Abstract: In a preferred embodiment of the invention, transaction systems create instruments and transaction products using a transaction product computer. The transaction product computer accepts transaction product input as a means to customize a transaction product that can be offered to end users. The platform has a product engine that accepts parameters and builds an application programming interface transaction product that enables user devices to manage and configure aspects of the transaction product and value unit transactions at the product level and on a per-transaction basis.

Abstract: A preferred embodiment of the invention allows the designation, configuration and rearrangement of multiple value unit wallets that allow an end user to designate which types of value units in conjunction with an algorithmic sequence to create a transaction product account may be implemented on a per-transaction basis such that a utilization product determines how a transaction may be processed on a transaction-by-transaction basis. The utilization product may be controllable via an application programming interface to select alternate sequences whereby prioritization of different types of value units may be designated on a transaction-by-transaction basis.

Abstract: System and methods for an exchange processor that interacts with one or more value unit exchanges in order to create value unit conversion rates for value units across multiple value unit exchanges (as integrations). This allows the nominal usage of multiple types of value units such as digital currencies (e.g. bitcoin), fiat currency, consumer rewards (e.g. loyalty points) and other types of value units to be used on a per-transaction basis by an end user.

Abstract: In a preferred embodiment of the invention, transaction systems create instruments and transaction products using a transaction product computer. The transaction product computer accepts transaction product input as a means to customize a transaction product that can be offered to end users. The platform has a product engine that accepts parameters and builds an application programming interface transaction product that enables user devices to manage and configure aspects of the transaction product and value unit transactions at the product level and on a per-transaction basis.

Abstract: A preferred embodiment of the invention allows the designation, configuration and rearrangement of multiple value unit wallets that allow an end user to designate which types of value units in conjunction with an algorithmic sequence to create a transaction product account may be implemented on a per-transaction basis such that a utilization product determines how a transaction may be processed on a transaction-by-transaction basis. The utilization product may be controllable via an application programming interface to select alternate sequences whereby prioritization of different types of value units may be designated on a transaction-by-transaction basis.

Abstract: A preferred embodiment of the invention allows the designation and manipulation of multiple value unit wallets that allow an end user to designate which types of value units in a transaction product account may be implemented on a per-transaction basis such that a person may perform a transaction in one value unit and settle it using another. The creation of the transaction product specifically may decrease the fees associated with value unit exchange. In addition, the value unit conversion and utilization product is contemplated to have multiple interfaces where a person may select alternate sequences of value unit withdrawal such that an end user may prioritize the different types of value units that are withdrawn from an account during a transaction.

Abstract: System and methods for an exchange processor that interacts with one or more value unit exchanges in order to create value unit conversion rates for value units across multiple value unit exchanges (as integrations). This allows the nominal usage of multiple types of value units such as digital currencies (e.g. bitcoin), fiat currency, consumer rewards (e.g. loyalty points) and other types of value units to be used on a per-transaction basis by an end user.

Abstract: A preferred embodiment of the invention allows the designation and manipulation of multiple value unit wallets that allow an end user to designate which types of value units in a transaction product account may be implemented on a per-transaction basis such that a person may perform a transaction in one value unit and settle it using another. The creation of the transaction product specifically may decrease the fees associated with value unit exchange. In addition, the value unit conversion and utilization product is contemplated to have multiple interfaces where a person may select alternate sequences of value unit withdrawal such that an end user may prioritize the different types of value units that are withdrawn from an account during a transaction.

Abstract: A preferred embodiment of the invention may be a platform that allows banks, issuers and other companies to create financial instruments and transaction products using a control console. Further, the control console accepts transaction product input as a means to configure a transaction product that can be offered to end users. The platform has a product engine that accepts these parameters and builds an application programming interface transaction product, that allows an end user to manage and configure aspects of the transaction product and value unit transactions at the product level and on a per-transaction basis.

Abstract: Example card processing methods and systems are described. The card processing system may receive a request to approve or reject a transaction using a multicurrency card with multiple account balances in multiple currencies. The transaction may be associated with a transaction amount in a transaction currency. In response to determination that the first account balance is not available or insufficient to fund the transaction amount, the card processing system may determine, from the multiple account balances, a second account balance in a second currency that is different to the transaction account to fund the transaction amount. An exchange rate may be selected for dynamic currency conversion of part or all of the second account balance from the second currency to the transaction currency; and a determination made as to whether to approve or reject the transaction based on the dynamic currency conversion using the selected exchange rate.