Abstract: Cryptocurrencies may be used within the current Four Party Model to settle transactions between a merchant and a consumer who may use or accept fiat and/or cryptocurrency. An intermediary wallet entity may assume the risk of cryptocurrency transactions. For example, a fiat-fiat transaction may follow the usual settlement process of the Four Party Model. In a crypto-crypto transaction, settlement may occur in real time. But in a fiat merchant/crypto customer transaction, settlement may be made from the customer's crypto wallet to an intermediary wallet. Fiat settlement would then occur between the intermediary and merchant following the Four Party Model. In a crypto merchant/fiat customer transaction, a transfer may be made from the intermediary wallet to the merchant's crypto wallet. Fiat settlement between the customer's bank (issuer) and intermediary can happen in the usual settlement process.

Abstract: Verifiable order message handling for electronic auctions. Electronic order messages are received, with at least one message including an order of a predetermined type having sell order information associated with an entity having securities not previously registered for transactions. Requests for participation in an electronic auction are identified from among the messages. The requests include auction-only order information, with at least one request including the order of the predetermined type. It is determined whether the sell order information in the order of the predetermined type meets a predetermined auction condition based on an auction price. When the sell order information meets the predetermined auction condition, the order is permitted to participate in the electronic auction, such that the order is executed in full in the electronic auction. When the sell order information does not meet the predetermined auction condition, the electronic auction is canceled.

Abstract: An overall performance metric of a computer system may be determined for each bin of the set of analysis bins. In case one or more bins of the set of analysis bins do not have at least a predefined minimum number of records, a new set of analysis bins may be redefined by joining analysis bins of the set of analysis bins. For each bin of the redefined set of bins a machine learning (ML) performance metric of the ML model may be computed. The ML performance metric may be estimated for the set of analysis bins using the ML performance metrics of the redefined bins. The computer system may be configured based on a correlation over the set of analysis bins between the computed overall performance metric and the ML performance metric.

Abstract: Some embodiments of the invention provide a convenient system and method of displaying payment device specific functions. In other words, systems and methods are provided that allow different functions to be displayed and used for different payment devices provisioned on a communication device. These embodiments allow users to perform certain allowed functions on one payment device, and other, potentially different functions on another payment device.

Abstract: Electronic transfers of value may be secured via verification of locations of parties, and/or progressive trust building, while maintaining privacy of sensitive personal information of parties via separate communications by parties with a payment network server. Locations may be fixed geolocations, proximities, and/or positions relative to markers/beacons that are in motion. Transfers may be made from party to party, party to place and place to party, and/or party to a virtual point-of-sale at a place. Transferred items may be electronic funds in fiat and/or crypto currencies, Non-Fungible Tokens (NFTs)/data associated NFTs, electronic data, and/or securities/financial instruments, for example. Transactions may be multiparty and may comprise multiple exchanges of value.

Abstract: A server includes a processor that receives, from a first device, initiation message(s) each including a service identifier and a service value and, for each initiation message, saves in a database a record comprising the service identifier in association with the service value. The processor receives, from a second device, authorization message(s) each including one of the service identifiers and an authorization value, and for each authorization message, validates one of the initiation messages by (i) locating in the database the record comprising the one service identifier, and (ii) confirming that the service value in the located database record matches the authorization value. The processor updates a journal with an entry identifying a transfer between a first ledger and a second ledger in an amount equal to a sum of the service values of the validated initiation messages, and provides the first device with a message confirming the transfer.

Abstract: In some embodiments, exemplary user interfaces for provisioning an electronic device with an account are described. In some embodiments, exemplary user interfaces for providing usage information of an account are described. In some embodiments, exemplary user interfaces for providing visual feedback on a representation of an account are described. In some embodiments, exemplary user interfaces for managing the tracking of a category are described. In some embodiments, exemplary user interfaces for managing a transfer of items are described. In some embodiments, exemplary user interfaces for managing an authentication credential connected with an account are described. In some embodiments, exemplary user interfaces for activating a physical account object are described. In some embodiments, exemplary user interfaces for managing balance transfers are described.

Abstract: There is provided a method for detecting fraudulent use of monetary credentials during online transactions, comprising: receiving by a computing system, from a client terminal via a network, a request to obtain a digital voucher having a certain monetary equivalent using monetary credentials of a user, determining, a risk of malicious use of the monetary credentials according to an analysis of data denoting the context of the monetary credentials, providing, to the client terminal, a digital unusable voucher, wherein the digital unusable voucher is invalid for performing an online transaction, wherein the digital unusable voucher is structurally similar to a valid voucher that is valid for performing the online transaction, and identifying malicious use of the monetary credentials when within an elapsed predefined interval of time, no appeal in response to invalidity of the digital usable voucher during an attempt to perform the online transaction is received from the user.

Abstract: Application integration for contactless payments is described. In an example, a payment making platform can provide a transaction code to a payment processing platform. The transaction code can be presented at a point-of-sale of a transaction between a customer and a merchant associated with the payment processing platform. Upon detecting an interaction between the transaction code and a computing device of the customer, the payment making platform and the payment processing platform can exchange data to enable the customer to participate in the transaction via the computing device of the customer. In some examples, the payment making platform and the payment processing platform can process a contactless payment for the transaction by transferring funds associated with an account of the customer from the payment making platform to the payment processing platform for depositing into an account of the merchant.

Abstract: Systems and methods for providing tag-based social interaction are provided. Users generate tags that allows a third party to connect with the user. Personally identifiable information of the user can be obfuscated, thereby allowing a user to send random acts of kindness, payments, gift cards, or other types of communications to other users while remaining anonymous.

Abstract: A method of communicating a payment request from a first payment platform to a second payment platform is disclosed. The method may receive a payment request from a sending user on the first payment platform to a receiving user on the second payment platform where the payment request from the sending user is translated into a protected payment request. In response to the sending user being known, the protected payment request may be communicated to the second payment platform. An acceptance of the protected payment request from the second payment platform may be received. A transaction settlement request may be communicated to the first payment platform and the second payment platform.

Abstract: An ultra-wideband (UWB)-enabled payment acceptance system can include a UWB anchor and a terminal device. The UWB anchor identifies UWB-enabled devices within a vicinity; and in response to receiving an indication of an intent to perform a payment transaction from a particular UWB-enabled device, the UWB anchor establishes a secure communication channel with the particular UWB-enabled device. The terminal device, via the UWB anchor, communicates transaction related information over the secure communication channel to the particular UWB-enabled device and receives a transaction payload from the particular UWB-enabled device over the secure communication channel. A UWB-enabled device includes a processor, storage, a battery, and a UWB chip. Instructions can be stored in the storage of the UWB-enabled device that when executed by the processor direct the UWB-enabled device to perform various processes supporting frictionless transactions, such as with respect to the UWB-enabled payment acceptance system.

Abstract: 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.

Abstract: The unified payment system, product and method provide an effective and efficient way to better communicate to a merchant the value of running a promotion and determine a deal structure that works for the merchant, the customer, the promotion system, or any combination thereof. The unified payment system, product and method provide real-time ROI calculations that a merchant and sales representative can collaboratively simultaneously work on to identify a deal structure for the merchant to select. In this way, the merchant and sales representative may arrive at a mutually acceptable payment plan.

Abstract: A mobile wallet computing system associated with a mobile wallet database includes a mobile wallet circuit structured to present a mobile wallet interface a mobile wallet user. The mobile wallet interface includes a first portion that includes a graphical depiction of a user payment vehicle associated with a financial institution, the first portion including a first interaction point that enables the user to initiate a sequence to engage in a mobile wallet transaction using the mobile wallet. The interface also includes a second portion that includes a second interaction point and a third interaction point, the second interaction point enabling the user to access a functionality enabling the user to indicate a transaction preference for a transaction with an entity other than the mobile wallet provider or financial institution, the third interaction point enabling the user to indicate a preference to initiate communications with the financial institution.

Abstract: A method is described for processing keyed data items that are each associated with a value of a key, the keyed data items being from a plurality of distinct data streams, the processing including collecting the keyed data items, determining, based on contents of at least one of the keyed data items, satisfaction of one or more specified conditions for execution of one or more actions and causing execution of at least one of the one or more actions responsive to the determining.

Abstract: A method and system of providing a service node within a blockchain network. The method includes storing, in a memory of a processing server, a blockchain comprised of a plurality of blocks, wherein each block is comprised of at least a block header and one or more data values, wherein the one or more data values included in a most recent block includes at least one data point associated with services or functions of at least a first service node; receiving, by a receiving device of the processing server, a request from a second service node for the list of services or functions of the at least a first service node within the blockchain network; and validating, by the processing server, the request from the second service node for the list of services or functions of the at least a first service node within the blockchain network.

Abstract: Systems, methods, and software for secure access control to digitally stored information. Owners of digitally stored information enter access control data using a first graphical user interface (GUI) on a first device. Vault space is allocated in memory for receiving and storing the information remotely from the first device. A keyholder and a guardian identified by the access control data are associated with the information. A keyholder access request for the information is transmitted via a second GUI on a second device. Responsive to determining the keyholder to be associated with the information, a third device of a guardian receives a notification of the access request, and the guardian may use a third GUI to transmit an access authorization. The information may be transmitted to the second device upon determining that the guardian is associated with the information.

Abstract: An E-commerce protocol is provided. The E-commerce protocol has been developed as a solution to malicious attacks such as credit card fraud and stealing of various financial data, wherein the malicious attacks appeared particularly in a cyber world. With the help of the E-commerce protocol, a manipulated version of user information in an E-commerce database removes security risks of compromising on E-commerce systems. Even though a user does not have to share personal information of the user with E-commerce companies, an application also eliminates a necessity of entering the user information for each online transaction.

Abstract: There are provided systems and methods for a browser tool and application for providing an exact amount transaction funding source or gift card. A digital gift card may be generated for an exact amount by detecting a checkout total is finalized on a merchant website having a checkout process. This may be done using a computing script that parses a DOM tree for the website and identifies webpage elements to monitor. By monitoring the webpage elements, a checkout total may be detected. This may occur by detecting when input and elements are finalized and present within one or more webpage fields, such as by monitoring HTML or XML code snippets A gift card network may be used to offer an exact amount gift card to a user to be used for full payment of the transaction.

Abstract: Systems and methods are provided for enabling third parties, such as authorized vendors, to reconcile short-paid adjustment requests initiated by service providers such as, for example, the United States Postal Service, in response to customer non- or underpayment for services rendered. In an embodiment, a method includes the steps of storing a short-paid adjustment request from an initiator, identifying a source for the short-paid adjustment request, generating a request to a VBI meter system for a short-paid adjustment request based on the source identified, storing the VBI meter system response to the short-paid adjustment request, and generating a file to the initiator based on the VBI meter system response.

Abstract: There is provided systems and method for unified payment account establishment and incorporation in a main payment account. A service provider, such as a payment provider, may offer merchants with a development kit that unifies payment methods between various merchants and the service provider so that users are provided with more easily established payment accounts with the merchants. The development kit may include an account establishment interface that may be utilized in a merchant ordering and payment application for a merchant. The interface may provide for establishment of a payment account with the merchant. When initially establishing the payment account, the user may generate a provisional account, which may be synchronized to a payment account the user has with the service provider. When synchronizing the two accounts, the user may transfer information to the merchant, which may be redacted to prevent the merchant from receiving sensitive information.

Abstract: In some aspects, a gateway server can unlock or unfreeze access to data about a user by third parties without requiring the user to navigate completely away from a third-party website through which the user is executing an electronic transaction. The gateway server can receive a request to unlock or unfreeze data through the third-party website hosted by a third-party web server. The gateway server can output a user interface that is displayable simultaneously with the third-party website. Through the user interface, the gateway server can receive sign-in data such as log-in credentials of the user and consent to share data about the user with the third-party web server. The gateway server can output a command to unlock or unfreeze data about the user and to share the data with the third-party web server. Based on the shared data, the transaction can be completed at the third-party web server.

Abstract: Disclosed herein are an authentication and payment system and method. The authentication and payment system of the present invention includes an issuer server, an issuer information management intermediate server, an acquirer server and a payment server. The issuer server issues, manages and operates payment means.

Abstract: There is discussed a method of authorising an electronic transaction in which a user device receives a shared secret and a shared secret identifier. Subsequently, on receipt of transaction data from a transaction terminal, the user device calculates a one-way hash of data comprising the shared secret to generate a hash value, generates authentication data comprising the hash value and the shared secret identifier, and transmits the authentication data to the transaction terminal.

Abstract: Improved entity identification is provided. Reference data sourced from various data sources may be used to more accurately identify an individual to improve the ability for multiple transaction processing systems to more effectively match identities for the transmission, receipt, and linking of data records. Accordingly, various enterprises are enabled to communicate about a particular entity without each enterprise having the same identifier or having the same, accurate entity demographic information.

Abstract: Various methods, apparatuses/systems, and media for implementing a payment application module for searching billets are disclosed. A plurality of data sources include customer profile data, customer payment history data, biller information data, and biller directory data. A processor operatively coupled to the plurality of data sources via a communication network builds a customer profile service area popularity model based on the customer profile data, customer payment history data, biller information data, and biller directory data; receives search query data for searching a biller; builds a biller search machine learning model to optimize weights applied to the search query data; and ranks search results by utilizing the machine learning model in response to the search query data.

Abstract: A method and device for managing an emergency procedure of an emergency transaction mode that can be activated in the event of a computer attack on or a failure of a transaction network. The method may be carried out by an electronic device suitable for performing a transaction in a normal mode or in the emergency mode. The method performs operations that may include receiving an activation command for activating the emergency mode procedure, where the command includes an identifier of the procedure and first encrypted data; verifying the activation command, which includes verifying the first encrypted data; and if verification of the command is successful, activating the emergency procedure.

Abstract: The present disclosure relates to an electronic device, a method, and a computer-readable recording medium for electronic transactions. The electronic device displays a first graphical user interface (GUI) on a touch screen, the first GUI including a currency amount, displays a second GUI corresponding to transmission of the currency amount according to a currency transmission signal input to the touch screen, determines an amount of an electronic transaction according to the currency transmission signal, and transmits a generated signal containing information on the amount of the electronic transaction to an information processing system.

Abstract: A system for performing community compliance includes a system administration for generating and supporting a website and mobile application for facilitating communication between a property management interface device, a driver interface device and a community interface device. A data capture platform having a vehicle mounted camera and a location module are communicatively linked to the driver interface device. A method for performing community compliance includes capturing audiovisual information and address information from a vehicle driving through a community; performing a virtual drive through of the community using the captured community data; identifying violations of the community rules, and generating a violation report to be sent to the subject property. The method also includes generating a community report listing all violation notices sent and a log outlining the time and date the data platform visited the community.

Abstract: A settlement system with higher security which replaces a settlement system using credit cards is provided. The settlement system has a user terminal, a settlement device, and a settlement terminal. First, a user ID, a password, and amount information identifying an amount are inputted in the settlement system (S912), and sent to the settlement device (S913). The settlement device performs credit determination (S922), generates temporary permission information if credit is possible (S923), and sends the temporary permission information to the user terminal (S924). The user terminal generates a one-time password (S915). The one-time password is inputted to the settlement terminal (S931). If the one-time password sent from the settlement terminal to the settlement device is identical to the one-time password created in the settlement device (S926), the settlement device allows a user's payment (S927).

Abstract: Systems and methods are described for providing decentralized access to a user account. The method may include generating, by an electronic device, a public key and a private key for the user account, generating, by the electronic device, a first inner account block of a blockchain for the user account. The first inner account block may include an identifier for the user account, the public key for the user account associated with the electronic device, encrypted data for the user account, and a signature over contents of the first inner account block using the private key for the user account on the electronic device. The method may further include generating a second inner account block of the blockchain, providing, using the identifier associated with the user account, the blockchain to a plurality of other devices, and controlling access to the user account based on portions of the blockchain.

Abstract: A method is disclosed. One embodiment of the invention is directed to a method. The method comprises: prompting, by an access device, a user to enter an access code; receiving, by the access device, the access code from the user; transmitting, by the access device, the access code to a validation computer, which validates the access code; receiving, by the access device, an access identifier or access token from the validation computer in response to validating the access code; transmitting, by the access device, an authorization request message including the access identifier or the access token to an authorizing computer; and receiving, by the access device, an authorization response message from the authorizing computer.

Abstract: A thin client may be utilized to facilitate data exchanges between two devices (e.g., a remote computer and a portable device). In some embodiments, the two devices may utilize differing communications protocols. The thin client may further be configured with a rules engine that determines one or more actions to be performed in response to one or more stimuli. The thin client may manage the processing flow between the two devices according to one or more predefined rules that are interpretable by the rules engine. The rules may be pushed to the thin client via any suitable device enabling the functionality of the thin client to be configured and/or modified without having to update the hardware and/or software of the thin client.

Abstract: A system and method for providing updates to medical devices is disclosed. In one example, the medical devices are configured to pull update files in response to the reception of an update message from a server. Once the update files are downloaded by a medical device, the update files can be installed. While the medical device pulls the update files, the medical device can continue with its normal operation. If desired, a user can select which medical devices should be updated, based on any desired factors, such as the physical location of the device, the model of the device, the type of device, and the way the device is being used.

Abstract: A method for distributed-ledger based intercompany netting may include: receiving, from a first entity within an organization, a deposit of a first amount of funds to a first account; tokenizing the first amount of funds and writing the first amount of funds to a first token wallet for the first entity on a distributed ledger; receiving, from a second entity within an organization, a deposit of a second amount of funds to a second account; tokenizing the second amount of funds and writing the second amount of funds to a second token wallet for the second entity on the distributed ledger; and executing a transaction involving a transfer of a transaction amount from the first entity to the second entity by deducting the transaction amount from a token balance in the first wallet and adding the transaction amount to a token balance in the second wallet.

Abstract: Systems and methods are provided for enabling third parties, such as authorized vendors, to reconcile short-paid adjustment requests initiated by service providers such as, for example, the United States Postal Service, in response to customer non- or underpayment for services rendered. In an embodiment, a method includes the steps of storing a short-paid adjustment request from an initiator, identifying a source for the short-paid adjustment request, generating a request to a VBI meter system for a short-paid adjustment request based on the source identified, storing the VBI meter system response to the short-paid adjustment request, and generating a file to the initiator based on the VBI meter system response.

Abstract: A system provides automated resource transfer processing using a distributed server network. In particular, the system may comprise a distributed database of data records relating to resource transfers which may be accessible by authorized users and/or entities. The distributed database may further comprise executable code which may be submitted and/or approved by the authorized users and/or entities before being deployed to the distributed database. Once deployed, the system may automatically execute the executable code upon detecting the existence of certain triggers, thereby enabling the system to efficiently resolve the steps in the resource transfer process on behalf of multiple disparate entities.

Abstract: Disclosed embodiments provide a framework to assist customers in obtaining relevant responses from brands and other users to the intents communicated by these customers. In response to obtaining an intent, an intent messaging service identifies one or more users that can be provided with the intent to solicit responses to the intent. The one or more users are selected based on characteristics of the intent. The intent messaging service evaluates the responses to the intent from the one or more users to identify relevant responses that can be presented to the customer. The intent messaging service provides the relevant responses to the intent to the customer, which can determine which users to interact with to address the intent.

Abstract: Techniques are disclosed relating to computer network security. In some embodiments, a computing system generates a plurality of executable binaries that include alerting beacons for a computer network associated with a transaction service. The computing system then deploys, within the computer network, the plurality of executable binaries as traps to detect privilege escalation attempts within the computer network. In some embodiments, the computing system detects that one or more alerting beacons included in the plurality of executable binaries have been triggered. In response to the detecting, the computing system may transmit, to a security management system, a notification indicating the one or more triggered alerting beacons. The disclosed detection techniques may advantageously reduce breaches in network security, which in turn may reduce or prevent the loss of private data.

Abstract: Methods and systems for explainable machine learning are described. In an example, a processor can receive a data set from a plurality of data sources corresponding to a plurality of domains. The processor can train a machine learning model to learn a plurality of vectors that indicate impact of the plurality of domains on a plurality of assets. The machine learning model can be operable to generate forecasts relating to performance metrics of the plurality of assets based on the plurality of vectors. In some examples, the machine learning model can be a neural attention network with shared hidden layers.

Abstract: The present disclosure relates to secure and verifiable storage and retrieval of data, in particular in the context of product tracking. According to one aspect there is provided a computer-implemented verifiable data storage method comprising: receiving a product serial number; receiving an account identifier; producing a non-invertible hash by operating on the product serial number and the account identifier; and causing the hash to be written to a secure distributed data store. According to another aspect there is provided a computer-implemented verification method comprising: receiving a product serial number; receiving an account identifier; producing a non-invertible hash by operating on the product serial number and the account identifier; searching a secure distributed data store for the hash; and depending on a result of the searching, providing confirmation or denial of the hash's presence in the secure distributed data store.

Abstract: In a method for providing provisioning information, a central data processing system receives from a transaction data processing system, an encrypted user datum associated with a client user of the transaction data processing system; receives from at least one of a plurality of account administrator data processing systems, a response comprising a notification that a user account administrated by that account administrator data processing system is associated with the client user; receives an account administrator selection message including identification of a user-selected account administrator from an account administrator list; transmits to the account administrator data processing system associated with the user-selected account administrator, a provisioning request for client user account provisioning information; receives from the account administrator data processing system associated with the user-selected account administrator, the client user account provisioning information; and transmits to the t

Abstract: A computer server receives from a mobile device, via a first network, a data structure request that includes a user identifier; associates a data structure with a user profile; and transmits the data structure to the mobile device. The user profile includes the user identifier and a current balance value. The server receives from a POS device, via a second network, a balance update request that includes an updated balance value, and a validation request that includes the user identifier and the data structure. The server determines that, prior to receiving the validation request, the server had associated the data structure with the user profile. The server replaces the current balance value in the user profile with the updated balance value; and transmits to the mobile device, via the first network, a balance update confirmation confirming that the server had updated the user profile with the updated balance value.

Abstract: Provided is an information processing apparatus and an information processing method, which allow a user to recall content of an event more easily along with an amount of spent money. The information processing apparatus includes a display control unit that performs control to display deposit and withdrawal information regarding a deposit and a withdrawal at an event and related information relating to the deposit and the withdrawal in chronological order for each event on the basis of savings and settlement information regarding savings or settlement of a user and behavior history information in accordance with behavior of the user.

Abstract: A mobile device includes a display device; a processor; and a memory device configured to store instructions that, when executed by the processor, cause the processor to: present, by the display device, a user interface to a user of the mobile device for accessing a mobile online banking application; upon accessing the mobile online banking application, provide, by the display device, an option to a create a mobile wallet; responsive to receiving an indication to create the mobile wallet, provide, by the display device, a list of accounts held by the user; and receive a selection of at least one account from the list accounts to provision the at least one account to the mobile wallet for use in future mobile wallet transactions such that the at least one account from the list of accounts is auto-provisioned to the mobile wallet.

Abstract: A checkout system includes a mobile point-of-sale (POS) apparatus and a server. The mobile POS apparatus includes a code reader, a user interface, a display, a wireless communication interface, and a processor. The processor controls the wireless communication interface to transmit a product code read by the code reader and a settlement instruction based on a user operation on the user interface. The server is configured to generate a data record including the product code and transmit a settlement request to a settlement server upon receiving the settlement instruction. If a settlement non-completion response is received from the settlement server, the server stores transaction data including a first identifier indicating the settlement request and a second identifier indicating the transaction data in a database and causes the display of the mobile POS apparatus to display a code symbol representing the second identifier.

Abstract: A system and method for automatically documenting a condition of a property and generating a request for return of a security deposit is described. In one embodiment, a method for automatically documenting a condition of a physical space includes determining an initial condition of one or more inspected elements in a physical space. The method also includes obtaining a current condition of the one or more inspected elements in the physical space. The method includes determining changes between the initial condition and the current condition for each of the one or more inspected elements. The method further includes generating a report documenting the changes of the one or more inspected elements in the physical space.

Abstract: A method and apparatus for reconciling electronic transactions facilitated by a commerce platform are described. The method may include receiving, the commerce platform, requests from a merchant system to authorize a plurality of financial transactions. The method may also include transmitting an authorization to the merchant system authorizing the merchant system to perform the financial transaction. The authorization may include a unique transaction identification (ID) corresponding to the request. The method may also include receiving from the merchant system, for each transaction ID, an order number associated with the transaction ID. The method may also include generating a settlement file comprising the transaction IDs. Each transaction ID may be arranged in an order in the settlement file according to its associated order number. The method may also include transmitting the settlement file to the merchant device.

Abstract: [Object] The object is to present a technical solution for a bank to disclose information on a deposit account directly to a third party. [Solution Means] The owner of a virtual currency address or real-currency deposit account provides a disclosure key to a disclosee (third party). The third party accesses a disclosure server 6 by operating a disclosee terminal 7, and transmits a disclosure request with the disclosure key. The disclosure server 6 accesses to an opener bank server 1, 8, acquires the virtual currency address owner information or the instant real-currency deposit account balance information, transmits it to the disclosee terminal 7, and make it browsable on the disclosee terminal 7.