Abstract: According to an aspect of an embodiment of the present disclosure, a method may include receiving a quick response (QR) code from a computing device, the QR code including a first entity identifier, and analyzing the QR code to determine a request to initiate a data transfer between a first entity associated with the first entity identifier and a second entity, and to determine one or more characteristics associated with the data transfer. The method may also include, based on the one or more characteristics, identifying a first QR code processing flow from multiple QR code processing flows to follow to process the data transfer, and verifying the first entity in the transaction based on the first entity identifier of the QR code and based on the first QR code processing flow. The method may also include processing the data transfer between the second entity and the first entity based on the first QR code processing flow.

Abstract: A method for using location-based services for service management is discussed. The method includes receiving, at a server, a user request from a user device at a geographical location. The method includes accessing a store search to determine a store reference based on the user request and a user location corresponding to the geographical location, the store reference indicating tenant(s) accessible to the user via a user interface (UI) of the user device. The method includes accessing location data for the user device based on the store reference and a user account associated with the user, the location data indicating a service accessible via the UI and associated with a certain tenant. The method includes providing, to the user device and based on the location data, a user experience for accessing the service via the UI.

Abstract: According to an aspect of an embodiment of the present disclosure, a method may include receiving a quick response (QR) code from a computing device, the QR code including a first entity identifier, and analyzing the QR code to determine a request to initiate a data transfer between a first entity associated with the first entity identifier and a second entity, and to determine one or more characteristics associated with the data transfer. The method may also include, based on the one or more characteristics, identifying a first QR code processing flow from multiple QR code processing flows to follow to process the data transfer, and verifying the first entity in the transaction based on the first entity identifier of the QR code and based on the first QR code processing flow. The method may also include processing the data transfer between the second entity and the first entity based on the first QR code processing flow.

Abstract: A system is configured to perform operations that include receiving a purchase request to use a consumer digital wallet account of a user to pay for an item sold by a merchant, the consumer digital wallet account being included as a payment method in a merchant digital wallet account provided by the merchant to the user. The operations further include generating a single-use payment token based on a non-transactable token. Additionally, the operations include transmitting, to an existing card payment network, a card transaction message that includes the single-use payment token, the single-use payment token causing the existing card payment network to route the card transaction message back to the system. The operations also include causing payment to be remitted from the user to the merchant using a payment method included in the consumer digital wallet account.

Abstract: A white label merchant stored value account peer linking/funding system includes a payment service provider database storing associations between different merchants and respective groups of white label merchant stored value accounts. A payment service provider links, in the database, a first user identifier received from a first user device with a first white label merchant stored value account that is included in a first group of white label merchant stored value accounts that are associated with a first merchant in the database. The payment service provider device then receives second user identifiers from the first user device, and links each of the second user identifiers with the first white label merchant stored value account in the database. The payment service provider device then receives respective second user account information from the second user devices and funds the first white label merchant stored value account with respective first funding amounts.

Abstract: A method for using location-based services for service management is discussed. The method includes receiving, at a server, a user request from a user device at a geographical location. The method includes accessing a store search to determine a store reference based on the user request and a user location corresponding to the geographical location, the store reference indicating tenant(s) accessible to the user via a user interface (UI) of the user device. The method includes accessing location data for the user device based on the store reference and a user account associated with the user, the location data indicating a service accessible via the UI and associated with a certain tenant. The method includes providing, to the user device and based on the location data, a user experience for accessing the service via the UI.

Abstract: A method for facilitating transactions by tenants in a multi-tenant architecture system is discussed. The method includes generating, with a multi-tenant computer system, a first representation of an entity in a first hierarchical data structure associated with an entity interface tenant of the multi-tenant computer system. The method includes receiving, with the multi-tenant computer system, a set of entity-specific policies useable to generate requests to individual ones of a plurality of transaction processing computer systems. The method includes generating, with the multi-tenant computer system, a second representation of the entity in a second hierarchical data structure associated with a particular transaction processing service tenant of a plurality of transaction processing service tenants of the multi-tenant computer system.

Abstract: Methods and systems are provided for making secure financial transactions, such as purchase payments, using rich Internet applications (RIA) running an RIA runtime (also referred to as a platform or framework) on the user's smart phone or other mobile device. Embodiments differ from the usual way of re-directing a user from a third-party application and authenticating the user by providing secure in-line payments from a rich Internet application running on an RIA runtime. A system includes: a mobile device executing a rich Internet application running on an RIA runtime; a payment library communicating with the RIA runtime and a service provider, for which the payment library communicates with the service provider to authenticate the rich Internet application; and in response to authentication by the service provider, facilitates secure financial transactions via the rich Internet application.

Abstract: Methods and systems are presented for collectively storing, managing, and analyzing data associated with different data sources. A data management system defines an enterprise data model schema based on different data model schemas associated with the different data sources. The data management system generates, for each data source, an enterprise data model instance based on the enterprise data model schema. Data is ingested from the different data sources, and then transformed and stored in a corresponding enterprise data model instance based on a mapping between a corresponding data model schema and the enterprise data model schema. Upon ingesting the data from the data sources, one or more consolidated data views are generated that combine at least portions of data from different enterprise data model instances. The data arranged according to the one or more consolidated data views is presented on a device and/or further analyzed to produce an analysis outcome.

Abstract: Methods and systems are presented for collectively storing, managing, and analyzing data associated with different data sources. A data management system defines an enterprise data model schema based on different data model schemas associated with the different data sources. The data management system generates, for each data source, an enterprise data model instance based on the enterprise data model schema. Data is ingested from the different data sources, and then transformed and stored in a corresponding enterprise data model instance based on a mapping between a corresponding data model schema and the enterprise data model schema. Upon ingesting the data from the data sources, one or more consolidated data views are generated that combine at least portions of data from different enterprise data model instances. The data arranged according to the one or more consolidated data views is presented on a device and/or further analyzed to produce an analysis outcome.

Abstract: Methods and systems are presented for collectively storing, managing, and analyzing data associated with different data sources. A data management system defines an enterprise data model schema based on different data model schemas associated with the different data sources. The data management system generates, for each data source, an enterprise data model instance based on the enterprise data model schema. Data is ingested from the different data sources, and then transformed and stored in a corresponding enterprise data model instance based on a mapping between a corresponding data model schema and the enterprise data model schema. Upon ingesting the data from the data sources, one or more consolidated data views are generated that combine at least portions of data from different enterprise data model instances. The data arranged according to the one or more consolidated data views is presented on a device and/or further analyzed to produce an analysis outcome.

Abstract: Methods and systems are provided for making secure financial transactions, such as purchase payments, using rich Internet applications (RIA) running an RIA runtime (also referred to as a platform or framework) on the user's smart phone or other mobile device. Embodiments differ from the usual way of re-directing a user from a third-party application and authenticating the user by providing secure in-line payments from a rich Internet application running on an RIA runtime. A system includes: a mobile device executing a rich Internet application running on an RIA runtime; a payment library communicating with the RIA runtime and a service provider, for which the payment library communicates with the service provider to authenticate the rich Internet application; and in response to authentication by the service provider, facilitates secure financial transactions via the rich Internet application.

Abstract: A white label merchant stored value account peer linking/funding system includes a payment service provider database storing associations between different merchants and respective groups of white label merchant stored value accounts. A payment service provider links, in the database, a first user identifier received from a first user device with a first white label merchant stored value account that is included in a first group of white label merchant stored value accounts that are associated with a first merchant in the database. The payment service provider device then receives second user identifiers from the first user device, and links each of the second user identifiers with the first white label merchant stored value account in the database. The payment service provider device then receives respective second user account information from the second user devices and funds the first white label merchant stored value account with respective first funding amounts.

Abstract: A method for applying agency and regulation modeling in a multi-tenant architecture system includes accessing merchant's representation in an identity manager. The merchant is managed via a full representation by an original identity manager. The method includes performing a first service for the merchant via the representation, and determining, based on results of the first service and on policies of the first service provider, that performance of a second service is required for completion of the first service. The second service is provided by a second service provider onboarded into the first service provider, where the second service amends policy requirements of the first service provider. The method includes accessing a first subservice of the second service using the representation to generate second results for use at a second subservice of the second service, the second subservice configured to use transaction resources of the first representation.

Abstract: A method for managing entities in a multi-tenant marketplace architecture system is discussed. The method includes determining that a merchant is represented as a first representation in a first hierarchical data structure and as a second representation in a second hierarchical data structure, where both the first and second hierarchical data structures are managed by a first service provider. The merchant is being managed via a full representation in an original hierarchical data structure by a marketplace service provider. The first and second representations provide outbound services via the first hierarchical data structure and via the second hierarchical data structure, respectively. The method also includes linking the first representation with the second representation to configure the first and second representations for propagating results of an inbound service applied to one of the first and second representations to a remaining one of the first and second representations.

Abstract: A method for facilitating transactions between tenants in in a multi-tenant architecture system is discussed. The method includes receiving a request, at a multi-tenant platform, from a first service of a first tenant of the multi-tenant platform to access a second service of a second tenant of the multi-tenant platform to perform a transaction, in which the request includes a first access token usable to authenticate the transaction with the first tenant. The method includes generating, by the multi-tenant platform using the first access token, a universal access token. The method includes generating, by the multi-tenant platform using the universal access token, a second access token useable to authenticate the transaction with the second tenant. The method includes using, by the multi-tenant platform, the second access token to communicate with the second service to perform the transaction.

Abstract: A white label merchant stored value account peer linking/funding system includes a payment service provider database storing associations between different merchants and respective groups of white label merchant stored value accounts. A payment service provider links, in the database, a first user identifier received from a first user device with a first white label merchant stored value account that is included in a first group of white label merchant stored value accounts that are associated with a first merchant in the database. The payment service provider device then receives second user identifiers from the first user device, and links each of the second user identifiers with the first white label merchant stored value account in the database. The payment service provider device then receives respective second user account information from the second user devices and funds the first white label merchant stored value account with respective first funding amounts.

Abstract: A method for using location-based services for service management is discussed. The method includes receiving, at a server, a user request from a user device at a geographical location. The method includes accessing a store search to determine a store reference based on the user request and a user location corresponding to the geographical location, the store reference indicating tenant(s) accessible to the user via a user interface (UI) of the user device. The method includes accessing location data for the user device based on the store reference and a user account associated with the user, the location data indicating a service accessible via the UI and associated with a certain tenant. The method includes providing, to the user device and based on the location data, a user experience for accessing the service via the UI.

Abstract: A method and apparatus for conditional transaction pre-approval is disclosed. In one embodiment, a computer system receives a transaction request, the computer being configured to perform a verification process to authorize transactions. The computer system may initiate, prior to completion of the verification process for a transaction, a prediction process using a model, to predict whether the transaction will pass the verification process. In response to determining that the transaction is predicted to pass, the transaction is pre-approved by the computer system, prior to completing the verification process. Subsequent to pre-approving, the verification process may be completed to determine if the prediction was correct. Based on the result of the verification process, the model is updated for future transaction requests.

Abstract: A method for facilitating transactions between tenants in a multi-tenant architecture system is discussed. The method includes receiving a request, at a multi-tenant platform, from a first service of a first tenant of the multi-tenant platform to access a second service of a second tenant of the multi-tenant platform to perform a transaction, in which the request includes a first access token usable to authenticate the transaction with the first tenant. The method includes generating, by the multi-tenant platform using the first access token, a universal access token. The method includes generating, by the multi-tenant platform using the universal access token, a second access token useable to authenticate the transaction with the second tenant. The method includes using, by the multi-tenant platform, the second access token to communicate with the second service to perform the transaction.