A computing system can facilitate cross-medium transactions through use of a digital currency. The computing system can provide a guaranteed exchange rate and manage customer pools and/or slippage balances in digital wallets to adjust digital currency transfer amounts in order to align them with the guaranteed exchange rate.

A unified wallet manager (UWM) virtualized as a single virtual service in which all transactions relative to the UWM are treated as immutable facts permanently stored in append-only queues or ledgers from the time of their creation. A rules engine reads conversion requests in request calls to the service, and determines which rule or rules to apply to convert funds from one ledger to another, in the same or different vertically scaled gaming systems. The UWM is a peer of other vertical gaming systems, and the gaming systems access the UWM via an API server and data egresses from the UWM through an ETL process from a database cluster. The immutable queues allow for data reconstruction using any desired data model. The ledger stores funds of many different types, including real money, points, play money, and others. Third parties can integrate with the UWM through an integration hub connected to the UWM.

An integrated autonomous checkout system is disclosed, including a hand-held tallying device, an identity authentication module, and a payment module. The hand-held tallying device includes a scanner, memory, and a hand-held tallying device program encoded in the memory for recording a tally of items scanned with the scanner. The hand-held tallying device is in communication with at least one remote server. The identity authentication module includes an identity authentication module program configured to verify an identity of a user as a first authentication factor. The payment module includes a payment module program configured to receive a price corresponding to the tally and direct an electronic payment from an account associated with the user to a seller in response to an instruction provided by the user. The payment module includes a second authentication factor different from the first authentication factor.

A method for storing platform-agnostic digital media rights on a blockchain includes: receiving a transaction message related to a payment transaction, wherein the transaction message is formatted according to one or more standards and includes at least a plurality of data elements, the plurality of data elements including a first data element storing a primary account number and a second data element storing a product identifier; identifying a digital content identifier mapped to the product identifier; identifying a digital token mapped to the primary account number; generating a new blockchain data entry, wherein the blockchain data entry includes at least the digital token and the digital content identifier; and transmitting the new blockchain data entry to at least one node of a plurality of nodes comprising a blockchain network.

A system may include a blockchain network, a trust entity, and multiple user devices. A smart contract of the blockchain network may be configured to receive data from the trust entity and transfer digital stable tokens to a first user's cryptocurrency wallet. The first user may generate a blockchain transaction on the blockchain network in order to transfer some digital stable tokens to a second user. The second user may cash out some of the digital stable tokens via a smart contract of the blockchain network. The smart contract may send an instruction to the trust entity's computing system to transfer fiat currency into a financial account of the second user. A token cross-chain bridge may also facilitate the exchange of cryptocurrency for digital stable tokens.

A cryptocurrency trading management method executed by a computer system is provided. The method may include: collecting trading information associated with a cryptocurrency for each cryptocurrency exchange with respect to a plurality of cryptocurrency exchanges; determining a market price of the cryptocurrency in a cryptocurrency market comprising the plurality of cryptocurrency exchanges, based on the trading information; comparing a trading price of the cryptocurrency on a first cryptocurrency exchange of the plurality of cryptocurrency exchanges with the market price; and triggering a circuit breaker for the cryptocurrency based on a result of the comparing the trading price with the market price.

A network-connected, electronic refund processing system encourages household saving by enabling consumers to receive a card payment refund in forms other than the conventional method of crediting the consumer's account with fiat currency. The enhanced refund processing system connects legacy payment/refund systems to distributed stored value systems such as virtual currency wallets, and to systems for recording ownership of other financial assets such as commercial paper and securities. In exemplary embodiments, the consumer can choose to receive refunds in the form of various non-cash financial assets, including virtual currencies, and more specifically cryptocurrencies such as Bitcoin, ether and Litecoin; commercial paper (loans, contracts, forms and others); and securities (stocks, bonds, derivatives, and other financial assets).

A device includes one or more NFC chips that are preprogrammed to provide a payee's identification and information for launching any of several P2P cashless payment applications to which the payee is subscribed, to a mobile phone of a payor. When a mobile device of a payor is brought to the vicinity of an NFC chip of the device, the mobile device launches a corresponding P2P cashless payment application. The P2P cashless payment application shows the payee's information and the payor may proceed to make a payment to the payee. The device may include an NFC chip that is preprogrammed to provide the payee's identification and the information for launching a single application on the mobile device of the payor to display the P2P cashless payment applications to which the payee is subscribed. The payor may then proceed to make a payment to the payee using the payor's mobile device.

An opt-in digital marketing method which allows users to access content free of advertisements with an option to engage with advertisement through a separate and distinct plug-in. To access plug-in content user will click on an icon to display a series of advertisement offers. Each advertisement offer is provided by a third party advertiser and allows the user to interact with the offer often providing a response incentive for such interaction, such as a coupon, discount or free gift. The method provides the user with a wallet page that stores all response incentives received and tracks whether the user has redeemed the incentive. Additionally, the present method allows a user to share or save advertisement offers.

A digital signature creates an immutable and permanent record of a signature that is used to authorize a transaction, contract, smart contract or other notable event in a digital realm. A record of a digital signature is kept in the blockchain as a record of the signatory event that occurred. Digital signatures that are both authenticated and verifiable enable trust in decentralized networking environments like blockchains where the nodes powering the network are owned and operated by individuals that are not associated and may not know of, or about each other.