Abstract: A computer-implemented method for allocating resources includes identifying event conditions matched by events identified based on a monitoring of events associated with an account. Modifiers associated with the matched event conditions are retrieved. An account modifier is computed based on the modifiers. A selected quantity of resources is determined by modifying a base resource level based on the account modifier and allocated for use in association with the account. The allocating includes initiating a blockchain transaction to update a distributed ledger to indicate the quantity of resources in association with an address associated with the account. The events are associated with consumption of computing resources. The modifiers associated with particular event conditions are updateable based on a comparison of computing resources consumed by events matching the particular event conditions with a resource allocation for those events. Related systems and computer-readable media are also disclosed.

Abstract: A ledger update network includes a terminal and a server. The server includes or in communication with a database of ledgers each uniquely associated with an identifier. The terminal receives a primary value and one of the identifiers; generates a request message that includes the identifier and the primary value; and generates an update command by (i) selecting a rule from a database, and (ii) generating a secondary value from the selected rule. The update command includes the identifier and the secondary value. The terminal transmits the request message and the update command to the server. The server transmits to the terminal an authorization response that confirms authorization of a transaction characterized by the identifier and the primary value. Without referencing the database and without first responding to the update command, the server posts the secondary value to the ledger that is associated with the identifier.

Abstract: A method for authenticating a wearable device is disclosed. The method includes: receiving, a signal representing an indication that the wearable device is in active use; in response to receiving the signal, updating a device database to associate a first status with the wearable device; receiving, from a tokenization service provider (TSP), a signal representing a first code derived by the TSP from decrypting a security token previously provisioned in the wearable device, wherein the security token was received at a terminal from the wearable device and transmitted to the TSP; obtaining, based on the received first code, a device identifier of the wearable device and an identifier of an account; querying the device database to verify that the wearable device is associated with the first status; verifying that the account is enabled for an operation initiated using the wearable device; and transmitting an authorization message to the terminal, the authorization message authorizing the operation.

Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, authorize initiated exchanges of data in real-time based on dynamically generated tokenized data. For example, an apparatus may receive first positional data identifying a first geographic position of a client device and based on the first positional data, the apparatus may determine a value of a parameter characterizing an exchange of data between the client device and a terminal device disposed proximate to the client device during a temporal interval. The apparatus may transmit data requesting a pre-authorization of the data exchange to a computing system, which perform operations that pre-authorize the data exchange in accordance with the parameter value and transmit a digital token representative of the pre-authorized data exchange to the terminal device. The digital token may be valid during the temporal interval and may include a cryptogram associated with the client device.

Abstract: The disclosed exemplary embodiments include computer-implemented devices, apparatuses, and processes that, among other things, perform dynamic biometric authentication based on distributed ledger data. For example, a device may compute a first hash value based on first biometric data captured by a sensor unit, and may transmit a request to, and receive a response from, a computing system across a communications network via the communications unit. The request may cause the computing system to execute instructions maintained within the distributed ledger data, and to extract second biometric data maintained within an element of the distributed ledger data. The second biometric data may include a second hash, which the computing system may incorporate into the response. The device may authenticate an identity associated with the device when the first hash value corresponds to the second hash value incorporated within the response.

Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, generate and provision digital tokens based on dynamically obtained contextual data. For example, an apparatus may receive first information that characterizes an exchange of data initiated by a first application program executed by the apparatus, and may generate and transmit a signal to a computing system through a programmatic interface associated with a second application program executed by the apparatus. In some instances, the first signal may include the first information and data that instructs the computing system to obtain a digital token representative of a data type available for use in the data exchange. The apparatus may also receive a second signal that includes the digital token and based on the digital token, perform operations that present second information characterizing the available data type on an interface.

Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, dynamically authorize pre-stages data exchanges based on contextual data. For example, an apparatus may receive first data characterizing an initiation of a first exchange of data between a client device and a terminal device. Based on the first data, the apparatus may obtain second data that characterizes an expected initiation of a second exchange of data during a corresponding temporal interval, which may be specified relative to an initiation time of the first data exchange. The apparatus may generate and transmit, to a computing system, pre-authorization data that requests a pre-authorization of the second data exchange to a computing system. The pre-authorization data may include a portion of the second data and may instruct the computing system to pre-authorize the second data exchange in accordance with the second data.

Abstract: A computer-implemented method for processing images of a document is disclosed. The method includes: capturing an image of at least part of a document by a camera of an electronic device, the document having one or more data fields; determining, by the electronic device, one or more data entry items from analyzing the one or more data fields in the image; and displaying, on a display of the electronic device, a live view image of the document with annotation overlays on the live view image, each annotation overlay containing a respective one of the one or more data entry items and being displayed in association with its respective data field in the live view image.

Abstract: A computer-implemented method for processing images of a document is disclosed. The method includes: capturing an image of at least part of a document by a camera of an electronic device, the document having one or more data fields; determining, by the electronic device, one or more data entry items from analyzing the one or more data fields in the image; and displaying, on a display of the electronic device, aim a preview of the document including annotation overlays on the preview, each annotation overlay containing a respective one of the one or more data entry items and being displayed in association with its respective data field in the preview.

Abstract: Mobile communications devices, systems and methods are provided for identifying a risk of fraudulent activity associated with a merchant before a user executes a transaction with the merchant. In an embodiment, a mobile communications device obtains first information identifying prior instances of fraudulent activity associated with a merchant. The mobile communications device may determine a level of risk of fraudulent activity associated with the merchant based on the obtained first information, and may identify, based on the determined risk level, one or more payment instruments and associated incentives appropriate for financial services transactions involving the merchant. The mobile communications device may present, to a user, a notification including the identified payment instruments and associated incentives prior to execution of a transaction between the user and the merchant.

Abstract: An electronic device for indicating selection of a data transfer method is disclosed. A processor is coupled to an input interface module and an output interface module. A memory is coupled to the processor and stores an application comprising instructions to cause the device to display indications corresponding to a plurality of data transfer methods via the output interface module, receive a selection of one of the methods for use in making a subsequent data transfer, retrieve a graphical element corresponding to the selected method, configure the device for making data transfers using the selected method, and indicate the device is operable to perform data transfers using the selected method by presenting the graphical element in the interface of the application whenever the interface is displayed via the output interface module or by modifying an icon for launching the application to correspond to the graphical element.

Abstract: A computing device and method for managing an account. A computer displays a historical timeline and an event placement timeline. Past events are shown along the historical timeline, and future events along the event placement timeline. The computer suggest a change to the timing of one of the events. The user moves a movable object to the proposed timing to reschedule the event. The settings of the account are modified to automatically execute that event at the new timing.

Abstract: The disclosed embodiments include processes that manage a cryptographically secure generation and exchange of data between network-connected systems operating within a computing environment using a permissioned distributed ledger. For example, and based on secure interaction with a distributed smart contract maintained within ledger blocks of the permissioned distributed ledger, an apparatus and a counterparty system may generate local symmetric encryption keys that facilitate a secure communication session between the apparatus and the counterparty system. Using the symmetric encryption key, the apparatus may generate a cryptographically secure representation of generated or obtained data, which may be transmitted to the counterparty system across the secure communications channel.

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: The present application provides monitoring and managing usage of one or more network-connected devices over a network. The network-connected devices may include devices connected to the Internet of Things (IoT). Some aspects provide systems, methods and computing devices for: receiving usage and rate data associated with network-connected device(s); determining device expenditure data based on the usage and rate data; obtaining allocation information pertaining to a time period; updating information associated with one or more data files with the device expenditure data; comparing the updated information to the allocation information; and determining whether an allocation indicated by the allocation information for the time period is feasible.

Abstract: Methods and devices for generated and handling an alert are described. In one aspect, an electronic device includes an input interface and an output interface. The electronic device also includes a memory storing an application and a processor coupled to the input interface, the output interface and the memory. The processor is configured to generate a selectable alert on the output interface while the electronic device is in a device lock mode. The selectable alert is associated with the secure application. The processor is also configured to, while the electronic device is in the device lock mode, receive, from the input interface, a signal representing a command to activate the selectable alert. The processor is also configured to, responsive to receiving the command to activate the selectable alert, execute a secure event in the secure application while the electronic device remains in the device lock mode.

Abstract: The disclosed embodiments include computerized systems and methods for generating secured blockchain-based ledger data structures that track occurrences of events across fragmented and geographically dispersed lines-of-business of an enterprise. In one instance, an apparatus associated with a rules authority of the secured blockchain-based ledger may detect an occurrence of a triggering event, and may access and decrypt a set of rules hashed into the secured blockchain-based ledger using a confidentially-held master cryptographic key. The apparatus may identify a rule associated with the detected event, and perform one or more operations consistent with the rule, including a disbursement of various rewards to employees in response to customer-specific interactions with the enterprise. The disclosed embodiments provide a rules process for aggregating mutually incompatible enterprise data that specifies the events, and for tracking the events in uniform data structures accessible across the enterprise.

Abstract: The disclosed embodiments include computerized systems and methods for generating secured block-chain-based ledger data structures that track subdivide ownership and usage of one or more assets, such as Internet-connected devices. In one instance, an apparatus associated with a rules authority of the secured block-chain-based ledger may detect an occurrence of a triggering event related to at least one of partial ownership interests in the assets, and may access and decrypt a set of rules hashed into the secured block-chain-based ledger using a confidentially-held master cryptographic key. The apparatus may identify a rule associated with the detected event, and perform one or more operations consistent with the rule, including a generation of additional data blocks reflecting a change in at least one of the partial ownership interests, and additionally or alternatively, processes that adaptively monitor a compliance of one or more partial owners with an Imposed usage restriction.

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.

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 via a conversational interface associated with a particular user profile. The input is analyzed via a natural language processing engine to determine an intent and a personality input type. A persona response type associated with the determined personality input type is identified, and responsive content is determined. A particular persona associated with the particular user profile based on a related set of social network activity information associated with the user profile and that corresponds to the identified persona response type is identified.