Embodiments of the disclosure are directed to methods and systems for enabling generation and management of a secondary account. The secondary account may be generated in relation to a primary account, such that at least a portion of a transaction conducted using the secondary account may be charged to the primary account. In some embodiments, the secondary account may be associated with a number of protocols to be applied to a transaction. When a transaction is initiated using the secondary account, a service provider may consult an itinerary to dynamically generate a set of protocols which is relevant to the transaction based on a time period during which the transaction is initiated. In some embodiments, portions of the transaction may be split up and transmitted to different authorization entities for authorization.

A balance and control system may write a data file transfer confirmation from a transmitter system to a blockchain in response to the transmitter system transmitting a data file to a receiver system with the confirmation including a transmitter system address, a receiver system address, and a first hash of the data file. The system may also write a data file transfer acknowledgement from a receiver system to the blockchain with the acknowledgement including the transmitter system address, the receiver system address, and a second hash of the data file. The blockchain may execute a smart contract to compare the first hash of the data file to the second hash of the data file to identify an out-of-balance file transfer event. A monitoring device of the B&C system may read the out-of-balance file transfer event from the blockchain.

Provided are a mobile terminal, information processing method, information processing program, and computer-readable recording medium storing the program whereby, when in a locked state, a specific function is unusable but another function is usable, thereby improving user convenience. When this mobile terminal is in a state where lock function is enabled, a function where a terminal function unit accesses an IC chip to perform settlement processing using electronic money is unavailable, but a function where the terminal function unit accesses the IC chip to perform auto-charge process using electronic money is available. As a result, when the mobile terminal is locked, a function to perform settlement processing as a specific function is unusable but a function to perform auto-charge process as another function is usable, thereby improving user convenience.

The present disclosure relates generally to 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.

A third-party aid payment system and method are provided. The payment system stores a beneficiary's identifier and a donation beneficiary record. The donation beneficiary record is related to a donation from a donator to the beneficiary. The donation beneficiary record includes a beneficial digital currency account identifier, a donation disbursement condition, and a beneficial digital currency balance. The payment system receives the beneficial digital currency account identifier, a product identifier, and a bill of a consumption fee. The payment system determines that the product identifier conforms to the donation disbursement condition and that a subsidized fee related to the consumption fee is not greater than the beneficial digital currency balance and then subtracts the subsidized fee from the beneficial digital currency balance.

Depositing funds onto smart cards for use during processing of purchases. A device creates a deposit request and transmits the request to a remote system. The remote system processes the request and transmits a deposit record to the device, which in turn transmits the record to the smart card. If the device has network access, it transmits a deposit confirmation to the remote system, which updates the smart card account to include the confirmation. If the device unable to connect to the remote system, the deposit confirmation is transmitted when the smart card is involved in a future transaction. During the future transaction, the smart card transmits its transaction history, which comprises the deposit confirmation, to the device, and the device transmits the transaction history to the remote system. The remote system updates the smart card account to include the deposit confirmation.

Systems, methods, and articles of manufacture for transferring funds from multiple transaction accounts are provided. The system may allow a user to link one or more credit, debit, or other similar transaction accounts to a single transaction instrument. The system may receive a transaction authorization request, retrieve a merchant account number and a consumer transaction account number based on the transaction authorization request, and generate a funds transfer request comprising the merchant account number, the consumer transaction account number, and a payment amount. The funds transfer request may be executed by a transaction account network to transfer funds from the consumer transaction account to the merchant account.

Various embodiments are directed to computer-implemented systems and methods for providing financial information to a user. A computing device may receive from a financial server system data indicative of a balance of a first financial account of the user; a balance of a second financial account of the user; and a balance of scheduled payments to be deducted from the first financial account. The computing device may provide a graphical interface to the user. The graphical user interface may comprise a balance indicator having a first segment having a first area proportional to the balance of the first financial account; a second segment having a second area proportional to the balance of the second financial account, wherein a sum of the first area and the second area is substantially constant independent of the balances of the first and second financial accounts; and a scheduled payments indicator.

There is provided a money transfer orchestration switch and money transfer method. The switch includes an instruction receiving component for receiving transfer instructions to transfer money from a source digital wallet to a target digital wallet. The switch includes use of an intermediary account for receiving money from the source digital wallet before depositing the money into the target digital wallet. The switch further includes a money transmitting component for transmitting the money from the intermediary account to the target digital wallet.

According to one aspect, the invention provides a system for authenticating identities of a plurality of users. In one embodiment, the system includes a first handheld device including a wireless transceiver which is configured to transmit authentication information, a second device including a wireless receiver, where the second device is configured to receive the authentication information.