A method includes receiving, by a mobile device of a user, a payment amount for a transaction of the user. The method further includes receiving, by the mobile device, authentication data via a short range communication from a contactless card to the mobile device. The method further includes sending, by the mobile device, the authentication data and the payment amount from the mobile device to an account management system associated with the contactless card. The method further includes receiving, by the mobile device, an authorized form of payment for the payment amount from the account management system based on the user being authenticated using the authentication data. The method further includes providing, by the mobile device, the authorized form of payment to a merchant point of sale device.

An end-user computing device may utilize a device to capture input from an electronic tag of a physical asset. The end-user computing device may generate supplemental digital data associated with the input. The end-user computing device may transmit the input and the supplemental digital data to an authentication and digital assets server. The authentication and digital assets server may authenticate the physical asset and transmit the authentication results to the end-user computing device, which may display the authentication results. If the authentication of the physical asset is successful, the authentication and digital assets server may select one or more digital assets and transmit the one or more digital assets to the end-user computing device. The end-user computing device may display the one or more digital assets.

A method and a system is provided for secure transaction processing of an Industry Gift Voucher (IGV) in a blockchain network. The method includes receiving, by a processor of a blockchain node, a request to obtain ownership of the IGV from a terminal device associated with a first entity. The request includes data related to the IGV and unidentified data of the first entity. The processor identifies relevant data, transforms it into a concatenated data string, and generates a cryptographic hash value using a set of machine-readable instructions. The hash value, along with IGV and entity data, is stored on a distributed blockchain ledger. Ownership of the IGV is assigned to the first entity through execution of a smart contract that validates the hash and records updated ownership information on the ledger.

Embodiments of the present invention relate to systems, methods, processes, computer program code, and means for creating digital wallets for users. In some embodiments, digital wallets are created, at least in part, on information obtained from payment transactions conducted by users.

A reward method for users of a credit card wherein the method of the present invention encompasses embodiments that provide monetary donations to designated organizations and entry into routine prize drawings. The method of the present invention in a first embodiment provides identification of an organization wherein the credit card holder desires to donate monetary donations. The credit card issuer assigns points to every dollar spent wherein the points are subsequently converted to dollars for donation to the identified organization. A tax receipt for charitable donation is automatically sent to the credit card holder. A second embodiment of the present invention includes accumulation of points based on dollars spent with the issued credit card wherein the points are converted into entry tickets for a cash prize drawing. The cash prize drawings are conducted by the credit card issuer at predetermined intervals and are for various amounts.

Systems and methods for dynamically changing displayed content of a tag coupled to an item. The methods comprising: detecting when an individual is in proximity to the tag; triggering operations, by a computing device remote from the tag, to obtain customer related information associated with the individual, when a detection is made that the individual is in proximity to the tag; determining, by the computing device, a price discount for the item based on the customer related information which was previously obtained; and dynamically changing the displayed content of the tag to include the price discount while the individual is still in proximity to the tag.

Systems and methods for generating tokenized reputation scores are described. In one example, a service provider system receives data describing user activity associated with a service provider account and determines that the user activity is eligible for a reputation reward of reputation tokens. The service provider system initiates a calculation of the reputation reward based on the data describing the user activity. Further, the service provider system verifies a transfer of reputation tokens to a blockchain account address associated with the service provider account, where the reputation tokens are based on the reputation reward calculated. The service provider system generates a reputation score based on an amount of reputation tokens associated with the blockchain account address and generates an indication of the reputation score. The indication of the reputation score is displayed in relation to a representation of the service provider account.

Methods and systems for processing trip-based insurance policies for vehicles. According to aspects, a trip-based insurance policy of a vehicle specifies an amount of trip units for insured vehicle travel and has an associated policy term. In certain cases, a customer may exhaust trip units before an expiration of the policy term. The methods and systems therefore enable the purchase of additional trip units so that the customer remains insured. In other cases, upon expiration of the policy term, an insurance provider may calculate an amount of unused trip units. The insurance provider may determine one or more types of credit that are based on the amount of unused trip units. The insurance provider may also apply the one or more types of credit to an account of the customer.

This disclosure is directed to an apparatus and related methods for modifying a temporal signal association in a complex computing network such that a future computing operation is executed based on the modified signal association.

The present invention teaches a system, method and computer program for enabling local or regional merchants to participate in an automated cause marketing (ACM) program. The ACM program that may provide benefits to several parties involved in fundraising for one or more supported organizations, including one or more supported organizations, advertising providers, merchants, and individuals. Merchants are able to access enhanced analytics regarding their transactions with members and non-members of the ACM program and can use these enhanced analytics to realize an increased number of or revenue from transactions with members. The present invention also teaches a system and method for enabling advertising providers to acquire and analyze data associated with consumers-merchant transactions. The present invention provides the above advantages optimally using a mobile device. Furthermore, the present invention, may enable a member to disseminate its charitable preferences to members of its electronic social networks.