A payment transaction processing system and a payment transaction processing method and apparatus are disclosed. The system includes: an acquiring institution configured for initiating a payment transaction request; a clearing institution configured for receiving the payment transaction request, and sending the payment transaction request to the account institution; an account institution configured for processing the payment transaction request, generating a transaction result according to a processing result, and feeding back the transaction result to the clearing institution; if the transaction result is a payment processing result indicating that a third-party account opening institution performs payment, a clearing institution sends the payment transaction request to the third-party account opening institution, and receiving a first payment transaction result returned by the third-party account opening institution, and feeding back the first payment transaction result to the acquiring institution; and the third-party account opening institution is configured for, according to the payment transaction request, performing deduction, and after the deduction has been completed, generating the first payment transaction result, and feeding back the first payment transaction result to the clearing institution. The present application can improve the safety of the transaction payment, ensure the authenticity of the transaction information, and reduce the capital clearing risk.

A cross border payment (CBP) computing device for transmitting cross border data rich payments in real-time is provided. The CBP computing device receives, from an originating bank associated with a payor, a payment request message to transfer funds in real-time. The payment request message includes payment instructions and transaction information associated with a transfer amount. The CBP computing device determines that the payment request message is a cross border payment transfer from a first payment network for processing real-time payments within a first country to a second payment network for processing real-time payments within a second country, and retrieves, from a database, a set of rules based on a payment messaging standard and protocol associated with the second payment network. The CBP computing device reformats the payment request messaged based on the retrieved set of rules, and transmits the reformatted payment message to a receiving bank associated with a payee.

Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous payment networks. A software-programmed computer circuit receives and processes electronic transaction data to identify and use electronic ID data to retrieve stored profile data. The computer circuit then uses the retrieved profile data to select one of a plurality of payment networks available to each of a buyer and seller involved in the transaction. Electronic payment is carried out using the selected payment networks.

A transaction terminal provides processing for payment using a cryptocurrency during a transaction being conducted at the transaction terminal. The transaction terminal further provides processing for a refund transaction utilizing cryptocurrency.

Systems and methods for automated account migration are disclosed. In one embodiment, a method for automated account migration may include a migration computer program: (1) receiving an AR file comprising one or more incoming payments from a client; (2) identifying a payor for each incoming payment, each payor having a payor record; (3) enriching the payor record with payor information from a third-party database; (4) identifying a client of the financial institution in a client database that is potentially the payor, the client database comprising a plurality of client records; (5) generating a confidence score for the client using a scoring engine; (6) associating the payor with the client in response to the confidence score being above a threshold; (7) identifying an optimal payment mechanism for payment for a payor account to an account for the client with the financial institution; and (8) implementing the optimal payment mechanism.

Systems and methods for batch multiplexing a plurality of transactions are provided. A system may include a machine-learning (“ML”) based engine configured to receive instructions to execute a first transaction, derive a plurality of sets of delay parameters for the first transaction, and display the sets of delay parameters on a graphical user interface (“GUI”) associated with a sender of the instructions. The engine may be configured to receive a selection of a set of delay parameters, and, based on the selection, append the first transaction to one of a plurality of pending transaction queues. The engine may be further configured to, within a maximum time window, combine the transactions in the pending transaction queue to create a single multiplexed transaction, and execute the multiplexed transaction. The engine may also be configured to demultiplex the multiplexed transaction after it is executed.

Disclosed are a method, a system, and a non-transitory computer-readable record medium for a reward on a cryptocurrency exchange. A cryptocurrency reward method includes determining a reward amount for a user that meets a reward condition in a cryptocurrency exchange, the reward amount being in a fiat currency, setting at least one cryptocurrency as at least one selected cryptocurrency based on a selection of the user, converting the reward amount into the at least one selected cryptocurrency to obtain at least one converted reward amount, and transferring the at least one converted reward amount to an account of the user.

An authentication computing device, including a processor in communication with a memory, for authenticating an ACH transaction processed over an ACH network is provided. The processor is programmed to register a payee with the authentication computing device, and to receive an authentication request for an electronic ACH transaction to transfer funds from a payor account to a payee account. The request is received from a first client computing device and includes an account identifier associated with the payor account. The processor is also programmed to transmit an authentication challenge to a second client computing device based on account data associated with the account identifier. The processor is further programmed to receive a response to the authentication challenge, determine whether the account data has been authenticated based on the received challenge response, and transmit an authentication response to the payee based on the determination.

Disclosed herein are computer-implemented methods, computer-implemented systems, and non-transitory, computer-readable media for managing transactions on blockchain networks. One of computer-implemented method includes obtaining, by a scheduling device on a blockchain network, transaction data including a plurality of original pending transactions to be executed on the blockchain network among a plurality of accounts, the transaction data being stored on the blockchain network. The scheduling device performs a consolidation analysis of the plurality of original pending transactions to determine a plurality of modified pending transactions among the plurality of accounts, and a number of the plurality of modified pending transactions is less than a number of the plurality of original pending transactions. The scheduling device maintains the plurality of original pending transactions with the plurality of modified pending transactions, without updating the transaction data stored on the blockchain network with the plurality of modified pending transactions.

Systems, methods, and computer-readable media are provided for processing and settling financial transactions. An example method comprises receiving a transaction from an originator. The transaction comprises information associated with an identification of an initiating user or the account. The method comprises determining the actual account number, transmitting a financial services transaction request comprising the actual account number to a financial institution, receiving a response, and transmitting a response back to the originator. Another method comprises receiving, from a user device, a request to associate a financial account with a user account. The method comprises generating and sending an association message to a payment network and receiving a key associated with the financial account for use in initiating financial transactions. Another method comprises utilizing such a key to generate and process a transaction request. Other systems, methods, and media are also provided.