Provided is a financial service providing method of an electronic apparatus comprising checking whether a financial service is available for a user based on the user's first sales information, checking a condition of use of the financial service for the user based on the user's second sales information, providing information on whether the financial service is available and the condition of use to an external apparatus, providing unsettled sales information of the user based on an information request from the external apparatus, and changing payment account information of a sales price to be paid to the user based on receiving information related to approval of providing the financial service from the external apparatus. Other example embodiments are also possible.

A method for real-time processing of resource requests is disclosed. The method includes: receiving a first request to obtain a first quantity of resources in connection with a data record; identifying a first set of parameter values for the first request, the first set including at least one automatically modifiable parameter value; determining first criteria for evaluating the first request, the first criteria including defined rules associated with one or more of the first set of parameter values; determining that the first request does not satisfy the first criteria; in response to determining that the first request does not satisfy the first criteria: determining modifications to at least one parameter value of the first set to obtain a second set of parameter values for a second request that satisfies the first criteria; and generating a notification indicating the second set of parameter values.

A computer-implemented method is disclosed. The method includes receiving, from a remote system, a transfer instruction regarding a user account that, if implemented, would result in a resource threshold event in the user account. The system hosting the user account then sends a query message to an external resource system regarding a resource account associated with the user account and receives a response indicating the resource availability level of the resource account. If the resource availability level is sufficient to avoid the resource threshold event, then the system causes the external resource system to re-allocate a quantity of resource from the resource account to the user account and it authorizes and implements the transfer instruction. The external resource system may be a payroll system or an earned wages access system, in some cases, for obtaining early access to earned wages prior to payroll processing.

Techniques for implementing a tokenized contract on a blockchain are disclosed. A contract is obtained, where that contract specifies certain contract conditions. The contract is minted as a non-fungible token (NFT) to generate a tokenized contract. The tokenized contract includes logic that tracks operations to determine whether the contract conditions have been satisfied. The tokenized contract is digitally signed and linked with a crypto wallet that is embedded in a blockchain. A digital payment is received, where this payment is directed towards the tokenized contract. The logic of the tokenized contract tracks receipt of the digital payment. The tokenized contract informs the crypto wallet of the received digital payment. As a result of informing the crypto wallet of the received digital payment, the received digital payment is recorded in a distributed ledger managed by the blockchain.

A vehicle charging station for use in transmitting charging power to an electric vehicle for use in charging the vehicle is configured to communicatively couple to the electric vehicle via a network connection to a wireless network provider and electrically couple to the electric vehicle via a connector. Vehicle charging station is further configured to receive a unique identifier from the electric vehicle via the network connection, deliver a quantity of electrical charging power to the electric vehicle via the connector, and meter the quantity of electrical charging power delivered to the electric vehicle.

A transaction terminal dynamically and regularly changes a unique transaction terminal identifier (ID). The transaction terminal ID is reported to a remote manager. During a transaction, a mobile device automatically reads a current transaction terminal ID from the transaction terminal, appends a mobile device ID for the mobile device, and sends the transaction terminal ID with the mobile device ID to the remote manager. The remote manager links the mobile ID to details associated with a user of the mobile device and sends the details to the transaction terminal. The transaction terminal uses the details to customize a transaction being conducted by the user at the transaction terminal.

Systems and methods are describe herein for managing a transaction between two parties. A distributed ledger management service (DLMS) microservice receives an electronic document pertaining to a transaction from a user. The electronic document includes transactional data. A document type is determined by the DLMS microservice. A portion of the transactional data is extracted from the electronic document based on the document type. The portion of the transactional data is provided to a distributed ledger node for decentralized storage and further reporting to a third party.

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 software and/or hardware facility that can be used by content owners to assert ownership of content so that copyright friendly websites and services can take action against copyright piracy effectively, efficiently and is scalable is disclosed. The facility makes available to all content owners watermarking/fingerprinting technology so an identifier (e.g., a unique code) can be embedded in the content (e.g., video/audio portion of each video content asset). The facility utilizes blockchain technology to add information related to each unique identifier in a database and allows an authorized user (e.g., the owner) to update the information through a blockchain transaction.

The present disclosure involves systems, software, and computer implemented methods for providing rapid approval of blockchain-based transactions. This includes approval of transactions prior to the transaction being written to the blockchain. A transaction system can register with a transaction manager, such as a cloud-based or cloud transaction manager, which can maintain a queue of pending transactions and provide approval for transactions in real-time or near real-time, while later verifying the pending transactions are written into the blockchain as expected. This allows the transaction system to securely confirm the transaction is approved prior to the transaction being written in the blockchain, based on a real-time or near real-time analysis of each customer's corresponding account and transactions.