Techniques are described for generating semi-random private transaction identifiers for users that are meaningful to data providers and can be used by data providers to perform internal queries for user data. A user provides input to an identity management service indicating the user's consent to link their user account at the identity management service to one or more data providers. The identity management service stores a group blinded transaction identifier (GBTI) based on transaction identifiers generated by one or more data providers. When the user desires to obtain a service from a service provider, the user obtains GBTI-derived value from the identity management service and sends it to the service provider. The service provider sends the GBTI-derived value (and possibly other information) to the data provider to prove that it has the user's consent to obtain desired data or insights about the user but without infringing the user's privacy.

Systems and methods for applying rules on crypto assets, comprising: an admin user crypto wallet; an end user crypto wallet; receiving in the admin wallet an action request from the end user via a smart contract; checking eligibility of the requested action according to the predefined or default rules; and approving and performing the action via a transaction to the block chain or denying the request, according to the eligibility.

Computer architecture for facilitating data transfer between a packet-based system and a blockchain-based system may include a computing server having interfaces and parsing tools for processing data packets transmitted from the packet-based system. The computing server maintains a plurality of blockchain-based units that are connected to the computing server's cryptographic public keys. The computing server may parse the text messages to identify a text string that matches a defined action keyphrase. The computing server stores new data associated with a user that is related to the text message. The new data reflects a change in a blockchain-based unit in accordance with an action corresponding to the defined action keyphrase. The computing server transmits a confirmation to the user. The blockchain-based unit remains connected to the public cryptographic keys of the computing server during storing of the new data and transmission of the confirmation.

Systems and methods for offering and purchasing tokenized securities on a blockchain platform meeting current and future federal, state, and offering and holding entity rules and regulations. Tokenized securities purchased during or after the tokenized securities offering are tradable on a secondary market. The server computer of the tokenized securities provides an automated transfer capability for tokenized securities holders.

A method for authentication of coupons using a blockchain includes: storing transaction data for a payment transaction, wherein the transaction data includes at least a transaction amount; receiving an identification value; receiving a block included in a blockchain, wherein the block includes at least a block header and a plurality of transaction values, each transaction value including at least a coupon identifier and coupon data; executing a query on the received block to identify a specific transaction value of the plurality of transaction values where the included coupon identifier corresponds to the received identification value; and executing a query on the memory to update at least the transaction amount included in the stored transaction data based on the coupon data included in the identified specific transaction value.

A virtual wallet of a consumer is established for receiving and transferring units of rewards over a plurality of disparate communication channels and a plurality of disparate entities. Units of rewards are processed to credit the virtual wallet from an issuing entity to the consumer and the units of rewards are processed to debit the virtual wallet of the consumer and credit a redeeming entity. Moreover, the units of rewards represent blockchaining reward value.

A digital modifier processing system includes a memory and a processor that receives a transaction message for a pending digital wallet payment transaction that includes a digital wallet identifier and a merchant identifier, identifies the digital wallet of the consumer based on the digital wallet identifier, determines, based on the merchant identifier, that the digital wallet of the consumer contains a digital modifier associated with the merchant that was donated by the merchant to a fundraiser as part of a fundraising campaign, the digital modifier identifies (a) one or more of a product and a service and (b) a discount amount for the one or more of the product and the service, verifies one or more of the authenticity and validity of the digital modifier, calculates a modified transaction price based on the discount amount, and transmits the modified transaction price for use in completing the pending payment transaction.

A computer-implemented method includes: determining assets held by a remitter, the assets to be spent in a remittance transaction between the remitter and one or more payees, in which each asset corresponds to a respective asset identifier, a respective asset amount, and a respective asset commitment value; determining a remitter pseudo public key and a remitter pseudo private key; determining a cover party pseudo public key, in which the cover party pseudo public key is obtained based on asset commitment values of assets held by the cover party; and generating a linkable ring signature for the remittance transaction.

A method for protecting a login process of a user to a service provider against brute force attacks is provided. A financial value is transferred from the user to a token provider for a temporary login token. A login attempt is performed by the user on the service provider, wherein the login attempt requires user specific login data and the temporary login token. If the login on the service provider was successful within a predefined number of login attempts, the financial value is transferred back to the user.

Provided is a data structure of virtual currency data with high safety. The virtual currency data, which is used in combination with a settlement device that accepts settlement when the virtual currency data is received from a predetermined device via a network and when predetermined conditions are satisfied, includes virtual currency encryption data which is data generated by encrypting, according to a predetermined encryption method, original data including at least amount information that is information for specifying a monetary value of the virtual currency data, and by further extracting characters, in conformity with a predetermined rule, from a character string obtained by the encryption.