Abstract: Techniques are disclosed relating to facilitating secure communication of private user data between different entities for a verification process conducted during an electronic interaction between the user and a verifier entity. In disclosed embodiments, a verification service executing on a server computer system for a verification session for verifying a holder entity on behalf of a verifier entity receives a verification request from a remote computer system. The verification request includes an attestation proof generated from one or more credentials and the verification service communicates with a holder service that manages an identity storage storing credentials for the holder entity. The verification service transmits, to the verifier service, the attestation proof and then receives, from the verifier service based on the proof, verification results that are usable by the verifier to determine whether to process an action requested by the holder prior to requesting verification.

Abstract: Methods and systems for facilitating the purchase of an item on a social networking website are described. Merchants can embed payments in buttons displayed on social networking websites to enable payments at the point of discovery, such as on Pinterest® or Facebook®. As the items associated with the buttons are shared further, the embedded payment capability follows the shared items. For example, a Pinterest® pin has the payment capability embedded within it so as the pin gets re-pinned in the Pinterest® platform, shared on blogs, shared on platforms like Facebook®, or surfaces on Google® Search, the payment capability is also available on those platforms. In some instances, open standards such as oEmbed or Open Graph are used to create the buttons with the payment capability and make creation of the buttons simpler for merchants.

Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for user authentication. In one embodiment, the user authentication occurs using a multi-provider platform. The multi-provider platform enables the use and retrieval of user information from the given provider for the use and assessment of information associated with the user. User information may also be received over a web link communicated at least in part by a risk checkpoint component to a user device, wherein the user information received and that retrieved may be jointly used for determining user authentication.

Abstract: Systems and techniques for providing security data points from an electronic message are presented. A system can determine a first interne protocol (IP) address of a computing device in response to a user of the computing device opening an email sent to an email address corresponding to a particular electronic account of the user, the email comprising an IP address tracking mechanism. The system can also compare the first IP address with one or more second IP addresses corresponding to one or more electronic accesses of the particular electronic account. Furthermore, the system can determine if an account access anomaly exists in regard to the particular electronic account based on a result of the comparing. The system can also implement a security measure impacting an ability of the particular electronic account to conduct one or more transactions in response to the account access anomaly existing for the particular electronic account.

Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for communicating with a unified messaging center using multi-channel messaging with block-based datastore. In one embodiment, a system is introduced that can provide a unified experience and capability for messaging with one or more entities across platforms. The messaging capability includes the ability to provide user interaction using a single architecture with data store in a centralized form. In one embodiment, the data store include the use of blockchain technology wherein each interaction with the user and across platforms is recorded and stored on a crystographed block.

Abstract: A computer system detects a request to process a transaction corresponding to a first user and a first merchant, wherein the first user is associated with a first user account of a plurality of user accounts associated with a transaction platform. In response to detecting the request to process the transaction, the computer system identifies that a second user account of the plurality of user accounts includes a first amount of rewards corresponding to the first merchant. The computer system determines an optimal transaction path for obtaining, from the second user account, at least a portion of the first amount of rewards. In response to determining the optimal transaction path, the computer system utilizes the optimal transaction path to obtain the at least the portion of the first amount of rewards, and processes the transaction by utilizing the at least the portion of the first amount of rewards.

Abstract: A method for offering at least one credit product by at least one credit issuer to a consumer at a point-of-sale between a merchant and the consumer. The method includes the steps of: providing a credit issuer data set including a plurality of data fields to a central database; initiating a transaction between the consumer and the merchant at the point-of-sale; offering, to the consumer at the point-of-sale, the at least one credit product; and presenting, to the consumer at the point-of-sale, at least one data field in the credit issuer data set. The at least one data field presented to the consumer is populated with data directed to the credit product, the credit issuer, or any combination thereof. An apparatus and system are also disclosed.

Abstract: A mempool of a miner of a blockchain system is accessed. The mempool contains at least a first transaction and a second transaction. A determination is made that the first transaction and the second transaction are related to each other. In response to the determination, the first transaction and the second transaction are linked. The linking of the first and second transactions comprises aggregating data associated with the first transaction and the second transaction into an aggregated data set. The aggregated data set is written into a single block of the blockchain system.

Abstract: Systems, methods, and computer program products for identifying a fraudulent device. A device analytics engine receives device data from a computing device, the device data including parameters associated with the computing device. The device analytics engine selects a set of rules in a plurality of rules that indicate at least one parameter in the plurality of parameters in the device data for determining a device identifier. The set of rules are evaluated in an order until the device identifier is determined from the at least one parameter indicated in the set of rules, the device data, and previously stored data from multiple computing devices. A score is generated for the computing device using one or more of the device identifier, device data, a set of rules, and previously receive device data that corresponds to the device identifier. A computing device is identified as a fraudulent computing device based on the score.

Abstract: Systems and methods for facilitating a purchase are described. A user logs in to a payment service provider site. The user provides authorization to use a one-page checkout service. The user's information is captured during the session, and a cookie is placed on the user's device. When the user goes on a merchant website and checks out using the payment service provider, the payment service provider detects the cookie on the user device. The payment service provider uses the cookie, and in one embodiment, centrally stored information, to populate the one-page checkout page with the last used payment. In various embodiments, the one-page checkout page also displays a shipping address.

Abstract: Techniques are disclosed relating to processing of time-restricted data records. In various embodiments, a computing system receives a request to store a record that includes a timestamp identifying a time to live (TTL) for the record in a database, with the database being organized in a layered data structure. The computing system stores the record in the database in a particular location in the layered data structure, with the particular location being selected based on the TTL timestamp for the record. The timestamp may be used by a compaction process to indicate that the record TTL has expired and the data record may be written to a message queue by an eviction process.

Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for obtaining real-time estimates. In one embodiment, a novel customizable, transferable system architecture is presented that enables the characterization of a task, designated for time estimate, into steps or processes. The characterization may occur using the novel architecture which introduces an estimates service module that can provide an initial timing estimate by obtaining a composite time estimate of all steps. Timing of each of the steps can be predicted using a job scheduling enterprise designed to model the job or step. In another embodiment, delays are captured by time estimate monitors which can provide the alerts and delta time differences. Such alerts and time differences can be updated and presented to the user.

Abstract: An indication is received that a first online platform has undergone/is undergoing a first electronic attack made by one or more actors engaged in online malicious actions with the first online platform. Responsive to the indication of the first electronic attack, one or more vulnerability characteristics of the first online platform are determined, where the vulnerability characteristics are associated with the first electronic attack. A plurality of other online platforms are analyzed to identify a second online platform that shares at least one of the vulnerability characteristics with the first online platform. Based on the determining and/or the analyzing, the second online platform is predicted to be a potential target for a second electronic attack having an attack vector in common with the first electronic attack that corresponds to the shared vulnerability characteristics. An action is performed to mitigate potential damage of the second electronic attack.

Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for tokenizing offers. The current disclosure presents a system and method that can present a tokenized offer for saving and retrieving from a digital wallet. The tokenized offer may be presented on a client site for selection by a user interested in taking advantage of the promotion without having to leave the current site. The current disclosure also presents a system that can retrieve the tokenized offer saved for use with a purchase. The tokenized offer may be automatically applied and on display at the merchant site and/or retrieved from the digital wallet.

Abstract: One or more Bluetooth® low energy (BLE) beacons in communication with a remote server that provides check in capabilities and payment capabilities may be installed at a location. The BLE beacons may connect with a user's mobile device when the user enters the location and allow the user to check in to the location and authorize payments to be made at the location. Once the user is checked in to the location, the user may be provided with additional functionality, benefits, offers, and applications related to the location and facilitated by the check in. Further, the user may be pre-checked in into a next location when the user is at a current location.

Abstract: Software architectures relating to machine learning (e.g., relating to classifying sequential text data. Unlabeled sequential text data may be produced by a variety of sources such as text messages, email messages, message chats, social media applications, and web pages. Classifying such data may be difficult due to the freeform and unlabeled nature of text data from these sources. Thus, techniques for training a machine learning algorithm to classify unlabeled text data in freeform format. Training is based on generation of labelling functions from lexical databases, applying the labelling functions to unlabeled text data in an unsupervised manner, and generating trained classifiers that accurately classify the unlabeled text data. The trained classifiers may then be implemented classify text data accessed from the variety of sources. The present techniques provide high-quality and efficient labeling of unlabeled text data in freeform formats.

Abstract: Techniques are disclosed relating to implementing a machine learning approach to cross-language translation and search. In certain embodiments, a method may include receiving a plurality of characters of a first language that are unsegmented and grouping the plurality of character into multiple groups. The method also includes determining a set of word tokens based on one or more transliterations of the multiple groups and one or more translations of the multiple groups to a second language. Further, the method includes generating one or more word token solution sets by querying an index file using the one or more word tokens. The method also includes determining whether the index file references an entity name corresponding to the plurality of characters of the first language based on comparing the one or more token solution sets with the index file.

Abstract: A payment button on a device, such as a mobile phone, allows the user to remain on the window or page from which an item was selected for purchase. When the user is ready to purchases, the button is selected, and the user simply enters an identifier, such as a password or PIN, and the transaction is processed. The button remains on the same screen and changes during different stages of the payment process.

Abstract: Systems and methods are disclosed to provide an animated 2D barcode check that is used to securely and efficiently transmit financial information between mobile devices. The financial information includes a check written by a payer and transmitted to a merchant. The check includes account information of the payer and of the merchant with a payment service provider, a payment amount, and a cryptographic signature that has been certified by the payment service provider. The payer's mobile device encodes the check into a sequence of 2D barcodes and displays the sequence of 2D barcodes in a loop that is scanned by a camera on the merchant's mobile device. The merchant uses the cryptographic signature to verify the validity of the signature on the check without having Internet connectivity to the payment service provider. The merchant may later present the check to the payment service provider to receive payment.

Abstract: There are provided systems and methods for load balancing for map application route selection and output. A user may utilize a device application to map or route between two or more endpoints, such as geo-locations entered or detected by the device. During calculation of a travel route between the endpoints, real-time data, user preferences, and requesting entities may provide criteria data that may cause determination of a particular travel route, where the travel route may be longer than a most efficient route but within a pre-defined variable time or distance allotment and match the criteria data. Use of the route may accrue a form of compensation for the user. The user may view an application interface displaying the route, which may further include one or more executable processes to cause recalculation of the route. Recalculation of the route may require the user to provide credits or compensation.