Various implementations directed to price time priority queue routing for time interval object capacity units are provided. The method may also include generating data packet routes based on the origin location data and the destination location data. The method may further include determining virtual hubs along the data packet routes, where the virtual hubs include a first virtual hub based on the origin location data and a second virtual hub based on the destination location data. The method may additionally include receiving travel cost data for the routes for geolocation time interval object exchange units. In addition, the method may include receiving market depth data for a geolocation exchange for the geolocation exchange units based on the data packet routes. The method may also include selecting an optimized route of the routes for the geolocation exchange units based on an objective function.

Systems and methods are disclosed with respect to using a blockchain for managing the subrogation claim process related to a vehicle collision, and in particular, determining responsibility to pay for line items as part of the subrogation process. In one embodiment, the systems and methods may include (1) receiving a transaction from at least one other participant in the distributed ledger network; (2) analyzing the transaction to determine a set of line items related to a subrogation claim; (3) comparing the set of line items to a baseline dataset; (4) generating a transaction including a disputed line items dataset; and (5) transmitting the transaction to a smart contract stored on the distributed ledger.

Systems and techniques for an adaptive authentication system are described herein. In an example, an adaptive authentication system is adapted to receive a request at a first entity from a second entity for secure data of a user, where the second entity is remote from the first entity. The adaptive authentication system may be further adapted to transmit a prompt to a user device associated with the user for authentication of the user and authentication of the request. The adaptive authentication system may be further adapted to receive a response to the prompt and authenticate the user and the request based on the response. The adaptive authentication system may be further adapted to transmit the secure data of the user to the second entity.

A device may receive, from a point-of-sale (POS) device, transaction data associated with a transaction between a customer and a merchant associated with the POS device. The device may determine a customer email address and other data associated with the transaction, the customer, or the merchant, based on the transaction data and customer data identifying the customer, and may process the customer email address, the other data, and social media data, with a machine learning model, to identify a social media account of the customer. The social media data may include data identifying multiple social media accounts, and the multiple social media accounts may include the social media account of the customer. The device may determine, based on the social media data, whether the social media account of the customer follows the merchant, and may perform actions based on whether the social media account follows the merchant.

Novel modular smart management devices in the form of drop safes include the modular components of a chassis, door and technology cabinet. The drop safes enable retailers to make cash deposits quickly and safely within or near their own facilities. Various technology, including RFID readers, RFID tags, and other equipment allow the drop safes to identify each deposited bag. Employees utilize specialized apps on their mobile devices to facilitate deposit creation and other tasks. Novel methodologies for accessing the drop safes for emptying employ single-use, time-expiration type authorization codes along with other security measures to minimize risk and to provide other benefits. Novel structures along with methodologies for replacing, on-site, modular components with auto-detection of functionality during initialization and re-initialization enables for efficient replacement and upgrading of components, including the upgrading of safes to provide additional functionality.

A system that provides for implementing a communication network with multiple data routers capable of segmenting a data file, such that the data routers provide for multi-distribution of different segments of a data file to different targets. As a result, a source is able to communicate a data file, segments of which are designated for multiple targets and have the actual segmentation of the data file occur after the data file has been transmitted (i.e., during the routing process).

Aspects of the disclosure relate to digital check processing. A computing platform may receive a check image from a user device. The computing platform may configure, based on the check image, a digital check for use in conducting transactions between the user device and point of sale devices, which may include generating a QR code for the check. The computing platform may send, to the user device, the digital check, which may enable the user device to execute a transaction with a first point of sale device. The computing platform may receive, from the first point of sale device, a request to execute the transaction. The computing platform may direct an event processing server to process the transaction, which may cause the event processing server to execute a transfer of funds from an account of the initial payor to an enterprise account of the first point of sale device.

A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal including digital wallet pass data; store the digital wallet pass data in association with an account; monitor location data and data associated with a value card account to identify a notification event; responsive to identifying the notification event, generate a notification based on the digital wallet pass data; and send, via the communication module and to the computing device, a signal causing the computing device to display the notification.

Systems and methods are provided for imposing physical actions, by endpoints, based on activities by users. One such method includes storing multiple rules in a data structure, where each of the multiple rules indicates a physical action to be performed in response to an activity, and then receiving, by a computing device, an activity message including data indicative of an activity of a user. The method also includes retrieving, by the computing device, one of the multiple rules from the data structure based on the data indicative of the activity and identifying, by the computing device, the physical action included in the one of the multiple rules. The method then includes transmitting, by the computing device, an order for the identified physical action to an endpoint, whereby the endpoint commands a drone to perform the identified physical action as a response to the activity of the user.

Using a machine learning model(s) for fraud reduction is described. A payment service computing platform may receive, from an electronic device, user data associated with a user, and dynamically determine an incentive(s) associated with the user based on the user data. The incentive(s) may be determined using a trained machine learning model(s) that is trained based on previously collected user data. The payment service computing platform can then cause a user interface to be displayed via a payment application executing on the electronic device, wherein the user interface presents an interactive element(s) for receiving the incentive(s) in exchange for the user referring at least one other user to a payment service.