Systems and methods for providing risk determination in a crypto currency transaction include receiving, through a network via a broadcast by a first payer device, a first crypto currency transaction that includes a first payee public address. A first request for a determination of risk associated with the first crypto currency transaction is then identified in the first crypto currency transaction, with the first request including risk criteria. A first payee involved in the first crypto currency transaction is then identified using the first payee public address, and first payee risk information is accessed via at least one external risk information database based on the identification of the first payee. If it is determined that the first payee risk information satisfies the at least one risk criteria in the first request, the first crypto currency transaction is provided for addition to a block in a crypto currency public ledger.

Systems and methods for providing risk determination in a crypto currency transaction include receiving, through a network via a broadcast by a first payer device, a first crypto currency transaction that includes a first payee public address. A first request for a determination of risk associated with the first crypto currency transaction is then identified in the first crypto currency transaction, with the first request including risk criteria. A first payee involved in the first crypto currency transaction is then identified using the first payee public address, and first payee risk information is accessed via at least one external risk information database based on the identification of the first payee. If it is determined that the first payee risk information satisfies the at least one risk criteria in the first request, the first crypto currency transaction is provided for addition to a block in a crypto currency public ledger.

An improved financial terminal automatically reconfigures into different financial processing terminal types. In one embodiment, the terminal comprises a housing; a card reader configured to accept at least a portion of a card having an integrated circuit; at least one display; at least one processor; and at least one memory configured to store machine readable code, the machine readable code comprising a first kernel corresponding to a first transaction type and a second kernel corresponding to a second transaction type.

A method for determining customer lifetime value using an incentive system to provide for geographically limited rewards earned for transactions includes tracking payment card transactions between enrolled payment cardholders and enrolled merchants, creating a database of rewards eligible transactions, instructing a virtual payment card issuer to apply the rewards amount for each rewards eligible transaction to an account, receiving transaction authorization requests from the virtual payment card issuer corresponding to enrolled cardholders requesting to spend rewards within their corresponding account, if the transaction is occurring within a prescribed geographic area in which rewards can be spent, transmitting an authorization for the virtual card issuer to complete the transaction using the rewards, establishing a cohort of enrolled payment cardholders and associated transaction data, and calculating a custom lifetime value for the enrolled payment cardholders within the cohort, the calculation based on the transaction data acquired by the incentive management system.

Methods and systems are provided for crowdsourced funding via a blockchain system. A token contract, associated with a token issuer, is generated on a blockchain system. Tokens are issued to a plurality of token holders. Each of the plurality of token holders is allowed access to a feedback mechanism associated with the token issuer. A performance of the token issuer in an associated field is monitored to provide at least one performance metric. A dividend is paid to each token holder proportional to a number of tokens held by the token holder after a predetermined amount of time based on the at least one performance metric.

An electronic device is disclosed. The electronic device includes a memory, a camera module, a communications module, and a processor that is configured to: receive, from the camera module, image data associated with a machine-readable optical label, the optical label encoding transaction details of a transfer of data to a recipient account, wherein the transaction details do not indicate an identity of the recipient account; receive a user input indicating authorization to initiate a transfer of data, via a protected resource, from an account associated with the user to the recipient account; and in response to receiving the user input, generate a request for initiating the transfer of data based on the transaction details, the request including an access token for use in authenticating the user on requests to access the protected resource.

An electronic device is disclosed. The electronic device includes a memory, a camera module, a communications module, and a processor that is configured to: receive, from the camera module, image data associated with a machine-readable optical label, the optical label encoding transaction details of a transfer of data to a recipient account, wherein the transaction details do not indicate an identity of the recipient account; receive a user input indicating authorization to initiate a transfer of data, via a protected resource, from an account associated with the user to the recipient account; and in response to receiving the user input, generate a request for initiating the transfer of data based on the transaction details, the request including an access token for use in authenticating the user on requests to access the protected resource.

The present application discloses a method of issuing pseudonymous authorisation tickets to nodes of a cooperative ITS, for signing messages, comprising: receiving a ticket request from a node in an authorisation server, and sending a validation request to an enrolment server, conducting a validity check in the enrolment server, and, when the validity check is passed, incrementing a counter value of a counter assigned to an account at an account server enrolled with the enrolment server for the requesting node, sending a validation message to the authorisation server, and issuing a pseudonymous authorisation ticket from the authorisation server to the requesting node, repeating the aforementioned steps until a predetermined charging period expires, and, upon expiry, sending, from the enrolment server to the authorisation server, said counter value, and sending a charging request calculated from said counter value from the authorisation server to the account server for charging said account.

A system and method for verifying account ownership using verified deposits. An ACH verification platform may recognize or detect a verification process involving microdeposits. A verification platform may receive and store user login, initiate the deposits, and monitor the user's account to verify that posting of the deposits was successful. In embodiments, a dedicated web form or portal may be provided for receiving verification information.

Systems and methods are provided for managing shared expenses. The systems and methods may include a financial service provider identifying shared expenses in a customer's transaction history with software application executed on a server or personal computing device. The financial service provider may identify other individuals with whom the customer shares the expense, and send requests for reimbursement on the customer's behalf. The financial service provider ay monitor the status of reimbursement payments, and send reminders as necessary until the shared expense has been reimbursed.