction. In some embodiments, the speculative processing includes identifying the client computing device based on device authentication information received from the client device, determining a user account based on the identifier client computing device, retrieving account information for the determined account, and storing the retrieved account information.