Abstract: Novel technical ways of facilitating secured execution of blockchain transactions are presented. In various embodiments, a system, comprises a non-transitory memory comprising instructions; and one or more hardware processors coupled to the non-transitory memory and configured to read the instructions to cause the system to perform operations comprising: detecting a request from a first user to access one or more digital assets of a first digital wallet of a second user; in response to detecting the request, determining whether to provide access to the one or more digital assets to the first user based on one or more factors, wherein the one or more factors includes a location of the first user, a location of the second user, or one or more characteristics of the first user; and restricting the first user from accessing the one or more digital assets based on the one or more factors.

Abstract: Methods and systems described herein may implement blockchain cryptocurrency transactions in a variety of environments. An online transaction processor may provide operations for user activity detection for locking cryptocurrency conversions. The transaction processor may detect used activities for a user online or at a physical location and determine that those activities indicate that the user will engage in electronic transaction processing at an upcoming time. The transaction processor may determine that the user has available cryptocurrency and may want to convert at least a portion of the cryptocurrency to another currency for the electronic transaction processing. Using a cryptocurrency exchange, the transaction processor may determine a price to convert the cryptocurrency to the other currency and may lock that price for a time period for the user. A notification may be transmitted to the user with a user interface element to accept this offer.

Abstract: Novel technical ways of facilitating secured execution of blockchain transactions are presented. In various embodiments, A system, comprising a processor and a non-transitory computer-readable medium having stored thereon computer-executable instructions that are executable by the processor to cause the processor to perform operations comprising: receiving a set of biometric identifiers; in response to receiving the set of biometric identifiers, validating the set of biometric identifiers; in response to validating the set of biometric identifiers, encoding, using a synthesizer, the set of biometric identifiers with a digital-key to generate a multi-factor signature; and causing a block-chain transaction to be executed using the multi-factor signature.

Abstract: A system and method allows for a virtual object to be privately shared, exchanged, and/or viewed. The virtual object is associated with a real world location and may be viewed through a user device as part of a virtual reality and/or augmented reality world.

Abstract: Techniques are disclosed in which an edge user computing device pre-processes a stream of user data prior to using the stream of data to train a machine learning model at the edge device. The edge device receives the stream of user data, where the stream of data includes a first set of characteristics associated with the edge device and a second set of characteristics associated with a plurality of user requests received from a user of the edge device. The edge device repeatedly generates, using the stream of data, sets of pre-processed user data by performing pre-processing techniques on characteristics included in the stream of data. The edge device repeatedly trains, using the sets of pre-processed data, a baseline model to generate a device-trained model, where the baseline model is trained at the edge device without providing user data included in the stream of data to a server computer system.

Abstract: There are provided systems and methods for initiating a device security setting on detection of conditions indicating a fraudulent capture of a machine-readable code. A service provider, such as an electronic transaction processor for digital transactions, may provide in-person or device-to-device data transfers through machine-readable codes, such as to effectuate a payment from one mobile device to another. However, unauthorized devices may be in close enough proximity to also capture the code and impermissibly use the code. Thus, device security settings are used to detect whether fraud may occur in certain settings and implement an operation to hide a valid code. This may include operations to obtain information for the unauthorized device, make the code dynamic, or mask the code in a display. Once a nearby valid scanner is detected, such as through emitted light or sound, the valid code may be displayed.

Abstract: Methods and systems are presented for dynamically modifying electronic content presented on a user device by third-party content providers based on goals associated with one or more entities. A content modification system may receive inputs related to goals for a user. The content modification system may synthesize the goals associated with the user. When the user uses a user device to request content from a third-party server, the content modification system may obtain the content and extract items included within the content. The content modification system may modify the content based on the synthesized goals, such as re-arranging the items, highlighting some of the items, or adding and/or removing items. The content modification system may cause the user device to present the modified content.

Abstract: There are provided systems and methods for a carbon neutral blockchain protocol for resolving carbon offsetter payments for cryptocurrency transactions. A service provider, such as an online transaction processor, may provide a green wallet and network protocol that provides carbon offsetting fees and payments to carbon offsetters in order to account for carbon emissions and usage when processing cryptocurrency transactions on a blockchain network protocol. A green wallet may be provided, which allows registration of carbon offsetters and use of green addresses to cause cryptocurrency to be processed in a green transaction. A user's digital wallet may sign an initial cryptocurrency transaction and provide the fee to the green wallet. The green wallet may then resolve the cryptocurrency transaction by further signing the transaction and transmitting the fee to a digital wallet of the carbon offsetter over another cryptocurrency processing network.

Abstract: A system includes a service provider device and a point of sale (POS) device. A session between a user device and the POS device is established. An authentication request associated with the user device is provided via a user interface of the POS device. Subsequent to an authentication of information, responsive to the authentication request, the POS device receives funding instrument (FI) proxy information corresponding to FIs, which is unusable to identify the FIs by a merchant. A selectable representation corresponding to the FI proxy information is provided via the user interface. Responsive to receiving an indication of a selected member from the selectable representation, information for the selected member is sent. The service provider device determines that the session corresponds to an account associated with the user device and the merchant, and performs a transaction for the session using a first FI that corresponds to the selected member.

Abstract: Techniques are disclosed in which a computer system receives a transaction request and uses a federated machine learning model to analyze the transaction request. A server computer system may generate a federated machine learning model and distribute portions of the federated machine learning models to other components of the computer system including a user device and/or edge servers. In various embodiments, various components of the computer system apply transaction request evaluation factors to the portions of the federated machine learning model to generate scores. The server computer system uses the scores to determine a response to the transaction request.

Abstract: Techniques are disclosed in which a computer system receives a transaction request and uses a federated machine learning model to analyze the transaction request. A server computer system may generate a federated machine learning model and distribute portions of the federated machine learning models to other components of the computer system including a user device and/or edge servers. In various embodiments, various components of the computer system apply transaction request evaluation factors to the portions of the federated machine learning model to generate scores. The server computer system uses the scores to determine a response to the transaction request.

Abstract: There are provided systems and methods for edge computing storage nodes based on location and activities for user data separate from cloud computing environments. A service provider, such as an online transaction processor, may provide additional services for to users via edge computing systems and edge computing storage nodes. The service may be for data that may be predictively loaded to the edge computing storage node for a particular location, where the edge computing storage node may reside more locally to the location on a network so that data may be served quicker and with less network resource consumption than providing data from a remote cloud computing storage. The data may be predicted to be needed or useful to the user at the location using a user profile for the user, monitored user activities, and/or one or more machine learning models that predict user behaviors at the location.

Abstract: There are provided systems and methods for load balancing for map application route selection and output. A user may utilize a device application to map or route between two or more endpoints, such as geo-locations entered or detected by the device. During calculation of a travel route between the endpoints, real-time data, user preferences, and requesting entities may provide criteria data that may cause determination of a particular travel route, where the travel route may be longer than a most efficient route but within a pre-defined variable time or distance allotment and match the criteria data. Use of the route may accrue a form of compensation for the user. The user may view an application interface displaying the route, which may further include one or more executable processes to cause recalculation of the route. Recalculation of the route may require the user to provide credits or compensation.

Abstract: Systems and methods for providing conversation assistance include receiving from at least one user device of a user, conversation information and determining that the conversation information is associated with a conversation involving the user and a first person that is associated with first conversation assistance information in a non-transitory memory. Body measurement data of the user is retrieved from the at least first user device. A need for conversation assistance in the conversation involving the user and the first person is detected using the body measurement data. First conversation assistance information associated with the first person is retrieved from the non-transitory memory. The first conversation assistance information associated with the first person is provided through the at least one user device.

Abstract: Techniques are disclosed in which a computer system receives, from a plurality of user computing devices, a plurality of device-trained models and obfuscated sets of user data stored at the plurality of user computing devices, where the device-trained models are trained at respective ones of the plurality of user computing devices using respective sets of user data prior to obfuscation. In some embodiments, the server computer system determines similarity scores for the plurality of device-trained models, wherein the similarity scores are determined based on a performance of the device-trained models. In some embodiments, the server computer system identifies, based on the similarity scores, at least one of the plurality of device-trained models as a low-performance model. In some embodiments, the server computer system transmits, to the user computing device corresponding to the low-performance model, an updated model.

Abstract: Techniques are disclosed in which a computing device repeatedly trains, using a stream of user data received at the computing device, a baseline model to generate a device-trained model, wherein the baseline model is trained at the computing device without providing user data included in the stream to a server computer system. In some embodiments, the computing device inputs, to the device-trained model, a set of characteristics associated with a user request received from a user of the computing device, wherein the device-trained model outputs a score for the user request. In some embodiments, the computing device transmits, to the server computer system, the score for the user request, wherein the transmitting includes requesting a decision for the user request. In some embodiments, the computing device performs an action associated with the user request in response to receiving a decision for the user request from the server computer system.

Abstract: A method for accessing legacy devices via Augmented Reality (AR) devices. The method includes acquiring, via an AR device, an image of a keyboard of a legacy device. The method includes accessing customer commands for initiating of a transaction using the legacy device. The method includes determining a command sequence based, at least in part, on the customer commands, the command sequence mapping to a keystroke sequence to be entered using the keyboard. The method includes generating an overlay indicating a keystroke sequence corresponding to the command sequence. The method also includes displaying, via the AR device, the overlay by visually projecting the overlay over the keyboard of the legacy device.

Abstract: Various systems, mediums, and methods herein describe aspects of an authentication system. The system may receive a request from a user device to authenticate a user. The system may determine a route travelled by the user. The route can be determined based at least on data retrieved from the user device of the user. The system may determine one or more objects viewable along the route. At least one image of the one or more objects can be selected. The system may communicate the at least one image and at least one other image to the user device to be displayed on the user device. The system may receive a selection of the at least one image by the user through a display of the user device. The authentication of the user can be based, at least in part, on the user selection of the at least one image.

Abstract: There are provided systems and methods for local digital token transfer during device communication limitations. A first computing device of a first user may include applications and data necessary to generate and/or transmit a data token to a second device to provide particular data to the second device, including a token used for electronic transaction processing. The first device may be unable to communicate with the second device in particular instances, for example, if the first device becomes non-operational due to battery power, location specific requirements, or other operation issue. Thus, the first device may store the token locally or to a nearby associated device, such as a keyfob device or other transceiver. The token may then be available to a third device when the first device is limited from communications, which may be used to communicate the token to the second device.

Abstract: There are provided systems and methods for shared authentication for limited use of an associated account based on user location and connected devices. A user may own a location where another user may visit or rent. The user may have a payment account that may be used with merchants to purchase items that are associated with the location or offered with use of the location. The user may set up the payment account to have a shared authentication mechanism with other users that utilize the location to allow the other users to pay for items using the payment account. The authentication mechanism may be a credential that may be pushed to a device of one or more of the other users when the other users are at or nearby the location or may be information of the other users that may be matched during transaction processing.