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 processor-implemented method is disclosed.

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 receive, via the communications module and from a computing device, a signal representing a request to add an authorized user to an account of an entity hosted by a first institution associated with the server; send, via the communications module and to a second server associated with a second institution hosting an account of the authorized user, a signal that includes a unique key and an identifier of the entity, the signal causing the second server to store the unique key and the identifier in memory and associating the unique key and the identifier with the account of the authorized user; receive a signal representing a request to perform an operation for the entity; in response to receiving the request to perform the operation, send, via the communications module

Abstract: In some implementations, a method of providing contactless payments at a point of sale terminal includes: causing a point-of-sale terminal processing a transaction to display a machine-readable code, the machine-readable code encoding a web address; receiving a request from a device that scanned the machine-readable code, the request received at the web address; in response to receiving the request, causing the device that scanned the machine-readable code to output an interface that includes a prompt for input required to complete the transaction; receiving a response to the prompt; and sending an indication of the response to the prompt to the point-of-sale terminal to allow for completion of the transaction based on the response at the point-of-sale terminal through use of a physical token at the point-of-sale terminal.

Abstract: A system and method are provided for persisting data generated in executing a process workflow. The method is executed by a device having a communications module and includes receiving via the communications module messages exchanged in executing the process workflow by a message broker. The method also includes using a writer service to disassemble each received message into multiple properties according to a database schema and persist the received message in a database according to the database schema via the communications module. The method also includes using a reader service to access the database and assemble the multiple properties of a first persisted message, in response to a read request received via the communications module, wherein the reader service is separate from the writer service.

Abstract: A server includes a processor that receives, from a first device, initiation message(s) each including a service identifier and a service value and, for each initiation message, saves in a database a record comprising the service identifier in association with the service value. The processor receives, from a second device, authorization message(s) each including one of the service identifiers and an authorization value, and for each authorization message, validates one of the initiation messages by (i) locating in the database the record comprising the one service identifier, and (ii) confirming that the service value in the located database record matches the authorization value. The processor updates a journal with an entry identifying a transfer between a first ledger and a second ledger in an amount equal to a sum of the service values of the validated initiation messages, and provides the first device with a message confirming the transfer.

Abstract: The present disclosure involves systems, software, and computer implemented methods for generating new credit accounts for immediate availability for use in current online transaction. One example process includes identifying, at a merchant application, a request to perform a credit application process associated with a particular user via a client application. The credit application process is associated with a financial institution, and the merchant application stores a set of user accounts, each associated with a merchant-specific identifier identifying the particular user profile at the merchant. An interactive application is presented within the merchant application, and information associated with the completed application is transmitted to an API associated with the financial institution with the merchant-specific identifier of the associated user.

Abstract: The present disclosure involves systems, software, and computer implemented methods for presenting recommendations for suggested activities. One example method includes receiving a first signal from a device that includes a current context of the device that includes location information for the device. The device is associated with a particular profile. A preferred language associated with the device is determined from the profile. The profile is analyzed to determine a contextual activity preference associated with the device. A repository of establishment information is searched to identify an activity that matches the current context associated with the device and the contextual activity preference. An activity description of the identified activity is translated from a foreign language to the preferred language to create a translated activity description. A second signal is transmitted to the device that includes the translated activity description for presentation at the device.

Abstract: A method for providing a dynamic user interface for navigating user account data is disclosed. The method includes: performing a first data transfer from a user account; updating an interaction model for the user account based on the first data transfer; receiving, from a client device associated with the user account, a query having at least one query term; determining, based on the interaction model and the at least one query term, that the query maps to a user intent associated with the first data transfer; and in response to determining that the query maps to a user intent associated with the first data transfer, providing, to the client device, a search result based on the first data transfer.

Abstract: The disclosed exemplary embodiments include computer-implemented systems, devices, apparatuses, and processes that dynamically implement and manage consent and permissioning protocols using container-based applications. By way of example, a device may receive, through a programmatic interface, a first request for an element of data generated by an executed application program. When the first request is consistent with consent data associated the executed application program, the device may obtain the requested data element and a digital signature applied to the requested data element by a computing system. Based on a verification of the applied digital signature, the device may generate and present a representation of the requested data element within a digital interface, along with an interface element that confirms the verification of the digital signature.

Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically configure and populate a digital interface based on sequential elements of message data exchanged during a chatbot session established programmatically between an apparatus and a device. For example, the apparatus may generate first messaging data that includes a candidate input value for an interface element of a digital interface, and transmit the first messaging data to the device during the programmatically established chatbot session. The apparatus may also receive, from the device during the programmatically established chatbot session, second messaging data that includes a confirmation of the candidate input value. Based on the second messaging data, the apparatus may generate populated interface data that associates the interface element with the confirmed candidate input value, and store the populated interface data within a memory.

Abstract: A computer-implemented method is disclosed. The method includes: generating a unique code for a recipient of a value storage token; sending, to a messaging address associated with the recipient, a first message including a link for accessing a token provider selection interface; detecting activation of the link by the recipient; in response to detecting activation of the link by the recipient, providing, on a computing device associated with the recipient, the token provider selection interface; receiving, via the token provider selection interface, a selection of a first token provider; and in response to receiving the selection of the first token provider, sending a digital representation of the value storage token to the messaging address associated with the recipient.

Abstract: In an aspect, a computer-implemented method may include: performing word tokenization on identifiers in a first identifier set to obtain a first set of tokens; performing word tokenization on identifiers in a second identifier set to obtain a second set of tokens; obtaining a weighting value for each of a plurality of tokens in the first set of tokens and the second set of tokens based on a frequency of occurrence; for each identifier of a plurality of identifiers in the first identifier set and of a plurality of identifiers in the second identifier set, obtaining embeddings for the identifier based on the embeddings of tokens obtained by performing word tokenization on that identifier and based on the weighting value for such tokens; obtaining similarity metrics. The similarity metrics may be used for rapid query handling to generate user interface screens in real time.

Abstract: System and method are provided for facilitating performance testing.

Abstract: A trusted session is to be established between a smart speaker and a computer server. The computer server may receive an instruction to initiate a trusted session with the smart speaker. The instruction includes an indication of an account linking token for linking a first and second account associated with the smart speaker and the computer server, respectively. The computer server generates a session token and sends it to the smart speaker for acoustic signalling. The acoustic signal is captured by a mobile device and used to reconstruct the session token. The computer server receives the reconstructed session token along with identifying information from the mobile device. The computer server system uses the identifying information to confirm that the mobile device is associated with the second accord. Upon so confirming, the computer server may establish a trusted session between the first smart speaker and the computer server system.

Abstract: A computer server 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 obtain trigger data identifying two or more resource types and criteria for triggering one or more actions associated with each of the two or more resource types; monitor resource consumption data to identify another resource type being provided to a resource requester; responsive to identifying the another resource type being provided to the resource requester, determine, based on the trigger data, one or more actions to be triggered; and trigger the one or more actions.

Abstract: A computer-implemented method is disclosed. The method includes: displaying, on a touch-sensitive display of an electronic device, an indicated value and an annulus having a base segment and a highlighted segment, wherein points along a circumference of the annulus are associated with values between a base amount and a maximum amount and wherein a size of the highlighted segment is based on the indicated value; receiving, via the touch-sensitive display, a first value-adjusting input comprising a tap operation; and in response to receiving the first value-adjusting input, adjusting at least one of the base amount or the maximum amount for causing a range of the annulus to be changed, wherein a proportion of the annulus represented by the highlighted segment corresponds to a proportion of the range represented by the indicated value.

Abstract: An authorization system includes a database, and at least one computer server in communication with the database. The database includes a plurality of database records, each including an account number and an associated card number. Each card number has fewer digits than the associated account number. The server is configured to receive, from a communications terminal, a request message that initiates a transaction with the server. The server is configured to request an authentication credential from the terminal, and in the database locate the card number that matches the received authentication credential and locate the account number that is associated with the located card number. The server is configured to request authorization of a test transaction using the account number, receive an authorization response confirming authorization of the test transaction, and authorize the initiated transaction in response to the authorization response. The test transaction is different from the initiated transaction.

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: A computer-implemented method may include: receiving, from a first electronic device during an unauthenticated session, a request for provisioning data, the request associated with identification data insufficient to begin an authenticated session; determining, based on the identification data, whether the request for the provisioning data is associated with an existing account; when the request for the provisioning data is determined to be associated with an existing account, obtaining the provisioning data based on a modifier not available if the request for the provisioning data is not determined to be associated with an existing account; and sending the provisioning data to the first electronic device.