Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that manage cryptographically secure exchanges of data using a permissioned distributed ledger. For example, an apparatus obtains parameter values characterizing an exchange of data and transmits the parameter values to a first computing system, which executed instructions included within a distributed ledger. The executed additional instructions cause the first computing system to access rules data recorded onto the distributed ledger and establish a consistency between the parameter values and at least a portion of the accessed rules data. The apparatus receives, from the first computing system, confirmation data indicative of the established consistency, and based on the confirmation data, transmit a request to execute the data exchange in accordance with at least the portion of the parameter values to a second computing system.

Abstract: In another aspect, a computer-implemented method is described. The method includes: detecting that an electronic device that has been previously configured to communicate with the ambient commerce system is at the ambient commerce premises, the electronic device associated with an entity; receiving, from the electronic device, a wallet identifier, the wallet identifier uniquely identifying a particular wallet that is to be used to complete an ambient commerce transaction; identifying, based on the sensor, one or more items that are to be associated with the ambient commerce transaction; and processing the ambient commerce transaction for the identified one or more items using the particular wallet identified by the wallet identifier.

Abstract: A server computer system, comprises a processor; a communications module coupled to the processor; and a memory coupled to the processor, the memory storing instructions that, when executed, configure the processor to receive, via the communications module and from a client device, a signal including a request to configure a transfer of data to a particular data record; determine that the particular data record is associated with a third party server; obtain a trust score associated with the particular data record; determine that the trust score satisfies trust criteria; and responsive to determining that the trust score satisfies trust criteria, enable one or more transfer features associated with a real-time transfer protocol.

Abstract: An image retrieval system receives an image for which to identify relevant images from an image repository. Relevant images may be of the same environment or object and features and other characteristics. Images in the repository are represented in an image retrieval graph by a set of image nodes connected by edges to other related image nodes with edge weights representing the similarity of the nodes to each other. Based on the received image, the image traversal system identifies an image in the image retrieval graph and alternatively explores and traverses (also termed “exploits”) the image nodes with the edge weights. In the exploration step, image nodes in an exploration set are evaluated to identify connected nodes that are added to a traversal set of image nodes. In the traversal step, the relevant nodes in the traversal set are added to the exploration set and a query result set.

Abstract: A server computer system, comprises a processor; a communications module coupled to the processor; and a memory coupled to the processor, the memory storing instructions that, when executed, configure the processor to obtain information associated with a request to transfer data to a data record; determine, based on an identifier associated with the data record, whether a real-time transfer protocol is available to complete the transfer; and send, via the communications module and to a client device associated with a recipient of the request to transfer the data to the data record, a signal updating one or more interface elements of an interface displayed on the client device based on whether the real-time transfer protocol is available to complete the transfer.

Abstract: A device, method, and computer readable medium are provided for transitioning risk analysis. The method includes providing a first risk assessment, and providing a second risk analysis program that generates risk assessments based on a transformation model configured to convert risk based on (1) a first reference rate, and (2) one or more risk functions for one or more first instruments, into risk based on a second reference rate. The method includes generating a second risk assessment with the second risk analysis program, based on the first risk assessment and one or more target instruments that incorporate risk based on the second reference rate, the one or more target instruments being associated with a product or service.

Abstract: A computer-implemented is disclosed. The method includes: allocating a first quantity of resources associated with one or more database records of an entity to a first device operation of a computing device associated with the entity; detecting a trigger condition associated with the first device operation for generating offers for lending resources to the entity in connection with the first device operation; in response to detecting the trigger condition: determining a second quantity of resources associated with the one or more database records for allocating to the first device operation based on a difference between a threshold quantity of resources associated with performing the first device operation and a total quantity of resources associated with the one or more database records previously allocated to the first device operation; and transmitting, to the computing device, a message representing an offer for lending the second quantity of resources.

Abstract: A processor-implemented method is disclosed.

Abstract: According to an aspect there is provided an ambient commerce system. The ambient commerce system may include a sensor at an ambient commerce premises. The ambient commerce system may further include a processor coupled to the sensor and a memory coupled to the processor. The memory may store processor-executable instructions which, when executed, cause the processor to: detect, based on an output of the sensor at the ambient commerce premises, engagement of an entity with a first item satisfying first predetermined criteria; identify the entity; determine based on account data for the identified entity, a resource parameter for the identified entity; and when the resource parameter satisfies second predetermined criteria, generate a notification on an electronic device associated with the entity.

Abstract: According to an aspect there is provided an ambient commerce system. The ambient commerce system may include a sensor at an ambient commerce premises. The ambient commerce system may include a processor coupled to the one or more sensors. The ambient commerce system may include a memory coupled to the processor. The memory may store processor-executable instructions which, when executed, cause the processor to: detect, based on an output of one or more of the sensors, engagement of an entity with a restricted item; identify the entity; obtain at least a portion of a profile for the entity; determine, based on the at least a portion of the profile for the identified entity, eligibility for the entity to acquire the restricted item; and selectively generate, based on the determined eligibility for the entity, a notification on an electronic device associated with the entity.

Abstract: Methods and systems for creating a multi-applicant account profile are described. During a first remote session, a first applicant provides at least two pieces of contact data for second applicant. A unique link and a one-time password are transmitted to the second applicant using respective first and second pieces of contact data. A second remote session is initiated, in response to receipt of the one-time password, provided via the unique link. During the second remote session, identification information of the second applicant is provided. A new multi-applicant account profile is then created, after verifying the identification information of the first applicant and the second applicant.

Abstract: The disclosed exemplary embodiments include computer-implemented apparatuses and processes that automatically populate deep-linked interfaces based n programmatically established chatbot sessions. For example, an apparatus may determine a candidate parameter value for a first parameter of an exchange of data based on received messaging information and on information characterizing prior exchanges of data between a device and the apparatus. The apparatus may also generate interface data that associates the first candidate parameter value with a corresponding interface element of a first digital interface, and may store the store interface data within a data repository. In some instances, the apparatus may transmit linking data associated with the stored interface data to the device, and an application program executed by the device may present a representation of the linking data within a second digital interface.

Abstract: A computer-implemented method of providing a recommendation as to a fault determination for a motor vehicle collision is disclosed. The method may include receiving unstructured text describing the circumstances of the collision. The unstructured text is evaluated an associated intent related to the circumstances of the motor vehicle collision is identified. The intent is mapped to an internal node of a decision tree corresponding to a set of fault-determination rules. The computer then successively prompts and receive input responsive to the prompting that corresponds to details of the circumstances of the collision. The computer may identify, based on the received input, a path through the decision tree ending at a leaf node that corresponds to a fault-determination rule governing motor vehicle collisions that matches the circumstances of the motor vehicle collision. The recommendation is then provided based on that rule. Related systems and computer-readable media are also disclosed.

Abstract: A system and method are provided for integrating external services into process workflow environments. The method can include subscribing to one or more topics in an external domain coupled to at least one external microservice to be notified of incoming messages, the topics in the external domain being mapped to topics in an internal domain coupled to a message broker for routing messages within the internal domain. The method can also include subscribing to the one or more topics in the internal domain to be notified of outgoing messages to the at least one external microservice and detecting an incoming message published to a first topic by a first external microservice.

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 send, via the communications module and to a remote computing device, a signal causing the remote computing device to display a unique code and a telephone number; monitor at least one instant messaging account associated with the telephone number for the unique code; after determining that the unique code has been received at the at least one instant messaging account associated with the displayed telephone number, determine that authentication for a particular account has been successful; and in response to determining that authentication for the particular account has been successful, initiate an authenticated session.

Abstract: An authorization control network includes at least one computer server. The server(s) receives a cardholder credential and a profile modification request from a communications device, and determines an account attribute by querying a profile database with an account identifier. The server(s) rejects the modification request if the server determines from the account attribute that a limit profile associated with the account identifier is linked to a cardholder credential other than the received cardholder credential. The server(s) then receives from a POS device an authorization request that includes the account identifier and an authorization value.

Abstract: A system and method are provided for testing application. The method is executed by a device having a communications module and includes initiating via the communications module, an application testing tool, to test an application build according to at least one metric and obtain a test result. The method also includes accessing via the communications module, session details generated by the application testing tool while testing the application build, to determine an overhead component introduced by the application testing tool in generating the test result. The method also includes adjusting the test result based on the overhead component to increase an accuracy of the test result.

Abstract: A computer-implemented method may comprise: receiving, via a first application on the computing device, a request to connect a first data record associated with the first application with a second data record associated with a second application on the computing device; and establishing a secure communication channel between the first application and the second application, the secure communication channel enabling transmission of data between the first application and the second application, wherein establishing the secure communication channel comprises: sending, to the second application, identifying information for the first data record and a first device token associated with the first application; receiving, from the second application, a second device token associated with the second application; and causing the second device token to be stored, in the memory, in association with the first application.

Abstract: A stored-value card system includes a POS terminal, a communications device, and a stored-value card agent. The stored-value card agent is configured to receive, from the communications device, a message that identifies a payment amount; transmit, to a stored-value card network, a request message that includes the payment amount; receive a confirmation of the stored-value card network associating the payment amount with a stored-value card account that is maintained by the stored-value card network; and transmit a token to the communications device. The POS terminal is configured to transmit to the stored-value card network a completion message that includes the token and excludes the payment amount, and receive from the stored-value card network an authorization code that confirms authorization of a funds transfer in the payment amount.

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 store, in a database and in association with a provider of one or more incentives, data associated with at least one bulk order of incentives, the data including identifying information of a purchaser of the at least one bulk order of incentives and a unique number for each incentive; authenticate a computing device associated with the provider of the one or more incentives; obtain, from the database, at least one graphical object associated with the provider of the one or more incentives; automatically generate a customized incentive interface by populating one or more interface elements of a white label incentive interface, the customized incentive interface including at least a summary of the at least one bulk order of incentives and the at least on