[Problem] Provided are a management device and a cryptocurrency system capable of smoothly operating an entire system by detecting fraud on cryptocurrencies without using enormous calculation amounts. [Solution] A management device connected to a plurality of user devices via a network, the management device including: an issued information storage area that stores a cryptocurrency ID of an issued cryptocurrency; an account information storage area that stores account information in association with one or a plurality of cryptocurrency IDs; and a history information storage area that stores history information of a cryptocurrency in association with a cryptocurrency ID.

[Problem] Provided are a management device and a cryptocurrency system capable of smoothly operating an entire system by detecting fraud on cryptocurrencies without using enormous calculation amounts.

[Solution] A management device connected to a plurality of user devices via a network, the management device including: an issued information storage area that stores a cryptocurrency ID of an issued cryptocurrency; an account information storage area that stores account information in association with one or a plurality of cryptocurrency IDs; and a history information storage area that stores history information of a cryptocurrency in association with a cryptocurrency ID.

Systems and methods for decentralized distribution of verifiable information, such as financial information, without requiring resort to centralized information system at the time of a query or other request for information. A decentralized method includes the steps of creating a digital wallet, issuing/receiving an issued verifiable digital credential signed by a credential issuer acting as a trust anchor for a claim contained in the verifiable digital credential, storing the verifiable digital credential within the digital wallet, receiving a request for verified information, and providing the verifiable digital credential, including the claim, from the digital wallet. The verification of information may occur as a zero-knowledge proof such that a required standard is verified as satisfied without disclosing more information about a consumer or other user than is absolutely necessary.

Aspects of the invention may involve systems, methods, and computer readable medium. In an embodiment of the invention, a computer-implemented method for paying for usage of a pay per use device may be provided. The method may transmit device identification information from the device to a server. Device setup information and vend price may be received and the vend price may be displayed. User identification may be received and transmitted to the server. An account balance value may be received and displayed on the display. A start request may be received and transmitted to the server. The device may start and an updated account balance may be displayed.

A system, computer readable medium, and method of receiving a primary authorization request at a first authorization switch using a prepaid card that lacks adequate funds in the prepaid account to cover the requested purchase amount, and initiating a secondary authorization request using a funding account identifier associated with a funding account that does contain adequate funds to cover the requested purchase amount.

A method may include receiving an approval request from a payment system including a purchase amount of the transaction and a time limit. The method may include obtaining a current value of securities. The method may include determining a purchase amount limit based on the current value. Responsive to the purchase amount being less than or equal to the purchase amount limit, the method may include obtaining margin loan funds equal to the purchase amount. The method may include sending the margin loan funds to the payment system. The payment system may approve the financial transaction prior to the time limit expiring responsive to receiving the margin loan funds. The method may include instructing the record keeper to have a broker sell at least a portion of the securities to attain sale funds. The method may include obtaining the sale funds and settling the margin loan using the sale funds.

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.

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.

One or more implementations of the present specification provide a method and an apparatus for implementing a confidential transaction in a blockchain network. The method can include: determining a remittance amount between a remitter and a remittee; creating a remittance transaction based on a selected asset amount commitment in the remitter account and a specified number corresponding to each selected asset amount commitment; and submitting the remittance transaction to the blockchain network, thereby causing the blockchain network, or programs monitoring the blockchain network, to perform operations comprising: subtracting the corresponding specified number from a total number corresponding to each selected asset amount commitment, increasing the revenue balance of the remitter account by a change amount commitment after the transaction is completed, and increasing a revenue balance of a remittee account corresponding to the remittee in the blockchain ledger by the remittance amount commitment after the transaction is completed.

Systems and methods are provided for providing gift card exchange opportunities to consumers. For example, a consumer may elect to trade registered gifts cards by selecting the gift cards to swap and indicating the value of the card to be swapped. Cards may be digitally swapped, for example, via a universal transaction card, or gift cards may be cancelled and replaced with one or more new cards and partial gift card values may be exchanged. The consumer may use a consumer account to purchase and configure gift cards that may be used for purchasing goods and services. A universal transaction identifier may be associated with the consumer account and used to purchase goods and services from more than one selected goods and services providers.