Abstract: An example operation may include one or more of receiving proof of performance of an activity from a receiver system, identifying a data block, among a hash-linked chain of data blocks, that includes a bespoke crypto token associated with the activity, reading one or more requirements of the activity based on programmable instructions embedded within the bespoke crypto-token, determining whether the one or more requirements of the activity have been satisfied based on content included within the proof of performance, and in response to the one or more requirements being satisfied, releasing the crypto token to the receiver system.

Abstract: An example operation may include one or more of receiving a new identifier from a user device associated with a user account, creating a hash based on the new identifier, comparing the hash to a hash value associated with one or more identifiers stored in a blockchain, identifying a match of the hash and the hash value associated with the one or more identifiers, authorizing the user account, responsive to identifying the match of the hash and the hash value associated with the one or more identifiers, and deleting the hash, the new identifier, and the hash value associated with the one or more identifiers stored in the blockchain responsive to authorizing the user account.

Abstract: An example operation may include one or more of receiving proof of performance of an activity from a receiver system, identifying a data block, among a hash-linked chain of data blocks, that includes a bespoke crypto token associated with the activity, reading one or more requirements of the activity based on programmable instructions embedded within the bespoke crypto-token, determining whether the one or more requirements of the activity have been satisfied based on content included within the proof of performance, and in response to the one or more requirements being satisfied, releasing the crypto token to the receiver system.

Abstract: An example operation may include one or more of receiving a new identifier from a user device associated with a user account, creating a hash based on the new identifier, comparing the hash to a hash value associated with one or more identifiers stored in a blockchain, identifying a match of the hash and the hash value associated with the one or more identifiers, authorizing the user account, responsive to identifying the match of the hash and the hash value associated with the one or more identifiers, and deleting the hash, the new identifier, and the hash value associated with the one or more identifiers stored in the blockchain responsive to authorizing the user account.

Abstract: A blockchain of transactions may be referenced for various purposes and may be later accessed by interested parties for ledger verification and information retrieval. One example operation may include one or more of identifying a new event associated with a consumer debtor account, determining whether the new event includes a status change or debt related change, creating a file including the new event, and storing the file in a blockchain.

Abstract: A method, system and program product for authenticating a user seeking to perform an electronic service request is provided. The method includes verifying user identity data received from a user requesting an electronic service, detecting whether or not any variances are found based on the set of user profile data associated with the user seeking to perform the electronic service requested, identifying the risk level for the electronic service based on whether or not any variances are found and any characteristics thereof, if any variances are found, applying one or more business policies or rules for handling any variances that are found. The method further includes issuing to the user, using a customer relationship management system, a challenge corresponding to the risk level identified for the electronic service requested, and authorizing the user to perform the electronic service requested only if a correct response is received to the challenge issued.

Abstract: A method, system and program product for authenticating a user seeking to perform an electronic service request is provided. The method includes verifying user identity data received from a user requesting an electronic service, detecting whether or not any variances are found based on the set of user profile data associated with the user seeking to perform the electronic service requested, identifying the risk level for the electronic service based on whether or not any variances are found and any characteristics thereof, if any variances are found, applying one or more business policies or rules for handling any variances that are found. The method further includes issuing to the user, using a customer relationship management system, a challenge corresponding to the risk level identified for the electronic service requested, and authorizing the user to perform the electronic service requested only if a correct response is received to the challenge issued.