Abstract: A system for Augmented Reality (AR) document generation receives a request to generate an AR document with a particular amount directed to a particular receiver. The AR document comprises an AR check. The system generates a unique code for the AR check by converting a name of a sender, a name of the particular receiver, the amount, and a serial number associated with the AR check into a hexadecimal format. The system generates the AR check by taking the unique code as an input and writing the name of the sender, name of the particular receiver, the amount, and the serial number on the AR check extracted from the unique code. The system transmits an image of the AR check to a computing device associated with the particular receiver.

Abstract: The present disclosure discloses a distributed consensus algorithm and apparatus for rapidly generating a block. The algorithm includes: broadcasting a new transaction to all nodes (S110); collecting, by each of the nodes, the new transaction into a block (S120); evaluating a trust value of each of the nodes to obtain an evaluation result (S130); selecting honest miners according to the evaluation result (S140); obtaining negotiation rules (S150); creating, by the honest miners, a new block according to the negotiation rules, and broadcasting the new block to all the nodes (S160); and when all transactions in the nodes are valid but do not take effect, receiving the new block and adding the new block to a blockchain (S170).

Abstract: Systems, methods, and computer-readable storage media of exchanging digital assets using a public key cryptography framework. One method includes storing a plurality of digital assets on an internal ledger, and receiving a signed exchange request signed by a private key of a public and private key pair associated with a digital asset on the internal ledger, wherein the signed exchange request includes a destination address of an inter-provider ledger. The method further includes providing, to the inter-provider ledger, a public key of the public and private key pair based on interfacing with the destination address of the inter-provider ledger via a first API, and determining, from the inter-provider ledger, the signed exchange request was verified. The method further includes updating the internal ledger by removing the public and private key pair, and updating a central ledger by interfacing with a central address of the central ledger via a second API.

Abstract: An example operation may include one or more of connecting, by a smart note, to a blockchain configured to store Bitcoins (BTCs) of a user on a ledger, displaying, by the smart note, a value of a BTC read from the ledger on a display screen located on the smart note, detecting, by the smart note, a press of a button located on the smart note, generating, by the smart note, a BTC address pair in response to the detecting of the press of the button, checking, by the smart note, if a private key associated with the smart note has been used, in response to a confirmation that the private key has not been used, generating and displaying, by the smart note, a trusted symbol indicating to the user of the smart note that the private key has not been used, and transferring, by the smart note, the value of the BTC to the blockchain using the private key associated with the smart note.

Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.

Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.

Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.

Abstract: Systems and methods for synchronous content viewing are provided. In embodiments, a method includes providing an interface to a user of a remote user device; receiving a user selection of one or more contacts of the user as invitees to a synchronized session; providing content synchronously to the remote user device of the user and other remote user devices of the respective one or more contacts of the user based on receiving an acceptance from the one or more contacts of the user, wherein the user and the one or more contacts of the user view the content synchronously during the synchronized session; and providing functions of an application to the participants synchronously, wherein the functions enable the participants to interact with the content in real-time during the synchronized session, and wherein all participants view interactions with the content simultaneously.

Abstract: A unit has a bottom surface, and first and second flange portions. A mounting plate has a first hook portion to be engaged with the first flange portion to control movement of the unit, having been mounted onto an upper plate surface, toward a front side in a depth direction and in a height direction; a second hook portion to be engaged with the second flange portion to control movement of the unit, having been mounted onto the upper plate surface, toward the front side in the depth direction and in the height direction; and a locking portion releasably engaged with the second flange portion to allow movement of the unit, being inserted or removed on the upper plate surface in the depth direction, and to control movement of the unit, having been mounted onto the upper plate surface, toward a rear side in the depth direction.

Abstract: A computer-implemented method for cloud-based management of payment devices includes connecting a point of interaction device (POI) to a terminal management engine (TME) through a computer network, downloading operating software for the POI and configuration files for the POI from the TME to the POI, initializing the POI using the operating software, and configuring the POI using the configuration files. An alternative computer-implemented includes connecting to a POI through a computer network, receiving a transaction request from a TMC through the computer network, confirming access to the POI, transmitting a request for consumer information to the POI, receiving requested consumer information from the POI, transmitting the requested consumer information to the TMC, receiving a transaction approval message or a transaction decline message from the TMC, and transmitting the transaction approval message or the transaction decline message to the POI.

Abstract: An information technology system taking the form of a management console, central server, point of sale system, software running on a point of sale system and software running on a customer's mobile phone. The software on the customer's mobile phone lets a customer interact with the point of sale system, allowing the customer to view a pending economic transaction, optionally add or remove items to the transaction, and pay for the transaction using payment information stored on the mobile phone.

Abstract: In some implementations, a terminal device may obtain exchange information associated with an exchange initiated at the terminal device. The exchange information may identify a medium used in the exchange. The terminal device may be configured to present a terminal-side user interface for performing a signing operation of the exchange. The terminal device may selectively obtain user information associated with the medium used in the exchange. The user information may identify a user device associated with the medium. The terminal device may transmit, to the user device and based on obtaining the user information, presentation information that identifies content for a user-side user interface for performing the signing operation at the user device. The terminal device may receive, from the user device, signing information associated with a performance of the signing operation at the user device via the user-side user interface.

Abstract: A reading system includes an evaluation value acquirer and a determining processor. The evaluation value acquirer is configured to acquire, with regard to a reading device configured to perform wireless communication with an electronic tag attached to each of one or more items by using a radio wave as a medium to read item information on each of one or more items, an evaluation value about at least one of: the number of times; a time interval; or a frequency, of reading the item information for each of at the one or more items. The determining processor is configured to determine, for each of the one or more items, whether or not each of the one or more items is an object to be read based on a change in the evaluation value over time.

Abstract: Disclosed embodiments may provide a framework to implement post-purchase tender switches. For example, following a transaction made with a particular payment instrument, a customer may be offered the ability to apply for a preferred payment instrument and/or to switch his or her tender type to the preferred payment instrument for the previous transaction.

Abstract: Computing systems and methods for facilitating mobile transactions are disclosed. An example method includes: detecting, via a hardware communication interface, a user check-in request based at least on a communication exchange between a user device and a signaling device at a location. The communication exchange corresponds to a proximity of the user device to the signaling device. The method further includes: determining a user identifier associated with the user device based at least on the user check-in request; and transmitting one or more promotional items to the user device based at least on the user identifier.

Abstract: An aerospace commerce exchange system may include a network, a plurality of clients operably coupled to the network, and an aerospace commerce exchange platform operably coupled to the network to provide exchange services to the clients. At least one of the clients may be operably coupled to the aerospace commerce exchange platform via an air-to-ground wireless communication link or satellite link (or other links with which an aircraft may be associated) to provide or receive data associated with at least one of the exchange services.

Abstract: A BLUETOOTH low energy mobile payments system may comprise a BLE beacon that is deployed at a merchant location. The BLE beacon may be associated with a specific merchant terminal. The BLE beacon may be configured to broadcast a unique beacon ID that is detectable by a user device. The user device may be configured to communicate the beacon ID to a payment system In response to receiving the beacon ID, the user device may initiate a payment between a user and a merchant, via a user device and a merchant terminal.

Abstract: Methods and systems described in this disclosure for protecting one or more consumer accounts. In one implementation, the system includes a security device and a portable computing device. The portable computing device detects whether it is in proximity to the security device. When the portable computing device is in proximity to the security device, one or more consumer accounts associated with the portable computing device is permitted to be used in a transaction. When the portable computing device is not in proximity to the security device, one or more consumer accounts is prevented from being used in the transaction.

Abstract: According to an aspect of an embodiment of the present disclosure, a method may include receiving a quick response (QR) code from a computing device, the QR code including a first entity identifier, and analyzing the QR code to determine a request to initiate a data transfer between a first entity associated with the first entity identifier and a second entity, and to determine one or more characteristics associated with the data transfer. The method may also include, based on the one or more characteristics, identifying a first QR code processing flow from multiple QR code processing flows to follow to process the data transfer, and verifying the first entity in the transaction based on the first entity identifier of the QR code and based on the first QR code processing flow. The method may also include processing the data transfer between the second entity and the first entity based on the first QR code processing flow.

Abstract: A system is described to authorize a transaction using blockchain technology. For example, a transaction authorization system comprises a point of sale (POS) device, a mobile device, and a payment blockchain. The POS device can initiate a transaction by scanning one or more items to be purchased and generating a code comprising a transaction identifier and a total cost of the one or more items. The mobile device can receive the code and can generate a token comprising the transaction identifier, total cost, a selected payment method identifier, and a value that can identify an account of a person associated with the mobile device. The token is sent to a payment blockchain to authorize the transaction.

Abstract: The invention relates generally to the processing of electronic payments that involve an payment instrument. A payment instrument reading device is paired with a payment initiating device to allow transaction information generated by the payment initiating device to be automatically transmitted to its associated payment instrument reading device. This means that rekeying of transaction information is not required. In some embodiments one or more beacons are provided in a premises, to allow the location of a mobile payment initiating device to be determined. This location is used to either direct the payment initiating device to a payment instrument reading device, or vice versa. Transaction data generated by the payment initiating device is automatically transmitted to the payment instrument reading device. A pairing module is also provided, which is configured to pair a payment instrument reading device with a payment initiating device.

Abstract: A computer-implemented method for prepaid card funding for sponsored purchases includes receiving a payment request for funding a sponsored purchase using a payment vehicle, deducting funds from a financial account associated with the payment vehicle, such that the financial account has a negative balance, and loading additional funds into the financial account associated with the payment vehicle, such that the financial account has a zero balance.

Abstract: A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. Each of the card frame and the transaction card may be capable of performing contactless data transactions individually. The combined assembly of the card frame with the transaction card secured in the receptacle is also capable of performing contact data transactions, and in some instances, with an identifier that is distinct from the card frame or the transaction card alone. The card frame may include a processor enabling it to perform data encryption and authentication of the smaller transaction card.

Abstract: A method for performing a card-to-card direct contactless transaction between a first active stored-value smart card (“SVSC”) and a second active SVSC, each comprising an active near-field communication (“NFC”) reader. The method may include activating the first active SVSC by receiving input of a personal identification number (“PIN”) on a keypad located on the first active SVSC, verifying the PIN and further receiving input of a transaction amount on the keypad. The method may further include initiating a wireless NFC communication to perform the transaction by positioning the first active SVSC within a pre-determined distance to the second active SVSC and confirming accuracy of each of the first and second active SVSC using the active NFC reader to retrieve card ID data and confirm accuracy. Following confirming, the method may include directly completing the transaction between the first active SVSC and the second active SVSC.

Abstract: Systems and methods for dynamic inclusion of enhanced data in transactions are disclosed. According to another embodiment, in an information processing apparatus comprising at least one computer processor, a method for conducting a mobile wallet payment with dynamic enhanced data using a mobile payment application may include: (1) receiving, from a merchant point of transaction device, a transaction request from a mobile payment application executed by a mobile electronic device, the transaction request comprising a unique identifier for a financial instrument provisioned to a mobile wallet computer application and a payment option selection; and (2) processing the transaction request according to the payment option selection.

Abstract: A transaction card includes a near-field communication (NFC) component, a security component, a wireless component, one or more memories, and one or more processors communicatively coupled to the one or more memories. The device receives a signal from a user device attempting to access a secure application, and energizes the NFC component based on the signal received from the user device. The device causes the security component to generate an encrypted code based on the NFC component being energized, and provides, via the security component, the encrypted code to the wireless component. The device provides, via the wireless component, the encrypted code to the user device to permit the user device to utilize the encrypted code as authentication for accessing the secure application.

Abstract: Aspects of the disclosure relate to storing sensitive information. A computing platform may split a signature key into shares, which may be used to regenerate the signature key. The computing platform may encrypt these shares using corresponding SEKs, and may subsequently encrypt the SEKs using corresponding operator keys. The computing platform may distribute the operator keys to user devices via corresponding HSMs. The computing platform may store the encrypted shares, encrypted SEKs, and identifiers of the user devices. The computing platform may receive requests for the encrypted SEKs from the user devices, and may send the respective encrypted SEKs accordingly. The user devices may return, to the computing platform, corresponding decrypted SEKs. The computing platform may use the SEKs to decrypt the encrypted shares, which may then be used to reconstruct the signature key.

Abstract: A system and method for online transactions using cryptographic digital tokens is disclosed. The system includes multiple interconnected transaction servers having corresponding digital ledgers. Each interconnected transaction server may include computer modules to facilitate establishment of a digital contract, generation of a smart contract and a cryptographic digital token corresponding to the digital contract, and storage of the digital contract, the smart contract, and the cryptographic digital token. The computer modules may also facilitate execution of the smart contract and transfer of the cryptographic digital token from a buyer to a seller. The method includes establishing the digital contract, generating the smart contract and the cryptographic digital coin corresponding to the digital contract, and storing the digital contract, the smart contract, and the cryptographic digital coin.

Abstract: Disclosed is a method of reducing smart contract fees for a decentralized application (DApp). A parameter of a request reception event and a public key of a user are stored in a task queue of a computation server. The computation server performs a task requested by the user, calls a state change function for the performed task from a smart contract, and transmits a transaction result to the user when the transaction result is returned. The user pays, to the smart contract, a fee corresponding to the generation of the request reception event, and the computation server pays, to the smart contract, a fee corresponding to a state change of the smart contract. Thus, by minimizing and uniformizing a fee to be paid by a user of a DApp system, it is possible to increase accessibility to a corresponding DApp.

Abstract: In some examples, a mobile card reader includes a card interface to read information from a card, an interface to enable the mobile card reader to communicate with a mobile device, and a processor configured to send security related information of the mobile card reader to an application executing on the mobile device. The security related information may be for transmission by the mobile device to a remote server system. The mobile card reader may receive, from the application, an indication that the application has been validated by the remote server system based on validation of the security related information of the mobile card reader and security related information of the application. In response, the mobile card reader generates a secure session key with which to carry out encrypted communication between the application and the mobile card reader.

Abstract: A payment device such as electronic transaction card or an near field communication device can use a temporary token for payment transactions. When processing a payment transaction, the temporary token is provided to a server of the issuer of the payment device, which can authorize the payment transaction and determine if the temporary token can be used for a subsequent transaction. If the server determines that the temporary token cannot be used for another transaction, the server provides the payment device with a new temporary token and an issuer script. When the payment device receives the issuer script, the payment device can execute the issuer script to store the new temporary token on the payment device.

Abstract: The invention relates to distributed ledge technologies such as consensus-based blockchains. Methods for causing an injection of a serialized previous transaction into a locking script are described. The invention is implemented using a blockchain network, which may be, for example, a Bitcoin blockchain. A first transaction to validate is received at a node in a blockchain network, with the first transaction including a first script. The first script, as a result of being executed, causes the node to at least obtain a first set of field values corresponding to the first transaction and obtain a second set of field values corresponding to a particular transaction. A second transaction is obtained, with the second transaction having been validated and including a second script.

Abstract: A settlement system includes a service provider device 2 which transmits a template information transaction including a template of a transaction to a network 4 of a first blockchain, a user device which transmits, to the network 4 of the first blockchain, a payment information transaction that includes an electronic signature generated by using the template of the transaction and a payment amount, and a smart contract 41, wherein the smart contract 41 verifies the electronic signature by using the payment amount and the template of the transaction, the service provider device 2 generates a settlement transaction by using the template of the transaction, the electronic signature and the payment amount, and transmits the settlement transaction to a network 3 of a second blockchain, a plurality of output conditions are set to the template of the transaction, and the settlement transaction becomes usable when any one of the plurality of output conditions is satisfied.

Abstract: The disclosure is related to injection of a serialized set of field values of an unlocking transaction into a locking script, such as for distributed ledge technologies and consensus-based blockchains. A first transaction to validate is received at a node in the blockchain network. The first transaction includes a first script that includes a set of field values of the first transaction and, as a result of being executed, causes the node to obtain a set of field values. A second transaction is obtained, with the second transaction having been validated. The second transaction includes a second script that, as a result of being executed, causes the node to generate a signature based at least in part on the set of field values supplied as a result of execution of the first script. The first transaction is validated by execution of the first script and the second script.

Abstract: A device implementing a system to associate a user account with a content output device includes at least one processor configured to receive an invitation to access content associated with a first user account on another device associated with a second user account, the other device being connected to a local area network. The at least one processor is further configured to send, to a server, a request for authorization to access the content associated with the first user account on the other device associated with the second user account, the request comprising information included with the invitation, and to receive, from the server, the authorization to access the content. The at least one processor is further configured to access, based at least in part on the authorization, the content associated with the first user account on the other device associated with the second user account.

Abstract: A method for processing a potentially fraudulent electronic payment transaction includes: receiving a first fraud detection rule configured to identify a potentially fraudulent electronic payment transaction; storing the first fraud detection rule in a fraud rules database; receiving a transaction request message; generating and storing a first case record associated with the first transaction in a case management database; receiving an updated fraud detection rule superseding the first fraud detection rule; applying the updated fraud detection rule to the first transaction to determine whether the first transaction does not satisfy the at least one updated fraud detection rule; and deleting the first case record from the case management database before the first transaction is further analyzed for fraud.

Abstract: Enhanced authentication at resource event apparatuses of a card device and, in some instances, the user of the card device. Card device-specific Non-Fungible Tokens (NFTs) are generated and, in some instance, user credential-specific NFTs are generated. The NFTs are stored within a distributed ledger of a distributed trust computing network, which provides verification as the uniqueness and authenticity of the NFTs. Once a resource event is initiated at a resource event apparatus, card device-related information and, in some instance, user credential-related information is received, and the information is compared to the corresponding NFT as a means of authenticating the card device and, in some instances, the card device and the linked user of the card device. As a result, the use of imitation card devices is prevented and, in some instances, the identity of the user of the card device is authenticated and deemed to be linked to the card device.

Abstract: A computer system includes a token repository configured to store payment tokens, and a server system. The server system includes a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to receive a request to provision a payment token based on a financial product, wherein the request includes information related to the financial product, provision a payment token based on the token request, including authenticating the financial product based on the financial product information and generating the payment token upon authenticating the financial product, wherein the payment token is useable to make a payment via the financial product, and store the payment token in the token repository.

Abstract: Support queries are automatically provided. An error is identified during execution of an application. A support query for the error is produced using the source code for the application with the support query including context information for the error. The support query is displayed to a user.

Abstract: Concepts and technologies disclosed herein are directed to interpretation workflows for machine learning-enabled event tree-based diagnostic and customer problem resolution. According to one aspect, a system can receive a workflow construction specification derived from a machine learning-enabled event tree (“MLET”). The MLET can be generated for use by a customer service agent to resolve a customer problem. The workflow construction specification can include a plurality of objects, each of which represents a navigation path through the MLET. The system can traverse the workflow construction specification and can create a set of workflow creation commands based upon at least one policy. The system can generate a workflow visualization interpretation file based upon the set of workflow creation commands. The workflow visualization interpretation file can identify how the MLET derived a root cause of the customer problem.

Abstract: An authentication system and authentication method for an electronic cigarette and an electronic cigarette configured to be connected within such system so that the authentication method can be applied to the electronic cigarette. The system can be divided into 3 main components, namely the electronic cigarette itself, a mobile terminal in communication with the electronic cigarette and reading a security label from the electronic cigarette, and a service terminal connected to the mobile terminal, for instance through the cloud. The system and method protects particularly from counterfeit cartridges and secures that a cartridge of the intended content is connected in the electronic cigarette. In addition, age verification can be performed.

Abstract: A method and system for incentivized neural network training and assurance processes provides incentives to object miners to identify objects in video streams for the purposes of enhancing the training of computer-implemented neural networks on the identified objects and/or augmenting the results of automatic object identification by trained neural networks. An object mining user interface and process is provided to object miners that provides incentives for identifying objects in video streams and technical capabilities for designating identified objects within multiple multi-dimensional regions of pixels. Incentives may be token-based and in accordance with end user interactions within a visual user interface with representations of the miner-identified objects within a video stream.

Abstract: Computer implemented sales prediction system collects data relating to events of visitors showing an interest in a client company from plural data sources, an organization module which organizes collected data into different event types and separates collected event counts in each event type between non-recent and recent events occurring within a predetermined time period, a first processing module which periodically calculates weighting for each event type based on recent and non-recent events for the event type compared to totals for other selected event types, a second processing module which periodically calculates sales prediction scores for each visitor and companies with which visitors are associated based on accumulated event data and weighting, and a reporting and data extract module which is configured to detect variation in sales prediction scores over time to identify spikes which can predict upcoming sales and to provide predicted sales information and leads to the client company.

Abstract: Provided are an image processing system, an image processing method, and a program that can provide recommendation information according to a disposable income estimated on the basis of an analysis result of an image group. The image processing system, the image processing method, and the program include recognizing an object of an analysis target image of a user (44), converting information on the object into disposable income range information of the user (50), acquiring accessory information including imaging date information of the analysis target image, and deriving an appearance frequency of the object on the basis of the imaging date information (52), deriving a weighting coefficient on the basis of the appearance frequency information of the object (54), estimating the disposable income of the user using the disposable income range information and the weighting coefficient (56), and transmitting recommendation information corresponding to the disposable income of the user (58).

Abstract: Computer systems and methods for interfacing with a third party website, comprising determining that a webpage of the third party website is being output in an interface of a web browser, and in response, generating an interface element that at least partially overlaps the webpage in the interface. The interface element includes a user-selectable graphical trigger that, when selected, causes digital codes to be automatically input into a data entry interface identified in the webpage, thereby triggering the third party website to receive each of the digital codes and to return a respective response. Based on monitoring the respective response to each of the digital codes, a particular digital code is identified that causes a greatest change in a numerical value displayed in the webpage. The particular digital code is applied to obtain a resulting numerical value that is displayed in the webpage.

Abstract: An open loop cashless payment system incents a consumer account holder to transact in a physical store with a merchant who agrees to make an auditable donation to a charity when the transaction is conducted on an account issued to the consumer account holder. The consumer account holder may direct the donation to a specific charity within a predetermined geographically determined community where the transaction was physically conducted. The consumer account holder can register an obligation to make a donation matching that of the merchant, where the consumer account holder's donation is initially paid by the consumer account's issuer for reimbursement by the consumer account holder to the issuer after the consumer account holder receives their account statement. The merchant's acquirer, the issuer, and a transaction handler for the issuer and acquirer may also make donations as directed by the consumer account holder.

Abstract: A computational approach is proposed herein for controlling a user interface for rendering of interactive graphical control elements representing offers and coupons that are inserted into a computational payment process. In particular, the offers and coupons can interact with stored payment information resident (or tokens thereof) on a digital wallet data structure. The approach can be implemented as a computing system, a computing method operable on a computing system, or a computer program product affixed in the form of a non-transitory computer readable medium storing machine-interpretable instructions.

Abstract: Methods and systems for managing loyalty programs using a decentralized blockchain are provided. Transactions between users and a merchant are monitored via an application programming interface (API) of a service provider. Based on the monitoring, it may be determined that at least one of the users has satisfied reward criteria for a loyalty program associated with the merchant. The loyalty program includes a plurality of tokens to be distributed to users who satisfy the reward criteria configured by the merchant via a merchant interface. At least one token from among the plurality of tokens may be selected for the user, based on at least one smart contract associated with the merchant. The smart contract is stored on the blockchain in association with a unique identifier for the merchant. A transaction is broadcasted to the decentralized blockchain for transferring the at least one token to a digital wallet of the user.

Abstract: The present disclosure provides a multi-tenant loyalty platform for selective configuration of loyalty programs in a multi-tenant environment. An example platform comprises a processor and a memory storing instructions which, when executed by the processor, configure the multi-tenant loyalty platform to: cause presentation of loyalty program options to a first tenant in a multi-tenant environment; receive, from the first tenant, first order data relating to a selected program configuration; cause presentation of loyalty program options to a second tenant; receive, from the second tenant, second order data different from the first order data; store the first and second order data in a loyalty program data structure that includes loyalty program rules specific to each of the first and second tenants and the respective first and second loyalty programs; and configure the first and second loyalty programs using data stored in the loyalty program data structure.

Abstract: A point applying unit associates a predetermined point according to a type of regular purchase contract with user identification information according to a contractual user, for each predetermined period; a number-of-points information storage unit stores number-of-points information representing the number of points for each reward, in a plurality of providable rewards; a selection information acquisition unit retrieves selection information that is associated with the user identification information and represents a selected reward of the plurality of rewards; and a reward management unit enables the selected reward to be used, based on the user identification information, in a case where the total number of points are set by the selection information retrieved by the selection information acquisition unit and the number-of-points information in the number-of-points information storage unit and are associated with the selected reward has a predetermined relationship with the predetermined point associated b