Abstract: A data processing method, an apparatus, a device, and a medium in a blockchain fund settlement system are provided. A data processing method in a blockchain fund settlement system, performed by at least one processor of a settlement institution terminal, includes: querying, on a blockchain, a settlement request that is to be processed by the settlement institution terminal between a fund settlement initiator and a fund settlement recipient, the settlement request being generated by an initiator terminal of the fund settlement initiator and recorded on the blockchain; receiving the settlement request based on the querying; and generating a settlement result of a settlement performed according to the settlement request, and recording the settlement result on the blockchain.

Abstract: An example computing platform is configured to receive a request from a first user account of a first P2P payment service that a cross-service transaction be initiated with another user account of another P2P payment service. Based on the request, the computing platform generates a transaction identifier for the transaction and sends the identifier to the first P2P payment service's platform. Thereafter, the computing platform receives, from a second P2P payment service's platform, the transaction identifier and an identifier of a second user account of the second P2P payment service and responsively determines that the cross-service transaction comprises a transfer of funds between a first financial account associated with the first user account and a second financial account associated with the second user account. The computing platform then selects and causes a given payment rail platform to transfer funds between the first and second financial accounts.

Abstract: Systems and methods for identifying malicious cryptographic wallet addresses are disclosed. The systems and methods can receive a first plurality of tokens and an indication of a potentially malicious cryptographic wallet address from a requesting user. The system can identify a plurality of associated wallet addresses, and compare the associated wallet addresses to a stored list of malicious cryptographic wallet addresses. The system can determine a subset of the identified associated cryptographic wallet addresses that are malicious and assign a maliciousness rating to the potentially malicious cryptographic wallet address. The system can provide the maliciousness rating to the requesting user.

Abstract: A card having an antenna, one or processors, and memory having stored thereon a first application and a second application configured to receive an input of the card and determine a request associated with the input. The card is further configured to activate, responsive to determining that the request is consistent with a contactless EuroPay-MasterCard-Visa (EMV) data standard, the first application. The first application is configured to communicate, via near field communication (NFC), data to the communicating device via the antenna based on the EMV data standard for payment purposes. The card is further configured to activate, responsive to determining that the request is consistent with a near field communication data exchange format (NDEF) standard, the second application. The second application is configured to communicate, via NFC, data to the communicating device via the antenna based on the NDEF standard for verification/identification purposes.

Abstract: A computer-implemented method includes receiving, by a depository computing system, a check deposit for a first amount associated with a payee account of a payee, determining, by the depository computing system, the check deposit is an on-us transfer based on verifying that the payee account and a payor account of a payor are associated with a same financial institution, and posting, by the depository computing system in real time, the first amount to both the payee account and the payor account prior to settlement of the check deposit.

Abstract: Systems, methods, and computer program products may receive, from a merchant system, an authorization request associated with a transaction; communicate the authorization request to an issuer system and initiate a response timer associated with the transaction; in response to the response timer satisfying a predetermined response time amount without receiving, from the issuer system, an authorization response associated with the authorization request, determine an extended response time; and in response to receiving the authorization response from the issuer system before the response timer satisfies a sum of the extended response time amount and the predetermined response time amount, communicate, to the merchant system, the authorization response.

Abstract: A system and method are described for a COIN-based payment event data management system. The COIN can provide a consolidated source of accounting for all parties to a transaction by providing for multi-directional translation, resolution, accounting and other functions. A COIN server can interface with buyers and sellers, requestors and debtors, and other parties. The COIN server can communicate with different API's of various parties. Functionality can include means of analyzing payment and transaction behavior.

Abstract: A computer-implemented method, in accordance with one embodiment, includes collecting data from a plurality of predefined functional areas in a particular geographical area in which a plurality of physical objects are located, at least some of the data relating to vandalism. Wrangling is performed on the data to correlate the data from the functional areas with respective ones of the physical objects. The wrangled data corresponding to each of the physical objects is transformed into features corresponding to a the functional areas. For each of the physical objects, the features are processed according to predefined rules for generating a rank for each of the functional areas. Dynamic weights are computed for at least some of the features to account for data drift by comparing historical data with latest data. The ranks and dynamic weights are transformed into a vandalism score for each of the physical objects, which is output.

Abstract: A method and a computer network of interconnected computer nodes, one assigned a role of a deployer node, the deployer node creating and executing a rule-based block, and assigning others of the computer nodes a role of sensor node or a role of display node. The deployer node maintains addresses of the sensor nodes and the display nodes, the sensor nodes add sensor track data to create linked blocks, and the display nodes read the sensor track data in the linked blocks. The rule-based block includes a sensor add rule which checks that only computer nodes assigned the role of the deployer node can assign a computer node the role of sensor node. The rule-based block includes a sensor track data add rule which checks that only the computer nodes assigned the role of sensor node can request to add new sensor track data to create the linked blocks.

Abstract: A thin client may be utilized to facilitate data exchanges between two devices (e.g., a remote computer and a portable device). In some embodiments, the two devices may utilize differing communications protocols. The thin client may further be configured with a rules engine that determines one or more actions to be performed in response to one or more stimuli. The thin client may manage the processing flow between the two devices according to one or more predefined rules that are interpretable by the rules engine. The rules may be pushed to the thin client via any suitable device enabling the functionality of the thin client to be configured and/or modified without having to update the hardware and/or software of the thin client.

Abstract: A purpose of the present invention is to obtain a good tactile sensation of a vibration response even if a state or an operation situation of an operation panel changes, when the operation panel installed in a stationary machine, such as an image forming device, is vibrated as an operation response. The present invention is applied to an operation input device that notifies a user by causing a vibrating element to vibrate an operation panel attached to a device main body when an operation of the operation panel by the user is detected. Here, in order to drive the vibrating element, at least one of a plurality of vibration directions is selected to drive the vibrating element when an operation input from the operation panel is detected.

Abstract: A method and system of providing a service node within a blockchain network. The method includes storing, in a memory of a processing server, a blockchain comprised of a plurality of blocks, wherein each block is comprised of at least a block header and one or more data values, wherein the one or more data values included in a most recent block includes at least one data point associated with services or functions of at least a first service node; receiving, by a receiving device of the processing server, a request from a second service node for the list of services or functions of the at least a first service node within the blockchain network; and validating, by the processing server, the request from the second service node for the list of services or functions of the at least a first service node within the blockchain network.

Abstract: There are provided systems and methods for a machine learning-based network trained to perform risk assessment through device data. A service provider server receives device data of a user device associated with a merchant account registered with a merchant server for a merchant service, and receives, from the merchant server, a request containing a unique token identifier for initiating a risk assessment operation to generate a device assessment score for the user device, where the device assessment score indicates a level of risk between the user device and the merchant account. The service provider server selects a risk assessment engine to perform the risk assessment operation and generates the device assessment score and a narrative for the device assessment score, and sends, to the merchant server through an application programming interface, a message containing a unique device identifier for the user device, the device assessment score and the narrative.

Abstract: A method, system, and computer readable storage to enable a user to apply for a loan with a dynamic repayment structure. Instead of periodic payments being fixed, the payments can be variable based on a collection rate. The collection rate is determined from historical financial data for the user. For example, the collection rate can be a fixed percentage of all profit for each month. In this manner, the user's monthly payments are more commensurate with their monthly cash flow thereby reducing the default rate.

Abstract: The present invention generally relates to a method, system and program product for depositing, holding and/or distributing collateral in the form of digital assets in a peer-to-peer network.

Abstract: A computer-implemented method of conducting wireless transaction includes receiving, using an antenna of a point of sale device, one or more electromagnetic signals from a mobile device of a customer. The electromagnetic signals are interpreted using a communications module of the point of sale device to determine information related to a financial account of the customer. Using a network interface of the point of sale device, a connection with an acquirer system is initiated. Using the network interface a packet of data including an authorization request is transmitted over the connection to the acquirer system. The packet of data includes the information related to the financial account, a merchant identifier, a date, and a transaction amount. An authorization code is received from the acquirer system using the network interface. An electronic receipt is transmitted to the mobile device using the network interface.

Abstract: Systems, computer program products, and methods are described herein for identity-based exposure detection in peer-to-peer (P2P) platforms. The present invention is configured to receive, from a computing device of a P2P platform, an indication that a user has initiated a P2P resource transfer request to a first entity; retrieve, from a computing device of the P2P platform, resource transfer information of the first entity based on at least the P2P resource transfer request; initiate a database query on a P2P knowledge repository using the resource transfer information of the first entity; determine a match between the resource transfer information of the first entity and at least one entity record in the P2P knowledge repository based on at least initiating the database query; and transmit a notification to the computing device of the P2P platform indicating that the first entity is known to be associated with misappropriate activity.

Abstract: A method of facilitating concurrent blockchain transactions for a plurality of users in a transaction system having respective user blockchain accounts each having a token balance comprises providing, at a blockchain network, an aggregator account having a token balance; generating a plurality of child accounts of the aggregator account; periodically initiating, at the blockchain network, a plurality of top-up transactions to transfer tokens from the aggregator account to the plurality of child accounts; and concurrently incrementing the respective token balances for the plurality of users by initiating, at the blockchain network, a plurality of user top-up transactions to transfer tokens from the plurality of child accounts to the user blockchain accounts.

Abstract: A computer system is described that is configured to make automated repairs to failed electronic transactions. The computer system receives an electronic transaction data file including a plurality of electronic transactions and determines that processing of at least one electronic transactions of the data file has failed due to an error in transaction information. The computer system also identifies at least one financial account in an account database that includes identification information that matches identification information included in the transaction information of the at least one electronic transaction that failed. The computer system may repair the error in the transaction information of the at least one electronic transaction based on information associated with the at least one financial account and send the repaired at least one electronic transaction to an electronic transaction processing queue.

Abstract: Systems and techniques are provided for a resource transfer system. An instruction to transfer a first quantity of a resource from a first resource pool to a second resource pool may be received. A hold may be placed on a second quantity of the resource in the first resource pool. The held second quantity of the first resource may not be transferred from the first resource pool until the hold is released. Responsive to receiving a message that fulfills a condition on the hold and an instruction to execute the transfer, the hold may be released. A register that is in the first resource pool and is associated with the resource may decremented by the first quantity, and a register that is in the second resource pool and is associated with the resource may be incremented by the first quantity.

Abstract: Techniques to provide secure access to a service via an unmanaged device are disclosed. In various embodiments, a request from an unmanaged device to access a service is received via a communication interface. A user associated with the request is authenticated at least in part by prompting the user to use a managed device associated with the user to interact with data displayed at the unmanaged device. Access to the service is provided via the unmanaged device at least in part via a virtual browser instance running on a secure node and configured to access the service on behalf of the user and stream data associated with the service to the unmanaged device.

Abstract: In some implementations, a device may provide, for display via a display screen, a graphical user interface (GUI) that includes a first page and one or more sheets corresponding to respective secondary pages, wherein the one or more sheets include respective sets of one or more display elements from respective sets of display elements associated with the respective secondary pages. The device may detect a first gestural interaction in an area of the display screen that is associated with a portion of the GUI, the first gestural interaction indicating an action. The device may update, based on detecting the first gestural interaction and the action, the GUI to cause one or more other portions, from the first page and the one or more sheets, of the GUI to display updated information in accordance with the action. The device may provide, for display, the GUI indicating the updated information.

Abstract: A method with the steps of obtaining first information by a deliverer, wherein the first information includes: delivery consent information from which it follows that a person consents to the delivery of a shipment identifiable using the delivery consent information despite the absence of the person, wherein the shipment contains a good which must be paid for; paid information from which it follows that a payment for a good contained in a shipment identifiable at least using the paid information has been performed; or payment information with which a payment for a good contained in a shipment is permitted to be performed at a person's expense without further involvement of the person; and delivering the shipment or displaying second information, wherein obtaining the first information is a necessary condition for performing the delivering of the shipment or the displaying the second information.

Abstract: A method and system for biometric self-enrollment is provided. A user can receive a portable device and an enrollment device, as well as an enrollment identifier in a separate communication. The user can couple the portable device and the enrollment device, enter the enrollment identifier into the enrollment device. Using the coupled portable device, the user can capture a biometric that can be stored on the portable device. At another time, a user can provide an additional biometric to the portable device. The portable device can compare the biometric received during the biometric self-enrollment and compare it to the additional biometric as part of a biometric authentication procedure. An enrolled portable device can be utilized for a variety of subsequent transactions.

Abstract: Methods for email-based e-commerce using SMS and social media and for an e-commerce stock management system are disclosed. A method for email-based e-commerce using SMS includes receiving, via a social media network, a request from a customer to make a payment via email; generating a first email message that includes a mailto hyperlink and solicits payment in a predetermined amount; transmitting the first email message to the customer; and receiving an email message from the customer confirming payment in the predetermined amount. A method for an email-based financial management system includes storing user based settings, based on stock market events and a plurality of predetermined actions; determining when a stock market event occurs; transmitting a confirmation email to a customer requesting confirmation to perform a predetermined action; receiving a confirmation email from the customer to perform the predetermined action; and performing the predetermined action.

Abstract: A device may receive, from account entity devices, sets of transaction data for transactions between merchants and customers, and may use a first machine learning model to assign the customers to clusters based on measures of similarity among the sets of transaction data. The device may determine travel-related data items in a set of transaction data, of the sets of transaction data, associated with a set of customers assigned to a particular cluster, and may use a second machine learning model to identify a travel experience that has a threshold likelihood of being of interest to the set of customers. The device may receive offers relating to the travel experience, and may provide, to customer devices associated with customers of the set of customers, travel offer packages that include at least one of the offers relating to the travel experience.

Abstract: Systems and methods may comprise RFID data acquisition technology which may be embedded in a fob or tag for use in completing financial transactions. This fob may a self-contained device which includes a transponder and which may be contained on any portable form factor. For instance, the tag may be housed in a wearable transaction instrument, such as an activity tracker. The tag is configured to be used in concert with an RFID reader device.

Abstract: System and methods of contactless card authentication systems include a contactless card and a client device having an application, a processor, and a card reader. An application on the client device receives a transaction lockdown request, sends a request to the server to begin to allow a transaction approval within a time period, receives the transaction approval via an authentication tap from the contactless card, sends the transaction approval to the server; and receive an allowance or disallowance response from the server.

Abstract: A connection-based service impersonates request-based security for requests from clients that do not include credentials for the requests (e.g., data plane requests made via a connection-oriented security). A connection between a client and a connection-based service is established based on connection credentials that are based on security credentials from a request-based security service. The credentials are sent by a security component of the service to a local agent of the remote security service to be authenticated by the security service. An impersonation token is returned by the security service and cached by the local agent. Requests from the client to perform operations do not include credentials. For each request, the service passes an identifier for the client and the operation to a local authorization component that calls the agent for authorization of the requested operation. The agent uses the impersonation token to obtain authorization for the requested operation.

Abstract: A computer-implemented method is disclosed. The method includes: receiving, via a first application, a request to connect a first data record associated with the first application on a computing device with a second data record associated with a second application on the computing device; establishing a secure data communication channel between the first application and the second application; receiving, via the first application, a request for transfer of data between the first application and the second application; and in response to receiving the request, transmit, by the first application to the second application via the secure data communication channel, a message comprising the second device token using a trusted link associated with the second application.

Abstract: The present subject matter involves a system and method for producing and processing electronic transactions, including electronic checks, in a secure manner. In various embodiments, a secure server provides an electronic check service that maps payees to participating lockbox service providers and provides electronic payment instructions from the payor to the lockbox service providers to process payments to the payees. In various embodiments, a check is printed to fulfill Check21 Act requirements, electronic images are obtained of front and back of the printed check, and check image pairs are created of the electronic images of the front and back of the printed check. In various embodiments, paper items are processed where the electronic check service does not find an electronic deposit match. In various embodiments, the electronic lockbox files are used in a secure electronic payment platform that assists in the generation of electronic checks.

Abstract: Techniques for performing secure contactless payments are disclosed. An example apparatus includes an external contactless card reader, including a first short-distance communication antenna, connected to a card reader terminal using a feed line. The first short-distance communication antenna is configured to convert an electromagnetic signal including data received from a contactless payment card into an analog signal and is not configured to digitize the analog signal. The card reader terminal includes a short-distance receiver circuit and a secure controller, both located within a secure area, and a second short-distance communication antenna, wherein the first and second short-distance communication antennas are connected via separate paths to the short-distance receiver circuit.

Abstract: A point-of-sale (POS) system may use biometric or other contactless techniques to determine tokenization data that attributes a transaction with a particular payment account for settlement. A first payment method specified by a user for use at the POS may be issued by a first bank that does not participate in tokenization. A second payment account associated with a different entity and issued by a second bank that does support tokenization is associated with the first payment method. The POS transaction completes, using a token associated with the second payment account. Another transaction then takes place in which the second bank charges the first bank for the amount of the completed transaction.

Abstract: A method of intelligently verifying real estate transaction procedure is implemented in a system of intelligently verifying real estate transaction procedure including an intelligent real estate transaction procedure platform system and an intelligent real estate transaction procedure management system. The intelligent real estate transaction procedure platform system enables a buyer to start a real estate transaction procedure and stores relevant real estate transaction documents and real estate transaction records in a proof system as proof.

Abstract: A controller for a DC microgrid and associated renewable energy source, RES, units. The DC microgrid comprises energy storage, ES, units and consumer units that are interconnected by a DC distribution network. The DC microgrid is connected to an AC grid to allow power to flow between the DC microgrid and the AC grid. The controller has three levels: a first for controlling daily operations, a second for making optimizing adjustments to the first level control based on historical data and the weather forecast, and a third which is an analysis level for modelling how changes in provision of the number of RES units and ES units would affect the DC microgrid's dependency on power from the AC grid. The output of the third level thus enables incremental changes to be made to provision in order to reduce, ideally eliminate, the net power demand from the AC grid.

Abstract: A technique for improving the security of a portable consumer device may include storing a first account identifier and a second account identifier associated with the first account identifier, the second account identifier and the first account identifier being associated with the same account on the portable consumer device. When the portable consumer device is interacting with a reader device to conduct a transaction, the portable consumer device may determine whether the transaction is a proximity transaction by sensing whether a wireless interrogation signal is being transmitted from the reader device, and determine which of the first account identifier and the second account identifier to provide to the reader device based on whether the transaction is a proximity transaction.

Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, generate and provision digital tokens based on dynamically obtained contextual data. For example, an apparatus may receive first information that characterizes an exchange of data initiated by a first application program executed by the apparatus, and may generate and transmit a signal to a computing system through a programmatic interface associated with a second application program executed by the apparatus. In some instances, the first signal may include the first information and data that instructs the computing system to obtain a digital token representative of a data type available for use in the data exchange. The apparatus may also receive a second signal that includes the digital token and based on the digital token, perform operations that present second information characterizing the available data type on an interface.

Abstract: In some embodiments, a method includes receiving an input including an educational objective for a user having an associated user device. The method includes sending a signal to receive Global Positioning System (GPS) transit data associated with a transit from a first location and a second location. The method further includes determining, based on a set of parameters and the GPS transit data, an effective transit time and selecting a set of educational content files that meet the educational objective. The method includes selecting, based on the effective transit time, a subset of the set of parameters and at least one characteristic associated with each educational content file, a subset of educational content files. The method further includes determining an order for the subset of educational content files to provide the subset of educational content files to the user device within the effective transit time to meet the educational objective.

Abstract: An arbitraged enhanced payment processing system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a payment processing servicer. Upon receiving a payment processing servicer response, the payment management system outputs the response and token to the POS terminal system.

Abstract: Systems and methods for performing a transaction with a headless point-of-sale or automated teller machine (ATM) device are disclosed using a card having a second communications path to a financial services provider. A card having a display and radio frequency (RF) communications module may be authenticated with a headless point-of-sale device using a short-range RF communications link. Characteristics of the card may be set prior to the transaction. Transaction information may be provided to the display of the card from the headless point-of-sale device. A customer may confirm the transaction at the card using a touch-sensitive input area. During the processing, a communication may be made over the second communications path to authorize the transaction independently of the transaction processing path. A transaction may then be completed at the headless point-of-sale device.

Abstract: Electronic transfers of value may be secured via verification of locations of parties, and/or progressive trust building, while maintaining privacy of sensitive personal information of parties via separate communications by parties with a payment network server. Locations may be fixed geolocations, proximities, and/or positions relative to markers/beacons that are in motion. Transfers may be made from party to party, party to place and place to party, and/or party to a virtual point-of-sale at a place. Transferred items may be electronic funds in fiat and/or crypto currencies, Non-Fungible Tokens (NFTs)/data associated NFTs, electronic data, and/or securities/financial instruments, for example. Transactions may be multiparty and may comprise multiple exchanges of value.

Abstract: Methods, apparatuses, and computer program products for event-based payment orchestration are provided. An example method includes receiving, via an orchestrator device, a request for a payment process configuration from a first participant device. The orchestrator device includes a plurality of payment process configurations stored locally by the orchestrator device, each of the plurality of payment process configurations include configurable instructions for performing an associated portion of a payment process, and the request includes a plurality of first participant requirement parameters. The method includes determining a first payment process configuration based upon the plurality of participant requirement parameters and providing the first payment process configuration to the first participant device. Modifications to the first payment process configuration by the first participant device are stored locally by the first participant device.

Abstract: A first user device may be used to request provisioning of a secure credential on a second user device. A provisioning system may facilitate the provisioning in a manner that ensures security and privacy of the requesting parties. The provisioning requests may be made using an application on the first user device such as a third-party application or using a web application via a browser. The credential may be added to a digital wallet on the second user device. The credential may be useable by the second user device to perform one or more contactless transactions.

Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising receiving a selection of a transaction account to be used as payment for a transaction; and transmitting a wireless signal carrying emulated track data for payment of the transaction, wherein the emulated track data emulates data in tracks of a magnetic card and includes alias transaction account data in place of actual transaction account data.

Abstract: Apparatuses and systems for wearable devices such as eyewear are described. According to one embodiment, the wearable device includes a frame, onboard electronics components, and an antenna disposed around an eyepiece area of the frame that is configured to hold an optical element. The antenna is configured for inductive coupling. In some embodiments, a switch coupled to the antenna allows selection between circuitry for inductive charging of a battery and near-field communication (NFC) circuitry for communicating data via the antenna.

Abstract: Apparatus and methods for utilizing non-fungible tokens (“NFTs”) for payment redemption and remittances are provided. A payor may use a computer program product to create an NFT. The NFT may include a digital envelope and metadata. The digital envelope may include one or more payment terms as a payment statement and the payment funds. The NFT may be transferred to a digital wallet belonging to a payee. The payee may select an option to redeem the payment funds. The payment funds may be transferred to the payee per the selection.

Abstract: Systems and methods are disclosed for performing payment transactions using indicia-based associations between two or more user interfaces. One method includes: receiving transaction information related to a user's selection of goods or services from a merchant; generating an indicia encoding the transaction information related to the selected goods or services, the merchant, and the transaction amount; transmitting the indicia to be displayed, and to enable a user interface of a first user device to scan the indicia and extract the transaction information; receiving from the first user device, an authorization to process the payment transaction using a mobile payment source; and if sufficient resources exist in the mobile payment source: generating and transmitting a low value token to the merchant indicating the authorization of the payment transaction, wherein the low value token conceals the information related to the mobile payment source; and processing the transaction using the mobile payment source.

Abstract: A method for preventing misuse of electronic access permissions, managed in mobile electronic devices using a wallet application and transmitted by a server. A link is purchased from the server, during which a password or authentication data and a mobile electronic device, are specified via the link. When activating the link, an ID of the first mobile electronic device, which is associated with an ID of the purchased access permission, is transmitted to the server. The electronic access permission is only transferable from the first mobile electronic device to another mobile electronic device after the password is first entered with the server. Upon transfer, in the server the access permission ID is associated with the ID of the other mobile electronic device and the access permission stored on the first mobile electronic device is marked as invalid.

Abstract: Disclosed herein are system, method, and computer program product embodiments for sorted parallel processing of large dataset to provide quicker search results to a user. An embodiment operates by receiving a search request containing a first attribute from a user, determining an intermediate result set of items in a database based on the search request, and sorting the items based on a second attribute of the items. The embodiment further operates by dividing the sorted items into a plurality of batches with sequential IDs, determining a result corresponding to the first attribute for each item in parallel, creating a sequentially-ordered list of determined results, identifying a subset of determined results based on a comparison between the determined results and a target result, determining a final result set of items, and returning at least a portion of the final result set of items to the user.

Abstract: A method for processing a multi-account check includes: receiving a first authorization request including a transaction amount, an account identifier, and a check number; identifying a blockchain associated with the account identifier including a plurality of blocks, each block including a block header and blockchain data values, and a blockchain data value included in one of the blocks including the check number; generating two or more additional authorization requests including a payment amount, an alternate account number, and an alternate check number, where the alternate account number included in each of the additional authorization requests is unique among the additional authorization requests and a total of the payment amount included in the additional authorization requests is based on the transaction amount; and transmitting each of the additional authorization requests to a financial institution associated with the alternate account number included in the respective additional authorization request