Transaction ID information corresponding to proof certificate-verifying transaction information is transmitted to a block chain retention server if a request for proof certificate information is sensed, when the proof certificate-verifying transaction information generated by using the proof certificate information, to be provided to a customer, is recorded in a block chain retention server and the transaction ID information is managed. The proof certificate-verifying transaction information corresponding to the transaction ID information is acquired from the block chain retention server. A proof certificate index hash value used for comparison, acquired from the proof certificate information to be provided to a customer and corresponding to a request, is compared with a proof certificate-verifying index hash value acquired from the proof certificate verifying-transaction information. Verification information generated with reference to the comparison result of the proof certificate index hash value used for comparison and the proof certificate-verifying index hash value are provided.

Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In some embodiments, disclosed embodiments may generate a dynamic and customized interface for effecting the personal payment transaction by, for example, providing one or more options for the payer to fund the payment. The disclosed embodiments may provide an interface that includes one or more suggested recipients for identifying the payee associated with the payment transaction. The disclosed embodiments may also provide an interface that includes one or more routing options to route the payment. The disclosed embodiments may also provide an interface that provides one or more communication channel options for parties associated with the personal payment transaction to communicate.

Method for online advertising auction on a peer-to-peer network includes: deploying a smart contract to publish a need from a consumer; receiving encrypted ad bids by the smart contract; storing the received ad bids in a hash function; reducing a number of ads that can be displayed by the consumer; transmitting the ad price to the consumer via the peer-to-peer computer network, when the hashed verification code is received from the consumer verifying that the consumer has viewed the ad content within an ad-viewing period of time; transmitting a difference between the advance payment and the ad price to the advertiser, by the smart contract via the peer-to-peer network; and ending the online advertising auction.

A blockchain payment channel based on a series of spending transactions exchanged between parties, in which: a funding transaction, committed to a blockchain, comprises at least one spendable transaction output locked to at least two public keys of the parties, wherein the funding transaction contains or otherwise evidences a function for at least partially computing the series of spending transactions. A previous transaction of the series is received at computer equipment of one of the parties. The function contained or otherwise evidenced in the funding transaction is used to at least partially compute the current transaction. A portion of the current transaction is cryptographically signed by the party, the signed portion comprising the at least two spendable transaction outputs, using a private key counterpart to the public key of the party, thereby computing a transaction signature for inclusion in the transaction input of the current transaction.

The instant invention provides a real-time environment where the proof of insurance information is updated as the insurance status changes. It provides users with processes that benefit from a live proof or a smart certificate of insurance. It utilizes flexible storage architecture so that users can leverage both distributed ledger technology as well as more traditional storage methods to provide real time secure storage and retrieval of certificate of insurance information to all parties involved in a transaction.

An example operation may include one or more of identifying application instances in a cluster group, receiving a request to perform a consensus decision regarding ownership of the cluster group via peer nodes of a blockchain, identifying individual consensus decision votes from the peer nodes, and performing the consensus decision based on the individual consensus decision votes.

A method for performing a card-to-card direct contactless transaction between a first active stored-value smart card (“SVSC”) and a second active SVSC, each comprising an active near-field communication (“NFC”) reader. The method may include activating the first active SVSC by receiving input of a personal identification number (“PIN”) on a keypad located on the first active SVSC, verifying the PIN and further receiving input of a transaction amount on the keypad. The method may further include initiating a wireless NFC communication to perform the transaction by positioning the first active SVSC within a pre-determined distance to the second active SVSC and confirming accuracy of each of the first and second active SVSC using the active NFC reader to retrieve card ID data and confirm accuracy. Following confirming, the method may include directly completing the transaction between the first active SVSC and the second active SVSC.

Systems and methods for peer-to-peer money transfers are disclosed. The system may allow senders to transmit money transfers to receivers. The system may receive a money transfer request from the sender comprising the designated receiver, a money transfer amount, and a sender transaction account. The system may generate a receiver transaction account associated with the designated receiver, wherein the receiver transaction account comprises the money transfer amount. The system may provide the receiver access to the receiver transaction account using different channels, including by providing a digital transaction instrument or a physical transaction instrument.

A method performed by a peer to peer healthcare payment platform includes receiving a first amount of resources from one or more first donors in a first account associated with a first patient. The first account stores the first amount of resources and a second amount of surplus resources associated with the first patient. The method further includes receiving a payment request from the first patient. In response to receiving the payment request, the method includes determining if the outstanding medical fee associated with the first patient is greater than the sum of the first amount of resources and the second amount of surplus resources. If the outstanding medical fee is greater than said sum, the method includes identifying one or more second pairing patients for the first patient to fund the fee.

An embodiment of a method of providing financial data to a financial instrument smart contract in a distributed ledger system includes: receiving, by an oracle smart contract in the distributed ledger system, a transaction from the financial instrument smart contract, the transaction including registration data having an identification of financial data to be delivered and an identification of a schedule on which to deliver the financial data; generating a transaction including the financial data; and transmitting the generated transaction to at least one distributed node of the distributed ledger system according to the requested schedule.