Abstract: The present disclosure relates to systems and methods for providing personalized retrievals of items. The systems and methods create a user-specific morph operator for a user that captures learned user preferences for the user. The systems and methods use the user-specific morph operator to transform a generic embedding for a query into a personalized embedding for the query. The systems and method use the personalized embedding to retrieve items based on the user preferences to present in response to the query.

Abstract: The invention comprises systems, methods and computer program products for implementing a payment wallet based electronic payment transaction.

Abstract: Systems and methods for facilitating a transaction between a cardholder, registered with a first payment entity, and a second payment entity other than the first payment entity in cases when the second payment entity promotes an offer which the cardholder wants to avail. The method includes receiving a first service request from a user at a server system associated with the first payment entity. The first service request is a request to avail the offer using a first payment card of the user. The method further includes facilitating authentication of the first service request at the first payment entity. Upon successful authentication, the method includes sending a second service request to second payment entity and receiving approval from the second payment entity for availing the offer. The method further includes receiving a second payment card from second issuing entity, where the second payment card is eligible for availing the offer.