Abstract: A user signs into an application via a user computing device at a merchant system location. The user computing device receives an identifier from a beacon device at the location to transmit to an account management system. The account management system transmits facial templates to the merchant camera device for users who are signed in to the application in range of the merchant beacon device. The user approaches a point of sale device to purchase a restricted product or service. The merchant camera device compares a captured facial image against the received facial templates to identify the user. A merchant POS device operator, after determining that the user is eligible for the restricted product or service based on account information of the user, selects a payment account of the user. The merchant POS device transmits transaction details to the account management system, which processes the transaction with an issuer system.

Abstract: The present disclosure provides systems and methods for intervention optimization. A computing system obtain an entity history of each of a plurality of entities of a computer application. For each of the plurality of entities, the computing system can determine a respective probability that each of a plurality of available interventions will improve an objective value that is determined based at least in part on a measure of continued use of a computer application by the entity. The computing system can provide interventions of the plurality of available interventions to entities of the plurality of entities based at least in part on the respective probabilities determined via the machine-learned intervention selection model. Thus, a computing system can employ a machine-learned intervention selection model to select, on an entity-by-entity basis, interventions that are predicted to prevent the entity from churning out of the computer application.

Abstract: A user signs into an application via a user computing device at a merchant system location. The user computing device receives an identifier from a beacon device at the location to transmit to an account management system. The account management system transmits facial templates to the merchant camera device for users who are signed in to the application in range of the merchant beacon device. The user approaches a point of sale device to purchase a restricted product or service. The merchant camera device compares a captured facial image against the received facial templates to identify the user. A merchant POS device operator, after determining that the user is eligible for the restricted product or service based on account information of the user, selects a payment account of the user. The merchant POS device transmits transaction details to the account management system, which processes the transaction with an issuer system.