Abstract: Systems and methods for mitigating transaction delay risk are provided. A system may receive transaction data, including at least a transaction amount, associated with a transaction. The system may then obtain transfer credentials associated with a value transfer card, send a request for a pre-authorization hold of the transaction amount using the transfer credentials, and initiate a timer. The system may then monitor a blockchain address for receipt of cryptocurrency associated with the transaction. When the cryptocurrency is received prior to an expiration of a time period associated with the timer, the system may release at least a portion of the pre-authorization hold. When the cryptocurrency is not received prior to an expiration of a time period associated with the timer, the system may settle the pre-authorization hold.

Abstract: Systems and methods for releasing a reserved data resource are provided. A system may receive a pre-authorization request from a second entity, the pre-authorization request defining a first account, a transaction amount, and a blockchain address to which cryptocurrency may be sent to release a reserved data resource. The system may verify that the first account defines at least an amount of first data resources equal to the transaction amount. The system may further verify that a second account defines at least a first amount of cryptocurrency having a value that is equal to the transaction amount, the second account being associated with the first account. The system may reserve a first portion of the first data resources, the first portion of the first data resources being equal to the transaction amount, and send a response to the pre-authorization request, the response including an approval message.

Abstract: Systems and methods for managing conditional use data resources are described. A conditional data record is disclosed. The conditional data record records only data resources having conditions restricting use and excludes data resources defined in a non-conditional data record. A first transfer of first data resources is received to an account. The first transfer has a first condition restricting use of the first data resources. The conditional data record is updated based on the first data resources. A transfer request for second data resources is received. The transfer request includes metadata defining a second condition. Based on the metadata, a determination is made regarding whether data resources associated with the conditional data record or data resources associated with the non-conditional data record should be used to complete the transfer request. The transfer request is completed.

Abstract: Systems and methods for the efficient transfer of data are disclosed. The method comprises obtaining transfer definitions for a plurality of transfers to be completed, and identifying a set of the plurality of transfers including only the transfers having transfer definitions received during a particular time period. The particular time period has a starting time of no more than ten seconds earlier than a current time. The method further comprises performing an aggregation on the transfers in the set to reduce a number transfers that are to occur, yielding an amended set of transfers; and immediately, after the aggregation, completing the amended set of transfers. Completing the amended set of transfers includes updating a shared infrastructure.

Abstract: Methods of processing electronic transfers of funds from a payer account held at a payer financial institution to a financial settlement network in a currency that may be the same as or different from the funds in the payer account, and transfers from the financial settlement network to a payee account in a currency that, again, may be the same as or different from the funds in the payee account. The transfers are initiated by payment instructions transmitted by the payer to a payment gateway that provides mappings between the payer account and at least one credit card account in a currency nominated from those currencies supported by the payer financial institution for settlement purposes. The payment gateway also provides mappings between a plurality of payment currencies and at least one acquiring account held by a payee in a currency supported by an acquiring financial institution.