Abstract: A computer-implemented method includes generating, by a computing system, a message including a status and editable data regarding a transaction request. The status indicates a potential delay related to the editable data. The computer-implemented method further includes receiving, by the computing system, an indication regarding the editable data. The indication includes a change to the editable data that remedies the potential delay by correcting information required to complete the transaction request.

Abstract: A computing system includes an account associated with a user of the system, and a server. One or more processors are configured to receive user information from a user computing device, wherein the user information is related to a user of the account, determine, based on the user information, one or more user settings preferences related to a second computing device, receive an information request, wherein the information request includes a request to send the one or more user settings preferences to the second computing device, and to send the one or more user settings preferences to the second computing device, wherein the one or more user settings preferences are useable by the second computing device to adjust one or more settings of the second computing device.

Abstract: A user computing device comprises a network interface, an input/output (“I/O”) device, an imaging device, and a processing circuit storing instructions that cause a processor to receive a set of user photographs, determine an emotive state of the user in each of the photographs in the set of user photographs, categorize each of the photographs based on the determined emotive states of the user where each of the photographs is categorized into at least one of a user positive emotion category and a user negative emotion category, receive spending behavior data indicative of a spending behavior of the user, generate an advertisement based on the received spending behavior data where the advertisement includes a photograph from the set of user photographs categorized within at least one of the user positive emotion category and the user negative emotion category, and present the advertisement to the user via the display device.

Abstract: A system, computer-implemented method, and computer-readable storage media for using a client application. A method can include receiving an image from a mobile device based on receiving a first user selection of an image capture function element displayed via the client application on a mobile device and a subsequent capturing of the image by the mobile device. The image may include a code. The method can further include determining a product associated with the code. The method can further include receiving a second user selection and a product purchase option. The method can further include in response to receiving the product purchase option, transferring a payment for the product to a merchant from an account based on information associated with the merchant and the product purchase option. The method can further include causing the client application to display a purchase confirmation.

Abstract: Systems and methods for establishing a connection between a first computing system and a first application hosted on one or more remote servers may include receiving, from a computing device, a request to establish a new account with the first computing system, determining a dataset for establishing the new account with the first computing system, the dataset including a first data entry and a second data entry, polling one or more servers of the first computing system for first data to satisfy the first data entry, transmitting a query via the connection to an application program interface (API) for the first application for second data to satisfy the second entry, and establishing the new account with the first computing system based on the first data and the second data.

Abstract: A computer system selects a default payment account based on at least one of (a) account balance information for a plurality of accounts of a user or (b) user preferences received from the user. The computer system receives a request for a transaction to transfer funds to a recipient and determines that the transaction causes the account balance of the default payment account to decrease below a user-defined threshold minimum value. The computer system generates a screen display including a link associated with a second account and provides the screen display to a mobile device of the user. The computer system receives a selection of the link associated with the second account, generates an optical code associated with the second account that incorporates a tokenized account number of the second account, and transmits the optical code to the mobile device for the transaction.

Abstract: Systems and techniques for social responsibility load balancer are described herein. First user data for a first user and second user data for a second user is obtained. The first user data is aggregated into a first dataset and the second user data is aggregated into a second dataset. The first dataset and the second dataset are evaluated using a responsibility prediction learning model to determine a set of responsibilities. A target responsibility delta is calculated. The set of responsibilities are processed using a responsibility balancing algorithm to sort the set of responsibilities into the first responsibility assignments and the second responsibility assignments. A current delta is calculated between the first responsibility assignments and the second responsibility assignments. It is determined that the current delta is equal to the target responsibility delta. A user interface is generated to output the first responsibility assignments and the second responsibility assignments.

Abstract: A method of authenticating a card for use with a mobile pay function of a mobile device is provided. The method includes: receiving a payment transaction from the mobile device; identifying the payment transaction from the mobile device as an authentication request by determining that the payment transaction includes a payment amount less than or equal to a predefined amount, wherein the authentication request includes a cryptogram; decrypting the cryptogram; verifying and approving the authentication request that was generated by the card and wirelessly transmitted to the mobile device from the card based on the decrypted cryptogram; transmitting an authentication decision to the mobile device based on the approval; and, enabling the mobile pay function for the card for the mobile device to complete mobile pay transactions utilizing the card.

Abstract: A computer-implemented method includes receiving position data from a mobile device associated with a user, determining a location of the mobile device based on the position data, wherein the location is within a geographic location of a merchant, monitoring a position of the user within the geographic location based on the position data, determining movements of the user within the geographic location based on monitoring the position of the user within the geographic location, identifying an action performed by the user based on the movements of the user, wherein the action is indicative of a purchase of a good from the merchant, determining the user exiting the geographic location, and transferring payment from an account associated with the user to an account associated with the merchant for the purchase of the good via a payment network based on determining the user exiting the geographic location.

Abstract: An example system can include: at least one processor; and non-transitory computer-readable storage storing instructions that, when executed by the at least one processor, cause the system to: generate an ingestion manager programmed to ingest data associated with a job; and generate a logging manager programmed to capture metadata associated with the job; wherein the ingestion manager is programmed to automatically retry the job based upon the metadata captured by the logging manager.

Abstract: A method may include receiving at a receiving system an electronic request to transfer assets, included in an account of a user at a delivering system, to the receiving system; generating an electronic transaction record, the electronic transaction record identifying the user, the assets, and transfer information related to the assets; adding the electronic transaction record to a shared ledger data structure; in response to the adding: transmitting an indication to the delivering system that the electronic transaction record was added; and transmitting a notification to computing nodes associated with the shared ledger data structure that the shared ledger data structure was updated; after transmitting the indication, receiving confirmation from a third-party system that the assets were successfully transferred; and in response to the confirmation, updating an account database at the receiving system indicating a transfer of the assets.

Abstract: Various examples are directed to systems and methods for identifying targeted transactions from a transaction data stream. A transaction monitoring application executes on at least one processor. The transaction monitoring application may access first targeted transaction data from a targeted transaction persistent storage. The transaction monitoring application may build a first targeted transaction data structure at an application memory. The transaction monitoring application may access a first transaction record from a transaction record data stream and compare the first targeted transaction data structure and the first transaction record. The transaction monitoring application may, based on the comparing, determine that the first transaction is a targeted transaction, and initiate sending of a first transaction report message to a first user.

Abstract: A computing system includes a network circuit configured to communicate data over a network, an accounts database configured to store information pertaining to accounts associated with a plurality of customers, and a plurality of application programming interfaces (APIs). The computing system also includes an integration circuit configured to receive a plurality of indications from different third parties of third party preferences to integrate different ones of the functionalities into different third party services. The integration circuit is further configured to select different subsets of the plurality of APIs for the different third parties based on functionalities identified via the indications. The integration circuit is further configured to provide, via a first selected subset of the plurality of APIs, information associated with a first functionality to an external device to facilitate access to the first functionality via a first third party service.

Abstract: A system for providing coaching includes a system that creates a custom coach to assist a user in achieving one or more goals, such as, e.g., a financial goal. The coach is generated based on one or more traits of the user to increase the likelihood that the user will relate and respond to communications from the coach in a manner that enables the user to achieve his/her goal. The traits used by the system to create the coach can include traits inputted directly by a user. The system also adapts the coaching provided by the coach in response to trends noted by the coaching system as the system is used by the user as well as others.

Abstract: Systems and methods for using ring usage certificate extensions are described. Some implementations described limit the ability of signers using a ‘ring signature’ from using public key certificates to create the ring signatures without the permission of the creators of those respective public key certificates. An implementation may describe receiving a request to validate, receiving a plurality of digital certificates associated with the request to validate, determining the request to validate requires validation of a ring signature using the plurality of digital certificates, determining one or more of the plurality of digital certificates comprises a ring usage certificate extension, analyzing the ring usage certificate extension to retrieve a value associated with the ring usage certificate extension, and failing validation of the request based on determining the request to validate requires validation of the ring signature and based on the value associated with the ring usage certificate extension.

Abstract: A method includes receiving an asset freeze service request having an authentication token by a service computing system from a user computing system. The method further includes retrieving a recorded user identifier and a recorded asset identifier by the service computing system from an asset control system that facilitates access of the virtual asset within a virtual environment. The method further includes comparing the user identifier with the recorded user identifier or the asset identifier with the recorded asset identifier by the service computing system. The method further includes the service computing system generating a key associated with the virtual asset and sending the key and the asset freeze service request to the asset control system. The method further includes service computing system generating an asset freeze protocol defining access to the virtual asset. The asset freeze protocol includes receiving a level one first trigger by the service computing system.

Abstract: A method includes detecting an initial vocalization by a user in an environment including a primary device and a secondary device, analyzing the initial vocalization to determine whether a future vocalization is likely to contain sensitive information based on the initial vocalization where the future vocalization is a potential future vocalization, and controlling, based on determining that the future vocalization is likely to contain sensitive information, a speaker of the primary device to output a noise canceling signal configured to prevent the secondary device from detecting the future vocalization.

Abstract: A system includes a processor and a data storage medium where the processor is caused to define a first set of account controls including first permissions and first restrictions for a first user (a minor) of a first customer account; define a second set of account controls including second permissions and second restrictions for a second user (a guardian of the first user) of the first customer account; adjust the first set of account controls to increase the first permissions and decrease the first restrictions; receive automated account management plans defining a set of account controls; select an automated account management plan based on monitored behavior of the first customer account; transmit a notification to the first user and the second user indicating that the first set of account controls are adjusted; receive a dismissal of the notification; and adjust the first set of account controls.

Abstract: Disclosed are methods, systems, and devices for preventing payments to unintended beneficiaries. A service provider system may receive, from a user device of a user, a payment request to transfer funds from a source account to an identified destination account. A beneficiary system may be identified, and a validation request (e.g., an API call) may be transmitted to the beneficiary system. The service provider system may receive from the beneficiary system a transmission indicating whether the destination account is associated with the recipient identified in the payment request. The user may be alerted if the account number for the destination account is not validated.

Abstract: A method includes: receiving a request for a transaction between a user and a third party; generating a displayable and scannable transaction code, the transaction code embedding a transaction identification number unique to the transaction and a location of one of the user or the third party; sending the transaction code to one of the user or the third party for the other of the user and the third party to scan to request a transfer of funds from an account of the user to the third party; receiving a transfer request to transfer funds from the account of the user to the third party, the transfer request including the transaction code and information related to a transaction amount for transferring to the third party; and generating a verification request to confirm the information related to the transaction.