Abstract: Techniques provided for using a secure token exchange between services that require access to the same sensitive information. Using the techniques, a client application may send a token provided by a first service to second service in order for the second service to obtain, directly from the first service, the sensitive information that corresponds to the token. Because the sensitive information is not sent from the first service to the client application, and from the client application to the second service, security vulnerabilities are avoided.

Abstract: Systems and methods for transferring between accounts in the absence of sensitive information needed to perform a direct transfer between accounts are described herein. In an embodiment, an intermediary system receives a request to perform a digital electronic transfer of an item from a first online account to a second online account through the intermediary system, wherein the intermediary system does not have access to the sensitive information for either the first online account or the second online account.

Abstract: Systems and methods for reducing latency in transactions are described herein. In an embodiment, an application edge acts as a system of record for an application. When a client computing device sends a request to perform a transaction to the application, the application edge receives the request and, without forwarding the request to a backend computing network, searches a transaction datastore stored at the application edge for the account balance and responds to the client computing device with the account balance. The client computing device then determines that a transaction can be performed and sends a request to perform the transaction to the application. The application edge passes this request to the backend computing network which performs the requested transaction. The application edge then uses a webhook infrastructure to update each transaction datastore stored at the application edge.

Abstract: Systems and methods for transferring between accounts in the absence of sensitive information needed to perform a direct transfer between accounts are described herein. In an embodiment, an intermediary system receives a request to perform a digital electronic transfer of an item from a first online account to a second online account through the intermediary system, wherein the intermediary system does not have access to the sensitive information for either the first online account or the second online account.

Abstract: Systems and methods for transferring between accounts in the absence of sensitive information needed to perform a direct transfer between accounts are described herein. In an embodiment, an intermediary system receives a request to perform a digital electronic transfer of an item from a first online account to a second online account through the intermediary system, wherein the intermediary system does not have access to the sensitive information for either the first online account or the second online account.

Abstract: Systems and methods for reducing latency in transactions are described herein. In an embodiment, an application edge acts as a system of record for an application. When a client computing device sends a request to perform a transaction to the application, the application edge receives the request and, without forwarding the request to a backend computing network, searches a transaction datastore stored at the application edge for the account balance and responds to the client computing device with the account balance. The client computing device then determines that a transaction can be performed and sends a request to perform the transaction to the application. The application edge passes this request to the backend computing network which performs the requested transaction. The application edge then uses a webhook infrastructure to update each transaction datastore stored at the application edge.

Abstract: Systems and methods for transferring between accounts in the absence of sensitive information needed to perform a direct transfer between accounts are described herein. In an embodiment, an intermediary system receives a request to perform a digital electronic transfer of an item from a first online account to a second online account through the intermediary system, wherein the intermediary system does not have access to the sensitive information for either the first online account or the second online account.