An electronic receipt generator and method to provide an electronic receipt to a user device is described. The electronic receipt generator receives receipt information from a Point of Sale system, applies a filter to remove undesired information, formats the receipt information, injects injectable information, encrypts the receipt, and transmits the encrypted receipt to a user device. The electronic receipt generator may also print a physical receipt copy. The electronic receipt generator transmits the encrypted receipt to a user device using a contactless data transfer technology. A portable data card may be used to transfer a receipt to a remote user. The electronic receipt generator also transmits the encrypted receipt to an application server. The application server compiles injectable information tailored to a user device according to machine instructions. The application server decrypts the encrypted receipt and transmits the electronic receipt to the user device.

The various aspects discussed herein provide business customers with an option to dynamically establish a smart contract with the service provider that is offering the services with the minimum fee for a transaction, or based on other parameters. Block chain technology may be utilized to provide a platform for all service providers to bid for the lowest service fee (or other parameters) for a transaction (or set of transactions). Thus, the business application may launch the service provider that has the lowest bid or lowest service fee at run time.

A block consensus method of a computing device is provided. The computing device receives a delegate request message including transaction hashes from each of a plurality of nodes, generates a prepared block including transaction hashes based on the delegate request message, and transmits a prepare message including the prepared block to the nodes. The computing device receives a commit message including a proof of consensus on a validity of the prepared block from the nodes, and transmits a reply message including a final block decided based on the commit message.

A healthcare inventory management distributed ledger is a computer-implemented system and method for a cryptographic ledger application (CLA) that improves the inventory management, and financial transactions and process of communication between a healthcare facility and any vendor or third-party supplier organization that supplies for products for use within a facility. The healthcare CLA disclosed herein allows the facility, vendor, or third-party payors to transact on a common ledger system for an official record, communication, management, reconciliation, and remittance. Moreover, the healthcare CLA permits parties to use this system for product that is not the property of the facility.

A node in a blockchain network may receive an event initiation for a first digital corollary of a first physical asset, receive conditional data related to the first digital corollary, detecting, by the node, a link to a second digital corollary, prompt a simulation of the second digital corollary, receive an outcome of the simulation, and determine an executable action for the second digital corollary.

A system is provided that allows users to execute a secure transaction that is authenticated by their user device. Personally identifiable information (PII), such as, but not limited to, biometric authentication data, is locally stored on the user's device so as to protect the PII. A user device private key is associated with the particular user device and the user, and the corresponding public key is registered with a User Device Authentication Alliance server (UDAAS) system. In an online transaction, a LoginID server or an Access Control server interact with the UDAAS to confirm the user is authentic and has confirmed the transaction.

A system including one or more processors, a merchant account database including a plurality of merchant identifiers being associated with a plurality of merchants, a transaction database, and one or more non-transitory computer-readable media storing computing instructions that, when executed by the one or more processors, cause the one or more processors to perform certain acts. The acts can include receiving, at the system and from a mobile device being used by a consumer, a request including a merchant identifier of the plurality of merchant identifiers; determining, at the system and using the merchant account database, first information including a second account identifier for a second account of the merchant at the second financial institution; sending the first information from the system to the first financial institution; receiving in real time over a network, at the system and from the first financial institution, payment information regarding a payment to the second account from a first account of the consumer at the first financial institution to pay the merchant the payment amount for the one or more items; logging the payment information in the transaction database; and sending in real time over the network, from the system to the merchant, a notification of the payment from the consumer to the merchant. Other embodiments are described.

A server includes: a database that registers a payment instrument, associates the instrument with indirect tokens, and stores a payment token that associates the indirect tokens with the instrument in a record along with an identifier for a device; a communication circuit, that receives transaction details from a POS terminal, and receives the one of the indirect tokens from the POS terminal; and a code segment, that employs the payment token to access the identifier in the record, directs the communication circuit to send a push notification, and, upon execution of the proprietary application on the device, directs the communication circuit to transmit transaction details to the POS terminal and the device, receives transaction data from the device, completes the transaction, and directs the communication circuit to notify the POS terminal that the transaction is complete.

Systems and methods are provided for processing global CBDC transactions in a blockchain supported network, where domestic and foreign banking institutions may provide mutual hosting of a consortium blockchain to allow more seamless and direct CBDC supported transactions, and CBDC exchanges in real-time or near-real time.

Systems and methods are provided for processing global CBDC transactions in a blockchain supported network, where domestic and foreign banking institutions may provide mutual hosting of a consortium blockchain to allow more seamless and direct CBDC supported transactions, and CBDC exchanges in real-time or near-real time.