In one aspect, the present disclosure relates to a method for crowdfunding credit card payments. The method can include: analyzing a plurality of credit card accounts to determine a first account that is eligible for crowdfunding; transmitting a notification to a user device associated with an account holder of the first account, the notification prompting the account holder to authorize enabling receipt of crowdfunded payments for the first account; receiving, from the user device, authorization to enable receipt of crowdfund payments for the first account; providing, to one or more donors, electronic access to recent transaction information for the first account; receiving a payment from a first one of the donors; and applying the payment to the first account.

A method includes: a supervisor writes a digital certificate and a corresponding first public key into an intelligent contract of a blockchain corresponding to an asset type to be supervised, so that all institutions with asset accounts under the asset type can obtain the first public key of the supervisor through the digital certificate, so as to generate an additive homomorphic key for homomorphic encryption of the balance of an asset account; when checking the balance of a new account of a transactor, the supervisor obtains a public key in a public-private key pair corresponding to the new account, generates an additive homomorphic key based on a supervision private key corresponding to the supervisor and a predetermined key exchange protocol and the public key in the public-private key pair according to the key exchange protocol, and decrypts the encrypted balance of the new account, using the generated additive homomorphic key.

A method and apparatus facilitate financial transactions using sources of pre-established funds. A source of pre-established funds can be uploaded to a secure server using an app that is operable on a mobile electronic device. The source of pre-established funds can be used by an owner to initiate a financial transaction, such as by using the app to open a tab at a venue, in which the venue might apply a number of charges for the purchase of food, beverage, merchandise, and the like, and can also permit the owner of the source of pre-established funds to add a gratuity to the tab for final charging to the source of pre-established funds. The source of pre-established funds is usable to complete a financial transaction and to thereby cause a financial obligation that arises from the financial transaction to be paid using the source of pre-established funds.

A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.

A stored-value card system includes a POS terminal, a communications device, and a stored-value card agent. The stored-value card agent is configured to receive, from the communications device, a message that identifies a payment amount; transmit, to a stored-value card network, a request message that includes the payment amount; receive a confirmation of the stored-value card network associating the payment amount with a stored-value card account that is maintained by the stored-value card network; and transmit a token to the communications device. The POS terminal is configured to transmit to the stored-value card network a completion message that includes the token and excludes the payment amount, and receive from the stored-value card network an authorization code that confirms authorization of a funds transfer in the payment amount.

The method in the embodiments includes: generating, by a server, first transaction information, where the first transaction information is used to indicate that a first participant has obtained control permission, the first transaction information includes information about the first participant and first data that includes information about a second participant, and the control permission is permission to control a target device; sending, by the server, the first transaction information to a blockchain; when the control permission is revoked, generating, by the server, second transaction information, where the second transaction information includes second data, and there is a correspondence between the second data and the first data; and sending, by the server, the second transaction information to the blockchain.

Described herein is a computing device for applying merchant promotions to a push payment transaction. The computing device includes a processor and a memory. The processor is configured to receive a promotion request message. The promotion request message includes a merchant ID and an initial push payment transaction amount. The processor retrieves, from the memory, a merchant promotion and applies the retrieved merchant promotion to an initial transaction amount to determine an updated transaction amount. The processor then transmits a promotion response message, receives an authorization message and initiates a transfer of funds. The promotion response message includes the merchant ID and the updated transaction amount. The authorization message authorizes the push payment transaction in the updated transaction amount. The funds are transferred in the updated payment amount from the user account with the originating institution to the merchant account at the receiving institution.

Systems and methods for completing a permissioned payment are described herein. The system includes a network interface structured to facilitate data communication via a network, an accounts database structured to store information associated with one or more accounts held by a financial institution, including a payment account associated with a customer and a customer identifier, and a processing circuit. The processing circuit is configured to receive a purchase approval request including a purchase amount and the customer identifier and generate a notification in response to determining that the purchase amount exceeds a threshold payment amount, the notification indicating that the purchase approval request requires voting approval via a voting approval process, transmit the notification to a customer device, conduct the voting approval process including receiving votes from a plurality of social connections of the customer, and authorize or decline the purchase approval request based on the voting approval process.

A policy-based printing system is implemented to allow access to a private domain to print using a public domain. The private domain includes private servers that store documents. The public domain includes servers and a printing device. A public policy server uses a domain list and a protocol connection with a private authentication server to validate a user and identify which private domain to access. The public policy server retrieves a policy from a private policy server that configures the parameters for printing using the public domain. The print job data is provided to a public file server until the public policy server confirms that the print job can be sent to the printing device.

This invention relates to distributed ledger system implemented as a cryptocurrency or platform for digital commerce. More specifically, this invention relates a system and method for increased transaction and settlement speed using a zero confirmation directed acyclic graph (ZDAG). The invention allows for increased transaction and settlement speed at point of sale for merchants and consumer applications by implementing concurrent processing of transactions with fault tolerance, minimum latency period check, and time based sort of transactions.