An example computer-implemented method includes: receiving assets from an external entity for use with a payment service; receiving a request to process payment for a transaction associated with a user; determining that a reward configuration is associated with a user account of the user; determining, based on a characteristic of the transaction and the reward configuration, an amount of the assets to assign to the user in association with the transaction; and assigning the amount of the assets to a wallet of the user, wherein assigning the amount of the assets includes: updating, using an internal ledger, a wallet of the payment service to indicate that the amount of the assets is owned by the user; and updating the wallet of the user to indicate ownership of the amount of the assets, without accessing the external entity at the time of the updating.

A foreign currency transaction system and method can allow both users and merchants to carry out foreign currency transactions without using a point-of-sale (POS) device. In addition, users can carry out foreign currency transactions without knowing much of a foreign language in order to engage with a merchant in a foreign country. In addition, a user may lock-in a foreign currency exchange rate so that the user is able to have some certainty in relation to the foreign currency transaction, and can simplify the use of payment cards for foreign currency transactions by capturing an electronic image of a pricing indicator at a juncture of initiating a foreign currency transaction, and processing the electronic image to automatically determine a required payment amount represented on the pricing indicator.

Systems and methods are described for implementing blockchain-based content engagement platforms. In several embodiments, the content engagement platform includes a registry service which enables verified content creators to mint Non-Fungible Tokens (NFTs). In many embodiments, media wallet applications enable users to securely store NFTs and/or other tokens on their devices. In a number of embodiments, the media wallet applications collect data concerning media consumed by users and aggregate the media consumption data in a permissioned analytics blockchain. The manner in which the media consumption data is stored can enable users to control permission to access their personal data. In one embodiment, a media wallet is provided that can securely store NFTs, display a user interface through which user instructions concerning data access permissions are received, and cause media consumption data to be written to at least one immutable ledger in conjunction with a set of data access permissions.

Embodiments relate to systems, apparatuses, and methods for performing transaction signing utilizing asymmetric cryptography and a private ledger. A transaction data is signed by a user device using a private key, and may be utilized in an authorization request message without including a real credential of the user. A transaction verification and accounting module (TVAM) can verify the signed transaction data and can continue processing the transaction.

Aspects of the disclosure relate to storing sensitive information. A computing platform may split a signature key into shares, which may be used to regenerate the signature key. The computing platform may encrypt these shares using corresponding SEKs, and may subsequently encrypt the SEKs using corresponding operator keys. The computing platform may distribute the operator keys to user devices via corresponding HSMs. The computing platform may store the encrypted shares, encrypted SEKs, and identifiers of the user devices. The computing platform may receive requests for the encrypted SEKs from the user devices, and may send the respective encrypted SEKs accordingly. The user devices may return, to the computing platform, corresponding decrypted SEKs. The computing platform may use the SEKs to decrypt the encrypted shares, which may then be used to reconstruct the signature key.

Various embodiments of the present disclosure provide methods, apparatuses, systems, devices, computing entities for managing digital asset transactions. An example method includes obtaining first current pricing data via an application programming interface, and providing the first current pricing data via a client device. The method further includes, responsive to determining that a first configurable time period has elapsed: obtaining second current pricing data via an application programming interface, and providing the second current pricing data for display via the client device. The method further includes receiving a second transaction request and executing an off-chain digital asset transaction for the second transaction request between a central operating account and the internal user account within a second configurable time period. The method further includes dynamically providing a notification of execution of the off-chain digital asset transaction, and further generating and storing an account balance data object for the off-chain digital asset transaction.

The invention presents a solution in which blockchain Transactions are created to implement the functionality of a logic gate. The invention may be implemented on the Bitcoin platform or an alternative blockchain platform. The transaction includes a locking script which comprises instructions selected so as to implement the functionality of a logic gate such as OR, AND, XOR, NOT and so on. In some examples, the instructions may be provided in a hashed form. When the script is executed (because a second transaction is attempting to spend the output associated with the locking script) the inputs will be processed by the conditional instructions to provide an output of TRUE or FALSE. The second transaction is transmitted to the blockchain network for validation and, if determined to be valid, it will be written to the blockchain. Validation of the second transaction can be interpreted as a TRUE output. Thus, the locking script of the first transaction provides the functionality of the desired logic gate. The invention provides numerous advantages and can be used in a wide variety of applications, such as for the implementation of control systems and processes.

A system for better utilization of power consumption of a computing network in at least one blockchain system by validating digital currency transactions with minimal computing resources. The system is configured to (i) communicate at least one problem with a difficulty calculation specification using a centralized server, (ii) create a problem mempool to broadcast the at least one problem with the difficulty calculation specification, (iii) create a transaction mempool to enable the at least one miner to select the at least one transaction, (iv) validate a solution that corresponds to the at least one problem, (v) verify a block associated with the selected problem with a validated solution as proof of work and (vi) determine a problem fee for the at least one miner for the solved problem when the block associated is verified.

A Point-Of-Sale (POS) system for automatically converting transactions into cryptocurrency at a merchant terminal is provided in the present invention. Where the system permits a customer to pay in any currency and a merchant receives FX on blockchain or cryptocurrency rather than traditional currency. Further, the present invention removes barriers to transactions that might inhibit international commerce, or commerce with certain types of currency.

Systems for providing decentralized product and rewards delivery platform are provided. The system includes an asset management unit issuing a number of fungible tokens according to a number of products related to the company in a predetermined period of time provided by the company, and a blockchain platform which, when in operation, performs distributing the fungible tokens into wallets of users who purchase one of the products of the company from a platform; issuing drawing tickets to the wallets of the users who redeem the fungible tokens, where the drawing tickets are automatically entered into a rewards pool for drawing; drawing rewards in the rewards pool to determine winners from the users who have the drawing tickets, according to reward rules; and issuing the rewards using smart contracts and depositing the rewards into wallets of the winners. The winners redeem the rewards by claiming the drawing tickets in their wallets.