Abstract: Methods and systems for facilitating a digital wallet transaction are described herein. A service provider identifies and recommends the most applicable digital wallets for a user based on various factors, such as user location, type and amount of purchase, type of merchant, and/or mood of the user. The service provider may also rank the recommended digital wallets and/or determine how many should be presented to a user. During merchant checkout, the user is presented with the recommended digital wallets, and the user selects one of the digital wallets to fund the purchase.

Abstract: Methods and systems for facilitating a digital wallet transaction are described herein. A service provider identifies and recommends the most applicable digital wallets for a user based on various factors, such as user location, type and amount of purchase, type of merchant, and/or mood of the user. The service provider may also rank the recommended digital wallets and/or determine how many should be presented to a user. During merchant checkout, the user is presented with the recommended digital wallets, and the user selects one of the digital wallets to fund the purchase.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for retaining user value by leveraging support interaction data. One of the methods includes receiving user support interaction data derived from specified user support interactions and user information not derived from the specified user support interactions. Expected value of the user to an entity is determined assuming the specified user support interactions did not occur and given that the specified user support interactions did occur. Action data is generated. The action data is generated based on the user support interaction data, the user information not derived from the specified user support interaction, the expected value of the user to the entity assuming the specified user support interactions did not occur, and the expected value of the user to the entity given that the specified user support interactions did occur. Action is taken based on the action data.

Abstract: A method includes receiving a request for registered payment options associated with a user computing device, where the request includes an identifier uniquely identifying one of the user computing device and the user. The method includes identifying one or more payment options associated with the device identifier, where each of the one or more payment options is associated with respective payment instrument information. The method includes providing one or more codes, where each code of the one or more codes identifies a respective payment option of the one or more payment options. The method includes receiving a first code of the one or more codes and transaction information. The method includes accessing, based upon the first code, payment instrument information associated with the payment option identified by the first code, and causing the processing of the payment instrument information in relation to a transaction identified by the transaction data.

Abstract: Methods and systems for facilitating a digital wallet transaction are described herein. A service provider identifies and recommends the most applicable digital wallets for a user based on various factors, such as user location, type and amount of purchase, type of merchant, and/or mood of the user. The service provider may also rank the recommended digital wallets and/or determine how many should be presented to a user. During merchant checkout, the user is presented with the recommended digital wallets, and the user selects one of the digital wallets to fund the purchase.

Abstract: Methods and systems for facilitating a digital wallet transaction are described herein. A service provider identifies and recommends the most applicable digital wallets for a user based on various factors, such as user location, type and amount of purchase, type of merchant, and/or mood of the user. The service provider may also rank the recommended digital wallets and/or determine how many should be presented to a user. During merchant checkout, the user is presented with the recommended digital wallets, and the user selects one of the digital wallets to fund the purchase.

Abstract: A method includes receiving a request for registered payment options associated with a user computing device, where the request includes an identifier uniquely identifying one of the user computing device and the user. The method includes identifying one or more payment options associated with the device identifier, where each of the one or more payment options is associated with respective payment instrument information. The method includes providing one or more codes, where each code of the one or more codes identifies a respective payment option of the one or more payment options. The method includes receiving a first code of the one or more codes and transaction information. The method includes accessing, based upon the first code, payment instrument information associated with the payment option identified by the first code, and causing the processing of the payment instrument information in relation to a transaction identified by the transaction data.

Abstract: Methods and systems for facilitating a digital wallet transaction are described herein. A service provider identifies and recommends the most applicable digital wallets for a user based on various factors, such as user location, type and amount of purchase, type of merchant, and/or mood of the user. The service provider may also rank the recommended digital wallets and/or determine how many should be presented to a user. During merchant checkout, the user is presented with the recommended digital wallets, and the user selects one of the digital wallets to fund the purchase.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for a collective address book system. One of the methods includes: receiving, at the system, a request from a user regarding a topic; selecting automatically, at the system, a potential referrer, the potential referrer selection being based on the likelihood that the potential referrer will respond to the user's request; and communicating automatically with the potential referrer regarding the user's request without the system indicating to the user that the potential referrer has been contacted.

Abstract: Methods and systems for facilitating a digital wallet transaction are described herein. A service provider identifies and recommends the most applicable digital wallets for a user based on various factors, such as user location, type and amount of purchase, type of merchant, and/or mood of the user. The service provider may also rank the recommended digital wallets and/or determine how many should be presented to a user. During merchant checkout, the user is presented with the recommended digital wallets, and the user selects one of the digital wallets to fund the purchase.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for a collective address book system. One of the methods includes: receiving a request from a user to contact a person of interest; determining that contact information for the person of interest is not available in the user's contact information to which the system has access; determining that the collective address book system has access to contact information for the person of interest; generating proxy contact data for the person of interest; and providing the proxy contact data to the first user.

Abstract: Methods, and systems for processing a request sent to a virtual assistant management system and for allocating resources, e.g., computing resources, in response to such requests. One of the methods includes: receiving a request; determining a category of the request; determining actions associated with completing the request; using a machine learning model to estimate an amount of time to complete the request based on the category and the actions associated with completing the request, wherein the machine learning model was trained using features characterizing a previous request that was completed by an agent and the time it took the agent to complete the previous request; and rating an agent's performance based in part on a comparison of an amount of time it takes an agent to complete the request and the estimated amount of time to complete the request generated by the machine learning model.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, sharing sensitive information with authorized individuals while reducing the likelihood that the sensitive information will be shared with unauthorized individuals. One of the methods includes receiving from a user an indication that a particular piece of information is sensitive information; automatically individually encrypting the sensitive information; automatically logging each access of the sensitive information; and reporting to the user that the sensitive information has been accessed, wherein the information management system to which the user indicates that a particular piece of information is sensitive information is the same information management system that reports to the user that the encrypted sensitive information has been accessed.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for a collective address book system. One of the methods includes: receiving a request from a user to contact a person of interest; determining that contact information for the person of interest is not available in the user's contact information to which the system has access; determining that the collective address book system has access to contact information for the person of interest; generating proxy contact data for the person of interest; and providing the proxy contact data to the first user.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for a collective address book system. One of the methods includes: receiving a request from a user to contact a person of interest; determining that contact information for the person of interest is not available in the user's contact information to which the system has access; determining that the collective address book system has access to contact information for the person of interest; generating proxy contact data for the person of interest; and providing the proxy contact data to the first user.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for resolving inconsistencies in information graphs.

Abstract: A method includes receiving a request for registered payment options associated with a user computing device, where the request includes an identifier uniquely identifying one of the user computing device and the user. The method includes identifying one or more payment options associated with the device identifier, where each of the one or more payment options is associated with respective payment instrument information. The method includes providing one or more codes, where each code of the one or more codes identifies a respective payment option of the one or more payment options. The method includes receiving a first code of the one or more codes and transaction information. The method includes accessing, based upon the first code, payment instrument information associated with the payment option identified by the first code, and causing the processing of the payment instrument information in relation to a transaction identified by the transaction data.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, sharing sensitive information with authorized individuals while reducing the likelihood that the sensitive information will be shared with unauthorized individuals. One of the methods includes receiving from a user an indication that a particular piece of information is sensitive information; automatically individually encrypting the sensitive information; automatically logging each access of the sensitive information; and reporting to the user that the sensitive information has been accessed, wherein the information management system to which the user indicates that a particular piece of information is sensitive information is the same information management system that reports to the user that the encrypted sensitive information has been accessed.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for identifying user-specific values for entity attributes. One of the methods includes maintaining data representing a particular cluster of a plurality of claims about a particular entity, wherein each claim is an assertion by a respective claimant about an attribute value of the particular entity; receiving a request for a value of a particular attribute of the particular entity that has been submitted by a requesting user; determining, from attribute values for the particular attribute identified by the claims in the particular cluster, a user-specific attribute value for the particular attribute value; and providing the user-specific attribute value in response to the request.

Abstract: Methods and systems for facilitating a digital wallet transaction are described herein. A service provider identifies and recommends the most applicable digital wallets for a user based on various factors, such as user location, type and amount of purchase, type of merchant, and/or mood of the user. The service provider may also rank the recommended digital wallets and/or determine how many should be presented to a user. During merchant checkout, the user is presented with the recommended digital wallets, and the user selects one of the digital wallets to fund the purchase.