Abstract: A method for using location-based services for service management is discussed. The method includes receiving, at a server, a user request from a user device at a geographical location. The method includes accessing a store search to determine a store reference based on the user request and a user location corresponding to the geographical location, the store reference indicating tenant(s) accessible to the user via a user interface (UI) of the user device. The method includes accessing location data for the user device based on the store reference and a user account associated with the user, the location data indicating a service accessible via the UI and associated with a certain tenant. The method includes providing, to the user device and based on the location data, a user experience for accessing the service via the UI.

Abstract: There are provided systems and methods for tokenized data having split payment instruction for multiple accounts in a chain transaction. A user may provide a payment to a merchant that sells one or more items to the user. In order to sell items, the merchant may utilize a partner service that provides resources for the merchant to sell the items, such as an online marketplace. The partner service may require a payment for each transaction by the merchant using the partner service. Thus, when a payment request is generated to the merchant for items sold to the user, the partner service may attach to the payment request and provide a split payment request for a split payment from the payment request. The payment between the user and merchant may be processed, and a separate transaction may provide the split payment automatically to the partner service from the merchant.

Abstract: Various systems, mediums, and methods herein describe aspects of personal information platforms accessible with client devices over communication networks in data infrastructures. A system may determine data associated with a user. The system may determine a personal information platform (PIP) based on the data associated with the user, where the PIP is configured to identify a number of data types from the data associated with the user. The system may determine accesses for one or more entities to the number of data types based on one or more services provided by the one or more entities to the user. The system may cause a client device to display an indication of the PIP, where the indication provides the one or more accesses of the one or more entities.

Abstract: Embodiments described herein disclose a mobile device system for displaying contactless payment options to a user of a mobile device. A location of the device may be detected. The location may be transmitted to a payment services provider, and information indicating that the location corresponds to a merchant having contactless payment options may be received. In response, graphical depictions of payment options associated with a plurality of payment sources are displayed on a touch-sensitive display of the mobile device. A selection of one of the graphical depictions is received, and in response, one or more transceivers of the mobile device, such as one or more NFC transceivers, may be activated. The activation may cause the transceivers to transmit a personal account number to a point-of-sale terminal. Thus, the user is presented with contactless payment options based on a geographical location, and may be presented with a suggested payment source.

Abstract: Techniques for an ultra-fast installation of a new operating system are provided. Conventional dependencies are ignored in a way that allows multiple components to be installed at once, even when certain components traditionally could not be installed until one or more other components had successfully completed their installation. An operating system executing on a computing device receives a container with files that collectively include a new operating system and a definition with the locations for the files in memory. An uninstalled state may be assigned to each file. Each file may be moved from the container to the location specified in the definition in parallel and independently of other files. After each file is moved, each file may be switched from the uninstalled state to the installed state. The new operating system may be transitioned from an uninstalled state to an installed state once files are switched to installed states.

Abstract: Techniques for monitoring based on a memory layout of an application are disclosed. A memory layout may be received, obtained, and/or generated from an application executing on a computer. Based on one or more attributes of a plurality of memory regions of the memory layout a memory layout fingerprint is generated. Additionally, memory region fingerprints are generated based on the one or more attributes for respective memory regions. The memory layout fingerprint and the memory region fingerprints are compared to respective previous memory layout fingerprints and the memory region fingerprints in order to determine whether malicious code and/or application drifting has occurred.

Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for database sharding. In one embodiment, a system and method are introduced which enable the use of dynamic IDs for use with database sharding. The dynamic ID enables the use of a hierarchical structure such that original and trailing transactional data are identically labeled. To enable the use and labeling two or more unsharded tables may be used.

Abstract: The present disclosure is directed to generating cross-platform electronic tokens. First information of a first user associated with a first identity platform is accessed. Second information of a second user associated with a second identity platform is accessed. The second identity platform is different from the first identity platform. The first information and the second information are analyzed to determine whether the first user and the second user are the same person. In response to a determination that the first user and the second user are the same person, a cross-platform electronic token is generated to be used for both the first identity platform and the second identity platform.

Abstract: The present disclosure provides an exemplary system, method, and computer program product. The exemplary system includes at least one non-transitory memory storing user account information, wherein the information comprises a digital receipt associated with a user purchase and one or more conditions for delivering the digital receipt. The system further includes one or more hardware processors coupled to the at least one memory and operable to read instructions from the at least one memory to perform the steps of: receiving a payment request from a user; receiving at least one condition from the user for delivering a digital receipt associated with the payment request to at least one recipient; determining whether the at least one condition is satisfied; and delivering the digital receipt to the at least one recipient.

Abstract: Systems, computer-implemented methods, apparatus, and/or computer program products that can facilitate adaptable QR codes to launch customized experiences are provided. In various embodiments, a system can receive, from a client device, a quick response (QR) code, a client identifier, and location data associated with the client device. In various aspects, the system can identify, from a plurality of merchants, a first merchant that corresponds to the QR code, based on identifying that the first merchant corresponds to the location data. In various instances, the system can identify, from a plurality of client profiles, a first client profile that corresponds to the client identifier. In various cases, the system can identify a digital content based on the first merchant and the first client profile. In various aspects, the system can cause the digital content to be provided to the client device.

Abstract: Based on detecting a selection, by a first user, of a group payment option on a merchant interface, the computer system launches a user selection user interface that includes one or more user selection interface elements that correspond to one or more users associated with the first user. Based on detecting a selection of one or users, the computer system launches a group payment user interface that includes one or more payment allocation user interface elements that corresponds to a payment allocation for the selected users. Based on detecting a confirmation of a first payment allocation plan, the computer system processes a payment for the purchase and further transmits invoices to the selected users which include an allocated payment amount.

Abstract: Techniques are disclosed for a computer system to predict a next sample for a data stream that specifies data values of one or more variables. A current subset of data values and previous subsets of data values is determined, and polyline simplification techniques may then be used on the subset to produce a reduced-sample current subset of data values that are converted to an angular coordinate system. A space partitioning data structure such as a k-dimensional tree that stores converted reduced-sample previous subsets of the data stream may then be traversed to determine one or more nearest neighbors to the current subset. The predicted next sample for the data stream may be generated from the nearest neighbors. The space partitioning data structure may be updated to include the current subset, and the process may be repeated with a new current subset.

Abstract: The adaptive learning systems described herein may include machine-learning engines, product configuration engines, and/or various other components configured to improve the efficiency of processing transactions. The systems described herein may detect and/or predict declined transactions, token deficiencies, insufficient system capacities, and/or other system anomalies. As such, the system may perform operations to generate additional tokens associated with assets, provision various bin ranges, and/or share reserve capacities, and/or other operations. Thus, the system may improve system efficiencies, ensure reliability and operability across the system, and optimize the operations for successfully processing transactions.

Abstract: Methods and systems for using ephemeral URL passwords to deter high volume attacks is described. A request to access one of several protected URLs is detected from a client computing device. A URL password is received from the client computing device. The request is redirected to the protected URL upon determining that the received URL password is valid for the one of the several of protected URLs.

Abstract: In some embodiments, a verification system includes a memory storing a common identifier that identifies a user. The system may also include one or more hardware processors coupled to the memory and configured to read instructions from the memory to perform the steps of: receiving a token associated with a request to complete a transaction with an environment; determining the common identifier associated with the token, the common identifier being associated with an identifier of the merchant, an identifier of the user requesting the transaction, and a funding instrument associated with the user; and determining, based on information associated with the common identifier, whether to approve the transaction.

Abstract: There are provided systems and methods for gesture and motion detection using a device radar component for user authentication. A user's device may include a miniaturized radar component that is capable of detecting objects, gestures, and motions within an area around the device in a three-dimensional manner, such as a user hand, arm, or other body part that may perform a motion or gesture. A service provider, application, or another user may generate and transmit an authentication request to the user that may include some query for the user to perform one or more actions or gestures. The user may perform the actions or gestures in response to the query, which may be detected by the radar component and processed to determine whether to authenticate the user. In some embodiments, the gesture may be performed using a virtual projection or real objects in the environment nearby the device.

Abstract: A machine-readable code is generated in response to a request from a first user. The request specifies a number of times or a time period during which the machine-readable code can be validly scanned electronically. The machine-readable code is displayed on a device of the first user. The machine-readable code is electronically scanned by a device of a second user. A determination is made as to whether a scan of the machine-readable code by the device of the second user occurred within the specified number of times or within the specified time period. An electronic interaction between the first user and the second user is performed response to the determination, while an identity of the first user or an identity of the second user is concealed from each other and from social media contacts of the first user and the second user.

Abstract: A fraud detection model is used by a computer system to evaluate whether to grant a request to access a secure electronic resource. The fraud detection model is generated by the computer using a plurality of previously received requests. Each request is associated with a sender account of the computer system and a recipient account to which the computer system previously sent a message containing a link to the secure electronic resource.

Abstract: A method and system for facilitating processing of cross-border transactions are discussed. The method includes accessing transaction terms offered by third-party financial service providers, the transaction terms offered for processing of transactions, the transaction terms obtained from remotely located computing devices associated with the third-party financial service providers. Responsive to receiving cross-border financial transaction information, the method includes comparing information on the transaction terms to determine possible third-party financial service providers available to process a cross-border financial transaction using a funding source from funding sources. The method includes selecting, based on the comparing, a particular third-party financial service provider from the possible third-party financial service providers for processing the cross-border financial transaction.

Abstract: A system and method for data replication for databases using an intermediary server, the intermediary server choosing the order in which databases are replicated, the utilities used for each of the steps in the data replication process, the timing of the replication, and/or the timing each step of the data replication process is performed.