A method of processing a giving transaction is disclosed. The method includes receiving, from multiple users, enrollment information including (for each user): a postal code and an indication that the user has entered an upcoming game of chance associated with a monetary prize. The method further includes registering the users (and corresponding enrollment information) and, in response to a registered user winning a prize share consists of some or all of the monetary prize, identifying a winning postal code based on the enrollment information of the registered user that won the prize share. The method further includes distributing a portion of the prize share to the registered user that won the prize share and distributing a remaining portion of the prize share by distributing a first portion to the registered users having an associated postal code that matches the winning postal code and distributing a second portion to other users.

A method of processing a giving transaction is disclosed. The method includes receiving, from multiple users, enrollment information including (for each user): a postal code and an indication that the user has entered an upcoming game of chance associated with a monetary prize. The method further includes registering the users (and corresponding enrollment information) and, in response to a registered user winning a prize share consists of some or all of the monetary prize, identifying a winning postal code based on the enrollment information of the registered user that won the prize share. The method further includes distributing a portion of the prize share to the registered user that won the prize share and distributing a remaining portion of the prize share by distributing a first portion to the registered users having an associated postal code that matches the winning postal code and distributing a second portion to other users.

The CLOUD-BASED VIRTUAL WALLET NFC APPARATUSES, METHODS AND SYSTEMS (“EAE”) transform user enhanced security transaction initiation requests using EAE components into time-limited, session-specific transaction bounding tokens. In some implementations, the disclosure provides a processor-implemented method of transforming a transaction bounding token request into transaction bounded tokens and purchase authorizations.

The blockchain generation apparatus 1 includes: a parameter calculator 122 that identifies a parameter type to be used for linkage of the new block, based on block approval method data 114, and calculates a value for the identified parameter type based on transaction datasets which are related to an identifier of a generating party; a block generation condition checker 125 that determines whether the generating party is qualified to generate the new blockchain data, based on the value calculated by the parameter calculator 122; and a blockchain generator 126 that tries to generate the new blockchain by referring to the shared data when the block generation condition checker 125 determines that the generating party is qualified. An identifier of the blend pattern included in the block approval method data 114 specifies a combination of the plurality of parameter types that conflict with each other.

Systems and methods for linking physical items to virtual content. Exemplary implementations may: receive a first request to verify whether a first activation of a first item has occurred; if not, transmit a notification in reply to the first request; receive, from a first user, a second request to effectuate the first activation of the first item and to make particular virtual content accessible to the first user; modify state of a smart contract on a decentralized database such that subsequent requests confirm the first activation has occurred; establish a link between the first item and the first user such that the particular virtual content is accessible to the first user; and responsive to the particular virtual content being accessible to the first user, transmit a second notification in reply to the second request.

Intelligent bundling of multiple loans is described. In an example, server computing device(s) can receive a request for a first loan to enable a buyer to purchase a first item from a first merchant and can generate the first loan based at least in part on determining that the buyer purchased the first item. The first loan can be associated with a balance based on an actual purchase price of the first item. The server computing device(s) can determine to bundle repayment of the first loan with at least a second loan, and based on determining to bundle repayment of the first loan and at least the second loan, the server computing device(s) can repay at least a portion of the first loan and at least a portion of the second loan via a single payment from an account of the buyer.

User devices are disclosed for managing a plurality of supplemental payment sources of a user. One method includes: generating and displaying a user interface prompting a user to input: an identifier of a primary payment source account for applying resources to transactions originating at one or more merchants, the primary payment source account being accounted for in a first data structure of a shared ledger and having its identifier linked with one or more supplemental payment source accounts; identifiers of one or more supplemental payment source accounts for applying resources to transactions originating at one or more merchants, the supplemental payment source accounts being accounted for in second and subsequent data structures of the shared ledger; and preference settings for applying resources of the primary payment source account and the supplemental payment source accounts to transactions, based on identities or categories of merchants involved in the transactions.

Cryptocurrencies may be used within the current Four Party Model to settle transactions between a merchant and a consumer who may use or accept fiat and/or cryptocurrency. An intermediary wallet entity may assume the risk of cryptocurrency transactions. For example, a fiat-fiat transaction may follow the usual settlement process of the Four Party Model. In a crypto-crypto transaction, settlement may occur in real time. But in a fiat merchant/crypto customer transaction, settlement may be made from the customer's crypto wallet to an intermediary wallet. Fiat settlement would then occur between the intermediary and merchant following the Four Party Model. In a crypto merchant/fiat customer transaction, a transfer may be made from the intermediary wallet to the merchant's crypto wallet. Fiat settlement between the customer's bank (issuer) and intermediary can happen in the usual settlement process.

Systems and methods for failed payment recovery can include a method for payment recovery. The method includes steps for receiving a set of transaction information, predicting a set of one or more authorization field values based on the received set of transaction information, predicting a set of one or more optimal send times based on the received set of transaction information, and transmitting a set of one or more authorization messages based on the predicted set of authorization field values and the predicted set of optimal send times.

An account identification method, an apparatus, an electronic device, and a computer readable medium, pertaining to the technical field of the Internet. The method includes: obtaining various resource transfer records of which a resource pre-acquisition account is different from a resource receipt account; dividing the resource pre-acquisition account and the resource receipt account into multiple connected account sets; determining to-be-identified accounts in each of the connected account sets; obtaining sample accounts from the to-be-identified accounts, and training a target account identification model by using the sample accounts; and determining whether the to-be-identified accounts are a target account through the target account identification model.