Abstract: A data processing apparatus for processing network data transmitted from a plurality of remote, distributed terminal devices, comprising: a logic processing device that: accesses, over one or more distributed networks, instructions that define initialization of a process of determining multi-user network sources and that specify to allocate one or more portions of a virtual record among the multi-user network sources by automatically simulating a digital exchange process in which the data processing apparatus is a receiving source to receive at least one of the one or more portions by a processing network.

Abstract: A computer-implemented method includes receiving, from a processing network, a request to approve a transaction, with the request comprising identifying information of a first user who initiated the transaction and an amount of the transaction; determining, based on the identifying information of the first user, that the amount of the transaction is to be allocated among at least a first user account of the first user and a second user account of a second user; determining, based on the amount of the transaction, a first allocation amount that is allocated to the first user account and a second allocation amount that is allocated to the second user account; causing the first user account to be charged the first allocation amount and the second user account to be charged the second allocation amount; and transmitting, to the processing network, information indicative of approval of the transaction.