Abstract: Systems and methods that utilize non-fungible tokens in association with the occurrence of gaming environment events and offer a marketplace to transact against such non-fungible tokens.

Abstract: The invention relates to distributed ledger technologies such as consensus-based blockchains. Computer-implemented methods for smart contract outcome determination are described. The invention is implemented using a blockchain network, which may be, for example, a Bitcoin blockchain. A set of conditions is determined between counterparties, with the set of conditions having a plurality of possible outcomes that includes a first possible outcome associated with a first distribution of a digital asset and a second possible outcome associated with a second distribution, different from the first distribution, of the digital asset. A counterparty transaction is created that includes, as output, the set of conditions encoded into computer-executable instructions and the digital asset. An outcome is received from a third party, with the outcome corresponding to the first possible outcome or the second possible outcome.

Abstract: Methods and systems are provided for securing distributed shares of an electronic wallet. An example method includes provisioning a plurality of devices each hosting an e-wallet share with enhanced privacy identification (EPID) private keys for the e-wallet share. A signature is posted for the e-wallet share to a blockchain. A determination is made as to whether the e-wallet share is compromised, and, if so, posting a revocation list comprising the signature for the e-wallet share to a blockchain.

Abstract: The present invention generally relates to the use of stable value digital assets and/or fiat-backed digital assets as cryptocurrencies that can be linked to other digital assets using blockchain technology and/or through a peer-to-peer network. In embodiments, the present invention relates to specific applications of fiat-backed digital assets and/or stable value digital asset tokens tied to a peer-to-peer network, such as a blockchain network.

Abstract: In one embodiment, the disclosure provides a machine-implemented technique that improves the traditional methods of expense reimbursement processes by allowing an authorized delegate, e.g., administrative assistant, that is acting on behalf of another, e.g., account owner, to add expense items through a device on which the delegate is logged-in to, as opposed to a device on which the account owner is logged-in to, all without requiring the delegate to manage multiple user accounts and in an automated fashion.

Abstract: A technique for enabling non-native accounts to be processed by a processing system may include receiving an account identifier scheme that is used by a third-party entity to provide access to accounts associated with the third-party entity, and assigning an entity identifier to the third-party entity in which the entity identifier conforms to a native format used by the processing system. An application programming interface can be modified to recognize account identifiers of the third-party entity. A transaction request can be received to execute a transaction in which the transaction request includes a resource provider identifier of the third-party entity and an account identifier of an account of the third-party entity. The entity identifier assigned to the third-party entity can be determined using the modified application programming interface, and the transaction can be processed using the entity identifier assigned to the third-party entity.

Abstract: Various embodiments are related to apparatuses and methods for enabling a sender to perform monetary transactions for a requestor. A sender can use, for example, a payment application associated with a payment processing system to perform a monetary transaction for a requestor. The payment processing system can send information related to the monetary transaction to, for example, a sender-requestor association component. When the monetary transaction is a deposit, the sender can receive funds for the deposit from the requestor. The platform can debit the requestor's financial account for the deposit amount and credit the sender's financial account with the debit account as a physical cash transaction occurs between the sender and the requestor.

Abstract: A transaction facilitation system is disclosed that is configured to affect crediting and debiting of gaming accounts for two or more gaming environments and structured to communicate with an issuing financial institution of a stored value account to affect crediting and debiting of the stored value accounts. The two or more gaming environments can be members of an alliance of gaming environments that are associated with the stored value account. Financial transactions using the stored value account can be used for customer relationship purposes.

Abstract: The disclosed technology is generally directed to a distributed query-and-command system. In one example of the technology, in a trusted execution environment (TEE) of a first node, database code of the first node and distributed ledger code of the first node is executed, such that execution of the distributed ledger code of the first node instantiates a first instance of a distributed ledger of a consortium blockchain, and such that execution of the query-and-command code of the first node instantiates a first instance of a query-and-command system. The consortium blockchain is distributed among a plurality of nodes, and the query-and-command system is distributed among the plurality of nodes. A first transaction that is associated with modifying the query-and-command system is received. The first transaction is executed. Changes associated with the first transaction to the distributed ledger are persisted.

Abstract: A computer system includes a container deployment and management server for executing a container builder. The container builder is configured to generate and deploy a transaction tax engine container. The container builder is configured to extract from client configuration settings a subset of multiple products and a subset of multiple geographic regions applicable to transactions processed by a client, identify a subset of the tax rate and rule data applicable to each of the subset of products in each of the subset of geographic regions, and create a local edge database including the subset of tax rate and rule data and excluding a reminder of the tax rate and rule data. The container builder is further configured to create a transaction tax engine container image and transmit the tax engine container image to an edge computing device.

Abstract: Systems, apparatuses, and methods for verifying physical presence of a mobile device as part of an electronic transaction. Tags may be generated and displayed on one or more display devices. Those tags, which may be time-limited, may be read by a mobile device to verify physical presence of the mobile device as a prerequisite to initiating, continuing with, or completing an electronic transaction, and/or as a decision point in how the electronic transaction is to be conducted.

Abstract: Verifiable order message handling for electronic auctions. Electronic order messages are received, with at least one message including an order of a predetermined type having sell order information associated with an entity having securities not previously registered for transactions. Requests for participation in an electronic auction are identified from among the messages. The requests include auction-only order information, with at least one request including the order of the predetermined type. It is determined whether the sell order information in the order of the predetermined type meets a predetermined auction condition based on an auction price. When the sell order information meets the predetermined auction condition, the order is permitted to participate in the electronic auction, such that the order is executed in full in the electronic auction. When the sell order information does not meet the predetermined auction condition, the electronic auction is canceled.

Abstract: A card having an antenna, one or processors, and memory having stored thereon a first application and a second application configured to receive an input of the card and determine a request associated with the input. The card is further configured to activate, responsive to determining that the request is consistent with a contactless EuroPay-MasterCard-Visa (EMV) data standard, the first application. The first application is configured to communicate, via near field communication (NFC), data to the communicating device via the antenna based on the EMV data standard for payment purposes. The card is further configured to activate, responsive to determining that the request is consistent with a near field communication data exchange format (NDEF) standard, the second application. The second application is configured to communicate, via NFC, data to the communicating device via the antenna based on the NDEF standard for verification/identification purposes.

Abstract: Systems, computer program products, and methods are described herein for expedited data transfer utilizing a secondary data log. The present invention may be configured to analyze a primary data log and determine a user having a high volume of data transactions within a defined timeframe. The present invention may be further configured to maintain a secondary data log for a predetermined time period and, upon conclusion of the predetermined time period, sum the data transactions from the secondary data log and record the sum on the primary data log. The present invention may be further configured to determine a pre-authorized credit for the user to be recorded on the secondary data log during the predetermined time period.

Abstract: Systems and methods related to integrating blockchain functions with external systems using a variable non-fungible token. A variable non-fungible token comprises a non-fungible token that is minted with an indication of a non-transferable ownership wallet (e.g., a digital wallet for which the non-fungible token is minted for), a non-transferable smart contract address that has permissions for updating metadata for the variable non-fungible token, and a metadata property threshold based on a specific user corresponding to the digital wallet.

Abstract: Systems, methods, and devices for integrating a first party service into a second party computer application are disclosed. In one embodiment, in a financial institution comprising at least one computer processor, a method for integrating a financial services payment service into a merchant computer application may include (1) receiving customer electronic device information from a customer electronic device using a first communication channel; (2) transmitting a passcode to the customer electronic device using a second communication channel; (3) receiving the passcode from the customer electronic device over the first communication channel; (4) sending a session identifier to electronic device over first communication channel; (5) receiving the session identifier from a merchant host; and (6) sending an authentication value to a merchant host. The merchant host may provide the authentication value to the customer electronic device.

Abstract: There are provided systems and methods for a browser tool and application for providing an exact amount transaction funding source or gift card. A digital gift card may be generated for an exact amount by detecting a checkout total is finalized on a merchant website having a checkout process. This may be done using a computing script that parses a DOM tree for the website and identifies webpage elements to monitor. By monitoring the webpage elements, a checkout total may be detected. This may occur by detecting when input and elements are finalized and present within one or more webpage fields, such as by monitoring HTML or XML code snippets A gift card network may be used to offer an exact amount gift card to a user to be used for full payment of the transaction.

Abstract: In one embodiment, a method includes receiving first payment data and a first identifier of a first user, wherein the first payment data is linked to the first identifier and stored in a datastore of the payment service and in association with a first user account of the payment service; receiving, second payment data and a second identifier of a second user, wherein the second payment data is linked to the second identifier and stored in the datastore and in association with a second user account of the payment service; receiving a request for a near-instantaneous transfer of a payment for a transaction between the first user and the second user, the request including the first identifier; and in response to receiving the request, identifying the first user account and the second user account; and causing the near-instantaneous transfer of the payment to a financial account of the first user.

Abstract: Expedited virtual currency transactions are provided by identifying a first user primary wallet associated with a virtual currency and including a first user primary wallet private key. First user secondary wallets are created that each include a respective first user secondary wallet private key, and a respective virtual currency transaction is performed using the first user primary wallet private key to transfer predefined amounts of the virtual currency from the first user primary wallet to each of the first user secondary wallets such that first user secondary wallets are provided with different predefined amounts of the virtual currency. Subsequently, an instruction is received to transfer a payment amount to a second user, and the second user is allocated a subset of the first user secondary wallet private keys included in respective first user secondary wallets that are associated with predefined amounts of the virtual currency that equal the payment amount.

Abstract: A mobile device includes a near-field communication (NFC) device, a network interface, an input/output device, and a processing circuit having a processor and a memory. The memory stores instructions that, when executed by the processor, cause the processing circuit to receive, via the input/output device, payment card information relating to a payment card of a customer and to transmit, via the network interface, the payment card information to a mobile wallet computing system. The instructions further cause the processing circuit to receive, via the network interface, an inactive payment token representing the payment card and to store the inactive payment token in a mobile wallet of the mobile device. The instructions further cause the processing circuit to establish, via the NFC device, an NFC session with an automated teller machine (ATM) and to update a status of the stored inactive payment token from inactive to active.

Abstract: The present disclosure discloses a method and system for dynamically processing financial transactions. The method includes receiving a transaction request including at least one unique identifier field to transfer payment into an account associated with a payment instrument and authorizing the transaction request based on one or more predetermined rules. The payment instrument is used at an electronic device by a merchant for transfer of the payment from a merchant account. Thereafter, the method includes generating a direct fund transfer message based on the at least one unique identifier field upon authorization of the transaction request and transmitting the direct fund transfer message to an issuer associated with the merchant account for authentication of the direct fund transfer message. Lastly, the method includes transferring dynamically the payment from the merchant account to the account associated with the payment instrument when the direct fund transfer message is authenticated by the issuer.

Abstract: A data processing method comprises creating and storing a dependency graph representing at least one derived dataset and one or more raw datasets or intermediate derived datasets on which the at least one derived dataset depends; reading configuration data specifying one or more periods for one or more datasets in the dependency graph; detecting a first update to a first dataset; initiating a first build of a first intermediate derived dataset only when a then-current time is within a first period of the one or more periods or a previous build of the first intermediate derived dataset occurred earlier than a then-current time less a second period of the one or more periods; asynchronously detecting a second update to a second dataset; initiating, in response to the second update, a second build of a second intermediate derived dataset that depends on the second dataset.

Abstract: The present disclosure relates generally to security tags, and more specifically relates to electronic article surveillance (EAS) tags. The tag prevents unauthorized removal of an article as well as triggers an alarm when the tag is attempted for tampering. The tag comprises a housing, a switch, and a processing circuit. The switch includes a first contact coupled with the housing and a second contact coupled with an article. The second contact is movable relative to the first contact. The processing circuit is provided to detect electrical disconnection between the first contact and the second contact, and trigger an alarm upon detecting the electrical disconnection.

Abstract: Described herein are techniques for facilitating push provisioning of a user payment source into a user's digital wallet without the user having a physical card. The techniques allow an issuer to provide a button in an issuer's mobile application for the user to simply push the button to request that the payment source be imported into the user's digital pay wallet. In this way, the payment source information is “pushed” into the pay wallet. Using push provisioning, the user need not enter any physical card information. The described techniques generate a chain of trust that can be used to ensure that a user, through an issuer and using an encryption gateway, authorizes a token service provider to provision the payment source into the user's digital wallet.

Abstract: An experimentation platform controls testing of features by an application server. Based on a user identifier, the experimentation platform determines which feature should be provided, and the application server provides the corresponding version of a user interface. If the user behavior data shows that using a tested feature results in an improvement, the tested feature will be adopted. To determine whether or not an improvement is observed, a statistically significant amount of data is gathered. The experimentation platform gathers data regarding user behavior for the feature versions and, in response, adjusts the frequency at which each version is served. Providing the proposed version to an increased percentage of users decreases the total number of page serves required to gather statistically significant data. The experimentation platform may provide an updated projected time to completion of testing based on the changed percentage of users receiving the proposed version.

Abstract: A method, a device, and a non-transitory storage medium are described in which a network analytics model service is provided. The service may include ingesting customized models and non-customized models by a network analytics device. The ingestion procedure may include receiving the model and model specification data. The service may include provisioning the model and registering the model for discovery by other network devices. The service may include specifying customized identifiers to be used prospective subscribing network devices for the analytics information. The service may also facilitate the use of the analytics information by the subscribing network devices.

Abstract: Provided are methods and systems for combining business process management (BPM) and robotic process automation (RPA) into a unified BPM and RPA process. An example method commences with creating a BPM process flow. The BPM process flow can include one or more BPM models for executing BPM tasks. The method then proceeds with creating an RPA process flow. The RPA process flow can include one or more RPA models for executing the one or more RPA tasks. The method can further include linking the one or more RPA models to the BPM process flow. Thereafter, the method proceeds with creating an application package associated with the unified BPM and RPA process. The application package can include the one or more BPM models and the one or more RPA models. The method can further include exporting the application package for deployment.

Abstract: Example methods, apparatuses, and systems are presented that allows a consumer to conduct a purchase backed by a volatile currency that is not recognized by a merchant as a valid form of payment, such as a cryptocurrency. A third-party payment system is configured to issue a secure, reliable token to replace a reserved amount of volatile currency that represents a reliable amount of currency that is recognized by the merchant as a valid form of payment. The third-party payment platform may issue the reliable amount of currency in the reliable token based on one or more risk factors associated with the volatile currency. After purchase, the third-party payment platform may perform a consumer settlement process at a later time, including performing a cryptocurrency blockchain verification process that typically takes at least several minutes and would be impractical to perform at the point of sale.

Abstract: A conversational computing platform can manage credits and other fund transfers from merchants to consumers based on preexisting relationships with the consumers. More specifically, in transactions creating an amount due from a merchant to a consumer, a message may be initiated to the consumer indicating that an amount has been approved for processing, identifying a payment method for the consumer on file with the platform, and asking the consumer to send a response with an approval/authentication code in order to disambiguate the response and initiate the payment to an account of the consumer.

Abstract: Identification information is received at a transaction machine. The identification information is associated with a user associated with an account. Using an activity profile of the user, a determination is made to enable chained transactions during the user's use of the transaction machine. A sequence of user interfaces to display to the user is generated enabling the user to chain transactions based on the activity profile.

Abstract: Systems, methods, and apparatuses for providing a customer a central location to manage permissions provided to third-parties and devices to access and use customer information maintained by a financial institution are described. The central location serves as a central portal where a customer of the financial institution can manage all access to account information and personal information stored at the financial institution. Accordingly, the customer does not need to log into each individual third-party system or customer device to manage previously provided access to the customer information or to provision new access to the customer information.

Abstract: In one aspect, the present disclosure proposes methods, devices and systems for partitioning a request associated with a digital asset into an arbitrary number of transactions. The partitioning is based on knowing or obtaining a maximum number of outputs allowed for a request and an arbitrarily selection of a possible integer partition of an arbitrarily selected integer. The randomly selected integer partition then forms the basis for determining the number of transactions and UTXOs, so that a digital asset value can be arbitrarily split across the determined UTXOs before being stored on a public blockchain. In another aspect, the present disclosure proposes methods, devices and systems for arbitrarily distributing a digital asset value associated with a request across an arbitrarily determined number of transactions. This is based on an arbitrarily selected number of transactions, and a maximum number of outputs allowed for each request.

Abstract: A control method is executed by a first server among a plurality of servers in a system including the plurality of servers and a generating device that generates record information about usage records for users belonging to one group when a service provided by a business operator is used on a group basis. The method includes: obtaining, from the generating device, first record information about a first usage record of a service by a first user belonging to the one group; determining whether the first record information obtained is permitted under a rule based on contract content, stored in the first server, of a contract entered into by the first user and the business operator; and forwarding first transaction data including a determination result to a plurality of second servers and storing a first block including the first transaction data in a distributed ledger managed by the first server.

Abstract: Systems, methods, and apparatuses for providing a customer a central location to manage permissions provided to third-parties and devices to access and use customer information maintained by a financial institution are described. The central location serves as a central portal where a customer of the financial institution can manage all access to account information and personal information stored at the financial institution. Accordingly, the customer does not need to log into each individual third-party system or customer device to manage previously provided access to the customer information or to provision new access to the customer information. A user additionally is able to have user data and/or third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal.

Abstract: Systems and methods are disclosed herein relating to payment processing systems. Payment processing systems facilitate financial transactions between customers and vendors. Cash-enabled payment processing systems facilitate transactions by those without bank accounts or who choose to use a cash-based system. Communication between vendors and customers simplifies invoicing and encourages payment.

Abstract: In various embodiments, a micro registry may be a mobile communication platform that is configured to connect to users and service hosts. The micro registry may facilitate advertisements, payments, communication, loyalty, behavior tracking, social media interaction, and/or any other suitable communication advertising, or transaction between a user and a service host. The micro registry may employ BLE beacons that enable the micro-registry to identify micro-locations and facilitate connections (e.g., interfaces, interactions, communications, etc.) between user devices and service hosts and/or merchants. A transaction card can be manufactured from rigid materials, such as glass, stone, or ceramics. First, a rigid layer of a transaction card can be placed within a first recess of a first metallic sheet. The first recess can comprise a lip and an opening. Next, a binding layer can be placed on top of the first rigid layer of the transaction card where the binding layer comprises a binding medium.

Abstract: A method of using cryptocurrency to transact fiat currency purchases using conventional POS apparatus includes funding by a user of a cryptocurrency account that requires withdrawal transactions to be signed by both the user and a payment platform. Upon purchase initiation, a platform-issued authorization number is entered into a merchant's POS apparatus and transmitted to the platform. Upon verification of sufficient cryptocurrency, the platform transmits payment information to the user, and upon approval thereof by the user, the user transmits a user-signed cryptocurrency transaction to the platform, and the platform remits fiat currency to the merchant. As purchases continue during an aggregation period, each user-signed transaction is sufficient to fund the aggregated purchases. Upon termination of the aggregation period, the most recent user-signed transaction is executed to withdraw cryptocurrency from the user's account.

Abstract: Systems, computer program products, and methods are described herein for determining data transmission destinations across an electronic network. The method includes receiving a resource data packet to be transmitted to one of a plurality of data centers across a network. The resource data packet is associated with a user identifier that corresponds to one of one or more users. The method also includes determining a target data center for the resource data packet based on the user identifier associated with the resource data packet. One or more character of the user identifier associated with the resource data packet designates the target data center for the user associated with the user identifier of the resource data packet. The method further includes causing a transmission of the resource data packet to the target data center based on the user identifier associated with the resource data packet.

Abstract: Exemplary embodiments are directed to a blockchain-based communication system. The system includes a first blockchain including a database configured to electronically store data associated with an originator and at least one recipient. The system includes a second blockchain configured to allow for transmission of data between the originator and the at least one recipient. The system includes a processing device in communication with the first blockchain and the second blockchain. The processing device is configured to receive a request from the originator to compose a message to be transmitted from the originator to the least one recipient. The processing device is configured to transmit within the second blockchain the message from an originator node associated with the originator to a recipient node associated with the at least one recipient.

Abstract: Verifiable order message handling for electronic auctions. Electronic order messages are received, with at least one message including an order of a predetermined type having sell order information associated with an entity having securities not previously registered for transactions. Requests for participation in an electronic auction are identified from among the messages. The requests include auction-only order information, with at least one request including the order of the predetermined type. It is determined whether the sell order information in the order of the predetermined type meets a predetermined auction condition based on an auction price. When the sell order information meets the predetermined auction condition, the order is permitted to participate in the electronic auction, such that the order is executed in full in the electronic auction. When the sell order information does not meet the predetermined auction condition, the electronic auction is canceled.

Abstract: Provided herein is a computing system including a processor in communication with at least one memory. The processor is configured to (i) build a model using historical vehicle telematics data and historical vehicle data, the model configured to: (a) predict an operating cost of a vehicle based upon a vehicle type and user data and (b) output operational parameters for operating the vehicle, (ii) receive a vehicle acquisition request for a selected vehicle including vehicle data for the selected vehicle and selected user data for the user of the selected vehicle, (iii) input the vehicle acquisition request data into the model, and (iv) output from the model an acquisition cost and operational parameters for the selected vehicle and the selected user including a procurement cost for the selected vehicle and an operating cost for operating the selected vehicle within the operational parameters for a predetermined time period.

Abstract: A system and method for allowing a user to manage transactions in an online credit card application. The system includes a back-end server operating the online application and including a processor for processing data and information, a communications interface communicatively coupled to the processor, and a memory device storing data and executable code. When the code is executed, the processor can link one or more external bank accounts to the online application, provide a list of transactions that were made using the credit card, and enable a user to group or categorize the transactions in the list by transaction type.

Abstract: A supplemental computing system can provide card services while saving processing power of a data center for other tasks. For example, the supplemental computing system described herein can include a processor and a memory that includes instructions that are executable by the processor to perform operations. The operations can include receiving a first subset of card requests. The operations can further include performing at least one servicing task to a card request resulting in an altered card request. Additionally, the operations can include selecting, for each altered card request in the first subset, a secondary card processor from at least one secondary card processor. The operations can also include transforming the altered card request into a secondary card processor specific card request suitable for the selected secondary card processor. The operations can include submitting the secondary card processor specific card request to the selected secondary card processor.

Abstract: The disclosed system provides a facility for split billing for a single user on multiple billing systems. The disclosed system activates the user on each respective billing system using a unique pairing, such as an international mobile subscriber identity that identifies the user, and a mobile station international subscriber directory number that identifies a particular user device. As device data is routed through a telecommunication network via each access point name (APN), the network generates call detail records (CDRs), which include an indication of the APN used. The CDRs are routed to a mediation platform that uses the received APN information to route each CDR to the appropriate target billing system and to the appropriate service types.

Abstract: Interaction is created between users and streamers even when the users give gifts to the streamers outside live-streams. Provided is a terminal of a user, which includes: one or more processors; and memory storing one or more computer programs configured to be executed by the one or more processors. The one or more computer programs include instructions for: receiving, from the user, an instruction to use a gift for a streamer while the user is not participating in a live-stream of the streamer; and causing an output unit to output an effect corresponding to the use of the gift by the user while the streamer is live-streaming.

Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for generating dynamic machine readable codes. In one embodiment, a system is introduced that enables the analysis of user information for the generation of the dynamic machine readable code. In response to the analysis, using middleware on a multi-tier system, user information is embedded onto the dynamic machine readable code. The embedded user information can be captured during the transaction enabling the presentation of customized content which can be used to provide a user friendly interface for the transacting while detecting incorrect account usage. In another embodiment, in conjunction with the dynamic machine readable code, additional user and/or device features are captured during the processing of a transaction such that the combination facilitate fraudulent activity detection.

Abstract: An automated teller machine includes: a bundle storage unit into which a bundle of paper mediums are input and which separates the bundle of paper mediums into individual sheets and conveys the paper mediums individually; a paper medium alignment unit that aligns and conveys the paper mediums conveyed individually from the bundle storage unit; a discrimination unit that discriminates the aligned paper mediums conveyed individually from the paper medium alignment unit; a normal banknote temporary holding unit that temporarily holds normal banknotes discriminated in the discrimination unit and conveyed individually; and a rejected banknote temporary holding unit that temporarily holds rejected banknotes discriminated in the discrimination unit and conveyed individually.

Abstract: Disclosed embodiments may include a system for data monitoring. The system may receive data associated with a user. The system may determine a rating corresponding to the user based on the received data. The system may dynamically generate a score by aggregating the rating and a respective second rating of additional user(s). The system may determine whether the score satisfies a first threshold. Responsive to determining the score satisfies the first threshold, the system may cause a user device to display, via a GUI, the score in a first format. Responsive to determining the score does not satisfy the first threshold, the system may determine whether the score satisfies a second threshold. Responsive to determining the score satisfies the second threshold, the system may generate a first modified GUI comprising the score in a second format, and may cause the user device to display the first modified GUI.

Abstract: The disclosed embodiments include computer-implemented apparatuses and processes that provision, in real-time, targeted recommendations based on decomposed structured messaging data. For example, an apparatus receives a message that includes elements of message data disposed within corresponding message fields. The message data may characterizes a real-time payment requested by a first counterparty from a second counterparty and associated with a first product provisioned to the second counterparty by the first counterparty. Based on elements of message data, the apparatus determines a value of a parameter that characterizes at least one of the second counterparty or a relationship between the second counterparty and the first counterparty, and transmits digital content associated with the parameter value to a device operable by the second counterparty, which presents a portion of the digital content within a digital interface.

Abstract: Various embodiments are provided for facilitating the operation and control of a fleet of on-site energy assets and optimizing energy dispatch across the fleet, thereby facilitating the use of the on-site energy assets instead of grid-supplied electric consumption. An example system may comprise a central platform and a plurality of on-site gateway devices configured to perform on-site asset control. An example method may comprise receiving a service availability call, performing fleet-level optimization, generating a set of site-level schedules, and causing, as a function of the site-level schedules, real-time on-site asset control.