Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically manage consent, permissioning, and trust between computing systems and unrelated, third-party applications operating within a computing environment. By way of example, the apparatus may receive a request for an element of data that includes an access token and first credential data associated with an application program. When the first credential data corresponds to second credential data associated with the application program, may determine that the requested data element is accessible to the application program and perform operations that validate the access token. Further, and based on the validation of the access token, that apparatus may obtain and encrypt the requested data element, and may transmit the encrypted data element to a device via the communications interface.

Abstract: According to an aspect there is provided an ambient commerce system. The ambient commerce system may include a sensor at an ambient commerce premises, a communication module, and a processor coupled to the sensor and the communication module. The ambient commerce system further includes a memory coupled to the processor. The memory stores processor-executable instructions which, when executed, cause the processor to: detect, based on an output of one or more of the sensors, an unauthenticated entity at an ambient commerce premises; receive, from a first independent trusted system and via the communication module, an indication that authentication has been performed by the first independent trusted system for the unauthenticated entity using a first authentication parameter; determine that the entity is an authenticated entity based on the indication that the authentication has been performed and at least a second authentication parameter; and perform an ambient commerce operation for the authenticated entity.

Abstract: Methods and computer systems for optimization of computing resources. Obtaining one or more parameters of a resource demand, the one or more parameters including at least a defined date. Identifying, based on a projected demand for a computing resource, a resource optimization opportunity prior to the defined date. Generating a message based on the identification of the resource optimization opportunity. Identifying a second computer system based on the resource demand. Facilitating access to the computing resource prior to the defined date by a transmitting the generated message to the identified second computer system prior to the defined date.

Abstract: Methods and systems for controlling computing processes to manage finite resources are described. In an aspect, a method may include obtaining resource availability data indicating current resource availability for a resource associated with the computing system. The method may further include detecting an excess availability of a resource of a particular type based on the resource availability data. The method may further include, in response to detecting the excess availability of the resource of the particular type, identify a flexibly-scheduled computing process requiring the use of the resource of the particular type. The method may further include initiating the flexibly-scheduled computing process to consume at least a portion of the excess availability of the resource.

Abstract: According to an aspect there is provided an ambient commerce system. The ambient commerce system may include a sensor at an ambient commerce premises. The ambient commerce system may include a processor coupled to the one or more sensors. The ambient commerce system may include a memory coupled to the processor. The memory may store processor-executable instructions which, when executed, cause the processor to: detect, based on an output of one or more of the sensors, engagement of an entity with a restricted item; identify the entity; obtain at least a portion of a profile for the entity; determine, based on the at least a portion of the profile for the identified entity, eligibility for the entity to acquire the restricted item; and selectively generate, based on the determined eligibility for the entity, a notification on an electronic device associated with the entity.

Abstract: A method for evaluating security of third-party application is disclosed. The method includes: in an automated test environment: launching a test instance of a first application; and obtaining a data access signature of the first application based on identifying at least one application state of the first application and account data retrieved by the first application from a user account at a protected data resource in the at least one application state; receiving, from a client device associated with the user account, an indication of access permissions for the first application to access the user account for retrieving account data; detecting a change in the data access signature of the first application; and in response to detecting the change in the data access signature of the first application, notifying the user of the detected change.

Abstract: A method for evaluating security of third-party application is disclosed. The method includes: in an automated test environment: launching a test instance of a first application; and obtaining a data access signature of the first application based on identifying at least one application state of the first application and account data retrieved by the first application from a user account at a protected data resource in the at least one application state; receiving, from a client device associated with the user account, an indication of access permissions for the first application to access the user account for retrieving account data; detecting a change in the data access signature of the first application; and in response to detecting the change in the data access signature of the first application, notifying the user of the detected change.

Abstract: The disclosed exemplary embodiments include computer-implemented systems, devices, apparatuses, and processes that maintain data confidentiality in communications involving voice-enabled devices in a distributed computing environment using homomorphic encryption. By way of example, an apparatus may receive encrypted command data from a computing system, decrypt the encrypted command data using a homomorphic private key, and perform operations that associate the decrypted command data with a request for an element of data. Using a public cryptographic key associated with a device, the apparatus generate an encrypted response that includes the requested data element, and transmit the encrypted response to the device. The device may decrypt the encrypted response using a private cryptographic key and to perform operations that present first audio content representative of the requested data element through an acoustic interface.

Abstract: Methods and computer systems for optimization of computing resources. Obtaining one or more parameters of a resource demand, the one or more parameters including at least a defined date. Identifying, based on a projected demand for a computing resource, a resource optimization opportunity prior to the defined date. Generating a message based on the identification of the resource optimization opportunity. Identifying a second computer system based on the resource demand. Facilitating access to the computing resource prior to the defined date by a transmitting the generated message to the identified second computer system prior to the defined date.

Abstract: Systems and methods for effecting secure transactions are described. A processing device, when executing computer-executable instructions: receives from a requesting entity computing system a transaction request for a payload. The transaction request is transmitted to delivery entity computing system associated with a delivery entity identifier and geographic location. An encryption key, random number and a unique request identifier are generated and transmitted to requesting and delivery entity computing systems. In response to receiving a delivery transaction confirmation from the delivery entity computing system, the processing device verifies the secure transaction. After receiving a requestor transaction confirmation from the requesting entity computing system (indicating a verified transfer of the payload), a payload reimbursement is transferred to a delivery transaction account from a requestor transaction account.

Abstract: A computer-implemented method is disclosed. The method includes: receiving, via a first application, a request to connect a first data record associated with the first application on a computing device with a second data record associated with a second application on the computing device; establishing a secure data communication channel between the first application and the second application; receiving, via the first application, a request for transfer of data between the first application and the second application; and in response to receiving the request, transmit, by the first application to the second application via the secure data communication channel, a message comprising the second device token using a trusted link associated with the second application.

Abstract: The disclosed exemplary embodiments include computer-implemented systems, devices, apparatuses, and processes that maintain data confidentiality in communications involving voice-enabled devices operating within a distributed computing environment. By way of example, an apparatus may receive, from a communications system across a public communications network, a request for an element of data generated by the computing system based on first audio content obtained at a device. The apparatus may obtain the requested data element and further, may generate acoustic data representative of at least a portion of the requested data element. The apparatus may also generate an encrypted response to the received request that includes the acoustic data, and transmit the encrypted response to the device across the public communications network.

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: In an aspect, a processor-implemented method is disclosed. The method may be performed by a server. A method may include: receiving an authentication request from a device, the authentication request including a unique identifier; authenticating the authentication request by: retrieving a non-fungible token (NFT) identifier and public key associated with the unique identifier; identifying, from a blockchain, a blockchain address that is an owner of an NFT represented by the NFT identifier; verifying that the blockchain address that is the owner of the NFT is associated with the public key that is associated with the unique identifier; and verifying that a private key stored in a secure area of the device is associated with the public key that is associated with the unique identifier; and after authenticating the authentication request, enabling an operation not available prior to authenticating the authentication request.

Abstract: A server computer system, comprises a processor; a communications module coupled to the processor; and a memory coupled to the processor, the memory storing instructions that, when executed, configure the processor to obtain information associated with a request to transfer data to a data record; determine, based on an identifier associated with the data record, whether a real-time transfer protocol is available to complete the transfer; and send, via the communications module and to a client device associated with a recipient of the request to transfer the data to the data record, a signal updating one or more interface elements of an interface displayed on the client device based on whether the real-time transfer protocol is available to complete the transfer.

Abstract: Methods and computer systems for locking in offsets associated with resource requests. Receiving input of a resource request amount for a resource request, the resource request associated with a defined period of time and a property. Determining, based on data indicating one or more characteristics of the property, a metric representing an expected quantity of emissions over the defined period of time. Identifying an application programming interface capable of processing a request to lock in an amount for an offset product. Using the application programming interface and the metric to determine an offset amount to offset the expected quantity of emissions. Determining a periodic data transfer amount for the resource request that is based on the resource request amount and the offset amount. Outputting the periodic data transfer amount. Receiving an instruction to initiate the resource request and using the application programming interface to lock in the offset amount.

Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically manage consent, permissioning, and trust between computing systems that maintain confidential data and unrelated third-party applications. By way of example, an apparatus may obtain interaction data that identifies an interaction between an application program executed at a first computing system and a programmatic interface of a second computing system. Based on the interaction data, the apparatus may generate outcome data characterizing a probability that the requested access to the data element is inconsistent with an access permission granted to the executed application program, and may modify the access permission in accordance with the outcome data. The apparatus may also perform that generate permissioning data indicative of the modified access permission and that store the permissioning data within a locally accessible or cloud-based repository.

Abstract: A server comprises a communications module, a processor coupled to the communications module, and a memory coupled to the processor, the memory storing processor-executable instructions which, when executed, configure the processor to receive, via the communications module and from a monitoring application installed on a remote computing device, on-device application data, generate a risk profile for a user based at least on the on-device application data, configure a data sharing configuration option for sharing data associated with the user based on the risk profile for the user, and share the data based on the data sharing configuration option.

Abstract: In an aspect, the present application may describe a method. The method may include: receiving, from a remote computing device, a first indication of consent for an authenticated entity to share data with a first third party server, the first indication of consent associated with a first sharing permission defining a first sharing scope; in response to receiving the first indication of consent: configuring a server to share data for the authenticated entity with the first third party server based on the sharing permission; identifying a first safety score, the first safety score associated with the first third party server; and updating a risk score for the authenticated entity based on the first safety score and the first sharing permission; and sending the updated risk score for the authenticated entity to the remote computing device for display thereon.

Abstract: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal representing a request to add an authorized user to an account of an entity hosted by a first institution associated with the server; send, via the communications module and to a second server associated with a second institution hosting an account of the authorized user, a signal that includes a unique key and an identifier of the entity, the signal causing the second server to store the unique key and the identifier in memory and associating the unique key and the identifier with the account of the authorized user; receive a signal representing a request to perform an operation for the entity; in response to receiving the request to perform the operation, send, via the communications module