In a blockchain network, a “cold wallet” allows users to securely create and store their private key and sign their transaction data only when the wallet is completely offline. When a user requests a transaction, a user key tag that identifies the user's key is determined. The transaction data and the user's key tag are transmitted to a cold wallet that includes an HSM Trusted Client and an HSM over a first one-way communication channel during a window in a first sequence of connection windows. Inside the cold wallet, the HSM Trusted Client uses the user key tag to determine an encrypted version of the user's signing key. During a processing window, the transaction data and encrypted signing key are transmitted to the HSM, where a cleartext key is recovered and used to sign the transaction, and the signed transaction is transmitted back to the HSM Trusted Client. During a second connection window, the signed transaction is transmitted from the HSM Trusted Client for transmission to the blockchain network. The processing and connection windows do not overlap. The one-way communication paths combined with the non-overlapping connection and processing prevent unauthorized access to the signing keys.

Techniques described herein are directed to integration of platforms for multi-platform content access. In an example, a user may request access to access-restricted content. A payment application on the user device that requested access may communicate with an associated payment service to automatically pay for the access without requiring additional user input, or may request the user to confirm that the payment is desired. This may be performed across content provider platforms and in a way that allows subsequent access to the content regardless of the platform used to request the content.

An example operation may include one or more of storing, within a blockchain, a request comprising an identifier of content and a value of a user who created the content, detecting consumption of a reusable instance of the content by a second user, designating fractional values of the content to the first and second users based on the detected consumption of the reusable instance, and storing, within the blockchain, a second request comprising an identifier of the reusable instance of the content, identifiers of the first and second users, and the designated fractional values of the content to the first and second users.

Systems and methods are provided for group bill payment comprising creating a secure group bill payment account associated with a plurality of group members. The group bill payment account may be configured to receive information via a network from the plurality of group members; permit a group member to manage the group bill payment account following an authentication process; and transmit a group payment to a provider. Systems and methods may further comprise receiving instructions from a group member to create a rule for requesting payment, the bill being from a provider and associated with group members; receiving the bill issued by the provider; determining a charge based on the bill and the rule; sending a payment request based on the charge; receiving a deposit into the group bill payment account; transmitting a group payment; and sending a notification.

The present disclosure generally relates to techniques for managing contextual transactions. In some examples, at a sender electronic device, a first user provides authorization to purchase an item for a second user. In some examples, at a recipient device, the second user selects one or more attributes for the item and requests to claim the item. In some examples, an electronic device displays a representation of an item and a purchase affordance for purchasing the item using a payment system that is available on the electronic device.

Systems and methods for predicting forward market pricing for renewable energy credit based on human behavioral data are disclosed. An example transaction-enabling system may include a forward market circuit to access a forward energy credit market and a market forecasting circuit to automatically generate a forecast for a forward market price of an energy credit in the forward energy credit market where the forecast is based at least in part on a human behavior information collected from at least one human behavioral data source. The example system may further include wherein the energy credit includes a renewable energy credit associated with a renewable energy system, and a smart contract circuit to perform at least one of selling the renewable energy credit or purchasing the renewable energy credit on the forward energy credit market in response to the forecasted forward market price of the energy credit.

A system is described to create customized unique identification (UID) codes combined with customized printable optical or NFC sensors and to combine these unique sensors and unique IDs with unique environmental events, traceability, unique data from cell phones (including geolocation) and person-specific unique indicators such as biomarkers to create completely unique, low cost and proprietary printable genomic and environmental blockchain sensor networks for the Internet of Things (IoT), counterfeit identification, healthcare, pharmaceutical applications and small payment transactions worldwide.

One embodiment of the invention is directed to a method comprising, receiving, by a server computer, a request to establish a group identifier for a group. A group identifier is generated for the group. Group invitations to join the group are transmitted and group invitation responses are received. The method further comprises receiving, by the server computer, confirmations to share a group transaction. A plurality of messages are initiated, the plurality of messages corresponding to the plurality of confirmations, where the plurality of messages result in an initiation of a single message to a third-party, the third-party computer being configured to conduct the group transaction according the single message.

Merchants may desire to save for a variety of reasons, such as to purchase a new piece of equipment for use at the merchant, to pay vendors for services provided to the merchant, to set up a “rainy-day fund”, or the like. As such, described herein are techniques and arrangements for helping a merchant reach its savings goals by automatically saving, for the merchant, a portion of each transaction made by the merchant at a point-of-sale (POS) device of the merchant.

A method of effecting a transaction with a micropayment platform that includes a merchant-participant, a consumer-participant, a micropayment system, and a distributed ledger, the method includes receiving by the micropayment system from the merchant-participant a digital promise to pay document (DPP), validating the DPP by the micropayment system, the DPP including at least a payable amount, which includes an amount payable to the merchant-participant; sending a message to the merchant-participant indicating that the amount payable to the merchant-participant is available by checking an account associated with the consumer-participant; creating a transaction file based on the DPP, and recording the transaction file in the distributed ledger by the micropayment system; debiting from the account associated with the consumer-participant an amount corresponding to the amount payable to the merchant-participant; crediting an account of the merchant-participant with an amount indicated to be payable to the merchant-participant.