A computer-implemented method for allowing purchase of virtual gift cards includes receiving a communication indicating a gift card type and specifying a value amount. Responsive to the communication, a purchase of a virtual gift card of that type and storing that value amount is processed. This processing includes processing a payment for the specified value amount. Further, a gift card merchant application programming interface (API) capable of processing a purchase of a virtual gift card of the indicated gift card type is identified from amongst a set of such APIs. That API is used to initiate purchase of the virtual gift card. After the purchase is processed, an indication of the purchased virtual gift card is sent to a mobile computing device. The mobile computing device uses the indication to configure itself to allow transactions using the purchased virtual gift card to be initiated. Fraud detection may also be performed.

Various embodiments are generally directed to continuous authentication of a user to a digital service based on activity of a contactless card positioned proximate to a computing device on which the digital service operates. For example, a series of periodic status messages may be provided between a client device and the contactless card to verify whether the contactless card remains active, wherein authorization to access the digital service continues while the contactless card is active, and terminates when the contactless card is inactive.

Some embodiments may provide systems, methods and computer program code to method to facilitate an interaction involving a user which include determining that a user authentication is required to complete the interaction, identifying at least a first verified device associated with the user, and transmitting an authentication message to the at least first verified device.

Method and system of performing transactions with a payment card in a managed integrated payment environment comprising an integrated circuit are disclosed comprising interacting with an integrated circuit on a received payment card to obtain card data by a payment terminal and determining whether full online transaction processing of the card data is required. If full online transaction processing of the card data is required, the card data is sent to a point-of-sale terminal, which sends the card data and a transaction total for the transaction to a merchant gateway, which obtains approval or denial of the transaction. The approval or denial is provided to the PIN pad by the merchant gateway via the point-of-service terminal. The PIN pad also receives transaction data and sends the transaction data and card data to a services processor to collect metadata, perform fraud and security checks, and/or encrypt the card data.

This disclosure describes, in part, techniques for automating transfers of funds from a deposit account of a user to a savings account of the user based on historical transaction data associated with the deposit account. Using historical deposits and withdrawals from the deposit account, a prediction may be made regarding deposits to, and withdrawals from, the deposit account that will occur in a future period. Based on that that information and a balance to maintain in the deposit account for the duration of the future period, the amount of funds to transfer from the deposit account to the savings account may be determined. The techniques may further include transferring the funds to the savings account once determined.

A method for securing an interblockchain transaction includes receiving, from a first user application, a registration request including a first permissioned blockchain public key and a first permissionless blockchain public key. The method also includes performing, by the processing circuitry, receiving, from a second user application, a second registration request including a second permissioned blockchain public key and a second permissionless blockchain public key. The permissioned blockchain public keys are valid on the permissioned blockchain and the permissionless blockchain public keys are valid on the permissionless public blockchain. In addition, the method includes receiving, from the first user application, a transaction identification, the transaction identification identifying a first transfer transaction executed on the permissionless public blockchain. The transaction identification identifies the first and second permissionless blockchain public keys.

A method for securing a cryptocurrency transaction on a permissioned blockchain, which involves cryptocurrencies of a permissionless public blockchain, includes receiving a join request including a transaction identification. The transaction identification identifies an enroll transaction involving a public smart contract deployed on the permissionless public blockchain, the enroll transaction identifying a permissioned blockchain public key being valid on the permissioned blockchain and transferring a cryptocurrency balance to the public smart contract. The method further includes verifying that the enroll transaction was properly executed, crediting an account corresponding to the permissioned blockchain public key with the cryptocurrency balance, and receiving a send request identifying a second cryptocurrency balance and a second permissioned blockchain public key being valid on the permissioned blockchain. The method also includes transferring the second cryptocurrency balance from the permissioned blockchain public key to the second permissioned blockchain public key.

A secure cryptocurrency transactional system for actuating transactions involving electronic gaming machines and cryptocurrency wallets.

A system and method for payment of services, especially health care services, at fixed prices allows a user to purchase a service card that is accepted by a service provider for full payment of a service. A card manager holds funds from the sale of the card and releases the funds to a service provider when documentation that the service has been provided is received.

A system and method for payment of services, especially health care services, at fixed prices allows a user to purchase a service card that is accepted by a service provider for full payment of a service. A card manager holds funds from the sale of the card and releases the funds to a service provider when documentation that the service has been provided is received.