Method to generate onboarding flow for application starts with on-boarding server receiving request from electronic device to activate application. On-boarding server determines whether request is initial request. Request is determined to be initial request when minimal set of information associated with user is not stored in on-boarding server. When request is determined to be initial request, on-boarding server signals to electronic device to display request for minimal set of information associated with user which includes at least one of: user identification, legal name, phone number, or email address. Minimal set of information associated with user is then received and stored in on-boarding server. On-boarding server signals to allow initial access to application. Signaling to allow initial access includes signaling that user requires access to payment processing hardware to process user's physical payment instrument. On-boarding server receives default payment information entered using payment processing hardware. Other embodiments are also described.

A virtual payment system for paying for goods, services and content ordered over an internetwork is disclosed. The virtual payment system includes a commerce gateway. Buyers and sellers becomes registered participants by applying for virtual payment buyer and seller accounts. Once an account is established with the commerce gateway, a digital certificate is stored on the registered participant's computer. A buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies the commerce gateway, which applies the charges to the buyer's virtual payment account. The buyer can settle the charges using a prepaid account, a credit account, or by using reward points earned through use of the virtual payment account. A buyer may create sub-accounts.

A method, a computer device, and a non-transitory computer-readable recording medium for preventing an erroneous deposit of cryptocurrency are provided. A method of preventing an erroneous deposit of cryptocurrency includes providing an interface for inputting transaction request information including a target coin and a wallet address; verifying at least one of the target coin and the wallet address using a trading environment of a target exchange corresponding to the transaction request information; and processing a transaction according to the transaction request information based on a verification result.

A method, a computer device, and a non-transitory computer-readable recording medium for preventing an erroneous deposit of cryptocurrency are provided. A method of preventing an erroneous deposit of cryptocurrency includes providing an interface for inputting transaction request information including a target coin and a wallet address; verifying at least one of the target coin and the wallet address using a trading environment of a target exchange corresponding to the transaction request information; and processing a transaction according to the transaction request information based on a verification result.

A system, method, and apparatus for decentralized e-commerce and related transactions are provided. A computing system is configured to generate buyer and seller digital wallets on a distributed ledger, receive listings for products sales from a seller electronic device, display listings for sale, and receive requests to purchase any of the listings from a buyer electronic device. A computing system is configured to chain a new block of data to a previous block of related data each time an inquiry, transaction, or other interaction with data contained with a digital wallet, such as currency or product or service listings, are received. The computing system is further operative to authenticate, display, and even translate communications transmitted and received by and between buyer/seller user electronic devices.

Disclosed in some examples are methods, systems, and machine readable mediums for providing P2P lending through mobile wallets. The P2P lending may utilize a central registry or be a fully distributed P2P system. In some examples, the use of a network accessible P2P loan service may simplify the discovery and communication with other mobile wallets throughout the process of obtaining a loan.

Disclosed in some examples are methods, systems, and machine readable mediums for providing P2P lending through mobile wallets. The P2P lending may utilize a central registry or be a fully distributed P2P system. In some examples, the use of a network accessible P2P loan service may simplify the discovery and communication with other mobile wallets throughout the process of obtaining a loan.

An integration system for a system of platforms includes an orchestration platform, a blockchain transactional platform, a digital transactional platform, a merchant system, a user trust platform, and one or more user devices connected to each other and a distributed ledger and/or a secondary mesh network via one or more networks. The blockchain transactional platform performs accesses and performs actions on the distributed ledger and/or the secondary mesh network. The digital transactional platform maintains transactional data indicative of an amount of first-domain value correlated to a user. The blockchain transactional platform maintains blockchain transactional data indicative of an amount of second-domain value correlated to the user. The orchestration platform manages data exchange, synthesis, fusion, analysis, and transformation between the components of the system, including for the orchestration of transactions.

A network electronic device, method, and computer program product facilitate receiving, via a network interface and a network, transaction information originating from at least one of a merchant electronic system and a consumer electronic device associated with a hard currency transfer from a consumer to a merchant. In response to determining that the hard currency transfer is more than a full transaction amount, a controller of the network electronic device debits a merchant account balance in the digital currency accounting system associated with the merchant to correspond to an excess amount of the hard currency transfer. The controller credits a consumer account balance in the digital currency accounting system associated with the consumer to correspond to the excess amount of the hard currency transfer. The controller communicates an updated balance to at least one of the merchant electronic system and the consumer electronic device to conclude an associated transaction.

The present invention relates to a method, system, and computer program product for facilitating sharing of desired items stored in a digital wallet for gifting purposes. The invention includes selection of items by users to be saved in their digital wallets and sharing of the wallet and items saved therein with other users such as friends, relatives and others. The other users can view the content of the shared wallets and can purchase one or more items for gifting. The invention also includes registration of the sellers for listing items for sale at a discounted price, along with a percentage sharing with the server used in the digital wallet.