A system and method to conduct secure electronic financial transactions are provided. The method includes receiving a request, from a user, to perform a transaction with a merchant; generating a virtual check comprising a checking account number, a bank routing number, and a date; displaying the virtual check on at least one of a display of an electronic device of a user or the merchant; receiving input from the user corresponding to at least one of a plurality of check fields; receiving a virtual signature from the user; encrypting the virtual signature; storing the encrypted virtual signature in a database; decrypting and embedding, in the image of the virtual check, the virtual signature received from the user; populating the virtual check based on the received input and depositing the virtual check.

A cryptocurrency secured by one or more loans is disclosed. The cryptocurrency is associated with one or more loans and the loan payments are distributed to the owner of the cryptocurrency. An identification of a pool of one or more bundled loans is received, and an indication of payments of the one or more bundled loans in the pool is be received. User information associated with a cryptocurrency exchange may be received, and the cryptocurrency is associated with the pool of one or more bundled loans. Transfer is made, to a user, of an amount of the payments of the one or more bundled loans in the pool.

There are provided systems and methods for a carbon neutral blockchain protocol for resolving carbon offsetter payments for cryptocurrency transactions. A service provider, such as an online transaction processor, may provide a green wallet and network protocol that provides carbon offsetting fees and payments to carbon offsetters in order to account for carbon emissions and usage when processing cryptocurrency transactions on a blockchain network protocol. A green wallet may be provided, which allows registration of carbon offsetters and use of green addresses to cause cryptocurrency to be processed in a green transaction. A user's digital wallet may sign an initial cryptocurrency transaction and provide the fee to the green wallet. The green wallet may then resolve the cryptocurrency transaction by further signing the transaction and transmitting the fee to a digital wallet of the carbon offsetter over another cryptocurrency processing network.

This disclosure relates to awards. In some embodiments, an award can include a base having a front surface and a display assembly comprising a display apparatus, a non-transitory computer-readable medium with instructions encoded thereon, and one or more processors configured to execute the instructions to cause the display assembly to display, to a recipient of the award, information relating to an event for which the recipient received the award. In some embodiments, an award can include a communications interface to enable content to be provided to the award.

Aspects of the disclosure relate to isolating and reinstating nodes in a distributed ledger using proof of innocence. In some embodiments, a first plug-in embedded with the blockchain network may monitor consumer-initiated transactions submitted to an enterprise organization node to determine the legitimacy of each consumer-initiated transaction. The first plug-in may identify consumer-initiated transactions associated with malicious activity and may flag the consumer node for further analysis. A second plug-in may identify and analyze the consumer-initiated transactions associated with the consumer node to determine a proof of innocence value associated with the consumer node. The first plug-in may isolate the consumer node from the distributed ledger if the proof of innocence value exceeds a proof of innocence threshold. Alternatively, the first plug-in may permit the consumer node to remain within the distributed ledger if the proof of innocence value falls below the proof of innocence threshold.

A computer-based system collects data associated with a user activity. The data is transmitted from an app running on a computing device with a user account authenticated by the computer-based system. A carbon footprint of the user activity is calculated based on the data associated with the user activity. The system calculates a proof of environmental impact in response to a function of the carbon footprint and a baseline value. An amount of cryptocurrency is generated based on the proof of environmental impact by writing a transaction for the amount of cryptocurrency to a blockchain in response to proof of environmental impact. The amount of cryptocurrency is assigned to the user account authenticated with the computer-based system.

A method and system are provided for validating a promotional token redeemed at a Point-of-Sale (PoS) terminal, can include receiving, at the Point of Sale (PoS) terminal located at a physical retail location, a promotional token ID from a mobile device associated with a customer. The promotional token ID can be configured to uniquely identify a promotional token to promote a consumer packaged good (CPG) distributed on a social media platform. A CPG is entered at the PoS terminal to determine a CPG ID configured to uniquely identify the CPG. Next, a validation request is generated. The validation request comprises the promotional token ID and the CPG ID. The validation request is then transferred to a server having access to a private blockchain ledger. Upon completion, the PoS terminal will receive, from the server, the redemption status for the promotional token ID based on information stored in the private blockchain ledger responsive to the validation request.

Systems, methods, and program products for providing exchanges for converting from, to, or between digital assets, and in particular digital math-based assets, such as bitcoins, Namecoins, Litecoins, PPCoins, Tonal bitcoins, IxCoins, Devcoins, Freicoins, I0coins, Terracoins, Liquidcoins, BBQcoins, BitBars, PhenixCoins, Ripple, Dogecoins, Mastercoins, BlackCoins, Ether, Nxt, BitShares-PTS, Quark, Primecoin, Feathercoin, and Peercoin, to name a few, are disclosed. In embodiments, such systems, methods, and program products can further provide or be used in conjunction with automated transactions, digital asset arbitrage systems, and/or kiosk systems for transacting or interacting with digital math-based assets. A kiosk for transacting with digital assets and digital asset exchanges is also disclosed. Systems, methods, and program products for automated transactions and automated digital asset arbitrage transactions are also disclosed.

In some examples, a computing device receives, from a point of sale (POS) device of a merchant, an authorization request for authorizing a payment instrument for a transaction for an item. The computing device sends an authorization approval to the POS device, and determines that a user is eligible for a loan for an amount and the loan is to be repaid at a particular frequency during a period of time. The computing device determines that an amount of the transaction is less than or equal to the amount, and causes an offer for the loan to be presented via a user interface of a payment application that is executable by a user device of the user. Based on acceptance of the loan, the computing device applies the loan funds to the transaction for the item, and the loan is repaid at the particular frequency.

In some embodiments, a method includes generating, based on distributed ledger data associated with a first distributed ledger-based network (DLN), distributed ledger data associated with a second DLN. The first DLN and the second DLN each is a fork and the distributed ledger data associated with the first DLN include account data associated with a set of accounts. The method includes generating a request to initiate a transaction between a first account and a second account. The method includes authenticating the transaction based on a protocol associated with the second DLN and without using a private cryptographic key of the first account. The method includes sending a signal indicating the transaction was authenticated and storing information associated with the transaction in the distributed ledger data associated with the second DLN.