Abstract: A computer system for selectively enabling a data transfer method is disclosed. The computer system includes a processor, a communications module, and a memory. The memory stores instructions that, when executed by the processor, cause the computer system to: receive a signal from a remote electronic device via a network using the communications module, the received signal representing information including a context for a transfer of value between a database record associated with a data sender and a database record associated with a data receiver, the context including an identifier for the data receiver; obtain a condition to be satisfied in performing the transfer of value based on the identifier for the data receiver; determine that the condition is satisfied by performing the transfer of value using a particular data transfer method; and enable the transfer of value using the particular data transfer method.

Abstract: In an aspect, a method includes: providing, to a first client device, an invitation configuration interface for display on the first client device, the invitation configuration interface including a selectable option to specify a date associated with an invitation for a milestone event, a selectable option to configure a value storage account, and a selectable option to define a recipient associated with the invitation; receiving, through the invitation configuration interface, a configuration parameter for the value storage account and a messaging address for the recipient; and providing an electronic invitation to the recipient by sending a message to a recipient device using the messaging address, the electronic invitation including a selectable option to send an electronic response to the invitation and a selectable option to transfer value to the value storage account.

Abstract: A point-of-sale terminal includes a card interface, and is configured to receive a plurality of pre-authorization requests, each comprising an authorization and further comprising an account number received from the card interface. The terminal is further configured, in response to each said pre-authorization request, to locate in a pre-authorization database a database record associated with the respective account number, confirm that the respective authorization amount is not greater than an offline authorization threshold, generate an authorization confirmation message comprising the respective account number and the respective authorization amount, and save the authorization confirmation message in a clearing database. The terminal is further configured to generate a clearing payload comprising the plurality of saved authorization confirmation messages, and transmit the clearing payload over a computer network.

Abstract: The present disclosure involves systems, software, and computer implemented methods for augmenting ping timing for mobile devices based on contextual analysis of a current data exchange based on historical data exchange data. One example system includes operations such as receiving information related to a current data exchange associated with a particular user profile. The current data exchange can be associated with a particular location, and each user profile can be associated with at least one data exchange pattern, where the data exchange pattern identifies a locational and a data exchange history of the user profile. The current data exchange is compared to a data exchange pattern of the particular user profile. If the current data exchange does not correspond, a request for the user's current location is transmitted to an associated user device. If the current data exchange does correspond, the current data exchange is associated with the particular location.

Abstract: Systems and methods are provided that use a trained process to reply to a request comprising query data defining a query and context data defining contextual factors for the query from a device. The query is answered by one or more selected APIs of a plurality of APIs that invoke respective services to prepare a response. The trained process determines an execution plan responsive to the query data and the context data and is configured using training to define execution plans comprising selected APIs where a particular API is selected for the plan if it answers at least a portion of the query and the selected APIs together prepare the response optimized for the device according to the context data. The plan is provided to an execution component to execute the plan using the selected APIs and send the response to the requesting device.

Abstract: Methods and systems for providing a graphical user interface to a computing device are described. In one aspect, a method includes: providing a first portion of the graphical user interface to the computing device, the first portion of the graphical user interface including an interface element for receiving input through an input interface associated with the computing device; receiving input received at the interface element; determining an eligibility metric based on the input; comparing the eligibility metric to eligibility criteria; and when the eligibility metric does not satisfy the eligibility criteria, providing, to the computing device, a second portion of the graphical user interface, the second portion of the graphical user interface having a greater completion complexity than a third portion of the graphical user interface, the third portion of the graphical user interface being provided when the eligibility metric satisfies the eligibility criteria.

Abstract: Systems, devices and methods for delivering audible alerts are described. In one aspect, an event for generating an audible alert for a user is detected. In response to detection of the event for generating for the audible alert, an audible interface device for delivery of the audible alert based on a location of a personal electronic device of the user is selected. It is determined whether a personal electronic device of another user is within a threshold distance of the selected audible interface device. In response to determining that the personal electronic device of another user is within the threshold distance of the selected audible interface device, an audible identifier associated with the user is determined. Alert instructions for the audible interface device are generated and sent to the audible interface device over a wireless network via a communication module.

Abstract: A method for processing a resource request is disclosed. The method includes: receiving a first resource request including a quantity of a first resource that is requested, an identity of a requester, and first asset data for a first asset; accessing a first database to identify two or more second assets different from the first asset based on determining that location information associated with the second assets satisfies at least one predetermined condition relating to the location information associated with the first asset; retrieving second asset data for the second assets; transmitting a second request to an asset valuation database to obtain real-time asset value data for the first asset based on the retrieved second asset data; receiving the asset value data for the first asset; generating approval data indicating whether the first resource request is approved; and transmitting the approval data to the first client device.

Abstract: Systems, devices and methods for delivering audible alerts are described. In one aspect, an event for generating an audible alert for a user is detected. In response to detection of the event for generating the audible alert, it is determined whether an authorized audible interface device is within a threshold distance of the user based on a location of the user and a location of one or more authorized audible interface devices. In response to determining that an audible interface device is within the threshold distance of the user, alert instructions for the audible interface device are generated. The alert instructions cause the audible interface device to generate the audible alert in accordance with alert data provided in the alert instructions. The alert instructions are sent to the audible interface device over a wireless network via a communication module.

Abstract: There may be provided a processor-implemented method of causing annotation data to be overlaid on a viewport. The method may include: receiving a signal comprising image data, the image data representing a first document; performing optical character recognition on the image data to identify text in the first document; automatically analyzing the text based on stored classification data to identify a first parameter associated with the first document; comparing the first parameter to a second parameter, the second parameter being obtained from a data store and being associated with a second document; determining annotation data based on the comparison, the annotation data determined based on the first parameter and the second parameter; and providing a signal that includes an instruction to cause the annotation data to be overlaid on a viewport displaying a real-time image of the first document.

Abstract: A computer system for transferring value between database records includes a memory storing instructions that, when executed by a processor, cause the computer system to: receive configuration options for configuring a particular transfer of value between database records and specifying a graphical element to be provided upon completion of the transfer and an email address; send a request to a communications server including the email address for use as a destination for a communication indicating that the transfer has been initiated including an indication of an identifier for the transfer; store an indication of the graphical element in association with the identifier; receive a request to complete the transfer indicating the identifier; retrieve the indication of the graphical element based on the identifier; confirm the transfer; and send a reply indicating completion of the transfer including an indication of the retrieved indication of the graphical element.

Abstract: The present disclosure involves systems, software, and computer implemented methods for a remittance system that pre-populates remittance data based on historical usage of remittance transactions. One example system includes operations to generate, using a predictive model, data indicating a predicted likelihood of a user selecting at least one data exchange transaction, wherein the data indicates the predicted likelihood of the user performing the at least one data exchange transaction. A request is received to access a remittance page. In response, the at least one data exchange transaction that was previously generated is selected from a repository of predicted likelihoods. Remittance data associated with a UI element is generated that includes the at least one data exchange transaction. The remittance data is transmitted to the device. An indication from the device is received for interacting with the UI element. The data exchange transaction is executed in response to receiving the indication.

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 disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, dynamically provision and initiate exchanges of data between network-connected devices and systems based on aggregated contextual information. For example, a network-connected apparatus may obtain (i) first data identifying first exchanges of data initiated during a first temporal interval, (ii) second data identifying a current parameter value of the first data exchanges, and (iii) third data identifying a status of an account involved in the first data exchanges. Based on the first, second, and third data, the apparatus may compute a value indicative of a probability of an initiation of a second data exchange involving the account during a second temporal interval. Further, when the computed value is consistent with an alert criterion, the apparatus may transmit alert data characterizing the second data exchange to a device for display within an interface.

Abstract: Methods and systems for transferring a user session between at least two electronic devices are described. The user session is conducted as an audible session via an audible interface provided by a primarily audible first electronic device. Input data is received from the audible interface, wherein the input data causes the audible interface to progress through audible interface states. A current audible interface state is mapped to a visual interface state defined for a visual interface. The mapped visual interface state is pushed to a second electronic device having a visual output device for displaying the visual interface, to enable the user session to be continued as a visual session on the second electronic device.

Abstract: Methods and systems for transferring a user session between at least two electronic devices are described. The user session is conducted as an audible session via an audible interface provided by a primarily audible first electronic device. Input data is received from the audible interface, wherein the input data causes the audible interface to progress through audible interface states. A current audible interface state is mapped to a visual interface state defined for a visual interface. The mapped visual interface state is pushed to a second electronic device having a visual output device for displaying the visual interface, to enable the user session to be continued as a visual session on the second electronic device.

Abstract: A computer system for transferring value between database records includes a memory storing instructions that, when executed by a processor, cause the computer system to: receive configuration options for configuring a particular transfer of value between database records and specifying a graphical element to be provided upon completion of the transfer and an email address; send a request to a communications server including the email address for use as a destination for a communication indicating that the transfer has been initiated including an indication of an identifier for the transfer; store an indication of the graphical element in association with the identifier; receive a request to complete the transfer indicating the identifier; retrieve the indication of the graphical element based on the identifier; confirm the transfer; and send a reply indicating completion of the transfer including an indication of the retrieved indication of the graphical element.

Abstract: The present disclosure involves systems, software, and computer implemented methods for personalizing interactions within a conversational interface based on an input context. One example system performs operations including receiving a conversational input received via a conversational interface. The conversational input is analyzed to determine an intent and lexical personality score based on the input's characteristics. A set of responsive content is determined and includes a set of initial tokens representing an initial response. A set of synonym tokens associated with at least some of the initial tokens are identified, and at least one synonym token associated with a similar lexical personality score to the input is determined. At least one of the initial tokens are replaced with the determined synonym token to generate a modified version of the set of response content. The modified version of the response is then transmitted to a device in response to the input.

Abstract: An EMV-session data network includes a POS terminal and at least one computer server. The POS terminal is configured to receive ledger data and a cryptogram from a communications appliance, extract an account identifier from the ledger data, and transmit to the server an authorization request message that includes the account identifier, the authorization value and the cryptogram. The server is configured to transmit to the POS terminal an authorization response message that confirms that the cryptogram was generated by the communications appliance from the account identifier and the authorization value. The POS terminal is further configured to extract a token from the ledger data and to transmit to the server a loyalty rewards request message that includes the token. The server is further configured to initiate a points reward to an account that is associated with the token.

Abstract: The present disclosure involves systems, software, and computer implemented methods for identifying locations associated with particular users in response to requests from a visitor or fellow user. One example system includes a communications module, a plurality of sensors located in a defined area configured to at least partially determine locations of at least one person, and a location database including location information received from the sensors associating particular persons with particular locations associated with particular sensors. A request for a location associated with a particular person is received from a first device. A current location associated with one of the plurality of sensors is determined from the location database, wherein the current location is also associated with the particular person. A response to request is generated including the current location and is transmitted to the first device.