Abstract: Systems and methods are described for analyzing user data, for instance for eligibility of a user for one or more programs. The user data is analyzed in two or more stages, with each stage including rules and/or program qualification criteria specific to that stage. In some examples, the systems and methods used trained machine learning models for at least one stage of the analysis. The systems and methods disclose identifying one or more programs that the user is eligible for, and in some cases, applying the one or more programs to the user's account.

Abstract: Disclosed embodiments may provide a framework to implement post-purchase tender switches. For example, following a transaction made with a particular payment instrument, a customer may be offered the ability to apply for a preferred payment instrument and/or to switch his or her tender type to the preferred payment instrument for the previous transaction.

Abstract: Systems and methods are described for analyzing user data, for instance for eligibility of a user for one or more programs. The user data is analyzed in two or more stages, with each stage including rules and/or program qualification criteria specific to that stage. In some examples, the systems and methods used trained machine learning models for at least one stage of the analysis. The systems and methods disclose identifying one or more programs that the user is eligible for, and in some cases, applying the one or more programs to the user's account.

Abstract: Qualification decisioning systems and techniques are described. For instance, a system receives user information that is indicative of a user's income stream and/or asset(s). The system receives product qualification criteria data corresponding to products, with different products corresponding to different product-specific qualification criteria. The product qualification criteria data can change over time. The system dynamically analyzes the user information and the product qualification criteria data using a trained machine learning (ML) model in real-time as the user information and the product qualification criteria data continue to be received. The trained ML model identifies a subset of the plurality of products that the user qualifies for at a specific time. The system outputs recommendations for the subset of the plurality of products.

Abstract: A computer-implemented method may include emitting a presence audial tone at a point-of-sale device. The presence audial tone denotes a presence of the point-of-sale device. When the presence audial tone is received at a user device, the user device establishes a secure communications session with the point-of-sale device. The method may include receiving a confirmation audial tone through the secure communications session at the point-of-sale device. The confirmation audial tone encodes payment confirmation corresponding to a transaction. The method may include determining expected characteristics of the confirmation audial tone using an algorithmic library. The method may include comparing the confirmation audial tone against the expected characteristics to authenticate the transaction. The method may further include processing the authenticated transaction by demodulating the confirmation audial tone to obtain the payment confirmation. Related systems and computer-readable medium are described.

Abstract: Disclosed embodiments may provide techniques for tracking fulfillment statuses of objects associated with transactions. A computer-implemented method can include identifying receiving a request for distribution of resources. The resources can be associated with a transaction, and the transaction is associated with a set of objects. The computer-implemented method can also include detecting one or more fulfillment actions associated with the set of objects. The computer-implemented method can also include determining that fulfillment conditions associated with a subset of objects have been satisfied. The satisfaction of the fulfillment conditions can be determined based on the one or more fulfillment actions. The computer-implemented method can also include identifying a fulfillment metric associated with the subset of objects. The computer-implemented method can also include determining that the fulfillment metric exceeds a predetermined threshold.

Abstract: An application executed on a user device receives a request to initiate a transaction with an entity associated with a device implemented at a point-of-sale. The application detects that the user device is proximate to the device and detects an audial tone that encodes information corresponding to an entity associated with the device. The application transmits a request to transfer a payment to the entity, wherein the request includes the information and a payment amount for the payment. When the request is received by a payment processing system, the payment processing system transfers the payment to the entity and provides a confirmation for the payment. The application broadcasts a confirmation audial tone that encodes the confirmation. When the confirmation audial tone is received at the device, the device demodulates the confirmation audial tone to provide the confirmation to the entity.

Abstract: Disclosed embodiments may provide a framework to implement post-purchase tender switches. For example, following a transaction made with a particular payment instrument, a customer may be offered the ability to apply for a preferred payment instrument and/or to switch his or her tender type to the preferred payment instrument for the previous transaction.

Abstract: Systems and methods provide a framework through which securitization of a secured payment instrument is performed through real-time solicitation of peers for a security deposit associated with the secured payment instrument. The systems and methods, through training of machine learning algorithm, generate a recommendation for one or more peers that can be solicited for a security deposit associated with the secured payment instrument. If the security deposit is obtained, the secured payment instrument is issued. The security deposit is returned to the peers that contributed to the security deposit upon graduation of the secured payment instrument according to their pro rata contribution to the security deposit.

Abstract: Systems and methods for automatically and dynamically adjusting credit limits associated with secured payment instruments in real-time as available balances corresponding to user accounts associated with mobile payment services change occur are provided. As transactions using a user account associated with a mobile payment service occur, the systems and methods provided obtain in real-time corresponding updates to the available balance associated with the user account. The systems and methods provided dynamically adjust the credit limit associated with a linked secured payment instrument in real-time according to the updates to the available balance.

Abstract: Systems and methods for automatically generating and providing pre-qualification determinations for different secured and unsecured payment instruments are provided. In response to receiving an application for a secured payment instrument, the system obtains spend data associated with a user. The spend data corresponds to expenditures according to different spend categories. A machine learning algorithm is trained to identify a set of allowances corresponding to the different spend categories. This set of allowances are used to secure the secured payment instrument, which is issued to the user. The machine learning algorithm is updated using transaction data corresponding to usage of the secured payment instrument and historical data.

Abstract: Systems and methods are provided for automatically and dynamically adjusting security deposits and credit limits associated with security payment instruments as these secured payment instruments are used for different transactions. Transactions and credit performance data associated with a secured payment instrument are monitored to determine whether an adjustment to a security deposit and a credit limit associated with the secured payment instrument can be performed. If an adjustment is performed, an account associated with the secured payment instrument is updated according to the adjustment. As new transactions and credit evaluations associated with the secured payment instrument are processed in real-time, new adjustments can be made to the security deposit and credit limit.

Abstract: Disclosed embodiments may provide a framework to implement post-purchase tender switches. For example, following a transaction made with a particular payment instrument, a customer may be offered the ability to apply for a preferred payment instrument and/or to switch his or her tender type to the preferred payment instrument for the previous transaction.

Abstract: Disclosed embodiments may provide a framework to implement post-purchase tender switches. For example, following a transaction made with a particular payment instrument, a customer may be offered the ability to apply for a preferred payment instrument and/or to switch his or her tender type to the preferred payment instrument for the previous transaction.

Abstract: An application executed on a user device receives a request to initiate a transaction with an entity associated with a device implemented at a point-of-sale. The application detects that the user device is proximate to the device and detects an audial tone that encodes information corresponding to an entity associated with the device. The application transmits a request to transfer a payment to the entity, wherein the request includes the information and a payment amount for the payment. When the request is received by a payment processing system, the payment processing system transfers the payment to the entity and provides a confirmation for the payment. The application broadcasts a confirmation audial tone that encodes the confirmation. When the confirmation audial tone is received at the device, the device demodulates the confirmation audial tone to provide the confirmation to the entity.

Abstract: Disclosed embodiments may provide a framework to implement post-purchase tender switches. For example, following a transaction made with a particular payment instrument, a customer may be offered the ability to apply for a preferred payment instrument and/or to switch his or her tender type to the preferred payment instrument for the previous transaction.

Abstract: Disclosed embodiments may provide a framework to implement post-purchase tender switches. For example, following a transaction made with a particular payment instrument, a customer may be offered the ability to apply for a preferred payment instrument and/or to switch his or her tender type to the preferred payment instrument for the previous transaction.

Abstract: Disclosed embodiments may provide a framework to implement post-purchase tender switches. For example, following a transaction made with a particular payment instrument, a customer may be offered the ability to apply for a preferred payment instrument and/or to switch his or her tender type to the preferred payment instrument for the previous transaction.