This invention relates to systems and methods for authenticating transactions using a mobile device based primarily on the introduction of a layer of middleware and wherein the Payment Networks, Merchants, Issuing Banks, Credit Reporting Bureaus, Insurance Companies, Healthcare Providers may customize the implementation of the services based on individual strategy and consumer preferences.

The vending machine system automates the distribution of funds via a payment instrument. The system verifies the identity of the user to confirm the proper recipient of the funds. The system applies rules when performing transactions, including the distribution of funds. The system also activates the payment instrument if required. The system also allows a user to void a payment instrument to recapture the funds associated with the voided instrument. The system dispenses the payment instrument and tracks the funds of the payment instrument for the user.

The vending machine system automates the distribution of funds via a payment instrument. The system verifies the identity of the user to confirm the proper recipient of the funds. The system applies rules when performing transactions, including the distribution of funds. The system also activates the payment instrument if required. The system also allows a user to void a payment instrument to recapture the funds associated with the voided instrument. The system dispenses the payment instrument and tracks the funds of the payment instrument for the user.

Decentralized computer systems and methods are disclosed for using a debit network as an intermediary between distributed ledgers. One method includes: receiving, at a first blockchain network from a merchant, transaction information comprising a consumer identification, an issuer identification from a payment vehicle presented for a transaction, and a transaction amount in resources of a first type, wherein the merchant and/or its acquirer are participants of the first blockchain network but the consumer and/or issuer are not participants of the first blockchain network; sending the transaction information to a debit network; identifying, using the debit network, a second blockchain network having the consumer and/or the issuer as participants, using the received consumer identification or issuer identification; and if participants of the second blockchain network accept the transaction, generating a new immutable entry to the second blockchain network indicating a change in the resources of a second type.

Decentralized computer systems and methods are disclosed for using a debit network as an intermediary between distributed ledgers. One method includes: receiving, at a first blockchain network from a merchant, transaction information comprising a consumer identification, an issuer identification from a payment vehicle presented for a transaction, and a transaction amount in resources of a first type, wherein the merchant and/or its acquirer are participants of the first blockchain network but the consumer and/or issuer are not participants of the first blockchain network; sending the transaction information to a debit network; identifying, using the debit network, a second blockchain network having the consumer and/or the issuer as participants, using the received consumer identification or issuer identification; and if participants of the second blockchain network accept the transaction, generating a new immutable entry to the second blockchain network indicating a change in the resources of a second type.

The method has the collection of data from a user to apply for licensing cost reimbursement for a software application. The method processes payments from the user per service terms. The service terms appear in an electronic agreement displayed to the user and cover the user and the customer of the user utilizing the method. The provider pays the user the amount per the agreement less the license cost, per payment schedule billing, and any other fees. The method provides a platform for the user to provide a service, receive payment for the service, and cover the license cost to the user only upon receipt of payment from the user's customer. The invention does not create an independent contractor and an employee relationship with its user.

The method has the collection of data from a user to apply for licensing cost reimbursement for a software application. The method processes payments from the user per service terms. The service terms appear in an electronic agreement displayed to the user and cover the user and the customer of the user utilizing the method. The provider pays the user the amount per the agreement less the license cost, per payment schedule billing, and any other fees. The method provides a platform for the user to provide a service, receive payment for the service, and cover the license cost to the user only upon receipt of payment from the user's customer. The invention does not create an independent contractor and an employee relationship with its user.

A zero-step authentication system and method which uses biometric data to automatically make payments in a secure manner without requiring the customer to handle his or her mobile device. The system and method use a biometrics verification server and a payment facilitation device at the business location which automatically detects and recognizes registered mobile devices, displays a photo of the customer to a business employee for identity confirmation, and automatically deducts payments for purchases from a pre-authorized customer account. The customer account is managed by a payment processing server, which stores the customer account data, makes appropriate deductions, sends confirmation of deductions to the customer's mobile device, and automatically refills the customer's account by making pre-authorized charges to the customer's banking institution.

A zero-step authentication system and method which uses biometric data to automatically make payments in a secure manner without requiring the customer to handle his or her mobile device. The system and method use a biometrics verification server and a payment facilitation device at the business location which automatically detects and recognizes registered mobile devices, displays a photo of the customer to a business employee for identity confirmation, and automatically deducts payments for purchases from a pre-authorized customer account. The customer account is managed by a payment processing server, which stores the customer account data, makes appropriate deductions, sends confirmation of deductions to the customer's mobile device, and automatically refills the customer's account by making pre-authorized charges to the customer's banking institution.

Reconciliation and subscription-model permissions of data stored across independent ledger instances of a database. A system includes a resource manager coupled to a plurality of client accounts. The system includes an execution platform and a shared permissioned ledger comprising independent processing and storage nodes for executing data operations for the plurality of client accounts. The resource manager defines a settlement group comprising one or more client accounts and authenticates an observer node associated with the settlement group. The resource manager assigns ingested data an encryption level on a key hierarchy based on content of the ingested data.