Computer bypass systems and methods using a customer portal of a core account computer system to bypass a core account provider computer system are disclosed. One method comprises receiving at a loan computer system a loan request from an electronic client device and obtaining core account access information comprising a core account provider identifier and core account authentication credentials of the client for a customer portal of the core account computer system. The loan computer system can use the core account authentication credentials to access the core account customer portal and obtain a core account balance and a maximum allowable loan limit. The loan computer system can provide machine readable instructions to render a graphical user interface indicating the maximum allowable loan limit and can receive a requested loan amount, which is used to transfer funds from the core fund to create a loan fund.

Provided are systems and methods for facilitating bill payment functionality in mobile commerce. In one embodiment, a method can include receiving a transaction code at the mobile device, transmitting the transaction code to a merchant device for association with a transaction, receiving transaction information associated with a transaction based on the transaction code at the mobile device, displaying the transaction information at the mobile device; displaying at least one payment option at the mobile device, receiving a selection of one of the at least one payment option; transmitting the selected payment option and transaction information from the mobile device for approval of the payment of the transaction, receiving notification of approval of the payment at the mobile device, and receiving a payment completion code associated with the notification of approval, wherein the payment completion code is provided to the consumer on a bill associated with the transaction.

A system for performing a credit transaction enabling remote payment on behalf of a third party includes a computer network, a payment terminal, and a server. The payment terminal has an identifier so that the payment terminal is uniquely identified. The payment terminal and the server are in communication with the computer network. Processing programming code is positioned on the server that enables the server to derive a merchant bank identity from the identifier, positioning the server to initiate the processing of a credit card transaction and to communicate an issuing bank approval for the credit card transaction to the payment terminal. Interfacing programming code is positioned on an electronic device of a user that enables the user to communicate the identifier and a credit card payment authorization for the credit card transaction, via the computer network, to the server.

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.

In one embodiment, a system for digitally providing access to an article is disclosed. The system includes a locking unit to secure and article in a locked state and a server. The server generates a digital key associated with the article or the locking unit. When the digital key is provided to a portable electronic device of a user, the digital key enables the portable electronic device to alter the locking unit between the locked state and the unlocked state without the user paying for the article or authorizing payment for the article. Upon a first event, the digital key is assigned to the user and provided to the portable electronic device of the user. The first event includes the user initiating a request for access to the article or the digital key, and verification that the user satisfies a predetermined condition.

A system and method for tiered pricing for any scarce commodity, such as petroleum products or food stuffs, may be used to ration the scarce commodity. The system and method may use a dual currency transaction system to manage the rationing. In the use case for gas or oil as the scarce commodity, the dual currency system and method and the tiered pricing may also reduce carbon emissions into the atmosphere by charging both a monetary price and a carbon price for a product or service wherein the carbon price for each purchasable item (good or service) may correspond to a number of Kg of Co2 emitted by the manufacture/sale/use of the purchasable item.

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.

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.

A method comprises: selecting one or more blockchain assets from a remitter's blockchain account according to a transaction amount of a transaction to be remitted from the remitter's blockchain account into a receiver's blockchain account, wherein a total asset amount represented by the selected one or more blockchain assets is not less than the transaction amount, and a commitment of an individual asset amount represented by each of the selected one or more blockchain assets is recorded in a blockchain; generating a commitment of the transaction amount; and submitting to the blockchain the transaction comprising information of the selected one or more blockchain assets and the commitment of the transaction amount, for the selected one or more blockchain assets to be removed from the remitter's blockchain account and one or more blockchain assets corresponding to the commitment of the transaction amount to be added to the receiver's blockchain account.

A system may detect an outstanding account of a borrower having an outstanding amount. The system may also display a loan-request interface associated with the outstanding account with the loan-request interface activated in response to the outstanding amount being within the dynamically calculated loan capacity. The system may receive an input via the loan-request interface to request a loan based on the outstanding amount. A request for the loan may be transmitted in response to the input.