A computer-implemented method includes receiving, by a merchant computer system associated with a merchant, a token provided by a mobile device to a point of sale (POS) device. The token identifies a transaction between the merchant and a payor. The method also includes determining, by the merchant computer system, that the transaction is a refund transaction based on the token. The method also includes determining, by the merchant computer system, a previously used token based on the token. The previously used token is associated with the transaction. The method also includes transmitting, by the merchant computer system, the previously used token to a recipient bank computer system. The method also includes receiving, by the merchant computer system, an approval or decline message for the refund transaction. The method also includes transmitting, by the merchant computer system, the approval or decline message to the POS device.

A method for facilitating a transaction with a one-time number includes: receiving a first transaction request, wherein the first transaction request includes a plurality of data elements including at least a first data element configured to store a zero transaction amount and a second data element configured to store a primary account number; parsing the primary account number stored in the second data element included in the received first transaction request; generating a one-time value, wherein the one-time value includes a predetermined number of digits and a subset of the predetermined number of digits is a reference to the processing server; storing a data entry comprised of at least the parsed primary account number and the generated one-time value; and transmitting the generated one-time value in response to the received first transaction request.

The invention pertains to a computer server configured for digitization of a multi-party market order agreement and to communicate with a distributed ledger computer system that includes multiple computing nodes, each computing node configured to store at least a partial copy of a blockchain of the distributed ledger computer system. The computer server may comprise a give-up multi-party agreement (MA) platform for digitizing, reconciling and calculating a financial transaction on the MA platform. The server may include executing account references for a derivatives order. The server may include clearing account references for the derivatives order. Further, the server may reconciliate trading limits for the derivatives order. The server may undertake an interest computation. Finally, the server may reconciliate fees for the derivatives order, product exclusions and the legal language of the legal agreement MA.

A stored balance with multi-channel withdrawal access is described. In an example, a server of a payment processing service can determine a stored balance based on funds received from point-of-sale (POS) transactions processed via the payment processing service on behalf of a merchant. The stored balance can be maintained in a ledger of the payment processing service. The server can associate the stored balance with a payment instrument of the merchant. The stored balance can be accessible via the payment instrument substantially immediately after funding of a transaction at the POS and via (i) an instant deposit to a linked bank account of the merchant and (ii) a scheduled deposit to the linked bank account, wherein the instant deposit is available substantially immediately after funding of the transaction and the scheduled deposit is made at a prearranged time after the funding of the transaction.

Systems and methods for P2P transaction functionality include transaction management. A system includes at least one processor and a storage medium storing instructions that, when executed by the at least one processor, cause the at least one processor to perform operations including identifying possible trigger transactions and creating a transaction bucket associated with the identified one or more participants. The operations also include performing calculations of amounts currently owed by each of the one or more participants, receiving a trigger event from the cardholder device. and sending notifications to the P2P service system asking for repayment based on the calculated amounts.

Systems and methods for P2P transaction functionality include associating a P2P service with a credit card transaction. A system includes at least one processor and a storage medium storing instructions that, when executed by at least one processor, cause the at least one processor to perform operations including receiving information about a transaction from a vendor where a card was used, providing transaction data elements and an interaction schema related to authorized and posted transactions, to one or more P2P service systems, receiving from one of the P2P service systems referential data elements, and associating the received data elements with the transaction.

Systems and methods for P2P transaction functionality include payment collection from a third party source. A system includes at least one processor and a storage medium storing instructions that, when executed by the one or more processors, cause the at least one processor to perform operations including receiving transaction information from a vendor where a card was used and analyzing the transaction information. The operations also include sending one or more requests for repayment to one or more P2P service systems, receiving repayment information, regarding one or more repayments, from the one or more P2P service systems and, based on the repayment information, applying the one or more repayments to the transaction performed on the card.

Systems and methods for P2P transaction functionality include rewards-based P2P funding. A system includes at least one processor and a storage medium storing instructions that, when executed by the one or more processors, cause the at least one processor to perform operations including enrolling a cardholder in a reward funding service and enabling the cardholder to use accumulated incentive program rewards. The operations also include a request for a transaction for redeeming rewards of the cardholder, approval of the transaction, and granting access to accumulated incentive program rewards for use in a P2P service system.

A method and system for enabling a customer to access both an artist profile and associated artist media files for purchase through a Web-based portable store. An artist profile may be hosted on, for example, a web site, SMS/MMS gateway, and a WAP site. A media file may be received from the artist along with a customizable store widget and may be uploaded to the artist's profile. The customer may then purchase a media file through the artist's profile by further accessing the Web-based portable store. The artist's account may be updated to indicate the transaction.

There is provided a system for transferring cryptocurrency, comprising code for: receiving a request for providing a target amount of a target currency to a destination entity according to a corresponding value of a cryptocurrency, wherein the request includes a user credential; accessing, according to the user credential the cryptocurrency stored in a universal wallet stored on a data storage device, wherein the universal wallet stores cryptocurrency according to user credentials of corresponding users, wherein a user dataset stores a mapping between each of the user credentials and amount of cryptocurrency stored in the universal wallet, providing the target amount of the target currency to the destination entity according to the cryptocurrency, and updating the user dataset at least according to corresponding value of the cryptocurrency to indicate a new amount of the cryptocurrency stored in the universal wallet and mapped to the user credential.