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 composite cryptographic data structure is described, and corresponding methods, systems, and computer readable media. The composite cryptographic data structure is instantiated based on an underlying set of cryptographic tokens (e.g., blockchain/distributed ledger tokens) that, in some embodiments, are transferrable through on-chain transactions established on one or more distributed ledger networks. Identity validation, in some embodiments, may occur at one of composite cryptographic data structure instantiation or composite cryptographic data structure redemption, or both, through the use of a whitelist or a blacklist data structure.

Methods and systems for automatically conducting a continuous forward rate agreement in a cryptocurrency using smart contracts. An obligation object is generated and provided with control of a first smart contract, which may be a collateralized debt position smart contract, and control of a lender amount. The obligation object is executed to update balances for first and second parties until the obligation object is liquidated or terminated. Additional parties may be introduced. Upon liquidation or termination, the obligation object accounts to each of the parties based on their balances, and based on tokens generated to track positions in the obligation object.

Data account management systems and methods are described. A server is in communication with one or more information source systems, at least one user device associated with at least one user and one or more electronic data accounts associated with the user. The server links the electronic data accounts, monitors data among the information source systems and the linked accounts for any changes in activity associated with the user, predicts a behavioral activity of the user via machine learning based on at least one of the monitored data and historical data associated with the user, identifies at least one notification instruction specific to the user based on the predicted behavioral activity, and generates an interactive graphical user interface (GUI) for display on the user device. The interactive GUI presents one or more of the notification instruction and a user profile of the at least one user among the linked accounts.

A mobile wallet computing system associated with a mobile wallet database includes a mobile wallet circuit structured to present a mobile wallet interface a mobile wallet user. The mobile wallet interface includes a first portion that includes a graphical depiction of a user payment vehicle associated with a financial institution, the first portion including a first interaction point that enables the user to initiate a sequence to engage in a mobile wallet transaction using the mobile wallet. The interface also includes a second portion that includes a second interaction point and a third interaction point, the second interaction point enabling the user to access a functionality enabling the user to indicate a transaction preference for a transaction with an entity other than the mobile wallet provider or financial institution, the third interaction point enabling the user to indicate a preference to initiate communications with the financial institution.

A plurality of computer-based transactions facilitated by each of a plurality of custodians are monitored. A first transaction of the plurality of transactions includes a transfer of an amount of cryptocurrency of a first type by a first counterparty to a second counterparty in exchange for an amount of cryptocurrency of a second, different type. Transaction packages are generated by each counterparty which include requisite information to effect the transfer. A settlement coordinator asynchronously receives (via a computing network) the transaction packages which specify information required to (i) transfer the cryptocurrency of the first type from the first counterparty to the second counterparty on a first blockchain and (ii) transfer the cryptocurrency of the second type from the second counterparty to the first counterparty on a second blockchain. The settlement coordinator after receiving the first request and the second request accesses the first blockchain and the second blockchain to transfer ownership of the cryptocurrency of the first type and the cryptocurrency of the second type to effect the first transaction.

A computer-implemented method for maintaining crypto tokens of a first type. A creation and annulment procedure are implemented that may integrate a bonding curve and a fee term starting from the current supply size to a new supply size to determine an amount of crypto tokens of a second type. The crypto tokens of the second type may be transferred to or from a pool, while crypto tokens of the first type may be transferred to a user or may be destroyed. The fee term may comprise the bonding curve shifted over an amount.

Provided is a method for providing foreign currency exchange services performed by a main server. The present invention is characterized in that a method for depositing money is provided in a variety of methods, such as direct deposit, card payment, and firm banking, and withdrawal can be performed from abroad through a method (ATM terminal, affiliated store, or the like abroad) which is different from the method for depositing money. In this process, the exchange fee of the bank is eliminated, and the service operator of the present invention can establish an operation policy for the fee or the like. In addition, there is a great effect in that the service operator provides the users with the foreign currency exchange services with a lower fee than that of the commercial bank.

Techniques are disclosed utilizing cognitive computing to improve banking experiences. A user's financial account(s) may be monitored to predict when a surplus of funds is unnecessarily present and for how long this will likely be the case. Once this is determined, techniques include automatically drafting funds from the account to another account having a higher interest rate where the funds may accrue more interest. The techniques also include predicting when an overdraft may occur and taking appropriate action when such a prediction is made. Predictions may be based upon different weighted inputs used in accordance with a predictive modeling system, which may attempt to predict for a particular user, location, and retailer, whether the user will spend an anticipated amount in excess of the user's current balance. If so, passive (e.g., notifications) and active (e.g., transferring cover funds) actions may be performed.

A system and method for handling crypto-asset transactions includes: receiving from a payment processing system an electronic transaction request including: a payment token corresponding to a payment identifier associated with the customer account, and a transaction amount in a fiat currency; determining current price data corresponding to a first crypto-asset and a second crypto-asset associated with the customer account; associating the electronic transaction request with at least one data processing task for executing at least one crypto-asset transaction; and when at least one crypto-asset confidence condition is satisfied based on the current price data of at least one of the first crypto-asset or the second crypto-asset, generating signals for providing, via the payment processing system, an indication that the electronic transaction request is authorized without waiting for confirmation of execution of the at least one crypto-asset transaction in the respective distributed ledger.