Abstract: A method includes initiating, by a payor computing device, a financial transaction to send payment of a particular amount to a payee computing device using a first cryptocurrency. The payee computing device accepts a desired currency. The method further includes placing a hold on an amount of collateral cryptocurrency based on a request to process the financial transaction. The method further includes sending, by the payor computing device, a first amount of the first cryptocurrency equal to the particular amount to the cryptocurrency acceptance network computing device, converting, by a cryptocurrency exchange device, the first amount of the first cryptocurrency to an amount of the desired currency equal to the particular amount, and sending the amount of the desired currency to a payee banking computing device. The method further includes seeking a desired number of confirmations of the first amount of the first cryptocurrency from a consensus network.

Abstract: A method includes receiving a request regarding an exchange item that is associated with a computing device. The method further includes generating first dynamic exchange item information based on static exchange item information. The method further includes generating a first verification code based on the first dynamic exchange item information and the request. The method further includes sending the first verification code to the computing device. The method further includes receiving a computer ID and a reply code. The method further includes determining whether the computer ID matches the static owner ID. When the computer ID matches the static owner ID and the reply code corresponds to the first verification code, sending the first dynamic exchange item information to the computing device. When the computer ID does not match the static owner ID or the code does not match the first verification code, deleting the first dynamic exchange item information.

Abstract: A method includes receiving a request from a computing device requesting that a digital wallet rendered by a digital wallet application executed on the computing device be recognized and accepted within a secure and trusted data communication system for purposes of financial transactions using a first cryptocurrency. The method further includes verifying that the first cryptocurrency is a valid form of cryptocurrency in accordance with a validation protocol. When the first cryptocurrency is valid, the method further includes establishing a per unit value of the first cryptocurrency based on a per unit value of a known and trusted cryptocurrency of the system, obtaining a set of units of collateral cryptocurrency for a plurality of units of first cryptocurrency based on the established per unit value of the first cryptocurrency, and storing the set of units of collateral cryptocurrency in a secure stake pool for transactions utilizing the first cryptocurrency.

Abstract: A method includes storing, by a secure data conveyance device, a certified data object for a user computing device. The method further includes receiving a request from the user computing device that at least a portion of the certified data object be conveyed to a target computing entity. When authenticated, the method further includes data translating the at least a portion from a first data representation into a universal data representation, sending the universal data representation to a trusted data securing device, and data translating the universal data representation into a specific data representation. The method further includes sending the specific data representation to the secure data conveyance device, where the secure data conveyance device adds an expiration time frame and forwards it to user computing device. The method further includes conveying, by the user computing device, the specific data representation with the expiration time frame to target computing entity.

Abstract: A method includes receiving a request regarding an exchange item that is associated with a computing device. The method further includes generating first dynamic exchange item information based on static exchange item information. The method further includes generating a first verification code based on the first dynamic exchange item information and the request. The method further includes sending the first verification code to the computing device. The method further includes receiving a computer ID and a reply code. The method further includes determining whether the computer ID matches the static owner ID. When the computer ID matches the static owner ID and the reply code corresponds to the first verification code, sending the first dynamic exchange item information to the computing device. When the computer ID does not match the static owner ID or the code does not match the first verification code, deleting the first dynamic exchange item information.

Abstract: A method includes a user device computing sending a use request regarding an exchange item to a merchant computing device. The method further includes the merchant computing device sending information representing the use request to a marketplace server. The method further includes the marketplace server identifying a user computing device that is associated with the exchange item. The method further includes the marketplace server generating a use verification code and sending it to the identified user computing device. When the user computing device is the identified user computing device, the method further includes the user computing device receiving the use verification code and sending to the merchant computing device. The method further includes the merchant computing device sending information representing the use verification code to the marketplace server.

Abstract: Disclosed are the methods and systems for transferring value from as first account to a second account via a consumer device. The methods may be consumer or merchant driven and may involve transferring value to peers, oneself, or a third party account holder with or without the creation of a user account. Based on information input by a user, various financial systems interact in a manner that results in creation of an escrow account and effectuates transfer of value from a funding account through that escrow account to a receiving account. Such novel methods allow for previously unavailable transfers of value. In certain embodiments, the methods and systems also encompass creation of a digital equivalent of the value and using the digital equivalent to make payments at as point of service.