Abstract: There are provided systems and methods for edge computing storage nodes based on location and activities for user data separate from cloud computing environments. A service provider, such as an online transaction processor, may provide additional services for to users via edge computing systems and edge computing storage nodes. The service may be for data that may be predictively loaded to the edge computing storage node for a particular location, where the edge computing storage node may reside more locally to the location on a network so that data may be served quicker and with less network resource consumption than providing data from a remote cloud computing storage. The data may be predicted to be needed or useful to the user at the location using a user profile for the user, monitored user activities, and/or one or more machine learning models that predict user behaviors at the location.

Abstract: Mechanisms for efficiently transferring multiple unspent transaction output (UTXO) tokens in a blockchain network operating a UTXO-based token transaction model are disclosed herein. These methods allow for the use of less computer processing and network bandwidth resources in the transfer of blockchain items, particularly in blockchain schemes with lineage tracking mechanisms (e.g. as may allow for clawback of tokens). Some embodiments comprise generating a delegated account and transferring the UTXO tokens into the delegated account. The ownership of the delegated account can then be transferred to another use of the blockchain network in a single transaction, thereby avoiding the need to individually transfer the UTXO tokens and incur the memory and computational resource burden and costs associated with therewith.

Abstract: There are provided systems and methods for digital image filtering and post-capture processing using user specific data. A computing device may include a camera that records media of a scene, including images or videos. A user may utilize the computing device to add filters, graphical overlays, or other effects to the recorded media, which may alter pixel data for pixels of the media or blend graphics into the media. When adding image effects to images, the device or a service provider that offers and image hosting and/or sharing platform may determine recommendations for particular image effects to use when recording and processing the image. The recommended effects may be based on effects used in past media, as well as user information, and may change an appearance of the output media in a particular way specific to the user, media, and/or scene.

Abstract: Systems and methods for providing customer navigation include a system provider device that may receive a query for directions to a first merchant physical location. Responsive to receiving the query, the system provider device determines a first travel time to the first merchant physical location and a second travel time to a second merchant physical location. The system provider device further determines a first wait time at the first merchant physical location and a second wait time at the second merchant physical location. Additionally, the system provider device determines that a first total time using the first travel time and the first wait time is shorter than a second total time using the second travel time and the second wait time. Based on determining that the first total time is shorter than the second total time, the system provider device may provide navigation to the first merchant physical location.

Abstract: There are provided systems and methods for an artificial intelligence (AI) orchestration layer to facilitate migrations between different AI platforms. A service provider may provide AI portability functions through an orchestration layer that connects different AI services and platforms. The orchestration layer may be used to monitor user interactions with a first AI platform that request AI predictive services and outputs. Using these monitored interactions, the service provider may build and train a simulated AI model that attempts to mirror or replicate the AI model trained for the user on the first AI platform. Thereafter, when the user begins use of a second AI platform that includes the same or similar functionalities to the first AI platform, the service provider may utilize the orchestration layer to assist in training an AI model on the second AI platform based on the previously trained AI model on the first AI platform.

Abstract: Methods and systems are presented for generating a machine learning model using enhanced gradient boosting techniques. The machine learning model is configured to receive inputs corresponding to a set of features and to produce an output based on the inputs. The machine learning model includes multiple layers, wherein each layer includes multiple models. To generate the machine learning model, multiple models are built and trained in parallel for each layer of the machine learning model. The multiple models use different subsets of features to produce corresponding output values. After a layer in built and trained, a collective error may be determined for the layer based on the output values from the different models in the layer. An additional layer of models may be added to the machine learning model to reduce the collective error of a previous layer.

Abstract: Techniques are disclosed relating to monitoring network traffic of an embeddable browser displayed by an application executing on a mobile computing device. In some embodiments, a first layer of the application manipulates one or more user interface elements displayed in the embeddable browser. The first layer of the application then detects network requests made by one or more application programming interfaces (APIs) executed by the embeddable browser in response to the manipulating. In some embodiments, the first layer sends to a second layer of the application results of observing network requests. In some embodiments, the second layer of the application displays, in real-time, information corresponding to the results of observing network requests.

Abstract: There are provided systems and methods for a fallback artificial intelligence (AI) system for redundancy during system failover. A service provider may provide AI systems for automated decision-making, such as for risk analysis, marketing, and the like. An AI system may operate in a production computing environment in order to provide AI decision-making based on input data, for example, by providing an output decision. In order to provide redundancy to the production AI system, the service provider may train a fallback AI system using the input/output data pairs from the production AI system. This may utilize a deep neural network and a continual learning trainer. Thereafter, when a failover condition is detected for the production AI system, the service provider may switch from the production AI system to the fallback AI system, which may provide decision-making operations during failure of within the production computing environment.

Abstract: A first mobile device is provided. The first mobile device includes at least one hardware processor and a first mobile device application, executed by the at least one hardware processor. The first mobile device application is configured to detect that the first mobile device is in physical contact with, or within a predetermined distance of, a second mobile device. The first mobile device is also configured to, in response to the detection, send a switch request to make a mobile phone line inactive for the first mobile device and active for the second mobile device.

Abstract: Systems and methods are disclosed which may provide modules that may be displayed in the context of a website that allow for autoscrolling between the modules upon entering required information in the modules or completing actions required by the modules. The modules may be modules for paying for items via PayPal and may include modules for entering payment information, billing information, a shipping address, creating an account, and accepting terms and conditions. The modules may be displayed within the context of the webpage when selecting a pay with PayPal link without navigating away from the webpage. As a user enters information into a module, the module will automatically scroll to the next module if the module permits automatic scrolling.

Abstract: Systems and methods for using QR codes to track, monitor, and consolidate transactions are disclosed. In one embodiment, a system may receive a request from a first device to generate a first QR code associated with a first account. The system may generate the first QR code and send the first QR code to the first device. The system may receive a request from the first device to share a QR code with a second device. The system may update associated data to indicate a sharing of a QR code with the second device. The system may generate a second QR code associated with a second account of the second device and linked to the first account, so that use of the second QR code can be tracked and monitored. The system may send the second QR code to the second device.

Abstract: Systems and methods for data communication using audio patterns are described. The methods include encoding a message into an audio pattern, mixing the audio pattern with an audio content to obtain a mixed audio content, wherein the audio pattern is inaudible in the mixed audio content, and transmitting the mixed audio content.

Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for performing financial transactions. In one embodiment, a system is introduced that enables a communication between a user and a wireless personal assistant. The communication occurs through the use of a vocal command which is recognized and authenticated by the wireless personal assistant for the request and transfer of a monetary amount between a user and a contact. The communication occurs using a financial institution associated with the user and linked with the wireless personal assistant for the manipulation of funds from the user account.

Abstract: Systems and methods for data visualization are disclosed. An example method includes: obtaining, via a user device, first user biometric data from a user; comparing the first user biometric data with first stored user biometric data. The first stored user biometric data are stored in a hardware secure element of the user device. The method further includes: determining that the first user biometric data matches the first stored user biometric data; and in response to the determining, transmitting a payment token to a merchant device. The payment token is configured to enable a payment to be made from a payment account associated with the user to a merchant associated with the merchant device.

Abstract: Systems and methods for providing a payment authorization system include a payment authorization device that receives, through communication over a network with at least one of a user device and a payment provider device, a request to authenticate a merchant virtual storefront. The request may be received in association with a merchant virtual storefront transaction request. The payment authorization device also retrieves identifying information associated with the merchant virtual storefront. Additionally, the payment authorization device may retrieve, from a database located in a non-transitory memory, baseline identifying information for comparison to the retrieved identifying information. The payment authorization device determines an authenticity of the merchant virtual storefront based on the retrieved identifying information and subsequently authorizes the merchant virtual storefront transaction request.

Abstract: A web browser plugin or other software can be used to integrate visualization of analytical and/or debugging information related to a web page that is being viewed. Particular elements on the web page that are instrumented for tracking can be visually augmented, allowing a developer to see where and how certain aspects of web page functionality are being tracked and/or implemented. Certain information relating to the web page may be surfaced via a graphical area that is displayed concurrently with the web page, e.g., within the web browser that is being used to view the web page. The graphical area can also include selectable elements that can be used to launch additional queries into back-end services related to the web page. The present techniques allow for not only better and more convenient visualization of web page related data, but can speed up development time, reducing both computing and developer resources.

Abstract: Techniques are disclosed relating to a method that includes accessing, by a failure management program, a failure log that includes a plurality of character strings corresponding to errors that are associated with execution of one or more batch processes. The failure management program may compare a particular character string of the plurality of character strings to a set of character strings that are associated with respective ones of a plurality of failure categories. This comparing may include determining whether particular keywords that are included in respective ones of the set of character strings are included in the particular character string. In response to the comparing, the failure management program may assign a particular error corresponding to the particular character string to a particular failure category, or may determine a new failure category if the particular character string does not match an existing failure category.

Abstract: Techniques are disclosed relating to detecting and prevent phishing attacks (such as man-in-the-middle attacks) related to multi-factor authentication (MFA) or two-factor authentication (2FA) processes. A system is described that makes a determination of whether to permit or deny a subsequent authentication step (e.g., a 2FA authentication step) based on a level of trust determined between the computing device making the initial authentication request to a service computer system and the computing device being asked to implement the subsequent authentication step (such as a mobile device). The computing device associated with the subsequent authentication step assesses the trust between the devices and makes the determination of whether to permit or deny the subsequent authentication step. The present techniques enhance computer system security against phishing attacks while maintaining a satisfying user experience for legitimate users.

Abstract: Embedding of digital incentive tokens within a digital image can occur cryptographically using a public key in some embodiments. An encrypted digital incentive token may be embedded within a digital image, including a variety of encrypted information. The digital image with the embedded digital incentive token may be sent to users via delivery mechanisms such as direct webpage embedding, email, text message, and social media sharing. An image recipient may be able to view the image and also take additional action including gaining access to the embedded digital incentive token. Digital incentive tokens can be embedded by altering image metadata so that the image itself is not changed in some embodiments, but data associated with the image is changed to identify the token. Pixel data can be altered to reflect a token for an image. Digital incentive tokens can also be tracked through different platforms to determine usage.

Abstract: A method and system for detecting slow page load is provided. An example system comprises a page request detector, a time-out module, a time-out monitor, and a lightweight page requestor. The page request detector may be configured to detect a request for a web page. The time-out module may be configured to commence a time-out period in response to a request for a web page. The time-out module cooperates with the time-out monitor that may be configured to determine that rendering of a rich version of the requested web page has not commenced at an expiration of the time-out period. The lightweight page requestor may be configured to cause a lightweight version of the requested page to be provided to the client system when the time-out monitor determines that the rendering of a rich version of the requested web page has not commenced at an expiration of the time-out period.