A system may include one or more processors, a memory in communication with the one or more processors, and storing instructions, that when executed by the one or more processors, are configured to cause the system to generate VCNs. The system may generate a first parent VCN based on one or more first limits, and a plurality of child VCNs based on one or more second limits. The system may transmit the plurality of child VCNs to a plurality of first users and determine whether an attempted transaction utilizing one of the plurality of child VCNs falls within the first and second limits. When the attempted transaction falls within the first and second limits, the system may approve the attempted transaction. When the attempted transaction falls outside of the first limits or the second limits, the system may deny the attempted transaction.

A method for managing operational costs associated with distributed computing. The method includes: creating, via a graphical user interface (GUI), a distributed computing team; linking a digital team wallet to the distributed computing team, wherein the digital team wallet is linked to a currency account; adding a member to the distributed computing team; allowing the member to purchase compute resource access from a plurality of compute resource providers using the digital team wallet; and notifying a team manager when funds in the digital team wallet reduce to at least a team threshold value.

Methods, systems, and apparatuses are described herein for authenticating access to an account using questions relating to which user, of a plurality of users authorized to access the account, performed certain actions. A request for access to an account may be received. Transaction data for the account may be received. A list of merchants may be generated for at least one transaction. An authentication question relating to the identity of a user that conducted a transaction may be generated. For example, the authentication question may prompt the user to indicate which authorized user(s) conducted particular transaction(s). The user device may be provided the authentication question. A response to the authentication question may be received. Access to the account may be provided based on the response.

Systems and methods of managing a shared cryptographic account for a first user and at least one second user in a blockchain based computer network, including: generating, by a first computing device of the first user, a first share of a cryptographic key, generating, by a server, a corresponding second share of the cryptographic key, wherein the cryptographic key corresponds to a public key and private key pair, and wherein the private key is configured to decrypt shares of the cryptographic key that are encrypted by the public key, generating a group ID for a group of users of the shared cryptographic account, distributing, by the server, the first share among each of the at least one second user, and enforcing a signing logic scheme for users of the group when signing with the shared cryptographic account.

Systems and methods for confirming and/or updating account information are disclosed. The systems and methods may calculate relocation scores based on transaction data and device location data. The relocation scores may be based on locations of the transactions and/or locations of a user device beyond a registered customer address. A relocation score can be calculated based on a quantity of transactions having transaction locations beyond a first predetermined distance from the customer address as determined by transaction location identifiers. A relocation score can be calculated based on an elapsed duration of time since a customer transaction was completed within the first predetermined distance from the customer address.

Disclosed are methods and systems for provisioning payment card credentials to an Internet of Things (IoT) device that is associated with a companion application. In an embodiment, a mobile device processor displays a companion application user interface (UI) on a display screen, receives a user selection of an option to obtain payment card credentials from the companion application UI, displays a prompt for the user to provide user authentication data to the companion application, receives the user authentication data from a biometric sensor, and authenticates the user. The process next includes displaying a selection screen comprising one of an icon identifying the IoT device or an icon identifying the companion application and a list of payment card accounts, receiving a selection of a payment card account, transmitting payment account credentials of the selection to a wallet server computer, receiving a companion token from the wallet server computer, associating the companion token with the companion application, and transmitting the companion token to the IoT device associated with the companion application.

Systems and methods of managing a shared cryptographic account for a first user and at least one second user in a blockchain based computer network, including: generating, by a first computing device of the first user, a first share of a cryptographic key, generating, by a server, a corresponding second share of the cryptographic key, wherein the cryptographic key corresponds to a public key and private key pair, and wherein the private key is configured to decrypt shares of the cryptographic key that are encrypted by the public key, generating a group ID for a group of users of the shared cryptographic account, distributing, by the server, the first share among each of the at least one second user, and enforcing a signing logic scheme for users of the group when signing with the shared cryptographic account.

Embodiments provide methods, and server systems for performing a combined transaction for one or more scheduled transactions. The method is configured to generate one or more machine readable codes for the one or more scheduled transactions through a first transaction terminal, where each machine readable code is associated with a scheduled transaction of the one or more scheduled transactions. Further, the method includes generating a composite machine readable code based on the one or more machine readable codes. The generation of composite machine readable code further include, at least one authentication attribute of an assignee. The method, furthermore, includes receiving a second transaction request through a second transaction terminal. The second transaction request includes the composite machine readable code. The method facilitates the combined transaction based on authentication of the composite machine readable code, wherein the combined transaction is associated with the one or more scheduled transactions.

Embodiments allocate and synchronize virtual currency balance of a user among multiple user devices. A user profile is maintained at a central server. The user profile stores a total virtual currency balance and a designation of multiple user devices associated with the user. The total virtual currency balance may be divided among and allocated to the multiple user devices, for example, based on usage data associated with each user device. The portion of the total virtual currency balance allocated to each user device may be stored locally at a local wallet of the corresponding user device. The local virtual currency balance on a user device may be used to purchase goods or services, such as playing a game. If the locally stored virtual currency balance of a given user device runs low, the user device may request additional virtual currency from other user devices without contacting the central server.

A system including: one or more processors; a memory storing instructions that, when executed by the one or more processors are configured to cause the system to receive primary and secondary user account data. The system generates one or more predictive model systems based on the primary and secondary user account data. The system receives a first input from the primary user corresponding to a first spending limitation for the secondary user. The system identifies a first transaction of the secondary user exceeding the spending limitation and determines using the one or more predictive model systems whether to authorize a spending limitation override. The system automatically authorizes the spending limitation override when the first transaction exceeds the spending limitation by less than a predetermined threshold. The system can also identify and automatically fund recurring transactions with an associated funding account using the one or more predictive model systems.