Disclosed is system and method for managing transactional interoperability amongst plurality of blockchains, the plurality of blockchains comprising a non-host blockchain and a host blockchain. The server arrangement is configured to append a first transaction to the non-host blockchain, first transaction comprising metadata pertaining to the user transaction, append a second transaction to the host blockchain, the second transaction comprising the first hash address, wherein second transaction triggers an initial smart contract of the host blockchain to store an operational information response at a second hash address in the distributed file storage system; append a third transaction to non-host blockchain, the third transaction comprising the second hash address, append a fourth transaction in the host blockchain, fourth transaction comprising third hash address, wherein the fourth transaction triggers initial smart contract of the host blockchain to update user wallet account based on output generated from the execution of user transaction.

An electronic community currency operation system S includes a user terminal 1, a store terminal 2 and a management server 3 connected via a network CN1. The management server 3 includes a premium amount determination unit F38 which receives, from the user terminal 1, an issue request of an electronic community currency received from a user, and determines an additional amount to be added to an issue amount of the electronic community currency, which is to be issued according to the received issue request, according to a current amount of circulation relative to an overall maximum issue of the electronic community currency, and a community currency issuing unit F35 which issues, according to the issue request, the electronic community currency in which the determined additional amount has been added to the issue amount, and notifies the issued electronic community currency to the user terminal 1.

Token exchange systems, methods and apparatus are disclosed that allow a user to get access to a wired, wireless, or virtual network or the like by earning tokens to be used for said access, in which the user may earn tokens by making purchases or completing tasks in a token exchange system. In an exemplary embodiment, the user connects to a network, interacts with the network in order to earn tokens by making purchases through said network or completing tasks assigned by said network, and exchanges tokens for access time, whereby said user will be connected to the network or the internet for an amount of time commensurate with the amount of tokens exchanged for the access time.

A pervasive user experience capable of integrating robo-advising with human advising is discussed. Conversations and other inputs may be actively captured to identify issues with which the system may be able to assist. Inputs from multiple conversations separated in time may be correlated to identify relevant needs and goals. Recommendations and strategies may be developed and presented to the customer. When it is determined that human advising is appropriate for one or more issues, the customer may be connected to an advisor for assistance with particular issues. Transitions may be facilitated to allow customers to more efficiently return to robo-advising until human advising is again deemed appropriate.

A computer-implemented method includes: determining assets held by a remitter, the assets to be spent in a remittance transaction between the remitter and one or more payees, in which each asset corresponds to a respective asset identifier, a respective asset amount, and a respective asset commitment value; determining a remitter pseudo public key and a remitter pseudo private key; determining a cover party pseudo public key, in which the cover party pseudo public key is obtained based on asset commitment values of assets held by the cover party; and generating a linkable ring signature for the remittance transaction.

The present invention generally relates to a method, system and program product for depositing and withdrawing a stable value digital asset tied to a blockchain in exchange for fiat.

Disclosed are systems and methods that utilize multiple single asset types and blockchain-based ledgers utilized by a custodian to issue a digital representation of assets held by the custodian. Trading entities place, with the custodian, respective assets that are represented on the ledgers. Genesis blocks on each blockchain-based ledger are signed by the exchange network which provides the initial trust and acts as a barricade against a rogue node from entering the network. Trading entities use the exchange network to agree on a price and enter into trades. The trades can include one asset type for another asset type. An atomic exchange is performed, and a trade is complete. Changes to token ownership are recorded on respective custodian ledgers automatically and redemption occurs upon request by a trading entity such that the ledger can be updated in actual currency and moved from the custodian to a trading entity account.

A system and method of compartmentalizing a monetary transaction into at least one of a plurality of electronic envelopes of an account. The method includes: generating at least one trained machine learning (ML) model by training at least one ML model with training data; receiving an indication of a deposit into a bank account of a user; in response to the indication, generating a ML model output by executing one or more of the at least one trained ML model, wherein the ML model output is used to determine an electronic envelope distribution; allocating the amount of the deposit into the at least one electronic envelope of the plurality of electronic envelopes based on the electronic envelope distribution; and sending electronic envelope account information to a client application that is configured to visually display a balance of the at least one electronic envelope based on the electronic envelope account information.

Embodiments provide methods and systems for performing an offline payment transaction in absence of network. In an embodiment, a communication channel is established between a merchant device and a user device for performing the offline payment transaction. The merchant device receives an electronic token from the user device. The electronic token includes an identifier for a payment account of a user, an offline balance amount associated with the payment account and a digital certificate representing authentication of the offline balance amount. The electronic token has a validity of a first threshold time period. The electronic token is verified with a decryption key available with the merchant device. The decryption key also has a validity of a second threshold time period. After a successful verification of the electronic token, the offline payment transaction is executed without connecting to a payment network, while the electronic token and the decryption key are valid.

A product payment method applied in a blockchain system verifies a product payment when detecting initiation of a product payment. The method broadcasts a verification passed information to the blockchain system when the verification is passed. The method further saves a name and a quantity of the one or more products purchased by the consumer for delivery from the one or more distributors when the quantity of the verification passed information received by the node is greater than a first preset value. The method also updates the name and the quantity of the one or more products of the consumer according to the getting information about getting one or more products from the distributor by the consumer. A related product payment device and a non-transitory storage medium are provided.