Abstract: An adaptive data storage platform includes a plurality of nodes and a plurality of data stores, each associated with a different one of the nodes. An immutable journal distributed is between the plurality of nodes. Access to the data stores is based upon a consensus of trust determined by the plurality of nodes. The data is cyphered as it is received to form ciphered data that is sharded into equally sized shards that are distributed across the nodes for storing on a corresponding ones of the data stores and tracked using the immutable journal. The shard may be periodically sent to a different one of the nodes for storing on the corresponding data store. The data is thereby ciphered and distributed across the plurality of data stores and is not stationary.

Abstract: A consent block is a type of block that may be stored in a blockchain. Each consent block has an owner and may store an owner consent contract, i.e., a smart contract containing owner-specified access rules that determine who may access data assets that are stored in other blocks of the blockchain and owned by the same owner. The consent block also stores a hash value determined from the owner consent contract and a previous hash value of the block immediately preceding the consent block. The owner consent contract and the position of the consent block in the blockchain are verifiable from the hash value. Each consent block, once added to the blockchain, becomes part of the immutable record of data stored in the blockchain, and therefore leaves an auditable trail of who had access to which data, and when.

Abstract: Systems and methods move money from a crypto currency to a fiat currency in real-time using a mobile wallet or debit card to allow a customer to use the funds instantly. The process for such movement of money is secured using distributed ledger technology and smart contract services. The funds are available to the customer in real-time and the customer is able to use those funds substantially anywhere credit cards are accepted and at substantially any automatic teller machine (ATM). A multi-layered distributed ledger and reconciliation method may be used as a transaction settlement system. The multi-tiered authentication and distributed identification method may be used to prevent fraud and theft. A retail transactional value of a portfolio of digital currencies may be determined by taking into account asset market liquidity and volatility.

Abstract: An adaptive data storage platform includes a plurality of nodes and a plurality of data stores, each associated with a different one of the nodes. An immutable journal distributed is between the plurality of nodes. Access to the data stores is based upon a consensus of trust determined by the plurality of nodes. The data is cyphered as it is received to form ciphered data that is sharded into equally sized shards that are distributed across the nodes for storing on a corresponding ones of the data stores and tracked using the immutable journal. The shard may be periodically sent to a different one of the nodes for storing on the corresponding data store. The data is thereby ciphered and distributed across the plurality of data stores and is not stationary.

Abstract: The disclosure includes a computational system implemented with respect to a novel computational architecture for operating an externally-defined data based on client-defined rules. In one of the implementations, the architecture is utilized in a billing and customer service program. The architecture includes a engine unit which includes a number of processing modules which internally operate on generic data units that are independent of the particular application. a metadata engine receives externally-defined data and relates the externally-defined data and the relates the externally-defined data to the generic data units for use for the engine unit. a rules-based engine provides to the engine unit information related to the client defined rules. In this manner, the engine unit can be reused in a large part in a variety of different environments.

Abstract: The disclosure includes a computational system implemented with respect to a novel computational architecture for operating an externally-defined data based on client-defined rules. In one of the implementations, the architecture is utilized in a billing and customer service program. The architecture includes a engine unit which includes a number of processing modules which internally operate on generic data units that are independent of the particular application. A metadata engine receives externally-defined data and relates the externally-defined data and the relates the externally-defined data to the generic data units for use for the engine unit. A rules-based engine provides to the engine unit information related to the client defined rules. In this manner, the engine unit can be reused in a large part in a variety of different environments.

Abstract: The disclosure includes a computational system implemented with respect to a novel computational architecture for operating an externally-defined data based on client-defined rules. In one of the implementations, the architecture is utilized in a billing and customer service program. The architecture includes a engine unit which includes a number of processing modules which internally operate on generic data units that are independent of the particular application. a metadata engine receives externally-defined data and relates the externally-defined data and the relates the externally-defined data to the generic data units for use for the engine unit. a rules-based engine provides to the engine unit information related to the client defined rules. In this manner, the engine unit can be reused in a large part in a variety of different environments.