Abstract: Method and apparatus for predicting accommodation demand is disclosed. The method comprises a computer server obtaining transaction data representing past transactions performed by a plurality of consumers via a payment network, said transaction data comprising travel addendum data; estimating for each of the consumers, based on the travel addendum data, a respective future consumer location and associated time data indicative of a time when the consumer will be at the consumer location; and predicting the at least one accommodation demand in a location at least one future time based on the future consumer locations and the associated time data.

Abstract: A method for processing an offline transaction using local digital currency includes: receiving, by a receiving device of a payment instrument, a funding notification, the notification including a currency limit and associated transaction data; storing, in a memory of a payment instrument, the currency limit and associated transaction data; receiving, by the receiving device of the payment instrument, a transaction request for a payment transaction from a point of sale device, the request including at least a transaction amount; electronically transmitting, by a transmitting device of the payment instrument, a transaction response to the point of sale device, the response including an indication of approval and at least a portion of the associated transaction data; and executing, by a querying module of the payment instrument, a query on the memory of the payment instrument to update the currency limit based on the transaction amount.

Abstract: A method for verified data storage via blockchain includes: storing a blockchain comprised of a plurality of blocks, each comprised of a block header and a plurality of transaction values, the block header including a timestamp; receiving a transaction notification including an entity identifier and data values; validating the data values based on a validation notification received from a verifying entity; generating a new block header comprised of a current timestamp, a block reference value, and a transaction reference value, the block reference value being generated via hashing of the block header included in a most recent block based on the timestamp, and the transaction reference value being generated via hashing of new transaction values including the data values; generating a new block comprised of the generated new block header and the new transaction values; and transmitting the new block to a node associated with the blockchain.