Abstract: A method for processing a transaction of a communications terminal, requesting a server, through a communications network, for implementing a transaction involving the use of payment data. The method is implemented by the communications terminal and includes: obtaining a user identification certificate, the user identification certificate being formed out of an identity document in the possession of a user making the transaction; inserting the user identification certificate into a transaction data structure; transmitting the transaction data structure to the server; and, when the user identification certificate received by the server is valid, receiving a piece of data representing the validation of the transaction by the server.

Abstract: Contactless cards, apparatuses, computer-readable media, and methods for activating a contactless card. A contactless card may communicate, to a client device via a wireless communications interface, a network address associated with a web page. The contactless card may generate a cryptogram responsive to a request from the web page on the client device. The contactless card may communicate the cryptogram to the web page via the wireless communications interface. The contactless card may receive, from the web page, an instruction to activate a payment applet of the contactless card. The contactless card may activate the payment applet based on the instruction.

Abstract: Techniques for obfuscating and deploying digital assets (e.g., mobile applications) are provided to mitigate the risk of unauthorized disclosure. An asset can be received that is to be deployed to a plurality of mobile devices, each of the mobile devices associated with a corresponding account having account attributes. A deployment group of one or more mobile devices for deploying the asset can be identified based on a set of one or more obfuscation parameters, comprising account attributes shared among the one or more mobile devices within the deployment group. A customized obfuscation scheme to be applied to the asset can be determined based at least in part on the set of obfuscation parameters. The customized obfuscation scheme can be applied to the asset to generate an obfuscated asset. The obfuscated asset can be transmitted and/or updated over a network to the one or more mobile devices within the deployment group.

Abstract: Exemplified systems and methods facilitate secured mobile payment transactions using credit cards, debit cards, bank account without having to transmit credit card, debit card, or bank account numbers over a wireless network. Rather, the exemplified systems and methods facilitate a highly secure and intuitive payment transaction and/or ATM cash withdrawal or transaction via two independent processes tied to a cloud or enterprise network—one performed between a customer computing device and a cloud network or enterprise network and another performed between a merchant computing device (including an ATM system) and the cloud or enterprise network. The validation token comprising a short code between 3 and 6 tokens in length is beneficially realized.

Abstract: Described processes include: obtaining instantiation records of a cryptographic token; selecting historical instantiations of the cryptographic token; determining, based on a measure of central tendency of the adjusted tractable values of the selected historical instantiations, a target tractable value of a new instantiation period; accessing transaction records corresponding to one or more transactions in which amounts of the cryptographic token were transferred to addresses inoperable to transfer received cryptographic tokens to other addresses; identifying, from the transaction records, transactions corresponding to the new instantiation period; and determining to instantiate the cryptographic token for the new instantiation period in response to identifying a set of transactions corresponding to the new instantiation period having an aggregate tractable value meeting or exceeding the target tractable value of the new instantiation period.

Abstract: A system and a method of data communication between a first computing device, associated with a first user, and at least one second computing device associated with a second user may include: receiving, by the first computing device, one or more data elements pertaining to details of a transaction request from the second computing device, via a voice channel; extracting said transaction request details by the first computing device; transmitting, by the first computing device, one or more authentication data elements of an electronic wallet module, comprised in the first computing device, to the second computing device, via the voice channel; and carrying out the requested transaction by the first computing device, based on the extracted transaction request details and the electronic wallet authentication data.

Abstract: A system to facilitate processing of recyclable items is disclosed. Further, the system may include a communication device configured for receiving event data associated with a recycling process from at least one sensory device, receiving a request for the event data from a first user device, and transmitting the event data to the first user device. Further, the system may include a processing device communicatively coupled to the communication device, configured for issuing a predetermined amount of crypto tokens to a second crypto account. Further, the system may include a storage device communicatively coupled to the processing device, configured for storing, using a distributed ledger technology, the event data, and data related to the issuing of the predetermined amount of crypto tokens to the second crypto account.

Abstract: A system and method are disclosed for provisioning IP features in a system-on-chip. A plurality of identical chips are fabricated, each of which is capable of have a number of features enabled or disabled. As a default, all features are disabled. A production process is later carried out, in which the chip is installed in a greater device. During this process, the manufacturer requests a license the IP owner for enablement of various features. Using secure communications, a license is granted identifying the features to be enabled, and a volume of units permitted to be manufactured. The license information is encrypted using a key already known to the chip, and sent to the manufacturer. The chip receives the license information during provisioning, extracts relevant provisioning information using the key, and a secure processing system provisions the relevant features. Log information is generated to allow the IP owner to verify license compliance.

Abstract: Disclosed are techniques and an apparatus for accessing a smart contract library that may include a number of templates of different legal contracts implementable as a smart contract between respective parties. Each template may include a number of sections having different contractual terms and conditions and fillable fields for specific contract terms. Each respective section of the number of sections includes programming code operable to enforce conformance with specific section-related contractual terms and conditions of the respective section and with any specific contract terms input to a fillable field of the respective section. A first user address generated based on cryptographic keys may be associated with a contract-creating computing device in a private blockchain. The first user address may be associated with the first user in the private blockchain. A finalized smart contract may have a smart contract address generated from the first user address and a nonce value.

Abstract: An authentication computing device stores a cardholder profile that is associated with a candidate cardholder and includes a cardholder identifier, a device identifier, payment account data, and trusted authentication data in a database system, receives an authentication request that is associated with a tax filing of the candidate cardholder and includes a filing identifier from a revenue computing device, detects the authentication request is associated with the candidate cardholder based upon the filing identifier and the cardholder profile, transmits an identity challenge requesting authentication data associated with the candidate cardholder to a user device associated with the device identifier, receives a challenge response including response authentication data from the user device, determines an authentication status associated with the authentication request based on a comparison of the response authentication data and the trusted authentication data, and transmits the authentication status to the r

Abstract: Systems and methods for providing embedded banking services are disclosed. In one embodiment, a method for providing embedded banking services on an electronic device may include (1) a computer program executed by an electronic device comprising a computer processor generating a request to enable embedded banking services for a financial institution on the electronic device; (2) the computer program communicating the request to a host for the electronic device; (3) the computer program receiving a secure token and an encryption key from one of the host of the electronic device and the financial institution; (4) the computer program storing the secure token and encryption key in secure storage of the electronic device; and (5) the computer program enabling embedded banking services on the electronic device.

Abstract: Provided is an image capture system capable of improving the safety and operability of application control, by a control device that makes a control request for an application, over an image capture device. The image capture system includes an image capture device and a management device that manages control over an application for the image capture device, which are connected with each other through a network.

Abstract: Features are disclosed for recognizing network-based user in a physical location. A system is provided for generating and detecting a scannable code. A time-sensitive scannable code unique to the user may be generated and presented by an electronic device such as a smartphone. The time-sensitive scannable code may be scanned at transaction terminal in the physical store. Using the scannable code, the system may securely determine that user profile information from the user's network-based activity may be provided to the transaction terminal for use in the physical location.

Abstract: A system to facilitate processing of recyclable items is disclosed. Further, the system may include a communication device configured for receiving event data associated with a recycling process from at least one sensory device, receiving a request for the event data from a first user device, and transmitting the event data to the first user device based on deducting of a predetermined amount of crypto tokens from a first crypto account associated with the first user device. Further, the system may include a processing device communicatively coupled to the communication device, configured for deducting the predetermined amount of crypto tokens from the first crypto account. Further, the system may include a storage device communicatively coupled to the processing device, configured for storing, using a distributed ledger technology, the event data, and data related to the deducting of the predetermined amount of crypto tokens from the first crypto account.

Abstract: Embodiments of the invention are directed to systems and methods for pushing tokenized payments to resource providers for goods or services, after the goods or services are received. A user may make a transaction request including a credential and a resource provider ID (e.g., a resource provider location) via a server computer. The server computer may generate a token corresponding to the credential and transmit it to the resource provider using the resource provider ID. Upon receiving the token, the resource provider may enter a transaction amount and send it with the token in an authorization request message. The transaction can then be processed according to standard transaction processing methods, as if the resource provider had initiated the transaction request.

Abstract: A Virtual Reality (VR) system and method are provided that integrates transaction processing. A VR session customer transaction information is obtained and a transaction is concluded with the transaction information during the VR session.

Abstract: Processes and systems described herein enable a computing device to detect compromised accounts. The computing device may obtain a user credential including a user ID, and further modify the user ID. The computing device may transmit the modified user ID to a service including a database related to compromised accounts, receive a record corresponding to the modified user ID that includes information of a compromised account, and further determine whether an account of the user ID is compromised based on the received record. Some implementations relate to the on-site provision of risk information associated with compromised accounts.

Abstract: Systems and methods for increasing the value of trash. By increasing the value of trash, persons have an incentive to collect litter and deposit the collected litter at an appropriate trash collection site (e.g., garbage can, reverse vending machine, recycling center, etc.). In one aspect, a financial instrument (e.g., a Bitcoin, Bitcoin-like value, account identifier, or any other financial instrument) or a pointer to a financial instrument is attached to the object itself or placed inside of the object in a way that is not easily extracted before appropriate time.

Abstract: Systems, methods, articles of manufacture, and computer-readable media. A computing device may wirelessly receive a network address for a resource from a contactless card that is in an inactivated payment state. A web browser executing on the computing device may access the resource at the network address. The resource in the web browser may operate a card reader of the computing device to receive a cryptogram from the contactless card. The resource in the web browser may transmit the cryptogram to a server. The resource in the web browser may receive, from the server, a response specifying that the contactless card has been transitioned from the inactivated payment state to an activated payment state.

Abstract: Authentication method to verify the authenticity of products, including associating to each product an electronic identification device having a unique identification code, selecting at least one piece of product information suitable to describe the product, associating to each identification code at least one respective and unique encryption key, encrypting the identification code and the product information, storing the encrypted content in the memory of the electronic identification device, obtaining the identification code and the encrypted content from the electronic identification device, decrypting the encrypted identification code using the encryption key corresponding to the obtained identification code, in case of correspondence between the decrypted identification code and the obtained identification code, decrypting the encrypted product information using the encryption key.