A system for a mobile digital currency exchange is disclosed. The system may receive a sign-in data. The system may generate an authentication request based on the sign-in data. The system may receive an authentication data. The system may display a trading interface comprising a portfolio drawer based on the authentication data, wherein the portfolio drawer is configured to display an instrument detail and an account summary.

Systems and methods for secure resource management are provided. A secure resource management system includes a blockchain-based computing network configured to host a blockchain for generating a digital object to represent a resource associated with a physical object and transferring the digital object to a secure network address associated with a user. The secure resource management system further includes a database configured for storing data in the blockchain and a services layer system for communicating with the blockchain and the database by requesting the blockchain to generate the digital object, storing the identifier of the digital object in the database, requesting the blockchain to transfer the digital object to a secure network address associated with a user and updating the database to indicate that the digital object is assigned to the user.

A transaction is pre-staged by providing transaction preferences, such as a financial instrument, a transaction type, and a transaction amount, to a user device. The user device captures a visual code at a terminal, such as an ATM. The visual code includes terminal attributes, including a signed hash and call-back URI. The user device authenticates the visual code using the signed hash and requests the transaction through the issuer server. The issuer server creates and sends the card data to the call-back URI. The terminal uses the card data to create a transaction request it routes to through its acquirer server.

The Vehicle Appearance Protection and Enhancement Apparatuses, Methods and Systems (APEPS) transforms initial product attribute data inputs via APEPS components into future product value enhancement verification outputs. In various aspects of the various embodiments of the APEPS system, an Automotive Appearance Protection Trade Credit, voucher, coupon, allowance, guarantee, etc. is provided to a user. The trade credit may equal a percentage, flat dollar amount, or dollar for dollar up to a maximum amount of the original automotive appearance protection/product purchase/lease price. The customer is provided with tangible value upon leaving a dealership, which states that by applying these products/protections the vehicle trade-in value will be enhanced. The APEPS provides a web portal for both customers and dealers that will automatically calculate and continuously update the trade credit.

Embodiments of the present invention provide a system for resource distribution within an offline environment. A merchant device internally stores a repository of reference codes and managing entity public keys that are paired with managing entity private keys. The user requests an amount of resources for offline exchange from the managing entity system. The managing entity system transmits certain authorization and encryption information to a user device. When the user device receives an exchange prompt from the computing device of the merchant through near field communication, it generates a digital token incorporating layers of content encryption ending with a managing entity's private key. The encrypted token and reference code are transmitted via near field communication to the merchant device. The merchant device matches the reference code to the managing entity public key and decrypts portions of the token with the managing entity public key to acquire the usable exchange information.

Disclosed are non-limiting methods for authenticating devices, comprising receiving a request for a device authentication identifier, transmitting a device authentication request message via a frame embedded in a webpage of a merchant website, the device authentication request message comprising challenge data associated with a challenge, receiving a device authentication response message via the frame embedded in the webpage of the merchant website based on the device authentication request message, the device authentication response message comprising challenge response data associated with a challenge response, transmitting the device authentication identifier message based on the device authentication response message, receiving a transaction request message for a transaction, comprising the device authentication identifier and transaction data associated with the transaction, determining the device score based on the device authentication identifier, and generating, an authorization request message based on the transaction data and the device score. Systems and computer program products are also disclosed.

Systems and methods for managing token-based transactions are disclosed. According to one embodiment, a method for managing token-based transactions may include (1) a token manager server comprising at least one computer processor receiving, from a customer, a request to provide a payment token to a merchant; (2) the token manager server receiving, from the customer, an identification of a first financial instrument and a second financial instrument to associate with the payment token; (3) the token manager server receiving, from the customer, an allocation of a transaction between the first financial instrument and the second financial instrument; (4) the token manager server generating the payment token and associating the payment token with the first financial instrument and the second financial instrument; and (5) the token manager server providing the payment token to the merchant.

According to embodiments of the present disclosure decentralized loan processes are disclosed. An example method includes receiving a request to initiate a loan process that indicates a collateral item. The method also includes generating a collateral token corresponding to the collateral item. The method further includes instantiating a loan process smart contract instance that is configured to manage a loan process in accordance with a loan process workflow, wherein the loan process smart contract instance that is configured to instantiate a loan smart contract receives a loan agreement notification indicating one or more loan term parameters of a loan that was agreed to by a lender and the borrower and to manage repayment of a loan based on the one or more loan term parameters. The collateral token is locked in an escrow account stored on a distributed ledger until the loan is fully repaid or in a default state.

Various embodiments are generally directed to enhancing a card activation experience for an authorized card user when activating a new card by at least displaying various types of information related to the new card in augmented reality (AR) and allowing the user to perform the activation itself or experience other aspects of the activation process in AR. Information pertaining the successful activation of the card may also be provided to the user in AR.

Examples for enabling off-network transactions to be performed and securely managed are provided. An example system may include a data network, a digital ledger server, a blockchain platform, smart payment devices, and point of sale devices. Each respective point of sale device and each respective smart device may be operable to perform an off-network transaction, and store information related to the transaction in a digital ledger coupled to each respective device. When a transaction is executed between a POS device and a smart payment device, the POS device and smart payment device exchange a record of all off-network transactions that each respective device has executed since the last time a connection was made to the data network. When a network connection is established for each device, the respective information stored in the digital ledger is uploaded to the blockchain platform for storage and the digital ledger server for transaction resolution.