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: 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 receive, via the communications module and from a client device, a signal including a request to configure a transfer of data to a particular data record; determine that the particular data record is associated with a third party server; obtain a trust score associated with the particular data record; determine that the trust score satisfies trust criteria; and responsive to determining that the trust score satisfies trust criteria, enable one or more transfer features associated with a real-time transfer protocol.

Abstract: A computer-implemented method is disclosed.

Abstract: An electric vehicle charger includes a power supply and a controller. The power supply is for supplying electric power over a charging connection to an electric vehicle. The charging connection employs charging conductors to supply electric power from the power supply to the electric vehicle for charging. The power supply is adapted to send data to and receive data from the electric vehicle over the charging conductors according to a power-line communications protocol. The controller coupled to the power supply to control supply of electric power to the electric vehicle, The controller is adapted to, prior to initiating supply of electric power by the power supply to the electric vehicle for charging, communicate with the electric vehicle to identify a payment method associated with the electric vehicle and with the payment network to authorize the payment method for payment for electric power supplied to the electric vehicle for charging.

Abstract: A system 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 by the processor, configure the processor to receive, via the communications module, a transfer instruction for transfer of data from a first data record associated with a transferor to a second data record associated with a recipient, the transfer instruction including a transfer amount and a condition associated with the transfer; send, via the communications module, a notification of the transfer instruction to a computing device associated with the recipient and request permission to obtain contextual data therefrom; when permission is granted, obtain, via the communications module, contextual data from the computing device; determine, based on the contextual data, that the condition associated with the transfer has been satisfied; and in response to determining that the condition associated with the t

Abstract: A system 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 by the processor, configure the processor to receive, via the communications module, a transfer instruction for transfer of data from a first data record associated with a transferor to a second data record associated with a recipient, the transfer instruction including a transfer amount and a condition associated with the transfer; send, via the communications module, a notification of the transfer instruction to a computing device associated with the recipient and request permission to obtain contextual data therefrom; when permission is granted, obtain, via the communications module, contextual data from the computing device; determine, based on the contextual data, that the condition associated with the transfer has been satisfied; and in response to determining that the condition associated with the t

Abstract: A data management device, communication system and methods for tagging data in a data table and triggering automated action. A data management device receives from a first data provider one or more records of a data table, each record comprising a plurality of fields. The data table is associated with an account having one or more authorized users. The plurality of fields each has a value set by the first data provider. The data manger determines one or more tags for the one or more records in accordance with a plurality of autotagging rules. The data manger appends the one or more records to include one or more tag fields corresponding to the one or more tags for the one or more records. The appended records are stored in a database. One or more automated actions may be triggered based on one or more tag fields of one or more of the plurality of records.

Abstract: Servers, systems, and methods for targeting messages to users based on a propensity score. The propensity score is determined based on geolocation data. A visit to a monitored location is determined based on geolocation data from a mobile device associated with a user. Occurrence of an activity associated with the monitored location is detection based on geolocation data from the mobile device. The propensity score is determined or adjusted based on the visit and the activity detected and a targeted message is sent to the mobile device based on the propensity score exceeding a threshold value. The location may be a car dealership and the activity may be occurrence of a test drive, in some implementations.

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 first computing device, a signal representing a data transfer request, the data transfer request including at least a transfer amount and a transfer address; send, via the communications module and to the transfer address, a signal including an electronic message, the electronic message including the transfer amount and at least one selectable option defining a transfer method, the at least one selectable option including a first selectable option defining a first transfer method that includes an additional requirement not required by a second transfer method; receive, via the communications module and from a second computing device, a signal indicating a selection of the at first selectable option defining the first t

Abstract: In some implementations, a method of providing contactless payments at a point of sale terminal includes: causing a point-of-sale terminal processing a transaction to display a machine-readable code, the machine-readable code encoding a web address; receiving a request from a device that scanned the machine-readable code, the request received at the web address; in response to receiving the request, causing the device that scanned the machine-readable code to output an interface that includes a prompt for input required to complete the transaction; receiving a response to the prompt; and sending an indication of the response to the prompt to the point-of-sale terminal to allow for completion of the transaction based on the response at the point-of-sale terminal through use of a physical token at the point-of-sale terminal.

Abstract: A trusted session is to be established between a smart speaker and a computer server. The computer server may receive an instruction to initiate a trusted session with the smart speaker. The instruction includes an indication of an account linking token for linking a first and second account associated with the smart speaker and the computer server, respectively. The computer server generates a session token and sends it to the smart speaker for acoustic signalling. The acoustic signal is captured by a mobile device and used to reconstruct the session token. The computer server receives the reconstructed session token along with identifying information from the mobile device. The computer server system uses the identifying information to confirm that the mobile device is associated with the second accord. Upon so confirming, the computer server may establish a trusted session between the first smart speaker and the computer server system.

Abstract: A trusted session is to be established between a smart speaker and a computer server. The computer server may receive an instruction to initiate a trusted session with the smart speaker. The instruction includes an indication of an account linking token for linking a first and second account associated with the smart speaker and the computer server, respectively. The computer server generates a session token and sends it to the smart speaker for acoustic signalling. The acoustic signal is captured by a mobile device and used to reconstruct the session token. The computer server receives the reconstructed session token along with identifying information from the mobile device. The computer server system uses the identifying information to confirm that the mobile device is associated with the second accord. Upon so confirming, the computer server may establish a trusted session between the first smart speaker and the computer server system.

Abstract: A system 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 by the processor, configure the processor to receive, via the communications module, a transfer instruction for transfer of data from a first data record associated with a transferor to a second data record associated with a recipient, the transfer instruction including a transfer amount and a condition associated with the transfer; send, via the communications module, a notification of the transfer instruction to a computing device associated with the recipient and request permission to obtain contextual data therefrom; when permission is granted, obtain, via the communications module, contextual data from the computing device; determine, based on the contextual data, that the condition associated with the transfer has been satisfied; and in response to determining that the condition associated with the t

Abstract: The present disclosure involves systems, software, and computer implemented methods for personalizing interactions within a conversational interface based on an input context. One example system performs operations including receiving a conversational input received via a conversational interface. The conversational input is analyzed to determine an intent and lexical personality score based on the input's characteristics. A set of responsive content is determined and includes a set of initial tokens representing an initial response. A set of synonym tokens associated with at least some of the initial tokens are identified, and at least one synonym token associated with a similar lexical personality score to the input is determined. At least one of the initial tokens are replaced with the determined synonym token to generate a modified version of the set of response content. The modified version of the response is then transmitted to a device in response to the input.

Abstract: The present disclosure involves systems, software, and computer implemented methods for personalizing interactions within a conversational interface based on an input context. One example system performs operations including receiving a conversational input via a conversational interface associated with a particular user profile. The input is analyzed via a natural language processing engine to determine an intent and a personality input type. A persona response type associated with the determined personality input type is identified, and responsive content is determined. A particular persona associated with the particular user profile based on a related set of social network activity information associated with the user profile and that corresponds to the identified persona response type is identified.

Abstract: An electric vehicle charger includes a power supply and a controller. The power supply is for supplying electric power over a charging connection to an electric vehicle. The charging connection employs charging conductors to supply electric power from the power supply to the electric vehicle for charging. The power supply is adapted to send data to and receive data from the electric vehicle over the charging conductors according to a power-line communications protocol. The controller coupled to the power supply to control supply of electric power to the electric vehicle, The controller is adapted to, prior to initiating supply of electric power by the power supply to the electric vehicle for charging, communicate with the electric vehicle to identify a payment method associated with the electric vehicle and with the payment network to authorize the payment method for payment for electric power supplied to the electric vehicle for charging.

Abstract: A trusted session is to be established between a smart speaker and a computer server. The computer server may receive an instruction to initiate a trusted session with the smart speaker. The instruction includes an indication of an account linking token for linking a first and second account associated with the smart speaker and the computer server, respectively. The computer server generates a session token and sends it to the smart speaker for acoustic signalling. The acoustic signal is captured by a mobile device and used to reconstruct the session token. The computer server receives the reconstructed session token along with identifying information from the mobile device. The computer server system uses the identifying information to confirm that the mobile device is associated with the second accord. Upon so confirming, the computer server may establish a trusted session between the first smart speaker and the computer server system.

Abstract: The present disclosure involves systems, software, and computer implemented methods for intercepting data exchange requests and automatically imposing a hold period while the data exchange is evaluated for a user profile initiating the request. One example system includes operations to detect a data exchange request prior to completion of the attempted data exchange, the data exchange request including information defining the attempted data exchange and associated wherein the attempted data exchange is associated with a particular user profile. A portion of the information is transmitted to a data exchange analysis system for execution of a user profile-specific data exchange analysis based on the information and a status of the user profile. A hold state is initiated for the data exchange request while the analysis is performed. The results of the analysis are presented and a confirmation to proceed is required before allowing the attempted data exchange to be processed.

Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, dynamically authorize pre-stages data exchanges based on contextual data. For example, an apparatus may receive first data characterizing an initiation of a first exchange of data between a client device and a terminal device. Based on the first data, the apparatus may obtain second data that characterizes an expected initiation of a second exchange of data during a corresponding temporal interval, which may be specified relative to an initiation time of the first data exchange. The apparatus may generate and transmit, to a computing system, pre-authorization data that requests a pre-authorization of the second data exchange to a computing system. The pre-authorization data may include a portion of the second data and may instruct the computing system to pre-authorize the second data exchange in accordance with the second data.

Abstract: There is provided a computing device and method to perform a data transfer using a document. Data to define at least one parameter of a data transfer is defined from data in the document. The document may have text characters or images of text characters (or both) for the data. A GUI may display the document and receive input to identify the data and define the at least one parameter. The document image may be processed to determine the text characters such as by OCR. The document may be a photo (image) captured by a camera on or coupled to the computing device. A GUI may be defined to provide workflow to define the data transfer signal such as a message. Functionality to capture text characters from documents, particularly images, may be added to applications such as via a plug in or otherwise.