A computer-implemented method includes: determining assets held by a remitter, the assets to be spent in a remittance transaction between the remitter and one or more payees, in which each asset corresponds to a respective asset identifier, a respective asset amount, and a respective asset commitment value; determining a remitter pseudo public key and a remitter pseudo private key; determining a cover party pseudo public key, in which the cover party pseudo public key is obtained based on asset commitment values of assets held by the cover party; and generating a linkable ring signature for the remittance transaction.

Techniques regarding the management of a digital repository are provided. For example, one or more embodiments described herein can comprise a system, which can comprise a memory that can store computer executable components. The system can also comprise a processor, operably coupled to the memory, and that can execute the computer executable components stored in the memory. The computer executable components can comprise an access component that provides visibility access to a group of entities regarding transactions associated with a collective of digital monetary deposits, and provides management access to a management delegate of the group of entities. Further, the computer executable components can comprise a distribution component that in response to action of the management delegate distributes funds from the collective to the group of entities.

There are provided systems and methods for an account rebalancing daemon for use with secure digital asset custodians. A service provider server, such as an electronic transaction processor, may provide cryptocurrency functions and operations associated with use of an online digital platform that trades and secures cryptocurrencies. The service provider may have a digital wallet that allows for storage of cryptocurrency on the online platform. However, these digital wallets may be vulnerable to computing exploits that may obtain cryptocurrencies through computing attacks, hacking operations, and the like. Thus, the service provider may provide for an automated daemon application or process that utilizes a secure digital wallet using secure computing hardware and authorizations to maintain a balance between the digital wallets to reduce risk. This daemon may automatically detect balance data and may execute operations to rebalance the digital wallets.

In a general aspect, a distributed ledger transaction is generated on a cold hardware wallet. Generating the distributed ledger transaction includes receiving, at the cold hardware wallet, ledger information from a network-connected device via a private module-to-device communication link. The ledger information may include account information for the distributed ledger transaction, and a timestamp identifying when the account information was received by the network-connected device from a public network. The cold hardware wallet may generate a message based on the account information, identify a private key stored in the cold hardware wallet, generate a digital signature based on the message and the private key, and generate the distributed ledger transaction based on the message and the digital signature. The cold hardware wallet may send the distributed ledger transaction to the network-connected device via the private module-to-device communication link for forwarding to the public network for settlement.

In one embodiment, a computer-implemented method is described whereby cryptocurrency for services being rendered is transferred from an account or wallet of the service buyer to an account or wallet of the service provider at regular frequent intervals, such as daily, hourly, near real-time, or real-time as the service provider is working. In this embodiment, it is contemplated that data with respect to the amount transferred is readily accessible in real-time by both parties.

Systems, methods, and non-transitory computer readable media for visualizing user spending data in an altered reality are provided. Spending data includes items purchased, budgets for specific rooms or categories, prices paid, dates of purchase, and amounts spent. The user may interact within the altered reality to manage spending and move budgets between rooms or categories.

Systems and methods for P2P transaction functionality include payment collection from a third party source. A system includes at least one processor and a storage medium storing instructions that, when executed by the one or more processors, cause the at least one processor to perform operations including receiving transaction information from a vendor where a card was used and analyzing the transaction information. The operations also include sending one or more requests for repayment to one or more P2P service systems, receiving repayment information, regarding one or more repayments, from the one or more P2P service systems and, based on the repayment information, applying the one or more repayments to the transaction performed on the card.

Described herein are chargeback settlement processing systems and methods. A chargeback settlement computing device is configured to store a dispute table including a dispute record associated with a first chargeback request associated with a first chargeback transaction. The dispute record includes an account identifier, a chargeback transaction amount, and a unique chargeback identifier. The computing device is also configured to receive (i) a clearing detail record including a unique chargeback reference number associated with clearing/settlement of the chargeback transaction and chargeback transaction data, and (ii) a chargeback response including the chargeback identifier, the chargeback reference number, and chargeback transaction data. The computing device is configured to determine whether the dispute record, the clearing detail record, and the chargeback response match, and generate an individual reconciliation record using data from the dispute record, the clearing detail record, and/or the chargeback response.

An example operation includes one or more of transferring, via a blockchain, a digital value from a sender to a receiver, the digital value representing an off-chain transfer of value, monitoring a message flow between the sender and the receiver, detecting a settlement of the off-chain transfer of value based on message content within messages of the message flow, and returning, via the blockchain, the transferred digital value from the receiver to the sender based on the detected settlement.

An apparatus acquires balance information indicating the balance of electronic money from a storage apparatus possessed by a user, and determines the total price of products picked up by the user using an image captured by an image capturing unit configured to capture an image in a store. In a case where the determined total price exceeds the balance, the apparatus outputs information notifying the user that the total price exceeds the balance.