Described herein are means for implementing a role based access control and authorization validator via blockchain smart contract execution using Distributed Ledger Technology (DLT) in conjunction with a cloud based computing environment. According to a particular embodiment, there is a system having at least a processor and a memory therein, wherein the system is configurable with means for: operating a blockchain interface to a public blockchain on behalf of a plurality of customers of the host organization, wherein each of the plurality of customers operate as a participating node on the blockchain; executing an API gateway on behalf of the plurality of customers; receiving an API definition from one of the plurality of customers defining at least access permissions for use of the defined API and a plurality of permitted functions for the defined API; transacting a new asset onto the blockchain having embodied therein, metadata representing the API definition and the access permissions for use of the defined API and the plurality of permitted functions for the defined API; intercepting, via the executing API gateway, an API call directed at the defined API; retrieving the metadata from the blockchain; authenticating an API caller associated with the API call based on the access permissions from the retrieved metadata; and forwarding the API call to the appropriate customer pursuant to successful authentication of the API caller. Other related embodiments are disclosed.

A wallet system includes a terminal having a first processor and the first server having a second processor. The first processor is configured to transmit a reloading method registration request to a first server, transmit a reloading request to the first server, and transmit a settlement request to the first server via a terminal of a settlement recipient. The second processor is configured to register a payment method as the reloading method, increase a balance of electronic money in the wallet based on reloading amount information included in the reloading request, and reduce the balance of electronic money in the wallet based on settlement amount information included in the settlement request. The payment method is included in the reloading method registration request.

An approach for establishing and managing authentication circles is disclosed. The circles may be used to facilitate management of accounts, goals, or resources of one or more entities, or to provide an integrated view of the circumstances of, for example, family members or other interrelated persons. A person receiving assistance with the management of one or more accounts need not disclose authentication credentials to persons helping manage the accounts, enhancing security. Members may view members and access accounts administered by separate computing systems without needing credentials for each member, account, and/or computing system. The multiple accounts (which may be held at multiple institutions) need not be accessed individually by each member of the authentication circle, saving time and computing resources of users.

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.

Methods and systems are presented for providing comprehensive payment transaction services through a digital wallet. The digital wallet enables a user to conduct an electronic transaction with a merchant or another user. In one aspect, the digital wallet may modify a payment arrangement of the electronic transaction. For example, the digital wallet may determine a first payment arrangement that specifies one or more financial instruments and a payment deferral time period for the electronic transaction. Subsequent to processing the electronic transaction, the digital wallet may determine a different, second payment arrangement for the electronic transaction. The digital wallet may modify the electronic transaction based on the second payment arrangement without canceling the electronic transaction. In another aspect, the digital wallet may manage rewards by dynamically withholding rewards, releasing the rewards, and/or distributing at least portions of the rewards to different users.

Tracking and clawing back unspent transaction output (UTXO) tokens mechanism are disclosed for distributed ledger technology-based networks (DLTNs) operating a UTXO-based token transaction model (which can include blockchain networks). Some embodiments comprise receiving a request to transfer a UTXO token in a DLTN operating a UTXO-based token transaction model. Further, the embodiments can include determining that a clawback list includes the genesis token identifier and barred token identifiers of UTXO tokens barred from being transferred on the DLTN. In addition, the embodiments can include determining whether the clawback list includes any of the ancestral token identifiers of the UTXO token and generating an instruction regulating the transfer of the UTXO token in the DLTN based on the determining whether the clawback list includes any of the ancestral token identifiers. Such techniques improve the security and functionality of DLTNs such as a blockchain network.

A method, computer system, and a computer program product for managing digital currency is provided. The present invention may include initializing a digital wallet. The present invention may include receiving one or more digital currencies. The present invention may include performing one or more transactions using the one or more digital currencies, wherein each of the one or more transactions has a hash value recorded on a local ledger maintained on the digital wallet. The present invention may include broadcasting the local ledger to a shared ledger maintained by a fund source. The present invention may include synchronizing the digital wallet with the found source by releasing a value held in suspense based on a total value of the one or more digital currencies remaining on the digital wallet.

Artificial intelligence-driven data exchange systems and methods are disclosed herein. A method can include verifying when a merchant or brand is a participating member in an exchange ecosystem and the merchant or brand in good standing, determining if a member has sufficient exchange currency in a member account to complete a transaction, determining if the member has linked a credit or debit card to their member account, and approving the transaction based on an exchange score for the member and the credit or debit card.

Systems and methods for providing a rewards payment form linked directly to a rewards account are described. The rewards points may be spent directly by the customer through the use of the payment form linked to the rewards account. The payment form may be a payment card (e.g., a physical card having an account number accessible via a magstripe, an EMV chip, etc.) or a virtual payment card loaded into a mobile wallet accessible by the customer. The rewards payment form allows the customer to spend the rewards points stored in the rewards account without first going through the extra step of converting the rewards points into currency.

Systems and methods for providing authentication circles to pursue financial goals and/or share expenses with others are provided. One or more provider computing systems are communicatively coupled to one or more user devices. Users may join a circle and make contributions via electronic messages that may allow for acceptance in a one-click fashion. Members may, for example, plan for and share expenses for a trip and compare the expenses with budgets.