A method for authorization of a blockchain transaction includes: storing account profiles, each profile including an account identifier, fiat amount, and blockchain amount; receiving a transaction message, the transaction message being formatted based on transaction message standards and including a first data element that includes a specific account identifier and a second data element reserved for private use that includes a network identifier and transaction amount; identifying a specific account profile that includes the specific account identifier; identifying a risk value based on the transaction amount and at least one of: the fiat amount and blockchain amount; determining authorization of a transaction based on the identified risk value; modifying the transaction message based on the authorization determination; and transmitting the modified transaction message.

A secure, closed virtual payment system comprising registered buyers and sellers for ordering and paying for goods, services, and content over an internetwork is disclosed. A buyer becomes registered by applying for a virtual payment account. A seller becomes registered by applying for a seller account. A credit processing component (53) immediately evaluates the buyer's application and assigns a credit limit to the account. Once an account is established, a digital certificate is stored on the registered participant's computer. The buyer can then order goods, services, or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies a commerce gateway component (52), which, in turn, notifies the credit processing server, which applies the charges to the buyer's virtual payment account.

A virtual payment system for paying for goods, services and content ordered over an internetwork is disclosed. The virtual payment system includes a commerce gateway. Buyers and sellers becomes registered participants by applying for virtual payment buyer and seller accounts. Once an account is established with the commerce gateway, a digital certificate is stored on the registered participant's computer. A buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies the commerce gateway, which applies the charges to the buyer's virtual payment account. The buyer can settle the charges using a prepaid account, a credit account, or by using reward points earned through use of the virtual payment account. A buyer may create sub-accounts.

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.

Methods, systems, and devices for data management are described. A wallet application may display one or more messages sent via a messaging service from a second user at a first user interface associated with a first user. The first user interface may receive one or more inputs to initiate a process for sending a crypto token to the second blockchain address of the second user. The wallet application may broadcast a message configured to transfer the crypto token from the first blockchain address to the second blockchain address via a blockchain network associated with the crypto token. The wallet application may update the first user interface to indicate the broadcasted message via the blockchain network. As such, users of the wallet application may transfer crypto tokens from a blockchain address via a blockchain network while, in a same user interface, sending and receiving messages via a messaging service.

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.

Disclosed embodiments may include a method for using accounts with multiple profiles where the system allows a primary user to create one or more secondary user profiles. Each secondary user profile is associated with its own VCN and one or more attributes. The one or more attributes can be used to limit the spending ability of each secondary user individually with hard and soft spending limits including merchant category, overall spending, and geographic limits. Purchases by a secondary user that violate the soft limits may be allowed by the primary user using an application associated with the primary account number. Attributes can be assembled by the primary user to create specific and creative spending limits. The system associates each transaction with the user profile using the specific VCN and generates a GUI for the primary user showing the second user profile, its current balance, and transaction history.

Systems and methods for providing authentication circles to pursue financial goals and/or share expenses with others are provided. One or more provider computing systems are communicatively coupled to one or more user devices. Users may join a circle and make contributions via electronic messages that may allow for acceptance in a one-click fashion. Members may, for example, plan for and share expenses for a trip and compare the expenses with budgets.

A method includes sending, by a trader computing device, an amount of a first digital asset to a digital asset exchange device for an exchange of the amount of the first digital asset to an amount of a second digital asset. The trader computing device includes a trader wallet that stores assignable tokens. The method further includes determining to assign conditional access rights to an amount of the assignable tokens to the digital asset exchange device to back the exchange, locking the amount of the assignable tokens, and providing the conditional access rights to the amount of the assignable tokens to the digital asset exchange device. The method further includes exchanging, by the digital asset exchange device, the amount of the first digital asset to the amount of the second digital asset and sending the amount of the second digital asset to the trader computing device.

The present disclosure relates to a Bitcoin hunter system combined with real-life automatic mining and homomorphic encryption-based data analysis service mediation, and the object of the present disclosure is to combine homomorphic encryption technology and block chain technology to provide necessary analysis services, without leaking sensitive personal information to the outside world, thereby mediating between service requesters and data analysis service providers, and allow service requesters to utilize available or idle computing resources for cryptocurrency mining based on the cloud mining method, enabling cost payment processing as well as resource utilization.