Abstract: Systems and methods for frictionless payments in Web 3.0 and the Metaverse are disclosed. A method may include a buyer bot: monitoring a buyer interaction with a merchant of a digital collectable via a buyer vault/digital wallet, the digital collectable having a cryptocurrency price in a cryptocurrency; determining a fiat currency price in a fiat currency for the cryptocurrency price; receiving, from the buyer vault/digital wallet, conformation of a purchase of the digital collectable at the fiat currency price; executing payment for the digital collectable in the fiat currency at the fiat currency price; transforming the payment in the fiat currency to a digital collectable concierge service designated account; engaging a fiat-to-crypto on-ramp to convert the fiat currency to the cryptocurrency; and providing the payment in the cryptocurrency to a digital collectable smart contract that mints or delivers the digital collectable to the buyer.

Abstract: Global layer 1 programmable ledgers are disclosed. According to an embodiment, a global layer 1 programmable ledger may include: a plurality of nodes comprising a shared capabilities and components tier comprising foundational applications and functional applications, and a financial institution applications tier comprising financial institution application, wherein the global layer 1 programmable ledger is part of a distributed ledger network; and each of the plurality of nodes is associated with a participant of a distributed ledger network, and each participant is configured to access the foundational applications and functional applications and the financial institution applications.

Abstract: Disclosed examples generally relate to a fabric-like smart hernia plug and method of using thereof. In some examples, the hernia plug comprises an expandable mesh portion formed of a smart memory alloy (SMA), wherein the mesh portion is transformable between a compressed pre-activated state and an expanded post-activated state, the mesh portion comprising a plurality of open cells surrounded by struts formed of the SMA.

Abstract: Systems and methods for state machine driven programmable payments are disclosed. A method may include: defining a plurality of base state machines; storing definitions for the plurality of base state machines; receiving, via a user interface, a programmable payment instruction (“PPI”) from a user comprising a PPI definition of a PPI trigger, a PPI condition, and a PPI action; dynamically linking a state in one of the plurality of base state machines to the PPI definition; storing the PPI definitions; receiving a payment instruction; identifying, from the payment instruction, a base state machine and the PPI instruction linked to the payment instruction; creating a PPI-specific state machine definition for the PPI instruction linked to the payment instruction; and instantiating a PPI-specific state machine for the PPI-specific state machine definitions. The PPI-specific state machine calls one of the plurality of base state machines to execute portions of the payment instruction.

Abstract: A method may include: a distributed application on a digital banking and payment platform receiving, via an API, a reserve funds instruction from a first transaction party to hold a balance in a blockchain deposit account, the reserve funds instruction comprising a reserve hold amount; the distributed application validating the reserve funds instruction; the distributed application generating a blockchain transaction payload for the reserve funds instruction; the distributed application submitting the blockchain transaction payload to a smart contract that maintains a distributed ledger, validates that the blockchain deposit account has available funds sufficient for the reserve hold amount, and creates a reserve funds hold on the reserve hold amount in the blockchain deposit account; the distributed application receiving, in response to a successful reserve funds hold, a confirmation event from the smart contract; and the distributed application generating a first reserve identifier for the reserve funds hol

Abstract: Systems and methods for space-based transactions are disclosed. A method for conducting a space-based transaction may include: (1) a first space-based device determining that it is incapable or will be incapable of providing the service; (2) the first space-based device identifying a second space-based device; (3) the first space-based device requesting capability information for the second space-based device; (4) the first space-based device that the second space-based device is capable of providing the service based on the capability information; and (5) the first space-based device executing a transaction with the second space-based device, wherein the first space-based device pays the second space-based device for the service by transferring payment from an electronic wallet for the first space-based device to an electronic wallet for the second space-based device on the distributed ledger network, and the second space-based device provides the service to the user.

Abstract: Systems and methods for one-click payments are disclosed. A method may include a backend for a financial institution: receiving, from a user electronic device, enrollment of a user in a payments process; generating a token comprising an identification of an API exposed to the backend; communicating the token to the user electronic device; receiving, from a content provider, enrollment of the content provider in the payments process; receiving, at the API, an identifier for the content provider, a cost for content provided by the content provider, and the user identifier; transferring the cost from the user account to the content provider account; and notifying the content provider of completion of the transfer, wherein the content provider is configured to make the content available to the user electronic device after completion of the transfer.

Abstract: Systems and methods for space-based transactions are disclosed. A method for conducting a space-based transaction may include: (1) a first space-based device determining that it is incapable or will be incapable of providing the service; (2) the first space-based device identifying a second space-based device; (3) the first space-based device requesting capability information for the second space-based device; (4) the first space-based device that the second space-based device is capable of providing the service based on the capability information; and (5) the first space-based device executing a transaction with the second space-based device, wherein the first space-based device pays the second space-based device for the service by transferring payment from an electronic wallet for the first space-based device to an electronic wallet for the second space-based device on the distributed ledger network, and the second space-based device provides the service to the user.

Abstract: Systems and methods for token-based cross-currency interoperability are disclosed. In one embodiment, in a first financial institution information processing apparatus comprising at least one computer processor, a method for conducting a token-based cross-currency transaction may include: (1) receiving, from a first party, a transaction initiation request for a transaction amount to a second party; (2) deducting the transaction amount from a fiat currency account for the first party; (3) creating a token amount of tokens for the transaction amount; (4) writing the token amount to a distributed ledger; and (5) transferring the token amount of tokens to a second financial institution for the second party.

Abstract: Global layer 1 programmable ledgers are disclosed. According to an embodiment, a global layer 1 programmable ledger may include: a plurality of nodes comprising a shared capabilities and components tier comprising foundational applications and functional applications, and a financial institution applications tier comprising financial institution application, wherein the global layer 1 programmable ledger is part of a distributed ledger network; and each of the plurality of nodes is associated with a participant of a distributed ledger network, and each participant is configured to access the foundational applications and functional applications and the financial institution applications.

Abstract: In some aspects, the techniques described herein relate to a method including: providing, on a peer-to-peer distributed network, an aggregation server; implementing, at a first node of the peer-to-peer distributed network, a machine learning (ML) model, wherein the ML model is trained on a first private data set; sending the ML model to the aggregation server; replicating the ML model to a second node of the peer-to-peer distributed network, wherein the ML model is retrained on a second private data set to generate a retrained model; sending the retrained model to the aggregation server; aggregating the ML model and the retrained model to generate an aggregated model; and replicating the aggregated model to the first node of the peer-to-peer distributed network, wherein the ML model is promoted to a production model at the first node of the peer-to-peer distributed network.

Abstract: The present disclosure describes techniques for managing peer to peer laundry service. The techniques include the step of receiving a request for obtaining laundry service from a customer, extracting pickup/drop location from the request, broadcasting the request to one or more laundry service providers located within a predetermined distance from the pickup/drop location, selecting a laundry service provider from the one or more laundry service providers based on one or more parameters, and transmitting a message to the selected laundry service provider for picking up one or more items for laundry from the pickup/drop location. The selected laundry service provider delivers the one or more items at the pickup/drop location after the laundry service is finished. Thus, the techniques facilitate peer to peer or individual to individual laundry service which empowers an individual to become a laundry service provider.

Abstract: Systems and methods for using single or multi-chain deposit tokens are disclosed. According to an embodiment, a method for deposit tokenization may include: (1) receiving, by a deposit tokenization service for a token issuer and from an authorized party, an instruction for tokenizing an amount of non-tokenized funds in a deposit account; (2) verifying, by the deposit tokenization service, an identity of the authorized party using a verifiable credential; (3) screening, by the deposit tokenization service and using an information oracle, the deposit account and/or the verifiable credential; (4) debiting, by the deposit tokenization service, the deposit account for the amount and crediting the amount to an omnibus account; (5) tokenizing, by the deposit tokenization service, the amount of the non-tokenized funds on a blockchain network as deposit tokens; and (6) crediting, by the deposit tokenization service, a wallet address on the blockchain network with the deposit tokens.

Abstract: Systems and methods for space-based transactions are disclosed. A method for conducting a space-based transaction may include: (1) a first space-based device determining that it is incapable or will be incapable of providing the service; (2) the first space-based device identifying a second space-based device; (3) the first space-based device requesting capability information for the second space-based device; (4) the first space-based device that the second space-based device is capable of providing the service based on the capability information; and (5) the first space-based device executing a transaction with the second space-based device, wherein the first space-based device pays the second space-based device for the service by transferring payment from an electronic wallet for the first space-based device to an electronic wallet for the second space-based device on the distributed ledger network, and the second space-based device provides the service to the user.

Abstract: Systems and methods for space-based transactions are disclosed. A method for conducting a space-based transaction may include: (1) a first space-based device determining that it is incapable or will be incapable of providing the service; (2) the first space-based device identifying a second space-based device; (3) the first space-based device requesting capability information for the second space-based device; (4) the first space-based device that the second space-based device is capable of providing the service based on the capability information; and (5) the first space-based device executing a transaction with the second space-based device, wherein the first space-based device pays the second space-based device for the service by transferring payment from an electronic wallet for the first space-based device to an electronic wallet for the second space-based device on the distributed ledger network, and the second space-based device provides the service to the user.

Abstract: Systems and methods for frictionless payments in Web 3.0 and the Metaverse are disclosed. A method may include a buyer bot: monitoring a buyer interaction with a merchant of a digital collectable via a buyer vault/digital wallet, the digital collectable having a cryptocurrency price in a cryptocurrency; determining a fiat currency price in a fiat currency for the cryptocurrency price; receiving, from the buyer vault/digital wallet, conformation of a purchase of the digital collectable at the fiat currency price; executing payment for the digital collectable in the fiat currency at the fiat currency price; transforming the payment in the fiat currency to a digital collectable concierge service designated account; engaging a fiat-to-crypto on-ramp to convert the fiat currency to the cryptocurrency; and providing the payment in the cryptocurrency to a digital collectable smart contract that mints or delivers the digital collectable to the buyer.

Abstract: Systems and methods for token-based cross-currency interoperability are disclosed. In one embodiment, in a first financial institution information processing apparatus comprising at least one computer processor, a method for conducting a token-based cross-currency transaction may include: (1) receiving, from a first party, a transaction initiation request for a transaction amount to a second party; (2) deducting the transaction amount from a fiat currency account for the first party; (3) creating a token amount of tokens for the transaction amount; (4) writing the token amount to a distributed ledger; and (5) transferring the token amount of tokens to a second financial institution for the second party.

Abstract: Various methods, apparatuses/systems, and media for accessing data in real time are provided. A plurality of data sources are provided, each including various data corresponding to a user's account held and managed by an institution. A processor implements API connectivity to connect a user's system of choice to each of the plurality of data sources. A receiver receives user's login data associated with the user's account from the user's system of choice. The processor accesses data corresponding to the user's account in real time from the plurality of data sources via the API connectivity; and causes a GUI of the user's system of choice to display the data in real time.

Abstract: Systems and methods for token-based cross-currency interoperability are disclosed. In one embodiment, in a first financial institution information processing apparatus comprising at least one computer processor, a method for conducting a token-based cross-currency transaction may include: (1) receiving, from a first party, a transaction initiation request for a transaction amount to a second party; (2) deducting the transaction amount from a fiat currency account for the first party; (3) creating a token amount of tokens for the transaction amount; (4) writing the token amount to a distributed ledger; and (5) transferring the token amount of tokens to a second financial institution for the second party.

Abstract: Systems and methods for one-click payments are disclosed. A method may include a backend for a financial institution: receiving, from a user electronic device, enrollment of a user in a payments process; generating a token comprising an identification of an API exposed to the backend; communicating the token to the user electronic device; receiving, from a content provider, enrollment of the content provider in the payments process; receiving, at the API, an identifier for the content provider, a cost for content provided by the content provider, and the user identifier; transferring the cost from the user account to the content provider account; and notifying the content provider of completion of the transfer, wherein the content provider is configured to make the content available to the user electronic device after completion of the transfer.