A pervasive advisor for major purchases and other expenditures may detect that a customer is contemplating a major purchase (e.g., through active listening). The advisor may assist the customer with the timing and manner of making the purchase in a way that is financially sensible in view of the customer's financial situation. A customer may be provided with dynamically-updated information in response to recent actions that may affect an approved loan amount and/or interest rate. Underwriting of a loan may be triggered based on the geo-location of the user. Financial advice may be provided to customers to help them meet their goals using information obtained from third party sources, such as purchase options based on particular goals. The pervasive advisor may thus intervene to assist with budgeting, financing, and timing of major expenditures based on the customer's location and on the customer's unique and changing circumstances.

Systems and methods for managing bundles of cryptocurrency assets.

Systems, methods, and computer-readable storage media configured to facilitate execution of transactions via a money transfer network are disclosed. During execution of the transactions, tokenized identity information may be utilized when exchanging transaction data between geographically distributed nodes of the money transfer network and the transactions are recorded to a distributed ledger maintained by the nodes. Smart contracts may be utilized to digitally sign transactions at various stages of transaction processing, such as at different stages of regulatory compliance validation and to authenticate the validity of the requested transaction (e.g., prevent double-spends). Utilizing tokenized identity information may reduce the likelihood that personally identifiable information (PII data) is obtained by or inadvertently provided to unauthorized third parties or systems. Additionally, the distributed ledger may record information in immutable records, thereby increasing the reliability and trustworthiness (e.g., for auditing purposes) of the data stored on the distributed ledger.

The present invention generally relates to a method, system and program product for depositing and withdrawing a stable value digital asset tied to a blockchain in exchange for fiat.

Systems and methods for distributing transaction files among accounts corresponding to a physical card. The method includes receiving a transaction file from a transaction processing entity. The transaction file is associated with a physical card. The method also includes identifying at least one purse segment in the transaction file. Each purse segment corresponds to a transaction associated with the physical card. The method further includes, for each of the at least one purse segments, identifying a purse ID corresponding to at least one account associated with the physical card and extracting transaction data from the transaction file corresponding to the purse ID. The method also includes, for each of the at least one purse segments, storing the transaction data corresponding to the purse ID into a distribution file and transmitting the distribution file to an account processing system.

A method includes presenting an initial user interface to a user that includes a first field including a first graphical depiction of a first object associated with the user and a second field including a second graphical depiction. The method also includes receiving an indication of a user interaction with the first field, and dynamically updating the initial user interface responsive to determining that the user interaction is a user selection of a second object to create an updated user interface. The updated user interface includes an updated first field including a depiction of the second object, and an updated second field including a third graphical depiction.

A system, method, and computer program product is provided for secured, encrypted transaction processing. The method includes receiving a transaction request including a first user token including a first account balance, a second user token including a second account balance, and a transaction value. The method also includes generating a new first account balance by executing a zero-knowledge subtraction, and a new first user token including the new first account balance. The method further includes generating a new second account balance by executing a zero-knowledge addition, and a new second user token including the new second account balance. The method further includes transmitting the new tokens to the respective computing devices. The method further includes receiving a new transaction request including the new first user token and/or the new second user token, and generating a new account balance by executing a zero-knowledge computation based on the new transaction request.

Systems and methods for facilitating transactions using a digital currency are described. In some aspects, a system is described for facilitating a private transaction between a first entity and a second entity using a government issued digital currency issued by a government institution. In some aspects, a system is described for facilitating a transaction between a first entity and a second entity using a digital currency issued by a bank or an entity with a bank charter. In some aspects, a digital wallet is described for one or more digital currencies from one or more financial institutions where the digital wallet is a self-hosted digital wallet. In some aspects, a digital wallet is described for one or more digital currencies from one or more financial institutions, including a line of credit based on a digital currency issued by a financial institution and that is fixed with respect to a fiat currency.

A method for processing a trust-based transaction via a blockchain includes: receiving data associated with a proposed trust-based transaction including at least a transaction amount, payment data, and a broker identifier; processing payment for the transaction amount using the payment data; identifying a blockchain address associated with a broker corresponding to the broker identifier; generating a digital token, wherein the digital token is unique to the proposed trust-based transaction; electronically transmitting the generated digital token to a first computing device; and electronically transmitting at least the transaction amount, blockchain address, and at least one of: the generated digital token and data used to generate the generated digital token to a node associated with a blockchain network.

A method for digital coin issuance may include: receiving, at a ledger interoperability service and from a gateway communication service, a request to deposit a digital coin balance for an amount of funds for a client to a client digital coin wallet on a distributed ledger; receiving, at an omnibus account, a transfer of the funds from a client demand deposit account for the client; identifying, by the ledger interoperability service, an address for the client digital coin wallet on the distributed ledger using an address book; submitting, by the ledger interoperability service, a request to the gateway communication service to issue the digital coin balance to the client digital coin wallet and to generate postings for the digital coin balance for the distributed ledger; and receiving, by the ledger interoperability service, confirmation from gateway communication service of writing the digital coin balance to the client digital coin wallet.