Systems and methods for establishing and fulfilling a smart contract between users and service providers are disclosed. A method includes creating, by one or more nodes in a computer network, a smart contract in response to a request from a user for services and providing the smart contract to a blockchain. The method then includes notifying service providers of the smart contract and receiving responses to the notifications from the service providers. Then the method includes identifying one or more service providers that can complete the service. The method then includes updating the smart contract to include data about the identified service providers. The updated smart contract includes account information for a user account of the user, and account information for service provider accounts of the identified service providers. Then a value interaction is initiated that pushes value from the user account to the service provider accounts.

Systems and methods for scalable biometric authentication are disclosed. In one embodiment, a method for scalable biometric authentication may include: (1) receiving, by a biometric authentication computer program executed by a computer processor, a transaction request for a transaction comprising a received biometric; (2) identifying, by the biometric authentication computer program, a subset of likely customers from a set of customers for the transaction; (3) retrieving, by the biometric authentication computer program, stored biometrics for the subset of customers; (4) identifying, by the biometric authentication computer program, one of the stored biometrics for the subset of customers that matches the received biometric; and (5) retrieving, by the biometric authentication computer program, a stored payment method for the identified stored biometric.

A method, apparatus, and system of activating and using a contactless card are disclosed. A method includes receiving a transaction card application for a contactless transaction card from an applicant; issuing a contactless transaction card based on the transaction card application, wherein the contactless transaction card comprises a uniform resource locator (URL) embedded thereon; and activating the contactless transaction card in response to receiving information from a contactless communication between the contactless transaction card and a customer device, wherein the contactless communication causes access to a web site associated with the URL.

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 biometric token is generated for a user and provided to a user-operated device. A pre-staged transaction is defined by a user and the user supplies the token for association with the pre-staged transaction. Subsequently, a user visits a transaction terminal and a new candidate token is generated from biometric attributes of the user. The candidate token is matched to the token associated with pre-staged transaction to authenticate the user and the pre-staged transaction is processed at the transaction terminal as a completed transaction.

A processing unit and a mobile identity information controlled financial account device may communicate. The processing unit receives at least one digital representation of a biometric, obtains identity information using the at least one digital representation of the biometric, and determines whether or not to transmit an authorization signal to the mobile identity information controlled financial account device that enables use of the mobile identity information controlled financial account device in at least one transaction involving at least one financial account. The mobile identity information controlled financial account device may be usable for the at least one transaction when the mobile identity information controlled financial account device receives the authorization signal. The processing unit may also receive a first digital representation of a biometric for a first person along with at least one permission to assign regarding the mobile identity information controlled financial account device for a second person.

A method including receiving a request based on a sender initiating a funds transfer. The funds transfer can be for the sender to make a payment to a non-financial institution. The sender can have a sender account at a sender financial institution. The non-financial institution can have a recipient account at a recipient financial institution. The method also can include facilitating obtaining sender identifying information from the sender. The method additionally can include facilitating sending at least (a) the sender identifying information, (b) a recipient public identifier of the non-financial institution, and (c) a payment amount for the payment to the sender financial institution to cause the sender financial institution to (i) determine a funds availability of the sender account to make the funds transfer for the payment amount and (ii) send a funds transfer request to a computer-implemented funds transfer network to make the payment from the sender account at the sender financial institution to the recipient account at the recipient financial institution. The funds transfer request can include the recipient public identifier and the payment amount. The funds transfer request does not include an account number of the recipient account. The computer-implemented funds transfer network can include a first directory mapping the recipient public identifier to a recipient private identifier. The computer-implemented funds transfer network can be configured to send the recipient private identifier to the recipient financial institution to enable the recipient financial institution to map the recipient private identifier to the account number of the recipient account and make funds available to the recipient account in real-time for the payment. The computer-implemented funds transfer network can be operated by an entity that is different from the recipient financial institution and the sender financial institution. Other embodiments are disclosed.

A system, method, device, and platform for managing data. Data associated with a user received from one of a number of sources. The data is automatically confirmed as applicable to a user. The data is added to a data set associated with the user. A determination is made whether the data set is complete after adding the data to the data set. One or more tokens are created based on the data set of the user.

An exemplary system, method and computer accessible medium can include receiving an authorization token related to a customer(s), determining a client identification (ID) associated with the customer(s) based on the authorization token, and determining access to a microservices(s) based on the client ID. An application for a loan(s) from the customer (s) can be received based on the client ID and the loan(s) can be associated with an application ID(s). A further authorization token related to a further customer(s) can be received, a further client ID can be determined based on the further authorization token, a determination can be made as to whether the further client ID has access to the application, and access to the application can be granted to the further customer(s) if the further client ID is determined to have access to the application.

Methods and systems pertaining secure transaction systems are disclosed. In one implementation, a computer with a verification token associated with a computer can send user authentication data as well as a secure datum to a control server. The verification token may obtain the secure datum from a validation entity. The control server can validate the secure datum and authentication data and can generate a payer authentication response.