According to some aspects of the disclosure, an electronic ID device is configured to allow a user to select an account associated with the user to employ in a transaction. The electronic ID device comprises a biometric sensor configured to receive a biometric input provided by the user, a user interface configured to receive a user input, a communication interface configured to communicate with a secure registry, and a processor coupled to the biometric sensor to receive information concerning the biometric input.

A JYB-based barter transaction platform where trades between sellers and buyers are denominated in JYB is used to settle all objects and services purchased or sold on the platform. The JYB is a trade measuring currency instead of a circulation currency, and cannot be directly exchanged with a circulation currency. Only when the amount of JYB is insufficient during a trade, can the JYB difference be supplemented by a circulation currency at the conversion rate; in the case of regular settlement of circulation currency, the barter transaction platform collects the amount of circulation currency that has been received and refunded to users by the conversion rate. JYB can replace any circulation currency to achieve real-time barter trade.

A computer method for establishing a commodity price index includes receiving, via a web server, transactions for a plurality of first electronic currency denominated commodity or commodity future contracts, and recording, with a server computer operatively coupled to the web server, settlement prices for the plurality of the first electronic currency denominated commodity or commodity future contracts on a distributed ledger. The computer method includes reading, with the server computer, from the distributed ledger, at least a portion of the first electronic currency denominated commodity or commodity future contracts settlement prices, and determining a current electronic currency index price from the at least a portion of the first electronic currency denominated commodity or commodity future contracts settlement prices. The computer method includes displaying the current electronic currency index price on an electronic display. The computer method further includes setting a value of a second electronic currency to correspond to the current electronic currency index price.

Systems, methods, and articles of manufacture for transferring funds from multiple transaction accounts are provided. The system may allow a user to link one or more credit, debit, or other similar transaction accounts to a single transaction instrument. The system may receive a transaction authorization request, retrieve a merchant account number and a consumer transaction account number based on the transaction authorization request, and generate a funds transfer request comprising the merchant account number, the consumer transaction account number, and a payment amount. The funds transfer request may be executed by a transaction account network to transfer funds from the consumer transaction account to the merchant account.

A cross-border account splitting method based on an intelligent internally-connected electronic account, an account splitting platform, and a payment platform. The account splitting method comprises the steps of: receiving a registration request of a client and assigning and feeding back an intelligent internally-connected electronic account to the client; associating information items carried in the registration request, the intelligent internally-connected electronic account and etc, so as to form a mapping relationship; receiving a withdrawing request of the client, and determining a target intelligent internally-connected electronic account, a target store, a target bank account, a target overseas master account and a target domestic master account according to the information items carried in the withdrawing request and the mapping relationship; transferring a cross-border transaction amount of the target store to the target overseas master account, and entering a virtual transaction account equivalent to the cross-border transaction amount into the intelligent internally-connected electronic account; and computing an actual split amount according to the virtual transaction amount in the target intelligent internally-connected electronic account, and transferring the actual split amount to the target bank account by means of the target domestic master account, and resetting the target intelligent internally-connected electronic account. Merchants can withdraw from their cross-border transactions without creating accounts on counters of overseas branches of overseas banks.

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.

A transaction processing system may include: a plurality of leaf chains including a first leaf chain and a second leaf chain, the first leaf chain and the second leaf chain including a first leaf chain manager contract and a second leaf chain manager contract, respectively; a root chain comprising a root chain manager contract for the root chain, a first leaf chain contract for the first leaf chain, and a second leaf chain contract for the second leaf chain; and at least one relayer located between the root chain and the plurality of leaf chains, and configured to process a remittance request from the first leaf chain to the second leaf chain.

The present disclosure relates generally to a system that tracks the funding source of an amount of funds as the funds are transferred between various accounts or balances of various components of the system.

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.

A method for managing account information comprises: extracting information of a second user associated a first account of a first user; generating a matching pattern associated with the second user according to the obtained information of the second user; obtaining first transaction operation information generated by one or more historical transaction operations associated with the first account; identifying, according to the matching pattern, second transaction operation information associated with the second user from the first transaction operation information; creating a second user information table and associating it with the first account of the first user, or retrieving the second user information table if it has been created; determining an information category of the second transaction operation information; and storing, according to the information category of the second transaction operation information, the second transaction operation information in a corresponding category of the second user information table.