Methods and systems for facilitating donations to user preferred causes are disclosed herein. In accordance with one embodiment of the invention, the method comprises the steps of collecting a plurality of information corresponding to a user preferred payment methods and user preferred causes, detecting the users engagement in commerce, calculating a donation amount, prompting the user to verify or update the donation amount and causes the donation is for, and, in response to the user verifying the donation amount and causes, transferring the donation amount from the user preferred payment methods to the causes. In some embodiments, this method further comprises donation batching. In some embodiments, this method further comprises calculating and displaying an impact score corresponding to the quantitative or qualitative representation of the tangible effect of the donation based on the donation amount and the causes donated to.

A computer-implemented method for communicating about a product includes under control of one or more configured computer systems, selecting a product having a unique identifier (UID), using the unique identifier (UID) for the selected product to link a unique social media feed to the selected product, and enabling users to access the unique social media feed for engaging in social media conversations about the selected product. The method includes selecting a second product having a second unique identifier (2UID), using the second unique identifier (2UID) for the selected second product to link a second unique social media feed to the selected second product, and enabling users to access the second unique social media feed for engaging in social media conversations about the selected second product. The unique identifier (UID) is serial numbers, random numbers, names maintained by a central registry, or codes maintained by a central registry. The unique identifier (UID) assigned to the selected product is a Stock Keeping Unit (SKU), a Universal Product Code (UPC), a Global Trade Item Number (GTIN), an International Article Number (EAN), or an Australian Product Number (APN).

Systems and methods are provided for group bill payment comprising creating a secure group bill payment account associated with a plurality of group members. The group bill payment account may be configured to receive information via a network from the plurality of group members; permit a group member to manage the group bill payment account following an authentication process; and transmit a group payment to a provider. Systems and methods may further comprise receiving instructions from a group member to create a rule for requesting payment, the bill being from a provider and associated with group members; receiving the bill issued by the provider; determining a charge based on the bill and the rule; sending a payment request based on the charge; receiving a deposit into the group bill payment account; transmitting a group payment; and sending a notification.

A system for intelligently processing queries for cloud-based network file stores includes a file store that stores groups of documents that are associated with files, a non-transitory storage medium that stores instructions, and a processor. The processor may execute the instructions to receive a ticket based on a communication associated with a query to the file store, pull data for the ticket, check a sender of the communication, identify a file using the data, and/or analyze the communication using an artificial intelligence engine to generate a recommendation. The processor may monitor changes to the recommendation made before being sent in order to update the artificial intelligence engine for the changes.

Systems and methods for transaction authorization management based on user-defined account restrictions are provided. A financial services device may receive a transaction approval policy including one or more parameters defining account access restrictions. The financial services device may receive attempted purchases from a purchase device and determine, based on the transaction approval policy, whether to authorize or decline the attempted purchases. The financial services device may also be capable of notifying an account-holder about the attempted purchases and receive instructions from the account-holder whether to authorize or decline the attempted purchase.

A computer-implemented method is provided comprising: generating a digital data block comprising transaction data representing at least one energy transfer transaction corresponding to an exchange of charge between a community member device and a charge source device, randomly selecting, in a group of community member devices, a plurality of block verification devices, wherein the block verification devices form a subgroup of block verification devices, partitioning a block verification computation task for the digital data block into a plurality of block verification computation subtasks, assigning the block verification computation so subtasks to respective selected block verification devices, transmitting the digital data block to each selected block verification device, together with its respective block verification computation subtask over a computer network, determining that the digital data block is verified, based on at least one verification results of a corresponding block verification computation subtask, and adding the verified block to a blockchain-enabled storage system.

A financial institution computing system includes a customer account database configured to retrievably store information pertaining to a plurality of financial accounts held by a plurality customers of the financial institution and a processing circuit. The processing circuit is configured to transfer a first amount of funds from a plurality customer financial accounts associated with a plurality of customers a pooling account, wherein the plurality of customers belong to a predetermined pooling group associated with the pooling account, identify a financial account associated with a paying customer, the paying customer having insufficient funds for a payment amount to a third party, and transfer a second amount of funds from the pooling account based on the payment amount to the financial account associated with the paying customer , wherein the paying customer belongs to the predetermined pooling group.

Technology is disclosed for a convenient money transfer without requiring any account login and/or creation activities. The disclosed technology enables a sender to transfer a specified amount of currency to one or more recipients through a payment application while executing an instant message application. The payment application can act as a background process associated with or incorporated in the instant message application, so as to provide the user with a “seamless” user experience. In response to detection of a specified identifier, the technology can provide a user interface to collect a numerical value corresponding to the specified amount of currency, access a list of contacts in a database of the sender's mobile device, and provide the list of contacts to the sender. The technology enables the sender to manually select recipients from the provided list of contacts and can accordingly initiate a payment process based on statuses of selected recipients.

Disclosed herein are computer-implemented methods, computer-implemented systems, and non-transitory, computer-readable media for managing transactions on blockchain networks. One of computer-implemented method includes obtaining, by a scheduling device on a blockchain network, transaction data including a plurality of original pending transactions to be executed on the blockchain network among a plurality of accounts, the transaction data being stored on the blockchain network. The scheduling device performs a consolidation analysis of the plurality of original pending transactions to determine a plurality of modified pending transactions among the plurality of accounts, and a number of the plurality of modified pending transactions is less than a number of the plurality of original pending transactions. The scheduling device maintains the plurality of original pending transactions with the plurality of modified pending transactions, without updating the transaction data stored on the blockchain network with the plurality of modified pending transactions.

Systems and methods for transaction authorization management based on user-defined account restrictions are provided. A financial services device may receive a transaction approval policy including one or more parameters defining account access restrictions. The financial services device may receive attempted purchases from a purchase device and determine, based on the transaction approval policy, whether to authorize or decline the attempted purchases. The financial services device may also be capable of notifying an account-holder about the attempted purchases and receive instructions from the account-holder whether to authorize or decline the attempted purchase.