Abrégé

Disclosed are various embodiments for a return management service that acts as an intermediary between a user (e.g., a consumer) and a merchant to intelligently recommend and initiate returns and/or refunds for the user. According to various examples, the return management service includes a large language model (LLM) that can learn from information associated with transactions, returns, and/or refunds and obtained from users, merchants, and/or issuers to proactively update, personalize for a user, provide return/refund recommendations, and carry out communications with merchants and/or issuers in line with a user's request. Users can register to participate with the return management service so that when a user wishes to return an item and/or request a refund for a purchased item or service, the user can receive a recommendation from the return management service for returning the items and/or receiving a refund.

Classes IPC  ?

• G06Q 10/0837 - Transactions de retour

Abrégé

Disclosed are various embodiments for the tokenized combination of accounts prior to a transaction. A first account identifier is obtained for a first transaction card. Then, a split transaction account creation request is sent to a split transaction service, the split transaction account creation request comprising the first account identifier representing the first transaction card and a second account identifier representing a second transaction card. A split transaction token is received from the split transaction service, the split transaction token representing a virtualized transaction card for use in a transaction. Subsequently, the split transaction token is provided to a point-of-sale (PoS) device to complete a transaction.

Classes IPC  ?

• G06Q 20/22 - Schémas ou modèles de paiement
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p. ex. cartes à puces ou cartes magnétiques

Abrégé

Disclosed are various embodiments for authentication with network connected computing resources using a cryptographic coprocessor installed on a client device. A request can be sent to the client device to provision an asymmetric encryption key-pair using a cryptographic coprocessor installed on the client device, wherein the request comprises a key-authorization credential for the asymmetric encryption key-pair and the asymmetric encryption key-pair comprises a public key and a private key. The public key of the asymmetric encryption key-pair and an identity public key for the cryptographic coprocessor can be received. The public key, key-authorization credential, and the identity public key can then be stored in association with each other.

Classes IPC  ?

• H04L 9/08 - Répartition de clés
• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

Abrégé

Disclosed are various embodiments for facilitating payments between members of separate payment networks. A first instance of a supernetwork can receive a payment request from a source network hub connected to the first supernetwork instance and linked to a first payment network, the first payment request specifying an identifier for a recipient institution and an amount of the payment request. The first instance of the supernetwork can then query a participant status cache to identify a destination network hub linked to a second payment network associated with the recipient institution. Next, the first instance of the supernetwork can query a participant registry to identify a second supernetwork instance connected to the destination network hub. Finally, the first instance of the supernetwork can forward the payment request to a second global transaction router hosted by a second supernetwork instance connected to the destination network hub.

Classes IPC  ?

• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile

Abrégé

Examples herein can receive a request to authorize a card payment from a point-of-sale device. The request is associated with an attempted card payment. The system further determines a user account associated with the payment request and identifies at least one passive authentication factor linked to the user account. The passive authentication factor is associated with at least one device associated with the user account. The system then determines whether the passive authentication factor is satisfied by analyzing the device. If the passive authentication factor is satisfied, the system transmits a transaction authorization indication to the point-of-sale device.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil

Abrégé

Disclosed are various embodiments for enhancing product acquisition. An acquisition order for the product is received, the acquisition order based at least in part on a first availability of the product. One or more user inputs for the product are received. Then, the acquisition order for the product is processed based at least in part on the one or more user inputs. Later, a second availability for the product is detected based at least in part on the plurality of platform data. Subsequently, the product is acquired based at least in part on the second availability.

Classes IPC  ?

• G06Q 30/0601 - Commerce électronique [e-commerce]

Abrégé

Examples herein can receive a request to authorize a card payment from a point-of-sale device. The request is associated with an attempted card payment. The system further determines a user account associated with the payment request and identifies at least one passive authentication factor linked to the user account. The passive authentication factor is associated with at least one device associated with the user account. The system then determines whether the passive authentication factor is satisfied by analyzing the device. If the passive authentication factor is satisfied, the system transmits a transaction authorization indication to the point-of-sale device.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p. ex. cartes à puces ou cartes magnétiques
• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• H04W 4/80 - Services utilisant la communication de courte portée, p. ex. la communication en champ proche, l'identification par radiofréquence ou la communication à faible consommation d’énergie

Abrégé

Disclosed are various approaches for multimodal large language model (LLM) based threat modeling. The multimodal LLM based threat modeling can include a system or method that can input, into a threat modeling multimodal LLM, prompting data that includes audio data, image data, and LLM instructions to generate application security data. The threat modeling multimodal LLM can generate and provide application security data that includes at least one of: threat data, weakness data, security control data, a security risk summarization, an application threat model, or any combination thereof.

Classes IPC  ?

• G06F 21/57 - Certification ou préservation de plates-formes informatiques fiables, p. ex. démarrages ou arrêts sécurisés, suivis de version, contrôles de logiciel système, mises à jour sécurisées ou évaluation de vulnérabilité

Abrégé

Disclosed herein are system, method, and computer program product embodiments for asynchronous loan data structure origination. An account management system may receive from a point of sale system, transaction data and a request for authorizing a transaction. In response to receiving the transaction data, the account management system may determine that a difference between a transaction value and an account balance is less than a line of credit parameter. In response to the determining, the account management system may transmit, to the point of sale system, an authorization message indicating that the transaction is authorized. The account management system may also automatically trigger an asynchronous loan origination process to create a loan data structure for a loan balance corresponding to the difference. The asynchronous loan origination process occurs independently from transmitting the authorization message to the point of sale system.

Classes IPC  ?

• G06Q 40/03 - CréditsPrêtsLeur traitement
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

Disclosed are various systems and methods for using distributed ledgers to assist in securely developing applications. One such method comprises requesting a validation service to determine if an application component is permitted to be deployed within a software application, wherein a use indicator is provided with the request to the validation service and indicates how the application component is being used within the software application; receiving a response from the validation service confirming that an endorsed application component record exists for the application component in a distributed ledger, wherein the response indicates that a degree or type of security risk that usage of the application component can introduce to the software application complies with a security policy for inclusion of application components in the software application; and responsive to receiving the response from the validation service, deploying the application component in the software application.

Classes IPC  ?

• G06F 21/57 - Certification ou préservation de plates-formes informatiques fiables, p. ex. démarrages ou arrêts sécurisés, suivis de version, contrôles de logiciel système, mises à jour sécurisées ou évaluation de vulnérabilité
• G06F 8/77 - Métriques logicielles
• G06F 16/27 - Réplication, distribution ou synchronisation de données entre bases de données ou dans un système de bases de données distribuéesArchitectures de systèmes de bases de données distribuées à cet effet
• H04L 9/08 - Répartition de clés

Abrégé

Disclosed are various embodiments for generating and verifying stateful hash-based signatures. A message hash of a message is generated using a cryptographic hash function. Then, the message hash is split into a predefined number of parts of equal size. Next, a value of a signature debt is calculated for each of the predefined number of parts of the message hash. Subsequently, a respective signature part is calculated for each of the predefined number of parts of the message hash by applying the cryptographic hash function to a respective portion of a private key for a number of times equal to the value of the signature debt. Next, the respective signature parts are concatenated to generate a signature for the message.

Classes IPC  ?

• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
• H04L 9/30 - Clé publique, c.-à-d. l'algorithme de chiffrement étant impossible à inverser par ordinateur et les clés de chiffrement des utilisateurs n'exigeant pas le secret

Abrégé

Various embodiments for remotely sharing a payment instrument of a first user to a client device of a second user are provided. In some embodiments, a system is configured to receive display an authentication user interface for the second user based at least in part on a selection of an authentication hyperlink. The authentication user interface can be associated with accessing a virtual payment instrument that is linked to a transaction account of the first user. The system can be configured to transmit a user credential for the second user using the authentication user interface. The virtual payment instrument can be received based at least in part on an authentication of the user credential for the second user. A wallet user interface can be displayed that includes the virtual payment instrument based at least in part on a receipt of the virtual payment instrument.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/22 - Schémas ou modèles de paiement
• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques

Abrégé

Disclosed are various embodiments for surfacing local merchants with enhanced rewards opportunities to customers. First, a computing device can determine that a merchant satisfies a qualification criterion and add the merchant to a list of qualified merchants. Then, the computing device can send a message to a client application executing on a client device associated with a transaction account, the notification indicating that the merchant is a qualified merchant. Then, the computing device receives a first message from the client device indicating that a user of the client device is travelling from a first location to the merchant. Later, the computing device receives a second message from the client device indicating that the user of the client device has arrived at the merchant. A distance traveled by the client device is calculated and award value is calculated based on the distance traveled.

Classes IPC  ?

• G06Q 30/0282 - Notation ou évaluation d’opérateurs commerciaux ou de produits
• G06Q 30/0226 - Systèmes d’incitation à un usage fréquent, p. ex. programmes de miles pour voyageurs fréquents ou systèmes de points
• G06Q 30/0251 - Publicités ciblées

Abrégé

Disclosed are examples of transaction cards incorporating aluminum or aluminum alloys. The aluminum can be extracted or recycled from a retired aircraft. Other materials can also be incorporated into the transaction card to provide sufficient weight and rigidity to the transaction card. Polyvinyl chloride can be incorporated into the construction of the card in combination with aluminum to provide a desired user experience.

Classes IPC  ?

• G06K 19/077 - Détails de structure, p. ex. montage de circuits dans le support
• B32B 15/20 - Produits stratifiés composés essentiellement de métal comportant de l'aluminium ou du cuivre
• B32B 27/30 - Produits stratifiés composés essentiellement de résine synthétique comprenant une résine vinyliqueProduits stratifiés composés essentiellement de résine synthétique comprenant une résine acrylique
• B32B 43/00 - Opérations spécialement adaptées aux produits stratifiés et non prévues ailleurs, p. ex. réparationAppareils pour ces opérations
• G06K 19/07 - Supports d'enregistrement avec des marques conductrices, des circuits imprimés ou des éléments de circuit à semi-conducteurs, p. ex. cartes d'identité ou cartes de crédit avec des puces à circuit intégré

Abrégé

The present disclosure describes a system that is capable of tracking user activities of the user across one or more distribution channels; selecting one or more item providers based at least in part on the geo-location of the client device associated with the user; and determining an inventory of items offered by the selected one or more item providers. The system may also be capable of selecting an item for providing to the user based at least in part on at least the tracked user activities of the user and the geo-location of the client device associated with the user; and providing the item to the user.

Classes IPC  ?

• G06Q 30/0601 - Commerce électronique [e-commerce]
• G06Q 10/1093 - Ordonnancement basé sur un agenda pour des personnes ou des groupes
• G06Q 30/0251 - Publicités ciblées

Abrégé

Disclosed are various approaches for quantum computing enhanced language model (LLM) security protections. In some examples, an LLM communication such as an LLM prompt, or an LLM response can be received. A computing environment type decision between a digital computing environment or a quantum computing environment can be generated based at least in part on the LLM communication processing latency value and a threshold latency value. A selected one of the classical digital computing environment and the quantum computing environment can be used for an LLM security analysis based at least in part on the computing environment type decision.

Classes IPC  ?

• G06F 21/50 - Contrôle des utilisateurs, des programmes ou des dispositifs de préservation de l’intégrité des plates-formes, p. ex. des processeurs, des micrologiciels ou des systèmes d’exploitation

Abrégé

Disclosed are various approaches for providing incentive programs for certain kinds of activities conducted in a client account. A selection of a first record from a plurality of records presented through a user interface is received. Then a message is sent to a program service, the message comprising record data associated with the first record. Next, a program-qualified category of the plurality of records and a program-unqualified category of the plurality of records is obtained from the program service. Subsequently, the plurality of records in the user interface is automatically arranged based at least in part on the program-qualified category and the program-unqualified category.

Classes IPC  ?

• G06Q 30/0207 - Remises ou incitations, p. ex. coupons ou rabais

Abrégé

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 client 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.

Classes IPC  ?

• G06Q 30/0226 - Systèmes d’incitation à un usage fréquent, p. ex. programmes de miles pour voyageurs fréquents ou systèmes de points
• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile

Abrégé

At least some embodiments are directed to a system that receives a profile values associated from new user profiles of a computer network or system. A machine learning system determines a set of existing profiles that share at least one common profile value with the new user profile. A second machine learning model determines a set of existing user entitlements associated with the set of existing profiles. The new user profile is processed by a natural language processing engine to determine a set of new user entitlements from the set of existing user entitlements. The system provides the new user with access to electronic resources of the computer network. The system tracks the new user computer network or system activities and updates the new user profile based on the set of new user entitlements and the new user activity on the computer network or system.

Classes IPC  ?

• H04L 67/306 - Profils des utilisateurs
• G06F 40/20 - Analyse du langage naturel
• G06N 5/01 - Techniques de recherche dynamiqueHeuristiquesArbres dynamiquesSéparation et évaluation
• G06N 5/04 - Modèles d’inférence ou de raisonnement
• G06N 7/01 - Modèles graphiques probabilistes, p. ex. réseaux probabilistes
• G06N 20/00 - Apprentissage automatique
• G06N 20/20 - Techniques d’ensemble en apprentissage automatique
• H04L 9/40 - Protocoles réseaux de sécurité

Abrégé

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.

Classes IPC  ?

• H04L 9/08 - Répartition de clés
• H04L 9/14 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité utilisant plusieurs clés ou algorithmes
• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
• H04L 9/40 - Protocoles réseaux de sécurité

Abrégé

Systems and methods for peer-to-peer secure document exchange are disclosed. The system may allow a document provider to securely transmit a certified document to a document verifier using decentralized storage. The verifier system may generate a session key pair and transmit a session public key to a trusted API provider. The trusted API provider may generate a session nonce. The verifier system may transmit the session nonce to the provider system. The provider system may use the session nonce to retrieve the session public key. The provider system may encrypt a certified document using the session public key and store the encrypted certified document in the decentralized storage. The verifier system may retrieve the encrypted certified document by polling the trusted API provider based on the session nonce. The verifier system may decrypt the encrypted certified document using the session private key.

Classes IPC  ?

• G06F 21/60 - Protection de données
• G06F 9/54 - Communication interprogramme
• H04L 9/30 - Clé publique, c.-à-d. l'algorithme de chiffrement étant impossible à inverser par ordinateur et les clés de chiffrement des utilisateurs n'exigeant pas le secret
• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

Abrégé

Disclosed are various embodiments for authentication with network connected computing resources using a cryptographic coprocessor installed on a client device. A request can be sent to the client device to provision an asymmetric encryption key-pair using a cryptographic coprocessor installed on the client device, wherein the request comprises a key-authorization credential for the asymmetric encryption key-pair and the asymmetric encryption key-pair comprises a public key and a private key. The public key of the asymmetric encryption key-pair and an identity public key for the cryptographic coprocessor can be received. The public key, key-authorization credential, and the identity public key can then be stored in association with each other.

Classes IPC  ?

• H04L 9/08 - Répartition de clés
• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

Abrégé

Disclosed are various embodiments for relationship verification using digital identities. A computing device can receive a request to link a first user profile with a second user profile, the request including at least a first user decentralized identifier (first user DID) associated with the first user profile and a second user decentralized identifier (second user DID) associated with the second user profile. Next, the computing device can obtain a verifiable credential (VC) claiming a relationship between the first user DID and the second user DID and verify the relationship between the first user DID and the second user DID based at least in part on the VC. Then, the computing device can link the first user profile and the second user profile.

Classes IPC  ?

• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

Disclosed are various embodiments for a distributed ledger enabled large language model security protocol. A large language model (LLM) can filter data generated by a distributed agent for a trace of a transaction with a third-party LLM. A trained LLM can analyze any found trace of a transaction and identify at least an anomaly related to the found trace. The trained LLM can block the transaction based on the anomaly.

Classes IPC  ?

• G06F 40/20 - Analyse du langage naturel

Abrégé

Disclosed are various embodiments for creating a proxy transaction account for a group of members (e.g., consumers) to use when sharing occasion-based expenses (e.g., trip expense, party expenses, etc.). In various examples, a proxy transaction account for a group of members can be created and a payment instrument (e.g., a physical or virtual payment card) associated with the proxy transaction account can be presented to a merchant to pay for the goods or services associated with a transaction. According to various examples, the transaction amount for the transaction can be split and the respective split amount can be applied to each member payment account of the group of members or the transaction amount can be applied to one or more selected member payment account(s) of the group of members in order to maximize reward offers associated with the transaction.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/22 - Schémas ou modèles de paiement

Abrégé

Disclosed are various embodiments for a hierarchically decisioned failover system. First, a health probe can calculate a respective instance health score for each of a plurality of application instances within an application service. Then, the health probe can calculate a service health score for the application service. Next, the health probe can calculate a zone health score for an application ecosystem. Subsequently, the health probe can initiate a failover of the application ecosystem from a first availability zone to a second availability zone based at least in part on the zone health score.

Classes IPC  ?

• G06F 11/20 - Détection ou correction d'erreur dans une donnée par redondance dans le matériel en utilisant un masquage actif du défaut, p. ex. en déconnectant les éléments défaillants ou en insérant des éléments de rechange

Abrégé

Disclosed are various embodiments for accelerating the execution of machine learning model-based application on various computing hardware infrastructure. In non-limiting example, a system comprises a computing device that is configured to initiate a run-time execution of an application that includes a machine learning model. The computing device is further configured to determine a plurality of eligible application templates and select an application template among the plurality of eligible applications templates. The application can be executed in a run-time environment specified by the application template.

Classes IPC  ?

• G06F 9/48 - Lancement de programmes Commutation de programmes, p. ex. par interruption

Abrégé

Disclosed are various examples for utilizing a predictive model to generate alternative offers for customers viewing an initial account offer. Various user parameters can be collected from internal and external data sources. An analysis of the user parameters as well as user activity can be conducted. A predictive model can generate an alternative or personalized offer based at least in part upon the analysis.

Classes IPC  ?

• G06Q 30/02 - MarketingEstimation ou détermination des prixCollecte de fonds
• G06Q 30/0207 - Remises ou incitations, p. ex. coupons ou rabais
• G06Q 30/0251 - Publicités ciblées
• G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte

Abrégé

Disclosed herein are system, method, and computer program product embodiments for generating an expected data metric. A set of features is provided to a machine learning model. The machine learning module includes a linear neural network and a variational auto-encoder. The linear neural network uses the set of features to generate a first vector. The variational auto-encoder generates a second vector using the set of features. The expected data metric is determined based on an output vector. The output vector is obtained using the first vector and the second vector.

Classes IPC  ?

• G06N 3/0455 - Réseaux auto-encodeursRéseaux encodeurs-décodeurs
• G06N 3/084 - Rétropropagation, p. ex. suivant l’algorithme du gradient

Abrégé

Disclosed herein are apparatus, system, method, and computer-readable medium aspects for identifying and preventing digital skimming attacks using a machine learning model. A threat management system may crawl one or more external sources in order to obtain training data for one or more machine learning models. A plurality of different models may be used to conduct different analyses with respect to an application under test. For example, a first model may identify malicious code. A second model may detect the presence of threat protection code which may protect against skimming attacks. Depending on whether an application under test is free from malicious code and/or includes threat protection code, a threat management system may determine whether close may be promoted to a production or live environment. The threat management system may also use a third model to generate security protocol code for a developer based on learned best practices.

Classes IPC  ?

• G06F 21/55 - Détection d’intrusion locale ou mise en œuvre de contre-mesures
• G06N 20/20 - Techniques d’ensemble en apprentissage automatique

Abrégé

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.

Classes IPC  ?

• G06V 30/148 - Découpage de zones de caractères
• G06V 10/82 - Dispositions pour la reconnaissance ou la compréhension d’images ou de vidéos utilisant la reconnaissance de formes ou l’apprentissage automatique utilisant les réseaux neuronaux
• G06V 30/146 - Alignement ou centrage du capteur d’image ou du champ d’image
• G06V 30/40 - Reconnaissance des formes à partir d’images axée sur les documents

Abrégé

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.

Classes IPC  ?

• G06F 16/9538 - Présentation des résultats des requêtes
• G06F 16/906 - GroupementClassement

Abrégé

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.

Classes IPC  ?

• G06F 21/62 - Protection de l’accès à des données via une plate-forme, p. ex. par clés ou règles de contrôle de l’accès
• G06F 21/10 - Protection de programmes ou contenus distribués, p. ex. vente ou concession de licence de matériel soumis à droit de reproduction

Abrégé

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.

Classes IPC  ?

• H04L 67/1097 - Protocoles dans lesquels une application est distribuée parmi les nœuds du réseau pour le stockage distribué de données dans des réseaux, p. ex. dispositions de transport pour le système de fichiers réseau [NFS], réseaux de stockage [SAN] ou stockage en réseau [NAS]
• H04L 67/51 - Découverte ou gestion de ceux-ci, p. ex. protocole de localisation de service [SLP] ou services du Web

Abrégé

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.

Classes IPC  ?

• G06F 9/48 - Lancement de programmes Commutation de programmes, p. ex. par interruption
• G06F 9/38 - Exécution simultanée d'instructions, p. ex. pipeline ou lecture en mémoire

Abrégé

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.

Classes IPC  ?

• G06Q 40/12 - Comptabilité

Abrégé

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.

Classes IPC  ?

• G06F 21/62 - Protection de l’accès à des données via une plate-forme, p. ex. par clés ou règles de contrôle de l’accès
• G06N 3/094 - Apprentissage antagoniste

Abrégé

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.

Classes IPC  ?

• G06F 21/57 - Certification ou préservation de plates-formes informatiques fiables, p. ex. démarrages ou arrêts sécurisés, suivis de version, contrôles de logiciel système, mises à jour sécurisées ou évaluation de vulnérabilité

Abrégé

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.

Classes IPC  ?

• G06F 18/2415 - Techniques de classification relatives au modèle de classification, p. ex. approches paramétriques ou non paramétriques basées sur des modèles paramétriques ou probabilistes, p. ex. basées sur un rapport de vraisemblance ou un taux de faux positifs par rapport à un taux de faux négatifs
• G06F 40/35 - Représentation du discours ou du dialogue
• G06N 7/01 - Modèles graphiques probabilistes, p. ex. réseaux probabilistes

Abrégé

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.

Classes IPC  ?

• G06F 16/23 - Mise à jour
• G06F 16/9535 - Adaptation de la recherche basée sur les profils des utilisateurs et la personnalisation
• G06F 16/9537 - Recherche à dépendance spatiale ou temporelle, p. ex. requêtes spatio-temporelles
• G06F 21/62 - Protection de l’accès à des données via une plate-forme, p. ex. par clés ou règles de contrôle de l’accès

Abrégé

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.

Classes IPC  ?

• G06F 16/906 - GroupementClassement

Abrégé

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.

Classes IPC  ?

• G06Q 30/0207 - Remises ou incitations, p. ex. coupons ou rabais
• G10L 15/22 - Procédures utilisées pendant le processus de reconnaissance de la parole, p. ex. dialogue homme-machine
• G10L 15/30 - Reconnaissance distribuée, p. ex. dans les systèmes client-serveur, pour les applications en téléphonie mobile ou réseaux

Abrégé

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.

Classes IPC  ?

• G06F 21/62 - Protection de l’accès à des données via une plate-forme, p. ex. par clés ou règles de contrôle de l’accès
• G06F 21/31 - Authentification de l’utilisateur
• G06Q 30/0201 - Modélisation du marchéAnalyse du marchéCollecte de données du marché

Abrégé

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.

Classes IPC  ?

• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p. ex. cartes à puces ou cartes magnétiques
• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
• H04L 9/00 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité
• H04L 9/06 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité l'appareil de chiffrement utilisant des registres à décalage ou des mémoires pour le codage par blocs, p. ex. système DES
• H04L 9/30 - Clé publique, c.-à-d. l'algorithme de chiffrement étant impossible à inverser par ordinateur et les clés de chiffrement des utilisateurs n'exigeant pas le secret
• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

Abrégé

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.

Classes IPC  ?

• H04L 47/193 - Commande de fluxCommande de la congestion au niveau des couches au-dessus de la couche réseau au niveau de la couche de transport, p. ex. liée à TCP

Abrégé

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.

Classes IPC  ?

• G06F 40/30 - Analyse sémantique
• G06F 16/35 - PartitionnementClassement
• G06F 40/232 - Correction orthographique, p. ex. vérificateurs d’orthographe ou insertion des voyelles
• G06F 40/289 - Analyse syntagmatique, p. ex. techniques d’états finis ou regroupement

Abrégé

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.

Classes IPC  ?

• G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
• H04L 67/02 - Protocoles basés sur la technologie du Web, p. ex. protocole de transfert hypertexte [HTTP]

Abrégé

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.

Classes IPC  ?

• G06Q 50/14 - Agences de voyage
• G06Q 10/02 - Réservations, p. ex. pour billetterie, services ou manifestations

Abrégé

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.

Classes IPC  ?

• G06N 5/043 - Systèmes experts distribuésTableaux noirs
• G06F 40/216 - Analyse syntaxique utilisant des méthodes statistiques
• G06F 40/40 - Traitement ou traduction du langage naturel

Abrégé

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.

Classes IPC  ?

• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p. ex. cartes à puces ou cartes magnétiques
• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
• G06Q 20/42 - Confirmation, p. ex. contrôle ou autorisation de paiement par le débiteur légal

Abrégé

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.

Classes IPC  ?

• G06F 40/40 - Traitement ou traduction du langage naturel

Abrégé

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.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
• G06F 21/32 - Authentification de l’utilisateur par données biométriques, p. ex. empreintes digitales, balayages de l’iris ou empreintes vocales
• G06K 19/07 - Supports d'enregistrement avec des marques conductrices, des circuits imprimés ou des éléments de circuit à semi-conducteurs, p. ex. cartes d'identité ou cartes de crédit avec des puces à circuit intégré
• G06K 19/077 - Détails de structure, p. ex. montage de circuits dans le support
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p. ex. cartes à puces ou cartes magnétiques
• G07F 7/08 - Mécanismes actionnés par des objets autres que des pièces de monnaie pour déclencher ou actionner des appareils de vente, de location, de distribution de pièces de monnaie ou de papier-monnaie, ou de remboursement par carte d'identité codée ou carte de crédit codée
• H04W 12/06 - Authentification

Abrégé

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.

Classes IPC  ?

• G06Q 40/06 - Gestion de biensPlanification ou analyse financières
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• H04L 67/306 - Profils des utilisateurs

Abrégé

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.

Classes IPC  ?

• G06F 8/75 - Analyse structurelle pour la compréhension des programmes
• G06F 21/60 - Protection de données

Abrégé

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.

Classes IPC  ?

• G06Q 40/06 - Gestion de biensPlanification ou analyse financières

Abrégé

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.

Classes IPC  ?

• G06F 16/25 - Systèmes d’intégration ou d’interfaçage impliquant les systèmes de gestion de bases de données

Abrégé

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.

Classes IPC  ?

• G06F 16/2457 - Traitement des requêtes avec adaptation aux besoins de l’utilisateur
• G06F 16/242 - Formulation des requêtes

Abrégé

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.

Classes IPC  ?

• H04L 9/40 - Protocoles réseaux de sécurité
• H04L 9/00 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité

Abrégé

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.

Classes IPC  ?

• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails

Abrégé

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.

Classes IPC  ?

• G06F 21/53 - Contrôle des utilisateurs, des programmes ou des dispositifs de préservation de l’intégrité des plates-formes, p. ex. des processeurs, des micrologiciels ou des systèmes d’exploitation au stade de l’exécution du programme, p. ex. intégrité de la pile, débordement de tampon ou prévention d'effacement involontaire de données par exécution dans un environnement restreint, p. ex. "boîte à sable" ou machine virtuelle sécurisée
• G06F 40/20 - Analyse du langage naturel

Abrégé

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.

Classes IPC  ?

• G06F 11/36 - Prévention d'erreurs par analyse, par débogage ou par test de logiciel
• G06F 3/14 - Sortie numérique vers un dispositif de visualisation
• G06F 11/3668 - Test de logiciel
• H04L 51/046 - Interopérabilité avec d'autres applications ou services réseau
• H04L 51/42 - Aspects liés aux boîtes aux lettres, p. ex. synchronisation des boîtes aux lettres

Abrégé

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.

Classes IPC  ?

• H04L 9/08 - Répartition de clés
• H04L 9/14 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité utilisant plusieurs clés ou algorithmes
• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
• H04L 9/40 - Protocoles réseaux de sécurité

Abrégé

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.

Classes IPC  ?

• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente

Abrégé

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.

Classes IPC  ?

• G06F 9/54 - Communication interprogramme
• G06F 9/451 - Dispositions d’exécution pour interfaces utilisateur

Abrégé

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.

Classes IPC  ?

• G06N 20/00 - Apprentissage automatique
• H04L 67/50 - Services réseau

Abrégé

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.

Classes IPC  ?

• G06K 19/077 - Détails de structure, p. ex. montage de circuits dans le support

Abrégé

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.

Classes IPC  ?

• G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte

Abrégé

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.

Classes IPC  ?

• G06F 9/38 - Exécution simultanée d'instructions, p. ex. pipeline ou lecture en mémoire

Abrégé

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.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• G06Q 30/0251 - Publicités ciblées

Abrégé

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.

Classes IPC  ?

• G06F 21/62 - Protection de l’accès à des données via une plate-forme, p. ex. par clés ou règles de contrôle de l’accès
• G06F 16/11 - Administration des systèmes de fichiers, p. ex. détails de l’archivage ou d’instantanés

Abrégé

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.

Classes IPC  ?

• G06Q 30/0226 - Systèmes d’incitation à un usage fréquent, p. ex. programmes de miles pour voyageurs fréquents ou systèmes de points
• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile

Abrégé

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.

Classes IPC  ?

• G06F 16/215 - Amélioration de la qualité des donnéesNettoyage des données, p. ex. déduplication, suppression des entrées non valides ou correction des erreurs typographiques
• G06N 3/04 - Architecture, p. ex. topologie d'interconnexion
• G06N 3/08 - Méthodes d'apprentissage
• G06N 5/01 - Techniques de recherche dynamiqueHeuristiquesArbres dynamiquesSéparation et évaluation
• G06N 5/04 - Modèles d’inférence ou de raisonnement
• G06N 20/20 - Techniques d’ensemble en apprentissage automatique

Abrégé

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.

Classes IPC  ?

• G06F 40/20 - Analyse du langage naturel

Abrégé

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.

Classes IPC  ?

• G06F 8/35 - Création ou génération de code source fondée sur un modèle
• G06F 8/60 - Déploiement de logiciel

Abrégé

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.

Classes IPC  ?

• G06F 40/20 - Analyse du langage naturel
• G06F 21/60 - Protection de données

Abrégé

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.

Classes IPC  ?

• G06F 16/9538 - Présentation des résultats des requêtes
• G06F 16/906 - GroupementClassement

Abrégé

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.

Classes IPC  ?

• G06F 40/35 - Représentation du discours ou du dialogue
• G06Q 30/015 - Fourniture d’une assistance aux clients, p. ex. pour assister un client dans un lieu commercial ou par un service d’assistance

Abrégé

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.

Classes IPC  ?

• G06F 11/00 - Détection d'erreursCorrection d'erreursContrôle de fonctionnement
• G06F 11/30 - Surveillance du fonctionnement
• G06F 11/34 - Enregistrement ou évaluation statistique de l'activité du calculateur, p. ex. des interruptions ou des opérations d'entrée–sortie

Abrégé

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.

Classes IPC  ?

• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
• H04L 9/40 - Protocoles réseaux de sécurité

Abrégé

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.

Classes IPC  ?

• G06Q 30/0207 - Remises ou incitations, p. ex. coupons ou rabais
• G10L 15/22 - Procédures utilisées pendant le processus de reconnaissance de la parole, p. ex. dialogue homme-machine
• G10L 15/30 - Reconnaissance distribuée, p. ex. dans les systèmes client-serveur, pour les applications en téléphonie mobile ou réseaux

Abrégé

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.

Classes IPC  ?

• H04W 4/021 - Services concernant des domaines particuliers, p. ex. services de points d’intérêt, services sur place ou géorepères
• H04W 4/80 - Services utilisant la communication de courte portée, p. ex. la communication en champ proche, l'identification par radiofréquence ou la communication à faible consommation d’énergie

Abrégé

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.

Classes IPC  ?

• G06N 20/00 - Apprentissage automatique

Abrégé

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.

Classes IPC  ?

• G06F 21/55 - Détection d’intrusion locale ou mise en œuvre de contre-mesures
• G06Q 10/0875 - Énumération ou classification des pièces, des fournitures ou des services, p. ex. nomenclatures

Abrégé

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.

Classes IPC  ?

• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
• H04L 51/02 - Messagerie d'utilisateur à utilisateur dans des réseaux à commutation de paquets, transmise selon des protocoles de stockage et de retransmission ou en temps réel, p. ex. courriel en utilisant des réactions automatiques ou la délégation par l’utilisateur, p. ex. des réponses automatiques ou des messages générés par un agent conversationnel

Abrégé

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.

Classes IPC  ?

• G06V 30/148 - Découpage de zones de caractères
• G06V 10/82 - Dispositions pour la reconnaissance ou la compréhension d’images ou de vidéos utilisant la reconnaissance de formes ou l’apprentissage automatique utilisant les réseaux neuronaux
• G06V 30/146 - Alignement ou centrage du capteur d’image ou du champ d’image
• G06V 30/40 - Reconnaissance des formes à partir d’images axée sur les documents

Abrégé

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.

Classes IPC  ?

• G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
• G06Q 20/04 - Circuits de paiement
• G06Q 20/08 - Architectures de paiement
• G06Q 30/04 - Facturation

Abrégé

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.

Classes IPC  ?

• G06F 16/21 - Conception, administration ou maintenance des bases de données
• G06F 16/22 - IndexationStructures de données à cet effetStructures de stockage

Abrégé

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.

Classes IPC  ?

• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

Abrégé

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.

Classes IPC  ?

• G06N 20/00 - Apprentissage automatique

Abrégé

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.

Classes IPC  ?

• H04L 9/40 - Protocoles réseaux de sécurité

Abrégé

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.

Classes IPC  ?

• H04L 47/193 - Commande de fluxCommande de la congestion au niveau des couches au-dessus de la couche réseau au niveau de la couche de transport, p. ex. liée à TCP

Abrégé

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.

Classes IPC  ?

• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
• H04L 9/00 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité

Abrégé

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.

Classes IPC  ?

• H04L 9/40 - Protocoles réseaux de sécurité
• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

Abrégé

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.

Classes IPC  ?

• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• G06Q 20/22 - Schémas ou modèles de paiement

Abrégé

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.

Classes IPC  ?

• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
• H04L 9/30 - Clé publique, c.-à-d. l'algorithme de chiffrement étant impossible à inverser par ordinateur et les clés de chiffrement des utilisateurs n'exigeant pas le secret

Abrégé

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.

Classes IPC  ?

• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
• H04L 9/08 - Répartition de clés

Abrégé

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.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• G06Q 30/018 - Certification d’entreprises ou de produits
• G06Q 30/0204 - Segmentation du marché
• H04L 9/00 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité
• H04L 9/08 - Répartition de clés

Abrégé

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.

Classes IPC  ?

• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails

Abrégé

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.

Classes IPC  ?

• G06Q 30/02 - MarketingEstimation ou détermination des prixCollecte de fonds
• G06F 16/23 - Mise à jour
• G06Q 30/0201 - Modélisation du marchéAnalyse du marchéCollecte de données du marché