In one aspect, an apparatus for setting a dynamic user/issuer pairing is provided, comprising: at least one processor; and at least one memory including computer program code; the at least one memory and the computer program code configured to, with the at least one processor, cause the apparatus at least to: send transaction details and an account identifier to a plurality of issuer servers belonging to a corresponding plurality of issuers, the transaction details relating to a transaction initiated by a user and the account identifier identifying the user; receive issuer fee bids submitted by one or more issuers who have received the transaction details and the account identifier, the one or more issuers being those available to conduct the transaction; and analyze the issuer bids based on predetermined criteria associating with the account identifier to present to the user at least one issuer among the one or more issues who have submitted the issuer bids.

The present system is a payment network that implements an ecosystem in which banks can issue financial products (e.g. credit cards, debit cards, and the like) and customers are able to pay in any commerce without the need for card association networks. The streamlined nature of the system allows interchange fees to be substantially reduced over current systems. In addition, the system is all digital, so that physical security features are not required. The system provides an application for a customer that can be used on a mobile phone or other computing device, downloadable point-of-sale (POS) applications that can be used for commerce, and a web based POS application for commerce. The customer application includes a marketplace and an e-wallet in one embodiment. The customer can use the marketplace to acquire and link financial products produced by the banks with the customer's e-wallet.

A system is provided for the generation and management of Non-Fungible Tokens (NFTs) for supporting an institution is provided. The system has a processor for generating at least one NFT, the NFT being associated with at least one artwork. The NFT includes at least a first set of coding identifying the at least one artwork, at least a second set of coding setting a first allocation of funds from an initial sale of said NFT to a first patron to said institution for said at least one artwork; and at least a third set of coding setting a second allocation of funds from a subsequent sale of the NFT, by a first patron to a second patron, to the institution for the at least one artwork. The NFT is configured to be sellable on an ongoing basis, such that for each subsequent sale of the NFT from the purchase by the second patron, and including all subsequent purchases by additional patrons, results in at least a portion of the subsequent sales being diverted to the institution.

Cryptocurrencies may be used within the current Four Party Model to settle transactions between a merchant and a consumer who may use or accept fiat and/or cryptocurrency. An intermediary wallet entity may assume the risk of cryptocurrency transactions. For example, a fiat-fiat transaction may follow the usual settlement process of the Four Party Model. In a crypto-crypto transaction, settlement may occur in real time. But in a fiat merchant/crypto customer transaction, settlement may be made from the customer's crypto wallet to an intermediary wallet. Fiat settlement would then occur between the intermediary and merchant following the Four Party Model. In a crypto merchant/fiat customer transaction, a transfer may be made from the intermediary wallet to the merchant's crypto wallet. Fiat settlement between the customer's bank (issuer) and intermediary can happen in the usual settlement process.

A non-fungible blockchain token (NFT) transferable from wallet to wallet on a blockchain represents ownership of a physical diamond custodied in a secure vault. The NFT can be sold and resold to investors wishing to use the diamond as a store of value. The NFT owner, who may only be known by a blockchain wallet address, can communicate with the custodian, the issuer, auditors, and more by writing signal messages into the blockchain NFT. A diamond custody controller unit at the custodian includes a trusted program module to handle private cryptographic key functions and to output retrieval and shipping instructions when a signal message indicates the NFT owner instructs the custodian to move the diamond to a new custodian. The NFT owner can also write signal messages into the NFT to instruct other parties, such as auditors, to perform services relating to the diamond.

Methods of performing transactions with a payment card comprising an integrated circuit are disclosed comprising interacting with an integrated circuit on a received payment card and inferring an application corresponding to a card brand and card type of the payment card, or retrieving a map of the integrated circuit to read records on the integrated circuit based on the map, are disclosed. Corresponding devices, such as PIN pads, and computer products are also disclosed.

The present invention is a system and method for an information, network, financing, commercialization, and monetization platform that promotes global innovation discovery, commercialization and adoption by individuals, small, and medium sized innovators. The present invention leverages the efficiency of artificial intelligence and decentralization to increase global innovation by individual, small and medium sized innovators and encourages global adoption by providing access to information, analytics, capital, resources, a trusted network, and global partners. The present invention is a platform that offers a token that is released to the innovator based on the quality and rating of their innovation that can then be used by the innovator to develop, commercialize, and promote adoption of their innovation. The present invention is driven by proprietary Artificial Intelligence and blockchain technologies.

A Thing Machine is provided having a processor, non-transitory memory, non-transitory computer readable media, and performable machine code P(TM). The P(TM) is comprised of a first set of performable machine code actions, having one or more performable machine code P(TM(i)) action, wherein each performable machine code P(TM(i)) action is configured as an implementation of an algorithmic procedure of a model, wherein a first P(TM(i)) provides an action of self-configuring a first vocabulary of Things in said non-transitory memory of the Thing Machine, said Things representative of Things that said processor can perform as actions, and the set of Things an action can act upon, and wherein at least one P(TM(i)) machine code action is performed to configure a second vocabulary of Things in the non-transitory memory of the Thing Machine representative of a core vocabulary through which an application can be provided.

A computer-implemented method includes: transmitting, by a mobile device, to a mobile wallet computer system, an indication that a user of the mobile device wishes to perform a mobile wallet transaction to transfer funds to a merchant; receiving, by the mobile device, an amount of merchant rewards that are available for the user to use at the merchant; displaying, by the mobile device, the amount of merchant rewards; receiving, by the mobile device, an indication that the user wishes to apply at least a portion of the available rewards to the transaction; and, transmitting, to a merchant computer system, the indication that the user wishes to apply at least a portion of the available rewards to the transaction. The merchant rewards are applied to the transaction prior to submitting the transaction to a card network computer system, and no physical rewards card is used to complete the transaction.

Embodiments provide methods, and server systems for enhancing online payment transaction experience. A method includes receiving, by a server system associated with a payment network, a tokenization request based on selecting a payment card of a plurality of payment cards of a user from a payment application running on a user device for processing an online payment transaction using the selected payment card at a merchant payment interface on the user device. The tokenization request includes a card information of the selected payment card. The method includes facilitating generation of a digital token. The digital token includes a tokenized card information of the selected payment card. The method includes provisioning the digital token in a floating widget at the merchant payment interface on the user device. The floating widget enables the user to enter the digital token at the merchant payment interface for processing the online payment transaction.