Methods for reducing fraudulent activities associated with credit card and debit card usage can include a better authentication process, such as getting to know the customers, thus can detect the fraudulent activities when the credit payments do not fit the usage patterns of the customers. The method can include replacing a payment from a customer to a supplier with a different payment from a platform to the supplier.

Technology is disclosed for transferring money anonymously between a sender and a recipient by use of a one-time use token. The method includes generating a one-time use token account for association with a one-time use token. The method includes generating the token and providing the token to the sender device in a machine-readable and transferable format. The method includes receiving a request to charge the one-time use token account after the token has been provided to the recipient device as a form of payment for a transaction. The method includes determining that an amount of the transaction is less than an amount of funds associated with the token and that the time of the transaction is within a time period for the use of the token. The method includes facilitating a transfer to the recipient account and deducting the amount of the transaction from a sender account.

Embodiments of the present disclosure relate to methods, devices, a computer readable storage medium and a computer program product for processing or managing a blockchain transaction. In a method for processing a blockchain transaction, a blockchain node of a blockchain for processing the blockchain transaction receives a transaction request, the transaction request indicating at least a initiator of the transaction, transaction content and a transaction recipient of the transaction. The blockchain node computes, based on the transaction content, a transaction fee for processing the transaction. The blockchain node determines whether the initiator of the transaction is a sponsored user of the transaction recipient, and determines a payment account from which the transaction fee is deducted in response to determining that the initiator of the transaction is a sponsored user of the transaction recipient. The transaction processing and management schemes as provided in the present disclosure enable ordinary users use blockchain services conveniently.

Embodiments of the present disclosure relate to a method, a device, a computer readable storage medium and a computer program product for transaction processing on a blockchain. In the method, the blockchain node for processing a transaction receives a transaction request including a plurality of fields, the plurality of fields including a transaction task field including a plurality of clauses and each clause of the plurality of clauses indicating one of a plurality of tasks of the transaction. The blockchain node processes the plurality of tasks and determines that the transaction is successfully processed only in response to successfully processing all the plurality of tasks. The transaction processing as provided in the present disclosure enables multiple tasks to be processed through a single transaction procedure on the blockchain in an efficient way.

A method for providing an indication of financial strength includes receiving a financial indicator and a predetermined spending budget status from a user. The predetermined spending budget status is associated with a spending budget for the user that has at least one payment account. The financial indicator is then associated with the predetermined spending budget status. A payment request that includes one of the at least one payment accounts is then received from a merchant. A current spending budget status is then determined using the spending budget and the at least one payment account. The financial indicator is then sent to the merchant for provision to the user in response to the current spending budget status being included in the predetermined spending budget status.

A computer system for automatically handling and releasing funds for deposit items has a memory storing instructions that, when executed by a processor, cause the system to receive an image of a cheque received and scanned by an automated teller machine (ATM) for deposit into a first account of an institution associated with the ATM. The scanned image of the cheque is analyzed to identify an institution and account on which that cheque is drawn. If that account has sufficient available funds to cover the cheque, then the first account is credited in the amount of the cheque without placing a hold on any of the credited amount and funds of the account on which the cheque is drawn are encumbered in that same amount. After crediting the first account, an indication is provided that the funds are available (e.g., to withdraw). Related methods and computer-readable media are also disclosed.

A computer-implemented method of secure quantum safe (QS) payments using a quantum cloud payment platform, the method, performed by the quantum cloud payment platform, comprising: receiving one or more quantum safe deposit payment transactions from one or more endpoint devices of one or more registered users, each QS deposit payment transaction of a user comprising data representative of a deposit fiat cash value; transferring each of the deposit fiat cash values from a bank account associated with a user and linked to the QS payment account of the user to a quantum cloud account for pooling each of the deposit fiat cash values; for each deposit fiat cash value transferred in relation to a user of an endpoint device, performing: converting said each deposit fiat cash value to a corresponding number of quantum money tokens; linking said number of quantum money tokens to the QS payment account of the user; and sending said number of quantum money tokens to the endpoint device of the user for updating an electronic wallet of said user.

Tracking account positions in a real-time payments system is provided. Each of a plurality of participants is linked to a funding agent account via an ACH network, thereby creating a plurality of linked participants. Each of the plurality of linked participants is provided access to a current prefunded position of the funding agent through the ACH network. An unsettled financial position of each of the plurality of participants is compared to the current prefunded position of the funding agent. A determination is made whether to perform a financial settlement for a corresponding one of the plurality of participants based on the comparison. The financial settlement for the corresponding participant is performed when it is determined that the unsettled financial position of the corresponding participant is not greater than the current prefunded position of the funding agent.

Systems and methods for P2P transaction functionality include payment collection from a third party source. A system includes at least one processor and a storage medium storing instructions that, when executed by the one or more processors, cause the at least one processor to perform operations including receiving transaction information from a vendor where a card was used and analyzing the transaction information. The operations also include sending one or more requests for repayment to one or more P2P service systems, receiving repayment information, regarding one or more repayments, from the one or more P2P service systems and, based on the repayment information, applying the one or more repayments to the transaction performed on the card.

An example token management operation may include one or more of receiving, by a token manager node, a registration request containing user IP address and a wallet from an at least one player node off-chain; mapping, by the token manager node, a transaction over the blockchain network with users' database based on the IP address; assigning, by the token manager node, a user role to the wallet, wherein the user role allows the at least one player node to buy game tokens from a liquidity pool over the blockchain network; executing, by the token manager node, a smart contract to add a safe balance to the at least one player node based on the user role; intercepting, by the token manager node, a transaction for selling at least one game token to a target player node to validate the safe balance of the player node; and allowing the transaction responsive to a validation.