Abstract

Disclosed herein are system, method, and computer program product embodiments for managing generative artificial intelligence (AI) queries from client systems and responses to the queries from generative AI systems. A request management system may provide an adaptable framework for receiving, managing, monitoring, and/or controlling generative AI queries received from client systems seeking generative AI content. The request management system may authenticate client systems and generative AI systems. The request management system may also administer security and observabilities protocols to the queries and responses. The request management system may identify a ruleset that includes one or more conditions that indicate whether the queries and responses may be forwarded to the generative AI systems and client systems, respectively. This may provide enterprise computing control over interactions between client devices and generative AI systems.

IPC Classes  ?

• G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
• G06F 21/10 - Protecting distributed programs or content, e.g. vending or licensing of copyrighted material

Abstract

Disclosed are various embodiments for utilizing a shared blockchain to facilitate collaboration between partner institutions in collecting customer information. To begin, a computing device can receive an identifier associated with a user and a partner institution. Then, the computing device can obtain, based at least in part on the identifier, at least a user decentralized identifier (user DID) associated with the user and a partner decentralized identifier (partner DID) associated with the partner institution. Next, the computing device can identify a blockchain based at least in part on the partner DID. The computing device can then determine user data from the blockchain based at least in part on the user DID. Finally, the computing device can send the user data to a processing service.

IPC Classes  ?

• H04L 67/1097 - Protocols in which an application is distributed across nodes in the network for distributed storage of data in networks, e.g. transport arrangements for network file system [NFS], storage area networks [SAN] or network attached storage [NAS]
• H04L 67/51 - Discovery or management thereof, e.g. service location protocol [SLP] or web services

Abstract

Disclosed are various embodiments for automated parallelization of logical rules. A first computing device can determine individual dependencies between individual ones of a plurality of objects stored in the memory, each of the objects comprising a node representing a logical rule and at least one edge representing variable linked to the logical rule. The first computing device can then divide the plurality of objects into a plurality of groups of objects based at least in part on the individual dependencies between the individual ones of the objects, wherein individual objects within individual ones of the groups of objects are independent of individual objects within other ones of the groups of objects. Subsequently, the first computing device can assign individual ones of the groups of objects to individual computing devices for execution in parallel, the individual computing devices being separate from the first computing device.

IPC Classes  ?

• G06F 9/48 - Program initiatingProgram switching, e.g. by interrupt
• G06F 9/38 - Concurrent instruction execution, e.g. pipeline or look ahead

Abstract

Disclosed are various embodiments for processing multiple documents in an image. First, text from each of one or more documents in an image can be identified. An orientation of each of the one or more documents can be determined based at least in part on an alignment of the text of each of the one or more documents. Additionally, using an object detection model, the one or more documents in the image can be identified based at least in part on the orientation of each of the one or more documents. Finally, the one or more documents can be separated from the image into one or more separate image files, each separate image file representing a respective document of the one or more documents.

IPC Classes  ?

• G06V 30/148 - Segmentation of character regions
• G06V 10/82 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using neural networks
• G06V 30/146 - Aligning or centering of the image pick-up or image-field
• G06V 30/40 - Document-oriented image-based pattern recognition

Abstract

Disclosed herein are system, method, and computer program product embodiments for providing search results to an agent that are organized and streamlined to allow for quick and efficient navigation by the agent. The database responds to a search query with a plurality of search results. Certain configurations allow these data entries to include tags included within their metadata that identify a type associated with those entries. The entries are then categorized based on their respective types. Once categorized, the categories are then analyzed for relevance to determine which of the categories should be displayed. Once this has been determined, then each of the different panes are sized and positioned based on their respective relevancy. Further, entries within the different panes can be emphasized based on their relevance to provide the agent with a short list of highest relevance entries for review.

IPC Classes  ?

• G06F 16/9538 - Presentation of query results
• G06F 16/906 - ClusteringClassification

Abstract

Disclosed herein are system, method, and computer program product embodiments for classifying call data using machine learning techniques. The classification may include generating a numeric sentiment classification for a call. A sentiment classification system receives data including call transcript text and metadata related to the call and preprocesses the data to generate preprocessed data. The sentiment classification system further applies the preprocessed data to a sentiment classification model trained to produce a plurality of probability values respectively corresponding to a plurality of sentiment categories. The plurality of sentiment categories correspond to different potential qualities of the call transcript text. The sentiment classification system further determines a numeric sentiment classification based on comparing the plurality of probability values to a plurality of thresholds respectively corresponding to the plurality of sentiment categories. The numeric sentiment classification corresponds to a quality of the call.

IPC Classes  ?

• G06F 18/2415 - Classification techniques relating to the classification model, e.g. parametric or non-parametric approaches based on parametric or probabilistic models, e.g. based on likelihood ratio or false acceptance rate versus a false rejection rate
• G06F 40/35 - Discourse or dialogue representation
• G06N 7/01 - Probabilistic graphical models, e.g. probabilistic networks

Abstract

Disclosed herein are system, method, and computer program product embodiments for increasing data security by using generative adversarial networks (GAN) and transformer models to detect sensitive data leakage. A transformer model may receive a message via a network. The transformer model may then apply a GAN model to determine whether the message contains potentially sensitive data requiring further inspection. If the message contains potentially sensitive data, the transformer model may determine sensitive data types may be included in the message and the likelihood that sensitive data is present. Based on the transformer model's determination, a blocking policy may be applied to prevent sensitive data leakage.

IPC Classes  ?

• G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
• G06N 3/094 - Adversarial learning

Abstract

Disclosed herein are system, method, and computer program product embodiments for using a combination of large language models (LLMs), generative adversarial networks (GANs), and/or quantum GANs to detect software vulnerabilities. A vulnerability scanning system receives source code. The vulnerability scanning system generates quantum source code by transforming the source code into a quantum computing data format. The vulnerability scanning system determines that the source code includes a potential vulnerability by applying a quantum generative adversarial network (QGAN) model to the quantum source code. In response to determining that the source code includes a potential vulnerability, the vulnerability scanning system determines that the source code includes code corresponding to a vulnerability by applying a large language model to the source code. The vulnerability scanning system may then apply a vulnerability policy to the source code to mitigate the vulnerability and/or to prevent its spread.

IPC Classes  ?

• G06F 21/57 - Certifying or maintaining trusted computer platforms, e.g. secure boots or power-downs, version controls, system software checks, secure updates or assessing vulnerabilities

Abstract

Systems and methods are disclosed for generating interactive user interfaces for evaluating transactions of an organization. For example, a system can be configured to receive transactions for an organization and determine a first day and a last day of a trip from the metadata. The system can identify a merchant has a merchant billing location independent of a particular transaction and assign a respective transaction to a set of transactions for the trip. The system can identify a parameter value for a spending type associated with the set of transactions. A parameter adjustment recommendation can be determined from a comparison between the parameter value and a parameter benchmark. A spending type user interface can be displayed on a client device that includes the parameter adjustment recommendation.

IPC Classes  ?

• G06Q 40/12 - Accounting

Abstract

Disclosed are various embodiments for providing consistent user content. A first content request is received from a browser. Personalized content is then generated based at least in part on the first content request. A second content request is then received from the browser, the second content request including personally identifying information (PII). The alternative personalized content is then generated using the personally identifying information (PII). Either the personalized content or the alternative personalized content is elected to become the consistent personalized content. The consistent personalized content is provided to the browser in response to the second request.

IPC Classes  ?

• G06F 16/23 - Updating
• G06F 16/9535 - Search customisation based on user profiles and personalisation
• G06F 16/9537 - Spatial or temporal dependent retrieval, e.g. spatiotemporal queries
• G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules

Abstract

Disclosed are various embodiments for self-healing data clusters. One or more candidates are determined from the candidate pool to be evaluated with the new record. A unique pair combination is generated for each one of the candidates of the candidate pool and the new record. Next, candidate data for the one or more candidates is identified from the existing record based at least in part on one or more matching rules. A weight is assigned to one or more matching rules. Then, the candidate data of the one or more candidates and the new record is evaluated for a data linkage. A distance is calculated between each of the unique pair combinations. Finally, the candidates of the existing record and the new record are clustered into groups.

IPC Classes  ?

• G06F 16/906 - ClusteringClassification

Abstract

Disclosed are various embodiments for using a voice-enabled application for prospect digital acquisition. In some embodiments, a system comprises a computing device and machine-readable instructions. The instructions, when executed, cause the computing device to identify a command from a first utterance provided by a voice-enabled service. The command includes an instruction to provide content associated with opening a transaction account at a transaction account service. An audio prompt can be selected based at least in part on the command. The audio prompt is transmitted to the voice-enabled service. A second utterance is received from the voice-enabled service. The computing device transmits a content request for opening the transaction account to a computing environment associated with the transaction account service. Content for opening the transaction account is received from the computing environment. Audio content is transmitted to the voice-enabled service for playback.

IPC Classes  ?

• G06Q 30/0207 - Discounts or incentives, e.g. coupons or rebates
• G10L 15/22 - Procedures used during a speech recognition process, e.g. man-machine dialog
• G10L 15/30 - Distributed recognition, e.g. in client-server systems, for mobile phones or network applications

Abstract

Disclosed are various approaches for providing personalized recommendations in a privacy preserving manner. A request from a provider application is received, the request comprising an anonymized user identifier and a navigation identifier that identifies a location of a user associated with the anonymized user identifier within a user interface of the provider application. A user associated with the anonymized user identifier is identified. Then, an activity history of the user is analyzed in order to select a layout order, wherein the layout order is selected based at least in part on the navigation identifier and the activity history of the user. The layout order is then provided to the provider application.

IPC Classes  ?

• G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
• G06F 21/31 - User authentication
• G06Q 30/0201 - Market modellingMarket analysisCollecting market data

Abstract

Disclosed are various embodiments for issuing virtual cards to client devices. Also disclosed are embodiments for provisioning a transaction terminal to process transactions with virtual cards. A zero-knowledge proof algorithm can be utilized to validate the transactions. A virtual card can be based upon a public key of a client device that is managed by a hardware security module.

IPC Classes  ?

• G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
• G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
• G06Q 20/38 - Payment protocolsDetails thereof
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
• H04L 9/00 - Arrangements for secret or secure communicationsNetwork security protocols
• H04L 9/06 - Arrangements for secret or secure communicationsNetwork security protocols the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems
• H04L 9/30 - Public key, i.e. encryption algorithm being computationally infeasible to invert and users' encryption keys not requiring secrecy
• H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system

Abstract

Disclosed herein are apparatus, system, method, and computer-readable medium aspects for extracting themes from textual data. Textual data is initially cleansed from its submitted form into a simplified form for improved accuracy of topic extraction. From the cleansed text, phrases are extracted. Embeddings of the phrases are then determined so that similarities can be identified between different phrases within the text. Using these embodiments, clustering is performed on the embeddings to reveal the topics included within the text submission, as well as their frequency and relationship to one another. This clustering processing can be repeated at multiple levels of granularity for improved accuracy. Based on an analysis of the resulting clusters, a graphical representation of the clusters at the various levels is generated to provide an easy-to-understand indication of the body of text and the topics and themes included therein.

IPC Classes  ?

• G06F 40/30 - Semantic analysis
• G06F 16/35 - ClusteringClassification
• G06F 40/232 - Orthographic correction, e.g. spell checking or vowelisation
• G06F 40/289 - Phrasal analysis, e.g. finite state techniques or chunking

Abstract

Disclosed are various embodiments for an integrated services experience. Various embodiments of the disclosure can receive a first request from a client device to prepare a disbursement to a target account. Various embodiments can then identify target account preferences that correspond to the target account. The target account preferences can include various disbursement methods accepted by the target account. Then, various embodiments can send a list of the disbursement methods accepted by the target account to the client device, which the client can choose a disbursement method and a disbursement amount. Various embodiments can then initiate a disbursement to the target account to receive the disbursement amount using the chosen disbursement method.

IPC Classes  ?

• G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
• H04L 67/02 - Protocols based on web technology, e.g. hypertext transfer protocol [HTTP]

Abstract

Disclosed herein are system, method, and computer program product embodiments for controlling message routing for transaction processing platforms. The routing of transaction messages mitigates service disruptions to client systems facilitating transactions with consumers. A connection management and transaction routing platform (CMTRP) system applies routing configurations, such as passthrough, throttling, and/or maintenance toggle configurations, to facilitate the routing of transaction messages. This routing may route message to different transaction processing platforms and/or different instances of transaction processing platforms. The CMTRP system also routes transaction messages when transaction processing functionality is being migrated from a first transaction processing platform to a second transaction processing platform and/or when a platform is undergoing maintenance.

IPC Classes  ?

• H04L 47/193 - Flow controlCongestion control at layers above the network layer at the transport layer, e.g. TCP related

Abstract

Disclosed herein are system, method, and computer program product embodiments for providing improved travel searching and data management. Rather than searching through one or more intermediary aggregators, a travel data management system communicates directly with suppliers or other inventory managers. A plurality of routing rules can be applied at the front-end in order to determine particular suppliers to which the request should be routed. This can be based on user preferences, past user behavior, current supplier offers and deals, and other information. Once a supplier has been identified from this information, the request is routed accordingly. A response includes a plurality of search results that can be viewed and selected by the customer. Once a selection is made, and the reservation confirmed, the booking is automatically added to an itinerary data structure associated with the customer that can be updated and/or revised based on future changes.

IPC Classes  ?

• G06Q 50/14 - Travel agencies
• G06Q 10/02 - Reservations, e.g. for tickets, services or events

Abstract

Disclosed are various embodiments for fulfilling requests through a registry of virtual agents. A request can be received from a first virtual agent. An intent corresponding to the request can be identified, and a second virtual agent associated with the intent can be identified. An identifier for of the second virtual agent can be provided to the first virtual agent.

IPC Classes  ?

• G06N 5/043 - Distributed expert systemsBlackboards
• G06F 40/216 - Parsing using statistical methods
• G06F 40/40 - Processing or translation of natural language

Abstract

Disclosed are various embodiments for an advanced and intelligent document system. A computing device can show a user interface on a display of the computing device, wherein at least a portion of an intelligent dynamic document is presented within the user interface. The computing device can then receive a prompt via the user interface. Subsequently, the computing device can execute a large language model (LLM) to generate a response to the prompt, wherein the LLM is embedded within the intelligent dynamic document and the response is based at least in part on the content of the intelligent dynamic document. Finally, the computing device can present the response within the user interface.

IPC Classes  ?

• G06F 40/40 - Processing or translation of natural language

Abstract

The system comprises approving a credit application during a single http session, transmitting an encoded secure token to a web-client participating in the http session, receiving from the mobile communications device the secure token, and transmitting the transaction account data to the mobile communications device, in response to the receiving the secure token. The system may further comprise the mobile communications device decoding the secure token.

IPC Classes  ?

• G06Q 20/38 - Payment protocolsDetails thereof
• G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
• G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
• G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
• G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment

Abstract

Disclosed are various embodiments for a federated learning financial intellect service. In one example, a system comprises a client device configure to identify a purchase of a user profile and transmit transaction data associated with the purchase to a remote computing device for generating snapshot data. The snapshot data is synchronized with the remote computing device based at least in part on a time interval. The snapshot data comprises insight actions applicable to a financial account of the user profile. The client device is configured to identify a request to activate a virtual avatar interface and determine a user state based at least part on a status of the financial account. The client device is configured to determine an insight action to display based at least in part on the current user state and the snapshot data and display the virtual avatar interface to include the insight action.

IPC Classes  ?

• G06Q 40/06 - Asset managementFinancial planning or analysis
• G06Q 20/20 - Point-of-sale [POS] network systems
• H04L 67/306 - User profiles

Abstract

Systems and methods are described related to using flexible circuitry in a payment device. In one embodiment, a payment device comprises a computing device and a memory. The computing device is configured to store a biometric identifier associated with a transaction account. The computing device is configured to at least receive, by the antenna, an interrogation signal from a point of sale (POS) device in order to activate the payment device for a payment transaction. The computing device is configured to determine a scanned fingerprint identifier of a user based at least in part on the interrogation signal activating the payment device and authenticate the scanned fingerprint identifier by matching the scanned fingerprint identifier to the biometric identifier. The transaction account is transmitted to the POS device for processing the payment transaction based at least in part on the authentication of the scanned fingerprint identifier.

IPC Classes  ?

• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
• G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
• G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
• G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
• G06Q 20/20 - Point-of-sale [POS] network systems
• G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
• G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
• G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
• H04W 12/06 - Authentication

Abstract

Disclosed are various examples for managing post quantum cryptography migrations of application services. For example, a system can include a computing device that is configured to identify a uniform resource location associated with source code for an application service and identify a cryptographic primitive in the source code by scanning the source code. The computing device can be configured to generate a large language model prompt for a cryptographic bill of materials based at least in part on the cryptographic primitive. The cryptographic bill of materials for the source code can be generated by inputting the large language model prompt to a large language model application. The cryptographic bill of materials can include a list of cryptographic components.

IPC Classes  ?

• G06F 8/75 - Structural analysis for program understanding
• G06F 21/60 - Protecting data

Abstract

A plain text smart contract may be sent to a plurality of nodes associated with a distributed ledger. Each node of the plurality of nodes may be configured and/or associated with a respective large language model trained to interpret plain text. A plain text description of a transaction for the smart contract may be sent to the plurality of nodes. The transaction may be validated based on consensus information received from at least a portion of nodes of the plurality of nodes. A respective portion of the consensus information may be generated by each node of the at least the portion of nodes based in part on at least a portion of the plain text smart contract stored by the node compared to the plain text description of the transaction by the respective large language model.

IPC Classes  ?

• G06Q 40/06 - Asset managementFinancial planning or analysis

Abstract

Disclosed herein are system, method, and computer program product embodiments for converting data transformation functions for one data consolidation tool to another data consolidation tool. A transformation function conversion system converts one or more first data transformation functions to one or more second data transformation functions using a mapping configuration file. The mapping configuration file includes direct and/or indirect mappings for data transformation functions. This may translate one or more functions from the first data consolidation tool to the second data consolidation tool. The transformation function conversion system may also convert configuration files containing the data transformation functions and/or metadata. The transformation function conversion system also generates a graphical user interface (GUI) with a visual representation of the data transformation process. Data transformation functions may be converted from a locally hosted data warehouse system to a cloud-based data warehouse system.

IPC Classes  ?

• G06F 16/25 - Integrating or interfacing systems involving database management systems

Abstract

Disclosed herein are system, method, and computer program product embodiments for generating metadata element recommendations. For example, the method includes acquiring, by at least one processor and via a user interface, metadata associated with a data store. The method also includes performing natural language processing on the metadata to generate processed metadata, generating a candidate table name and a table description associated with the candidate table name for a table included in the metadata, and generating a first candidate attribute name, an attribute description associated with the first candidate attribute name, and a corresponding data type for each attribute associated with the table. The method also includes generating a second candidate attribute name for each attribute by extracting one or more keywords from the first candidate attribute name, and modifying the user interface to include at least the candidate table name.

IPC Classes  ?

• G06F 16/2457 - Query processing with adaptation to user needs
• G06F 16/242 - Query formulation

Abstract

Disclosed are various approaches for blockchain-enabled large language model (LLM) red teaming. A large language model (LLM) red teaming management agent executed in a distributed ledger environment can deploy a plurality of subsidiary agents in the distributed ledger environment. An LLM red teaming agent deployed in the distributed ledger environment can cause a network service to perform an LLM red teaming action and return an LLM red teaming result. The LLM red teaming result can be evaluated to generate endorsement status information for the LLM.

IPC Classes  ?

• H04L 9/40 - Network security protocols
• H04L 9/00 - Arrangements for secret or secure communicationsNetwork security protocols

Abstract

Disclosed are various approaches for large language model (LLM) interaction security sandboxing. A client device can execute an LLM security sandbox that includes at least one LLM communications sanitization process. The LLM security sandbox can perform the at least one LLM communications sanitization process on the LLM message to generate an approved LLM message. The client device can provide access to the approved LLM message by at least generating a user interface that includes the approved LLM message, or transmitting the approved LLM message from the client device to the LLM service.

IPC Classes  ?

• G06F 21/53 - Monitoring users, programs or devices to maintain the integrity of platforms, e.g. of processors, firmware or operating systems during program execution, e.g. stack integrity, buffer overflow or preventing unwanted data erasure by executing in a restricted environment, e.g. sandbox or secure virtual machine
• G06F 40/20 - Natural language analysis

Abstract

Disclosed are various embodiments for providing non-fungible tokens (NFT) as a mechanism for verifying ownership of payment instruments such as stored value payment instruments. First, a computing device can receive a redemption request submitted from a client device using a redemption uniform resource locator specified in a non-fungible token (NFT). Then, the computing device can verify a user who submitted the redemption request is associated with an owner of the NFT based at least in part on an NFT owner public key. Next, the computing device can search for a stored value payment instrument based at least in part on the verification of the user being associated with the owner of the NFT. Then, the computing device can provide payment information of the stored value payment instrument to the client device.

IPC Classes  ?

• G06Q 20/38 - Payment protocolsDetails thereof

Abstract

Disclosed herein are system, method, and computer program product embodiments for validation and testing of a sequence of multiple applications. A developer may define one or more test scripts corresponding to user interaction journeys traversing a sequence of applications. The sequence may include a diverse technology stack including user interface, mainframe, and mobile applications. A test execution engine may execute the test scripts to traverse the user interaction journey across the different types of applications in the sequence. The test execution engine identifies applications returning errors and compiles analytical data corresponding to the error. The test execution engine also notifies developers corresponding to the particular application returning the error and generates a graphical user interface for viewing the analytical data. Developers may view the impact of the error on the particular user interaction journey and quickly identify, diagnose, and correct the error.

IPC Classes  ?

• G06F 11/36 - Prevention of errors by analysis, debugging or testing of software
• G06F 3/14 - Digital output to display device
• G06F 11/3668 - Testing of software
• H04L 51/046 - Interoperability with other network applications or services
• H04L 51/42 - Mailbox-related aspects, e.g. synchronisation of mailboxes

Abstract

Disclosed herein are system, method, and computer program product embodiments for providing a diversified cryptographic Root of Trust for application instances installed on different user devices. After installing an application, a client device transmits, to a cryptography server, (1) an application identification corresponding to a key from an operating system key store on the client device and (2) a device identification specific to an instance of the application on the client device. The cryptography server uses this data to generate and transmit a unique device fingerprint to the client device. The client device then diversifies a white-box cryptography (WBC) library using the application identification, the device identification, and the device fingerprint. The diversified WBC library protects the storage of cryptographic keys obtained from the cryptography server. These keys protect sensitive data on the client device and sensitive data sent to the cryptography server and other application servers.

IPC Classes  ?

• H04L 9/08 - Key distribution
• H04L 9/14 - Arrangements for secret or secure communicationsNetwork security protocols using a plurality of keys or algorithms
• H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
• H04L 9/40 - Network security protocols

Abstract

Disclosed herein are system, method, and computer program product embodiments for providing ambient awareness of user actions between individual web modules or web applications within a webpage or web interface. The different modules subscribe to various notifications based on module type, action type, or other user action properties. An ambient awareness layer exists in the backend to receive detected event notifications from the different web modules indicating the detection of some user action with respect to graphical user interfaces (GUIs) generated by those modules. Based on the subscription properties, the ambient awareness layer identifies one or more web modules to be notified of the detected event. The ambient awareness layer then transmits an event notification to those modules. In response, the modules that receive the notification can modify the appearance of respective GUIs or their behavior to specifically tailor themselves to the user's actions or apparent interests.

IPC Classes  ?

• G06F 9/54 - Interprogram communication
• G06F 9/451 - Execution arrangements for user interfaces

Abstract

Disclosed herein are system, method, and computer program product embodiments for providing predictive interface generation. As a user interacts with a user interface, information relating to the user, including the user activity within the user interface and/or historical data relating to the user is provided to a machine learning model. The machine learning model uses artificial intelligence and the received user data to predict a likely next action that the user will take. In some instances, multiple next actions are determined, each with a corresponding confidence score. A most likely subset of those results are then provided to a preloading system that retrieves the data from a database that is needed to provide the response to those actions. This data is then preloaded in memory for immediate access, in the event that one of the predicted actions is actually carried out by the user.

IPC Classes  ?

• G06N 20/00 - Machine learning
• H04L 67/50 - Network services

Abstract

Disclosed are various embodiments for generating payment accessibility notifications for individuals with impairments. In one non-limiting example, a system includes a first computing device configured to identify a second computing device using a wireless communication protocol in a store location. A first notification for the first computing device is activated based at least in part on an accessibility type. A user interface is displayed for receiving client data, and the client data includes a product entered by a user. An expected amount is determined for the product based at least in part on the client data and transmitted to the second computing device. A pending amount for the product is received from the second computing device. A second notification is activated for the first computing device prior to a completion of the purchase based at least in part on the pending amount and the expected amount.

IPC Classes  ?

• G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
• G06Q 20/20 - Point-of-sale [POS] network systems

Abstract

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. A second rigid layer can be placed on top of the binding layer. A second metallic sheet can be placed on top of the first metallic sheet where the second metallic sheet has a second recess with a lip and an opening. Next, the first metallic sheet can be fused together with the second metallic sheet to form a fused metal sheet. The fused metal sheet can be cut along a border of the opening of the first recess.

IPC Classes  ?

• G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier

Abstract

Disclosed are various approaches for managing payment variability by developing a schedule of monthly payments. An exemplary method of the present disclosure comprises predicting, using an eligibility data model, a level of volatility of spending for a user based on at least transaction data and transaction account balance data of the user during a previous year; predicting, using a balance prediction data model, a future spend behavior for the user during an upcoming period of time, wherein the upcoming period of time comprises a plurality of months; generating a monthly payment schedule for the user for the upcoming period of time based on the predicted future spend behavior of the user; and for each month of the upcoming period of the time, issuing a monthly payment statement to the user based on the generated monthly payment schedule. Other methods, systems, and computer-readable mediums are also presented.

IPC Classes  ?

• G06Q 40/02 - Banking, e.g. interest calculation or account maintenance

Abstract

An example embodiment provides a method that includes one or more of executing a sequence of job steps for a job by a sequence of job step executors within a data processing pipeline, recording current job execution data generated by the sequence of job step executors during the executing of the sequence of job steps, determining whether the executing of the sequence of job steps includes a deviation based on comparing the current job execution data to historical job execution data of the data processing pipeline stored in a data store, wherein the deviation is determined by comparing a current step execution dataset to a recorded step execution dataset in the data store, and generating a failure alert when the deviation is included.

IPC Classes  ?

• G06F 9/38 - Concurrent instruction execution, e.g. pipeline or look ahead

Abstract

Disclosed are various embodiments relating to configuring a payment instrument for making foreign purchases in a destination country of an international traveler based at least in part on detecting a transaction for a foreign travel trip. In some examples, the system comprises a computing device that is configured to receive transaction data associated with a user profile. A transaction is identified in the transaction data based at least in part on one or more eligibility criteria. The eligibility criteria can be used to identify that the transaction is for a foreign travel event. Traveler data associated with the transaction is retrieved from a travel computing system. Offer content is generated based at least in part on a comparison between the traveler data and the user profile. Offer content is transmitted to the client device associated with the user profile.

IPC Classes  ?

• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
• G06Q 20/38 - Payment protocolsDetails thereof
• G06Q 30/0251 - Targeted advertisements

Abstract

Disclosed are various embodiments for generating user points for payment actions applied to an owed balance from eligible payment accounts or source accounts associated with an entity. In some examples, a system comprises a computing device that is configured to receive payment action data from a client device associated with a user identifier. A payment action is identified for an owed balance assigned to the user identifier. The payment action comprises a first identifier for a source account and a second identifier for the owed balance. A common attribute is identified between the first identifier and the second identifier. A payment amount for the payment action is determined to have been held for a threshold time period. The payment amount for the payment action is determined to have been cleared. A user point amount for the user identifier is generated.

IPC Classes  ?

• G06Q 30/0226 - Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
• G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems

Abstract

Disclosed are various embodiments for inferring a schema for a flat file when a corresponding schema file defining the structure of the data included in the flat file is not available. In some examples, a trained schema inference model can be used to determine the corresponding schema defining the data structure and relationships of the data include the flat file. In other examples, statistical analysis and pattern detection is used to determine the corresponding schema of the flat file. Once a flat file schema is defined, a compliance analysis can be performed to ensure that the data of the flat file conforms with various privacy and compliance regulations. If a compliance issue is detected, the flat file can be flagged for manual review and/or modified to rectify the compliance issue.

IPC Classes  ?

• G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
• G06F 16/11 - File system administration, e.g. details of archiving or snapshots

Abstract

Disclosed are various embodiments for minimizing hallucination-based responses by verifying or otherwise identifying one or more accurate responses generated by multiple large language model (LLM) service providers to a prompt through the use of a decentralized network. LLM service providers can be part of a decentralized network that allows multiple LLM service providers to receive a prompt. Each LLM service provider in the network can generate a response to the prompt by applying the prompt to one or more LLM models associated with the LLM service. Once a response has been formulated, the LLM service provider can transmit the response in a decentralized data storage for storage. In various examples, a threshold number of stored responses can be compared to one other to determine a level of similarity between responses and to identify any response that may correspond to a hallucination and, therefore, an inaccurate response.

IPC Classes  ?

• G06F 40/20 - Natural language analysis

Abstract

At least some embodiments are directed to a large-scale data standardization system. The system receives a set of documents with records formatted according to a third-party data schema. The system utilizes a first machine learning model to select a document from the set of documents. The system utilizes a machine learning model to select data classification labels formatted according to the third-party data schema. The classification labels are associated with a set of records. The system utilizes a second machine learning model to generate a canonical data structure constructed according to a standardized data schema based on the classification labels and the records associated with the classification labels.

IPC Classes  ?

• G06F 16/215 - Improving data qualityData cleansing, e.g. de-duplication, removing invalid entries or correcting typographical errors
• G06N 3/04 - Architecture, e.g. interconnection topology
• G06N 3/08 - Learning methods
• G06N 5/01 - Dynamic search techniquesHeuristicsDynamic treesBranch-and-bound
• G06N 5/04 - Inference or reasoning models
• G06N 20/20 - Ensemble learning

Abstract

Disclosed are various embodiments for a mutual privacy-preserving transfer of information using natural language and oblivious transfer (OT) protocols. A receiver entity can send a response request with prompts and corresponding keys to a sender entity. The sender entity can generate the responses using an output of large language models. Before sending the responses to the receiver entity, the sender entity encrypts the responses. The receiver entity can only decrypt the response that is encrypted using the public key associated with the receiver entity.

IPC Classes  ?

• G06F 40/20 - Natural language analysis
• G06F 21/60 - Protecting data

Abstract

Disclosed are various approaches for large language model (LLM) application risk mitigation. A large language model (LLM) application that interacts with a network LLM service can be identified. A portion of the LLM application can be provided as input to an LLM risk mitigation code generation function that outputs LLM-specific risk mitigation code. A runtime environment can be deployed to include a modified version of the LLM application that includes the LLM-specific risk mitigation code, a kernel-layer LLM risk mitigation program that can intercept LLM interaction system calls to apply the LLM-specific risk mitigation code, or any combination thereof.

IPC Classes  ?

• G06F 8/35 - Creation or generation of source code model driven
• G06F 8/60 - Software deployment

Abstract

Disclosed herein are system, method, and computer program product embodiments for providing search results to an agent that are organized and streamlined to allow for quick and efficient navigation by the agent. The database responds to a search query with a plurality of search results. Certain configurations allow these data entries to include tags included within their metadata that identify a type associated with those entries. The entries are then categorized based on their respective types. Once categorized, the categories are then analyzed for relevance to determine which of the categories should be displayed. Once this has been determined, then each of the different panes are sized and positioned based on their respective relevancy. Further, entries within the different panes can be emphasized based on their relevance to provide the agent with a short list of highest relevance entries for review.

IPC Classes  ?

• G06F 16/9538 - Presentation of query results
• G06F 16/906 - ClusteringClassification

Abstract

Disclosed are various embodiments for enhancing user action recommendations. Various embodiments include a computing device that can provide enhanced user interactions. First, the user interaction application can receive a conversation request. Next, the NLP application can process and analyze the conversation between an agent and a user. Next, the speech-to-text can transcribe the call and generate a transcript. The intent of the user can be interpreted from the transcript. Next, the intent is stored in the data. Finally, one or more recommendations are generated and displayed on the user interface of the agent device.

IPC Classes  ?

• G06F 40/35 - Discourse or dialogue representation
• G06Q 30/015 - Providing customer assistance, e.g. assisting a customer within a business location or via helpdesk

Abstract

Disclosed herein are system, method, and computer program product embodiments for providing application resiliency using a machine learning model trained to detect potential failures based on computational transaction metrics. A resiliency system may monitor metrics related to an application executing on an enterprise data system. The resiliency system may apply these metrics to a machine learning model trained to identify a potential application failure based on application usage trends. In response to detecting a potential failure of the application, the resiliency system may instruct the application to execute one or more resiliency actions. These may include one or more circuit breaker, rate limiter, time limiter, and/or bulkhead actions. The resiliency actions may aid the application in avoiding failure states. The resiliency actions may also be modified based on feedback metrics to aid the application in quickly restoring service once the failure state has been avoided.

IPC Classes  ?

• G06F 11/00 - Error detectionError correctionMonitoring
• G06F 11/30 - Monitoring
• G06F 11/34 - Recording or statistical evaluation of computer activity, e.g. of down time, of input/output operation

Abstract

Disclosed are various approaches for using generative large language models (LLMs) and a shared text corpus to facilitate automated in-depth authentication of a user. A private text corpus can be shared between the user account and a verification entity. At least one authentication prompt can be generated using a large language model trained at least in part on the private text corpus. At least one authentication prompt can be sent to an authentication agent associated with the user. The authentication agent can send an authentication response based at least in part on the at least one authentication prompt and the private text corpus. The authentication response can be verified based at least in part on the private text corpus.

IPC Classes  ?

• H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
• H04L 9/40 - Network security protocols

Abstract

Disclosed are various embodiments for using a voice-enabled application for prospect digital acquisition. In some embodiments, a system comprises a computing device and machine-readable instructions. The instructions, when executed, cause the computing device to identify a command from a first utterance provided by a voice-enabled service. The command includes an instruction to provide content associated with opening a transaction account at a transaction account service. An audio prompt can be selected based at least in part on the command. The audio prompt is transmitted to the voice-enabled service. A second utterance is received from the voice-enabled service. The computing device transmits a content request for opening the transaction account to a computing environment associated with the transaction account service. Content for opening the transaction account is received from the computing environment. Audio content is transmitted to the voice-enabled service for playback.

IPC Classes  ?

• G06Q 30/0207 - Discounts or incentives, e.g. coupons or rebates
• G10L 15/22 - Procedures used during a speech recognition process, e.g. man-machine dialog
• G10L 15/30 - Distributed recognition, e.g. in client-server systems, for mobile phones or network applications

Abstract

Disclosed herein are method, system, and computer product embodiments for generating a textual summary of a data set based on traversing a decision tree according to sequence and rank numbers related to a query. Subsets of the data set may receive a rank number indicating the relevancy of the subset of data to the query. In response to traversing the desicion tree, a textual summary representative of the data set and subsets of data may be generated and displayed. The textual summary may also include a course of action recommendation based on the culmination of the data set and relevant data subsets.

IPC Classes  ?

• G06N 20/00 - Machine learning

Abstract

Disclosed are various approaches for large language model (LLM) supply chain security. In one example, an LLM-extended software bill of materials can be extended to provide LLM specific supply chain information for an LLM application that communicates with an LLM service. The LLM-extended software bill of materials can be attached to the LLM application. An LLM specific security test can be performed on the LLM application. A signed LLM security test attestation can be attached to the LLM-extended software bill of materials based on completion of the automated LLM security test. The LLM application or the LLM-extended software bill of materials can be published or transmitted to a predetermined network endpoint.

IPC Classes  ?

• G06F 21/55 - Detecting local intrusion or implementing counter-measures
• G06Q 10/0875 - Itemisation or classification of parts, supplies or services, e.g. bill of materials

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 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.

IPC Classes  ?

• H04W 4/021 - Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences
• H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Abstract

Disclosed are various approaches for authentication optimization for chatbot interactions. A chat request can be received including a cryptographic signature, a client identifier, and an utterance for a chatbot. An artificial intelligence model can be invoked to generate a similarity assessment using the utterance from the chat request, and at least one prior utterance stored in association with the client identifier. Approval or denial to waive validation of the signature can be identified using the similarity assessment and a set of predetermined chat validation rules. Validation of the signature can be omitted or performed based at least in part on the approval or denial decision. The utterance can be transmitted to a chatbot service.

IPC Classes  ?

• H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
• H04L 51/02 - User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail using automatic reactions or user delegation, e.g. automatic replies or chatbot-generated messages

Abstract

Disclosed are various embodiments for processing multiple documents in an image. First, text from each of one or more documents in an image can be identified. An orientation of each of the one or more documents can be determined based at least in part on an alignment of the text of each of the one or more documents. Additionally, using an object detection model, the one or more documents in the image can be identified based at least in part on the orientation of each of the one or more documents. Finally, the one or more documents can be separated from the image into one or more separate image files, each separate image file representing a respective document of the one or more documents.

IPC Classes  ?

• G06V 30/148 - Segmentation of character regions
• G06V 10/82 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using neural networks
• G06V 30/146 - Aligning or centering of the image pick-up or image-field
• G06V 30/40 - Document-oriented image-based pattern recognition

Abstract

Disclosed are various embodiments for providing verifiable credentials representing a driver's license or other form of identification issued by a government or a third-party. A wallet application can request a third-party issued identification of a user from a third-party application installed on the computing device. The wallet application can then receive the third-party issued identification from the third-party application. Subsequently, the wallet application can verify the third-party issued identification and then establish a secure communications channel with an issuer service. The wallet application can then request a verifiable credential that represents the third-party issued identification.

IPC Classes  ?

• H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system

Abstract

Systems and methods for machine learning model retraining is described. In one example, a system includes a computing device that is configured to determine an anomaly score from a first input of a featurized data set for a machine learning model of a deployment environment. The computing device is configured to determine a feature correlation score for the machine learning model based at least in part on a second input of a featurized historical data set for the machine learning model. A model retraining frequency time period for the machine learning model is determined based at least in part on the feature correlation score and the anomaly score.

IPC Classes  ?

• G06N 20/00 - Machine learning

Abstract

Disclosed are approaches for managing verifiable credential linkages or relationships. An exemplary system of the present disclosure comprises a computing device comprising a processor and a memory; and machine-readable instructions stored in the memory that, when executed by the processor, cause the computing device to at least: receive a request from a user device of a first user to issue a delegation verifiable credential that indicates that the first user has a delegation relationship with a second user; request confirmation from the second user of the delegation relationship with the first user; after receiving confirmation, issue a new verifiable credential for the first user, wherein the new verifiable credential includes a delegation attribute value that describes the delegation relationship between the first user and the second user; and transmit the new verifiable credential to the user device of the first user. Other systems, methods, and computer-readable mediums are also presented.

IPC Classes  ?

• H04L 9/40 - Network security protocols

Abstract

Transaction account holders are able to attach additional data to a transaction in concert with the transaction being initiated, prior to the merchant posting the transaction. Transaction account holders do not have to wait and/or opt for an external service provider to assist with the compiling and/or attaching of data at a later point in time (e.g., after the merchant posts the transaction). Transaction account holders may upload and access electronic receipts associated with a transaction authorization almost immediately after the sale and/or authorization of the transaction.

IPC Classes  ?

• G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
• G06Q 20/04 - Payment circuits
• G06Q 20/08 - Payment architectures
• G06Q 30/04 - Billing or invoicing

Abstract

Disclosed herein are system, method, and computer program product embodiments for extracting and tracking metadata from a data store. For example, the method includes extracting a plurality of identifiers of data from a data source. An identifier uniquely identifies a record in the data source. The method further includes scanning the data to extract a plurality of data samples, extracting metadata from each data sample of the plurality of data samples, hashing the metadata of each respective data sample to generate a respective hash value associated with each respective data sample of the plurality of data samples, comparing the hash values to identify one or more unique hash values, identifying one or more unique schemas corresponding to the unique hash value, and storing the one or more unique schemas in a data store. The metadata comprises schema indicative of one or more attributes of each respective data sample.

IPC Classes  ?

• G06F 16/21 - Design, administration or maintenance of databases
• G06F 16/22 - IndexingData structures thereforStorage structures

Abstract

Disclosed herein are system, method, and computer program product embodiments for controlling message routing for transaction processing platforms. The routing of transaction messages mitigates service disruptions to client systems facilitating transactions with consumers. A connection management and transaction routing platform (CMTRP) system applies routing configurations, such as passthrough, throttling, and/or maintenance toggle configurations, to facilitate the routing of transaction messages. This routing may route message to different transaction processing platforms and/or different instances of transaction processing platforms. The CMTRP system also routes transaction messages when transaction processing functionality is being migrated from a first transaction processing platform to a second transaction processing platform and/or when a platform is undergoing maintenance.

IPC Classes  ?

• H04L 47/193 - Flow controlCongestion control at layers above the network layer at the transport layer, e.g. TCP related

Abstract

Disclosed are various approaches for authenticating users using verifiable credentials. An enrollment request is received from a browser. In response to the enrollment request, a set of authentication questions can be selected. The set of authentication questions can then be sent to the browser. Next, a set of answers to a subset of the set of authentication questions is received. Subsequently, a decentralized identifier communication (DIDComm) protocol connection is established with a wallet application. Then, a verifiable credential that represents the set of answers to the subset of the set of authentication questions is issued to the wallet application.

IPC Classes  ?

• H04L 9/40 - Network security protocols
• H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system

Abstract

Disclosed are various embodiments for managing a graph of decentralized identifiers (DIDs) associated with verifiable credentials (VCs) and verifiable credential linkages or relationships including those denoting linkages amongst verifiable credentials of different users. The DID tree graph can be maintained and managed to ensure that the DIDs and corresponding VCs are accurate and that the linkages or relationships between DIDs and corresponding VCs are still valid. The DID tree graph can be queried to identify DIDs associated with a DID subtree representing an established relationship or linkage between one or more VCs.

IPC Classes  ?

• H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
• H04L 9/00 - Arrangements for secret or secure communicationsNetwork security protocols

Abstract

Disclosed are various embodiments for payment protocols using decentralized identifiers (DIDs) and verifiable credentials (VCs). Various embodiments can receive a transfer peer DID comprising at least a first account peer DID, a second account peer DID, and instructions to initiate a transfer for a transfer amount between a first user record and a second user record. The first user record can be identified by the first account peer DID. The second user record can be identified by the second account peer DID. Various embodiments can generate a VC for the first account peer DID that comprises at least an authorization amount that represents an account balance that has been increased or decreased by the transfer amount. In various embodiments, the VC can be signed by a private key associated with an institution DID. Various embodiments can then send the VC to the client device.

IPC Classes  ?

• G06Q 20/38 - Payment protocolsDetails thereof
• G06Q 20/22 - Payment schemes or models

Abstract

Disclosed are various approaches for issuing and verifying multi-claim verifiable credentials and verifiable presentations. In various embodiments, an issuer can send a request for information to a holder and obtain a response from the holder. The issuer can extract claims from the message, validate at least one of the claims, and generate a verifiable credential (VC) for the holder based at least in part on the claims, which can be sent to the holder. The holder can then generate a verifiable presentation (VP) based at least in part on the VC and send the VP to a verifier. The verifier can then verify the VP and interpret the claims within the VC.

IPC Classes  ?

• H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
• H04L 9/30 - Public key, i.e. encryption algorithm being computationally infeasible to invert and users' encryption keys not requiring secrecy

Abstract

Disclosed are various embodiments for consolidated protocols for decentralized identifier communications (DIDComm). In various embodiments, an issuer can receive a secure connection request and request for a credential from a holder. The issuer can then send a second packet comprising an acceptance of the secure connection request to the holder and subsequently send a verifiable credential after establishing the secure connection. The holder can simultaneously send an acknowledgement for setting up the secure connection and receiving the verifiable credential. The holder can request a second secure connection with a verifier. After establishing the second secure connection, the holder can send a verifiable presentation or the verifiable credential to the verifier, which the verifier can verify.

IPC Classes  ?

• H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
• H04L 9/08 - Key distribution

Abstract

Systems and methods for the calculation of a dynamic trust score are disclosed. The dynamic trust score may indicate a likelihood that the consumer will complete the transaction in a positive manner. The system may calculate the dynamic trust score based on various static and dynamic variables including digital identity data, internal data, third-party data, private data, and/or data from the transaction initiated by the consumer.

IPC Classes  ?

• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
• G06Q 20/38 - Payment protocolsDetails thereof
• G06Q 30/018 - Certifying business or products
• G06Q 30/0204 - Market segmentation
• H04L 9/00 - Arrangements for secret or secure communicationsNetwork security protocols
• H04L 9/08 - Key distribution

Abstract

Disclosed are various embodiments for providing non-fungible tokens (NFT) as a mechanism for verifying ownership of payment instruments such as stored value payment instruments. First, a computing device can receive a purchase notification, the purchase notification indicating that a first user has purchased a stored value payment instrument. Then, the computing device can create a non-fungible token (NFT) on a distributed data store in response to receipt of the purchase notification. Next, the computing device can associate a unique identifier of the NFT with the stored value payment instrument. Subsequently, the computing device can receive a first public key associated with the first user. Then, the computing device can update an owner identifier of the NFT with the first public key associated with the first user.

IPC Classes  ?

• G06Q 20/38 - Payment protocolsDetails thereof

Abstract

A system and method for generating product analytics insights for machine learning platforms is disclosed. The system and method can receive a log file including data derived while executing a software program. Software packages and the package sub-modules logged in the log file may be categorized into a plurality of package categories. A notebook in which the software code is written, and identified in the log file, may be categorized into a notebook category. A consumable insight may be generated based on: the categorized software packages and package sub-modules, and the categorized notebook. A natural language summary may be generated describing the consumable insight. The natural language summary may be transmitted for display on a graphical user interface (GUI) in response to a user query.

IPC Classes  ?

• G06Q 30/02 - MarketingPrice estimation or determinationFundraising
• G06F 16/23 - Updating
• G06Q 30/0201 - Market modellingMarket analysisCollecting market data

Abstract

Disclosed are various embodiments for securely conducting online in-application purchases. In one example, among others, a system comprises a client device that is configured to identify a purchase request from a merchant application executed on the client device and generate a security attestation for the purchase request based at least in part on executing a security library installed in the client device, the security attestation being provided to a wallet provider. The client device is configured to determine whether the purchase request is authorized based at least in part on data provided from the wallet provider in association with the security attestation and transmit a token for an account to the wallet provider based at least in part on the determination of whether the purchase request is authorized.

IPC Classes  ?

• G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
• G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
• G06Q 20/38 - Payment protocolsDetails thereof
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists

Abstract

Disclosed are various embodiments for securely sharing confidential data between applications. A deep link request can be received from a first computing device, the deep link request identifying a set of data to be shared and a deep link schema. A token that represents the set of data can then be created. Also, a deep link that complies with the deep link schema and includes the token can also be created. The deep link and the token can then be returned to the first computing device. Later, a data request containing the token can be received from a second computing device. The set of data associated with the token can then be return to the second computing device.

IPC Classes  ?

• H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
• G06F 21/44 - Program or device authentication
• G06F 21/60 - Protecting data

Abstract

Disclosed are various embodiments for using machine learning models to identify appropriate security patterns to follow during the application development process. A computing device can receive a request to identify a collection of security patterns to apply to an application and then identify a plurality of features associated with the application. Next, the computing device can submit the plurality of features to a random forest machine learning model and receive a first set of security patterns in response. Then, the computing device can submit the plurality of features to a k-nearest neighbor (KNN) machine learning model and receive a second set of security patterns in response. Then, the computing device can identify a subset of the security patterns that is included in both the first set of security patterns and the second set of security patterns and return the subset of the security patterns.

IPC Classes  ?

• G06F 21/52 - Monitoring users, programs or devices to maintain the integrity of platforms, e.g. of processors, firmware or operating systems during program execution, e.g. stack integrity, buffer overflow or preventing unwanted data erasure
• G06N 20/20 - Ensemble learning

Abstract

Disclosed are various embodiments for using decentralized identity to verify account information for a user requesting a transfer of funds between one or more financial entities (e.g., banks, credit unions, brokerage firms, mortgage companies, etc.). A user having account with a first entity can request that a balance credential be created claiming that the balance of funds within the account meets or exceeds a predefined threshold. The balance credential can be created and saved on a distributed ledger in relation to a decentralized identity identifier (DID) of the user. When a second entity wants to verify the account balance of the user, the verifying entity which can use the DID to access the balance credential on the distributed ledger and validate the accessed credential.

IPC Classes  ?

• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
• G06Q 20/38 - Payment protocolsDetails thereof

Abstract

Disclosed are various embodiments for authenticating a user using non-fungible tokens (NFTs). A trusted token issuer verifies a user's identity according to identifying credentials (e.g., government issued identification, passport, driver's license, etc.) presented by the user and creates a non-fungible token in response to verifying the credentials. The non-fungible token is associated with a user identifier and can be used by an access provider to authenticate a user requesting access to restricted content provided by the access provider. For example, when a client device associated with the user requests access from an access provider to an access-restricted website or other type of access-restricted area (e.g., building, concert venue, network, etc.), the access provider (e.g., website server, building computing device, venue system, etc.) uses the properties of the non-fungible token to verify one's identity and permit access upon verification.

IPC Classes  ?

• H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
• H04L 9/00 - Arrangements for secret or secure communicationsNetwork security protocols
• H04L 9/08 - Key distribution
• H04L 9/40 - Network security protocols

Abstract

Disclosed are various approaches for relationship and attribute management are described. In some examples, a verifier service performs a verification process using a relationship decentralized identifier (DID) that provides proof of a relationship between the holder and a DID management service. An attribute request is that specifies an attribute is transmitted from the verifier service to the DID management service. The DID management service provides the verifier service with information based on the attribute once the holder provides an authorization response that authorizes usage of the attribute.

IPC Classes  ?

• G06F 21/45 - Structures or tools for the administration of authentication

Abstract

Disclosed are various approaches for facilitating verifier integrations using computer models. An exemplary system of the present disclosure comprises a computing device comprising a processor and a memory; and machine-readable instructions stored in the memory that, when executed by the processor, cause the computing device to at least: receive an unstructured claim query for a data document from an entity computing device, wherein the data document is structured in accordance with a data document schema; parse the unstructured claim query to identify attributes that are then converted to a machine-understandable representation of the unstructured claim query; prepare, using a predictive model that is trained to understand data documents that are structured in accordance with the data document schema, a query response to the machine-understandable representation of the unstructured claim query by evaluating contents of the data document; and transmit the query response to the entity computing device.

IPC Classes  ?

• G06F 16/3332 - Query translation
• G06F 40/205 - Parsing

Abstract

Systems and methods for automated travel itinerary management based on real-time event aggregation are disclosed. The system may aggregate event data, in real-time, from multiple distributed data sources to generate an automated itinerary based on travel-related transactions. The system may update the automated itinerary as additional travel-related transactions are completed. The system may also include travel data from travel systems, concierge systems, and manual input in the automated itinerary.

IPC Classes  ?

• G06Q 10/02 - Reservations, e.g. for tickets, services or events
• G06Q 30/0601 - Electronic shopping [e-shopping]
• G06Q 50/14 - Travel agencies

Abstract

Disclosed are various embodiments for garbage collection for object-based storage systems. A first set of objects stored in a data object store is identified as not meeting criteria for deletion or archiving, the criteria specified in a retention policy. A second set of objects is identified by performing a search of the object data store for data objects belonging to a data structure with the first set of objects. The second set of objects is recorded as not meeting the criteria for deletion or archiving. The second set of data objects are retained, based on the recording, to prevent the data structure from being corrupted.

IPC Classes  ?

• G06F 3/06 - Digital input from, or digital output to, record carriers

Abstract

A computing device (e.g., a server, a cloud-based device, a network device, an item analysis device, etc.) may receive location information indicating a geographic location of a user device and image data captured by the user device of a listing (e.g., a menu, an event ticket, a content source, etc.) for a selectable item. The computing device may determine an entity offering the selectable item based on the location information. An intent indicator for the selectable item may be determined based on the entity and the information for the selectable item. An instruction to the user device may cause modification of the image data to indicate the intent indicator based on the intent indicator satisfying an intent threshold that defines a level at which an intent is classified as a positive intent.

IPC Classes  ?

• G06F 3/0482 - Interaction with lists of selectable items, e.g. menus
• G06F 3/14 - Digital output to display device
• G06F 40/20 - Natural language analysis
• G06F 40/58 - Use of machine translation, e.g. for multi-lingual retrieval, for server-side translation for client devices or for real-time translation
• G06N 5/022 - Knowledge engineeringKnowledge acquisition
• G06Q 40/04 - Trading Exchange, e.g. stocks, commodities, derivatives or currency exchange
• G06V 30/10 - Character recognition
• H04L 67/52 - Network services specially adapted for the location of the user terminal

Abstract

Disclosed are various embodiments for facilitating a multi-ledger framework in a trust over internet protocol (TOIP) environment. A listing of ledgers can be maintained by a ledger registry. Entities in the TOIP environment can retrieve a listing of ledgers and cache the contents of the ledgers so that the contents can be accessed if a particular ledger is inaccessible.

IPC Classes  ?

• H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system

Abstract

Disclosed are various embodiments for complete webforms based on decentralized identifiers. A decentralized identifier communication (DIDComm) protocol connection is established with a wallet application. Then, a request is sent to the wallet application for a verifiable credential (VC) that contains at least one value for at least one field in a web application. The VC is then received from the wallet application and verified or validated. Next, at least one field in a form is completed with the at least one value specified by the verifiable credential. The web application is then updated to reflect that the at least one field has been filled with the at least one value.

IPC Classes  ?

• G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
• G06F 40/174 - Form fillingMerging
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists

Abstract

Disclosed are various embodiments for offline decentralized identity-based communications between software applications. In one non-limiting example, a system can include a computing device that is configured to detect a network connection loss to a network and receive, via a local area network, a request for an action to be performed by a client device. The request includes a first digital signature of the client device and is associated with a decentralized identifier. The computing device is configured to generate a mutually signed request that includes a second digital signature executed by the computing device and the first digital signature. The mutually signed request is transmitted to the client device. A network connection to the network is detected. The decentralized identifier is validated using the network. The requested action is performed by the computing device based at least in part on the validation of the decentralized identifier.

IPC Classes  ?

• H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system

Abstract

Disclosed are various embodiments for automating API provisioning for API consumers and API providers using decentralized identity. In various examples, an application that uses APIs to access a resource needed by the application obtains an API key for authentication based at least in part on communications between a consumer decentralized identifier (DID) agent associated with the consumer entity and a provider DID agent associated with the API provider. The provider DID agent can verify the API consumer and generate an API key that can be used by the API consumer for resources requests using the API associated with the API provider. An API service provider can authenticate the API consumer and provide the resource to the API consumer during a session in which the API consumer is authenticated.

IPC Classes  ?

• H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
• H04L 9/00 - Arrangements for secret or secure communicationsNetwork security protocols

Abstract

Disclosed herein are aspects for dispersing a non-fungible token in response to a security program. An aspect begins by generating a three-dimensional virtual world. The aspect continues by receiving a request to access a test program as part of a security program in the three-dimensional virtual world. The test program includes a display of a source code and instructions for a user to resolve an associated challenge. The aspect then determines a tier of the user, where the tier indicates progress of the user in resolving challenges corresponding to the security program. The test program is generated based on the tier of the user and is generated on a user device through a perspective of a virtual camera. The aspect continues by receiving a resolution to the challenge. A non-fungible token is then generated based on the resolution, assigned to a digital wallet, and recorded on a blockchain.

IPC Classes  ?

• A63F 13/792 - Game security or game management aspects involving player-related data, e.g. identities, accounts, preferences or play histories for payment purposes, e.g. monthly subscriptions
• A63F 13/52 - Controlling the output signals based on the game progress involving aspects of the displayed game scene

Abstract

Disclosed are various embodiments for accelerating transactions and managing cashflow by predicting and crediting payment amounts for requests for payments that are satisfied by third party providers (e.g., insurance providers, claim payment providers, etc.). A user who is a registered participant in an accelerated transaction program can submit a claim to a claim payment provider requesting payment or reimbursement of funds associated with an event. While waiting for the claim payment provider to process the claim, trained models can be used to analyze the claim data, user data, claim payment provider data, historical data, and/or other information to (1) predict whether the claim will be approved by the claim payment provider and (2) estimate an amount that will be provided to the medical provider by claim payment provider. The user can be credited for the predicted amount while waiting for the claim to be processed.

IPC Classes  ?

• G06Q 40/08 - Insurance
• G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
• G06Q 20/38 - Payment protocolsDetails thereof
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
• G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment

Abstract

At least some embodiments are directed to a large-scale data standardization system. The system receives a set of documents with records formatted according to a third-party data schema. The system utilizes a first machine learning model to select a document from the set of documents. The system utilizes a machine learning model to select data classification labels formatted according to the third-party data schema. The classification labels are associated with a set of records. The system utilizes a second machine learning model to generate a canonical data structure constructed according to a standardized data schema based on the classification labels and the records associated with the classification labels.

IPC Classes  ?

• G06F 16/215 - Improving data qualityData cleansing, e.g. de-duplication, removing invalid entries or correcting typographical errors
• G06N 3/04 - Architecture, e.g. interconnection topology
• G06N 3/08 - Learning methods
• G06N 5/01 - Dynamic search techniquesHeuristicsDynamic treesBranch-and-bound
• G06N 5/04 - Inference or reasoning models
• G06N 20/20 - Ensemble learning

Abstract

In various embodiments, a system, method, and computer readable medium of the present disclosure comprises obtaining credential information of a user of the computing device; authenticating the credential information of the user; releasing, in response to authenticating the credential information, a first secret element to a secure element processor of the computing device, wherein the first secret element is associated with a first transaction account; comparing the first secret element with an issuer element associated with the first transaction account; verifying that the user is an authorized user based on the comparison of the first secret element with the issuer element; initiating a payment transaction using first transaction account information with a point of sale terminal; and/or sending an indication that the user has been confirmed as an authorized user to the point of sale terminal to enable authorization of the payment transaction initiated by the computing device.

IPC Classes  ?

• G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
• G06F 21/44 - Program or device authentication
• G06Q 20/38 - Payment protocolsDetails thereof
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists

Abstract

Embodiments for intelligently matching a user to an agent for a communication session are disclosed. In one example, a system that comprises a computing device that is configured to receive a request from a client device to open a data communication session with an agent and determine whether interaction data is stored for the client device from a previous interaction with the computing device. The agent can be identified to participate in the data communication session based at least in part on the determination of whether the interaction data is stored for the client device from the previous interaction. The data communication session can be established between an agent client device of the agent and the client device based at least in part on the agent being identified for participation in the data communication session.

IPC Classes  ?

• H04M 3/523 - Centralised call answering arrangements requiring operator intervention with call distribution or queuing
• G06N 20/00 - Machine learning
• G06Q 10/0631 - Resource planning, allocation, distributing or scheduling for enterprises or organisations
• H04M 3/51 - Centralised call answering arrangements requiring operator intervention

Abstract

Disclosed are various embodiments for using decentralized identity services and generative large language models (LLMs) to facilitate a humanized interactive chatbot session between two entities where information exchanged can be verified for accuracy. An interactive session can be established between a chat wallet service associated with a first user (e.g., a credential holder) and a second user (e.g., inquirer) using decentralized identity services. Inquiries asked by the second user can be directed to the chat wallet service which can obtain a response from a personalized dialog agent. The personalized dialog agent can obtain the answer by executing a language model that has been trained and personalized using information about the first user. The answer to the inquiry can be verified by comparing the answer with a verified credential associated with the first user. The verified response to the inquiry can then be provided to the second user.

IPC Classes  ?

• G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
• H04L 9/30 - Public key, i.e. encryption algorithm being computationally infeasible to invert and users' encryption keys not requiring secrecy

Abstract

Disclosed are various embodiments for configurable and event driven smart hybrid cloud orchestrators. Various embodiments include a first computing device that can receive a request that includes various configurations to perform one or more actions. The first computing device can generate machine-readable instructions to perform a first action. The first computing device can send a first event to an event hub that includes the machine-readable instructions. The second computing device can receive the first event from the event hub and provision computing resources. The second computing device can then modify the machine-readable instructions based on the computing resources and then execute the machine-readable instructions. The second computing device can send a second event indicating that the first action has completed. The first computing device can receive the second event from the event hub.

IPC Classes  ?

• G06F 3/06 - Digital input from, or digital output to, record carriers

Abstract

Disclosed are various embodiments for inferring a schema for a flat file when a corresponding schema file defining the structure of the data included in the flat file is not available. In some examples, a trained schema inference model can be used to determine the corresponding schema defining the data structure and relationships of the data include the flat file. In other examples, statistical analysis and pattern detection is used to determine the corresponding schema of the flat file. Once a flat file schema is defined, a compliance analysis can be performed to ensure that the data of the flat file conforms with various privacy and compliance regulations. If a compliance issue is detected, the flat file can be flagged for manual review and/or modified to rectify the compliance issue.

IPC Classes  ?

• G06F 16/10 - File systemsFile servers
• G06F 16/11 - File system administration, e.g. details of archiving or snapshots
• G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules

Abstract

Disclosed are various embodiments for verifying the presentation of media represented by non-fungible tokens (NFTs). A presentation device can receive a smart contract address and a non-fungible token (NFT) identifier from a client device. The presentation device can then execute a function of a smart contract located at the smart contract address to obtain the owner address for the NFT, wherein the NFT identifier is provided as an argument to the function of the smart contract. Subsequently, the presentation device can validate the owner address for the NFT. Then, in response to validation of the owner address for the NFT, the presentation device can present the media file represented by the NFT.

IPC Classes  ?

• H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
• G06F 16/951 - IndexingWeb crawling techniques
• H04L 9/00 - Arrangements for secret or secure communicationsNetwork security protocols
• H04L 9/08 - Key distribution

Abstract

Disclosed herein are system, method, and computer program product embodiments for converting queries and scripts used in big data systems. A script conversion system converts a script and its queries from a first big data format to a second big data format. The script conversion system uses a configuration mapping that includes direct and/or indirect function mappings. For the direct mapping, the script conversion system replaces the function with a new function in the second big data format. For the indirect mapping, the script conversion system constructs an equivalent function in the second big data format using information extracted from parsing queries in the first big data format. The script conversion system also formats a converted query using a project mapping and/or generates a conversion report indicating successful or unsuccessful conversions. Scripts may be converted from an on-premises data warehouse system to a cloud-based data warehouse system.

IPC Classes  ?

• G06F 16/14 - Details of searching files based on file metadata
• G06F 16/11 - File system administration, e.g. details of archiving or snapshots
• G06F 16/13 - File access structures, e.g. distributed indices

Abstract

Disclosed are various embodiments for bundling multiple transactions together to split among one or more individuals. A selection of a plurality of transactions presented through a user interface is obtained. Then, a split request is obtained through the user interface, the split request representing a request to split a total cost for the plurality of transactions with one or more individuals. Next, a selection of the one or more individuals is obtained, the selection comprising a respective personal identifier for each of the one or more individuals. Subsequently, a split message is sent to a transaction processing service, the split message comprising a plurality of transaction identifiers representing the plurality of transactions and the respective personal identifier for each of the one or more individuals.

IPC Classes  ?

• G06Q 20/22 - Payment schemes or models
• G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
• G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices

Abstract

Disclosed are various embodiments for compliance detection using natural language processing. Various embodiments include a computing device that can transcribe a sound recording of a transcript, where the sound recording can be representative of a telephonic call occurring between an agent and a client. The computing device can determine that the telephonic call included a discussion related to a regulated subject based on an analysis by a natural language processor of the transcript. The computing device can obtain a compliance rule based at least in part on the regulated subject of the telephonic call. The computing device can determine that the compliance rule has been violated using a natural language processor of the transcript. The computing device can also store various information related to the compliance violation.

IPC Classes  ?

• G06F 40/35 - Discourse or dialogue representation
• G06F 40/279 - Recognition of textual entities
• G06Q 30/018 - Certifying business or products

Abstract

At least some embodiments are directed to an entity classification system that receives informational data associated with an entity. The informational data includes sentences associated with the entity. The entity classification system utilizes a first machine learning model to determine a first contextual meaning among words of a sentence associated with the entity based on a first word embedding technique, and determines at least one category associated with the entity based at least in part on the first contextual meaning. The entity classification system utilizes a second machine learning model to determine a second contextual meaning shared by a set of sentences based on a second embedding technique, and determines a subcategory of the category associated with the entity based at least in part on the second contextual meaning. The entity classification system generates an output including the category and subcategory associated with the entity.

IPC Classes  ?

• G06F 40/295 - Named entity recognition
• G06F 18/24 - Classification techniques
• G06N 3/045 - Combinations of networks

Abstract

A consumer may enroll in an event gamification system. An event listener may detect an event. The event gamification system may determine that the event qualifies for a game in which the consumer is enrolled. The event gamification system may transmit an achievement notification to the consumer as soon as the event occurs. The game may be displayed in a GUI on a consumer device. The consumer may be rewarded for completing the achievements in the game. Also, a server computer receiving a plurality of data sets that represent visually perceptible elements for a plurality of host web pages, wherein each of the plurality of host web pages displays an active link associated with a product on a merchant web page. The server automatically generating composite web page from: i) the particular data set associated with the particular host web page and the particular set of visually perceptible elements and ii) the related electronic content associated with the product from the merchant web page.

IPC Classes  ?

• G06Q 30/0207 - Discounts or incentives, e.g. coupons or rebates
• A63F 13/65 - Generating or modifying game content before or while executing the game program, e.g. authoring tools specially adapted for game development or game-integrated level editor automatically by game devices or servers from real world data, e.g. measurement in live racing competition
• A63F 13/69 - Generating or modifying game content before or while executing the game program, e.g. authoring tools specially adapted for game development or game-integrated level editor by enabling or updating specific game elements, e.g. unlocking hidden features, items, levels or versions
• A63F 13/71 - Game security or game management aspects using secure communication between game devices and game servers, e.g. by encrypting game data or authenticating players
• A63F 13/79 - Game security or game management aspects involving player-related data, e.g. identities, accounts, preferences or play histories
• G06Q 30/0226 - Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• G06Q 30/0601 - Electronic shopping [e-shopping]

Abstract

Disclosed are various embodiments for providing blockchain-based threat intelligence. First, a computer determines that a request for a remedial action has been recorded to a blockchain by a smart contract. Then, the computer evaluates the request for the remedial action to determine the remedial action to be performed. Subsequently, the computer causes the remedial action to be performed by a security service.

IPC Classes  ?

• G06F 21/55 - Detecting local intrusion or implementing counter-measures

Abstract

Disclosed are approaches for verifying user characteristics in a decentralized and anonymized fashion. A first request is received from a client device to verify a characteristic of a user associated with the client device, the request identifying an attribute service and the request comprising personally identifying information (PII) associated with the user. Then, a second request for one or more attributes of the user is sent to the attribute service, wherein the second request comprises at least a portion of the PII associated with the user of the client device. One or more attributes of the user from the attribute service and anonymized. The anonymized attributes and a prompt are then sent to a verifier service, wherein the prompt causes a large language model associated with the verifier service to verify the characteristic of the user based at least in part on the one or more anonymized attributes.

IPC Classes  ?

• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists

Abstract

Systems and methods are described relating to a payment instrument with configurable services, in which the user can adjust the available services. In one example, a system includes a computing device that is configured to display a user interface that is configured to modify a services configuration for a payment instrument. The services configuration indicates a plurality of benefit services that are applied to a respective transaction. A modification of the services configuration is received from the user interface. An updated user interface is displayed that includes a charge for the services configuration based at least in part on the modification of the services configuration. An acceptance of the charge is received from the updated user interface. The services configuration is updated by storing the services configuration in association with the user identifier at a database based at least in part on the acceptance of the charge.

IPC Classes  ?

• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
• G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
• G06Q 20/38 - Payment protocolsDetails thereof