Systems and methods for decryption of payloads are disclosed herein. In various embodiments, systems and methods herein are configured for decrypting thousands of transactions per second. Further, in particular embodiments, the systems and methods herein are scalable, such that many thousands of transactions can be processed per second upon replicating particular architectural components.

Systems and methods are disclosed for establishing a multi-dimensional fraud detection system and payment analysis. One method includes: receiving transaction history of a user, the transaction history including a first payment vehicle and a second payment vehicle; determining, of the received transaction history, one or more instances of switching from one the first payment vehicle to the second payment vehicle; and determining a user-specific abandonment score for the user, based on the determined instances of switching from the first payment vehicle to the second payment vehicle.

A portable electronic device and a method thereof are disclosed. The portable electronic device includes a communication circuit, a processor, and a memory configured to store instructions. The instructions, when executed by the processor, causes the portable electronic device to execute a first smart contract, to obtain at least a portion of data stored in the memory, by executing the first smart contract, to create a transaction including the at least portion of data, to sign the created transaction based on a private key of a user of the portable electronic device, and to send the signed transaction to at least one node of a decentralization network through the communication circuit.

A round trip resource sharing method and system with time slot locking is disclosed. The method may include issuing a time slot-based owner certificate and an owner resource profile through a shared resource transaction system; setting a shared resource to a time slot authentication and authorization device with the owner certificate and resource profile; disclosing the set shared resource to the transaction system; setting a lessee certificate and a lessee resource profile of a lessee who concluded a transaction to the time slot authentication and authorization device; using, by the lessee, the shared resource through the time slot authentication and authorization device or disclosing the shared resource to the transaction system for resale permitted by the owner.

A ledger based dynamic digital address masking solution for reducing vulnerability of private cryptographic keys used during digital transactions. Tokenized digital transaction addresses may be stored in association with an actual distributed ledger reference address. The tokenized transaction address, or recipient token, may be used to complete a variety of transactions for digital asset exchange without exposing the transaction address's actual reference address on the distributed ledger.

Embodiments of the disclosure provide systems and methods for verifying digital payments for a payment platform. The system includes a communication interface configured to receive service data associated with a transaction from a terminal device associated with a user of the payment platform. The system further includes at least one processor configured to automatically determine whether an authentication is waived for the transaction based on the received service data and a blacklist generated using a machine learning model. The blacklist includes a list of suspicious users and transaction behaviors. The at least one processor further configured to approve the transaction without requesting user authentication information from the terminal device when the authentication is waived. The at least one processor also configured to request the user authentication information from the terminal device and validate the user authentication information when the authentication is not waived.

Systems, methods, and devices for payment product verification and authorization using a customer identifier are disclosed. In some aspects, techniques described herein relate to receiving, by a payment product provider and from a payment processor, a customer identifier; querying a datastore of customers of the payment product provider with a parameterized query, where the customer identifier is a parameter of the query; determining, based on the query, that the customer identifier is associated with customer profile data of the payment product provider; determining payment product data associated with the customer profile data; returning, by the payment product provider and to the payment processor, a positive eligibility indication based on the customer profile data and the payment product data; receiving, by the payment product provider and from the payment processor, a customer approval indication; and sending, by the payment product provider and to the payment processor, the payment product data.

A computing system, includes: a non-transitory memory; processors coupled to the non-transitory memory and configured to execute instructions to perform operations including: detecting a vehicle at a first location, executing instructions local to the first location by one or more edge processors to determine vehicle specific parameters that identify the vehicle; determining the vehicle is associated with a user account stored in a computerized vehicle management system; in response to the determining that the vehicle is associated with the user account, and transmitting instruction to a first display at the first location to present a user-tailored menu generated by using the edge processors to access a machine learning computer model based on data obtaining from the user account.

The present disclosure relates to systems and methods for facilitating shopping and purchasing. The systems and methods for facilitating shopping and purchasing use an identity tag as an item tracker and/or a transaction enabler.

A method for using location-based services for service management is discussed. The method includes receiving, at a server, a user request from a user device at a geographical location. The method includes accessing a store search to determine a store reference based on the user request and a user location corresponding to the geographical location, the store reference indicating tenant(s) accessible to the user via a user interface (UI) of the user device. The method includes accessing location data for the user device based on the store reference and a user account associated with the user, the location data indicating a service accessible via the UI and associated with a certain tenant. The method includes providing, to the user device and based on the location data, a user experience for accessing the service via the UI.