In one embodiment, a method includes identifying, by a payment service, a plurality of security assets for inclusion in a pack of security assets. A value of the pack of security assets may be determined based on weighted values of a base unit of each of the security assets. Information may be sent to a first user's client device to display a user interface to purchase the pack of security assets. In response to receiving a purchase request in a specified amount, the payment service may calculate, for each of the security assets in the pack, the base units of the security asset based on the respective assigned weight and the value of a base unit of the security asset. Finally, for each of the security assets in the pack, ownership of the calculated number of base units of the security asset may be assigned to the first user.

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.

A computer-implemented method to participate in a token transfer process for transferring a first quantity of token from a sender node to a recipient node using a blockchain is disclosed. The token transfer process includes a plurality of participating nodes and execution of a set of indirect token transactions between multiple pairs of the participating nodes. The method is implemented at a participating node and includes: obtaining a subset of the set of indirect token transactions, the subset including only those transactions for which the participating node is either an input node or an output node, wherein the set of indirect token transactions is generated based on the first quantity of tokens and a predefined number of transaction rounds in the token transfer process; for each indirect token transaction in the subset, collaborating with a respective second participating node included in the indirect token transaction to generate a commitment channel for the indirect token transaction between the participating node and the second participating node; and collaborating with all other participating nodes in executing the indirect token transactions of the subset using the generated commitment channels.

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.

Systems and methods for providing blockchain based checks (BC Checks) that may be redeemed without traditional coordination between financial institutions of participants. Some particular embodiments of the present disclosure enable a recipient of a BC check (the payee) to validate the BC check directly through a blockchain hosted at least in part by the financial institution that issued the checks to the network participant using the BC check as payment (the payer) to the recipient. Some embodiments of the present disclosure further enable the payee to redeem the BC check for fiat currency directly through the payer's financial institution (even if the payee and payer do not share the same financial institution).

A method of conducting financial transactions is a blockchain-based method of securely transferring funds. First and second blockchain wallets are stored on a blockchain network. At least the first blockchain wallet contains a private key of a cryptographic key pair. When a request is made to transfer funds between the first blockchain wallet and the second blockchain wallet, a digital signature is generated from the private key. The digital signature represents authorization by a payer associated with the first blockchain wallet to initiate the transfer of funds to the second blockchain wallet. The digital signature is verified using a public key of the cryptographic key pair. The public key is associated with the blockchain network. The funds are transferred between the first blockchain wallet and the second blockchain wallet upon verification of the digital signature.

Disclosed are techniques that use devices with corresponding identity wallet applications that execute on an electronic processor device of the devices, and which identity wallets store identity information and encrypt the stored identity information. A distributed ledger system, and a broker system that interfaces to the wallet and the distributed ledger are used for various information exchange scenarios in which a requesting system and user devices, the distributed ledger system, the broker system and the requesting system are interconnected via an electronic network through respective network interface devices.

Systems and methods for managing bundles of cryptocurrency assets.

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.

Techniques are disclosed utilizing cognitive computing to improve banking experiences. A user's financial account(s) and location may be monitored to predict when a user is near a retail store and the user has not used a particular account in a predetermined amount of time. The techniques disclosed include receiving a location for a user's mobile device, and determining when the mobile device is within a predetermined threshold distance of a retail store. The techniques include building a shopping profile for the user based upon shopping habits for the user. The shopping profile may be used to determine what commercial communications should be transmitted to the user to encourage them to utilize an inactive account to make a purchase at the retail store when the user is within the threshold distance of the retail store.