Abstract: Aspects of the subject technology include receiving from a user device a request for obtaining data associated with the user device. The request is addressed to a destination device. Aspects also include determining with a first controller whether to transmit the request to the destination device via a first path. The determination is based on a first success rate of the first path. Aspects also include transmitting the request to the destination device via the first path in response to a determination to transmit the request to the destination device via the first path. Aspects also include determining, with a second controller, whether to transmit the request to the destination device via a second path, in response to a determination not to transmit the request via the first path. The determination is based on a second success rate of the second path.

Abstract: Disclosed herein are methods and systems for using machine learning to improve the likelihood of success of recurring transactions. In one example, a suite of different machine learning models can be used together, such that a first machine learning model predicts a likelihood of success for a recurring transaction associated with a user account and the second machine learning model predicts whether a pre-authorization would help with the predicted likelihood of success. As a result, a server may pre-authorize the recurring transactions at a time earlier than the scheduled transaction time and place a hold on the user account using an amount predicted by the second machine learning model where the hold amount can be adjusted in accordance with the user account's activities. Data associated with the recurring transaction itself can be ingested by the second machine learning model for re-calibration purposes.

Abstract: Disclosed herein are systems and methods for detecting automated account generation requests. An example method includes receiving an application programming interface (API) request to generate a new user account. The method then includes executing a machine learning model to predict a likelihood of the API request having been generated automatically using one or more programming protocols. The machine learning model may be trained using historic requests known to have been generated using a machine or a programming/algorithm. When the machine learning model determines that the API request is likely to have been machine-made, the method includes executing an additional security protocol associated with the new user account.

Abstract: An embodiment may receive a transaction from an account associated with a user; associate a transfer group parameter with the transaction; create a set of transfers to a set of connected accounts using the transfer group parameter, a secret key, and a single-use token, the token associated with a first system and generated using information from the user, wherein the set of transfers is identifiable by the transfer group parameter and linked together for tracking a service associated with the transfer group parameter and the set of transfers; in response to a determination that the secret key is valid and is associated with a second system, execute the transaction using the single-use token and the secret key; and transmit a portion of the set of transfers to each account of the set of connected accounts to perform the service associated with the transfer group parameter and the set of transfers.

Abstract: A method and apparatus for performing economic nexus determination by a transaction processing system. The method may include accessing a plurality of transactions associated with a plurality of merchant systems processed by the transaction processing system over a period of time. The method may also include inferring a geographic location, from among a plurality of geographic locations, for each of the plurality of transactions based on one or more transaction parameters. Then, the method may include aggregating a total revenue per geographic location per merchant system based on the inference of geographic location determined from the one or more transaction parameters. For a merchant and for a geographic location for which said merchant has location based revenue within the geographic location, the method may include applying an economic nexus rule corresponding to the geographic location, and determining when the economic nexus rule corresponding to the geographic location is satisfied.

Abstract: This invention relates to systems and methods for authenticating transactions using a mobile device based primarily on the introduction of a layer of middleware and wherein the Payment Networks, Merchants, Issuing Banks, Credit Reporting Bureaus, Insurance Companies, Healthcare Providers may customize the implementation of the services based on individual strategy and consumer preferences.

Abstract: The present disclosure is directed to handling communication, including handoffs, between applications on a payment terminal. In some embodiments, a method comprises: receiving, by the first mobile application, a first request from a user to conduct a transaction via the first mobile application and transitioning control from the first mobile application to a second mobile application running on the mobile device to collect a payment for the transaction being processed by the first mobile application in response to receiving the first request to conduct a transaction. Subsequently, after processing the payment for the transaction, the method includes transitioning control back to the first mobile application from the second mobile application as part of sending an indication of results of processing the payment by the second mobile application.

Abstract: In an example embodiment, input data for an experiment is automatically formatted and organized using a framework that presents a graphical user interface that is simple and flexible. The graphical user interface allows the user to make certain selections without allowing the user to make any changes that would cause the results of the experiment to be negatively affected. The framework also enforces temporal guarantees. Specifically, the framework enforces that an outcome being used to calculate a metric be measured after an exposure related to the outcome has occurred.

Abstract: A method and apparatus for reconciling electronic transactions facilitated by a commerce platform are described. The method may include receiving, the commerce platform, requests from a merchant system to authorize a plurality of financial transactions. The method may also include transmitting an authorization to the merchant system authorizing the merchant system to perform the financial transaction. The authorization may include a unique transaction identification (ID) corresponding to the request. The method may also include receiving from the merchant system, for each transaction ID, an order number associated with the transaction ID. The method may also include generating a settlement file comprising the transaction IDs. Each transaction ID may be arranged in an order in the settlement file according to its associated order number. The method may also include transmitting the settlement file to the merchant device.

Abstract: A processing device and method for managing a distributed storage system with a control plane is described. The processing device may perform operations including receiving, with a first service, a request to perform an operation associated with a cluster of nodes, wherein the cluster includes one or more router nodes and one or more data storage nodes that are associated with the router nodes, and validating, with the first service, the request. In response to the request being validated, the processing device may perform, with a second service, the operation associated with the cluster. The performing of the operation may include calling on the first service, to access an inventory database that stores an association between the router nodes and the data storage nodes, and communicating the operation with a service of the router nodes to implement the operation.

Abstract: The disclosure generally describes one or more techniques for authenticating a webhook endpoint with a webhook server. Some techniques include a webhook server sending a seed with a webhook endpoint after the webhook endpoint is registered with the webhook server. In some examples, the webhook server generates the seed to send to the webhook endpoint and stores the seed with a key associated with the webhook endpoint. In such examples, the webhook server does not send data associated with the particular events to the webhook endpoint until the webhook endpoint acknowledges receipt of the seed while the seed is still valid.

Abstract: A method and apparatus for performing search system upgrades is described. The method may include processing a software upgrade for a search system cluster distributed over one or more nodes, the one or more nodes comprising current search system data nodes. The method may also include allocating at least a set of one or more search system data nodes for the software upgrade including at least one upgraded search system data node. Furthermore, the method can include receiving, during the software upgrade, transaction data for a transaction, and receiving search requests to be executed by the search system cluster.

Abstract: A method and apparatus for conducting multi-factor authentication of a merchant system by a commerce platform are provided. The process includes the commerce platform authenticating itself to a cloud services provider, which supplies a private communications network for the platform and merchant system. The platform receives an authentication request from the merchant system originating from the provider's private network, using an encryption key. The validity of the encryption key is verified by the platform. If the request is from within the private network and the API key is valid, the platform authenticates the merchant system to perform the requested operation.

Abstract: A method and apparatus for a commerce platform providing proof of application ownership of a network distributable application are described. The method may include receiving a request to approve an application developed by a merchant system, wherein the application includes an application programming interface (API) component, a software development kit (SDK) component, or a combination thereof provided by the commerce platform to the merchant system. The method may also include generating a unique identifier (ID) for the application to be included as metadata within the application. Furthermore, the method may include obtaining, from an application information system, data describing the application, and extracting an ID from metadata in the data obtained by the application information system.

Abstract: A method and apparatus for providing a document-integrated software integration validation by a service provider system are described. The method includes detecting an application program interface (API) call generated by a user system in a test transaction, the API call comprising a test identifier (ID) and a user system ID, the test ID identifying an API integration test scenario and the user system ID identifying the user system. The method also includes tracking a sequence of API calls and responses. Furthermore, the method includes receiving login credentials from the user system. The method also includes verifying the received login credentials with previously established login credentials associated with the user system ID. Additionally, the method includes determining whether the sequence of API calls and responses is performed correctly for the test transaction and serving the interactive integration guide to the user system indicating a result for the API integration test scenario.

Abstract: Methods, systems, and computer readable medium are provided for generating, by a secure processor, a plurality of configurable data entry elements configured into a webpage, receiving sensitive data entered via the plurality of configurable data entry elements during a user data entry session, generating a hidden controller iframe in the webpage, aggregating, by the hidden controller iframe, the sensitive data across the plurality of configurable data entry elements, and directing aggregated sensitive data to the secure processor hosted by a first server separate from a second server hosting the webpage.

Abstract: In embodiments, methods and systems for order management and processing based on a distributed commerce platform are provided. A distributed commerce platform supports end-to-end integrated product publication, order-management and payment services. In particular, the distributed commerce platform supports components based on Application Programming Interfaces (API) that standardize the implementation of a distributed commerce solution or configuration of off-site buying experiences. Using the distributed commerce platform, merchants can concurrently offer, sell, and process orders for products through a plurality of different affiliate channels. The distributed commerce platform can also be implemented as a federated portal from which a merchant can identify affiliate channels to publish product objects, access the plurality of affiliate channels and define configurations for processing objects of the merchant's distributed commerce solution.

Abstract: Described herein are systems and methods for fraud detection in network operations. The method may receive a request for execution of a network operation, the request including a first identifier associated with a user device. The method may extract, using the first identifier, attributes of the network operation and user device attributes. The method may extract a second identifier previously generated for the user device. The method may execute a cryptographic protocol using the second identifier and a cryptographic key to generate a first authentication code. The method may execute a machine learning model to predict a likelihood of fraud using mismatched attributes based on determining that the first authentication code matches a second authentication code parsed from the first identifier. The method may reject the request to execute the network operation in response to determining that a prediction of likelihood of fraud fails to satisfy a security threshold.

Abstract: A method and apparatus for performing privacy preserving fraud detection in network based transactions are described. The method may include receiving a fraud detection message during a transaction between a user system and a merchant system, the message having a set of cryptographically transformed universal resource locator (URL) components generated from a URL of a web page of the merchant system on which the transaction is to occur. The method may also include generating one or more secure and anonymous fraud detection features, each fraud detection feature comprising a select subset of the cryptographically transformed URL components. The method may also include performing fraud detection for the web page using the one or more secure and anonymous fraud detection features to determine a likelihood that fraud is occurring in the transaction.

Abstract: Described herein are systems and methods to use modeling techniques to identify gradual changes in various metrics identified as a result of analyzing an aggregated transaction dataset. In one method, a computer model dynamically slice the data using an attribute, calculates an entropy value for using a rolling time window, and uses the entropy value to identify anomalous behavior. The model may use information gain to determine whether to further segmented the data slice into smaller data slices. The model may iteratively slice and analyze the data until a data slice corresponding to the root cause is determined. The model may then traverse the hierarchy of data slices and combine the data slices until an optimized combined data slice. The model may train a machine learning component, such as a booted tree algorithm, to optimize its traversal of the hierarchy of data slices.