Delegating issuance capability to a third-party of fungible digital assets involves a central (e.g., central bank) processor receiving a request to issue fungible digital assets from a third-party node; verifying the request; validating request to issue fungible digital assets from the third-party; approving or rejecting the request; if the request to issue fungible digital assets is approved, creating an issuance authorization message; executing a smart contract clause to add an entity of the third-party node to a list of authorized entities; publishing the issuance authorization message on a blockchain indicating that a third-party node has been added to the list of authorized entities; and publishing a revocation message on the blockchain revoking an authorization granted to the third-party node to issue digital assets.

An option is set on a payment card of a card issuer. A request for payment for a transaction is received by a payment server of the card issuer from a merchant device/server. The payment server requests and receives a one-time token based on the option. An authorization indicating payment was successful is sent from the payment server to the merchant device/server with a flag set, the token, and a network address. Merchant device/server identifies the flag obtains the token and sends an e-receipt for the transaction along with the token to the network address. The e-receipt accessible from the network address by a consumer associated with the transaction. Furthermore, the e-receipt is obtained by the consumer without registering personal information or contact information with the merchant, which preserves the anonymity of the consumer with respect to the merchant.

A system and method of combining table management software and customer experience skills by generating profiles of patrons, servers, and restaurants by using machine learning algorithms on and location data in those profiles to build more intimate relationships between patrons, food service establishments, and food service professionals. Trait matching provides optimized matchmaking between patrons and servers who share certain commonalities or affinities while also balancing the table management operations. Machine learning algorithms may be used to identify patterns of commonality that would not otherwise be recognized. This system allows patrons to choose servers at an establishment over a plurality of electronic devices by using the cluster analysis results. It provides servers more lateral work experience between participating restaurants, and restaurants more power to operate smoothly and build highly cohesive teams.

A management system includes a user terminal, and a management device that manages data, wherein the management device include a memory; and a processor coupled to the memory and executes a process comprising: requesting remittance of a cryptocurrency that uses a public distributed ledger from the user terminal, upon receiving a request for accessing managed data from the user terminal, and authorizing the user terminal to access the data when a record of clearance of the remittance made by the user terminal is added to the public distributed ledger.

In a method and computer system adapted for performing digital asset donation transactions for nonprofit organizations (NPOs), at least one of one or more computing devices ingests digital donation assets from one or more donors intended for a NPO, and then tokenizes the ingested digital donation assets using stablecoin to provide tokenized assets. The tokenized assets are then processed for transfer via ACH to the NPO.

At an authorization server, a shared secret electronic key may be shared with a second computer. A selection to use a system to complete a transaction may be received from a first computing device. An image may be communicated to the first computing device. A digital representation entered by the user representing the image and a PIN based on the copy of the shared electronic key may be received from the second computing device. The system and method may determine if the digital representation entered by the user on the second computing device matches the image communicated to the first computing device. The system and method may determine if the PIN based on the copy of the shared electronic key from the second computing device is as expected. In response to determining the digital representation entered by the user matches the image and the PIN the second computing device is as expected, the user may be authorized.

A method includes a validation computer receiving an authorization request message comprising a user state and a user proof from a user device. The user state comprises first and second user state elements. The user proof comprises first, second, and third user proof elements. The validation computer computes a first verification value by multiplying the first user proof element raised to the power of the second user state element, and the second user proof element raised to the power of the first user state element. The computer computes a second verification value by raising the second user proof element to the power of the second user state element. The computer compares the first verification value to a first accumulated state element of an accumulated state. The compares the second verification value to a second accumulated state element. The validation computer authorizes the authorization request message based on the comparison steps.

A system supports symmetric release of cryptologically-locked asset transactions. A leading exchange party and a reciprocal exchange party establish, at least in part, a peer challenge in a pre-exchange proposal. The reciprocal party uses the peer challenge to lock a cryptologically-locked asset transaction. The solution to the peer challenge corresponds to an exchange key controlled by the leading exchange party. After establishment of the cryptologically-locked asset transaction, the leading party may request that exchange logic initiate release of the cryptologically-locked asset transaction. In response to the request, the exchange logic may execute a symmetric release of the exchange key and/or signature to the reciprocal exchange party and cryptologically-locked asset transaction (such that the asset is transferred to the leading exchange party).

A system and associated methods display on a user device a non-fungible token (NFT) in an application that displays video data. The methods include storing the NFT of a user in a database accessible to the application, associating an ID of the user for the application to the NFT, and receiving a selection of the NFT during use of the application. Upon selection, the selected NFT is provided to the user device for superimposing the selected NFT over the user's face, providing the selected NFT as a background image for the video data on the user device, or both. The user device includes a web application that connects the database to a crypto wallet containing the NFT. The NFT may be processed to crop out the eyes and mouth of the NFT for registration with the user's eyes and mouth when the NFT is superimposed over the user's face.

Systems, computer program products, and methods are described herein for enhanced authentication using voice modulation matching. The present invention is configured to capture, via a first user input device, a digital audio stream of speech data of a first user; receive one or more identification credentials associated with the first user; encode the speech data to generate encoded speech data; query one or more data repositories using the encoded speech data; in response, retrieve, encoded speech data associated with a second user that matches the encoded speech data of the first user; determine that the first user has a familial relationship with the second user; generate an authentication token for the first user based on at least determining that the first user has a familial relationship with the second user; and record the authentication token for the first user in a distributed ledger associated with the second user.