A method and a system include receiving a request to process a transaction, identifying, by the messaging application, transactional data based on the request, the transactional data corresponding to a user profile associated with the client device in an entity graph, determining a first desensitized data item associated with the user profile being included in the transactional data, providing for display a first user interface of the messaging application including a first user-selectable element corresponding to a completion of the transaction, receiving an indication of user selection of the first user-selectable element, and transmitting the transactional data to a secured processor.

A pervasive advisor for major purchases and other expenditures may detect that a customer is contemplating a major purchase (e.g., through active listening). The advisor may assist the customer with the timing and manner of making the purchase in a way that is financially sensible in view of the customer's financial situation. A customer may be provided with dynamically-updated information in response to recent actions that may affect an approved loan amount and/or interest rate. Underwriting of a loan may be triggered based on the geo-location of the user. Financial advice may be provided to customers to help them meet their goals using information obtained from third party sources, such as purchase options based on particular goals. The pervasive advisor may thus intervene to assist with budgeting, financing, and timing of major expenditures based on the customer's location and on the customer's unique and changing circumstances.

The invention synthesizes a social network, electronic commerce (including performance based advertisement and electronic payment), a mobile internet device (MID)/mobile wearable internet device and a machine learning algorithm(s), utilizing a classical computer or an optical computer enhanced machine learning algorithms, utilizing an optical computer or a quantum computer enhanced machine learning algorithm(s), utilizing a quantum computer. The synthesized social commerce further dynamically integrates stored information, real time information and real time information/data/image(s) from an object/array of objects (Internet of Things (IoT) and automated agents (bots). The machine learning algorithm(s), utilizing a classical computer can include a software agent, a fuzzy logic algorithm, a predictive algorithm, an intelligence rendering algorithm, a self-learning (including relearning) algorithm.

A computer-implemented system and method of tracking telemetry data at a financial computing system is presented. The system and method includes receiving an electronic message that includes a payment transaction originating from a payment terminal, and associating a unique transaction identifier to the payment transaction. Telemetry data for the payment transaction is received from payment processing applications through a telemetry interface and aggregated into a data store. The aggregated telemetry data associated with the unique identifier is presented on a user interface by the financial computing system.

A method and computer readable medium for exploring similar users and items of a media service includes generating a user interface. The user interface displays a user selectable indicia representing a similar member function for allowing a user to search a media service for at least one other user. The one other user has a degree of similarity with respect to the searching user. Another method includes facilitating the search of such a similar user within a media service.

A method and computer readable medium for exploring similar users and items of a media service includes generating a user interface. The user interface displays a user selectable indicia representing a similar member function for allowing a user to search a media service for at least one other user. The one other user has a degree of similarity with respect to the searching user. Another method includes facilitating the search of such a similar user within a media service.

In some embodiments, one or more user interfaces for facilitating personal payment transactions may be provided. In some embodiments, one or more first interfaces may be generated for a payer to effectuate a personal payment transaction. A location of a user device associated with the payer may be obtained. Based on the obtained location of the user device, one or more suggested payees for presentation on the first interfaces may be provided. An indication of a selected payee (from the suggested payees) may be obtained from the payer via the first interfaces. Options to fund a personal payment to the selected payee may be provided for presentation on the first interfaces. One or more options for routing the personal payment associated with the personal payment transaction may be provided to the payer via the first interfaces.

Systems and methods of executing a real-time electronic transaction by a real-time transaction system are disclosed. One method includes receiving, by an application programing interface (API) system, an electronic transaction request from a user. The API system may transmit the electronic transaction request to a choreographer system. The choreographer system may transmit a validation API call based on the electronic transaction request to an account system. The account system may determine whether an account associated with the electronic transaction request exists in the real-time transaction system. The choreographer system may transmit an authorization API call based on the electronic transaction request to an authorization system. The choreographer system may receive an authorization response from the authorization system. The choreographer system may transmit an electronic transaction request message to at least one of a routing engine, an account ledger system, an audit system, and/or a transaction system.

The present application provides systems and methods for translating a message between a system agnostic format and one of a plurality of predetermined system formats. The methods comprise steps of receiving a message, from a first party, in a system agnostic format that comprises transactional properties of a transaction conducted at a financial service terminal, the transactional properties of the transaction at least comprising a channel of the transaction; and translating the message into one of a plurality of predetermined system formats in response to the channel of transaction.

The present specification discloses a method for generating a target contract and a terminal device. The method includes: generating, based on an operation instruction of a first user, a contract signing request to sign a contract with a second user cluster; sending the contract signing request to a second terminal device cluster corresponding to the second user cluster, for M second terminal devices in the second terminal device cluster to each generate and return, based on the joint contract signing request, a piece of first acknowledgment information that acknowledges jointly signing a contract; determining, based on M pieces of first acknowledgment information, chat information from group chat records in a same chat group as the second user cluster; generating a pending contract based on the chat information, and sending the pending contract to the second terminal device cluster, for P second terminal devices in the second terminal device cluster to each generate a piece of second acknowledgment information that acknowledges the pending contract; and determining the pending contract as a target contract based on P pieces of second acknowledgment information, and uploading the target contract to a blockchain.