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.

Described herein is a computing system for linking products and containers to cardholders. The computing system is configured to receive transaction data associated with a transaction carried out by a cardholder, the transaction data including an account identifier associated with the cardholder, a product identifier, and a container identifier associated with a product purchased in the transaction. The computing system also links the product identifier and the container identifier to the account identifier, and stores the linked product identifier, container identifier, and account identifier. The computing system receives, from a user device, the container identifier associated with the container received by a user associated with recycling the container, determines the account identifier linked to the container identifier associated with the product received by the user, and automatically provides a reward to the cardholder via the account identifier.

A post-paid transaction data processing method includes: receiving risk search information via a wireless or wired interface, the risk search information including a transaction amount and a transaction user identifier of a post-paid transaction; acquiring, according to the transaction user identifier, a payment channel corresponding to the transaction user identifier; determining a predictive affordable value of the payment channel for the transaction amount based on the payment channel and the transaction amount; and determining a default evaluation result of the post-paid transaction according to the predictive affordable value.

According to an exemplary embodiment of the present disclosure, a computer program stored in a computer readable storage medium is disclosed. The computer program includes commands causing a computer to perform operations below, the operations including: receiving first information about an advertisement transaction request, second information about a reward payment condition, and a sealed first coin from an advertiser device; receiving advertisement selection information from an advertisement agency; generating an advertisement page based on the first information when the advertisement selection information corresponds to the first information; transmitting the advertisement page to the advertisement agency to cause the advertisement page to be exposed through the advertisement agency; transmitting the second coin to the advertisement agency based on the second information and transmitting the sealed third coin to the advertisement exposure target according to a reception of an application signal from the advertisement exposure target through the advertisement page; and when the reward payment condition is satisfied, transmitting a first key corresponding to the second coin to the advertisement agency, and transmitting the second key corresponding to the third coin to the advertisement exposure target.

Methods and systems are described for generating and accessing a digital wallet including a random data encryption key (DK) and locked with a wallet password. A method includes the following steps done by a hardware security module (HSM): generating a wallet password based on an identifier (ID) generated by a database server and a keyed-hash message authentication code (HMAC) key element generated by the HSM; generating the digital wallet including the DK; locking the digital wallet with the wallet password; transmitting the digital wallet to the database server without the wallet password; destroying the wallet password and the HMAC key; receiving a password request message including the ID and the encrypted HMAC key from the database server; regenerating the wallet password using the ID and the HMAC key; digitally signing and encrypting the regenerated wallet password; and transmitting the digitally signed and encrypted regenerated wallet password to the database server.

The present disclosure provides a method of implementing a payment service for one or more clients for transactions associated with a distributed ledger, such as the Bitcoin blockchain. The method comprises providing an alias for a client, associating the alias with a network in a directory and providing a location for a host computing resource responsible for the payment service, wherein the host computing resource is configured to facilitate identification of the client associated with the alias. The present disclosure also provides a method comprising creating a machine readable resource in a location associated with the payment service, wherein the machine readable resource comprises an endpoint identifier for the payment service, an entry associated with at least one capability supported by the payment service, and instructions and/or a specification for accessing a public address for facilitating transactions associated with the alias. The present disclosure also discusses a method of implementing a simplified payment protocol for clients associated with the payment service.

A method for use in a hybrid network ecosystem comprising an enterprise network and a reconciliation network is presented. The method comprises generating, by at least one first computing node in the enterprise network or the reconciliation network, a first digital facilitator, wherein the first digital facilitator provides one or more parameters for accessing or distributing data on a distributed ledger in the enterprise network, and wherein a private key is used for performing a computing operation, based on the data, in the enterprise network. The method also comprises generating, by the at least one first computing node in the enterprise network or the reconciliation network or at least one second computing node in the enterprise network or the reconciliation network, a second digital facilitator, wherein the second digital facilitator provides the one or more parameters for accessing or distributing the data in the reconciliation network.

A method for identifying a wallet address associated with a virtual asset service provider is provided. The method comprises receiving a target wallet address, obtaining a transaction of a virtual asset associated with the target wallet address, obtaining a list of a plurality of known wallet addresses of virtual asset service providers (VASPs) and identifying a type of the target wallet address, by performing at least one of a cold wallet determination routine and a hot wallet determination routine for the target wallet address, based on the transaction and the list of known wallet addresses of the VASPs.

Tracking and clawing back unspent transaction output (UTXO) tokens mechanism are disclosed for distributed ledger technology-based networks (DLTNs) operating a UTXO-based token transaction model (which can include blockchain networks). Some embodiments comprise receiving a request to transfer a UTXO token in a DLTN operating a UTXO-based token transaction model. Further, the embodiments can include determining that a clawback list includes the genesis token identifier and barred token identifiers of UTXO tokens barred from being transferred on the DLTN. In addition, the embodiments can include determining whether the clawback list includes any of the ancestral token identifiers of the UTXO token and generating an instruction regulating the transfer of the UTXO token in the DLTN based on the determining whether the clawback list includes any of the ancestral token identifiers. Such techniques improve the security and functionality of DLTNs such as a blockchain network.

Disclosed are a payment processing apparatus using a virtual currency with an automatic trading function of the virtual currency and an operating method thereof. The present invention may provide a platform which may use a virtual currency as a trading means of goods by presenting a payment processing apparatus for supporting a product purchaser to pay a price of a product to a product seller using a virtual currency and an operating method thereof.