Techniques for providing a localized blockchain that uses a mesh network to facilitate transactions for a localized event are provided. An electronic device can receive data from a localized mesh network to establish the device as a node on the localized mesh network. The established node can generate a cryptocurrency wallet that can be loaded with an initial amount of localized cryptocurrency tokens from a total amount of localized cryptocurrency tokens. The total amount of localized cryptocurrency tokens can be previously mined by a central authority of the localized mesh network. The established node can conduct transactions within the localized mesh network utilizing the localized cryptocurrency tokens. The established node can receive a portion of a cryptocurrency token for transmitting transactional data to a next nearest node on the localized mesh network to help facilitate a transaction involving other nodes on the network.

Techniques for providing a localized blockchain that uses a mesh network to facilitate transactions for a localized event are provided. An electronic device can receive data from a localized mesh network to establish the device as a node on the localized mesh network. The established node can generate a cryptocurrency wallet that can be loaded with an initial amount of localized cryptocurrency tokens from a total amount of localized cryptocurrency tokens. The total amount of localized cryptocurrency tokens can be previously mined by a central authority of the localized mesh network. The established node can conduct transactions within the localized mesh network utilizing the localized cryptocurrency tokens. The established node can receive a portion of a cryptocurrency token for transmitting transactional data to a next nearest node on the localized mesh network to help facilitate a transaction involving other nodes on the network.

Methods, systems, and apparatus, including computer programs encoded on computer storage media, for fluid blob tracking. One of the methods includes receiving from a user device, a request to change an address with a financial institution. The method includes accessing an electronic bill pay system of the financial institution. The method includes identifying an external party to notify of the change of address based on data in an electronic bill pay system. The method also includes notifying the external party of the change of address, wherein the external party is independent of the financial institution.

The invention discloses a method and system for exchanging data between users using a transaction phrase, comprising: composing a data package by a source, uploading the data package onto a server, receiving a transaction phrase associated solely with the data package generated from a dictionary database utilized by the server, communicating the transaction phrase by the source to a recipient, requesting the data package by the recipient using the phrase, and receiving the data package from the server to the recipient if the parameters allow. The invention also details a financial aspect wherein a payment dialogue is initiated on the recipient interface allowing the recipient to complete a payment through a merchant server. Another embodiment comprises receiving a payment by the recipient upon submitting the transaction phrase to the server. The invention also envisions allowing the source to create a source account before composing the data package.

A payment method and system based on a cloud application instance, and a related device are provided. The method includes the following steps: The cloud application instance sends an order and a device identity to a payment management node. The payment management node records a correspondence between the order and the device identity. The cloud application instance sends an order payment request to a terminal device. The terminal device sends, to the payment management node based on the order payment request, an order obtaining request carrying the device identity. The payment management node obtains the order from the correspondence based on the device identity carried in the order obtaining request, and sends the order to the terminal device. The terminal device receives and processes the order.

A payment method and system based on a cloud application instance, and a related device are provided. The method includes the following steps: The cloud application instance sends an order and a device identity to a payment management node. The payment management node records a correspondence between the order and the device identity. The cloud application instance sends an order payment request to a terminal device. The terminal device sends, to the payment management node based on the order payment request, an order obtaining request carrying the device identity. The payment management node obtains the order from the correspondence based on the device identity carried in the order obtaining request, and sends the order to the terminal device. The terminal device receives and processes the order.

Apparatus for the transfer of sensitive information between two parties facilitated by an intermediary, the apparatus adapted to: receive from the first party voice signals and data signals; determine a parameter relating to an estimate of the time required for sensitive information to be determined from the data signals received from the first party; transmit to the intermediary the received voice signals and the parameter; determine sensitive information from the received data signals; and transmit the sensitive information to the second party. A corresponding method is also provided.

The disclosure herein describes handling tokenization requests associated with electronic transactions at a payment network at a throttled processing rate. Tokenization requests are received by tokenization stream brokers from request sources. The tokenization requests include primary account numbers (PANs) to be tokenized. The tokenization requests are then consumed from the tokenization stream brokers, at a request storage rate, for storage in a request data store. Tokenization operations are then performed, at a request processing rate, based on the tokenization requests stored in the request data store. The tokenization operations include providing at least the primary account numbers to be tokenized to issuers associated with the tokenization requests at issuer tokenization rates associated with the issuers, whereby the request processing rate is throttled for compatibility with capabilities of the system and the issuers without unnecessary limitations placed on request sources.

The disclosure herein describes handling tokenization requests associated with electronic transactions at a payment network at a throttled processing rate. Tokenization requests are received by tokenization stream brokers from request sources. The tokenization requests include primary account numbers (PANs) to be tokenized. The tokenization requests are then consumed from the tokenization stream brokers, at a request storage rate, for storage in a request data store. Tokenization operations are then performed, at a request processing rate, based on the tokenization requests stored in the request data store. The tokenization operations include providing at least the primary account numbers to be tokenized to issuers associated with the tokenization requests at issuer tokenization rates associated with the issuers, whereby the request processing rate is throttled for compatibility with capabilities of the system and the issuers without unnecessary limitations placed on request sources.

Techniques for providing a localized blockchain that uses a mesh network to facilitate transactions for a localized event are provided. An electronic device can receive data from a localized mesh network to establish the device as a node on the localized mesh network. The established node can generate a cryptocurrency wallet that can be loaded with an initial amount of localized cryptocurrency tokens from a total amount of localized cryptocurrency tokens. The total amount of localized cryptocurrency tokens can be previously mined by a central authority of the localized mesh network. The established node can conduct transactions within the localized mesh network utilizing the localized cryptocurrency tokens. The established node can receive a portion of a cryptocurrency token for transmitting transactional data to a next nearest node on the localized mesh network to help facilitate a transaction involving other nodes on the network.