The present disclosure provides a processing system for processing a number of cryptocurrencies, the processing system comprising a merchant terminal configured to generate transaction information as a basis for the generation of transactions with one of the cryptocurrencies, and an automatic transaction handling processor configured to process transactions generated based on the transaction information and to automatically split and/or redistribute transferred coins and/or assets based on a predetermined transfer policy. Further, the present disclosure provides a respective method.

Implementations of the present specification provide a blockchain-based transaction method and apparatus, and a remitter device. The method includes: calculating a transaction amount commitment, a first commitment random number ciphertext, and a second commitment random number ciphertext; and submitting transaction data to the blockchain, the transaction data including the transaction amount commitment, the first commitment random number ciphertext, and the second commitment random number ciphertext, for the transaction amount commitment and the first commitment random number ciphertext to be recorded into a remitter account, and the transaction amount commitment and the second commitment random number ciphertext to be recorded into a remittee account.

A method, electronic device, and non-transitory computer readable medium for transmitting information is provided. The method includes creating a card network account for each card network of a plurality of card networks. The method also includes associating with a digital card the created card network accounts and providing to at least one of the card network accounts an account balance of the digital card. Additionally, the method includes receiving, from a mobile device, a selection of the digital card to conduct a transaction at a location. The method also includes providing a suggested card network, determined from the plurality of card networks, to the mobile device, to conduct the transaction. The suggested card network is based in part on which card networks accepted at the location. The method also includes updating the account balance of the digital card on completion of the transaction.

A portable terminal, a terminal function management system, and a terminal function management method that can prevent electronic money fraud by another person after loss or theft and readily and accurately determine the electronic money balance to be guaranteed are provided. In a portable terminal, a lock function that imposes restrictions on access to a chip storage unit that stores a value balance is enabled. It is thereby possible to prevent electronic money fraud by another person after the loss or theft of the portable terminal. Further, in the portable terminal, a value balance acquired after the lock function is enabled and before the lock function is released is stored in an electronic money server. It is thereby possible to readily and accurately determine the electronic money balance to be guaranteed which is stored the chip storage unit at the time when the loss or theft is found.

An example relates to a method for processing data an on smartcard comprising: (i) obtaining a message; (ii) searching for a rule in at least one file of the smartcard based on the message; and (iii) in case the rule was found, executing the rule.

Described herein are a system and techniques for updating balance information for a disbursement module on a portable device using a transaction module on that same portable device. In some embodiments, each of the transaction module and the disbursement module may be associated with a different transaction processing system. A client device may be used to interact with the transaction module of the portable device via a communication element. In some embodiments, the client device may be configured to receive an account identifier from the transaction module, generate and transmit an authorization request message to an authorization entity, and upon receiving authorization from the authorization entity, cause the transaction module on the portable device to update a balance associated with the disbursement module.

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.

A computer-based system for issuing and managing a new currency of New Money including a management module, executable by a computer processor, configured to: create and manage a new currency backed by assets stored in acquired by an investment vehicle, in which a currency unit of the new currency is a title of an undifferentiated interest in the investment vehicle. The system allows the creation of more than one currency that can coexist simultaneously, so that each of them is backed by its own investment vehicle, which will be managed by its corresponding managers. The valuation of each currency will evolve according to the performance and valuation of the investment vehicles that support it. Money and investment vehicles are joined together and as a result a new type of money is created.

A method for automatically linking accounts in an electronic wallet includes: receiving first account data corresponding to a first portable financial device stored in an electronic wallet; determining user information corresponding to the first account data; determining, based on the user information, whether a second portable financial device is associated with the user; determining second account data corresponding to the second portable financial device, wherein the second account data is not stored in the electronic wallet corresponding to the user; and automatically linking the second account data to the electronic wallet. A system and computer program product for automatically linking accounts in the electronic wallet are also disclosed.

Method for managing payment transactions associated with a task completion includes receiving a service assignment and a digital coin value associated with the service assignment over a network from a first computing device associated with a first user, and sending the service assignment over the network for display on a second computing device associated with a second user. The method also includes receiving notification from the second user that the assigned service has been completed, and transferring digital coins equal to the digital coin value of the service assignment from a first digital wallet associated with the first user to a second digital wallet associated with the second user. The method further includes recording the transfer of the one or more digital coins in the digital coin ledger, and applying the one or more digital coins in the second digital wallet to acquire a purchase item.