Abstract: Disclosed embodiments include systems and methods for improving the accuracy of online banking systems. In various embodiments, the system includes a user device capturing receipt information from one or more e-commerce application and a server device for associating captured receipt information with transaction data. The system may include a browser extension for facilitating automatic capture of receipt information and a matching module for associating receipt information with transaction data. In various embodiments, transactions displayed in transaction statements within an online banking application are augmented with item level data including product name, price, and vendor for each product included in a transaction.

Abstract: Methods and systems are disclosed for transactions with a private digital currency. The private e-currency may be backed by a financial institution, managed using a blockchain, and only available for transactions with members of a network associated with the financial institution. The members may include mobile wallets, merchants and ATM's. A mobile wallet may register with the network and receive an amount of the private e-currency from the financial institution. The mobile wallet may establish a connection with a payment recipient such as another wallet, an ATM or a merchant, and receive a payee address. The mobile wallet may send a transaction request to the blockchain for payment to the payee address of a payment amount of the private e-currency, so that the payment recipient can, using a blockchain, confirm or deny the transaction request.

Abstract: In an embodiment, a computer-implemented method operating at a server system is disclosed. The method includes associating business rules with a plurality of users, displaying a catalog item to a respective user of the plurality of users in accordance with the respective business rules associated with that user, and generating a purchase order for the displayed catalog item. Related methods and systems are also disclosed.

Abstract: There are provided systems and methods for time sensitive geo-location data for push notifications after shared transaction processing. A user may utilize a communication device to perform electronic transaction processing for a group of users at a location. The device may be geo-location enabled so that a service provider may detect a location of the device. Based on the geo-location of the user at the time of processing and other nearby geo-location enabled device, the service provider may determine other users that share in the transaction and are associated with the user using messaging connections and shared data transmissions. The service provider may determine the transaction that the user processed. The service provider may request that the other users provide the required reimbursement to the user that processed the transaction data. The other users' devices may receive a push notification and data to perform transaction processing.

Abstract: Systems and methods may generally include sending an executable application, which when executed, automatically causes a monetary transfer. An example method may include performing, at a first user device, a handshake with a second user device, receiving, during the handshake, an operating capability of the second user device, and configuring, based on the operating capability of the second user device, an executable application, which when executed, automatically causes a monetary transfer to occur. The configured executable application may be sent to the second user device for execution.

Abstract: A request for payment message is received. The message includes transaction data. A transaction identifier is generated. The transaction data is stored in association with the transaction identifier. The transaction identifier is transmitted to an acquirer bank. A request to retrieve data is received from a payer's bank. The request to retrieve data includes the transaction identifier. At least some of the transaction data is transmitted to the payer's bank. A confirmation is received from the payer's bank. The confirmation indicates that a real-time payment has been made in accordance with the request for payment message.

Abstract: Mobile communications devices, systems and methods are provided for identifying a risk of fraudulent activity associated with a merchant before a user executes a transaction with the merchant. In an embodiment, a mobile communications device obtains first information identifying prior instances of fraudulent activity associated with a merchant. The mobile communications device may determine a level of risk of fraudulent activity associated with the merchant based on the obtained first information, and may identify, based on the determined risk level, one or more payment instruments and associated incentives appropriate for financial services transactions involving the merchant. The mobile communications device may present, to a user, a notification including the identified payment instruments and associated incentives prior to execution of a transaction between the user and the merchant.

Abstract: A controlled dispensing fixture including a display screen, a scanning device, and one or more processors is configured to: obtain via the display screen or remote scanner a selection of one or more controlled products; update a user interface on the display screen based on the selection; determine whether the one or more controlled products meet a purchase limit associated with the one or more controlled products for dispensing; obtain via the scanning device consumer identification information; determine whether the consumer identification information meets an age threshold and/or an identity requirement associated with the one or more controlled products; and in accordance with a determination that (i) the one or more controlled products meet the purchase limit for dispensing, and (ii) the consumer identification information meets the age threshold and/or the identity requirement, transmit a dispensing instruction to the dispensing fixture to dispense the one or more controlled products.

Abstract: A method for facilitating transactions is provided. Various users register their payment modes to avail a payment mode interchange service offered by a server for online purchases. During registration, the users specify corresponding offer amounts in exchange for allowing purchases of other users to be performed by using their payment modes. When an offer on a purchase is not applicable on a payment mode of a first user, the first user is recommended by the server to make the purchase by using a payment mode of a second user on which the offer is applicable. The payment mode of the second user is charged with a purchase amount of the purchase and the offer amount specified by the second user is billed on the payment mode of the first user. The second user receives the offer amount and the first user receives an incentive associated with the offer.

Abstract: An information processing system includes a first apparatus, a second apparatus providing a service for fee, and a server. The first apparatus transmits, to the server, identification information and settlement destination information in an associated form, the identification information identifying use of the service, the settlement destination information stored on the first apparatus and identifying a settlement destination of a usage fee for the use of the service. The second apparatus transmits to the server the identification information and fee information in an associated form, the fee information indicating the usage fee for the use identified by the identification information. The server settles the usage fee indicated by the fee information at the settlement destination identified the settlement destination information associated with the identification information.

Abstract: A user can associate a digital asset corresponding to a value with a transaction device to be used by another user. For example, a first user can load a digital asset corresponding to a cryptocurrency amount onto a transaction device, where the first user then provides the transaction device to a second user. The second user can utilize the cryptocurrency amount on the transaction device to conduct a transaction. The generation and use of digital assets can be managed using ledgers that store data in the form of block chains.

Abstract: An apparatus for processing trading orders comprises a memory and a processor. The memory stores a first order and a second order. The first order is associated with a product and comprises a displayed quantity and a reserved quantity. The second order is associated with the product and comprises a displayed quantity and a reserved quantity. The processor is coupled to the memory and receives a counterorder associated with the product. The processor fills the displayed quantity of the first order with a corresponding portion of the counterorder, and fills the displayed quantity of the second order with a corresponding portion of the counterorder. The processor allocates a first additional portion of the counterorder to the first order. The first additional portion is based at least in part on a ratio of the displayed quantity of the first order to a sum of the displayed quantity of the first order and the displayed quantity of the second order.

Abstract: Controlling provision of a set of utilities by a financial institution. The method includes receiving, by a processor of a financial institution computing system associated with a financial institution, utility usage information from a set of utility meters associated with a plurality of customers of the utility company. The method includes determining a utility account balance for a customer of the plurality of customers based at least in part by an aggregate amount of utility usage used by the plurality of customers for a billing cycle by aggregating the received utility usage information for the billing cycle. The method includes determining that the utility account balance exceeds a threshold permitted past due amount. The method includes sending a stop signal to a utility meter associated with the customer, the stop signal instructing the utility meter to cut off provision of the utility to a property serviced by the utility meter.

Abstract: Several credit score management user interfaces that may comprise a credit score thresholds user interface, a credit score alert settings user interface, and several credit score alert notification user interfaces, enable a consumer to set and/or adjust credit score goals and warnings, and credit score alert settings. The credit score threshold visual interface may present one or more credit score thresholds (for credit score goals and/or warnings) for the consumer on a line graph. The consumer may set and/or adjust the credit score thresholds based on touch input. The user interfaces may be updated automatically in real-time in response to the touch input. Alerts may be generated and provided to the consumer based on alert settings, changes to the consumer's credit information, the credit score thresholds, and/or macroeconomic events or factors.

Abstract: A method for optimizing transaction authorization conversion rates using measured feedback includes retrieving payment transaction parameters and authorization results for a plurality of past payment transactions from a database, generating a transaction success model comprising authorization success factors for each of a plurality of payment transaction parameters using data science methods for statistical inference based on the retrieved payment transaction parameters and authorization results, receiving, at an acquirer processor, a payment transaction from a merchant, modifying one or more parameters of the payment transaction according to the generated transaction success model, and submitting the modified payment transaction to a financial institution for processing.

Abstract: The disclosed embodiments provide systems and methods for providing real-time warnings to merchants for data breaches. For example, the system may include one or more memory devices storing instructions and one or more processors configured to perform operations consistent with this disclosure. The operations may include collecting and storing transaction authorization requests from one or more merchants. The transaction authorization requests may include a virtual account number associated with an account, the virtual account number being previously bound to a merchant and reusable only for the bound merchant. The operations may further include detecting an event at the bound merchant based on, for example, a transaction authorization request having a mismatch between a transacting merchant and the bound merchant. The operations my further include communicating notification of the event through a communication interface with the bound merchant.

Abstract: Invoice determination system for determining an invoice for at least an item bought by a client providing at least a means for measurement linked to the at least one item, a first processing means connected to a first memory storing a client database, and a second processing means connected to a second memory storing a supplier database, each item being identified by a unique identifier, the first and second processing means being configured to execute a process providing the necessary steps in order to emit an invoice including the price to be charged to the client.

Abstract: Aspects of the disclosure relate to cash handling devices that provide intelligent monitoring and management of cash cycles. A cash handling device having at least one processor, a communication interface, and memory may receive, from a mobile device, a request to process a pre-staged transaction. Subsequently, the cash handling device may generate and present a graphical identifier based on the mobile device requesting access to the cash handling device. Next, the cash handling device may verify that the mobile device is authorized to perform the pre-staged transaction based on the graphical identifier being scanned by the mobile device and cause a connection to be established between the cash handling device and the mobile device. Thereafter, the cash handling device may identify and process the pre-staged transaction associated with the mobile device. Then, the cash handling device may generate a notification indicating completed processing of the identified pre-staged transaction.

Abstract: Systems, computer program products, and methods are described herein for recurring auxiliary resource distribution. The present invention may be configured to detect a trigger event associated with a plurality of sources, where the plurality of sources includes a standard source and an auxiliary source, and where the plurality of sources is associated with a user. The present invention may be configured to transform, using a resource transformation engine and based on the trigger event, a first amount of auxiliary resources in the auxiliary source to a second amount of standard resources, deduct the first amount of auxiliary resources from a first balance of the auxiliary source, and add the second amount of standard resources to a second balance of the standard source. The present invention may be configured to perform a resource distribution using the second amount of standard resources from the standard source.

Abstract: Described are a system, method, and computer program product for processing a transaction as a push payment transaction. The method may include receiving, with a payment gateway processor, a transaction request from a merchant system. The transaction request may include transaction data associated with a payment device of a user, the payment device being associated with an issuer system. The method may also include generating, with the payment gateway processor, an authentication request based on the transaction data. The method may further include communicating, with the payment gateway processor, the authentication request to the issuer system. The method may further include, in response to the issuer system authenticating the authentication request, generating a push payment request including an account identifier associated with the merchant system, and communicating the push payment request to the issuer system.

Abstract: Systems and methods for generating bill pay requests via an internet-enabled video displaying device are described. The transaction generating system presents users with the option to generate a bill pay request to vendors of products and/or services while the user is passively consuming video content. As video content relating to a given product or service is displayed, a notification invites the user to generate a bill pay request. The user can then use the internet-enabled video displaying device to generate and send a request to transfer funds to the vendor.

Abstract: Methods, systems, and computer-readable media for batch processing with random access for transaction history are disclosed. A batch processing system receives a batch comprising records of events, including a first record of a first event and a second record of a second event. The system assigns the first and second records to a group based (at least in part) on determining that the events are related. The system determines that the group is related to a match set comprising one or more prior events. The system updates one or more values in the match set based (at least in part) on the first and second records. The system stores the updated match set and one or more additional match sets using a storage object. The system retrieves the match set and not the one or more additional match sets from the storage object using an index.

Abstract: Systems and methods for providing a separate interest rate for an individual transaction are disclosed. A system may provide a service associated with a account having an account balance and an associated first interest rate. The system may include a service device having one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform a separate interest rate service process. The process may include providing a separate interest rate service offer to a client device and receiving a separate interest rate selection from the client device. The process may also include determining a selected portion of the account balance corresponding to an amount to which a second interest rate, different from the first interest rate, is to be applied based on the separate interest rate selection.

Abstract: A device may configure a browser to permit cash payments for online transactions. The device may monitor a browser session of the browser. The device may detect, during the browser session, navigation of the browser to a transaction page of a website. The transaction page may be configured to facilitate an online transaction with the website. The device may determine, based on detecting the navigation of the browser to the transaction page, that a cash payment is to be provided. The device may cause a validation code to be generated. The device may cause, based on the validation code being processed, a virtual transaction card to be generated. The device may facilitate, using virtual card information associated with the virtual transaction card, execution of the online transaction.

Abstract: Systems, methods, and apparatuses for implementing user customizable risk management tools with statistical modeling and a recommendation engine within a computing environment are provided. A system may include, for example, means for evaluating the performance of a user rule for fraud prevention, in which the system receives a plurality of purchase transactions for the user; analyzes each purchase transaction received to generate a fraud likelihood score; receives the rule that specifies conditions when the system is to accept or reject transactions regardless of the fraud likelihood score generated by the system; transmits a historical analysis to the user based on the received rule; receives an input from the user to activate the rule; monitors performance of the rule; and transmits a recommendation to the user to retain or cancel the activated rule based on the monitored performance. Other related embodiments are disclosed.

Abstract: A system to process virtual credit card (VCC) payments automatically is provided. Electronic delivery of VCC payment information may be transferred as electronic data representing a VCC payment to the seller (e.g., an email). Data exchange methods for VCC payments include application programming interfaces (APIs), email, files, etc. Secure processing is provided via an environment that meets rigorous security standards (e.g., Payment Card Industry (PCI) data security standards). Credentials of the sending entity establish the context that allows the system to associate the data received with the correct buyer and seller. Authentication may be provided within the context of the data transferred. Authentication may also use the sender's email address to validate the sender using a digital signature of the email contents. The system may combine digital signature validation of an email with a validation of a sending entity using the DomainKeys Identified Mail (DKIM) email authentication protocol.

Abstract: Apparatuses, systems, methods, and computer program products are presented for a propensity module based optimization. An apparatus comprises a processor and a memory that stores code executable by the processor to receive an electronic submission for a pass/fail interface, identify information from the electronic submission to suggest to a user for entering into an input field for the pass/fail interface prior to submitting the electronic submission to the pass/fail interface to reduce a likelihood that the electronic submission will be rejected at the pass/fail interface, determine the likelihood that the electronic submission will be accepted by the pass/fail interface, and submit the electronic submission to the pass/fail interface in response to the likelihood satisfying a threshold.

Abstract: Examples described herein relate to apparatuses and methods of detecting fraudulent activity at an automated teller machine (ATM) using a machine learning model. A method includes receiving ATM activity data indicative of one or more withdrawal transactions at one or more ATMs using a transaction card, receiving transaction data and ATM data, ingesting the transaction data and the ATM data, analyzing the ingested transaction data and the ingested ATM data using a machine learning model, determining that the ingested transaction data and the ingested ATM data indicate a likelihood of fraudulent activity using the machine learning model, and performing, using the machine learning model, one or more remedial actions based on the determined likelihood of fraudulent activity.

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: An investment manager engine automatically manages an investment fund. During an accumulation phase, the investment manager receives messages that include contributions to the investment fund. For each contribution, the investment manager determines an allocation of the contribution among securities and guaranteed income assets. The investment manager allocates at least a portion of the contribution to guaranteed income assets, according to the determined allocation. The guaranteed income assets provide a guaranteed annual income stream upon a predetermined date.

Abstract: Methods, apparatuses, systems, and computer program products are disclosed for determining a flight plan. An example method includes determining one or more potential flight plans from an originating location to a destination location, each potential flight plan comprising a different combination of one or more flight plan segments forming a potential flight plan from the originating location to the destination location. The method further includes calculating a projected cost for each of the one or more potential flight plans wherein the projected cost is based at least in part on dynamic cost data, dynamic navigation data, or a combination thereof. The method further includes determining an optimal flight plan from among the one or more potential flight plans, the optimal flight plan having a lowest aggregate cost of the calculated projected costs associated with each of the one or more potential flight plans.

Abstract: Methods and systems are described herein for integrating model development control systems and model validation platforms. For example, the methods and systems discussed herein recite the creation and use of a model validation platform. This platform operates outside of the environment of the independently validated models as well as the native platform into which the independently validated models may be incorporated. The model validation platform may itself include a model that systematically validates other independently validated models. The model validation platform may then provide users substantive analysis of a model and its performance through one or more user interface tools such as side-by-side comparisons, recommended adjustments, and/or a plurality of adjustable model attributes for use in validating an inputted model.

Abstract: A computer-implemented method for identifying errors in transaction messages associated with payment transactions. The method includes a step of receiving a transaction message associated with a financial transaction, whereby the financial transaction originates from a merchant and is processed by an acquirer. The transaction message comprises a plurality of data element fields, with at least one of the data element fields being a merchant identification field used to identify the merchant originating the financial transaction. An additional step includes performing an error-identification routine on the transaction message, with the error-identification routine including analyzing a merchant identification (ID) data element populated in the merchant identification field to determine if the merchant ID data element is not uniquely associated with the merchant.

Abstract: A computing device includes a processing resource, a memory resource, and computer-executable instructions stored thereon and embodied in a biller exchange bill pay application. The instructions, when executed by the processing resource, cause the computing device to receive, from a remote computing system, a data set comprising a plurality of billers. Each of the plurality of billers is subscribed to a biller exchange structured to allow each of the plurality of billers to deliver and receive payment on customer bills via a biller exchange computing system. A user-interactive page comprising at least one user-interactive control is generated and displayed on the computing device. The user-interactive control includes at least one property dynamically populated based on the data set comprising the plurality of billers (such as, for example, a property binding the user-interactive control to the data set).

Abstract: This disclosure describes, in part, techniques for validating a money transfer request between a sender and a recipient via challenge questions. For instance, the method includes determining, by a payment service system, a level of risk associated with the money transfer request between the sender and the recipient; in response the level of risk being higher than a threshold, obtaining a query for the recipient, wherein the query is based at least on the current money transfer request or one or more past requests between the sender and recipient; receiving, from the recipient device, a response to the query; and validating the current payment transaction based on the response.

Abstract: According to one or more embodiments, a settlement apparatus includes a processor. The processor detects a state of the settlement apparatus related to execution of settlement processing at the settlement apparatus using a plurality of settlement methods. The processor determines, based on the detected state of the settlement apparatus, whether there is a first settlement method among the plurality of settlement methods which cannot be executed at the settlement processing apparatus. The processor then notifies a customer of settlement method information indicating the first settlement method cannot be executed at the settlement processing or that another settlement method, other than the first settlement method, can be executed at the settlement apparatus instead of the first settlement method.

Abstract: A new approach is proposed to support instant merchant activation for secured in-person payment at a point of sale (POS) of a merchant. When a customer initiates an in-person payment request at a payment initiation device associated with the merchant, the payment initiation device collects both sensitive and non-sensitive portions of electronic payment transaction data for the request and encrypts the sensitive data portion for secured transmission. A payment gateway in the payment transaction process relays the data and the payment request to a payment processor for approval by an issuer and transmits only the non-sensitive portion of the data to a payment service engine for risk analysis if the payment request is approved by the issuer. The payment service engine determines if the payment request is at high risk based on risk analysis of non-sensitive portion of the data and notifies the payment initiation device and/or merchant accordingly.

Abstract: A method is provided for recording purchase transactions, including: receiving a purchase order request that is associated with a purchase order, the purchase order request being received from a purchaser-side system, the purchase order request including purchase information identifying a product, a product quantity, and a first order identifier that is assigned to the purchase order by the purchaser-side system; generating a transaction document in response to the purchase order request, including the purchase information into the transaction document, and recording the transaction document in a document sharing platform or shared cryptographically protected ledger; and progressively updating the transaction document with information provided by the purchaser-side system and a seller-side system as the purchase order is being fulfilled, wherein each update to the transaction document is recorded in the cryptographically protected ledger.

Abstract: A mobile banking system and method allows an unbanked individual to engage in banking practices that would otherwise not be available to the individual due to the individual not having a bank account and not being able to cash checks, make deposits, etc. The mobile banking system allows the unbanked individual to create a registered system account and become a customer of the system. This system account allows the customer to make deposits at credit unions and merchants who are part of the mobile banking system. The customer can also withdraw funds from a merchant or make purchases from a merchant. The customer can also make donations to a desired donation receiver and create a wallet that allows the customer to allocate funds to cards in the wallet and allow individuals access to the cards and money associated with a card.

Abstract: A method, apparatus and computer program product are provided for validating electronic distribution transactions and reducing non-compliant electronic distribution transactions. A distribution application enables users to enter details relating to a retirement account distribution. A tax service integrated with the distribution application provides scenario-specific tax withholding information, and enforces relevant tax withholding rules. A user provides withholding information and the system ensures compliance by validating the transaction against the withholding rules. The system displays to the user any errors that need to be corrected, and a breakdown of the proceeds from the transaction. The tax service is implemented remotely from the distribution application so that changing tax regulations may be implemented into the tax service without impacting the distribution application.

Abstract: A data store to store and access digital records is provided, and a key object record is initialized in the data store to store data associated with a physical key object. A digital fingerprint of the physical key object is stored in the key object record. Another digital record is created in the data store that is not the key object record. The digital record is linked to the digital fingerprint of the physical key object. The linking is arranged to provide secure control access to the linked digital record. A tendered access key is received via a programmatic interface or user interface, and the data store is queried based on the tendered access key to identify a matching digital fingerprint of a key object. In a case that the querying identifies the matching digital fingerprint of the key object within a prescribed level of confidence, access to the linked digital record secured by the key object is granted.

Abstract: Embodiments described herein generally relate to a battery pack assembly. The battery pack assembly includes a housing and a plurality of battery cells. The housing includes a pair of sidewalls and a pair of end walls that define a cavity, and a pair of lids. Each lid of the pair of lids has an interior surface and each lid of the pair of lids moves between an open position and a closed position. A plurality of terminal connectors are positioned on each inner surface of each of the pair of lids. The plurality of battery cells are positioned within the cavity. Each battery cell of the plurality of battery cells has a pair of terminals. When each lid is in the closed position, each of the plurality of terminal connectors are communicatively coupled to a corresponding terminal of the pair of terminals of each battery cell.

Abstract: New application sessions can be placed on reclaimable resource capacity that can be provided at lower cost than dedicated capacity, but with risk that the capacity might be reclaimed before completion of the session. A number of instance types can be determined that are capable of hosting a new session. Risk scores can be calculated for the instance types, as well as the cost of instances of each type. An instance type can be selected for the session using the risk scores and cost information, where the instance type will have relatively low risk with a relatively low cost for the instance. Once an instance type is selected, a resource pool can be selected from which to provide the resource instance of the selected type. The instance can then be allocated and caused to host the session or perform related functionality.

Abstract: In an example embodiment, information about one or more failed payment attempts via an electronic payment processing system is obtained. One or more features are extracted from the information. Then, for each of a plurality of potential candidate retry time points, the one or more features and the potential candidate retry time point are fed into a dunning model, the dunning model trained via a machine-learning algorithm to produce a dunning score indicative of a likelihood that a retry attempt at an input retry time point will result in a successful payment processing. The dunning scores for the plurality of potential candidate retry time points are used to select a desired retry time point. Then the electronic payment processing system is caused to attempt to reprocess a payment associated with one of the failed payment attempts at a time matching the desired retry time point.

Abstract: Methods and systems for automatically providing dynamic content for facilitating a transaction are described herein. An online marketplace is accessed by a client device over a network. A user identifier associated with the client device is passed to a payment service provider via a merchant system associated with the online market place. Dynamic content is generated by the payment service provider in response to the user identifier and subsequently served to the client device over the network.

Abstract: Embodiments of the present disclosure relate to methods, apparatuses and computer readable mediums for Virtual Network Function (VNF) management. In example embodiments, there is provided a method of managing a VNF. The method includes sending, from a VNF manager to a charging component, at least one request for charging information associated with at least one VNF. The VNF manager manages the at least one VNF. The charging information indicates respective rates for charging the at least one VNF under different network conditions. The method further includes, in response to receiving the charging information, managing lifecycle of the at least one VNF at least in part based on the charging information.

Abstract: Disclosed herein are methods, systems, and apparatus for processing blockchain-based guarantee information. One of the methods includes receiving a first cyphertext of a first digital document specifying a guarantee from a first computing device associated with at least a first guarantor and one or more zero-knowledge proofs (ZKPs) related to one or more values associated with the guarantee, and the first digital document specifies one or more predetermined conditions of executing the guarantee; verifying that the one or more ZKPs are correct; storing the first cyphertext to a blockchain based on performing a consensus algorithm; receiving a first message from a second computing device associated with a beneficiary or a representative of the beneficiary.

Abstract: A method and system include providing a user interface associated with an issuer of an account; receiving, at the user interface, a request to generate a token associated with a user account; generating at least one token associated with the user account; authenticating one or more elements associated with the user account, wherein authentication may be one of prior to and subsequent to the generation of the at least one token; and receiving the at least one token. Numerous other aspects are provided.

Abstract: Techniques are described herein for selecting an optimal financial account for a financial transaction. In an embodiment, a multi-account payment card is used to initiate a financial transaction. Transaction information of the financial transaction including a multi-account payment card ID is transmitted to a server for processing. The server determines that the multi-account payment card ID is associated with a plurality of financial accounts, wherein each of the plurality of financial accounts is associated with any one of a credit card, a debit card, an automatic teller machine (ATM) card, a gift card, or a credit line. A financial account of the plurality of financial accounts is selected by the server based on financial account information, such as reward information, associated with the plurality of financial accounts and the transaction information of the financial transaction. The financial transaction is then charged to the selected financial account.

Abstract: The present invention relates to a method for reporting an electric car charging space in a parking lot, the method comprising: identifying whether a charger of each of charging spaces in a parking lot is being used; identifying whether a car exists in each of the charging spaces; and selecting a chargeable space and reporting the selected chargeable space.