Abstract: Systems and methods for providing risk determination in a crypto currency transaction include receiving, through a network via a broadcast by a first payer device, a first crypto currency transaction that includes a first payee public address. A first request for a determination of risk associated with the first crypto currency transaction is then identified in the first crypto currency transaction, with the first request including risk criteria. A first payee involved in the first crypto currency transaction is then identified using the first payee public address, and first payee risk information is accessed via at least one external risk information database based on the identification of the first payee. If it is determined that the first payee risk information satisfies the at least one risk criteria in the first request, the first crypto currency transaction is provided for addition to a block in a crypto currency public ledger.

Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for enabling teller based services using an encryption based shared architecture. The teller based service is provided by at least one node or entity in a blockchain. A request and communication between the at least one node and a user, with indication of the node geolocation and ability to provide teller services is exchanged. The node provides access to cash, enables the verification of the user, and updates the ledger upon completion of the transaction.

Abstract: A dispute resolution cryptocurrency sidechain system includes a system provider that determines that a transaction amount for a transaction has been received at a first public ledger address on a public ledger from a second public ledger address and, in response, allocates a sidechain address on a dispute resolution sidechain ledger. The system provider then sends, through a network to a payer and a payee involved in the transaction, the sidechain address, and monitors the sidechain address for dispute communications. Based on detecting a first dispute communication that is received at the sidechain address and that is signed using a private key that identifies the payer, the system provider device causes a portion of the transaction amount that was received at the first public ledger address to be sent to the second public ledger address.

Abstract: A system, including: a non-transitory memory; and one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations including: receiving a transaction request from an endpoint device on a network, wherein the endpoint device is registered with a transaction service provider; locating, based on the transaction request, an authorization token corresponding to a payment mechanism, wherein the authorization token is stored to a memory device of the router; in response to receiving the transaction request, transmitting the authorization token to the transaction service provider to retrieve transaction information from the transaction service provider, wherein the transaction information includes payment data for a user of the endpoint device; and transmitting the transaction information to the upstream network location, wherein the upstream network location includes a merchant server.

Abstract: Blockchain validation is provided by receiving a first validation request of a blockchain. A hashing algorithm is applied to a first block of the blockchain to generate a first hash value. In response to the first validation request of the blockchain, a first image from a plurality of images is provided on a display device. The first image is selected to be provided for display on the display device based on the first hash value. The first image may be compared to a second image that was provided for display on the display device prior to the first validation request and that image was provided based on a second hash value to determine whether the first image and the second image are substantially similar, which indicates that no changes have been made to the data in the blockchain.

Abstract: Dynamic web content personalization may be used to alter a web page such that two different people who view that web page do not see the exact same content on that page. The present disclosure includes techniques that allow a web page to be structured, via underlying source code, so that content can be dynamically generated based on a user transaction history. Further, dynamic content customization can effectively change the layout and functionality of a web page in ways not previously contemplated. For example, different control elements may become accessible based on a particular contextual user profile assigned to a user based on a transaction history. Modular content modules may also have a different appearance for different users.

Abstract: A software architecture is disclosed that provides a more efficient, safe, and re-usable way of generating internet web content. Using a modular web content architecture, independent renderable content modules can be separated out from a main web application such that the modules function as discrete units that are not directly dependent on the web application itself. This organization can be implemented using a module bundler and/or a mid-tier service to provide enforced separation between the independent renderable content modules and the front-end web application. The software architecture discussed herein provides more sophisticated error handling and better flexibility for creating, maintaining, and updating web applications.

Abstract: A hardware device may receive a command from a user and then respond to that command with information. Such commands may cause an audible response to be broadcast via speaker. A device's audio reply to a command may include sensitive details that a person may not wish to share. When a device makes such an audio reply, it may therefore divulge sensitive information to one or more other people that are in listening range. A person utilizing such a device may thus inadvertently compromise his own privacy. The present disclosure includes techniques that are usable to mitigate such privacy exposures by detecting a presence of a second person in a surrounding environment and creating a reply that omits some or all of the sensitive information that might have otherwise been broadcast by a command device.

Abstract: A method for making a location-based automatic payment includes receiving an automatic payment instruction that designates a payee account. The automatic payment instruction is associated with a payer account in a database. A payment location is received and associated with the automatic payment request in the database. A payer device that is associated with the payer account is determined to be in the payment location and, in response, a payment request is sent over a network to make a payment from the payer account to the payee account.

Abstract: A method for providing an indication of financial strength includes receiving a financial indicator and a predetermined spending budget status from a user. The predetermined spending budget status is associated with a spending budget for the user that has at least one payment account. The financial indicator is then associated with the predetermined spending budget status. A payment request that includes one of the at least one payment accounts is then received from a merchant. A current spending budget status is then determined using the spending budget and the at least one payment account. The financial indicator is then sent to the merchant for provision to the user in response to the current spending budget status being included in the predetermined spending budget status.

Abstract: A method and system for tracking web link usage is provided. An example system includes a request detector, a click history module, a link presentation generator, and a serving module. The request detector may be configured to receive a request for a web page comprising a web link. The click history module may be configured to access click history associated with the user account. The link presentation generator may be configured to modify the web page, utilizing the click history. The serving module may be configured to serve the modified web page in response to the request for the web page.

Abstract: The present disclosure involves a method including: receiving a request to access an object from a user; prompting the user to go to a target location; receiving feedback from the user with respect to the user's location; determining, electronically by a processor, whether the user has reached the target location; granting access of the object to the user in response to the determining. The present disclosure involves a system including: a storage storing an electronic item; an electronic communications interface that: detects a request to access the item from an entity and prompts the entity to go to a target location in response to the request; a computer processor that: analyzes feedback from the entity with respect to the entity's location, determines whether the entity's location is sufficiently close to the target location, and grants or denies access of the item to the entity based on the determination.

Abstract: A method and system for tracking web link usage is provided. An example system includes a request detector, a click history module, a link presentation generator, and a serving module. The request detector may be configured to receive a request for a web page comprising a web link. The click history module may be configured to access click history associated with the user account. The link presentation generator may be configured to modify the web page, utilizing the click history. The serving module may be configured to serve the modified web page in response to the request for the web page.

Abstract: A system and method for a trusted fulfillment agent network system is described. A network of trusted fulfillment agents is generated for a seller in an online marketplace. A transaction between a buyer and the seller corresponding to a listing of the seller in the online marketplace is accessed. A request is generated to the network of trusted fulfillment agents of the seller to fulfill a shipment of an item from the listing to the buyer on behalf of the seller.

Abstract: A method for receiving a payment includes receiving information for a transaction with a merchant over the network, wherein the transaction includes an incomplete online transaction associated with a user account. A location of a user device that is associated with the user account is then retrieved, and a payment location is determined that is within a predetermined distance of the location of the user device. The payment location is then sent over the network to the user device. The user of the user device may then go to the payment location to provide payment information offline to a payment location device (e.g., by presenting a payment card to the payment location device provider, providing cash, etc.). That payment information is then received over the network from the payment location device and, in response, the online transaction is completed.

Abstract: The present disclosure involves a method including: receiving a request to access an object from a user; prompting the user to go to a target location; receiving feedback from the user with respect to the user's location; determining, electronically by a processor, whether the user has reached the target location; granting access of the object to the user in response to the determining. The present disclosure involves a system including: a storage storing an electronic item; an electronic communications interface that: detects a request to access the item from an entity and prompts the entity to go to a target location in response to the request; a computer processor that: analyzes feedback from the entity with respect to the entity's location, determines whether the entity's location is sufficiently close to the target location, and grants or denies access of the item to the entity based on the determination.

Abstract: A method for making a location-based automatic payment includes receiving an automatic payment instruction that designates a payee account. The automatic payment instruction is associated with a payer account in a database. A payment location is received and associated with the automatic payment request in the database. A payer device that is associated with the payer account is determined to be in the payment location and, in response, a payment request is sent over a network to make a payment from the payer account to the payee account.

Abstract: A method for restricting a payment from an account based on a user location includes receiving at least one payment location restriction for an account from a user device over a network. The at least one payment location restriction includes at least one authorized user location or at least one unauthorized user location for making payments using the account. The at least one payment location restriction is associated with the account in a database. A request to make a payment using the account is received over the network. A current user location is determined. The request to make the payment is then authorized or denied based, at least partly, on whether the current user location is included in the at least one authorized user location or the at least one unauthorized user location.

Abstract: A method for receiving a payment includes receiving information for a transaction with a merchant over the network, wherein the transaction includes an incomplete online transaction associated with a user account. A location of a user device that is associated with the user account is then retrieved, and a payment location is determined that is within a predetermined distance of the location of the user device. The payment location is then sent over the network to the user device. The user of the user device may then go to the payment location to provide payment information offline to a payment location device (e.g., by presenting a payment card to the payment location device provider, providing cash, etc.). That payment information is then received over the network from the payment location device and, in response, the online transaction is completed.

Abstract: A system and method for a trusted fulfillment agent network system is described. A network of trusted fulfillment agents is generated for a seller in an online marketplace. A transaction between a buyer and the seller corresponding to a listing of the seller in the online marketplace is accessed. A request is generated to the network of trusted fulfillment agents of the seller to fulfill a shipment of an item from the listing to the buyer on behalf of the seller.