A system for processing and verifying real-time calculations in a cloud computing environment is disclosed. In embodiments, the system performs implements methods to receive, at a first data center, a request from a point of sale (POS) system to perform a real-time calculation, where the real-time calculation is used to make automated decisions about a transaction. The system can transmit the request to a decision handler. The decision handler can determine which of a plurality of decision engine queues to further transmit the request to. The decision handler can transmit the request to a decision engine queue from the plurality of decision engine queues. The decision engine queue can scatter the request to at least two decision engines. The decision engine queue can receive a result of the real-time calculation and transmit the results through other components to the POS system.

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

In a method of payment for service of a portable communication unit, a customer prepays a dealer for said service, the dealer forwards transaction order information about the pre-payment to a prepaid management center (PMC); and the PMC provides a bank the transaction order information. The bank, upon receipt of the transaction order information from the PMC, determines whether there are sufficient funds in the dealer account to cover the transaction. If there is insufficient cash on hand, the dealer is notified and is provided an opportunity to replenish the account so that the transaction may proceed. If there are adequate funds in the dealer account, the bank automatically transfers the amount of the purchase transaction in the SPS account, less the dealer's fee for the purchase. After funds are transferred from the dealer account, the PMC is notified of the transfer, at which time the PMC generates codes and issues the codes to the dealer. The dealer transfers the codes to the user and the user enters the codes into the unit. On a regular basis the bank electronically transfers funds from the SPS account into accounts held by parties entitled to receive the funds.

A server is operable to receive a media device identifying number (ID) and establish an association between a media device and a payment account and, in one embodiment, supports at least one of payment authorization and payment clearing based at least in part on the media device ID and the payment account. A network and system includes a payment card processor server that is operable to receive a payment authorization request and to determine if an authorized media device generated a purchase selection message and to determine to approve a received payment authorization request based, in part, if the media device was authorized for the purchase selection based upon a received media device ID.

When a vending machine control system S detects a user who is about to open a door 13 of a vending machine 1 while the door 13 is locked, the vending machine control system S determines whether the detected user has a payment capability on the basis of information for settlement of the detected user. And then, the vending machine control system S controls to unlock the door 13 of the vending machine 1 in a case that it is determined that the user has the payment capability.

Systems and methods for providing blockchain based checks (BC Checks) that may be redeemed without traditional coordination between financial institutions of participants. Some particular embodiments of the present disclosure enable a recipient of a BC check (the payee) to validate the BC check directly through a blockchain hosted at least in part by the financial institution that issued the checks to the network participant using the BC check as payment (the payer) to the recipient. Some embodiments of the present disclosure further enable the payee to redeem the BC check for fiat currency directly through the payer's financial institution (even if the payee and payer do not share the same financial institution).

A method for secure anonymous payment processing of Services or Virtual Assets. Initially, a Buyer selects an offered Service or Virtual Asset from a Web Site or via a Mobile Application. The Buyer is then challenged to provide a Secondary Factor Authentication to verify the Buyer's identity via a software application such as Google Authenticator, or via a hardware solution such as Yubico or Symantec. Once the Buyer is authenticated, the system allows for the input of the public cryptocurrency addresses. Sellers are similarly authenticated and can add public cryptocurrency addresses, schedules and pricing structures to build offers for sale. The system allows for anonymous order matches between Buyers and Sellers and when a Buyer decides to purchase, the system builds a transaction, comprised of the Buyer and Seller Account Tokens, the dollar amount required to satisfy the Service, or type and quantity of Virtual Assets, including any source and target address information, in the case of a cryptocurrency currency transaction. The System instructs the entity holding the payment, such as a Bank or Debit Card processor, to move the amount of funds required to satisfy the transaction in full plus any fees due to the exchange. The System then notifies the Seller that the Buyer has initiated a transaction and the funds are known-good. The Seller then satisfies the Service or provides the transfer of Virtual Assets as outlined in the transaction. Once the System verifies that the Service or transfer of Virtual Assets is complete, the System instructs the banking entity to move the funds into the Seller's account. In the case of Virtual Assets, the System verifies the movement of the cryptocurrency amount via the publicly available records of the Virtual Asset's Blockchain in real time or via a replicated copy. The transaction is then marked complete, and both parties are satisfied with no chance of fraud occurring on the part of the Buyer or the Seller. If the Service is not performed, or the Virtual Asset is not transferred completely, then the Buyer is refunded in full (when no service was completed or no cryptocurrency asset was transferred at all), or both parties are credited partially (in the case where a calculatable percentage of the service was completed or a percentage of the cryptocurrency asset was transferred) in the proper proportion.

Systems and methods of dynamic resource allocation. The system may include a processor and a memory coupled to the processor. The memory stores processor-executable instructions that, when executed, configure the processor to: receive a signal representing a resource allocation request; determine a projected resource availability based on a resource model and a second data set including at least one data record unrepresented in batched historical data sets, the batched historical data sets including data records representing at least one of recurring or non-recurring resource allocations, and wherein the resource model is prior-trained based on the batched historical data sets; and generate an output signal for displaying the projected resource availability corresponding with the resource allocation request.

Contactless dispensing of objects from object-dispensing machines. A digital token is wirelessly communicated to the machine via short-range wireless communication, such as Near Field Communication (NFC) or the like. In response, a push notification is communicated to the user's wireless device, which includes an activatable link for launching a mobile application. In response to launching the mobile application and authenticating the user, the mobile application provides object-dispensing machine-like user interfaces that are configured to allow the user to input object requesting parameters and submit a request for objects to be dispensed from the object-dispensing machine. The request is communicated to the object-dispensing machines (or corresponding backend processing systems) and, once the request is verified, the object-dispensing machine dispenses the requested objects.

An automated package delivery system and service for crowd-funded package subscription delivery. A recipient creates an account giving delivery information and optionally gives event date(s) for a recipient. Anyone having a unique customer code may submit credit purchases through a graphical user interface, which are transmitted over a network to the delivery system. Multiple packages are delivered to the recipient over a period of time, as long as the recipient's credit balance is greater than a minimum package cost. The contents of the package may automatically change based on the event date(s). The recipient may also provide payment information to top off any deficient credit balances.