A first merchant node on a semi-private blockchain virtual currency exchange system is exclusively capable of creating first virtual currency units. Unaffiliated merchant node(s) are exclusively capable of creating other merchant-specific virtual currency units in the system, while customer computing devices are incapable of creating virtual currency units. The first merchant node creates and issues first virtual currency units to a first customer account associated with a first customer computing device. Upon receiving a transaction request for exchanging first virtual currency unit(s) for a second currency type between the first customer account and another customer account, the first merchant node validates the first transaction request, and creates and sends a first transaction receipt to unaffiliated merchant node(s). Upon receiving a redemption request from a customer account, the first merchant node validates the first redemption request, and creates and sends a first redemption receipt to unaffiliated merchant node(s).

Systems and methods to adjust a unit of experience based on digital assets of users are disclosed. Exemplary implementations may: manage first user information of a first user; receive an authentication request from the first user; determine whether the authentication information input is valid by comparing the authentication information input and first authentication information included in the first user information; determine, responsive to determination that the authentication information input is valid, a set of one or more digital assets that are associated with a first address included in a first digital wallet of the first user based on one or more transactions including the first address and the one or more digital assets of the set; determine a set of one or more entities correlated to the set of the one or more digital assets; determine and effectuate adjustments to the first unit of experience based on the correlated entities.

Systems and methods for enabling biometric transactions are provided. One example computer-implemented method includes receiving a request to provision a biometric for biometric transactions to a payment account of a user, where the request includes a cryptogram associated with a transaction to the payment account, and checking with an issuer of the payment account whether the payment account is supported for biometric transactions. In response to the payment account not being supported for biometric transactions, the method includes validating the cryptogram, receiving from the issuer an eligibility code for the payment account, receiving a verification result for the cryptogram, and requesting a biometric from the user. The method then includes receiving biometric data indicative of a biometric of the user and transmitting a request to the issuer to enable biometric transactions for the payment account, where the request includes an identifier of the payment account and the verification result.

Systems, methods, and computer program products are provided for predicting a specified geographic area of a user. An example system includes a processor configured to determine a verified geographic area associated with each user, and determine a feature vector associated with an account of each user. The processor is also configured to receive transaction data and determine a value of each parameter of the feature vector for each user based on the transaction data to produce a training matrix. The processor is further configured to train and validate a geographic area prediction model based on the training matrix. The processor is further configured to repeatedly generate a prediction that a user will conduct a transaction in a geographic area, communicate an offer to the user based on the prediction, receive new training data, and update the geographic area prediction model based on the new training data.

A system and method for replacing a customer's debit card payment with a one-time loan at a point of sale (POS) is disclosed. The method receives, at a POS, a debit card input from a customer to be used as a transaction payment. The POS obtains, from the debit card input, identification information for the customer. A total monetary amount of the transaction payment and the identification information is provided to a one-time loan provider's computer system. The one-time loan provider's system uses the customer identification information to perform a credit screening for the total monetary amount of the transaction payment. The one-time loan provider's system provides to the POS a one-time loan offer for the customer. The one-time loan offer to be used in place of the debit card input to make the transaction payment.

An authentication method includes assigning a risk status to a request received from a remote interaction system, transmitting a notification communication to a device associated with the request, monitoring interaction data from an interaction network, and identifying, from the monitored interaction data, authentication interaction information, the authentication interaction information including a coded sequence and a predetermined authentication identifier. The authentication method also includes comparing the coded sequence in the authentication interaction information to an expected coded sequence and transmitting a verification communication after determining the coded sequence in the authentication interaction information matches the expected coded sequence.

A method for privacy protection in use of geolocation for transaction authorization includes: storing location profiles including a device identifier and account identifier; receiving a location notification including a specific device identifier and a geolocation; identifying a specific location profile including the specific device identifier; transmitting the geolocation and the account identifier in the specific location profile to a second computing device; receiving, at the second computing device, a transaction message related to a payment transaction including an account number corresponding to the account identifier, a transaction location, and authorization data; determining if the geolocation corresponds to the transaction location; storing a result of the determination in the authorization data; and transmitting the transaction message to a financial institution associated with a transaction account corresponding to the account number.

A methods for payment authorization (10) on mobile devices (DM) such as smartphones, tablets or any others available, which may be offline; the method for payment authorization (10) comprises the compilation of sequential steps of method (M1) of the payer (20) with method (M2) of the operational system (50) or application that constitutes a logical structure for alignment with the method (M3) of the payee (30), resulting in authenticated payment (PG) of financial transactions (TF) with assurance of non-repudiation through generation of a private key (51) and public key (52), as well as association of positive identification (21a) and personal identification (21b) of the payer (PG) with the mobile device (DM); said methods (M1), (M2) and (M3) are executed on mobile devices (DM) with enough processing capacity for execution of encryption algorithms and which may be used for issuing payment orders (PG), on-site or otherwise, carried out with financial resources (RF) or credit limits (LC) such as bonuses, points, products, tickets, etc. of the payer (20) of the device (DM).

A personal identification, tracking, entertainment and communication system is provided that is sufficiently flexible and intelligent to address a variety of applications and needs. In one embodiment, an electronic accessory such as an electronic bracelet or the like is provided. The electronic accessory may be inexpensive (disposable), and easily provisioned. When an electronic accessory is issued to a person, personal information identifying that person is stored remotely in association with unique identifier of that electronic accessory. A network of base stations provides communications between such electronic accessories and remote servers. The remote servers provide intelligent applications, analytics capabilities, etc. Various vertical market applications may be provided that are customizable, brandable, etc. Examples of such applications include hospitality, music and entertainment, social networking, corporate guest events, sporting events, public services, disaster relief management, point-of-sale payment, etc. The applications may cooperate with corresponding applications running on mobile electronic devices such as smartphones, tablets, etc.

A method involving a communication device, which comprises sending a request to a communication device; receiving a response from the communication device over a local communication path; deriving a received data set from said response; determining at least one data set that had been previously transmitted to the communication device over a wireless portion of a second communication path different from the local communication path; and validating the response based on the received data set and the at least one previously transmitted data set.