Aspects of the disclosure relate to a system that provides enhanced security of information transmitted by connected devices. The system may be used to request resources from members of a donee's virtual group. Donated funds or line of credit may be loaded to the donee's digital wallet with no link to any of the donee's personal accounts. The request for resources may utilize secure correspondence between the donee and the prospective donors. The secure correspondence may be locked and prevented from being forwarded or captured via a screenshot to ensure confidentiality. If an attempt is made to forward or copy the secure correspondence, the secure correspondence may be deleted. Donated funds/line of credit may be allocated for specific use, and may not be owned by the donee until used.

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.

Systems, as described herein, may use smart contracts and distributed ledgers in distributed networks to determine points earned by consumer and settle points for merchants. Distributed ledgers in the distributed network may be used to store transactions executed by merchant digital wallets and consumer digital wallet. Smart contracts in distributed networks may be used to maintain point balances associated with the consumer digital wallets and the merchant digital wallets of the consumer, determine points earned by consumer digital wallets, settle points for merchant digital wallets, and send messages to consumer digital wallets regarding expiring points. Systems, as described herein, may also send individualized recommendations of goods and services to the consumer digital wallets.

A system and corresponding method, for blockchain cryptocurrency exchange, track at least one pending blockchain transaction on a corresponding blockchain. The at least one pending blockchain transaction has been executed, but not yet committed, on the corresponding blockchain. The system and corresponding method determine whether an unexecuted blockchain transaction for cryptocurrency exchange is valid or invalid as a function of transaction information associated with the unexecuted blockchain transaction and the at least one pending blockchain transaction. The system and corresponding method output a result indicating whether the unexecuted blockchain transaction was determined to be valid or invalid, causing the unexecuted blockchain transaction to be executed or denied, respectively.

Provided is a method for providing foreign currency exchange services performed by a main server. The present invention is characterized in that a method for depositing money is provided in a variety of methods, such as direct deposit, card payment, and firm banking, and withdrawal can be performed from abroad through a method (ATM terminal, affiliated store, or the like abroad) which is different from the method for depositing money. In this process, the exchange fee of the bank is eliminated, and the service operator of the present invention can establish an operation policy for the fee or the like. In addition, there is a great effect in that the service operator provides the users with the foreign currency exchange services with a lower fee than that of the commercial bank.

Systems and methods for issuing and using dedicated tokens for rewards accounts are disclosed. In one embodiment, in a token service provider information processing apparatus comprising at least one computer processor, a method for issuing dedicated tokens for reward accounts may include: (1) receiving, from an electronic wallet, a request to provision a credit or debit-based token for a financial instrument and a dedicated reward-based token for rewards-based transactions associated with the financial instrument to an electronic wallet; (2) generating the credit or debit-based token and the dedicated reward-based token; and (3) providing the credit or debit-based token and the dedicated reward-based token to the electronic wallet and to the issuing bank.

A method includes: retrieving, by a financial institution computing system associated with a financial institution, information pertaining to an existing account of a user; projecting a profitability of the financial institution from the user based on a projected number of transactions of the user, wherein the projected number of transactions is determined based on a transaction history of the user; based on the retrieved information and the projected profitability being above a predefined threshold, underwriting the user for a credit card offer; selecting a set of credit card offer terms for the credit card offer based on the underwriting; creating a credit card account for the user, the credit card account having an account number associated therewith; and activating the credit card account in response to a first use of a mobile wallet after a provisioning of a credit card to the mobile wallet.

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.

There is provided an information processing device, a management server, an intermediate server, and an information processing method that allow an electronic value to be easily transferred between individuals. The information processing device includes a first memory unit, a reader/writer, a communication unit, a control unit, and an application. On the first memory unit, an electronic value is recorded. The reader/writer performs near field communication with communication equipment including a second memory unit on which an electronic value is recorded. The communication unit performs communication with a management server. The control unit controls transfer of the electronic value to the communication equipment via the reader/writer, and also controls deletion and addition of electronic values from/to the first and second memory units based on an instruction received from the management server. The application causes a user interface related to the transfer of the electronic value to be displayed on a display unit.

The present invention relates to a currency exchange and foreign exchange trading method through a block chain-based digital asset including cryptocurrency as a medium. More particularly, the present invention provides a method of easily and quickly executing exchange transaction without economic loss, which excludes transfer of the block chain-based digital asset between exchanges with delayed standby time, instead, uses: an environment wherein the digital asset is traded with cross-currency in a single exchange; an environment wherein the digital asset is shared by a contract or the like between a plurality of exchanges dealing with different currencies from one another; or an environment wherein transaction information of the above digital asset is shared between the exchanges even though the digital asset is not directly shared, so as to establish a foreign exchange market using the digital asset as a medium in a digital asset exchange based on the block chain technology, whereby the consumer directly receives application of buy-offer spread in the market.