Abstract: A method includes a marketplace server tracking a plurality of conditions for a plurality of exchange items, where an exchange item has a record that includes an exchange item information field that includes information regarding the exchange item, a conditions field that indicates one or more conditions, and an exchange item rule field that includes one or more exchange item rules. The method further includes determining, for the exchange item, a corresponding condition is compliant with the one or more exchange item rules, wherein the corresponding condition is compliant when a value of the corresponding condition exceeds a threshold value of a corresponding rule of the one or more exchange item rules. The method further includes modifying the information regarding the exchange item based on the one or more exchange item rules and updating the record in the exchange item database based on the modified exchange item information.

Abstract: A method for execution by a marketplace server includes generating, in accordance with a secure custody protocol, a secure block of an exchange item blockchain associated with an exchange item, wherein the secure block includes a public key that indicates a computing device has secure custody of the exchange item, information regarding an exchange item data file associated with the exchange item, and a signature of the marketplace server. The method further includes determining an acquisition process between the computing device and a merchant server requires verification of the merchant server. The method further includes obtaining a verification signature of the merchant server and generating a comparative verification signature. The method further includes determining the verification signature of the merchant server is authentic and facilitating exchange of the secure custody of the exchange item between the computing device and the merchant server in accordance with the secure custody protocol.

Abstract: A method for execution by a marketplace server of a marketplace computing network includes determining to convert a first exchange item of a plurality of exchange items from a static exchange item into a dynamic exchange item. The method further includes obtaining static bits of a static identifier associated with the first exchange item. The method further includes generating dynamic bits based on security parameters associated with the first exchange item. The method further includes performing a dynamic securing function to combine at least a portion of the static bits with at least a portion of the dynamic bits to produce a dynamic identifier. The method further includes updating, in a marketplace database of the marketplace computing network, a first record associated with the first exchange item to include the dynamic identifier.

Abstract: A method for execution by a computing entity of a data transactional network includes generating a plurality of risk analysis responses regarding a transaction for fraud evaluation, where the transaction is between a first computing device and a second computing device regarding transactional subject matter. The method further includes performing a first level interpretation of the plurality of risk analysis responses to produce a first level fraud answer. The method further includes determining a confidence of the first level fraud answer compares unfavorably with a confidence threshold. The method further includes determining a second level interpretation of the plurality of risk analysis responses based on a level of the confidence of the first level fraud answer. The method further includes performing the second level interpretation of the plurality of risk analysis responses to produce a fraud evaluation answer regarding the transaction.

Abstract: A method for execution by a computing device includes acquiring ownership of an exchange item associated with exchange item information. The method further includes receiving, from a marketplace server, exchange item security parameters associated with the exchange item. The method further includes determining to redeem at least a portion of the exchange item and generating dynamic exchange item information based on the exchange item security parameters. The method further includes determining a security code for the redeeming the exchange item based on the dynamic exchange item information. The method further includes sending a redemption request to the marketplace server and receiving a redemption response regarding the redeeming the exchange item that includes an indication of a verification process result performed by the marketplace server to verify the security code. When the redemption response is favorable, the method includes utilizing the exchange item in accordance with the redemption response.

Abstract: A method includes a marketplace server establishing one or more security parameters for an exchange item and securely providing the one or more security parameters to a user computing device of the data communication system. When the user computing device desires to use the exchange item, the method further includes generating, by the user computing device, first dynamically secure exchange item data. The method further includes the marketplace server receiving the first dynamically secure exchange item data from the user computing device, generating second dynamically secure exchange item data, and comparing the first dynamically secure exchange item data with the second dynamically secure exchange item data. When the first dynamically secure exchange item data substantially matches the second dynamically secure exchange item data, the method further includes authorizing, by the marketplace server, the use of the exchange item by the user computing device.

Abstract: A method for execution by one or more servers of an exchange item marketplace network includes receiving, from a computing device, an acquisition request regarding an exchange item of a plurality of exchange items of the exchange item marketplace network. The method further includes obtaining user information associated with the computing device and device information associated with the computing device. The method further includes selecting a fraud determination approach of a plurality of fraud determination approaches based on the user information and the device information, where the selected fraud determination approach includes a traversing nodes of a fraud decision tree. The method further includes performing a decision tree analysis function on the fraud decision tree to produce a predicted fraud level for the acquisition request.

Abstract: A method includes receiving exchange item information regarding an exchange item from a computing device of an exchange item marketplace network. The method further includes obtaining second exchange item information regarding a plurality of exchange items associated with the exchange item marketplace network based on the exchange item information. The method further includes determining an acquisition approach from a plurality of acquisition approaches for the exchange item and determining, based on the acquisition approach, an acquisition threshold for the exchange item based on the exchange item information, the second exchange item information, and acquisition rules associated with the exchange item.

Abstract: A method includes initiating, by a computing device, an acquisition process with a merchant server to acquire an item using an exchange item. The method further includes determining, by the merchant server and/or a marketplace server, whether the acquisition process requires verification of the merchant server. When the acquisition process requires verification, the method further includes obtaining, by the marketplace server, a verification signature of the merchant server. The method further includes authenticating, by the marketplace server, the verification signature of the merchant server in accordance with use rules associated with the exchange item. When the verification signature is authenticated, the method further includes facilitating, by the marketplace server, exchange of the secure custody of the exchange item data file between the computing device and the merchant server in accordance with the secure custody protocol to finalize the acquisition process.

Abstract: A method for execution by a computing device of an exchange item marketplace network includes obtaining fraud information regarding the exchange item marketplace network. The method further includes analyzing the fraud information to determine whether a fraud issue exists for an element of the exchange item marketplace network. When the fraud issue exists, the method further includes identifying a first exchange item of a plurality of exchange items as potentially fraudulent based on the fraud issue. The method further includes determining a fraud abatement approach for the first exchange item, where the fraud abatement approach is based on one or more of an exchange item rule associated with the first exchange item, a use option associated with the first exchange item, and an agreement associated with the first exchange item. The method further includes executing the fraud abatement approach to avert a potential fraud issue regarding the first exchange item.

Abstract: Disclosed are the methods and systems for transferring value from as first account to a second account via a consumer device. The methods may be consumer or merchant driven and may involve transferring value to peers, oneself, or a third party account holder with or without the creation of a user account. Based on information input by a user, various financial systems interact in a manner that results in creation of an escrow account and effectuates transfer of value from a funding account through that escrow account to a receiving account. Such novel methods allow for previously unavailable transfers of value. In certain embodiments, the methods and systems also encompass creation of a digital equivalent of the value and using the digital equivalent to make payments at as point of service.

Abstract: Disclosed are the methods and systems for transferring value from a first account to a second account via a consumer device. The methods may be consumer or merchant driven and may involve transferring value to peers, oneself, or a third party account holder with or without the creation of a user account. Based on information input by a user, various financial systems interact in a manner that results in creation of an escrow account and effectuates transfer of value from a funding account through that escrow account to a receiving account. Such novel methods allow for previously unavailable transfers of value.

Abstract: A method includes accessing a swap service, by a consumer device, to facilitate transferring value from a first account of a user to a second account of a second user. The method further includes obtaining fee information regarding a fee amount associated with the facilitating transferring value. The method further includes generating virtual fee selection buttons for display on a touch screen of the consumer device, the buttons include a fee addition button, a split fee button allows the user to split the fee amount with the second user, and a fee deduction button. The method further includes receiving a selection by the user via the virtual fee selection buttons that indicates (a) whether the user or the second user is charged the fee amount, and (b) a proportion of the fee amount that each of the user and the second user is charged for the facilitating transferring value.

Abstract: A method includes accessing a swap service operating on a consumer device and authenticating a user of the consumer device based on biometric information linked to a unique user identification code that is further associated with contact information regarding the user. The method further includes retrieving, from storage, the contact information regarding the user. The method further includes automatically populating first fields of the swap service with the contact information. The method further includes generating, for utilization during a transaction by the swap service, a request for inputting first account information. The method further includes receiving a selection for the inputting and when selection is the scanning: displaying a scanner for obtaining, from a gift card, a digital representation of the first account information, encoding the first account information into a digital equivalent of the gift card, and storing the digital equivalent of the gift card in memory.

Abstract: A method includes receiving, from a first computing device, a request for ownership acquisition of a good using a digital exchange item associated with a digital chain of custody. The method further includes determining, based on the ownership acquisition request, a first warranty of a list of applicable warranties is associated with the good. The method further includes generating a representation of the first warranty and executing the ownership acquisition. The method further includes generating a second secure data block of the digital chain of custody to include the representation for the first warranty, and information regarding the ownership acquisition of the good by the first computing device using the digital exchange item. The method further includes adding the second secure data block to the digital chain of custody of the digital exchange item to automatically affiliate the first warranty to the good and to the first computing device.

Abstract: A method for execution by a computing device of a recommendation system includes receiving, from a user computing device associated with a user, a selection of one or more images from one or more selectable image groups to produce a subset of images, where each image of the subset of images has an individual image vector. The method further includes combining the individual image vector of each image of the subset of images to produce a preliminary input vector. The method further includes correlating the preliminary input vector with a first set of items of one or more databases of items based on the preliminary input vector and a corresponding item vector for each of the first set of items. The method further includes generating a representation of the first set of items for displaying on a display of the user computing device.

Abstract: A method includes selecting, for evaluation, an entry regarding a transaction from a current transaction-answer (TA) matrix that includes a prediction field for the entry. The method further includes determining whether the prediction field associated with the entry includes an indication that a predicted fraud answer for the transaction is favorable. When unfavorable, the method further includes obtaining inputted data utilized by a fraud assessment model that includes a plurality of artificial intelligence (AI) modules, obtaining additional data regarding the transaction, augmenting the inputted data with the additional data to produce updated data, utilizing the updated data to produce an updated fraud evaluation answer, and determining whether the updated fraud evaluation answer is favorable.

Abstract: A method includes obtaining, by a first computing device, a digital exchange item of a group of exchange items, where the group of exchange items are associated with first sharing parameters, the digital exchange item is associated with second sharing parameters, and the second sharing parameters have priority in a conflict over the first sharing parameters. The method further includes sending, to a server, a request to share the digital exchange item with a group of computing devices. The method further includes determining, by the server, that the digital exchange item can be shared. The method further includes generating replications of the digital exchange item. The method further includes the server uploading the replications to digital wallets associated with the group of computing devices such that each computing device of the group of computing devices has access to the digital exchange item.

Abstract: A method includes evaluating a transaction using a first swarm member to generate a first cooperative prediction related to the transaction. The first cooperative prediction is based, at least in part, a first affinity value of the first swarm member to one or more other swarm members. The method also includes evaluating the transaction using a second swarm member to arrive at a second cooperative prediction related to the transaction. The second cooperative prediction is based, at least in part, on a second affinity of the second swarm member to one or more other swarm members. A swarm prediction related to the transaction is generated based on both the first cooperative prediction and the second cooperative prediction.

Abstract: A method includes initiating, by a first computing device, ownership acquisition of a good from a second computing device using a digital exchange item. The method further includes determining, by the second or a third computing device, whether a first warranty is applicable to the good. When the first warranty is applicable, the method further includes obtaining, by the second and/or the third computing device, a representation of the first warranty. The method further includes executing, by the second and/or the third computing device, the ownership acquisition of the good by the first computing device using the digital exchange item, wherein the executing includes updating a digital chain of custody of the digital exchange item. The method further includes updating, by the second and/or the third computing device, the digital chain of custody to include affiliation of the first warranty to the good and to the first computing device's user.