A system and method for identifying and validating indicia representative of at least one of a document and a transaction and a set of data by an originating party involves at least one of a document and a transaction and a set of data having at least one information item original to the at least one of a document and a transaction and a set of data. An identifier representative of the at least one information item original to the at least one of a document and a transaction and a set of data is generated. The integrity of the integrity of the at least one of a document and a transaction and a set of data is validated by using the identifier to determine whether at least one information item of the at least one of a document and a transaction and a set of data has not been altered from the at least one information item original to the at least one of a document and a transaction and a set of data.

Techniques for adjusting blockchain balances are described. One example of a method includes detecting changes to blockchain balances deposited on an anchor point in a blockchain, wherein the changes to the blockchain balances are caused by transactions submitted by one or more members of a blockchain network that maintains the blockchain; querying, by a member of the blockchain network associated with the anchor point, a blockchain balance deposited on the anchor point in the blockchain; determining whether a changed amount of the blockchain balance is greater than or equal to a predetermined change threshold; and in response to determining that the changed amount of the blockchain balance is greater than or equal to a predetermined change threshold, initiating, by the member, a balance adjusting contract operation to adjust the blockchain balance so that the changed amount is less than the predetermined change threshold.

Technologies related to mobile credit payment are disclosed. In an implementation, a credit payment request is generated and sent to a user account of a credit payment application (APP) installed on a mobile computing device. A payment response message is then received from the mobile computing device. The payment response message is parsed to identify an APP public key license. A pre-stored credit authorization public key is used to verify the APP public key license and an APP public key is received from the APP public key license if the verification is successful. A payment deduction request is generated and sent to the user account of the credit payment APP. A payment authorization encrypted using asymmetric key encryption is received from the mobile computing device. The APP public key is used to decrypt the payment authorization, and a transaction log is recorded if the second response message is successfully decrypted.

A method of generating recommendations based on predicted activity external to a first region includes segmenting a plurality of users into at least a first subset of users and a second subset of users. The method also includes generating an activation metric for each user of the first and second subset of users. The method also includes determining a plurality of target users from the plurality of users. The method also includes automatically initiating a target action for each target user. A system and computer program product for generating recommendations based on predicted activity external to a first region is also disclosed.

A request for fund flow of a specified amount between a payer and a payee is received by a first member of a blockchain. A fund flow route between the first member and a second member corresponding to the payee in the blockchain is determined by the first member, where the fund flow route comprises the first member, the second member, and several relay members, and blockchain balances deposited by all members of the fund flow route at all anchor points of the blockchain are registered in a blockchain ledger of the blockchain. A fund flow contract operation is initiated by the first member. In response to initiating the fund flow contract operation, the blockchain balances of all the members of the fund flow route registered in the blockchain ledger are uniformly changed, where the second member pays funds of the specified amount to the payee.

A system for location based available credit notification includes one or more processors configured to execute the instructions to determine a customer location and a customer identity based on a response from the user device to a location access request; determine an available credit associated with the customer; access customer specific information and merchant data based on at least one of the determined available credit, the customer location, and the customer identity; wherein the customer specific information includes at least one of customer transaction data or customer mobility data; predict, by a prediction model if the customer is going to make a purchase and, if so, a monetary amount of the purchase; determine if the predicted monetary amount of the purchase exceeds the available credit; and transmit a notification to the user device upon determining that the predicted monetary amount of the transaction exceeds the available credit.

A real-time payment system transaction is initiated to settle a purchase of goods or services. An indication is received that the real-time payment system transaction failed. In response to the indication, the purchase of goods or services is settled via a settlement system associated with a payment card account system.

A beverage dispensing system employs a user-wearable device that contains identification data. The user is associated with the wearable device using the identification data and provides an initial purchase credit also stored in association with the wearable device. To make a purchase, the user positions the wearable device in proximity with a sensor co-located with a beverage dispenser. The sensor receives the identification data and provides it to a payment processor. The processor determines if the purchase request is less than the stored purchase credit and, if so, activates an actuator positioned between a beverage storage container and a beverage dispenser outlet to thereby dispense the beverage. The processor deducts the purchase amount from the available credit and stores the new credit value. The wearable device may communicate wirelessly with the sensor. The processor may be part of the beverage dispenser or remotely located and communicate via a network.

[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 are provided for providing targeted marketing to goods and services provides and consumer resource management services to consumers. An example system and method for targeted marketing comprises collecting transaction data from point-of-sale (POS) terminals and using a consumer identifier in the transaction data to access stored information about the consumer. This information may be used to target offers and advertisement to the consumer. In an example system for consumer resource management, a consumer may configure a consumer account on the enterprise infrastructure via a web-site. The consumer may use the 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.