Abstract: A method for decoding an audio query may include: extracting one or more acoustic features from the audio query in response to receiving the audio query from a user; determining a generic word and a domain specific word based on the one or more acoustic features; and decoding the audio query based on the generic word, the domain specific word, and the one or more acoustic features to identify at least one word associated with the audio query.

Abstract: Systems and methods are provided for executing logic to provide data aggregates. One example method includes receiving, at a computing device of a service provider, from a relying party, a request for a data aggregate for a user based on a logic, where the data aggregate is based on first data for the user, and identifying a control for the first data. The method further includes, upon satisfying the identified control, retrieving, by the computing device, the first data from a first source party, generating a neutral zone, and executing, in the neutral zone, the logic on the retrieved first data. The method then includes providing an output from the executed logic as the data aggregate to the relying party, but not the first data, whereby the data aggregate is provided in lieu of the first data. And, the retrieved first data is deleted by eliminating the neutral zone.

Abstract: Embodiments provide methods and systems for performing an offline payment transaction in absence of network. In an embodiment, a communication channel is established between a merchant device and a user device for performing the offline payment transaction. The merchant device receives an electronic token from the user device. The electronic token includes an identifier for a payment account of a user, an offline balance amount associated with the payment account and a digital certificate representing authentication of the offline balance amount. The electronic token has a validity of a first threshold time period. The electronic token is verified with a decryption key available with the merchant device. The decryption key also has a validity of a second threshold time period. After a successful verification of the electronic token, the offline payment transaction is executed without connecting to a payment network, while the electronic token and the decryption key are valid.