Methods and systems are presented for providing comprehensive payment transaction services through a digital wallet. The digital wallet enables a user to conduct an electronic transaction with a merchant or another user. In one aspect, the digital wallet may modify a payment arrangement of the electronic transaction. For example, the digital wallet may determine a first payment arrangement that specifies one or more financial instruments and a payment deferral time period for the electronic transaction. Subsequent to processing the electronic transaction, the digital wallet may determine a different, second payment arrangement for the electronic transaction. The digital wallet may modify the electronic transaction based on the second payment arrangement without canceling the electronic transaction. In another aspect, the digital wallet may manage rewards by dynamically withholding rewards, releasing the rewards, and/or distributing at least portions of the rewards to different users.

A system for tokenizing multiple incompatible cryptocurrencies is disclosed. The system includes an interface that receives a request to tokenize defined quantities of two or more cryptocurrencies that are tokenized in accordance with respective tokenization protocols and are maintained on different cryptographic ledgers. The system includes a token generation system that generates a tokenized token that represents the defined quantities of the cryptocurrencies in accordance with a specific protocol that is different than the respective protocols to provide a unique tokenization of the defined quantities cryptocurrencies. The system further includes a ledger update system that writes the tokenized token to a cryptographic ledger that is compatible with the specific tokenization protocol and assigns the tokenized token to an account of the user that owns the defined quantities of cryptocurrencies on the compatible ledger, thereby allowing the user to participate in transactions using the defined quantities cryptocurrencies.

A tokenization system that facilitates token-based trades of items is disclosed. The system includes a token generation system that generates digital tokens that are cryptographically linked to respective item identifiers of respective items. The system includes a ledger update system that writes the digital tokens to a cryptographic ledger and updates ownership data thereof to reflect respective owners of the digital tokens. The system also includes a trading system that facilitates non-monetary exchange of the items using the digital tokens, whereby a transfer system initiates a transfer of a second digital token to a first account of a first user and a second transfer of a first digital token to a second account of a second user on the cryptographic ledger in response to the trading system facilitating a trade of the first item and the second item between the first and second user.

A system for facilitating transactions for real-world items in video games using digital tokens is disclosed. The system is configured to generate a digital token and cryptographically link the digital token to on a blockchain to facilitate transactions for the item using the blockchain. The system includes a video game integration system that serves an electronic advertisement corresponding to the real-world item to a video game that includes a visual indicum of the token; receives a notification indicating that a user has transacted for the real-world item via the video game; and initiates an assignment of the digital token to an account of the user on the blockchain, such that ownership data of the digital token is updated to reflect that the user is an owner of the digital token, such that the user may redeem the token to take possession of the item.

In embodiments, a method for facilitating token-based transactions for real-world items in video games using digital tokens is disclosed. The method includes receiving, by the video game instance, an in-game advertisement from a video game integration system, wherein the in-game advertisement is an advertisement to transact for an advertised real-world item represented by an advertised digital token generated by the tokenization platform and includes a visual indicum corresponding to the digital token. The method also includes presenting, by the video game, the electronic in-game advertisement to the user via a display device of the user device and facilitating a transaction by the user for the advertised real-world item. The method also includes transmitting, via the video game, a request to the video game integration system requesting updating of ownership data of the advertised digital token to reflect that the user is the respective owner of the advertised digital token.

In embodiments, a system for tokenizing incompatible currencies is disclosed. The system includes a currency bridge that receives a request to tokenize an amount of currency for a user, verifies verify that the user has the defined amount of currency and that the currency has been locked in an account such that the user is unable to transfer the defined amount of currency from the account, and in response to verifying that the defined amount of currency has been locked, request generation of an NFT in accordance with a tokenization protocol that represents the locked currency. The system includes a token generation system that generates the NFT and a ledger management system that associates the NFT with an account of the user on a cryptographic ledger that stores NFTs that are defined in accordance with the protocol, thereby allowing the user to transact using the NFT.

The invention disclosure relates a method and system that converts routine cash sales transactions into a banking transaction at the point of sale. It provides cash sale purchasers, i.e. consumers, with the option of electronically depositing their change into a savings or other type of account with a financial institution at the point of sale. The account is linked to the consumer's magnetic stripe change card; the magnetic stripe is placed on the automated and transactional magnetic change card.

In a general aspect, a method can include establishing a contactless communication channel with a contactless transaction terminal and receiving a command from the contactless transaction terminal. The command can include an identifier of an application. The method can also include selecting, in a table in response to the command, an instance identifier corresponding with an instance of the application from a plurality of instance identifiers corresponding, respectively, with different instances of the application. Each instance identifier can be associated with a state indicator, and the state indicator associated with the selected instance identifier can specify that the corresponding instance of the application is in a selectable state. The method can further include transmitting the command to the corresponding instance of the application; activating, in response to receiving the command, the corresponding instance of the application; and executing, by the activated instance, a contactless transaction with the contactless transaction terminal.

A method includes determining, by a digital asset custodial device, to assign conditional access rights to an amount of assignable tokens stored in a digital asset custodial device account of the digital asset custodial device to a network computing device of a cryptocurrency payment system to back certain interactions of the cryptocurrency payment system. The conditional access rights are in accordance with a set of conditions. The assignment of the conditional access rights is a self-enforcing smart contract embedded in an assignable token distributed ledger. The method further includes locking, by the digital asset custodial device and in accordance with the self-enforcing smart contract, the amount of the assignable tokens stored in the digital asset custodial device account and providing the conditional access rights to the amount of the assignable tokens to the network computing device. The network computing device does not store the amount of the assignable tokens.