A method includes initiating, by a first computing device, an interaction with a second computing device. The first computing device includes a first digital asset unit and the second computing device includes a second digital asset unit. The first digital asset unit stores assignable tokens. The method further includes determining to assign conditional access rights to an amount of the assignable tokens to the second digital asset unit where the conditional access rights are in accordance with a set of conditions. The assignment of conditional access rights is a self-enforcing smart contract embedded in an assignable token distributed ledger technology. The method further includes locking the amount of the assignable tokens stored in the first digital asset unit and providing the conditional access rights to the amount of the assignable tokens to second digital asset unit. The second digital asset unit does not store the amount of the assignable tokens.

A method includes receiving request to register for a mobile wallet from a user mobile device; determining that a user associated with the user mobile device has an account at a financial institution; identifying a subset of services from a plurality services commonly used by the group of mobile wallet users; generating user interface parameter instructions that cause presentation of mobile wallet interfaces specific to the identified subset of services; displaying a mobile wallet interface having a graphical depiction of at least one service from the identified subset of services; receiving an activity dataset for a mobile wallet session of the user; determining that the user has not interacted with the graphical depiction of the at least one service from the identified subset of services during the mobile wallet session of the user; and, updating the mobile wallet interface to remove the graphical depiction of the at least one service.

A pervasive user experience capable of integrating robo-advising with human advising is discussed. Conversations and other inputs may be actively captured to identify issues with which the system may be able to assist. Inputs from multiple conversations separated in time may be correlated to identify relevant needs and goals. Recommendations and strategies may be developed and presented to the customer. When it is determined that human advising is appropriate for one or more issues, the customer may be connected to an advisor for assistance with particular issues. Transitions may be facilitated to allow customers to more efficiently return to robo-advising until human advising is again deemed appropriate.

Embodiments of the invention are directed to systems, methods and computer program products for utilizing resources from multiple sources to complete a resource distribution. The invention may receive a distribution request from an entity, where the distribution request includes information identifying a first resource distribution device provided by a user to the entity, a first source associated with the user, and a request amount of resources. The invention may determine whether the requested amount of resources is greater than a first amount of resources in the first source, determine whether the first resource distribution device is associated with one or more other sources associated with the user, and determine whether a sum of the first amount of resources in the first source and a second amount of resources in the one or more other sources is greater than or equal to the requested amount of resources.

A computer-implemented method associated with a payment service provided by a payment server, comprising processing, by the payment server, a payment for a point-of-sale (POS) transaction using a payment instrument associated with a user account maintained in a data store of the payment server. The payment server determines a reward configuration stored in the user account, wherein the reward configuration includes settings to reward the user account with cryptocurrency assets and is based on historical transaction activity associated with the user account. The payment server calculates an amount of cryptocurrency assets according to the reward configuration, wherein the amount of the cryptocurrency assets is based on a value of the cryptocurrency at a time of the transaction. The payment server assigns the amount of cryptocurrency assets from a cryptocurrency wallet of the payment service to a cryptocurrency wallet of the user.

A method includes storing, by a first computing device, assignable tokens in a first partition of a plurality of partitions of a first address of a first digital asset unit and initiating an interaction with a second computing device including a second digital asset unit. The method further includes determining to assign conditional access rights to an amount of the assignable tokens to the second computing device for the interaction. The assignment of the conditional access rights is a smart contract. The method further includes locking, in accordance with the smart contract, the amount of the assignable tokens stored in the first partition, associating a second partition with the second digital asset unit, and associating the amount of the assignable tokens with the second partition. The second digital asset unit does not store the amount of the assignable tokens.

Transaction identification is described. A payment processing platform can receive (i) transaction data associated with a transaction between a merchant and a customer and (ii) a transaction code from a payment making platform. The payment processing platform can receive an indication of an interaction between a computing device of the customer and the transaction code, wherein the indication is associated with context data associated with the interaction. Based at least partly on comparing the transaction data with the context data, determining that the customer is associated with the transaction and causing an association between the customer and the transaction, wherein the association causes at least a portion of the transaction data to be provided to a mobile payment application, associated with the payment making platform, on the computing device of the customer.

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.

The present invention generally relates to a method, system and program product for modifying a supply of stable value digital asset tokens tied to a blockchain.

A virtual payment system for paying for goods, services and content ordered over an internetwork is disclosed. The virtual payment system includes a commerce gateway. Buyers and sellers becomes registered participants by applying for virtual payment buyer and seller accounts. Once an account is established with the commerce gateway, a digital certificate is stored on the registered participant's computer. A buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies the commerce gateway, which applies the charges to the buyer's virtual payment account. The buyer can settle the charges using a prepaid account, a credit account, or by using reward points earned through use of the virtual payment account. A buyer may create sub-accounts.