Abstract: In some examples, a computing device sends, to an application on a user device, item information to cause the application to present a user interface including information about items available from a merchant. In response to receiving a user input via the user interface to select an item from the merchant, the computing device determines that a likelihood that the item will be unavailable exceeds a threshold. The computing device sends a communication that causes the application to present a plurality of selectable options to indicate actions to perform when the item is unavailable. The computing device receives a request to place the order for the item, and an indication of the action to perform. In response to receiving a communication from the merchant device indicating that the item is unavailable, the computing device sends an instruction to the merchant device indicating the action to perform.

Abstract: In some examples, a computing device sends, to an application on a user device, item information to cause the application to present a user interface including information about items available from a merchant. In response to receiving a user input via the user interface to select an item from the merchant, the computing device determines that a likelihood that the item will be unavailable exceeds a threshold. The computing device sends a communication that causes the application to present a plurality of selectable options to indicate actions to perform when the item is unavailable. The computing device receives a request to place the order for the item, and an indication of the action to perform. In response to receiving a communication from the merchant device indicating that the item is unavailable, the computing device sends an instruction to the merchant device indicating the action to perform.

Abstract: Some examples include providing an application for installation on a user device of a user of a payment service, and receiving transaction data associated with transactions of the user. A request to finance a transaction for the user is received via a user interface of the application. Based on the received transaction data, terms for financing the transaction are determined, with one term including a down payment to be satisfied prior to the user receiving the financing. The financed funds are accessible via a payment instrument that is initially associated with a locked state. After the down payment has been satisfied, the payment instrument is unlocked and becomes usable in the unlocked state. A payment request associated with the transaction includes payment data associated with the payment instrument. Based on receiving the payment request, the financing is issued and a repayment schedule is generated based on the terms.

Abstract: In some examples, a computing device may receive, from a user device, user input indicating selection of a first item to place an order with a merchant. The computing device may analyze a plurality of transaction records for past orders to determine a likelihood that the first item will be unavailable for the order. The computing device may send a communication that causes the user interface on the user device to display a notification including a request for an action to perform in the event that the first item is unavailable. The computing device may receive a response including an instruction for the action to perform. The computing device may cause the order to be placed with the merchant. In response to receiving subsequently an indication from the merchant that the first item is unavailable, the computing device may send a communication to cause the action to be performed.

Abstract: The disclosure proposes a novel method for generating public polynomials. The method simplifies key exchange processes, reduces the time required for key exchange and reduces the bandwidth required for data transmission from a server to a client. Secondly, the method keeps the calculation processes at both sides synchronized through a novel data exchange solution, particularly through handshaking signals, to ensure that the server and the client are always in the same key exchange process. In addition, the method further reduces a transmission bandwidth by sending information of the client twice. A state synchronization mechanism of the client and the server is proposed in the disclosure to ensure that Trivium modules at both sides are in the same state at the beginning of each key exchange, thereby avoiding reinitializing the modules and improving the operation efficiency of the whole system.

Abstract: The disclosure proposes a novel method for generating public polynomials. The method simplifies key exchange processes, reduces the time required for key exchange and reduces the bandwidth required for data transmission from a server to a client. Secondly, the method keeps the calculation processes at both sides synchronized through a novel data exchange solution, particularly through handshaking signals, to ensure that the server and the client are always in the same key exchange process. In addition, the method further reduces a transmission bandwidth by sending information of the client twice. A state synchronization mechanism of the client and the server is proposed in the disclosure to ensure that Trivium modules at both sides are in the same state at the beginning of each key exchange, thereby avoiding reinitializing the modules and improving the operation efficiency of the whole system.

Abstract: Using a source of funds for multiple events associated with a finance offer and subsequently issued loan is described. In an example, a computing device can generate a finance offer for purchase of an item from a merchant, wherein the finance offer is conditional on satisfaction of a down payment term of the finance offer. The computing device can receive, from a buyer, payment information associated with a source of funds for satisfying the down payment term of the finance offer and based at least in part on a determination that the down payment term has been satisfied the finance offer can be satisfied. In an example, the payment information, and the source of funds, can be involved with at least one other event associated with the finance offer or a loan generated responsive to finalizing the finance offer.

Abstract: Intelligently determining terms of conditional finance offers is described. In an example, a computing device can generate, at a first time, a finance offer for purchase of an item from a merchant, wherein the finance offer is conditional on satisfaction of a term of the finance offer. At a second time, the computing device can determine whether to modify the term of the finance offer. The computing device can determine whether the term or the modified term of the finance offer is satisfied and can finalize the finance offer after the term or the modified term of the finance offer is satisfied, wherein finalizing the finance offer enables a buyer to purchase the item from the merchant using funds associated with the finance offer.

Abstract: Techniques for performing processing and providing notifications for potentially missing items of an order are described herein. Some implementations analyze data regarding previous orders to predict a level of risk that a current order will be delivered without an item. If an order is associated with a relatively high level of risk, a courier may be informed to check an order for an item when retrieving the order from the merchant. The courier may receive a notification to check the order when the courier arrives at the merchant's location.