An information processing device includes a processor. The processor can acquire a balance of electronic money owned by a customer. The processor can update, every time the customer purchases a commodity, a total amount of price for the one or more purchased commodities. The processor can determine whether the total amount exceeds the balance of the electronic money. The processor can provide a notification in response to determining that the total amount exceeds the balance of the electronic money.

Systems and methods for token linking and unlinking in digital wallets are disclosed. In one embodiment, a method for token linking in digital wallets may include: an issuer wallet application executed by the information processing device requesting, from a token vault, an identification of a customer's accounts that are eligible for push-provisioning to a third party wallet application executed by the information processing device; receiving the identification of customer accounts from the token vault; identifying accounts provisioned in the third party wallet application; determining accounts from the customer accounts that have not been provisioned to the third party wallet application to provision to the third party wallet application; provisioning the determined accounts to the third party wallet application; and requesting the token vault link a token associated with the provisioned account to an issuer wallet associated with the issuer wallet application.

A method for using shareable and nested transaction on hash chains includes storing transaction data of a transaction of a hash chain. A lock block is appended to the hash chain. Appending the lock block includes setting a tail block identifier of the hash chain from a preceding tail block of a preceding transaction to the lock block. A data block is appended to the hash chain. Appending the data block includes setting the tail block identifier of the hash chain to the data block. The method further includes removing the transaction data from the transaction without invalidating the hash chain. The method further includes appending an updated data block to the hash chain to update the transaction with updated transaction data.

A wallet server includes: a processor including hardware, the processor being configured to: display, on a display, a payment icon receiving a request for payment using any of a plurality of different payment methods, and additional information determined based on a result of comparison between a balance of each payment method and a predetermined amount.

A method for optimizing blockchain storage size through use of relative values includes: receiving, by a blockchain node in a blockchain network that manages a blockchain, a plurality of blockchain data values, each including unspent transaction outputs, at least one destination address, and, for each destination address, an original currency amount; identifying a base value; modifying the original currency amount included in each blockchain data value to be a relative currency amount based on a difference between the identified base value and the original currency amount; generating a new block, the new block including a block header and the modified plurality of blockchain data values; and transmitting the generated new block to a plurality of additional nodes in the blockchain network.

A mobile terminal includes: a display; and a processor including hardware, the processor being configured to acquire, when electronic money is deposited into a first electronic wallet from a first bank account registered in advance, information regarding a future scheduled withdrawal amount in the first bank account from a server managing the first bank account, and control the display to display alert information when a balance after withdrawal obtained by subtracting the scheduled withdrawal amount from a current balance of the first bank account is less than a scheduled deposit amount indicating an amount of electronic money to be deposited from the first bank account.

Among other things, embodiments of the present disclosure can help predict the optimal allocation for effecting payment transactions from, or deposit transactions to, multiple aggregated financial accounts for a user, even across accounts held in different countries or denominated in different currencies. The system may effect transactions automatically according to the identified optimal allocation, as well as providing users with options to handle transactions. Furthermore, embodiments of the present disclosure can enhance a user's visibility into future balances and transactions using a customized graphical calendar that illustrates a user's predicted future balances and transactions.

Systems and methods are provided for depositing cash into ATMs for crediting an online merchant account. In one embodiment, a method is provided that includes receiving an account identifier requested by a user at an automated teller machine (ATM). The account identifier is associated with an account with a merchant. The method may further include routing the account identifier to an application programming interface affiliated with the ATM to confirm a validity of the account identifier. In certain implementations, the method may further include implementing the transaction by accepting a deposit from the user. A settlement account is updated to reflect the deposit.

There are provided systems and methods for integration of transaction processor system identifiers with digital account providers. A user may utilize a transaction processor to process a transaction with a merchant. When processing the transaction, the user may navigate to a checkout page, where the transaction processor may utilize a shared identifier and API integrations to retrieve information from other wallet providers associated with the user's digital wallet balances with those other wallet providers. The user may request use of those funds during the checkout page, which may cause a payout request for those funds to be issued by the transaction processor to one or more of the wallet providers to provide the funds to the transaction processor. The transaction processor may also use an account of the other wallet provider(s) to provide the funds immediately to the user, which may then use those funds on the checkout page.

Techniques are disclosed to provide customized loans on a per-user basis. With user permission or affirmative consent, user data may be monitored for several users, which may be used to calculate initial loan specifics such as a loan rate and term based upon a portion of this user input data. The user data may include demographic data, behavioral data, or other data indicative of a user's future potential earnings or other relevant information that may be analyzed to determine, for that specific user, the current likelihood that the user will default on the loan and a future likelihood of default. When this future statistical likelihood is determined, the initial loan specific may be further modified and/or a targeted notification may be sent indicating these customized loan specifics.