The present invention is a novel system and method for coding, programming and administering a cryptocurrency platform.

A computer-implemented method for generating and maintaining shared ledgers for sub-merchant onboarding includes receiving a request from a payment facilitator to onboard a sub-merchant, receiving information about the sub-merchant from the payment facilitator or the sub-merchant, providing the information about the sub-merchant to a third party, receiving underwriting information corresponding to the information about the sub-merchant from the third party, generating an onboarding decision based on the information about the sub-merchant and the underwriting information, storing the information about the sub-merchant, the underwriting information, and the onboarding decision to a shared ledger, and generating and transmitting an electronic offer of a product or a service to the sub-merchant based on the stored contents of the shared ledger.

A technique for remote access via a computing device is discussed. In one embodiment, a computing device receives data indicative of a card number associated with a bank-issued debit card. The debit card is associated with a bank account at a bank that issued the bank-issued debit card. The computing device also receives data indicative of an amount of cash to be deposited into the account based on an amount of cash provided at the computing device location. Encrypted data indicative of the card number and the data indicative of the amount of cash is routed to a gateway vendor server and is further routed to a payment network server for deposit of an amount corresponding to the data indicative of the amount of cash into the bank account associated with the card number.

Methods for updating an application programming interface (API) field of a transaction message may include receiving, with at least one processor, a payment transaction message, wherein the payment transaction message comprises data associated with a payment transaction; determining, with at least one processor, one or more API fields of the payment transaction message based on the data associated with the payment transaction; and modifying, with at least one processor, one or more API fields of the payment transaction message. Methods may also include transmitting, with at least one processor, a modified payment transaction message based on modifying the one or more API fields of the payment transaction message. Systems and computer program products are also disclosed.

Techniques are described herein to allow for the utilization of digital currencies in a resource efficient manner, through a physical action blockchain. The physical action blockchain allows for mining/minting of digital currency based on transactions and/or physical actions performed in the real world.

The current invention pertains to a computer-implemented method, a method, a use thereof, a computer system and a computer program product for determining a potential for anomalous activity by a suspect user, particularly for detecting fraud and most particularly for detecting money laundering.

A system for digital asset exchange, a digital wallet and an architecture for exchanging digital assets. The system for digital asset exchange includes an interface arranged to receive digital asset transaction requests from a user; and a gateway arranged to communicate with one or more exchanges to process the digital asset transaction requests.

In one aspect, a distributed ledger system include a first network node configured to detect a triggering condition for processing a claim; collect user and broker information for processing the claim; convert the information from a first computer-readable format to a second computer-readable format; validate the converted information based on corresponding digital signatures; generate claim state objects based on the validated information to be used by each node of the distributed ledger system to execute a smart contract for processing the claim; receive one or more updated claim state objects from a second network node reflecting updated processing status of the claim to be used by each node of the distributed ledger system to execute the smart contract for processing the claim; and process the claim based on results of execution of the smart contract using the one or more updated claim state objects.

Systems and methods are provided for distributing data to multiple data centers within a network based on unique information associated with the data. One example method includes receiving data including a device ID specific to a device of a user and generating, by a filter computing device, a group identifier for the received data based on the device ID. The group identifier is associated with only one of the multiple data centers within the network. The method then includes storing the received data in a data storage device of the one of the multiple data centers based on the group identifier.

A system and a method of data communication between a first computing device, associated with a first user, and at least one second computing device associated with a second user may include: receiving, by the first computing device, one or more data elements pertaining to details of a transaction request from the second computing device, via a voice channel; extracting said transaction request details by the first computing device; transmitting, by the first computing device, one or more authentication data elements of an electronic wallet module, comprised in the first computing device, to the second computing device, via the voice channel; and carrying out the requested transaction by the first computing device, based on the extracted transaction request details and the electronic wallet authentication data.