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.

This application relates to the field of communications technologies, and discloses a mobile payment method. The method is applied to a system on chip SOC, where the SOC includes a secure element SE integrated into the SOC, and the method includes: receiving, by the SE, a transaction request; obtaining, by the SE, a first check value from an external memory; performing a security check on the external memory according to the first check value and a second check value that is stored locally in the SOC; and if the external memory passes the security check, obtaining, by the SE, first transaction data from the external memory, and processing the transaction request based on the first transaction data. This application is applied to a mobile payment process.

A method for automatically linking accounts in an electronic wallet includes: receiving first account data corresponding to a first portable financial device stored in an electronic wallet; determining user information corresponding to the first account data; determining, based on the user information, whether a second portable financial device is associated with the user; determining second account data corresponding to the second portable financial device, wherein the second account data is not stored in the electronic wallet corresponding to the user; and automatically linking the second account data to the electronic wallet. A system and computer program product for automatically linking accounts in the electronic wallet are also disclosed.

In order to solve the above problem, there is provided an electronic value management apparatus (10) including a reception unit (11) that receives an input of a load amount, and a loading unit (12) that performs a loading process of subtracting the load amount from a balance of an electronic value of a providing entity stored in a first storage unit and adding the load amount to a balance of an electronic value of a receiving entity stored in a second storage unit.

Systems and methods are disclosed for selectively increasing and decreasing the balances of gaming accounts and stored value accounts. Each of the gaming account and the stored value account are associated with a player. Instructions for balance transfers can be provided by the player to a remote computing device.

Exemplary systems, methods, and computer-accessible mediums can include, for example, receiving a first location of a user(s) and time information associated with that location, initiating a record for the user(s) based on the location and the time information, receiving a second location of the user(s), where the second location can be in a second bounded area, storing in record, a transaction(s) associated with the user(s) based on the second location, and automatically initiating a single payment for the transaction(s) when the user(s) leaves the first location.

Systems and methods may generally include sending an executable application, which when executed, automatically causes a monetary transfer. An example method may include performing, at a first user device, a handshake with a second user device, receiving, during the handshake, an operating capability of the second user device, and configuring, based on the operating capability of the second user device, an executable application, which when executed, automatically causes a monetary transfer to occur. The configured executable application may be sent to the second user device for execution.

A method for periodic aggregation of blockchain transactions for reduced processing times and bandwidths includes: storing at least a cryptographic key pair comprising a private key and a public key and a plurality of unspent blockchain transactions, each unspent blockchain transaction including at least an output address and transaction amount; generating a digital signature using the private key; generating a recipient address using the public key; generating a new blockchain transaction after satisfaction of a trigger condition, the new blockchain transaction including each of the plurality of unspent blockchain transactions as inputs, the digital signature, the recipient address, and a transfer amount based on a summation of the transaction amount for each of the unspent blockchain transactions; and transmitting the new blockchain transaction to a node in a blockchain network.

Various embodiments are directed to processing conversions of digital assets to other digital assets. An example method includes determining a source exchange rate for a source digital asset and a fiat currency, determining a target exchange rate for a target digital asset and a fiat currency, and generating an aggregated conversion rate for the source digital asset and the target digital asset using the source exchange rate and the target exchange rate. The method further includes executing a digital asset conversion, which includes causing source digital asset units to be debited from a source digital asset user account and causing target digital asset units to be credited to a target digital asset user account, and subsequently executing fiat currency transactions (e.g., settlements) with a first digital asset exchange system associated with the source digital asset and a second digital asset exchange system associated with the target digital asset.

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.