A method for automatically re-processing a transaction in an electronic payment processing network independent of a merchant system or a user includes: receiving a first transaction message associated with a payment transaction; generating a first authorization request; communicating the first authorization request to an issuer system; in response to determining that the first authorization request failed, automatically determining a second payment device associated with the user based on profile data; automatically generating a second authorization request associated with the transaction; communicating the second authorization request to a second issuer system; and in response to determining that the second authorization request was approved by the second issuer, processing the transaction based on the transaction data and the second account data.

An ecosystem is configured to facilitate digital exchange of digital assets in a digital asset marketplace. The ecosystem includes one or more of a plurality of participant systems selected from a list of participant systems including asset user systems, asset holder systems, and asset mining systems. The ecosystem operates on a computer-executable asset wrapper that is associated with the digital asset and that is configured in the form of a multi-layered structure. The ecosystem also includes a codec that is associated with the asset wrapper and configured as a computer executable file. The codec is executed responsive to a request for an exchange on the marketplace that is associated with the digital asset. The ecosystem further includes a blockchain device to execute a blockchain smart contract for the asset exchange. The blockchain smart contract is executed against a set of right tokens characterizing a specific cryptocurrency value.

Methods, systems, and apparatus for risk mitigation for a cryptoasset custodial system include transmitting an endorsement request for a cryptoasset transaction to a user device configured to cause the user device to prompt a user to endorse the cryptoasset transaction. Multiple data points are collected from mobile devices associated with the user. The data points indicate an identity of the user. A cryptographic endorsement of the cryptoasset transaction is received from the user device. A graphical visualization including a risk metric is generated based on the data points. The risk metric indicates a risk of accepting the cryptographic endorsement from the user device. Generating the graphical visualization includes determining whether the plurality of data points matches expected values.

Methods, apparatus and systems for verifying coin ownership are disclosed. In an embodiment, a coin service provider identifies an online session initiated by a wallet application and a next coin to verify, receives information associated with the next coin from a wallet application, determines that ownership of the next coin was transferred out of the wallet application since the last time coins in the wallet application were verified and that ownership of the next coin has not been updated in a coin data store. The coin service provider then transmits a prompt to the user device for the user to confirm that a transaction involving the next coin completed successfully, receives a confirmation message from the user device, confirms that the next coin was received by a recipient, and next updates ownership information of the next coin in the coin data store.

To manage property records using a multi-layered hybrid distributed ledger architecture, identification information for a particular property is obtained and transmitted to at least one participant in a public distributed ledger network for a public distributed ledger layer. Ownership information for the same particular property is obtained and transmitted to at least one participant in a federated distributed ledger network for a federated distributed ledger layer. Transaction-related documents for the same particular property are obtained and transmitted to at least one participant in a private distributed ledger network for a private distributed ledger. The distributed ledger layers are different layers of a property distributed ledger each having a separate set of consensus rules for appending distributed ledger data to the respective layer. This allows for the immutable preservation of royalty terms and conditions for a property or asset using the distributed ledger.

Systems, methods, and apparatuses for providing a customer a central location to manage permissions provided to third-parties and devices to access and use customer information maintained by a financial institution are described. The central location serves as a central portal where a customer of the financial institution can manage all access to account information and personal information stored at the financial institution. Accordingly, the customer does not need to log into each individual third-party system or customer device to manage previously provided access to the customer information or to provision new access to the customer information.

Systems, methods, and devices for provisioning funding card numbers to merchant wallets are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for provisioning funding card numbers to third party wallets may include: (1) authenticating a customer using an electronic device; (2) redirecting the customer to a third-party website; (3) receiving, from the third-party website and via a first API, a request for funding primary account numbers (FPANs) associated with the customer; (4) providing the third-party website with a plurality of FPAN identifiers for FPANs associated with the customer; (5) receiving, from the third-party website and via a second API, a request for a FPAN associated with a selected FPAN identifier; (6) encrypting the FPAN associated with the selected FPAN identifier; and (7) communicating the encrypted FPAN to the third-party website.

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

A method of operating an Internet of Things (IoT) device, the IoT device capable of communicating with a third-party system in order to perform an autonomous task subject to authorisation by an IoT authorisation device, the method comprising: sending operating parameters relating to the autonomous task to a user for approval; receiving user-approved operating parameters for the autonomous task; configuring the IoT device to perform the autonomous task within the user approved operating parameters; registering the user approved operating parameters with the IoT device management server to enable the IoT authorisation device to check that the IoT device is operating within the user-approved operating parameters when it performs an autonomous task with the third-party system.

The present disclosure relates to an authentication device related to an NFT using DNA base sequence information, the authentication device including: an authentication means provided in a medium; a Non-Fungible Token (NFT) in which an inherent recognition value about the medium is stored; first authentication information input to the NFT; and second authentication information derived by reading out the authentication means composed of a plurality of DNAs, in which an authentication value authenticated on the basis of the second authentication information to an authentication value authenticated on the basis of the first authentication information is in a predetermined range.