A method for generating a transaction replay includes accessing a replay transaction template that defines replay animation features of the transaction replay. The method also includes detecting a triggering event of transactions within a client account, wherein the triggering event is defined in the replay transaction template. Additionally, the method includes identifying at least one additional transaction event relevant to the transaction replay. Further, the method includes constructing a timeline of the at least one additional transaction event and the triggering event and generating the transaction replay that includes a playback of the additional transaction events and the triggering event in the timeline.

A method is provided for performing a transaction. The method includes, in an offline mode, payee and payer devices communicating to determine transaction details including a transaction amount. A payer payment application generates a transaction request including request transaction details, stores the transaction request, and updates a payer available funds amount at least partially in accordance with the transaction amount. A payee payment application generates a transaction confirmation including confirmation transaction details, stores the transaction confirmation, and updates a payee available funds amount at least partially in accordance with the transaction amount. In an online mode, the payer payment application provides the transaction request to a payment processing device, the payee payment application provides the transaction confirmation to the payment processing device, and the payment processing device compares the request transaction details and confirmation transaction details and causes the transaction to be selectively performed depending on results of the comparison.

In one embodiment, a securities transaction system includes a ledger storing securities balances of security assets managed by a payment service and owned by users of the payment service. The securities balances relate to securities purchased on from a securities exchange system. The securities transaction system includes processors for executing instructions executable to send, to a mobile wallet application associated with the payment service, information regarding one or more of the security assets managed by the payment service; receive, from the mobile wallet application, a purchase request to acquire an amount of one of the security assets; update, via the ledger, the securities balances to reflect amounts of security assets respectively managed by the payment service and owned by the user based on the purchase request; and initiate one or more transactions from the securities exchange system to maintain a specified level of the security asset.

A delivery server includes a processor including hardware, the processor being configured to: transmit arrival information of a product to a user terminal carried by a user who has ordered the product; transmit, in a case where unattended delivery is instructed by the user terminal, unattended delivery information to a home delivery terminal of a delivery person who delivers the product, and request a signature of the user; transmit the signature information to the home delivery terminal in response to receiving signature information regarding the signature of the user from the user terminal; and transmit delivery completion information of the product to the user terminal.

Described herein is technology for providing the secure transfer of assets between blockchain networks. A secure-execution server can be configured to execute a bridge program in a secure execution environment to interact with a first pool of warden servers to facilitate secure transfer of assets between a first blockchain network and a second blockchain network. The bridge program may include instructions that, when executed by the secure execution environment, cause the secure-execution server to perform operations that may include performing lock operations that lock first assets from a contractless blockchain network and mint second assets representing the first assets in a contracting blockchain network, where the contracting blockchain network supports smart-contracts that are unsupported on the contractless blockchain network; and performing unlock operations that unlock the first assets by transferring the first assets in the first blockchain network in response to the second assets being returned or destroyed.

Embodiments of the invention are directed to a system, method, or computer program product for probing and identifying unique transaction characteristics associated with digital resource exchange platforms. The system identifies the unique characteristics and stores them as digital resource exchange identifiers capable of being cross-referenced with real-time or stored transaction data from multiple transaction channels in order to intelligently identify transactions involving one or more entity resource accounts and digital resource exchanges. Various decisioning steps are described which may be automated following the identification of a transaction or entity resource account involving one or more digital resource exchanges.

A computer-implemented method performed by a computer system includes receiving a payment token generated for a mobile wallet transaction between a payor and a merchant from a mobile device of the payor where the payment token is displayed on a POS (Point of Sale) device of the merchant and scanned by the mobile device as part of the mobile wallet transaction, determining, based on a payment token, an issuing financial institution and an account number corresponding to a payor account of the payor at the issuing financial institution, and initiating a transfer of funds from the payor account at the issuing financial institution to a merchant account held by the merchant at a recipient financial institution.

Systems and methods are disclosed for dynamic routing of electronic transactions while maintaining token compatibility. One method comprises receiving a request message from a merchant system and determining a final destination payment processor based on a routing directive. Upon determining the final destination payment processor, the request message may be updated by updating a message destination to the final destination payment processor and replacing an initial token with a token that is compatible with the final destination payment processor. The updated request message may then be transmitted to a downstream entity for further processing.

Techniques are disclosed utilizing cognitive computing to improve commercial communications from vendors to users. A user's financial account(s) and location may be monitored to determine when a user is within a threshold distance of a vendor. If the user is within the threshold distance the methods and systems disclosed may determine which targeted commercial communications to transmit to the user based upon a shopping profile for the user. The shopping profile may include a dataset indicative of the shopping habits of the user.

The invention creates a method for loading an electronic amount of money represented as a random number sequence to a portable data carrier, with a conversion of the random number currency to the data carrier currency, and a disbursement of one or several money unit(s) from a portable data carrier, with a conversion of the data carrier currency to the random number currency.