Computer architectures and associated methods for real-time data processing are disclosed. In some embodiments, a trial adjudication request for a cost determination can be received by a first server and verified using a security protocol, wherein a password token of the trial adjudication request can be matched to a stored password token. The first server can transmit an adjudication command packet to a second server that includes at least one data set of a plurality of data sets and a command for a claim determination, and can receive a response packet from the second server. The first server can determine that a successful claim determination was performed by the second server from the response packet, and can transmit a reversal request packet to the second server which can cancel the successful claim determination. The first server can perform the electronic calculation using the claim data.

A method for generating user-initiated federated identities, said method being characterized in that it comprises: providing a plurality of electronic data sets (104) stored in one or more files (103) of an electronic memory (102) of a first entity (100) being an identity certification subject, each electronic data set (104) including identity information univocally pertaining to a respective second entity or subject (201); accessing one electronic data set (104) selecting (1001) a sub-set of identity information from the accessed electronic data set (104); generating (1002) a digital asset file (302) containing the sub-set of identity information, wherein said step of selecting (1001) is performed either by the first or the second entity, said step of generation (1002) is performed after the step of selection (1001) and is performed by said first entity (100); a subsequent step of automatic generation (1003) of an hash file (301) of said digital asset file (302), said step of generation of said hash file (301) being performed by an electronic computer (101) associated to the first entity (100) and accessing to said memory (102); the method further comprises a step of automatic generation of a transaction (1004) with a third entity or subject (202) comprising the generation of an electronic message containing the hash file (301) and the digital asset file (302) or the digital asset file (302) and an evidence of the hash file (301), wherein the electronic message is at least temporarily stored on said memory (102).

A computer-implemented method for providing presentable transaction data of a product to a user may include obtaining preliminary transaction data of one or more purchasers other than the user; generating itemized transaction data based on the preliminary transaction data; obtaining one or more translation codes from one or more transaction entities; generating standardized transaction data based on the itemized transaction data and the one or more translation codes; retrieving identification data from the standardized transaction data; generating anonymized transaction data based on the standardized transaction data by withholding the identification data; generating presentable transaction data based on the anonymized transaction data; and transmitting, to a device associated with the user, the presentable transaction data.

System and method of providing secured coupon redemption with reward distribution in a blockchain (BC) network. A merchant pays for coupon coins to the BC network. When a consumer attempts to redeem a coupon associated with a purchase order, both the merchant and the consumer digitally sign a redemption request and send to the BC network for validation. The request may contain an encrypted order, an encrypted consumer key and an encrypted consumer key, and both signatures. Upon successful validation, the BC network can execute a smart contract to deduct the coupon coin balance and issue reward in the form of BC ownership coin to involved parties.

Various embodiments are generally directed to techniques for multi-voice speech recognition commands, such as based on monitoring a telecommunications channel between first and second devices, for instance. Some embodiments are particularly directed to prompting initiation of a transaction between a first entity associated with a first device and a second entity associated with a second device based on detection of an audible request corresponding to the second entity and an audible response corresponding to the first entity.

An accounting processing method executed by an accounting device includes a receiving step of receiving an input of a customer identifier for identifying a customer who performs accounting, an acquiring step of acquiring, from a storage device that stores registration data by store including transaction data indicating details of a purchase target commodity, a customer identifier of the customer who purchases the commodity, and a store identifier for identifying a store that sells the commodity, the registration data by store including the customer identifier received in the receiving step, an accounting step of executing accounting processing for the purchase target commodity based on the registration data by store acquired in the acquiring step, and an output step of outputting the details of the purchase target commodity for each the store identifier based on the registration data by store acquired in the acquiring step.

Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for capacitive through-body communication. In one aspect, a method includes receiving a selection from a user representing a first individual to prevent identification data to be transmitted by an on-body device, transmitting an identification request to the on-body device associated with the first individual, receiving an indication that a second individual possesses the on-body device associated with the first individual, sending a command to the on-body device associated with the first individual to prevent transmitting the identification data stored on the on-body device associated with the first individual.

Systems, methods, and computer-readable storage media for inserting payment information into payment forms without user interaction. A system can identify that a user has navigated to a web page operated by a merchant computer system for a merchant and identify a payment form within the web page. The system can then execute a payment request API which generates a query for saved payment credentials for the user from the merchant computer system. When the merchant computer system indicates it does not have the saved payment credentials for the user, the system can identify browser-saved payment credentials stored in the Internet browser, then generate a virtual payment information associated with the browser-saved payment credentials. The virtual payment information can then be inserted into corresponding fields of the payment form without the user entering any additional information.

Systems, methods, and computer-readable media provide automated identification techniques that associate at least two unique identifiers of one segment of a segmental multimode wireless flexible product to seamlessly and accurately bridge different identification methodologies to enable advanced real-time tracking of shipment location and status, and other such useful and advanced product and service offerings.

In a method for transferring payment account information, a payment information transfer request is received from an account holder device associated with a first provider account. A list of payees to which electronic payments have been made from the first provider account is transmitted to the account holder device for display to the account holder and a user selection of at least one selected payee from the list of one or more payees is received from the account holder device. A payment account information data file is assembled in a predetermined data format, the file including payment account information for each selected payee. The payment account information data file is then transmitted to at least one of the set consisting of the account holder device and an information processing system of a second account provider.