Abstract: Systems and methods are described for analyzing user data, for instance for eligibility of a user for one or more programs. The user data is analyzed in two or more stages, with each stage including rules and/or program qualification criteria specific to that stage. In some examples, the systems and methods used trained machine learning models for at least one stage of the analysis. The systems and methods disclose identifying one or more programs that the user is eligible for, and in some cases, applying the one or more programs to the user's account.

Abstract: Examples presented herein describe secure point of sale (POS) operations. One example is a method including receiving, at a mobile device, a communication associated with a custom tender payment for a secure transaction payment, where the mobile device includes a custom payment application configured for the secure transaction payment with a point of sale (POS) device. The method includes receiving account data associated with a user account selection for the custom tender payment for the secure transaction payment, transmitting an account signal including the account data, where when the account signal is transmitted to an integration server as part of the secure transaction payment, the account signal is not transmitted to the POS device, and receiving an authorization communication, where when the authorization communication is received by the mobile device from the integration server, the authorization communication is not communicated to the mobile device via the POS device.

Abstract: A method performed by at least one computing device. The method includes receiving a credit request from a self-checkout device before a customer completes an instore checkout process and sending a request for a Uniform Resource Locator (“URL”) to one or more authentication computing devices. The authentication computing device(s) send the URL to the mobile device. The method includes sending a credit application to the mobile device after the customer selects the URL, receiving a submission of the credit application from the mobile device, approving credit based on the submission, and forwarding a code to the mobile device. The code indicates that the credit is to be used to complete the instore checkout process when scanned by the scanner.

Abstract: Disclosed embodiments may provide a framework to implement post-purchase tender switches. For example, following a transaction made with a particular payment instrument, a customer may be offered the ability to apply for a preferred payment instrument and/or to switch his or her tender type to the preferred payment instrument for the previous transaction.

Abstract: Provided herein are systems and methods for producing and using bioadhesives. The bioadhesives may be produced in an Escherichia coli (E. coli) system. The bioadhesives may be used in a variety of different applications, such as industrial or medical applications. The bioadhesives may be used as a binder in Three-Dimensional (3D) printing.

Abstract: Systems and methods are described for analyzing user data, for instance for eligibility of a user for one or more programs. The user data is analyzed in two or more stages, with each stage including rules and/or program qualification criteria specific to that stage. In some examples, the systems and methods used trained machine learning models for at least one stage of the analysis. The systems and methods disclose identifying one or more programs that the user is eligible for, and in some cases, applying the one or more programs to the user's account.

Abstract: Qualification decisioning systems and techniques are described. For instance, a system receives user information that is indicative of a user's income stream and/or asset(s). The system receives product qualification criteria data corresponding to products, with different products corresponding to different product-specific qualification criteria. The product qualification criteria data can change over time. The system dynamically analyzes the user information and the product qualification criteria data using a trained machine learning (ML) model in real-time as the user information and the product qualification criteria data continue to be received. The trained ML model identifies a subset of the plurality of products that the user qualifies for at a specific time. The system outputs recommendations for the subset of the plurality of products.

Abstract: A computer-implemented method may include emitting a presence audial tone at a point-of-sale device. The presence audial tone denotes a presence of the point-of-sale device. When the presence audial tone is received at a user device, the user device establishes a secure communications session with the point-of-sale device. The method may include receiving a confirmation audial tone through the secure communications session at the point-of-sale device. The confirmation audial tone encodes payment confirmation corresponding to a transaction. The method may include determining expected characteristics of the confirmation audial tone using an algorithmic library. The method may include comparing the confirmation audial tone against the expected characteristics to authenticate the transaction. The method may further include processing the authenticated transaction by demodulating the confirmation audial tone to obtain the payment confirmation. Related systems and computer-readable medium are described.

Abstract: The use of bacteria-based binders to bind and strengthen 3D printed compositions; bio-plastic 3D printing materials comprised of combinations of particles of organic substrates such as coffee, pistachio shells and coconut shells, as well as sand (and combinations of one or more of the foregoing); processes for creating scent-free bio-plastic 3D printing material and products from such particles; the application of a copper finish, chrome finish and powder finish to bio-plastics made from such particles; and products and fixtures, such as sinks, toilets, faucets, coffee mug molds, lighting fixtures, and coffee cups, comprising non-flammable bio-plastic created by a process of 3D printing from such particles. Processes for imparting color or structure or surface texture to these and binding and strengthening them using enzyme-secreting bacteria.

Abstract: An application executed on a user device receives a request to initiate a transaction with an entity associated with a device implemented at a point-of-sale. The application detects that the user device is proximate to the device and detects an audial tone that encodes information corresponding to an entity associated with the device. The application transmits a request to transfer a payment to the entity, wherein the request includes the information and a payment amount for the payment. When the request is received by a payment processing system, the payment processing system transfers the payment to the entity and provides a confirmation for the payment. The application broadcasts a confirmation audial tone that encodes the confirmation. When the confirmation audial tone is received at the device, the device demodulates the confirmation audial tone to provide the confirmation to the entity.

Abstract: Systems and methods provide a framework through which automatic reimbursement for adjudicated claims is performed through dynamic evaluation of claims and of available reimbursement methods. In response to a reimbursement request, a system, through dynamically trained machine learning algorithms, can dynamically generate different reimbursement method recommendations. For a selected reimbursement method, the system can further automatically interact with different payment instrument services to ensure that corresponding payment instruments can be used for the reimbursements. This interaction can be facilitated through the use of tokenized payment instruments provided by these payment instrument services.

Abstract: Imaging systems and techniques are described. In some examples, an imaging system receives an image captured by an image sensor. The imaging system determines that an image region in the image includes a depiction of an object of a specified category. The imaging system adjusts a hue (and/or saturation and/or brightness) of at least one pixel of the depiction of the object in the image region to a specified hue (and/or saturation and/or brightness) to generate a processed image.

Abstract: Disclosed embodiments may provide a framework to implement post-purchase tender switches. For example, following a transaction made with a particular payment instrument, a customer may be offered the ability to apply for a preferred payment instrument and/or to switch his or her tender type to the preferred payment instrument for the previous transaction.

Abstract: A method performed by at least one computing device. The method includes receiving a credit request from a self-checkout device before a customer completes an instore checkout process and sending a request for a Uniform Resource Locator (“URL”) to one or more authentication computing devices. The authentication computing device(s) send the URL to the mobile device. The method includes sending a credit application to the mobile device after the customer selects the URL, receiving a submission of the credit application from the mobile device, approving credit based on the submission, and forwarding a code to the mobile device. The code indicates that the credit is to be used to complete the instore checkout process when scanned by the scanner.

Abstract: The use of bacteria-based binders to bind and strengthen 3D printed compositions; bio-plastic 3D printing materials comprised of combinations of particles of organic substrates such as coffee, pistachio shells and coconut shells, as well as sand (and combinations of one or more of the foregoing); processes for creating scent-free bio-plastic 3D printing material and products from such particles; the application of a copper finish, chrome finish and powder finish to bio-plastics made from such particles; and products and fixtures, such as sinks, toilets, faucets, coffee mug molds, lighting fixtures, and coffee cups, comprising non-flammable bio-plastic created by a process of 3D printing from such particles. Processes for imparting color or structure or surface texture to these and binding and strengthening them using enzyme-secreting bacteria.

Abstract: A coffee grinder suitable for home use can include a housing that receives coffee beans, a grinding component within the housing, a removable container that receives coffee grounds dispensed from the grinding component, and a base located beneath the grinding component that supports the container. Magnetic components in the base and removable container can optimally align the container when placed atop the base. A knocker system can dislodge ground coffee residue into the container when actuated. An intelligent drive system can utilize feedback to drive the grinding component at a constant speed to minimize coffee grounds size variances. A grinds chamber in the housing can define an asymmetrical cross-sectional geometry. An auger that drives the grinding component can have an outer thread that forces coffee beans through the grinds chamber, and a grinds chamber housing can include a protective shoulder that covers a lead-in portion of the outer thread.

Abstract: Disclosed embodiments may provide a framework to implement post-purchase tender switches. For example, following a transaction made with a particular payment instrument, a customer may be offered the ability to apply for a preferred payment instrument and/or to switch his or her tender type to the preferred payment instrument for the previous transaction.

Abstract: Disclosed embodiments may provide a framework to implement post-purchase tender switches. For example, following a transaction made with a particular payment instrument, a customer may be offered the ability to apply for a preferred payment instrument and/or to switch his or her tender type to the preferred payment instrument for the previous transaction.

Abstract: A method performed by at least one computing device. The method includes receiving a credit request from a self-checkout device before a customer completes an instore checkout process and sending a request for a Uniform Resource Locator (“URL”) to one or more authentication computing devices. The authentication computing device(s) send the URL to the mobile device. The method includes sending a credit application to the mobile device after the customer selects the URL, receiving a submission of the credit application from the mobile device, approving credit based on the submission, and forwarding a code to the mobile device. The code indicates that the credit is to be used to complete the instore checkout process when scanned by the scanner.

Abstract: An application executed on a user device receives a request to initiate a transaction with an entity associated with a device implemented at a point-of-sale. The application detects that the user device is proximate to the device and detects an audial tone that encodes information corresponding to an entity associated with the device. The application transmits a request to transfer a payment to the entity, wherein the request includes the information and a payment amount for the payment. When the request is received by a payment processing system, the payment processing system transfers the payment to the entity and provides a confirmation for the payment. The application broadcasts a confirmation audial tone that encodes the confirmation. When the confirmation audial tone is received at the device, the device demodulates the confirmation audial tone to provide the confirmation to the entity.