A system (100) including a merchant system (110) and client system (120) to perform a computer implemented method (800) comprising: receiving (801) one or more parameters of a contract; generating (803) a smart contract representing the contract in accordance with the one or more parameters; recording (805) the smart contract on a distributed ledger (140); receiving (811) a request for a contract token; and issuing (813) the contract token in accordance with the smart contract, wherein the contract token is associated with a merchant, and wherein the one or more parameters are specified by the merchant.

According to an embodiment, an Internet shopping mall management method comprises providing or accumulating points corresponding to a portion of an amount of purchase made by at least one purchaser terminal, selecting a purchaser terminal, whose transaction amount exceeds a reference transaction amount, from among the at least one purchaser terminal, classifying the selected purchaser terminal based on the transaction amount of the selected purchaser terminal, receiving conversion configuration information about whether to convert the points to stocks from the selected purchaser terminal, and when an accumulated amount of transaction made by the selected purchaser terminal exceeds a preset distribution grade, and the accumulated points exceed a preset conversion reference, requesting the selected purchaser terminal for information necessary for converting the excess points into stocks, receiving the information, and supporting a service to provide investment information about a company granting point-to-stock conversion.

Provided herein are systems and methods using real-time electronic data associated with a user account to modulate merchant discount data specific to a user.

An automated, dynamic digital financial management tool is described herein. The financial management tool enables a user to access all forms of payments, debt and transactions to be deducted automatically depending on which form of payment is chosen. The financial management tool documents every item/service purchased. The documentation enables a company/manufacturer/store to provide marketing and recall information to the user. The financial management tool is able to include any and/or all financial aspects of a user's life. The financial management tool is able to be implemented using a universal card. The financial management tool is able to include a pay station to receive payments. The financial management tool is able to include automated services. An automated, dynamic health management system is also described herein. The financial management tool enables automatic stock purchases based on product purchases.

Herein disclosed are systems and methods for distributing fractional equity rewards to users of a loyalty platform based on tracked user loyalty purchases. The disclosed systems and methods may reduce time between a user loyalty purchase and distribution of a fractional equity reward determined based on the user loyalty purchase. In one example, by maintaining a pre-purchased supply of shares within an inventory account of the loyalty platform, and by distributing fractional equity rewards to user accounts on the loyalty platform from the pre-purchased supply, a reduction in reward distribution time may be enabled. Further, by maintaining the pre-purchased supply of shares of stock within the inventory based on a running average rate of fractional equity reward distribution, and predicted events, the amount of stock in the inventory may be intelligently controlled to reduce excess inventory, while reducing a probability of reward distribution delay.

A computerized trading system includes a master node and a plurality of regional nodes, the master and regional nodes each including a processor and memory, and where the master node is communicatively coupled to each of the regional nodes over a network. The master node and regional nodes are programmed to perform a method for updating limits for each of the regional nodes, where the master node maintains a global limit and a ratio representing a proportion of the global limit allocable to each of the regional nodes. The master node allocates to each regional node a local limit that is a proportion of the global limit in accordance with the ratio, and monitors the local limit utilization at each of the regional nodes. When the master node detects one or more events, the master node allocates a new local limit to one or more of the regional nodes.

The invention relates to a system and a method for managing financial investment products mutually beneficial for a company and a customer, and more particularly, to a method comprising of converting sales revenue of merchandise to an investment resource, hosting an investment contest for customers who purchase the merchandise, and having a winner of the contest operate the investment resource, and a system therefor. A method for managing financial investment products according to one embodiment of the present invention, a method comprising opening an investment contest website to hold an investment contest; managing an investment resources; accumulating a special purpose point to a customer through a company server when the customer purchases merchandise and service through a customer terminal on a website of the company server; participating in the contest using the special purpose points by the customer; providing a financial investment management asset to a winner of the contest through the company server; distributing investment profits to the company and the customer if the customer makes profits by managing the financial investment products.

Herein disclosed are systems and methods for distributing fractional equity rewards to users of a loyalty platform based on tracked user loyalty purchases. The disclosed systems and methods may reduce time between a user loyalty purchase and distribution of a fractional equity reward determined based on the user loyalty purchase. In one example, by maintaining a pre-purchased supply of shares within an inventory account of the loyalty platform, and by distributing fractional equity rewards to user accounts on the loyalty platform from the pre-purchased supply, a reduction in reward distribution time may be enabled. Further, by maintaining the pre-purchased supply of shares of stock within the inventory based on a running average rate of fractional equity reward distribution, and predicted events, the amount of stock in the inventory may be intelligently controlled to reduce excess inventory, while reducing a probability of reward distribution delay.

A method that includes receiving a string from a remote station, the string associated with an interaction event between a user and the remote station, is provided. The method includes verifying that the string includes a content validation for a user account in a network service, mapping at least a portion of the string to a ticker symbol associated with an entry in a database and transmitting, to the user, a message indicating that a fractional value associated with the ticker symbol has been added to the user account in the network service. A system configured to execute the above method is also provided.

A method that includes receiving a string from a remote station, the string associated with an interaction event between a user and the remote station, is provided. The method includes verifying that the string includes a content validation for a user account in a network service, mapping at least a portion of the string to a ticker symbol associated with an entry in a database and transmitting, to the user, a message indicating that a fractional value associated with the ticker symbol has been added to the user account in the network service. A system configured to execute the above method is also provided.