A system includes a purchase portal configured to receive a purchase order from a customer, wherein the purchase order includes a service from each of a plurality of service providers. When receipt of the purchase order is detected, a processor determines first and second ones of the service providers associated with the purchase order; and establishes a trust relationship between the first service provider and the second service provider in a context of the customer. The processor also sends a first request for a first trust artifact to the first service provider and a second request for a second trust artifact to the second service provider; receives the first trust artifact from the first service provider, receives the second trust artifact from the second service provider, sends the first trust artifact to the second service provider, and sends the second trust artifact to the first service provider.

Provided are a payment method and system through generation of a one-time payment-only number of a real card linked with an application, wherein in order to make payment safely by generating a one-time payment-only number every payment without leaving card information of a user in a provider's payment terminal or by using the generated one-time payment-only number, when a real card is linked with an application installed on a user terminal and the payment terminal recognizes the real card, a user signature input window, and transaction information about payment performed with a one-time payment-only number generated by a card company server are displayed on a screen of the application of the user terminal, and payment is performed when a signature of the user is input to the signature input window.

System and method are described for creating and validating identities across multiple blockchains. According to an embodiment, a system uses decentralized resources to receive an enrollment request comprising entity information to create a multi-chain identity of an entity and create an account with a global identifier for the entity and one or more decentralized identities (DIDs), each associated with a cryptographic blockchain of a set of supported cryptographic blockchains. The system maintains a mapping of the global identifier and the one or more DIDs created, share the global identifier and the one or more decentralized identities in a digital wallet associated with the entity. In an embodiment, the digital wallet is implemented as an application to be run on a computing device associated with the entity. The digital wallet stores the global identifier, the one or more decentralized identities, and corresponding cryptographic keypairs associated with each of the one or more DIDs.

A system and method to conduct secure electronic financial transactions are provided. The method includes receiving a request, from a user, to perform a transaction with a merchant; generating a virtual check comprising a checking account number, a bank routing number, and a date; displaying the virtual check on at least one of a display of an electronic device of a user or the merchant; receiving input from the user corresponding to at least one of a plurality of check fields; receiving a virtual signature from the user; encrypting the virtual signature; storing the encrypted virtual signature in a database; decrypting and embedding, in the image of the virtual check, the virtual signature received from the user; populating the virtual check based on the received input and depositing the virtual check.

There are provided systems and methods for a carbon neutral blockchain protocol for resolving carbon offsetter payments for cryptocurrency transactions. A service provider, such as an online transaction processor, may provide a green wallet and network protocol that provides carbon offsetting fees and payments to carbon offsetters in order to account for carbon emissions and usage when processing cryptocurrency transactions on a blockchain network protocol. A green wallet may be provided, which allows registration of carbon offsetters and use of green addresses to cause cryptocurrency to be processed in a green transaction. A user's digital wallet may sign an initial cryptocurrency transaction and provide the fee to the green wallet. The green wallet may then resolve the cryptocurrency transaction by further signing the transaction and transmitting the fee to a digital wallet of the carbon offsetter over another cryptocurrency processing network.

Systems and methods for complex process flow approval using distributed ledgers are disclosed. The method may include generating a process initiation message based on input from a second service provider or a user. The method may include recording the process initiation message on a first distributed ledger. The method may include monitoring the first distributed ledger for an indication of an approval event. The method may include generating a settlement event based on the indication of the approval event. The method may include recording the settlement event on the first distributed ledger. The method may include communicating a settlement event message to a second distributed ledger. The method may include generating a virtual payment instrument associated with the settlement event message, the indication of the approval event, and the process initiation message.

Described are a system, method, and computer program product for segmenting a plurality of accounts. The method includes processing transaction data for a plurality of transactions conducted by a plurality of accounts using a plurality of account identifiers, the transaction data for each transaction including data identifying the transaction as an electronic transaction or a physical transaction, segmenting the plurality of accounts into at least two groups including an active customer group and an inactive customer group based on the transaction data for each transaction conducted by each of the plurality of accounts, determining a third subset of customers from the second subset of customers based on at least one predicative model and a transaction profile of each customer of the second subset of customers, and automatically enrolling the third subset of customers into an automated campaign.

A method and system are provided for validating a promotional token redeemed at a Point-of-Sale (PoS) terminal, can include receiving, at the Point of Sale (PoS) terminal located at a physical retail location, a promotional token ID from a mobile device associated with a customer. The promotional token ID can be configured to uniquely identify a promotional token to promote a consumer packaged good (CPG) distributed on a social media platform. A CPG is entered at the PoS terminal to determine a CPG ID configured to uniquely identify the CPG. Next, a validation request is generated. The validation request comprises the promotional token ID and the CPG ID. The validation request is then transferred to a server having access to a private blockchain ledger. Upon completion, the PoS terminal will receive, from the server, the redemption status for the promotional token ID based on information stored in the private blockchain ledger responsive to the validation request.

A diamond asset comprising one or more diamonds and an encryption chip is used to asset-back a cryptographic token that can be used to conduct transactions. The cryptographic token is written to a blockchain using a smart contract that is configured to enable a transaction associated with the token in response to two or more of: a signature by the encryption chip, a signature by the owner of the diamond asset, and a validation of a visual layout of the diamond asset.

A system software and method which relates to the field of computing technology or business process models or computer systems or distributed computer systems or computer networks relating to general purpose devices that can be programmed to carry out a set of data table or hash table updates, validations or modifications supporting, enabling or executing public and private services, financial transactions and commercial applications. More specifically, the present invention is directed to distributed and decentralized computing in which said distributed network is supported and encrypted by cryptographic technology, hash functions and distributed public or private keys or other related technology. System and methods for managing dynamic electronic documents on a private distributed ledger comprise establishing a dynamic electronic document comprising a first state object, wherein the state object references a prior approved first transaction; proposing a second transaction comprising as an input the first state object and as an output a transaction command to alter the state object as well as what parameters are required to validate the second transaction; validating the proposed second transaction; and updating the state object on a private distributed ledger to reference the second transaction.