Systems and methods for verifying a financial transaction based on an account number, a mobile directory number associated with the financial transaction, a mobile directory number associated with the account number, an email address associated with the account number, internet protocol address data associated with the financial transaction, and internet protocol address data associated with accesses of the email address.

Various embodiments are directed to processing conversions of digital assets to other digital assets. An example method includes determining a source exchange rate for a source digital asset and a fiat currency, determining a target exchange rate for a target digital asset and a fiat currency, and generating an aggregated conversion rate for the source digital asset and the target digital asset using the source exchange rate and the target exchange rate. The method further includes executing a digital asset conversion, which includes causing source digital asset units to be debited from a source digital asset user account and causing target digital asset units to be credited to a target digital asset user account, and subsequently executing fiat currency transactions (e.g., settlements) with a first digital asset exchange system associated with the source digital asset and a second digital asset exchange system associated with the target digital asset.

Various embodiments of the present disclosure are generally directed to processing conversions of digital assets to fiat currency. An example method includes obtaining a conversion rate for a digital asset via an API, providing the conversion rate via a client device, receiving a digital asset conversion request and executing a digital asset conversion within a configurable time period. Executing the digital asset conversion includes causing digital asset units to be debited from the digital asset user account and causing fiat currency units to be credited to a fiat currency user account. The method further includes dynamically providing a notification of execution of the digital asset conversion via the client device, updating account balance data objects associated with the digital asset user account and the fiat currency user account, and subsequent to executing the digital asset conversion, executing a fiat currency transaction (e.g., a settlement) with a digital asset exchange system.

This computerized system can include a computer system in communication with an immutable storage; a first data capture device and a second data capture device can be in communications with the computer system; a set of computer readable instructions can be included in the computer system configured for receiving a first event record including a first location, a first time and a first set of metadata wherein the first set of metadata includes an original digital representation captured by the first data capture device of the physical object, receiving a subsequent event record from the second data capture device and, determining if the original digital representation is equivalent to the subsequent digital representation thereby providing for verification that the same physical object transitioned from an originating event to a subsequent event.

Systems, apparatuses, and methods are provided herein for processing a merchandise return transaction. A system for processing a merchandise return transaction comprising: a user interface for allowing direct entry of information by a customer without assistance from a worker; a database; and a control circuit coupled to the user interface and the database, the control circuit configured to execute the return transaction by: obtaining from the customer identifier relating to a purchase transaction in which at least one item was previously purchased; identifying a product item from the purchase transaction to be returned; obtaining from the customer a reason for the product item to be returned; obtaining from the customer a preferred tender for the return transaction; authorizing the return; and providing instructions to the customer for returning the product item to a retail facility.

A time-dependent blockchain based self-verification user authentication method of the present disclosure includes, a reservation registration step for registering reservation time which is obtained by adding a set time to an input time, and an authentication subject to a blockchain which is distributed and stored in a plurality of nodes; a reservation notification step for notifying a notification group, which is associated with the authentication subject, of a reservation registered in the reservation registration step; a verification step for verifying authentication request time and the reservation time, which has been registered to the blockchain, when there is an authentication request with respect to the authentication subject; and a step for granting authentication when the authentication request time is within a valid range of the reservation time in the verification step.

In a method of validating a customer in an electronic transaction, an electronic interface of a vendor requests a first set of personal information to validate a customer. The first set of personal information is requested as a portion of a transaction between the electronic interface and a customer device used by the customer. Responsive to the customer's authorization, the electronic interface receives from the customer device an encrypted token which includes a second set of personal information which identifies the customer and encompasses at least a portion of the first set of personal information. The encrypted token is provided to the customer device from a third-party via an application on the customer device and is configured with the second set of personal information prior to the transaction. The electronic interface completes the transaction using the second set of personal information decrypted from the encrypted token to validate the customer.

A near-field communication (“NFC”) tag identifier (ID) associated with an establishment obtain by scanning an NFC tag at a location in the establishment using a wireless device of a patron is received. Login credentials associated with the patron and the wireless device are received. A location of the patron in the establishment is determined from the login credentials associated with the patron and the wireless device, and from the NFC tag ID. An available service of the establishment is communicated to the wireless device of the patron based on the login credentials associated with the patron and the wireless device, and from the NFC tag ID. The identified location is associated with exact order items so the service staff is able to keep track of an order made by the patron.

A computerized method for transactional approval stores, at a first computer system, first user identification data associated with a user. The first user identification data is insufficient to confirm an identity of the user. The computerized method stores, at the first computer system, first account identification data associated with the first user identification data. The computerized method receives, at the first computer system, second account identification data associated with a transaction, the second account identification data received from a second computer system. The computerized method also receives, at the first computer system, electronically obtained identification data associated with the transaction. Finally, the computerized method approves, by the first computer system, the transaction when the electronically obtained identification data associated with the transaction corresponds to the first user identification data, and the second account identification data corresponds to the first account identification data.

Provided is a network-enabled method for creating an online account using a network of devices. The method comprises: receiving by an authentication system, a request to create an online account with an online server; generating a visual graphical code by the authentication system, which is displayed on a display screen and comprises a validation identity; acquiring image data of the visual graphical code from a user device with aid of optical detection apparatus, by capturing an image of the visual graphical code displayed on the display screen; processing the image data to extract the validation identity; based on the validation identity identifying an online serve provider associated with the online server and user information categories associated with the online account; and based on identification information related to the user identifying the user, and the data to the online server for the online account with the online server.