A network electronic device, method, and computer program product facilitate receiving, via a network interface and a network, transaction information originating from at least one of a merchant electronic system and a consumer electronic device associated with a hard currency transfer from a consumer to a merchant. In response to determining that the hard currency transfer is more than a full transaction amount, a controller of the network electronic device debits a merchant account balance in the digital currency accounting system associated with the merchant to correspond to an excess amount of the hard currency transfer. The controller credits a consumer account balance in the digital currency accounting system associated with the consumer to correspond to the excess amount of the hard currency transfer. The controller communicates an updated balance to at least one of the merchant electronic system and the consumer electronic device to conclude an associated transaction.

Systems, devices, apparatuses, and methods for providing tokenization as a service are provided. Embodiments of the invention involve decoupling “tokenization service” from other services offered by a merchant service provider, and offering the tokenization service as a stand alone service. In accordance with an embodiment, a merchant service provider can receive payment data associated with a transaction between a consumer and a first entity. The merchant service provider can generate a payment token that represents the payment data and transmit a copy of the payment token to the first entity. The first entity can then transmit the payment token and order information to a second entity specified in the transaction. The merchant service provider can subsequently receive a request to complete the transaction from the second entity. The request can include the copy of the payment token from the second entity.

Systems, devices, apparatuses, and methods for providing tokenization as a service are provided. Embodiments of the invention involve decoupling “tokenization service” from other services offered by a merchant service provider, and offering the tokenization service as a stand alone service. In accordance with an embodiment, a merchant service provider can receive payment data associated with a transaction between a consumer and a first entity. The merchant service provider can generate a payment token that represents the payment data and transmit a copy of the payment token to the first entity. The first entity can then transmit the payment token and order information to a second entity specified in the transaction. The merchant service provider can subsequently receive a request to complete the transaction from the second entity. The request can include the copy of the payment token from the second entity.

Applications for automatically transacting charitable donations triggered by location-based events and activities. The applications aggregate triggered donations and conduct a financial transaction when the aggregate amount meets or exceeds a pre-determined threshold. The applications also generate an audible notification to the user and others nearby when each donation is triggered.

A gateway is provided for controlling transfer of electronic messages between a financial institution and a transaction processing system comprising a plurality of switches. The gateway includes communication circuitry operable to receive an electronic message issued by the financial institution and processing circuitry operable to determine whether the electronic message includes enough information for a switch of the transaction processing system to process the electronic message. In response to the electronic message including enough information, the communication circuitry is further operable to transmit the electronic message over a data communications network for storage in a message queue unit associated with the transaction processing system for subsequent processing by the switch. In response to the electronic message not including enough information, the communication circuitry is operable to return the electronic message to the financial institution.

A gateway is provided for controlling transfer of electronic messages between a financial institution and a transaction processing system comprising a plurality of switches. The gateway includes communication circuitry operable to receive an electronic message issued by the financial institution and processing circuitry operable to determine whether the electronic message includes enough information for a switch of the transaction processing system to process the electronic message. In response to the electronic message including enough information, the communication circuitry is further operable to transmit the electronic message over a data communications network for storage in a message queue unit associated with the transaction processing system for subsequent processing by the switch. In response to the electronic message not including enough information, the communication circuitry is operable to return the electronic message to the financial institution.

A method for coordinating transactions for domain names to register a plurality of domain names with a domain name portfolio stored in a storage, such that each of the domain names in a plurality of domain names belongs to only the domain name portfolio as a unique member of the domain name portfolio; associate a portfolio account with the domain name portfolio, the portfolio account configured for managing a pool of funds available for use in payment of the transactions for said each of the domain names of the plurality of domain names; receive credit payment instructions attributed to the portfolio account, the credit payment instructions containing a credit payment amount; record the credit payment amount against the pool of funds in order to increase a level of the pool of funds; receive debit payment instructions associated with a domain name of the domain name portfolio and domain name transaction information associated with the transaction for the domain name; record the debit payment amount against the pool of funds in order to decrease the level of the pool of funds; and generate and send a periodic report over the network detailing the level of the pool of funds and the transaction applied against two or more of the domain names as members of the domain name portfolio.

A method for coordinating transactions for domain names to register a plurality of domain names with a domain name portfolio stored in a storage, such that each of the domain names in a plurality of domain names belongs to only the domain name portfolio as a unique member of the domain name portfolio; associate a portfolio account with the domain name portfolio, the portfolio account configured for managing a pool of funds available for use in payment of the transactions for said each of the domain names of the plurality of domain names; receive credit payment instructions attributed to the portfolio account, the credit payment instructions containing a credit payment amount; record the credit payment amount against the pool of funds in order to increase a level of the pool of funds; receive debit payment instructions associated with a domain name of the domain name portfolio and domain name transaction information associated with the transaction for the domain name; record the debit payment amount against the pool of funds in order to decrease the level of the pool of funds; and generate and send a periodic report over the network detailing the level of the pool of funds and the transaction applied against two or more of the domain names as members of the domain name portfolio.

Decentralized computer systems and methods are disclosed for using a debit network as an intermediary between distributed ledgers. One method includes: receiving, at a first blockchain network from a merchant, transaction information comprising a consumer identification, an issuer identification from a payment vehicle presented for a transaction, and a transaction amount in resources of a first type, wherein the merchant and/or its acquirer are participants of the first blockchain network but the consumer and/or issuer are not participants of the first blockchain network; sending the transaction information to a debit network; identifying, using the debit network, a second blockchain network having the consumer and/or the issuer as participants, using the received consumer identification or issuer identification; and if participants of the second blockchain network accept the transaction, generating a new immutable entry to the second blockchain network indicating a change in the resources of a second type.

Decentralized computer systems and methods are disclosed for using a debit network as an intermediary between distributed ledgers. One method includes: receiving, at a first blockchain network from a merchant, transaction information comprising a consumer identification, an issuer identification from a payment vehicle presented for a transaction, and a transaction amount in resources of a first type, wherein the merchant and/or its acquirer are participants of the first blockchain network but the consumer and/or issuer are not participants of the first blockchain network; sending the transaction information to a debit network; identifying, using the debit network, a second blockchain network having the consumer and/or the issuer as participants, using the received consumer identification or issuer identification; and if participants of the second blockchain network accept the transaction, generating a new immutable entry to the second blockchain network indicating a change in the resources of a second type.