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.

Systems and methods that utilizes a debit card as an interface to enable access to funds maintained in one or more gaming establishment accounts associated with a user.

Systems and methods that utilizes a debit card as an interface to enable access to funds maintained in one or more gaming establishment accounts associated with a user.

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.

Aspects of the disclosure relate to event processing. A computing platform may prefetch, prior to receipt of a purchase request, a plurality of pay to addresses (associated with an omnibus account, used to route funds from the omnibus account to a merchant account, and not associated with a particular merchant account when prefetched). The computing platform may receive, from a client, a request to make a purchase from a merchant, and may associate the client and the merchant with one of the prefetched pay to addresses/notify the client of the prefetched pay to address. The computing platform may monitor the prefetched pay to address for receipt of a predefined amount of cryptocurrency associated with the purchase. Upon detecting receipt of the predefined amount of cryptocurrency, the computing platform may transfer funds corresponding to the purchase from the omnibus account to an account for the merchant.

A digital wallet computing system is described including at least one processor in communication with a memory storing instructions. The instructions cause the at least one processor to establish wireless connectivity between a mobile device and an electronic gaming device, the electronic gaming device including a device identifier, receive a funds transfer request from the mobile device, the funds transfer request identifying a funds transfer amount and an external player account, and identify an operator identity based on the device identifier. The instructions also cause the at least one processor to identify a player account, the player account associated with the operator, perform a first withdrawal transaction moving the funds transfer amount from the electronic gaming device to the player account, and in response to the first withdrawal transaction, automatically perform a second withdrawal transaction moving the funds transfer amount from the player account to the external player account.

Systems and methods are provided for use in token management. One example computer-implemented method includes receiving, from a first user, a request to redeem a first token having a first value, where the first token is issued by a consortium of multiple parties. In response to the request, the method includes identifying, based on one or more criteria, one of the multiple parties to settle a redemption of the first token. And, the method then includes initiating transfer of the first value from the one of the multiple parties to an account specific to the first user.

A pervasive advisor for major purchases and other expenditures may detect that a customer is contemplating a major purchase (e.g., through active listening). The advisor may assist the customer with the timing and manner of making the purchase in a way that is financially sensible in view of the customer's financial situation. A customer may be provided with dynamically-updated information in response to recent actions that may affect an approved loan amount and/or interest rate. Underwriting of a loan may be triggered based on the geo-location of the user. Financial advice may be provided to customers to help them meet their goals using information obtained from third party sources, such as purchase options based on particular goals. The pervasive advisor may thus intervene to assist with budgeting, financing, and timing of major expenditures based on the customer's location and on the customer's unique and changing circumstances.

Methods and systems for digital hot wallet protection are provided. A payment channel is established via a Layer-2 network of a cryptocurrency blockchain for transferring a cryptocurrency balance from a first digital wallet of a service provider to a second digital wallet of a trusted entity over a plurality of commitment transactions. A transaction receipt for each commitment transaction is transmitted to the trusted entity via a secure communication channel previously established between the service provider and the trusted entity outside of the Layer-2 network. A transaction log of the service provider is modified so that it no longer represents the current transaction state of the payment channel Responsive to detecting a breach of the first wallet, a transaction is broadcast to a Layer-1 network of the blockchain for transferring the total cryptocurrency balance from the first wallet to the second wallet.

Implementations of the present disclosure include receiving, from a first account, a digitally signed copy of a commitment value of a first amount of a transaction amount generated based on a first random number, the first amount of the balance transfer and the first random number encrypted using a public key of the first account, a second amount of the balance transfer and a second random number encrypted using a public key of the second account, and a set of values generated based on one or more selected random numbers. The first account determines if the first amount and the second amount are the same and if the first random number and the second random number are the same based on the set of values, and updates the balance of the first account and a balance of the second account based on the first amount of the balance transfer.