A method for real-time settlement of financial institutions for a standard electronic payment transaction using a blockchain network includes: receiving a response message for a financial transaction from an issuing institution via payment rails including a transaction amount, issuer identifier, and acquirer identifier; identifying a public key using the acquirer identifier and a private key using the issuer identifier; generating a destination address using the public key and a digital signature using the private key; transmitting a blockchain transaction request to a node in a blockchain network using an alternative communication network including the destination address, digital signature, and transaction amount; receiving a confirmation message from the node including a transaction hash value; modifying the response message to include the transaction hash value; and transmitting the modified response message to an acquiring institution using the payment rails.

A system comprises a non-transitory machine readable storage medium storing instructions and a database identifying a plurality of assets and a state of each asset. The instructions configure a processor for receiving updates to a distributed electronic ledger managed by plural peer processors. Each update includes an event or change affecting one of the assets. The peer processors verify portions of the ledger describing each event or change. At least one of the updates has not yet been recorded in the ledger at a time of the receiving. The processor computes a state of each asset, based on the updates, receives a request for a state of one of the assets; and responds to the request, reflecting each event and change affecting that asset. The response is performed without waiting for the peer processors to verify an update that has not yet been recorded in the ledger.

Embodiments of the invention are directed to systems, methods and computer program products for utilizing resources from multiple sources to complete a resource distribution. The invention may receive a distribution request from an entity, where the distribution request includes information identifying a first resource distribution device provided by a user to the entity, a first source associated with the user, and a request amount of resources. The invention may determine whether the requested amount of resources is greater than a first amount of resources in the first source, determine whether the first resource distribution device is associated with one or more other sources associated with the user, and determine whether a sum of the first amount of resources in the first source and a second amount of resources in the one or more other sources is greater than or equal to the requested amount of resources.

A system that can transfer tokens of multiple classes from issuers to recipients is disclosed. The system generates class-specific token specification that include parameters that must be satisfied for the first user to acquire, from another user of the system, any token that is created according to the class-specific token specification. The system will save the records for each of the class-specific token specifications to a digital ledger that is accessible to users of the system. When a transfer request is received for a particular token, the system will execute a smart contract by (a) accessing the digital ledger to verify that a class-specific token specification exists which corresponds to the class of the particular token, and (b) in response to the verifying write, to the digital ledger, a first ledger entry that includes a record indicating that the amount of the particular token has been transferred to the recipient.

Provided is a process for tracking trees. The process of tracking trees may include one or more of generating a listing of trees, generating digital tokens representing the trees, or performing one or more operations associated with the trees using the digital tokens (e.g., creating a market place for trading digital tokens, trading digital tokens, or computing carbon credits associated with a tree).

Methods and systems are provided for generating alerts in association with a request to open an account for an individual. For example, information identifying an individual may be received from a financial entity in association with the financial entity receiving a request to open an account for the individual from a requesting entity. The requesting entity may be a vendor or service provider associated with the financial entity. An electronic notification may then be sent to the individual, which may include a selectable option to indicate that the individual does not authorize opening of the account. In response to receiving an indication that the individual does not authorize opening of the account, notifications may be sent to both the financial entity and the requesting entity indicating that the individual has not authorized opening of the account.

Systems, computer program products, and methods are described herein for an authentication framework for real-time document processing. The present invention is configured to receive, via an image capturing device associated with a point-of-sale system of a merchant, a digital image of a payment instrument; extract, using optical character recognition, payment instrument data from the payment instrument; receive one or more authentication credentials from the user to endorse the payment instrument; determine an authentication level of the user based on at least receiving the one or more authentication credentials from the user; determine whether the authentication level of the user meets an authentication requirement level associated with the processing of the payment instrument; and process, in real-time, the payment instrument.

A printing and copying system is provided that includes a server configured to manage user account information related to a user, and an apparatus connected to the server, the apparatus configured to send a printing request or a copying request to the server. The user account information includes a plurality of wallets associated with the user, and the plurality of wallets each represent funds available to the user. The server is configured to determine whether to authorise the printing request or copying request based on the funds available in the plurality of wallets.

Embodiments of the invention are directed to systems, methods and computer program products for utilizing resources from multiple sources to complete a resource distribution. The invention may receive a distribution request from an entity, where the distribution request includes information identifying a first resource distribution device provided by a user to the entity, a first source associated with the user, and a request amount of resources. The invention may determine whether the requested amount of resources is greater than a first amount of resources in the first source, determine whether the first resource distribution device is associated with one or more other sources associated with the user, and determine whether a sum of the first amount of resources in the first source and a second amount of resources in the one or more other sources is greater than or equal to the requested amount of resources.

Technologies related to mobile credit payment are disclosed. In an implementation, a credit payment request is generated and sent to a user account of a credit payment application (APP) installed on a mobile computing device. A payment response message is then received from the mobile computing device. The payment response message is parsed to identify an APP public key license. A pre-stored credit authorization public key is used to verify the APP public key license and an APP public key is received from the APP public key license if the verification is successful. A payment deduction request is generated and sent to the user account of the credit payment APP. A payment authorization encrypted using asymmetric key encryption is received from the mobile computing device. The APP public key is used to decrypt the payment authorization, and a transaction log is recorded if the second response message is successfully decrypted.