Abstract: A method includes verifying the identity of an individual. A virtual passport for the individual is created upon verifying the identity of the individual. The virtual passport uniquely identifies the individual. A public/private key pair associated with the individual is generated. The virtual passport is signed with the private key. The signed virtual passport is entered in a public block chain. The signed virtual passport may be retrieved from the public block chain. The authenticity of the signed virtual passport may be determined via the public key.

Abstract: A computer implemented method performed by an identity verification computing system includes receiving a request to provide an identity verification of a user via an entity computing system, the request including data associated with a user device associated with the user. A user-level profile associated with the user device is accessed. A user-level token is requested from the user device. The user-level token is associated with the user-level profile. The user-level token is received from the user device, and validated. An identity verification approval is transmitted to the entity computing system.

Abstract: Systems and methods for facilitating the sale of an asset having digital title through two separate math-based currency (“MBC”) transactions. The first MBC transaction passes digital title from the seller to the buyer by incorporating the digital title or a pointer to the digital title in the metadata of the first MBC transaction. The second MBC transaction passes funds to the seller from the buyer (either directly or via an intermediary). Accordingly, the ownership chain of the asset can be traced and verified through a MBC blockchain or ledger that serves as a record of all MBC transactions.

Abstract: A computing system includes one or more processors and one or more computer-readable storage media having instructions stored thereon that, when executed by the one or more processors, causes the one or more processors to receive a pending purchase order from a user device in response to a selection of an interactive element presented on a payment page of an online store via the user device, the pending purchase order corresponding to a purchase of a good or service from the online store and including payment information, store the payment information in an escrow database for a window of time, generate a notification corresponding to the pending purchase order, the notification including information corresponding to the good or service and excluding the payment information, and transmit the notification to a merchant system associated with the online store to reserve the good or service during pendency of the window of time.

Abstract: A computing system includes one or more processors and one or more computer-readable storage media communicatively connected to the one or more processors and having instructions stored thereon that, when executed, causes the one or more processors to analyze a plurality of electronic payment transactions from an account associated with a user to identify payments to a merchant on a recurring basis, receive external data associated with the user corresponding to usage of a good or service provided by the merchant, analyze the external data to identify disuse of the good or service, generate a recommended action based on the disuse, present the recommended action on an interactive display on a user device associated with the user, and change a subscription associated with the good or service corresponding to the recommended action.

Abstract: Systems and methods of completing purchase transactions that include a loan are disclosed. A system includes an account database configured to retrievably store information relating to at least one account associated with at least one customer and a network logic configured to enable the system to exchange information over a network. The system further includes a transaction processing logic, which is configured receive a loan application, generate a plurality of loan terms for the loan application, receive a related transaction package, tender a purchase price according to the transaction package, and set up a corresponding loan in an account database.

Abstract: Token management systems and methods are described. The token management systems and methods are configured to receive a plurality of tokens from a plurality of entities associated with a user and to enable the user to manage the tokens in a secure, convenient, efficient, and time-saving manner. The token management system may be accessed with a user device. In some arrangements, the token management system is structured to receive a registration request from a user, request a plurality of tokens from different entities where the user has associated tokens, and to provide various token management functions to the user. The token management functions allow the user to change, reassociate, activate, and deactivate the tokens, as well as create new tokens.

Abstract: A method of performing a currency trade involving a math-based currency (“MBC”) for a customer having a MBC account with a financial institution is described. The financial institution receives a trade order and determines an optimal trade sequence that may involve more than one trade to achieve the initially requested currency trade. The financial institution updates account balances associated with the customer on an overlay ledger to reflect the currency trade. The overlay ledger includes information relating to account balances of a plurality of MBC accounts associated with a plurality of customers.

Abstract: A computing system receives first input from a customer to establish an account at the financial institution having a physical payment card associated therewith, approves the customer for the account based on account registration information received from the customer, and establishes the account for the customer. Establishing the account includes generating a card number for the physical payment card and associating the card number with a first status indicator, the first status indicator being associated with an inactive status of the account. Once the account is established, the computing system transmits a prompt instructing the customer to establish a PIN for the account and receives a customer-input PIN for the account.

Abstract: A method includes verifying the identity of an individual. A virtual passport for the individual is created upon verifying the identity of the individual. The virtual passport uniquely identifies the individual. A public/private key pair associated with the individual is generated. The virtual passport is signed with the private key. The signed virtual passport is entered in a public block chain. The signed virtual passport may be retrieved from the public block chain. The authenticity of the signed virtual passport may be determined via the public key.