Systems and methods for reducing latency in transactions are described herein. In an embodiment, an application edge acts as a system of record for an application. When a client computing device sends a request to perform a transaction to the application, the application edge receives the request and, without forwarding the request to a backend computing network, searches a transaction datastore stored at the application edge for the account balance and responds to the client computing device with the account balance. The client computing device then determines that a transaction can be performed and sends a request to perform the transaction to the application. The application edge passes this request to the backend computing network which performs the requested transaction. The application edge then uses a webhook infrastructure to update each transaction datastore stored at the application edge.

A method, a system, and a non-transitory computer-readable record medium for a payment link may be provided. A payment link method implemented by a computer system, may include: verifying whether a second payment application is a transaction link target in response to a transaction request, which is received from a first payment application installed on an electronic device, occurring at a payment processing system that uses the second payment application different from the first payment application; and forwarding payment information on the first payment application to a payment server associated with the second payment application and linking a transaction between the first payment application and the second payment application in response to the second payment application corresponding to the transaction link target.

A user-interactive digital signage apparatus includes a signage housing, a touch panel display, a card reader, and a controller. The card reader is configured to read card information from a prepaid card presented by a user at the retail space. The controller is configured to obtain map image data for a map image of the retail space using the card information, the map image data including information on one or more affiliated stores that are affiliated with the prepaid card among a plurality of stores in the retail space. The controller is configured to control the touch panel display to display a user-interactive retail space map including one or more map elements corresponding to at least a part of the one or more affiliated stores, in an emphasized display manner with respect to one or more map elements corresponding to one or more non-affiliated stores in the retail space.

The present invention is directed to a system, method, and apparatus for managing a packaging article secured via a locking unit alterable between a locked state and an unlocked state. An indication that a user desires to handle the article may be received and an authorization of the user to handle the article may be performed. An actuator may cause the locking unit to alter from the locked state to the unlocked state, for example, based on the user being authorized to handle the article. Based on the user desiring to purchase the article, inventory information of the article may be updated by decreasing the number of articles in inventory by the article purchased. An account of the user may be charged a cost of the article. An indication may be provided to the user that the article has been purchased.

This disclosure describes, in part, techniques for generating predictive models based on past transaction data and/or future-event data to predict: (i) when an account of user is expected to fall below a minimum balance associated with that user, and/or (ii) when an account has surplus funds that may safely be moved to a higher-yield account for some amount of time. In response to determining a predicted time at which an account is expected to fall below the minimum balance, the techniques may generate an offer to extend capital to the user prior to the predicted time. In response to determining that a user has or will have surplus funds, the techniques may generate an offer to move some or all of these surplus funds into a separate account providing a higher yield than the primary account of the user.

This disclosure describes, in part, techniques for generating predictive models based on past transaction data and/or future-event data to predict: (i) when an account of user is expected to fall below a minimum balance associated with that user, and/or (ii) when an account has surplus funds that may safely be moved to a higher-yield account for some amount of time. In response to determining a predicted time at which an account is expected to fall below the minimum balance, the techniques may generate an offer to extend capital to the user prior to the predicted time. In response to determining that a user has or will have surplus funds, the techniques may generate an offer to move some or all of these surplus funds into a separate account providing a higher yield than the primary account of the user.

A computer-implemented method for financial liability payment calculation includes receiving, by a processor, a set of financial liabilities of a user. The method further includes detecting, by the processor, a first financial liability that is in negative amortization using a predetermined threshold duration. The method further includes computing, by the processor, a payment schedule for the set of financial liabilities using the predetermined threshold duration. Computing the payment schedule includes computing priorities for each of the financial liabilities, and reordering the financial liabilities according to the priorities. Computing the payment schedule further includes determining suggested payments for each of the financial liabilities using minimum payments specified for each of the financial liabilities. Computing the payment schedule further includes determining a repayment timeline for the set of financial liabilities using the suggested payments. The method further includes displaying, by the processor, the payment schedule via a user interface.

Disclosed herein are system, method, and computer program product embodiments describing the creation and funding of tax-advantaged accounts at a point-of-sale. By immediately funding the tax-advantaged account at the point-of-sale using a funding and payment mechanism, the disclosed embodiments may effectively and instantly fund a tax-advantaged account at a point-of-sale. The funding and payment mechanism overcomes the lapse in availability of funds inherent in legacy systems. Thus, an account holder may then immediately pay a provider from the tax-advantaged account for qualified expenses. The disclosure also presents a credit feature allowing prospective account holders to initially fund the tax-advantaged account. At the point-of-sale, the prospective account holder may link their newly created tax-advantaged account to other accounts, allowing the system to detect potential over-contributions. The disclosure also presents a retroactive analysis feature that analyzes linked accounts to create tax-advantaged transactions in transactions completed earlier in a plan year.

Techniques for intelligently modifying capital loan offerings at a point-of-sale (POS) are described. Server(s) can receive, from a first POS device associated with a first merchant, transaction data associated with transaction(s) between the first merchant and customer(s). The server(s) can determine that the first merchant is eligible for a capital loan of a first amount. The server(s) can receive, from a second POS device associated with a second merchant, an authorization request to authorize a payment instrument, having a limit based on the first amount, for a purchase having a purchase amount greater than the first amount, and the server(s) can determine to increase the first amount to a second amount. The server(s) can send, to the second POS device, an indication that the payment instrument is authorized for at least the second amount, thereby modifying the amount of the capital loan at the POS.

A method and system for central hub reconciliation is disclosed. The central hub reconciliation can provide for improved methods of reconciliation between a buyer (e.g., a request realization party) and a supplier (e.g., a request originating party). A central hub server may receive a data file comprising remittance data and payment data from a request realization computer. The remittance data is associated with a request provided from a request originating computer to the request realization computer. The central hub server ay then generate a unique identifier for the data file, and provide the payment data and the unique identifier to an authorizing entity computer requesting payment on behalf of the request realization computer. The central hub provides the remittance data and the unique identifier to the request originating computer which updates a repository using the payment data and the remittance data upon finding a match.