Systems, methods, and non-transitory computer readable media for visualizing user spending data in an altered reality are provided. Spending data includes items purchased, budgets for specific rooms or categories, prices paid, dates of purchase, and amounts spent. The user may interact within the altered reality to manage spending and move budgets between rooms or categories.

An empty self-control card system and an operation method thereof are proposed. The empty self-control card system includes a bank server communicatively connected to a CBDC network and configured to open a CBDC account for storing CBDC coins, and an Empty Card linked to the CBDC account and issued as a physical card, and configured to hold the CBDC coins as a balance, wherein the CBDC network transfers at least a portion of the balance of the Empty Card when a transaction using the Empty Card occurs, so that intangible CBDCs that do not exist may be used in real life.

A method includes storing, by a first computing device, assignable tokens in a first partition of a plurality of partitions of a first address of a first digital asset unit and initiating an interaction with a second computing device including a second digital asset unit. The method further includes determining to assign conditional access rights to an amount of the assignable tokens to the second computing device for the interaction. The assignment of the conditional access rights is a smart contract. The method further includes locking, in accordance with the smart contract, the amount of the assignable tokens stored in the first partition, associating a second partition with the second digital asset unit, and associating the amount of the assignable tokens with the second partition. The second digital asset unit does not store the amount of the assignable tokens.

Disclosed embodiments provide systems, methods, and apparatuses for facilitating transfers between user commerce accounts associated with a merchant of a commerce platform within a computing environment supported by a processor and a memory to execute such functionality. An exemplary system may include a means for creating a merchant account platform at the payment system; creating a single charge from a customer at the merchant account platform; creating multiple transfers from the merchant account platform to different connected accounts, wherein the multiple transfers are to each transfer a sub-portion of proceeds associated with the single charge from the customer to each of the different connected accounts; performing the single charge from the customer to the merchant account platform; and performing each of the multiple transfers from the merchant account platform to the different connected accounts. Other embodiments are also disclosed.

A transaction device is described. The device comprises storage configured to store a first data record comprising first value data and a unique identifier associated with one other device; communications circuitry configured to receive an identifier and second value data from a device; and control circuitry configured to compare the received identifier with the unique identifier and in the event of a positive comparison, the control circuitry is further configured to update the stored first value data in accordance with the exchanged second value data.

A decentralized crypto token swap platform available through multiple mobile device applications, or apps. The platform supports same-blockchain and cross-blockchain trading of multiple crypto tokens, including cryptocurrency and non-fungible crypto tokens.

A method for transferring funds includes: 1) receiving, from a first user, a request to transfer a stored value to a second user; 2) identifying, based on a first user token and from a user database, a first entry containing information of a payment account of the first user; 3) causing a payment server to transfer funds corresponding to the stored value from the payment account of the first user to a stored-value account that is associated with a stored-value token; 4) associating the stored-value token with a second entry identifying a second user; 5) receiving a payment request initiated by the second user; 6) identifying the second entry based on a second user token included in the payment request; 7) updating funds in the stored-value account based on the payment request; and 8) transmitting at least a portion of the stored value to a merchant based on the update.

A system and method for adding a virtual credit account to a mobile device is disclosed. The system receives a contact information for a customer at a store's electronic device, the contact information comprising: at least one of a device identifier (ID) and a user ID, the contact information being part of a request for a pre-existing credit account to be added to the customer's mobile device. An access to an account lookup/verification for the pre-existing credit account is provided to the customer's mobile device, the access generate an out-of-band verification. the request for the pre-existing credit account to be added to the customer's mobile device in conjunction with the out-of-band verification is provided by the customer's mobile device. The pre-existing credit account is then added to the customer's mobile device in a digital format allowing the customer to make a purchase.

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.

Systems, methods, and computer-readable storage media configured to facilitate execution of transactions via a money transfer network are disclosed. During execution of the transactions, tokenized identity information may be utilized when exchanging transaction data between geographically distributed nodes of the money transfer network and the transactions are recorded to a distributed ledger maintained by the nodes. Smart contracts may be utilized to digitally sign transactions at various stages of transaction processing, such as at different stages of regulatory compliance validation and to authenticate the validity of the requested transaction (e.g., prevent double-spends). Utilizing tokenized identity information may reduce the likelihood that personally identifiable information (PII data) is obtained by or inadvertently provided to unauthorized third parties or systems. Additionally, the distributed ledger may record information in immutable records, thereby increasing the reliability and trustworthiness (e.g., for auditing purposes) of the data stored on the distributed ledger.