Abstract: A method for pre-authorizing a credit transaction may include receiving a pre-authorization request including a request identifier, a user identifier, a pre-authorization amount, a time duration identifier, and a vendor identifier, transmitting the pre-authorization request to a server remote from the user device, receiving a pre-authorization confirmation including the request identifier, a confirmation identifier, and a time duration identifier, and displaying a confirmation message that the pre-authorization request has been approved.

Abstract: A method for pre-authorizing a credit transaction may include receiving a pre-authorization request including a request identifier, a user identifier, a pre-authorization amount, a time duration identifier, and a vendor identifier, transmitting the pre-authorization request to a server remote from the user device, receiving a pre-authorization confirmation including the request identifier, a confirmation identifier, and a time duration identifier, and displaying a confirmation message that the pre-authorization request has been approved.

Abstract: A method for pre-authorizing a credit transaction may include receiving a pre-authorization request including a request identifier, a user identifier, a pre-authorization amount, a time duration identifier, and a vendor identifier, transmitting the pre-authorization request to a server remote from the user device, receiving a pre-authorization confirmation including the request identifier, a confirmation identifier, and a time duration identifier, and displaying a confirmation message that the pre-authorization request has been approved.

Abstract: A method for pre-authorizing a credit transaction may include receiving a pre-authorization request including a request identifier, a user identifier, a pre-authorization amount, a time duration identifier, and a vendor identifier, transmitting the pre-authorization request to a server remote from the user device, receiving a pre-authorization confirmation including the request identifier, a confirmation identifier, and a time duration identifier, and displaying a confirmation message that the pre-authorization request has been approved.

Abstract: A device receives a request for a trust designation for a user that is to utilize a merchant application to interact with one or more other users, wherein the merchant application includes one or more interfaces that allow the user to interact with the one or more other users while remaining anonymous or partially anonymous. The device obtains user data for the user based on information included in the request. The device determines the trust designation for the user by using a data model that has been trained using machine learning to process the user data. The device permits at least one of the one or more interfaces of the merchant application to display the trust designation, wherein the user remains anonymous or partially anonymous while the trust designation is displayed.

Abstract: A computer-implemented method for processing a transaction may include obtaining first activity data of an electronic device associated with a user, wherein the first activity data includes at least a first action pattern performed by the user with the electronic device; determining a status of the electronic device based on the first activity data, wherein the status of the electronic device includes an active status of the electronic device enabling the electronic device to process the transaction; obtaining second activity data of the electronic device based on the status of the electronic device, wherein the second activity data includes at least a second action pattern performed by the user with the electronic device; determining transaction data associated with the transaction based on the second activity data, wherein the transaction data includes at least a transaction amount of the transaction; and processing the transaction based on the transaction data.

Abstract: A device receives a request for a trust designation for a user that is to utilize a merchant application to interact with one or more other users, wherein the merchant application includes one or more interfaces that allow the user to interact with the one or more other users while remaining anonymous or partially anonymous. The device obtains user data for the user based on information included in the request. The device determines the trust designation for the user by using a data model that has been trained using machine learning to process the user data. The device permits at least one of the one or more interfaces of the merchant application to display the trust designation, wherein the user remains anonymous or partially anonymous while the trust designation is displayed.

Abstract: Systems and methods are disclosed for processing payments. For example, a method may include: receiving, from a mobile device associated with a user, a code and a request to enable the code to be usable to open a payment channel for receiving payment from an account of the user; receiving, from a merchant system associated with a merchant, a request to use the code to open the payment channel; receiving, from the merchant system, information indicative of a payment to be made to an account of the merchant via the payment channel; receiving, from the mobile device, geolocation information indicative of a geolocation of the mobile device; determining whether there is a location match between the geolocation of the mobile device indicated by the geolocation information and a point of sale location of the merchant; and processing the payment.

Abstract: A device receives a request for a trust designation for a user that is to utilize a merchant application to interact with one or more other users, wherein the merchant application includes one or more interfaces that allow the user to interact with the one or more other users while remaining anonymous or partially anonymous. The device obtains user data for the user based on information included in the request. The device determines the trust designation for the user by using a data model that has been trained using machine learning to process the user data. The device permits at least one of the one or more interfaces of the merchant application to display the trust designation, wherein the user remains anonymous or partially anonymous while the trust designation is displayed.

Abstract: A device receives a request for a trust designation for a user that is to utilize a merchant application to interact with one or more other users, wherein the merchant application includes one or more interfaces that allow the user to interact with the one or more other users while remaining anonymous or partially anonymous. The device obtains user data for the user based on information included in the request. The device determines the trust designation for the user by using a data model that has been trained using machine learning to process the user data. The device permits at least one of the one or more interfaces of the merchant application to display the trust designation, wherein the user remains anonymous or partially anonymous while the trust designation is displayed.

Abstract: A method for pre-authorizing a credit transaction may include receiving a pre-authorization request including a request identifier, a user identifier, a pre-authorization amount, a time duration identifier, and a vendor identifier, transmitting the pre-authorization request to a server remote from the user device, receiving a pre-authorization confirmation including the request identifier, a confirmation identifier, and a time duration identifier, and displaying a confirmation message that the pre-authorization request has been approved.