A system has a datastore including a pro-rata digital wallet associated with a cardholder. The pro-rata digital wallet includes two or more payment card accounts. The system includes a processor programmed to receive an authorization request message from a point-of-sale terminal. The authorization request includes an identification number from a transaction device presented by the cardholder. The processor is programmed to determine whether the identification number corresponds to one of the payment card accounts associated with the pro-rata digital wallet and, if so, identify each of the payment card accounts associated with the pro-rata digital wallet. The processor is programmed to determine a pro-rata payment amount for each of the payment card accounts associated with the pro-rata digital wallet. Each pro-rata payment is based on an available balance of each of the payment card accounts relative to a total available balance for a combination of each of the payment card.

The present invention relates to a method and device for processing a loan secured by digital assets such as cryptocurrency. Particularly, the present invention relates to a method and device for processing a loan of an amount in a second currency type secured by an amount in a first currency type stored in a cryptocurrency wallet and the like in a cryptocurrency exchange. The present invention can provide a method and device which can minimize the risk of principal loss, by means of a principal withdrawal secured by a cryptocurrency balance in a wallet generated in a cryptocurrency exchange, and conveniently and quickly process a collateral loan by lending additional cryptocurrency with respect to a predetermined rate of an amount of cryptocurrency owned by a user.

An example computer-implemented method includes: receiving assets from an external entity for use with a payment service; receiving a request to process payment for a transaction associated with a user; determining that a reward configuration is associated with a user account of the user; determining, based on a characteristic of the transaction and the reward configuration, an amount of the assets to assign to the user in association with the transaction; and assigning the amount of the assets to a wallet of the user, wherein assigning the amount of the assets includes: updating, using an internal ledger, a wallet of the payment service to indicate that the amount of the assets is owned by the user; and updating the wallet of the user to indicate ownership of the amount of the assets, without accessing the external entity at the time of the updating.

The present system and methods allow for receiving first customer data, storing the first customer data in one or more databases, automatically determining whether the customer data satisfies a predetermined condition, in response to the customer data satisfying the predetermined condition, converting the customer data to a standardized format based on one or more conversion rates, automatically determining whether the converted customer data in the standardized format satisfies a predetermined criteria, and in response to the converted customer data in the standardized format satisfying the predetermined criteria, sending a notification to a real estate management platform, wherein the notification includes content based on the converted customer data in the standardized format. Via the system and methods, an employee or a commercial property tenant may receive a rent reduction or eligibility for affordable real estate.

Systems and methods for token-based cross-currency interoperability are disclosed. In one embodiment, in a first financial institution information processing apparatus comprising at least one computer processor, a method for conducting a token-based cross-currency transaction may include: (1) receiving, from a first party, a transaction initiation request for a transaction amount to a second party; (2) deducting the transaction amount from a fiat currency account for the first party; (3) creating a token amount of tokens for the transaction amount; (4) writing the token amount to a distributed ledger; and (5) transferring the token amount of tokens to a second financial institution for the second party.

Various embodiments of the present disclosure provide methods, apparatuses, systems, devices, computing entities for managing digital asset transactions. An example method includes obtaining first current pricing data via an application programming interface, and providing the first current pricing data via a client device. The method further includes, responsive to determining that a first configurable time period has elapsed: obtaining second current pricing data via an application programming interface, and providing the second current pricing data for display via the client device. The method further includes receiving a second transaction request and executing an off-chain digital asset transaction for the second transaction request between a central operating account and the internal user account within a second configurable time period. The method further includes dynamically providing a notification of execution of the off-chain digital asset transaction, and further generating and storing an account balance data object for the off-chain digital asset transaction.

In some implementations, a user device may present, on a user interface, an arc-shaped user interface element. The user device may detect a user interaction that indicates a first point on the arc-shaped user interface element. The user device may present, on the user interface, a first arc portion of the arc. The first arc portion may represent a first amount, of a total amount, to be associated with a first user account. A second arc portion may represent a second amount, of the total amount, associated with the second user account. The user device may transmit, to an account management device, information that identifies the first amount, of the total amount, to be associated with the first user account.

A processor may assign a bridging blockchain client. The bridging blockchain client may link a first system to a second system. The first and second systems may be on one or more blockchains. The processor may identify that an exchange has been initiated. The processor may generate one or more assets in response to the exchange. The processor may process the exchange. The processing of the exchange may include the bridging blockchain client accepting a probability of failure of the exchange.

Embodiments allocate and synchronize virtual currency balance of a user among multiple user devices. A user profile is maintained at a central server. The user profile stores a total virtual currency balance and a designation of multiple user devices associated with the user. The total virtual currency balance may be divided among and allocated to the multiple user devices, for example, based on usage data associated with each user device. The portion of the total virtual currency balance allocated to each user device may be stored locally at a local wallet of the corresponding user device. The local virtual currency balance on a user device may be used to purchase goods or services, such as playing a game. If the locally stored virtual currency balance of a given user device runs low, the user device may request additional virtual currency from other user devices without contacting the central server.

There is provided a processor(s) executing a blockchain smart contract, for: managing a primary reserve of primary tokens and a secondary reserve of secondary tokens, receiving a transaction request, obtaining an external price of the primary token, compute an updated value of the primary reserve according to the external price, in response to the updated total value of primary reserve being unequal to an initial staked value of the primary reserve, adjust primary and secondary dynamic reserve weights, wherein a total value computed by a function of the primary reserve after being increased or decreased by a target amount of primary tokens and using the adjusted primary and secondary dynamic reserve weights, is equal to the initial staked value of the primary reserve, and the total value of the primary reserve is maintained at a predefined ratio to a total value of the secondary reserve, and executing the transaction request.