An improved cryptocurrency transaction process is disclosed herein. The cryptocurrency transaction process involves the use of a payment card to verify a cryptocurrency transaction. The payment card interacts with a point of sale terminal having a processor. The processor communicates with a database that carries out most of the remaining steps of the process. The cryptocurrency transaction process disclosed herein is a significant improvement over known methods and solves a number of problems in multiple arts described further herein.

Application integration for contactless payments is described. In an example, a payment making platform can provide a transaction code to a payment processing platform. The transaction code can be presented at a point-of-sale of a transaction between a customer and a merchant associated with the payment processing platform. Upon detecting an interaction between the transaction code and a computing device of the customer, the payment making platform and the payment processing platform can exchange data to enable the customer to participate in the transaction via the computing device of the customer. In some examples, the payment making platform and the payment processing platform can process a contactless payment for the transaction by transferring funds associated with an account of the customer from the payment making platform to the payment processing platform for depositing into an account of the merchant.

Machine learning-based techniques are described that enable determining an optimal timing schedule for retries of a failed event such as a failed payment transaction. A payment retry optimization machine learning model is trained using ground-truth payment outcome data to obtain a trained model configured to identify an optimal timing schedule for one or more retries of a failed payment transaction based on various inputs including a time of the failed payment transaction, a set of payment attributes, an overall payment retry period, and a maximum number of retries to be attempted.

Systems and methods for facilitating virtual space instance access. Exemplary implementations may: obtain, in an ongoing manner, state space information defining a present state of a virtual space instance; facilitate presentation of a view of the virtual space instance to users through graphical user interfaces; obtain one or more consideration provision channels associated with one or more of the users; monitor the state space information for circumstances in the virtual space instance that satisfy circumstantial triggers of consideration stream trigger definitions associated with the objects; responsive to detection of circumstances in the virtual space instance that satisfy the circumstantial triggers, automatically initiate one or more streams of consideration amounts from one or more consideration provision channels to one or more consideration reception channels.

Embodiments of the present invention relate to methods, systems, and computer program products for user behavior management. In embodiments, a group of states of a user of an application system within a previous time period may be obtained. A state in the group of states may be associated with a privilege of the user for accessing resources in the application system during the previous time period. A feature of the user may be generated based on the group of states. A privilege of the user at a current time may be managed in the application system based on the feature. With these embodiments, the user behavior may be managed according to various aspect of the user's historical states and thus the user may be managed in a more accurate and effective manner.

A computer implemented method of processing an authorization request for a transaction in a first territory associated with a payment card issued in a second territory is disclosed. The method comprises receiving, at a server of a payment network, a transaction authorization request, the transaction authorization request comprising an indication of a payment card identifier of a payment card associated with the transaction; determining, using the payment card identifier, a local nominated issuer, the local nominated issuer being an issuing authority within the first territory authorized to process authorization requests associated with the payment card; routing the transaction authorization request to a server of the local nominated issuer; and receiving a transaction authorization response from the server of the local nominated issuer.

Distributed ledger cores are disclosed. A method for interacting with a distributed ledger core may include: (1) a distributed banking ledger in a blockchain-based distributed ledger system receiving a transaction request for a transaction from a client system; (2) a smart contract creating a pending transaction; (3) the smart contract sending a posting request for the pending transaction to a ledger interoperability service; (4) the posting generation service generating accounting movements for the transaction; (5) the posting execution service posting the accounting movements and providing posting details to the ledger interoperability service; (6) validating the posting details with a data services module; (7) the smart contract receiving a posting validation complete notification from the posting execution service via the ledger interoperability service; (8) the smart contract settling the transaction on the distributed banking ledger by writing the transaction as a new block to the distributed banking ledger.

Systems and methods for systems and methods for cryptocurrency checkout are disclosed. According to one embodiment, a method may include a financial institution backend: receiving, from a merchant backend, control of a checkout flow for a transaction comprising an identification of a good or service to purchase, wherein the merchant backend accepts payment in cryptocurrency; receiving login credentials for the customer from the computer program; retrieving a plurality of customer accounts for the customer; receiving selection of one or more of the plurality of customer accounts to fund the cryptocurrency for the transaction; deducting a payment amount for the transaction from the one or more selected customer accounts; confirming payment to the merchant backend; returning control of the checkout flow to the merchant backend, wherein the merchant backend completes the transaction with the customer; and settling the transaction by providing a settlement amount in cryptocurrency to the merchant backend.

A system including a network interface and a processing circuit is provided. The processing circuit includes one or more processors coupled to non-transitory memory. The processing circuit is configured to receive a transaction request from a transaction device. The transaction request associated with a payment card and including a transaction amount. The processing circuit is further configured to determine that the transaction amount would cause a violation of a daily spending limit associated with the payment card. The processing circuit is further configured to generate a one-time-password (OTP) associated with the transaction request. The processing circuit is further configured to provide the OTP to a mobile device of a user. The processing circuit is additionally configured to process the transaction request by applying an adaptive daily spending limit (ADSL) override of the daily spending limit responsive to an indication that the user provided the OTP to the transaction device.

A system and a computer-implemented method to control transactions processed by an enterprise resource planning (ERP) system. A bank balance funds check controller checks existing bank balance funds available (BBFA), and validates transactions on detecting adequate BBFA, or prevents validation on detecting inadequate BBFA, thereby preventing negative funds resulting out of outgoing payment, by way of a restriction on a standard functionality of the BBFA fluctuating between positive and negative amounts. A negative balance controller accepts and processes incoming positive and negative receipts, and manages a situation arising there out of, irrespective of availability of adequate BBFA, resulting in negative bank funds or an increase in the existing negative bank funds available, by way of context-sensitive exceptions to the restriction. The controllers communicate with a standard functionality of the ERP system and with each other only via a central data store within a program server associated with the ERP system.