Systems and related methods facilitating interactions between a merchant device, a central system and a consumer device are discussed herein. A system that may be implemented to provide a master merchant having a merchant device with a POS system configured to generate a bill for products, experiences, or services provided, a way to link or associate one or more accounts, such as contractor accounts to their master merchant account or merchant device, and transfer a portion of the payment to the linked accounts. In addition, some embodiments of the system may provide for receiving selection of, for each product, service or experience provided, a contractor account from a list of one or more approved contractor accounts linked to the master merchant account. Further embodiments may provide for receiving a payment or payment information for a charge amount, the charge amount comprised of costs associated with the products, services and experiences, as well as adjustments for redeemed instruments, taxes, tip or the like.

An apparatus for storing a set of events, is provided, the apparatus comprising one or more circuitry configured to: receive an electronic message comprising information of a first event between a first party and a second party, the first event being initiated by the first party; determine whether a record of the first event exists in a first storage unit; wherein when it is determined that the record of the first event does not exist, the one or more circuitry is configured to: determine whether any subsequent events between the second party and a third party are initiated by the second party within a predetermined time of the first event; and store an association between the second party and a first set of events, the first set of events comprising the first event and the subsequent event, in a second storage unit, when the subsequent event is initiated within the predetermined time.

This disclosure is directed to item-identifying carts that may be utilized by users to automatically identify items that the users place in their carts. In addition, these carts may automatically determine the outcome of respective events that occur with respect to these identified items. For example, the carts may be configured to identify one or more items that are placed into or removed from the cart, and thereafter determine one or more actions taken with respect to the identified items and a quantity of the items involved. For example, after identifying a first item and a second item either placed into or removed from the cart, the cart may determine that the user added two instances of the first item and removed one instance of the second item. In response to making this determination, the cart may update a virtual cart of a user operating the physical cart.

A sleep pattern analyzer (SPA) system for capturing and analyzing sleep data and sleep pattern data is provided. The SPA system is configured to receive sleep data associated with a user, the sleep data including a registered user identifier and at least one sleep time stamp, and store the sleep data in a sleep pattern database. The SPA system is also configured to receive transaction data for a transaction initiated by a consumer with a merchant. The SPA system is further configured to match the consumer identifier to the registered user identifier, generate a fraud notification message when the transaction time stamp overlaps with the at least one sleep time stamp, and transmit the fraud notification message to at least one of an issuer, the merchant, and the consumer associated with the consumer identifier.

A system includes a server and merchant device. The server receives product information for a product scanned by a mobile device. The server stores the product information for the product in a digital cart. The server receives a transaction request from the mobile device, determines that the product is associated with a validation requirement, and transmits a validation request to the merchant device. The server receives, from the merchant device, an indication that the validation requirement is satisfied, processes a transaction, and transmits, to the merchant device, an indication that the transaction is complete. The merchant device receives the validation request, determines that the validation requirement is satisfied, and transmits the indication that the validation requirement is satisfied to the server. The merchant device receives, from the server, the indication that the transaction is complete and displays the indication that the transaction on the display.

One embodiment of the invention is directed to a method that utilizes a mapping between a blockchain address and a payment credential. In some embodiments, the mapping may have been previously generated based on blockchain data (e.g., one or more blockchain tokens) associated with a blockchain address and a previously provided set of conditions. An authorization request message is later received that includes the payment credential. The blockchain address may be retrieved from the mapping and it may be determined whether the set of conditions have been met. One or more operations may be executed based on determining the set of conditions have been met.

Systems and methods are provided for imposing physical actions, by endpoints, based on activities by users. One such method includes imposing a physical actions via a drone, by an endpoint associated with the drone, based on an activity undertaken by a user. The method includes receiving, by a computing device, an activity message including data indicative of an activity of a user and retrieving at least on rule from a data structure based on the data indicative of the activity where the at least one rule includes a physical action for said activity of the user. The method then includes identifying, by the computing device, the physical action from the at least one rule and transmitting, by the computing device, an order for the physical action to an endpoint, whereby the endpoint commands a drone to perform the physical action.

An online document system manages access to features within the online document system. The online document system may receive and fulfill a request from a first entity to sponsor a feature for a second entity. The online document system may determine an access policy to restrict access to the sponsored feature. For example, the access policy may include a requirement that the second entity only use the sponsored feature with the first entity. The first entity may provide a second access policy to the online document system to enforce. If the second entity satisfies requirements of the access policies, the online document system may then provide access to the second entity to use the sponsored feature.

An example operation includes one or more of capturing message content from messages between a sender and receiver which comprise information about a transfer of value from the sender to the receiver, detecting information about a compliance check within the message content which indicates whether the transfer of value complies with jurisdictional regulations, and recording the message content including the detected information about the compliance check via a blockchain.

A method for execution by a network computing device of a cryptocurrency payment system includes receiving real-time payment information regarding a cryptocurrency-based payment from a source computing device to a destination computing device. In response to receiving the real-time payment information, the method further includes: initiating a real-time cryptocurrency-based payment process to pay the destination computing device in a selected currency, where payment of the selected currency to the destination computing device occurs within a first time frame; and initiating a nonreal-time cryptocurrency-based payment reconciliation process to reconcile the cryptocurrency-based payment with a cryptocurrency-based payment backing account, where the reconciliation of the cryptocurrency-based payment with the cryptocurrency-based payment backing account occurs within a second time frame, and where the second time frame is longer than the first time frame.