Paymentus Corporation

Dushyant Sharma

Methods, apparatuses, and systems are described for artificial intelligence-based techniques for programmatically generating and integrating application programming interfaces (APIs). An example method may include, in response to receiving by one or more processors, an integration data object, processing, by the one or more processors, based at least in part on an integration machine learning model, the integration data object in order to identify one or more integration features associated with the integration data object; programmatically generating, by the one or more processors, based at least in part on the one or more integration features, an application programming interface (API) model corresponding with the integration data object; and generating, by the one or more processors, an API generation data object corresponding with the API model for execution.

Artificial intelligence based integration frameworks

Methods, apparatuses, and systems are described for dynamically navigating interactive communication systems. An example method may comprise: receiving, from a user device, sound waves or audio information, the sound waves or audio information indicative of a request to initiate an interactive communication session with a communication system of a biller or merchant; interpreting, based on the sound waves or audio information, an intent of the communication session and an identity of the biller or merchant; retrieving a predetermined interaction coding associated with the biller or merchant; and initiating the interactive communication session with the communication system of the biller or merchant based on the predetermined interaction coding.

Methods, apparatuses, and systems for dynamically navigating interactive communication systems

Methods, apparatuses, and computer program products are described for presenting an interactive audio-visual presentation of transaction documents. A method can include receiving a bill associated with a payor and payee, using a textual language processor or the like to identify content fields from the bill and assign markups and/or metadata to content fields, and using the content fields, markups, and/or metadata to generate an audio-visual presentation associated with the bill. This audio-visual presentation can be presented to the payor. The payee may then interact with the audio-visual presentation, for instance by verbal, visual, manual, or textual response. A verbal language processing engine, natural language processing engine, audio-visual language processing engine, or visual-manual language processing engine can be initiated to facilitate interpretation of the payee response and generate a further audio-visual presentation.

Systems and methods for interactive video presentation of transactional information

Described are systems, apparatuses, methods, and computer program products for low-input initiation of user account-affiliated transactions. An example apparatus can comprise a processor and a memory storing program code configured to cause the apparatus to store payor information, authentication information, and account information associated with a payor; store payee information associated with payees; receive, from a payee device or a payor device, a request to initiate a payment, the request comprising information about a payor and payee as well as a payment amount; determine, based at least upon the information about the payor and payee, and the stored information, whether the payment is to a pre-approved payee or merchant with which payor has a pre-existing account; and, in an instance in which the determination is in the affirmative, initiate the payment by providing at least payor and payee information and payment amount a payment processor.

Methods, apparatuses, and systems for user account-affiliated payment and billing, consolidated digital biller-payment wallets

Methods, apparatuses, and computer program products are described for aggregating user sessions for conversational exchanges using a virtual assistant. A user device can receive conversational inputs, convert the conversational inputs into textual strings, associate, based upon semantic analysis of different portions of the textual strings, a first network and a second network, and initiate, respectively, a first and second user session with a first response module of the first network and a second response module of the second network. The portions of textual strings can be transmitted to the first and second response modules via, respectively, the first and second user sessions. Once response fragments are received from the first and second response modules, the response fragments can be combined in a semantically suitable order to form a generated response.

Systems and methods for aggregating user sessions for interactive transactions using virtual assistants

Methods, apparatuses, and systems are described for artificial-intelligence based techniques for programmatically generating and integrating application programming interfaces (APIs). An example method may include, in response to receiving by one or more processors, an integration data object, processing, by the one or more processors, based at least in part on an integration machine learning model, the integration data object in order to identify one or more integration features associated with the integration data object; programmatically generating, by the one or more processors, based at least in part on the one or more integration features, an application programming interface (API) model corresponding with the integration data object; and generating, by the one or more processors, an API generation data object corresponding with the API model for execution.

A method, apparatus and computer program product are disclosed to provide for the selective establishment and use of secure communication channels to facilitate the exchange of data objects containing potentially sensitive information in a network environment. In some example implementations, upon detection that the processing of a network entity request implicates the exchange of non-public information amongst one or more other network entities, one or more secure communication channels are established between a secure transfer system and the relevant network entities such that non-public information neither passes to nor resides on system components associated with non-secure network entities.

Method and apparatus for multi-channel secure communication and data transfer

Methods, apparatus, and computer program products directed to the multi-mode delivery of documents are provided. Example embodiments implement the transformation and delivery of data objects for use in connection with parallel delivery topologies and pathways to overcome technical challenges associated with the accuracy, reliability, scalability, and efficiency of conventional document delivery approaches.

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Waxhaw, NC, United States of America

Dushyant Sharma