A method for periodic aggregation of blockchain transactions for reduced processing times and bandwidths includes: storing at least a cryptographic key pair comprising a private key and a public key and a plurality of unspent blockchain transactions, each unspent blockchain transaction including at least an output address and transaction amount; generating a digital signature using the private key; generating a recipient address using the public key; generating a new blockchain transaction after satisfaction of a trigger condition, the new blockchain transaction including each of the plurality of unspent blockchain transactions as inputs, the digital signature, the recipient address, and a transfer amount based on a summation of the transaction amount for each of the unspent blockchain transactions; and transmitting the new blockchain transaction to a node in a blockchain network.

The present disclosure relates to a transaction processing system and a method for sharing expenses among multiple peers using a dual-chip payment card. The method includes receiving a request for creating a temporary pool session for a plurality of users from one of the plurality of users having a dual-chip payment card. In response to the request, the method includes creating the temporary pool session, holding a proportional credit amount of each of the plurality of users. Subsequently, the method includes associating the temporary pool session with a secondary chip of the dual-chip payment card of at least one of the plurality of users. Finally, the method includes processing one or more transaction requests received through the secondary chip of the dual-chip payment card of at least one of the plurality of users, using the temporary pool session.

Systems, computer program products, and methods are described herein for recurring auxiliary resource distribution. The present invention may be configured to detect a trigger event associated with a plurality of sources, where the plurality of sources includes a standard source and an auxiliary source, and where the plurality of sources is associated with a user. The present invention may be configured to transform, using a resource transformation engine and based on the trigger event, a first amount of auxiliary resources in the auxiliary source to a second amount of standard resources, deduct the first amount of auxiliary resources from a first balance of the auxiliary source, and add the second amount of standard resources to a second balance of the standard source. The present invention may be configured to perform a resource distribution using the second amount of standard resources from the standard source.

A delivery server includes a processor including hardware, the processor being configured to: transmit arrival information of a product to a user terminal carried by a user who has ordered the product; transmit, in a case where unattended delivery is instructed by the user terminal, unattended delivery information to a home delivery terminal of a delivery person who delivers the product, and request a signature of the user; transmit the signature information to the home delivery terminal in response to receiving signature information regarding the signature of the user from the user terminal; and transmit delivery completion information of the product to the user terminal.

A server includes a processor including hardware, the processor being configured to: acquire position information of a terminal; acquire shop information in which shop position information of each of a plurality of shops and one or more settlement methods usable in each of the plurality of shops are associated with each other, and acquires user information in which the plurality of settlement methods registered on the terminal and user's balance linked with the terminal for each of the plurality of settlement methods are associated with each other; and output balance information in which the shop position information regarding a shop and the balance regarding the settlement method usable on the terminal are associated with each other to the terminal based on the position information, the shop information, and the user information.

Systems and methods may generally include sending an executable application, which when executed, automatically causes a monetary transfer. An example method may include performing, at a first user device, a handshake with a second user device, receiving, during the handshake, an operating capability of the second user device, and configuring, based on the operating capability of the second user device, an executable application, which when executed, automatically causes a monetary transfer to occur. The configured executable application may be sent to the second user device for execution.

Embodiments of the disclosure are directed to methods and systems for enabling generation and management of a secondary account. The secondary account may be generated in relation to a primary account, such that at least a portion of a transaction conducted using the secondary account may be charged to the primary account. In some embodiments, the secondary account may be associated with a number of protocols to be applied to a transaction. When a transaction is initiated using the secondary account, a service provider may consult an itinerary to dynamically generate a set of protocols which is relevant to the transaction based on a time period during which the transaction is initiated. In some embodiments, portions of the transaction may be split up and transmitted to different authorization entities for authorization.

A system for returning change electronically to a consumer as a result of a cash transaction is provided. The system uses a merchant terminal by bypassing default funds availability authorization performed in consumer to merchant transfers by the terminal. The terminal therefore enables transfer funds from merchant to consumer in an amount which is associated with change due to the consumer upon receipt of the appropriate request and consumer account identifier. In particular aspects, the change is returned in a cryptocurrency.

There is provided a processor(s) executing a blockchain smart contract, for: managing a primary reserve of primary tokens and a secondary reserve of secondary tokens, receiving a transaction request, obtaining an external price of the primary token, compute an updated value of the primary reserve according to the external price, in response to the updated total value of primary reserve being unequal to an initial staked value of the primary reserve, adjust primary and secondary dynamic reserve weights, wherein a total value computed by a function of the primary reserve after being increased or decreased by a target amount of primary tokens and using the adjusted primary and secondary dynamic reserve weights, is equal to the initial staked value of the primary reserve, and the total value of the primary reserve is maintained at a predefined ratio to a total value of the secondary reserve, and executing the transaction request.

A method for querying information in a visual smart card, comprising: a micro control unit receiving, by means of an input device, a query request inputted by a user (S1); the micro control unit determining information queried by a user request according to a received query request (S2); if first information, the micro control unit reading a first information record which is stored thereby, and parsing the first information record to obtain the first information, the first information being displayed by means of a display device (S3); if second information, the micro control unit sending an application selection instruction to a smart card chip, receiving an application selection response returned by the smart card chip, then sending an information record reading instruction to the smart card chip, receiving a second information record returned by the smart card chip, and parsing the second information record to obtain the second information, the second information being displayed by means of the display device (S4). A visual smart card applicable to said method overcomes the shortcomings in the existing technology wherein the assistance of other devices is required, while carrying out querying by means of operating a smart card directly facilitates a holder of a smart card understanding information in the smart card, improving the ease of use of smart cards.