Provided are a method and apparatus for blockchain community governance, a device and a storage medium. The method is described below. A community governance transaction request initiated by a blockchain account is acquired. Community governance permission of the blockchain account is verified according to governance token resource information in the blockchain account. In a case where the blockchain account has the community governance permission, the community governance transaction request is executed.

A method of enabling secure credit push transactions from a first financial institution to a second financial institution includes generating a credential that includes a bank routing number of the second financial institution and an account number of an account held at the second financial institution, receiving a selection of the first financial institution over a graphical user interface operated by the second financial institution, and, in response to the selection of the first financial institution, prompting a user of the graphical user interface to input login information for accessing an online account associated with the first financial institution. The method may further include, in response to the input of the login information, pushing the credential to a server operated by the first financial institution to be stored in an external account module of the first financial institution.

A controlled dispensing fixture including a display screen, a scanning device, and one or more processors is configured to: obtain via the display screen or remote scanner a selection of one or more controlled products; update a user interface on the display screen based on the selection; determine whether the one or more controlled products meet a purchase limit associated with the one or more controlled products for dispensing; obtain via the scanning device consumer identification information; determine whether the consumer identification information meets an age threshold and/or an identity requirement associated with the one or more controlled products; and in accordance with a determination that (i) the one or more controlled products meet the purchase limit for dispensing, and (ii) the consumer identification information meets the age threshold and/or the identity requirement, transmit a dispensing instruction to the dispensing fixture to dispense the one or more controlled products.

Multifactor authentication techniques described herein may allow a user to submit a recent proof of purchase as a part of a multifactor authentication process to access an account associated with a financial institution. As part of the login process, the user may submit a proof of purchase associated with a transaction. The financial institution may determine information associated with the transaction, such as a merchant associated with the proof of purchase, a time of the transaction, the last four numbers of the transaction card used, a dollar amount, or any combination thereof. If the information matches one or more records in the transaction history of the user's account, the financial institution may authenticate the user and provide access to the account. In this way, the financial institution may leverage transaction history known to the financial institution and the user to authenticate the user.

A method provides for facilitating a transaction. The method includes receiving, by a server, a transaction request related to a transaction between a service provider processing system and a user system from the service provider processing system via a first communication network; providing, by the server, user instructions related to the transaction to the user system via a second communication network; receiving, by the server, user information related to the transaction from the user system; verifying, by the server, the user information related to the transaction; and providing, by the server, a confirmation of the transaction to the service provider processing system in response to the verifying of the user information related to the transaction.

Methods and systems are employed for completing a transaction via an internet-connected vehicle by leveraging a multi-factor authentication to compare vehicle identification information and user identification information based on stored information. In addition, methods and systems are provided for completing a transaction via an internet-connected vehicle by automatic enforcement of business rules (e.g., parental control spending tools, or employee spending tracking tools).

In an example embodiment, a method for updating a database with dimensional balancing comprises receiving a transaction request to transfer a portion of a first balance from the first balance to a second balance; determining a subset of the first balance less than or equal to the portion in the first balance compliant with dimensional rules based on one or more attributes of the subset and an identifier of an account holding the second balance; moving the determined subset from the first balance to the second balance; and updating attributes of the moved subset in the second balance.

A method for acceptance of blockchain payment at a traditional point of sale device direct to a merchant includes: receiving an authorization request for a fiat payment transaction including a transaction account number, transaction amount, and merchant identifier; identifying blockchain payment acceptance for a transaction account associated with the transaction account number; transmitting an address request to an exchange server including the merchant identifier; receiving a destination address associated with the merchant identifier for a blockchain network from the exchange server; transmitting a new blockchain transaction to a blockchain node in the blockchain network including the destination address and a cryptocurrency amount based on the transaction amount; and transmitting an authorization response for the fiat payment transaction to a payment network for routing to a point of sale device, the authorization response including an indication that clearance and settlement of the fiat payment transaction is not required.

Methods and systems are employed for completing a transaction via an internet-connected vehicle by leveraging a multi-factor authentication to compare vehicle identification information and user identification information based on stored information. In addition, methods and systems are provided for completing a transaction via an internet-connected vehicle by automatic enforcement of business rules (e.g., parental control spending tools, or employee spending tracking tools).

There are provided systems and methods for a data integration framework that provides an institutional or organizational user data enrichment capability locally. Specifically, instead of relying on the fraud detection platform to constantly updating and/or building new data connectors to intake data from updated or a new data provider, an institutional user, such as a financial institution, may receive a software development kit (SDK) from the fraud detection platform, using which the institutional user may build its own data connector deployed at the institutional user.