A user device may detect an age associated with a first user account meets or exceeds an age threshold. If so, the user device may present a conversion option to enable conversion of a restricted mobile payment account to a new primary mobile payment account. The user device may then communicate with a payment service to verify an identity of a user of the user device. The user device may then receive a communication indicating successful creation of the new primary mobile payment account.

What is disclosed is a system for accessing the value of real property. The system includes a real property; a computer readable medium for storing a computer program; a graphical user interface for viewing the real property and a value of the real property; a blockchain ledger, that records and stores information and transactions; cryptocurrency coins; a governing entity with authority over the possession; an issuing entity, which creates and issues cryptocurrency. The computer program communicates with the blockchain, and the computer program and blockchain are adapted to communicate with the governing entity and the issuing entity. Once the property has been entered into the program the governing entity authorizes the issuing entity to create cryptocurrency coins and issue those cryptocurrency coins to the owner of the possession. The computer program ensures that the cryptocurrency coins are recorded in the blockchain ledger.

A facility for facilitating payments from a client to a freelancer is described. The facility provides a mobile app enabling the freelancer to open an account and solicit payments by clients. In response, each client can use any of a variety of forms of electronic payments to pay into the account. The freelancer can use a debit card issued for the account to spend or withdraw payments made into the account, and can use the app to track requests for payment, payments, client activity, and spending and withdrawals from the account.

Systems as described herein may visualization interest charges based on payment options. Transaction information associated with a plurality of recurring payment accounts may be received. A calendar view displaying an aggregated daily balance and an aggregated interest charge may be generated. Upon receiving a transaction request with a transaction amount, a projected aggregated daily interest charge may be generated in real-time. After detecting that the projected aggregated daily interest charge exceeds a threshold amount, an alert associated with the calendar view may be generated to recommend an alternative payment method to a user device.

Systems and methods for determining the impact of a modification made to an API is provided. The system may include an association rule learning subsystem and a recommender subsystem. The association rule learning subsystem may receive input from an API, a metadata processor and a plurality of production logs. The API may include a plurality of API elements. The association rule learning subsystem may link each API element with one or more data elements retrieved by the metadata processors based on data retrieved from the plurality of production logs. The association rule learning subsystem may create and output a tree of API elements and linked data elements. A recommender subsystem may receive the tree. The recommender subsystem may prioritize the data elements included in the tree based on data element severity, data element frequency and data element complexity. The recommender subsystem may select a prioritized subset of the data elements.

Computer-implemented systems and processes may provision, in real-time, targeted, event-specific digital content based on decomposed, structured message data and peer data. For examples, an apparatus may receive a message associated with an exchange of data involving a first counterparty and a second counterparty. The message may include elements of message data that characterize a real-time payment from the second counterparty to the first counterparty, and based on the elements of message data, the apparatus may determine a value of at least one parameter that characterizes the first counterparty and may obtain elements of peer data that are consistent with at least one parameter value. The apparatus may transmit notification data that includes digital content associated with at least one of the elements of peer data or the at least one parameter value to a device operable by the first counterparty, which may present the digital content within a digital interface.

A computer system for providing reimbursement controls to insurance policies is provided. The computer system may include a processor in communication with a memory device. The processor may be configured to: (i) generate a plurality of predesignated policy levels having a maximum reimbursement amount for a user based at least in part upon user data, (ii) prompt the user to select a predesignated policy level of the plurality of predesignated policy levels that includes an insurance policy covering one or more item categories up to the associated maximum reimbursement amount, (iii) store the selected predesignated policy level, (iv) receive a claim from the user, (v) determine, in response to the claim and based at least in part upon the selected predesignated policy level and the associated maximum reimbursement amount, an actual reimbursement amount for each insured item category of the one or more item categories, and (vi) provide a payment device to the user having reimbursement controls that provide the actual reimbursement amount by insured item category.

Disclosed are methods, systems, and non-transitory computer-readable medium for conducting an electronic savings competition. A method may include receiving a competition request including at least one goal, generating a competition in which participants each progress toward the at least one goal, and transmitting one or more competition invitations to participate in the competition to one or more user devices associated with one or more users. The method may further include receiving competition invitation acceptances, registering each user as one of the participants in the competition, and monitoring electronic records associated with the participants in the competition for an indication of progress toward the at least one goal. In response to detecting an indication of progress toward the at least one goal or an indication of completion of the goal, the method may include evaluating standings and determining a winner of the competition.

Aspects of the disclosure relate to processing asset transfers. A computing platform may receive an asset transfer request, and may modify a distributed ledger to include a new block corresponding to the asset transfer request. The computing platform may identify, for each of a plurality of consensus methods, a subset of existing blocks that, when used to perform the corresponding consensus method, uses a minimum number of the existing blocks to perform the corresponding consensus method. The computing platform may store, in the distributed ledger, block combinations having the minimum number for each of the plurality of consensus methods, and may execute, using each corresponding identified subset of the existing blocks, each of the plurality of consensus methods. Based on establishing the consensus, the computing platform may direct an event processing platform to process the asset transfer request, which may cause the event processing platform to process the request.

A computer-implemented method is disclosed. The method includes: receiving, via a client device, a request to configure a resource transfer of a first type; determining a first set of themes associated with resource transfers of the first type; and providing, for display on the client device, a user interface for configuring the resource transfer with theme data for a theme, wherein providing the user interface includes: displaying at least a subset of the first set of themes; receiving, via the client device, a selection of one of the themes of the displayed subset; obtaining an indication of available multimedia content items associated with the selected theme; and graphically presenting user interface elements corresponding to the multimedia content items via the user interface.