A computerized method (600) of performing a digital payment involves maintaining (610), at a financial institution (PB1), a reservation of funds in a payer account (PA1) of a payer (P1), and maintaining (620), by a computerized digital wallet server function (DCWS), a digital wallet (DCW) having a balance corresponding to the reservation of funds in the payer account. The method further involves making (630), by a payer communication device (PD1) usable by the payer, a payment request (PR) for the digital payment at the digital wallet sewer function. The digital wallet sewer function registers (640) transaction data (TXD) that comprises an alias of the payer (PayerAlias), an alias of a payee (PayeeAlias), and a representation of a payment amount (Amount) which is deducted from the balance of the digital wallet. The digital wallet server function causes (650) a digital notification of the digital payment to a payee communication device (PD2) usable by the payee, storing (660) of the transaction data for later settlement; and subsequent initiation (670) of settlement of the digital payment based on the stored transaction data to cause release of funds from a balance of the payer account and addition of funds to a payee account (PA2) associated with the payee, wherein the deduction and addition of funds correspond to the payment amount.

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.

Systems and methods are described for providing an enhanced rebate and marketing program which may automatically enroll a consumer in a loyalty programs after the consumer completes rebate form; filter consumer information to provide to customer relationship management campaigns; capture real-time consumer responses to queries; provide real-time and dynamic, targeted offers and other communications to consumers and recipients; and provide bonus added value to consumer received rebates.

Systems and methods are provided for processing credit token and debit token based transactions in a blockchain supported network.

Disclosed are various embodiments for implementing scheduled transactions within a payment network. A computing device first determines that a trigger has occurred for a scheduled transaction for a first payment network. Then, the computing device identifies a network identifier for the recipient and a participant identifier for a recipient of the scheduled transaction. Next, the computing device determines, based at least in part on the network identifier, that the recipient of the scheduled transaction is associated with a second payment network. Subsequently, the computing device generates a payment request representing the scheduled transaction, the payment request comprising the network identifier for the recipient and the participant identifier for the recipient. Then, the computing device forwards the payment request to a global transaction router of a supernetwork.

An apparatus acquires balance information indicating the balance of electronic money from a storage apparatus possessed by a user, and determines the total price of products picked up by the user using an image captured by an image capturing unit configured to capture an image in a store. In a case where the determined total price exceeds the balance, the apparatus outputs information notifying the user that the total price exceeds the balance.

Methods, systems and computer readable media for managing (e.g., queuing, batching, submission, and logging) and monitoring distributed blockchain operations such as cryptocurrency operations and transactions by client application systems and end users of a client application system to compensate for the inherent latency in distributed blockchain systems.

A system may identify, using a machine learning model, a series of recurring events associated with an account and may generate, using the machine learning model, a prediction of a future date on which a predicted event, associated with the series of recurring events, is to occur. The system may determine that a condition associated with the account is satisfied and may determine that a current date is within a threshold number of days of the future date based on the prediction of the future date. The system may transmit, to a user device, a notification based on determining that the current date is within the threshold number of days of the future date and that the condition associated with the account is satisfied, wherein the notification includes information for presentation of an input element that enables an action to be performed in connection with the account.

A system that can transfer tokens of multiple classes from issuers to recipients is disclosed. The system generates class-specific token specification that include parameters that must be satisfied for the first user to acquire, from another user of the system, any token that is created according to the class-specific token specification. The system will save the records for each of the class-specific token specifications to a digital ledger that is accessible to users of the system. When a transfer request is received for a particular token, the system will execute a smart contract by (a) accessing the digital ledger to verify that a class-specific token specification exists which corresponds to the class of the particular token, and (b) in response to the verifying write, to the digital ledger, a first ledger entry that includes a record indicating that the amount of the particular token has been transferred to the recipient.

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.