A method and system for managing communications between a veterinarian (vet) and a pet owner including video communications may integrate pet medical records access along with allowing a vet to view as well as annotate pet medical records during a video consultation with the pet owner. Either the vet or the pet owner may set up a video conference between each other. The method and system may establish a video conference in which a vet may access the video conference with a desktop computer while the pet owner accesses the video conference a portable computing device (PCD). A video conference may be established by the pet owner, usually, after payment information from a financial card is supplied to the system. The method and system provides a chat functionality, which can be initiated by the pet owner or the vet, and allows both parties to send/receive messages and/or images.

Systems and methods of converting payment protocols, including: sending a transaction request to a computing device, wherein the transaction request is associated with a first protocol, determining based on the received transaction request, a type of the first protocol, determining a second protocol, wherein the type of the second protocol is determined based on the received transaction request, determining a characteristic of the received transaction request, and converting the received transaction request from the first protocol into the second protocol, wherein the conversion is carried out based on a predefined conversion protocols database.

An automated, dynamic digital financial management tool is described herein. The financial management tool enables a user to access all forms of payments, debt and transactions to be deducted automatically depending on which form of payment is chosen. The financial management tool documents every item/service purchased. The documentation enables a company/manufacturer/store to provide marketing and recall information to the user. The financial management tool is able to include any and/or all financial aspects of a user's life. The financial management tool is able to be implemented using a universal card. The financial management tool is able to include a pay station to receive payments. The financial management tool is able to include automated services. An automated, dynamic health management system is also described herein. The financial management tool enables automatic stock purchases based on product purchases.

An automated, dynamic digital financial management tool is described herein. The financial management tool enables a user to access all forms of payments, debt and transactions to be deducted automatically depending on which form of payment is chosen. The financial management tool documents every item/service purchased. The documentation enables a company/manufacturer/store to provide marketing and recall information to the user. The financial management tool is able to include any and/or all financial aspects of a user's life. The financial management tool is able to be implemented using a universal card. The financial management tool is able to include a pay station to receive payments. The financial management tool is able to include automated services.

The disclosure herein describes providing transaction retry notifications to merchants based on monitored account usage. An insufficient funds message of a first transaction is received that indicates the first transaction includes a payment to be provided to a merchant from an account and that the account has insufficient funds for the first transaction. An account identifier of the account is stored and a transaction message of a second transaction associated with the account is detected based on the stored account identifier. The transaction message indicates that the account has sufficient funds for the second transaction. Based on detecting the transaction message, a transaction retry notification is sent to the merchant, whereby the merchant is notified that the account with which the first transaction is associated includes a quantity of funds. The disclosure enables merchants to optimize the timing or retrying failed transactions and thereby reduce costs associated with transaction retries.

A computer method of calculating credit values in incentive-based compensation comprises creating and digitally storing, in an electronic digital data store, credit rule records comprising expressions for calculating credit values, person assignment records that associate credit rule records with person records, and order records; receiving a request to execute a change of a credit rule, person assignment, or order; in real time in response, executing instructions to evaluate the credit rule against all orders then currently stored in the data store to determine a result set of matching orders, and append in the data store one or more credit value records each comprising a credit value, each credit value being calculated based on a rule expression, each credit value record being linked to an order identifier of matching orders, person assignment, and credit rule. Credit value records are always appended in the data store and not deleted or updated.

Aspects of the disclosure relate to cognitive identification of credit reporting disputes and dispute resolution using quantum computing. A computing platform may retrieve, using a quantum computing device, dispute data from a block chain of dispute requests. The computing platform may convert the dispute data into quantum bits. The computing platform may perform quantum searching of the retrieved dispute data over a plurality of different databases and identify potential dispute transactions. The computing platform may determine probability scores for the potential dispute transactions, each probability score being based on a likelihood that a change associated with the potential dispute transactions is to be made. The computing platform may determine respective parameters associated with the potential dispute transactions, wherein each parameter indicates a type of change to be made. The computing platform may apply a change associated with the potential dispute transactions and add a new block to the block chain.

Application integration for web payments is described. In an example, a peer-to-peer (P2P) payment platform can present, via a web browser, a merchant web page that includes an actuation mechanism for selection of a payment making platform for making a payment for a transaction. The peer-to-peer (P2P) payment platform detects interaction with the actuation mechanism and presents a prompt for a user identifier via the web browser. The peer-to-peer (P2P) payment platform sends the user identifier (which is associated with an account of the user) to the payment making platform and receives an indication of the user account from the payment making platform. Based on the indication and the transaction data, the peer-to-peer (P2P) payment platform transfers funds from a stored balance of the user to a merchant account of the merchant. The peer-to-peer (P2P) payment platform presents at least a portion of the transaction data.

Disclosed herein are system, method, and computer program product embodiments describing the creation and funding of tax-advantaged accounts at a point-of-sale. By immediately funding the tax-advantaged account at the point-of-sale using a funding and payment mechanism, the disclosed embodiments may effectively and instantly fund a tax-advantaged account at a point-of-sale . The funding and payment mechanism overcomes the lapse in availability of funds inherent in legacy systems. Thus, an account holder may then immediately pay a provider from the tax-advantaged account for qualified expenses. The disclosure also presents a credit feature allowing prospective account holders to initially fund the tax-advantaged account. At the point-of-sale, the prospective account holder may link their newly created tax-advantaged account to other accounts, allowing the system to detect potential over-contributions. The disclosure also presents a retroactive analysis feature that analyzes linked accounts to create tax-advantaged transactions in transactions completed earlier in a plan year.

A cloud-based service creates and maintains custodial digital wallets for parties to value transfers. Each wallet funded by the corresponding party with cryptocurrency and/or a fiat currency. The cloud-based service provides value transfers between two parties having custodial wallets without any on-chain blockchain operations making such transfers nearly instantaneous. The cloud-based service also provides transfers between one party with a custodial wallet and another party without a custodial wallet by using a liquidity wallet and/or a liquidity account to perform the transfers nearly instantaneously and by initiating any needed blockchain operations on the blockchain to properly reflect any debit or redemption made from the liquidity wallet on the blockchain.