Split integrator model methods and systems for conducting a consumer purchase transaction. In an embodiment, a payment system receives a checkout request message comprising checkout request data from a mobile device application running on a consumer mobile device of a consumer, identifies a payload recipient based on the checkout request data, and then transmits a transaction payload to the payload recipient that includes at least a merchant identifier, payment card account details and a purchase transaction amount. The process also includes the payment system receiving a transaction authorization request from the payload recipient, and then transmitting the transaction authorization request for purchase transaction authorization processing to an issuer financial institution (FI) computer.

Split integrator model methods and systems for conducting a consumer purchase transaction. In an embodiment, a payment system receives a checkout request message comprising checkout request data from a mobile device application running on a consumer mobile device of a consumer, identifies a payload recipient based on the checkout request data, and then transmits a transaction payload to the payload recipient that includes at least a merchant identifier, payment card account details and a purchase transaction amount. The process also includes the payment system receiving a transaction authorization request from the payload recipient, and then transmitting the transaction authorization request for purchase transaction authorization processing to an issuer financial institution (FI) computer.

A method performed by at least one computing device. The method includes receiving a credit request from a self-checkout device before a customer completes an instore checkout process and sending a request for a Uniform Resource Locator (“URL”) to one or more authentication computing devices. The authentication computing device(s) send the URL to the mobile device. The method includes sending a credit application to the mobile device after the customer selects the URL, receiving a submission of the credit application from the mobile device, approving credit based on the submission, and forwarding a code to the mobile device. The code indicates that the credit is to be used to complete the instore checkout process when scanned by the scanner.

A method performed by at least one computing device. The method includes receiving a credit request from a self-checkout device before a customer completes an instore checkout process and sending a request for a Uniform Resource Locator (“URL”) to one or more authentication computing devices. The authentication computing device(s) send the URL to the mobile device. The method includes sending a credit application to the mobile device after the customer selects the URL, receiving a submission of the credit application from the mobile device, approving credit based on the submission, and forwarding a code to the mobile device. The code indicates that the credit is to be used to complete the instore checkout process when scanned by the scanner.

Data streaming applications may need to provide high reliability, particularly depending on the nature of the data being streamed. A framework is described that allows a data streaming application to ensure high reliability both during update operations and during ordinary operations. A unique event ID count can be recorded that reflects messages being sent from a source to the streaming application. After an update and service restart, the count can again be collected to see if data is flowing through the streaming application as expected. Unique database record counts can be reviewed (e.g. after a restart or during ordinary operations) to ensure that no records are being unexpectedly dropped. Data content sampling can also be performed to see that any data transformations are functioning properly. Corrective actions (after a restart or during ordinary operations) can also be taken, including replay of database messages that are dropped, or sending an alert.

Data streaming applications may need to provide high reliability, particularly depending on the nature of the data being streamed. A framework is described that allows a data streaming application to ensure high reliability both during update operations and during ordinary operations. A unique event ID count can be recorded that reflects messages being sent from a source to the streaming application. After an update and service restart, the count can again be collected to see if data is flowing through the streaming application as expected. Unique database record counts can be reviewed (e.g. after a restart or during ordinary operations) to ensure that no records are being unexpectedly dropped. Data content sampling can also be performed to see that any data transformations are functioning properly. Corrective actions (after a restart or during ordinary operations) can also be taken, including replay of database messages that are dropped, or sending an alert.

The method, system, and non-transitory computer-readable medium embodiments described herein are directed to alerting a user of a physical pickup point. In various embodiments, a server receives a request to be completed by one or more Automated Teller Machines (ATMs) located at a first location. The server may be in communication with the ATMs at the first location and a sensor device at the first location. The server receives an alert generated by the sensor device at the first location that the user device is proximate the first location. Next, the server identifies one or more ATMs in a state to complete the request based on a parameter associated with the request. Next, the server transmits an identifier of the at least one ATM of the one or more ATMs that will be used to complete the request to the user device and instructs the at least one ATM to complete the request.

The method, system, and non-transitory computer-readable medium embodiments described herein are directed to alerting a user of a physical pickup point. In various embodiments, a server receives a request to be completed by one or more Automated Teller Machines (ATMs) located at a first location. The server may be in communication with the ATMs at the first location and a sensor device at the first location. The server receives an alert generated by the sensor device at the first location that the user device is proximate the first location. Next, the server identifies one or more ATMs in a state to complete the request based on a parameter associated with the request. Next, the server transmits an identifier of the at least one ATM of the one or more ATMs that will be used to complete the request to the user device and instructs the at least one ATM to complete the request.

Systems, computer program products, and methods are described herein for dynamic communication channel modelling using machine learning algorithms. The present invention is configured to detect a natural language input from a third party to a user; parse, using the communication channel modelling algorithm, the natural language input; determine an expression pattern associated with the natural language input; extract, from the expression pattern, information associated with the third party and information associated with the resource transfer; determine one or more alternate communication channels for the user to initiate the resource transfer to the third party; display the one or more alternate communication channels to the user; receive, via the user input device, a user selection of an alternate communication channels; and execute the resource transfer to the third party via the alternate communication channel selected by the user.

Systems, computer program products, and methods are described herein for dynamic communication channel modelling using machine learning algorithms. The present invention is configured to detect a natural language input from a third party to a user; parse, using the communication channel modelling algorithm, the natural language input; determine an expression pattern associated with the natural language input; extract, from the expression pattern, information associated with the third party and information associated with the resource transfer; determine one or more alternate communication channels for the user to initiate the resource transfer to the third party; display the one or more alternate communication channels to the user; receive, via the user input device, a user selection of an alternate communication channels; and execute the resource transfer to the third party via the alternate communication channel selected by the user.