A security application may provide a secure digital currency for a blockchain while maintaining anonymity and security from unauthorized third parties. One example may include one of accessing a retailer site from a device, selecting one or more items for purchase, transmitting a payment option to the retailer site for the selected one or more items, receiving a payment request message from the retailer site comprising a unique identifier linked to one or more incentives, creating a payment confirmation message comprising the unique identifier and the one or more incentives, and transmitting the payment confirmation.

Data account management systems and methods are described. A server is in communication with one or more information source systems, at least one user device associated with at least one user and one or more electronic data accounts associated with the user. The server links the electronic data accounts, monitors data among the information source systems and the linked accounts for any changes in activity associated with the user, predicts a behavioral activity of the user via machine learning based on at least one of the monitored data and historical data associated with the user, identifies at least one notification instruction specific to the user based on the predicted behavioral activity, and generates an interactive graphical user interface (GUI) for display on the user device. The interactive GUI presents one or more of the notification instruction and a user profile of the at least one user among the linked accounts.

Tokenized assets with associated value are transferred from a designated server to a mobile device. The associated value is removed from the designated server. The tokenized assets are transferred to a first trusted electronic device. The first trusted electronic device is associated with the mobile device. At least a portion of the tokenized assets are transferred to a second trusted electronic device such that the portion of the tokenized assets are only stored on the second trusted electronic device after the transfer. The second electronic device is associated with a second mobile device. The transfer occurs at a time when both the mobile device and the electronic device are offline.

A settlement system with higher security which replaces a settlement system using credit cards is provided. The settlement system has a user terminal, a settlement device, and a settlement terminal. First, a user ID, a password, and upper limit amount information identifying an amount are inputted in a user terminal 100 (S912), and sent to the settlement device (S913). The settlement device performs credit determination (S922), generates temporary permission information if credit is possible (S923), and sends the temporary permission information to the user terminal (S924). The user terminal generates a one-time password (S915). The one-time password is inputted to the settlement terminal (S931). If the one-time password sent from the settlement terminal to the settlement device is identical to the one-time password created in the settlement device, the settlement device allows a user's payment (S928).

Aspects described herein include using proximity technology such as beacon devices or geofences to detect physical presence at a physical location. Presence information may be generated and included in a non-fungible token (NFT). The NFT may be provided to a digital wallet. The identity of an individual associated with the digital wallet may be authenticated. A distributed ledger may record the transaction that provides the NFT to the digital wallet.

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.

Systems and methods for bundling various functionalities and features into a mobile wallet are provided. A method includes: receiving an indication from a user to install a mobile wallet client application on a user device; receiving registration information to install the mobile wallet client application including information regarding a first transaction card associated with the user; determining that the first transaction card is not associated with a token while a second transaction card is associated with a token; registering the user for the mobile wallet client application, the mobile wallet client application configured to present the user with a mobile wallet interface, wherein the mobile wallet interface includes a first graphical depiction of the first transaction card; and updating the first graphical depiction of the mobile wallet interface to remove a depiction of a transaction feature for the first transaction card based on the transaction feature not being utilized.

Digital currency transfer is facilitated by a process that includes receiving an indication of a type and amount of digital currency to be transferred to a recipient as part of a digital currency transfer, and a specified public key of the recipient. The public key identifies a digital permanent wallet of the recipient's account. The process creates and stores a digital temporary wallet to temporarily hold the digital currency. This creates a transaction key uniquely identifying the digital currency transfer, and associates with the digital temporary wallet the transaction key and the public key. The process transfers the digital currency from the digital permanent wallet of the sender to the digital temporary wallet, and sends temporary wallet information of the digital temporary wallet, including the transaction key, for embodiment in a physical wallet to hold the digital currency and to be printed and transferred to the recipient.

The present invention generally relates to computer systems, methods and program products for non-custodial trading of digital assets on an exchange.

A method for managing operational costs associated with distributed computing. The method includes: creating, via a graphical user interface (GUI), a distributed computing team; linking a digital team wallet to the distributed computing team, wherein the digital team wallet is linked to a currency account; adding a member to the distributed computing team; allowing the member to purchase compute resource access from a plurality of compute resource providers using the digital team wallet; and notifying a team manager when funds in the digital team wallet reduce to at least a team threshold value.