In one implementation, a computer-implemented method is executed on a computing device and includes: receiving a deallocation notice from a market participant concerning assets within a trading account; initiating an auto-deallocation period; determining if there is outstanding trade activity within the trading account during the auto-deallocation period; and if there is no outstanding trade activity within the trading account during the auto-deallocation period, transferring at least a portion of the assets within the trading account to the market participant.

A management system and a gaming table. A server associates credits for each user with unique identification information and stores the credits. The server also performs controls by outputting an error if the following do not match: the amount indicated by chip information for a chip present in a predetermined sector; and the amount to be added to or subtracted from the credits that are associated and stored with the identification information.

A payment handling system operates to handle payments for the cost of an open ticket transaction in which incremental authorization operations are performed. The payment handling system receives items to add to the open ticket, payment instruments for paying the cost of the open ticket or adjustments to any bill splitting arrangement throughout the life of the open ticket. As items are added, payment instruments are received, and/or adjustments are input, the amount allocated to the one or more payments instruments may be updated. Incremental authorization values are determined for some or all of the payment instruments. When the amount allocated to a payment instrument exceeds the incremental authorization value, an authorization of the instrument is attempted and a new authorization value is determined. At the end of the interaction, the open ticket is closed and payment is executed.

The invention provides techniques for enabling offline devices that do not have an active connection to an account-based CBDC network to participate in CBDC network processes such as asset transfers. This is enabled by defining an offline protocol that governs the handling of such processes in an offline state. A collateral chain is provided by the CBDC network that links together multiple accounts so that an account lower down in the collateral chain can be used to settle a transaction in the case where an account higher up the chain does not hold sufficient CBDC to settle the transaction. On the device side, offline transaction messages are exchanged that enable either device to commit the transaction to the CBDC network once the device obtains an active connection to the CBDC network.

A method is provided for performing a transaction. The method includes, in an offline mode, payee and payer devices communicating to determine transaction details including a transaction amount. A payer payment application generates a transaction request including request transaction details, stores the transaction request, and updates a payer available funds amount at least partially in accordance with the transaction amount. A payee payment application generates a transaction confirmation including confirmation transaction details, stores the transaction confirmation, and updates a payee available funds amount at least partially in accordance with the transaction amount. In an online mode, the payer payment application provides the transaction request to a payment processing device, the payee payment application provides the transaction confirmation to the payment processing device, and the payment processing device compares the request transaction details and confirmation transaction details and causes the transaction to be selectively performed depending on results of the comparison.

Various embodiments herein each include at least one of systems, methods, and software for value transfer between disparate systems. One such embodiment includes receiving a transfer request to transfer a value from a first account provider to an account maintained with a second account provider and including data identifying an individual or entity that initiated the transfer request. This method also includes identifying the second account provider based on data included in the transfer request and generating a request to transfer the value of the transfer request to the account in a format compatible with the second account provider. The method may then transmit the generated request to the second account provider.

Various embodiments herein each include at least one of systems, methods, and software for value transfer between disparate systems. One such embodiment includes receiving a transfer request to transfer a value from a first account provider to an account maintained with a second account provider and including data identifying an individual or entity that initiated the transfer request. This method also includes identifying the second account provider based on data included in the transfer request and generating a request to transfer the value of the transfer request to the account in a format compatible with the second account provider. The method may then transmit the generated request to the second account provider.

Techniques are provided for addressing possible fraud and mistake scenarios in a system for electronically receiving check images from customers and for automatically initiating a deposit of funds into a customer account. An electronic analysis of a check may be conducted to retrieve a check identifier that may be compared against a limited number of previously deposited checks, allowing for faster real-time comparisons. The deposit may be soft-post of regardless whether it is flagged as a potential duplicate, because subsequent more thorough analysis may uncover false positives. Also, transaction and account information can be analyzed to determine if there is a possibility of a check kiting operation.

A person conducting offline commerce transaction provides a number that uniquely identifies the person, such as a credit card number, cell phone number, or other number. That number is converted into a dual barcode comprising a first barcode and a second barcode. Each barcode comprises a predetermined standard number of digits to render them compatible with standardized barcode readers available at most retail and commercial establishments. The person's barcode number is encrypted by an encryption algorithm selected by an index located in the first barcode. The person's barcode is rotated before or after encryption and the resulted encrypted User ID Barcode is placed in the second barcode. The first and second barcodes contain the standard number of digits with one of the digits provided with a unique symbol distinguishing the first and second barcodes from each other and from barcodes that are associated with products that may be scanned during a commercial transaction using the User ID Barcode.

A management system and a gaming table. A server associates credits for each user with unique identification information and stores the credits. The server also performs controls by outputting an error if the following do not match: the amount indicated by chip information for a chip present in a predetermined sector; and the amount to be added to or subtracted from the credits that are associated and stored with the identification information.