Abstract: Messaging servers, methods and storage media for processing instructions associated with one or more data transfers are disclosed. Exemplary implementations may: receive, at a messaging server and from a computing device, a first unauthenticated message including data transfer instructions associated with the one or more data transfers; perform, by the messaging server, a verification process to authenticate the computing device in order to authenticate the data transfer instructions; assign, by the messaging server and based on authenticating the computing device, a conversation authentication identifier to the first unauthenticated message received from the computing device; and automatically assign, by the messaging server, the same conversation authentication identifier to subsequent unauthenticated messages between the computing device and the messaging server that are associated with the one or more data transfers.

Abstract: A system and method for managing access to entity identity data are described. The system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to authenticate a remote device as being associated with an entity; receive, via the communications module and from the remote device, pre-consent data identifying one or more third parties permitted to access entity identity data for the entity; store, in the memory, the pre-consent data in association with the entity; receive, via the communications module and from a digital identity network, a signal representing a request to release the entity identity data to the third party; determine, based on the pre-consent data, that the entity identity data is to be released to the third party; and initiate release of the entity identity data to a computing device associated with the third party.

Abstract: A system, method and device for ingesting data files into remote computing environments is disclosed. The method includes receiving a plurality of data files and processing same according to a modified round-robin (MRR) process. The MRR assigns data files for processing by determining which of a plurality of remote processors are active, and by determining an amount of queued processing for the active remote processors. The method includes assigning each data file of the plurality of data files to a remote processor of the plurality of remote processors based on the remote processor (1) being active, and (2) having a relatively lower amount of queued processing. The method includes instructing a storage writer to store processed data files.

Abstract: A computer-implemented method is disclosed. The method includes: receiving an authentication request to authenticate a first entity to a service; in response to receiving the authentication request: generating a message for requesting the first entity to initiate a transfer of resources from a first data record; and transmitting the message to a first server that requires user authentication for the first entity to access the message; and generating a response to the authentication request based on a completion status of the requested transfer.

Abstract: A system and method are provided for analyzing and reacting to interactions between entities using electronic communication channels. The method includes receiving, via the communications module, data captured from a conversational exchange between a first entity communicating with a second entity using an electronic communication channel. The method also includes analyzing the captured data to detect an indication that the first entity is or was distracted during the conversational exchange, is or was disinterested in a portion of the conversational exchange or missed the portion of the conversational exchange. The method also includes determining based on the indication an action to address the distraction during, disinterest in, or missing of, the portion of the conversational exchange; and providing, via the communications module, an automated message to at least one of the first entity and the second entity for executing the action.

Abstract: The disclosed embodiments include methods and systems for providing tokenized transaction accounts. In one embodiment, a computer-implemented method is provided that may include generating, by one or more processors, a first tokenized transaction account from a first transaction account associated with a first user. The method may also include providing the first tokenized transaction account to a client device associated with the first user for storage in the client device and use in transactions. The method may also include updating the first tokenized transaction account based on one or more conditions and providing the updated first tokenized transaction account to the client device for storage and use in a subsequent transaction.

Abstract: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to authenticate a user via a first authentication channel; receive, via the communications module and from a computing device associated with the user, a signal representing a request to transfer a first quantity of resources; determine that the first quantity of resources is less than a first threshold associated with the first authentication channel; obtain identity data associated with the request to transfer the first quantity of resources; determine, based on the identity data, that a request to transfer a second quantity of resources has been previously initiated by the user via a second authentication channel that is different than the first authentication channel; and determine that the sum of the first quantity of resources and the second quantity of resources i

Abstract: A system, method, and memory for handling real-time transactional events is disclosed. The exemplary system a processor to detect and add an event to a queue and identify an associated event type. Event types can require downstream processing by at least one provider. The processor decomposes the event into tasks by comparison to event types which associate downstream provider requirements to tasks and routes. One or more routes are assigned to the tasks, each route defined by at least one processor of a plurality of processors. One or more routes are defined by transmitting a request for downstream processing to the at least one provider. The processor, upon detecting incomplete performance of the one or more routes, either updates the tasks associated with the incomplete route, or marks the event associated with the route as incomplete in the queue.

Abstract: A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device associated with a contributing member, a signal defining one or more interface elements to be displayed on a computing device associated with a non-contributing member and one or more interface elements to be withheld from being displayed on the computing device associated with the non-contributing member; complete a booking request by applying loyalty points from a loyalty point account associated with a group of contributing members to offset a cost of the booking request for the non-contributing member; and responsive to completing the booking request, send, via the communications module and to the computing device associated with the non-contributing member, a signal indicating that

Abstract: A method for evaluating security of third-party applications includes: launching, in an automated test environment, a test instance of a first application; determining a data access pattern for the first application of accessing a protected remote server based on detecting data retrieval operations of retrieving data from the protected remote server by the test instance and determining application states of the first application associated with the detected data retrieval operations; and providing the data access pattern for the first application on a client device.

Abstract: Computing devices, systems, and methods for automatically prompting a foreign currency transaction by detecting a trip end condition associated with a registered user with respect to travel to a foreign location associated with a foreign currency. The methods and system may further determine that the registered user has a remaining foreign currency balance, and, as a result, may identify and send to the registered user's mobile device at least one option for using the remaining foreign currency balance. The at least one option may be a merchant offer from a merchant located in the area of the mobile device or may include an option to exchange the foreign currency for another currency. The trip end condition may be detected by determining that the registered user and/or user's mobile device is at an international departure location. The currency exchange may be with another registered user.

Abstract: A method may include: detecting a predicted resource availability condition associated with a first account by determining that an accumulated resource amount associated with a resource transfer expected to be scheduled to occur at a future time is expected to be available; in response to detecting the predicted resource availability condition, providing a selectable interface feature on a computing device, the selectable interface feature configured for inputting an early access instruction to request immediate release of at least a portion of the accumulated resource amount; receiving the early access instruction; and in response to receiving the early access instruction, sending a request-to-transfer message to a second account, the second account identified as being associated with the resource transfer expected to be scheduled to occur, the request-to-transfer message requesting a transfer of an amount of resources that is less than or equal to the accumulated resource amount.

Abstract: A system, method, and computer readable medium for implementing micro-application environments is disclosed. The exemplary method includes providing a browser container (“browser”), and providing at least one micro-application for operating within the browser. The method includes providing a plug-in for the browser. The plug-in configured to listen to events originating in, or push events to, the at least one micro-application. The method includes storing, via the plug-in, documentation of events that each of the at least one micro-application subscribes to. The method includes determining, via the plug-in, occurrence of a first event, the first event being subscribed to by the at least one micro-application, and in response to determining the occurrence, generating, via the plug-in, a message to the at least one micro-application based on the event. The method includes executing, via the at least one micro-application, a new action in response to receiving the message.

Abstract: Methods and computer systems for managing access to resources in a computing environment. Detecting a projected overload condition from a projected demand for a resource. Identifying a server associated with a resource demand scheduled to be fulfilled prior to the projected overload condition. Generating a rescheduling request to reschedule the resource demand until after the projected overload condition. Sending the rescheduling request to the identified server. Providing access to the resource at a rescheduled time.

Abstract: A computer-implemented method is disclosed. The method includes: detecting a trigger condition associated with a data record based on monitoring data record operations in connection with the data record; in response to detecting the trigger condition, generating a first message object for the data record, the first message object being associated with at least one compatible access channel; storing the first message object in a memory, the first message object being stored in association with a set of one or more message objects for the data record, wherein the first set defines an order for the one or more message objects; detecting a data record operation via a first access channel; retrieving, from the memory, at least one message object of the set that is associated with the first access channel; and causing the at least one message object to be delivered via the first access channel.

Abstract: A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to analyze historical data transfers within one or more resource accounts to generate a data budget; receive a signal indicating a data transfer request; analyze the data transfer request and, based on the data budget, determine an affordability of the data transfer; responsive to determining that the data transfer is not affordable from one of the resource accounts, generate one or more recommendations to afford the data transfer; and send, via the communications module and to a computing device, a signal causing the computing device to display a notification that includes the one or more recommendations to afford the data transfer.

Abstract: A system and method are provided for validating data. The method is executed by a device having a data interface coupled to a processor and includes obtaining a validation set comprising at least one validation case, each validation case comprising at least one test condition. The method also includes obtaining, via the data interface, at least one data set to be validated using the validation set. The method also includes applying the validation set to the at least one data set to validate the data in the data set by, for each record in the at least one data set, validating a value in the record according to the at least one test condition. The method also includes outputting a validation result for each record.

Abstract: Methods and systems for providing a graphical user interface to a computing device are described.

Abstract: Methods and systems for facilitating photo-based estimation are described. In an aspect, a server is configured to send via a communications module to a remote computing device a first signal comprising a chat interface. The server may receive, via the communications module and from the remote computing device, a second signal representing input received at the remote computing device through the chat interface. The server may identify an account associated with the remote computing device and retrieve policy data associated with the identified account from the data store. The server may automatically evaluate the input and policy data against predetermined criteria to determine whether a claim has a low risk level and, when the claim is determined to have a low risk level, engage a photo-based estimation module.

Abstract: In an aspect, the present application may describe a method that comprises monitoring a risk parameter associated with a third party server to detect a change in the risk parameter, and responsive to detecting the change in the risk parameter, sending, to a remote computing device and via the communications module, a notification that includes a first selectable option to modify data sharing associated with the third party server and a second selectable option to replace the third party server with an alternative third party server.