A method includes receiving a transfer request defining a transfer amount of tokens to be transferred from a sender associated with a first digital wallet to a receiver associated with a second digital wallet. The sender has a total token balance including an attributed token balance and a float token balance of float tokens, the attribution token balance and the float token balance are maintained within a token contract, and the receiver is assigned with a designated attribution property. The method further includes causing a transfer function of the token contract to be executed to transfer a set of tokens from the sender to the receiver. The set of tokens is determined based on a transaction payload comprising at least one of: a number of attributed tokens debited from the attributed token balance or a number of float tokens debited from the float token balance.

A mobile electronic device for authenticating a user involved in a transaction and a method thereof is provided. The mobile electronic device includes a biometric sensor, a user interface configured to PIN or other secret information known to the user, and one or more processors configured to authenticate the user based on the user input, authenticate the user based on the biometric information, retrieve identification information including mobile device and user account information, and generate a one-time authentication code specific to the transaction. The device also includes a wireless communications interface configured to transmit the identification information and the one-time authentication code to a computer system for processing, where generating the one-time authentication code occurs responsive to successful authentication of at least one of the biometric information and the user input, and where the wireless communications interface is further configured to receive an enablement signal indicating an approved transaction.

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.

A mobile electronic device for authenticating a user involved in a transaction and a method thereof is provided. The mobile electronic device includes a biometric sensor, a user interface configured to PIN or other secret information known to the user, and one or more processors configured to authenticate the user based on the user input, authenticate the user based on the biometric information, retrieve identification information including mobile device and user account information, and generate a one-time authentication code specific to the transaction. The device also includes a wireless communications interface configured to transmit the identification information and the one-time authentication code to a computer system for processing, where generating the one-time authentication code occurs responsive to successful authentication of at least one of the biometric information and the user input, and where the wireless communications interface is further configured to receive an enablement signal indicating an approved transaction.

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.

A computer-implemented system and method that includes receiving, by a messaging hub computer system, from a point of sale (POS) device of a merchant, a request to process a refund for a transaction that occurred between the merchant and a mobile device of a payor, the request comprising a previously used code that was exchanged between the POS device and the mobile device. The method includes determining, by the messaging hub computer system, a first financial institution based at least partially on a portion of the code, and receiving, from a computer system of the first financial institution, payment credential information of an account held by the payor to process the refund using the payment credential information. The method may further include transferring, by the messaging hub computer system, the refund from an account held by the merchant to the account held by the payor.

A method for providing in-context information is disclosed. The method includes receiving a request for in-context information, establishing a connection between the integration system and one or more user accounts, determining a user verification level, requesting user-specific data associated with the one or more user accounts upon determining the user verification level, and causing to display the in-context information via a user interface.

A method of providing instructions to a payment device, wherein instructions are generated without requiring data from the payment device, the method comprising: delivering instructions that are part of an ordered sequence of instructions to a payment device; and identifying instructions that should be applied out of sequence without preventing the delivery of subsequent instructions in a sequence. A method of receiving instructions at a payment device and a payment device are also provided.

Embodiments allocate and synchronize virtual currency balance of a user among multiple user devices. A user profile is maintained at a central server. The user profile stores a total virtual currency balance and a designation of multiple user devices associated with the user. The total virtual currency balance may be divided among and allocated to the multiple user devices, for example, based on usage data associated with each user device. The portion of the total virtual currency balance allocated to each user device may be stored locally at a local wallet of the corresponding user device. The local virtual currency balance on a user device may be used to purchase goods or services, such as playing a game. If the locally stored virtual currency balance of a given user device runs low, the user device may request additional virtual currency from other user devices without contacting the central server.

There is described an apparatus for recording information relating to a blockchain transaction, the apparatus comprising: a communication interface for receiving a transmission associated with a transaction, wherein the transaction is associated with the blockchain; a memory; and a processor for: recording the transaction on the memory; determining provenance information associated with the transaction; and recording the provenance information on the memory; wherein the processor is arranged to determine a network status of the apparatus, wherein: using the communication interface, the apparatus is arranged to record the transaction and/or the provenance information on the blockchain when the apparatus is connected to a network; and/or the apparatus is arranged to record the transaction and/or the provenance information on the memory when the apparatus is not connected to a network.