Product Owner & Builder | Portland, Maine

Justin
Harvey

I Build Payment Infrastructure. Government Scale. Blockchain-Native. Patent Filed.

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Patented Work
Payment Infrastructure Provisional Patent Filed

Real-Time Government Tax Payment Infrastructure

A patented system replacing multi-day ACH settlement with instant, auditable electronic settlement that won't disrupt existing banking systems.

The Problem

Government tax payments rely on batch-based or reversible payment rails, leading to settlement delays, reconciliation complexity, and operational risk for both payers and treasuries.

The Solution

A three-layer settlement model:

  • Instant compliance validation and payment confirmation
  • Cryptographically verifiable, irreversible settlement
  • Final USD reconciliation into government treasury accounts using existing banking infrastructure

Why It Matters

Faster, safer government revenue collection while preserving regulatory compliance, auditability, and compatibility with current financial systems.

Provisional patent filed. Details available upon request.

Recent Projects

Payments, Fintech & Infrastructure

Payment infrastructure, blockchain-native systems, and fintech tools

Blockchain | Civic Payments | Featured

CivicChain

Blockchain-native civic payment platform enabling real-time, auditable settlement for government services. Residents pay taxes, fees, and permits via stablecoin rails with instant treasury reconciliation — replacing batch-based ACH while preserving full regulatory compliance.

View Project →
Product

Universal POS System

Complete point-of-sale solution with integrated inventory management, payment processing, and real-time analytics dashboard.

View Index →
Fintech

XRPL Excise Tax Portal

Cryptocurrency tax calculation tool for XRPL transactions. Helps users understand their tax obligations with clear, actionable breakdowns.

View site →
Background

Work I'm proud of.

Professional experience and notable technical contributions

GLG (Gerson Lehrman Group)

Council Member — GovTech & Payment Systems | 2025–Present

Expert consultant to institutional investors and consulting firms on government payment infrastructure, multi-gateway architectures, and state/federal digital modernization.

Tyler Technologies

Product Owner — Government Payment Platform | 2019–2025

  • Owned product for a government SaaS platform processing $50M annually across 20+ agencies and 500K+ users
  • Defined multi-gateway payment strategy reducing transaction failures 85% and saving clients $2.3M/year
  • Shipped ML-powered payment routing optimization generating $890K in annual cost savings
  • Secured $2.1M budget approval via ROI-backed business cases; delivered $3.2M+ total business value
  • Led 4 scrum teams across payment processing, reconciliation, and reporting — 40% faster feature velocity, 95% customer satisfaction

45th Parallel Risk Management

Founder | 2018–2019

Zero-to-one B2B SaaS consultancy — $340K revenue, 12 clients. Built proprietary risk assessment product to $85K licensing revenue through product-market fit validation.

Scrum Alliance

Certified Scrum Product Owner (CSPO)

Applied across 4 concurrent scrum teams — sprint planning, backlog ownership, and stakeholder alignment at enterprise scale.
Tools & Technologies

What I work with.

The stack behind the work

Product

Jira, Figma, Miro, Aha!, Confluence

AI / ML

TensorFlow, PyTorch, GPT-4, LUIS

Automation

Playwright, Selenium, Browser Extensions

Development

JavaScript, HTML/CSS, SQL, Chrome APIs