To manage property records using a multi-layered hybrid distributed ledger architecture, identification information for a particular property is obtained and transmitted to at least one participant in a public distributed ledger network for a public distributed ledger layer. Ownership information for the same particular property is obtained and transmitted to at least one participant in a federated distributed ledger network for a federated distributed ledger layer. Transaction-related documents for the same particular property are obtained and transmitted to at least one participant in a private distributed ledger network for a private distributed ledger. The distributed ledger layers are different layers of a property distributed ledger each having a separate set of consensus rules for appending distributed ledger data to the respective layer. This allows for the immutable preservation of royalty terms and conditions for a property or asset using the distributed ledger.

A real-time third-party payment system accepts payments to a lender from third-party merchants in real-time. The payment system may receive real-time payment information from the third-party, and various services within the payment system validate the customer account information, create a payment, store the payment in a database, and post the payment to a real-time ledger. The payment system may also receive an end-of-day file including file-based payment information. The file-based payment information may be verified against the real-time payments stored in the database. Upon validation, the payment system creates a file based payment and posts the file-based payment to a file-based ledger. The payment system may detect fraud, errors, and other discrepancies in real-time payments and make corrections based on settlement rules and self-healing rules provided by the third-party.

Provided is a graph data processing method, including: acquiring a degree of association of each node in a network graph; splitting the network graph to obtain a dense subgraph according to the degree of association of each node; determining stable nodes in the network graph and coreness of the stable nodes based on the dense subgraph, the coreness of the stable nodes being greater than a preset threshold; obtaining a sparse subgraph in the network graph according to the preset threshold, and remaining nodes in the network graph other than the stable nodes and connecting edges between the remaining nodes; and determining the coreness of each node in the sparse subgraph based on the sparse subgraph and the stable nodes.

A peer-to-peer terminal includes a bid data obtaining unit, a bid data transmitter, a contract result calculator, a contract result transmitter, a contract result receiver, and a contract result selector. The bid data obtaining unit obtains bid data. The bid data transmitter transmits the bid data to another peer-to-peer terminal. The contract result calculator calculates a contract result from a bid data set obtained by the bid data obtaining unit and including the bid data. The contract result transmitter transmits the contract result to the other peer-to-peer terminal. The contract result receiver receives, from the other peer-to-peer terminal, another contract result calculated by the other peer-to-peer terminal. The contract result selector selects one contract result from among the contract result and the other contract result.

The present disclosure is related to a computer-implemented method, card processing server, and non-transitory computer readable medium for determining a merchant location using a virtual card, in real-time. A card processing server may receive test transaction data from an acquirer bank of a merchant when a test transaction is initiated through a virtual card provided to the merchant. The card processing server may detect a record of the test transaction in a transaction database, in real-time, using one or more attributes of the virtual card stored in the card processing server and may retrieve signature data from the test transaction data upon detecting the record of the test transaction. Finally, the card processing server determines a transaction source data location of the merchant at which the test transaction was initiated and a registered name of the merchant based on the signature data.

A system for blockchain-based unique identifiers and decentralized payments including a first computerized system that includes a unique identifier, a second computerized system including a gateway device that can communicate with a blockchain network, generate a transaction to transfer a token value responsive to receiving the unique identifier and synchronize the generated transaction to the blockchain network. One of the first computerized system and the second computerized system is installed in a vehicle and the other is installed in a fixed structure.

A system for tracking exchange of energy, includes: a memory that stores energy information generated by each node of a plurality of nodes in a blockchain network, the energy information indicating a production method used for producing the energy and an issuance status of a certificate that certifies the production method; and circuitry that receives, from an information processing apparatus, issuance request information requesting issuance of the certificate for the production method of energy, and determines an issuance status of the certificate for the production method of energy, based on the issuance request information that is received.

A virtual transaction account may be issued to a designated recipient, wherein authorization limits may limit the duration, availability, value, and functionality of the virtual transaction account. The virtual transaction account may be linked and depend from a parent transaction account, and contain similar payment functionalities as a credit card. The virtual transaction account may be unilaterally issued by a program administrator, without the need to request issuance from an issuer.

Disclosed are various embodiments for frictionless payment. A computing device obtains a document with native format transaction data from a merchant device, and determines a bill based at least in part on the native format transaction data and a trained predictive model. The computing device determines payment methods available for payment of the bill via a client device. The computing device generates a network page that can cause payment of the bill to be initiated by one of the payment methods that is unassociated with a user providing payment card information or personal information to the merchant, and transmit an indication to the merchant device that the bill was paid.

A system including: a processor; and a memory having stored thereon instructions that, when executed by the processor, controls the processor to: receive a receipt request for a transaction from a remote device, the receipt request comprising a merchant identifier, a transaction amount, and a transaction date and time; query the receipt database for a receipt record corresponding to the transaction based on the merchant identifier, the transaction amount, and the transaction date and time, the query being conducted without the benefit of sensitive information; in response to identifying a receipt record corresponding to the transaction, retrieve the receipt record corresponding to the transaction from the receipt database; and output for transmission the receipt record to the remote device.