A method is disclosed. The method comprises receiving, by a virtual terminal, virtual terminal configuration data from a virtual terminal configuration data source via a virtual terminal configurations API. The method also includes transmitting, by virtual terminal, to a device reader, a value, and receiving, by the virtual terminal, access data from a user device via the device reader. The method further includes transmitting, by the virtual terminal, a transaction request comprising at least the value and the access data to a transaction platform via a transaction API, and receiving, by the virtual terminal, a transaction response from the transaction platform via the transaction API.

A payment processing method and apparatus for using an intermediary platform are described. In one embodiment, the method comprises electronically receiving approval from an intermediary platform associated with a payment processor user of a first authorization request for a first transaction; electronically receiving for approval, at the payment processing system, a second authorization request for a second transaction from a merchant using a payment instrument used by an agent of the service provider; and settling transactions associated with the service provider, including clearing a batch of records corresponding to the service provider on a predetermined time basis by comparing, with a tracking engine of the payment processing system, transaction tracking information associated with authorization requests to net out individual transactions.

Various embodiments are directed to a method and system for provisioning a merchant-specific payment apparatus, such as a temporary payment card, via a computing device, such as an automated teller machine (ATM). A user, such as a customer, may specify a merchant. A record of known payment acceptance types at that merchant may be returned, which may be used to determine what type of temporary payment card gets issued to the user.

A method includes obtaining, by a digital asset-based interaction computing entity of a digital asset-based interaction system, at least a portion of first and second computing entity real-time information regarding a digital asset-based interaction. The digital asset-based interaction includes providing, by a first computing entity, an amount of digital asset to a second computing entity. When a scan code interaction mode is disabled, the method further includes generating an authorization key charge code representative of the at least a portion of first and second computing entity real-time information and sending the authorization key charge code to the second computing entity. When the authorization key code is obtained by the first computing entity, the method further includes obtaining remaining first computing entity real-time information, locking system digital assets to back the digital asset-based interaction, and sending a confirmation to the second computing entity that the digital asset-based interaction is approved.

A method includes generating, by an issuing entity of a digital asset-based interaction system, issuing entity account-based digital assets, establishing a digital asset backing account with a digital asset backing entity, obtaining an amount of system digital assets from a digital asset-based interaction computing entity, and depositing the amount of system digital assets in the digital asset backing account. When a first computing entity of the one or more computing entities initiates an issuance triggering action with the issuing entity, the method further includes issuing at least a portion of the issuing entity account-based digital assets to the first computing entity, wherein the first computing entity is operable to use the at least the portion of the amount of the issuing entity account-based digital assets for digital asset-based interactions within the digital asset-based interaction system.

A method includes obtaining, by a digital asset-based interaction computing entity, pre-authorization hold first computing entity information and pre-authorization hold second computing entity information regarding initiation of a pre-authorization hold digital asset-based interaction between a first and second computing entity. The pre-authorization hold first computing entity information includes an indication of a digital asset the first computing entity intends to use. The method further includes obtaining external data pertaining to the digital asset, analyzing one or more of: the external data, a pre-authorization hold time period, and a pre-authorization hold amount to determine a pre-authorization hold procedure. The method further includes locking an amount of system digital asset and an amount of the digital asset in accordance with the pre-authorization hold procedure and sending a confirmation to the second computing entity that the pre-authorization hold digital asset-based interaction is successful.

A method includes determining, by a digital asset-based interaction computing entity, to dynamically update a digital asset balance of a digital asset-based interaction interface of a computing entity storing a first digital asset. When the first digital asset is not recognized for use within a second jurisdiction, the method further includes determining a first digital asset to universal digital asset exchange rate, determining a universal digital asset to second asset exchange rate, determining a first digital asset to second asset exchange rate and the digital asset balance in terms of the second asset, and providing one or more of the: first digital asset to universal digital asset exchange rate, digital asset balance in terms of the universal digital, universal digital asset to second asset exchange rate, first digital asset to second asset exchange rate, and digital asset balance in terms of the second asset to the computing entity.

A method includes obtaining, by a digital asset-based interaction computing entity of a digital asset-based interaction system, first computing entity real-time information regarding initiation of a digital asset-based interaction. The digital asset-based interaction includes a real-time digital asset-based interaction process and a nonreal-time digital asset-based interaction process. The method further includes locking an amount of system digital asset to back the digital asset-based interaction. When a code display interaction mode of the first computing entity is disabled, the method further includes generating an authorization key code to authorize the digital asset-based interaction and sending the authorization key code to the first computing entity. When the authorization key code is obtained by the second computing entity, the method further includes obtaining second computing entity real-time information and sending a confirmation to the second computing entity that includes an indication that the digital asset-based interaction is authorized.

A login method and system based on a cloud application instance, and a related device are provided. The method includes the following steps: A cloud application instance sends a login request for an application service node to a terminal device, such that after obtaining a login password input by a user, the terminal device sends a verification request carrying the login password and a device identity of the cloud application instance to an account management node. The account management node may verify the login password, and send verification success information to the cloud application instance. The cloud application instance logs in to the application service node based on the verification success information using.

A system is provided including a first server storing a first data file for a first user, a second server storing a second data file for a second user, a first data card of the first user registered with the first server and locally storing a portion of the first data file, and a second data card of the second user registered with the second server and associated with the second data file. The first data card detects a pairing gesture between the first and second data cards, and in response, establishes a peer-to-peer connection between the data cards. The first data card subsequently detects a transfer gesture between the first and second data cards, and in response, transmits the portion of the first data file from the first data card to the second data card over the peer-to-peer connection.