A method and system and computer program product for subscribing to action plans including a processing device for receiving an action plan transaction message having one or more data fields from an analyst node in a blockchain network and generating an action plan transaction in a blockchain including the one or more data fields of the action plan transaction message and a newly generated plan identification. The processing device may transmit an action plan notice to the blockchain network alerting the nodes of the blockchain network of the action plan transaction. The processing device may receive one or more client bids for the action plan transaction, determine a winning client bid of the one or more client bids, generate a winning bid transaction in the blockchain and transmit a winning bid notification to the client node of the winning client bid.

To manage property records using a multi-layered hybrid distributed ledger architecture, identification information for a particular property is obtained and transmitted to at least one participant in a public distributed ledger network for a public distributed ledger layer. Ownership information for the same particular property is obtained and transmitted to at least one participant in a federated distributed ledger network for a federated distributed ledger layer. Transaction-related documents for the same particular property are obtained and transmitted to at least one participant in a private distributed ledger network for a private distributed ledger. The distributed ledger layers are different layers of a property distributed ledger each having a separate set of consensus rules for appending distributed ledger data to the respective layer. This allows for the immutable preservation of royalty terms and conditions for a property or asset using the distributed ledger.

Disclosed herein are system, method, and computer program product embodiments describing the creation and funding of tax-advantaged accounts at a point-of-sale. By immediately funding the tax-advantaged account at the point-of-sale using a funding and payment mechanism, the disclosed embodiments may effectively and instantly fund a tax-advantaged account at a point-of-sale. The funding and payment mechanism overcomes the lapse in availability of funds inherent in legacy systems. Thus, an account holder may then immediately pay a provider from the tax-advantaged account for qualified expenses. The disclosure also presents a credit feature allowing prospective account holders to initially fund the tax-advantaged account. At the point-of-sale, the prospective account holder may link their newly created tax-advantaged account to other accounts, allowing the system to detect potential over-contributions. The disclosure also presents a retroactive analysis feature that analyzes linked accounts to create tax-advantaged transactions in transactions completed earlier in a plan year.

A peer-to-peer terminal includes a bid data obtaining unit, a bid data transmitter, a contract result calculator, a contract result transmitter, a contract result receiver, and a contract result selector. The bid data obtaining unit obtains bid data. The bid data transmitter transmits the bid data to another peer-to-peer terminal. The contract result calculator calculates a contract result from a bid data set obtained by the bid data obtaining unit and including the bid data. The contract result transmitter transmits the contract result to the other peer-to-peer terminal. The contract result receiver receives, from the other peer-to-peer terminal, another contract result calculated by the other peer-to-peer terminal. The contract result selector selects one contract result from among the contract result and the other contract result.

A system for tracking exchange of energy, includes: a memory that stores energy information generated by each node of a plurality of nodes in a blockchain network, the energy information indicating a production method used for producing the energy and an issuance status of a certificate that certifies the production method; and circuitry that receives, from an information processing apparatus, issuance request information requesting issuance of the certificate for the production method of energy, and determines an issuance status of the certificate for the production method of energy, based on the issuance request information that is received.

Disclosed are various embodiments for transfers using credit accounts. A request to send a specified amount of funds from a specified credit account to a recipient is received from a first client device. A transaction identifier for the request to send the specified amount of funds to the recipient is requested from the computing device. A first notification is sent to a second client device, wherein the first notification comprises the transaction identifier and the second client device is associated with the recipient. A second notification is received from the second client device that the recipient has accepted the specified amount of funds. A funds transfer is then initiated to the monetary account for the specified amount of funds.

The invention teaches an innovative way for users to transfer funds or crypto currency using proximal peer to peer funds transfer methodology wherein one user with a dynamic IOT smart device enabled with a proximal peer to peer funds transfer software can to transfer funds based on proximity to another user with a dynamic IOT smart device enabled with a proximal peer to peer funds transfer software. These funds transferred from one dynamic IOT smart device enabled with a proximal peer to peer funds transfer software to another may be encrypted and processed through the internet/payment gateway or may be encrypted within the proximal peer to peer funds transfer software to be processed at a later time when an alternate connection to the internet/payment gateway may be established.

A first security element is for transmitting an electronic coin data set to a second security element. The electronic coin data set is registered in a coin register of a payment system. The method has the steps of: setting a status of the electronic coin data set from the security element to an inactive status; transmitting the electronic coin data set from the first security element to the second security element; checking whether a receipt confirmation from the second security element has been received in the first security element; and deleting the transmitted electronic coin data set if the checking step results in that the receipt confirmation has been obtained by the first security element. The aforementioned relates to a payment system, a coin register, a security element, and a terminal for transmitting electronic coin data sets.

A system and method for true peer-to-peer automatic teller machine transactions using mobile device payment systems, where a user may receive physical cash in exchange for digital currency from another user, without either one of them having to have a merchant account or a credit/debit card clearing system through a payment processor, comprising a smartphone with an associate peer-to-peer ATM application, blockchain datastore, GPS satellite, cellular tower, and smart wallet application.

An apparatus for charging fees to a renter of equipment based upon wear to an item of equipment is disclosed herein. The apparatus can include a communications device proximal to the equipment that charges the renter, via a connected blockchain network, based off of the amount of vibration, pressure, flow rate, or temperature that the item of equipment is subjected to.