Abstract: Systems and methods for the encouragement of environmentally sustainable behaviour are provided. A system may assign, in a second memory, an environmental score to each of a plurality of transfer protocol options. A rank may then be determined for each of the plurality of transfer protocol options based on the assigned environmental scores. In response to detecting an event associated with a first storage location, the system may filter the plurality of transfer protocol options to exclude at least a first transfer protocol option having a relatively low rank. The system may also generate user interface data identifying at least a second transfer protocol option, the second transfer protocol option having a relatively high rank.

Abstract: A request to separate a transfer into a plurality of parts may be received, the request defining a total amount and a total time period. A plurality of request for transfer links may be prepared. Each of the links may be associated with a different transfer time period, each transfer time period being less than or equal to the total time period. Each of the links may be associated with a separate transfer part amount, and a summation of the separate transfer part amounts may be equal to the total amount. A plurality of request for transfer links may be provided to a transferor device, each link allowing a transfer to fulfill the separate transfer part amount to be performed without requiring input of the separate transfer part amount or recipient information.

Abstract: Systems and methods for tracking and verifying sustainability data are provided. A system may receive a first transfer request message associated with a conveyance of a first item from a first entity to a second entity. The message may include first sustainability data associated with the first item, which may be a production input of a second item. The system may then obtain second item composite sustainability data to be included in a second transfer request message associated with a conveyance of the second item from the second entity to a third entity. The system may then verify the second item composite sustainability data by determining that this data includes at least a portion of the first sustainability data and second item production sustainability data. The system may then send the second transfer request message. The second transfer request message may include the second item composite sustainability data.

Abstract: Methods and computer systems for locking in offsets associated with resource requests. Receiving input of a resource request amount for a resource request, the resource request associated with a defined period of time and a property. Determining, based on data indicating one or more characteristics of the property, a metric representing an expected quantity of emissions over the defined period of time. Identifying an application programming interface capable of processing a request to lock in an amount for an offset product. Using the application programming interface and the metric to determine an offset amount to offset the expected quantity of emissions. Determining a periodic data transfer amount for the resource request that is based on the resource request amount and the offset amount. Outputting the periodic data transfer amount. Receiving an instruction to initiate the resource request and using the application programming interface to lock in the offset amount.

Abstract: A processor-implemented method is disclosed. The method includes: receiving, via a terminal device, input of a first password during a card session that begins when a value transfer card is inserted into the terminal device, the value transfer card being associated with a plurality of passwords; verifying that the first password is a valid password associated with the value transfer card; identifying at least one card control setting associated with the first password, the at least one card control setting being a setting that is not associated with another one of the plurality of passwords; and processing a transaction initiated at the terminal device based on the identified at least one card control setting.

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: Methods and computer systems for managing access to resources in a computing environment. Detecting a projected overload condition from a projected demand for a resource. Identifying a server associated with a resource demand scheduled to be fulfilled prior to the projected overload condition. Generating a rescheduling request to reschedule the resource demand until after the projected overload condition. Sending the rescheduling request to the identified server. Providing access to the resource at a rescheduled time.

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: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically manage consent, permissioning, and trust between computing systems and unrelated, third-party applications operating within a computing environment. By way of example, the apparatus may receive a request for an element of data that includes an access token and first credential data associated with an application program. When the first credential data corresponds to second credential data associated with the application program, may determine that the requested data element is accessible to the application program and perform operations that validate the access token. Further, and based on the validation of the access token, that apparatus may obtain and encrypt the requested data element, and may transmit the encrypted data element to a device via the communications interface.

Abstract: According to an aspect there is provided a system that is configured to: detect, based on an output of at least one of the one or more sensors, an entity at the physical premises; authenticating the detected entity by: receiving, from a first system, an indication that authentication has been performed by the first system using a first authentication parameter; obtaining an indication that authentication has been performed by a system that is not the first system using a second authentication parameter; and determining that the detected entity is an authenticated entity based on the indication that the authentication has been performed by the first system and the indication that authentication has been performed by the system that is not the first system. The system may also be configured to perform an operation for the authenticated entity.

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: A server computer system, comprises a processor; a communications module coupled to the processor; and a memory coupled to the processor, the memory storing instructions that, when executed, configure the processor to receive, via the communications module and from a client device, a signal including a request to configure a transfer of data to a particular data record; determine that the particular data record is associated with a third party server; obtain a trust score associated with the particular data record; determine that the trust score satisfies trust criteria; and responsive to determining that the trust score satisfies trust criteria, enable one or more transfer features associated with a real-time transfer protocol.

Abstract: According to an aspect there is provided an ambient commerce system. The ambient commerce system may include a sensor at an ambient commerce premises. The ambient commerce system may include a processor coupled to the one or more sensors. The ambient commerce system may include a memory coupled to the processor. The memory may store processor-executable instructions which, when executed, cause the processor to: detect, based on an output of one or more of the sensors, engagement of an entity with a restricted item; identify the entity; obtain at least a portion of a profile for the entity; determine, based on the at least a portion of the profile for the identified entity, eligibility for the entity to acquire the restricted item; and selectively generate, based on the determined eligibility for the entity, a notification on an electronic device associated with the entity.

Abstract: A computer-implemented method is disclosed. The method includes: receiving, via a client device, a resource transfer request for resources to be transferred to a transferee account; generating a secure data object based on request data of the resource transfer request, the secure data object including a first hash computed based on an input string comprising a transferee account identifier; signing the secure data object using a private key of a transferee resource account management system; and sending the signed secure data object to a messaging address associated with a transferor account.

Abstract: The disclosed exemplary embodiments include computer-implemented apparatuses and methods that validate confidential data based privacy-preserving homomorphic computations involving encrypted data. For example, an apparatus may receive, from a first computing system, encrypted data that includes a first encrypted value representative of at least one of first account data or an element of cryptographic data. Based on the first encrypted value and on second encrypted values, the apparatus may generate encrypted residual values representative of second account data associated with one or more reference accounts, and the apparatus may request and receive a decrypted residual value associated with each of the encrypted residual values from a second computing system. The apparatus may transmit the decrypted residual values to the first computing system, which may validate the first account data based on at least the decrypted residual values and perform operations associated with the validated first account data.

Abstract: Methods and systems for performing a partial pass-through transfer are described. In an aspect, a method includes: receiving, from a first computing system, pass-through transfer definition data to be associated with a first logical storage area, the pass-through transfer definition data including a trigger condition for a pass-through transfer and an apportionment value for the pass-through transfer; storing a representation of the pass-through transfer definition data in association with the first logical storage area; detecting a first data transfer to the first logical storage area, the first data transfer representing a transfer of a resource; determining that the first data transfer satisfies the trigger condition; and in response to determining that the first data transfer satisfies the trigger condition: identifying a portion of the resource based on the apportionment value; and initiating a second data transfer.

Abstract: The disclosure generally describes computer-implemented methods, software, and systems, including a method for placing a card into an alert state. An alert detection indication is received during an attempted data exchange using a permanent account number (PAN) associated with a card. The alert detection indication is received by an electronic controller embedded in the card and is received through an interface. The alert detection indication indicates that the PAN has an alert state identified for the PAN by an entity that issued the card. An operational mode of the card is modified into the alert state by the electronic controller and is based on receipt of the alert detection indication. An electronic display indicating that the card is in the alert state is displayed by the electronic controller.

Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically manage consent, permissioning, and trust between computing systems and unrelated, third-party applications operating within a computing environment. By way of example, the apparatus may receive a request for an element of data that includes an access token and first credential data associated with an application program. When the first credential data corresponds to second credential data associated with the application program, may determine that the requested data element is accessible to the application program and perform operations that validate the access token. Further, and based on the validation of the access token, that apparatus may obtain and encrypt the requested data element, and may transmit the encrypted data element to a device via the communications interface.

Abstract: According to an aspect there is provided an ambient commerce system. The ambient commerce system may include a sensor at an ambient commerce premises, a communication module, and a processor coupled to the sensor and the communication module. The ambient commerce system further includes a memory coupled to the processor. The memory stores processor-executable instructions which, when executed, cause the processor to: detect, based on an output of one or more of the sensors, an unauthenticated entity at an ambient commerce premises; receive, from a first independent trusted system and via the communication module, an indication that authentication has been performed by the first independent trusted system for the unauthenticated entity using a first authentication parameter; determine that the entity is an authenticated entity based on the indication that the authentication has been performed and at least a second authentication parameter; and perform an ambient commerce operation for the authenticated entity.