Abstract: There are provided systems and methods for a network cache of device input for redundancy during device inoperability. A device may detect that the device is in danger of failure, for example, if a battery is low on the device, the device is damaged, or the device may lose network connectivity. On detection of such a condition, the device may request that a server that performs electronic transaction processing establish or trigger a mode that allows for caching of transaction data as input for the transaction data is entered to a device, which may be done by sending signaling to the server indicating the condition that affects the device's operability. The server may then cache input for the transaction data. If the device fails prior to approving and completing electronic transaction processing, the server may use the cached data to generate a digital ledger for another entity.

Abstract: A battery level of a primary electronic device is monitored by one or more hardware processors of the primary electronic device. A determination is made by the one or more hardware processors that the monitored battery level of the primary electronic device has dropped below a threshold. In response to the determination, a first amount of funds is electronically loaded to a secondary electronic device for offline purchases. The secondary electronic device is communicatively coupled to the primary electronic device. An offline electronic transaction is processed using the secondary electronic device based on the first amount of funds.

Abstract: There are provided systems and methods for a preloaded digital wallet token for networkless transaction processing. A user may utilize a communication device while shopping at physical merchant locations, such as retail storefronts, where the communication device may provide transaction processing services through a mobile application executing on the communication device. The communication device may provide transaction processing services through the application in an offline environment by utilizing a preloaded digital token having encrypted data, for example, where the communication device loses network connectivity. The encrypted data may include information necessary to resolve transaction processing by a merchant device receiving the token from the communication device. Moreover, the encrypted data may include limitations on use of the token for transaction processing, such as location limitations and/or transaction amount or time limits.

Abstract: Various systems and methods utilizing different formats for authorization data for transactions are disclosed. A computer system of a payment service provider receives a first request for a transaction having a first set of authorization data in a first format. The computer system may then determine to format the first set of authorization data into a second set in a second, different format. The computer system sends the second set of authorization data to a device of a user requesting the transaction. Subsequently, the computer system receives a second request for the transaction including the second set of authorization data, and then processes the second request for the transaction.

Abstract: There are provided systems and methods for a network cache of device input for redundancy during device inoperability. A device may detect that the device is in danger of failure, for example, if a battery is low on the device, the device is damaged, or the device may lose network connectivity. On detection of such a condition, the device may request that a server that performs electronic transaction processing establish or trigger a mode that allows for caching of transaction data as input for the transaction data is entered to a device, which may be done by sending signaling to the server indicating the condition that affects the device's operability. The server may then cache input for the transaction data. If the device fails prior to approving and completing electronic transaction processing, the server may use the cached data to generate a digital ledger for another entity.

Abstract: There are provided systems and methods for measuring tap pressure on mobile devices to automate actions. A computing device, such as a mobile smart phone, may include a touch screen interface that may accept touch inputs. A touch input may include a presence and location of the touch input on the touch screen interface. Additionally, the computing device may detect a pressure or force applied to the touch screen interface with the touch input. The computing device may include a payment application, where the touch input may be received during use of the payment application. The pressure of the touch input may further define the input for the payment application. For example, a touch input with a first pressure may cause a first process to be initiated, while a second pressure may cause a second process to be initiated.

Abstract: Alternative service access with operations including determining that a system has met a plurality of criteria, including the system having a battery level below a threshold, identifying a merchant, generating an authentication token for authorizing a payment using a payment provider, and sending the authentication token to the payment provider.

Abstract: In response to detecting, at the first time period, that the available amount of the first resource on the computing device is below the first threshold level, the computer system switches the computing device to a first low resource mode, wherein the switching the computing device to the first low resource mode includes intercepting a first data intended to be transmitted to the computing device, the first data corresponding to a first set of one or more applications on the computing device. In response to detecting, at a second time period that is after the first time period, that the available amount of the first resource on the computing device meets or exceeds the first threshold level, the computer system switches the computing device back to a normal operating mode.

Abstract: There are provided systems and methods for parent level token issuance for asynchronous data processing based on device trust levels. Two devices may interact enough that they develop a trust rating between the two devices that the devices are trusted for transaction processing and resolution. In order to provide asynchronous transaction processing without requiring a token service provider or transaction processor, a parent level token may be issued to the devices by a token service provider based on the trust rating. The devices may receive child level tokens from the parent token, while the parent token is stored by the transaction processor. The child level tokens may allow the devices and transaction processor to trust the devices to process and resolve transaction processing without availing the token service provider for token issuance.

Abstract: There is provided systems and method for a token management layer for automating authentication during communication channel interactions. A user may contact an organization, such as an online service or payment provider through a first communication channel. During communications with the service provider, the user may provide authentication and/or personal information to step-up the users authentication and identity verification with the service provider. The service provider may provide a token management layer that stores the provided information with a tokenization system and allows the information to be provided for future authentication step-ups when the token is access and/or received. This may be due to additional communications by the user with the service provider, or may occur when the user contacts another service provider that is enrolled with the token management layer. The service provider may also issue other authentication tokens, such as voice authentication.

Abstract: A consortium of marketplaces may be configured to share inventory information via a distributed ledger (blockchain) When an ecommerce marketplace is out of stock of a requested product, the marketplace may provide a seamless experience to a user by searching the inventory of another marketplace rather than alerting the user that the item is out of stock. The marketplace requesting the item may form a smart contract on the distributed ledger with a fulfilment marketplace to govern the terms of the agreement to provide the item to the user on behalf of the requesting marketplace.

Abstract: There are provided systems and methods for automated data tokenization through networked sensors. A network of data sensors may detect that a user is likely to engage in electronic transaction processing with a merchant device, for example, based on an action performed by the user and/or with a user device. One or more of the sensors may connect with the user's device and retrieve financial data from the device and/or data necessary to issue a token to the device for transaction processing. The sensor may perform a background process to issue the token to the device, and once onboarded, may store the token to the user's device and/or the merchant device that the user is likely to interact with for transaction processing. The token may be limited in use by location and/or amount, or may be used to fully onboard the user with the token service provider.

Abstract: The present disclosure is directed to consolidated token routing. First data corresponding to a request to conduct a first transaction is analyzed. A first token is generated for the first transaction. Second data corresponding to a request to conduct a second transaction is analyzed. A second token is generated for the second transaction. In response to determining that at least a first component of the first data corresponds to a first component of the second data, a routing of the first token and a routing of the second token are consolidated. The consolidation of the token routing includes transmitting the first token and the second token to one or more devices in a single transmission.

Abstract: Systems and methods for providing a payment system includes processing, by a first payment service provider device, a payment request received from a user device and associated with a first funding instrument. A payment request failed message associated with the payment request is received. A second funding instrument associated with a second payment service provider device is retrieved. First sub-payment request of the payment request associated with the second funding instrument is processed and a first sub-payment successful message associated with the first sub-payment request is obtained. The payment request is determined to be successful based on the first sub-payment successful message. A payment request successful message is provided to the user device indicating that the payment request was successful.

Abstract: Systems and methods for providing a resource-based distributed public crypto currency blockchain include system provider device(s) that receive first crypto currency transaction information for a first crypto currency transaction that is configured to provide for the transfer of a crypto currency to a payee via a primary distributed public crypto currency blockchain maintained by computing devices. The system provider device(s) identify resource information provided by each computing device and use the resource information to select a subset of the computing devices for processing the first crypto currency transaction. The system provider device(s) then broadcast, via the network to each computing device, the first crypto currency transaction information for the first crypto currency transaction in order to cause a first computing device to process the first crypto currency transaction as part of a first block that is added to the primary distributed public crypto currency blockchain.

Abstract: A mempool of a miner of a blockchain system is accessed. The mempool contains at least a first transaction and a second transaction. A determination is made that the first transaction and the second transaction are related to each other. In response to the determination, the first transaction and the second transaction are linked. The linking of the first and second transactions comprises aggregating data associated with the first transaction and the second transaction into an aggregated data set. The aggregated data set is written into a single block of the blockchain system.

Abstract: A system that identifies whether an object is within close proximity to a touch screen of a user device using one or more sensors. The system may optimize incentives based on what is being displayed on the user device when the system identifies the object.

Abstract: Methods and systems are presented for authenticating a card transaction based on a predicted age of the payment card used in the card transaction. One or more images of a portion of the card is obtained while processing the card transaction. Physical characteristics of the card are determined based on analyzing the one or more images, and an estimated age of the card is derived based on the physical characteristics. An actual age of the card may be obtained from card data encoded on the card. The card transaction is authorized or deny based on a difference between the estimated age and the actual age of the card. An updated age of the card may be encoded in the card after the card transaction is authorized.

Abstract: In response to detecting, at the first time period, that the available amount of the first resource on the computing device is below the first threshold level, the computer system switches the computing device to a first low resource mode, wherein the switching the computing device to the first low resource mode includes intercepting a first data intended to be transmitted to the computing device, the first data corresponding to a first set of one or more applications on the computing device. In response to detecting, at a second time period that is after the first time period, that the available amount of the first resource on the computing device meets or exceeds the first threshold level, the computer system switches the computing device back to a normal operating mode.

Abstract: The systems and methods of the multi-blockchain transaction information segregation system of the present disclosure receive a first digital transaction, which includes first digital transaction information and second digital transaction information, through a network via broadcast by a first transaction device. A primary blockchain address provided on a primary blockchain is then identified in the first digital transaction, and a primary blockchain smart contract that is stored on the primary blockchain in association with the primary blockchain address is accessed. The primary blockchain smart contract is then executed to cause the first digital transaction information to be stored on the primary blockchain, and the second digital transaction information to be stored on a secondary blockchain that is separate from the primary blockchain.