Abstract: A computer-implemented method including maintaining information about digital assets in relation to a first wallet account; generating, using a machine learning model, a reward configuration to be associated with a user account, the model trained based at least in part on transaction activity associated with the user account; processing a payment for a point-of-sale (POS) transaction using a payment instrument associated with the user account; determining, based on an amount of the payment and the reward configuration, an amount of the digital assets to be distributed to the user account wherein the amount of the digital assets is based on a value of the digital assets at a time of the POS transaction; and updating, after the POS transaction, an internal ledger maintained by the payment service and associated with the first wallet account to assign the digital assets to a second wallet account associated with the user account.

Abstract: Blockchain supported resource transfer communication protocol techniques are described. In an implementation, a semantic message is received encoding parameters to be implemented as part of a resource transfer involving a digital wallet. A quote is generated specifying attributes as part of implementing communication connections to perform the resource transfer in compliance with the parameters specified by the semantic message. An acceptance message is received indicating acceptance of the quote, the acceptance message including credentials of the digital wallet. Generation is initiated of an application executable as part of a blockchain as complying with the parameters and the attributes. Data describing the application as executable as part of the blockchain is transmitted for distribution to the digital wallet. The resource transfer is initiated through execution of the application as part of the blockchain.

Abstract: A computer-implemented method including storing assets from an external entity in a first wallet of a payment service; training a machine-learning model using transaction data, user data, and/or rewards data; determining, using the machine-learning model, reward offers personalized for a user; activating a reward offer; receiving a request to process payment for a user's payment transaction; determining that a reward configuration is applicable; determining an amount of stored assets to assign to the user and assigning the assets to a second wallet of the user, wherein assigning the amount comprises: updating, using an internal ledger, the first wallet to indicate that a portion of the stored assets is owned by the user; and updating the second wallet to indicate ownership of the amount of the asset, wherein the updating of the first wallet and the second wallet is performed without accessing the external entity when updating.

Abstract: Blockchain supported resource transfer communication protocol techniques are described. In an implementation, a semantic message is received encoding parameters to be implemented as part of a resource transfer involving a digital wallet. A quote is generated specifying attributes as part of implementing communication connections to perform the resource transfer in compliance with the parameters specified by the semantic message. An acceptance message is received indicating acceptance of the quote, the acceptance message including credentials of the digital wallet. Generation is initiated of an application executable as part of a blockchain as complying with the parameters and the attributes. Data describing the application as executable as part of the blockchain is transmitted for distribution to the digital wallet. The resource transfer is initiated through execution of the application as part of the blockchain.

Abstract: A computer-implemented method associated with a payment service provided by a payment server, comprising processing, by the payment server, a payment for a point-of-sale (POS) transaction using a payment instrument associated with a user account maintained in a data store of the payment server. The payment server determines a reward configuration stored in the user account, wherein the reward configuration includes settings to reward the user account with cryptocurrency assets and is based on historical transaction activity associated with the user account. The payment server calculates an amount of cryptocurrency assets according to the reward configuration, wherein the amount of the cryptocurrency assets is based on a value of the cryptocurrency at a time of the transaction. The payment server assigns the amount of cryptocurrency assets from a cryptocurrency wallet of the payment service to a cryptocurrency wallet of the user.

Abstract: An example computer-implemented method includes: receiving assets from an external entity for use with a payment service; receiving a request to process payment for a transaction associated with a user; determining that a reward configuration is associated with a user account of the user; determining, based on a characteristic of the transaction and the reward configuration, an amount of the assets to assign to the user in association with the transaction; and assigning the amount of the assets to a wallet of the user, wherein assigning the amount of the assets includes: updating, using an internal ledger, a wallet of the payment service to indicate that the amount of the assets is owned by the user; and updating the wallet of the user to indicate ownership of the amount of the assets, without accessing the external entity at the time of the updating.

Abstract: A computer-implemented method associated with a payment service provided by a payment server, comprising processing, by the payment server, a payment for a point-of-sale (POS) transaction using a payment instrument associated with a user account maintained in a data store of the payment server. The payment server determines a reward configuration stored in the user account, wherein the reward configuration includes settings to reward the user account with cryptocurrency assets and is based on historical transaction activity associated with the user account. The payment server calculates an amount of cryptocurrency assets according to the reward configuration, wherein the amount of the cryptocurrency assets is based on a value of the cryptocurrency at a time of the transaction. The payment server assigns the amount of cryptocurrency assets from a cryptocurrency wallet of the payment service to a cryptocurrency wallet of the user.