Abstract: Methods and systems relating to a protocol for verification and enforcement of proper payment of a reward from a business (second entity) to a user (first entity) are shown. A reward can be earned by the user storing private information as encrypted data on the block chain or in a data store, such as IPFS, accessible by the business. Smart contracts running on a block chain operate to implement portions of the protocol while a local block chain node can run smart contracts in read-only mode to avoid placing private information, such as decryption keys, on the block chain. The protocol can be implementable over public storage and all artifacts of the protocol can be used later as proofs of proper behavior. The protocol defines incentives and penalties to motivate every player to act according to the rules, hence making the methods and systems operate as expected.

Abstract: Systems and methods for recovery access to lost blockchain wallet seed phrases are disclosed. The systems and methods can store seed phrases for users for future retrieval. In some examples, a decentralized oracle creates an oracle private key that can be used to authenticate a user who is requesting the seed phrase. In some examples, the oracle creates a private/public key pair that can be used to transmit and store an encrypted version of the seed phrase. The authentication steps described herein also include knowledge-based authentication questions about the wallet, e.g., prior transactions using the wallet, value of the wallet, and the like.

Abstract: Systems and methods for transaction authorizations using a distributed database are disclosed. The system may allow registered transaction account holders and merchants to interact and complete transactions according to workflows enforced by smart contracts. The system may include an issuer system that receives a transaction authorization request comprising a merchant ID, a transaction account number, a transaction amount, and a transaction ID. The issuer system may retrieve a merchant public key and a smart contract based on the merchant ID, and a user public key based on the transaction account number. The issuer system may invoke the smart contract by passing the user public key and the transaction ID to the smart contract. The system may propagate transaction data (e.g., the merchant ID, the transaction account number, the payment amount, a transaction status, etc.) to a blockchain network for writing to a blockchain according to the invoked smart contract.

Abstract: One embodiment of the invention includes a system comprising: a personal digital key and a computer readable medium that is accessible when authenticated by the personal digital key.

Abstract: Systems and methods for authentication using radio frequency tags are disclosed. In one embodiment, a method for approving a requested operation from a secondary user of a resource that is controlled by a primary user may include (1) a back end comprising at least one computer processor receiving, from a mobile application that is executed by a mobile device associated with a secondary user, a requested operation involving a resource that is controlled by a primary user; (2) the back end receiving a unique identifier from the secondary user mobile application, the unique identifier being read by the mobile application from a tag associated with the secondary user; (3) the back end determining that the received unique identifier matches a stored unique identifier that is associated with the secondary user; and (4) the back end approving the requested operation and communicating the approval to the secondary user mobile application.

Abstract: The present invention is directed to a system and method that monitors a full spectrum of network risks associated with a crypto asset as well as its parent network. These risks are monitored in real-time and may include the risk of a blockchain reorganization event, unexpected inflation, abnormal fee behavior, network attacks, and forks. Combined, the innovative system supports settlement processes, risk controls and cybersecurity incident response.

Abstract: A method for implementing zero-knowledge private key management for decentralized applications including receiving a session request, establishing a session responsive to the session request, transmitting a response to the session request to the decentralized application, receiving a session approval from a client application, updating the session with the information included in the session approval, and transmitting the public key and the blockchain network selection to the decentralized application.

Abstract: Disclosed is a method of reducing smart contract fees for a decentralized application (DApp). A parameter of a request reception event and a public key of a user are stored in a task queue of a computation server. The computation server performs a task requested by the user, calls a state change function for the performed task from a smart contract, and transmits a transaction result to the user when the transaction result is returned. The user pays, to the smart contract, a fee corresponding to the generation of the request reception event, and the computation server pays, to the smart contract, a fee corresponding to a state change of the smart contract. Thus, by minimizing and uniformizing a fee to be paid by a user of a DApp system, it is possible to increase accessibility to a corresponding DApp.

Abstract: Embodiments related to systems and methods comprising receiving payment data at an access device; receiving an identifier for a mobile device at the access device; and generating and sending an authorization request message to a payment processing network, wherein the payment processing network generates a verification token, which is then sent to the mobile device whereby the mobile device is thereafter used to conduct payment transactions.

Abstract: This electronic money transfer system provides an electronic money transfer method and a system for the same which allow handling electronic money in a sense that is very similar to cash, and which allow avoidance of loss of the electronic money even at a time of loss or theft of a terminal for operating the electronic money. To this end, first, information of an electronic certificate for a terminal (A) of a user A is sent from a terminal (B) of a user B to an electronic money management server (300), and information of the electronic certificate for the terminal (B) is sent from the terminal (A) to the electronic money management server (300). Thus, the terminals to perform the transaction are authenticated.

Abstract: Embodiments for managing personal device security by one or more processors are described. Information associated with activity of a personal device is received. The information is detected utilizing a sensor coupled to the personal device. A signal representative of the received information is generated. An operational state of the personal device is caused to be changed after the generating of the signal.

Abstract: Techniques for enhancing the security of a communication device when conducting a transaction using the communication device may include using a limited-use key (LUK) to generate a transaction cryptogram, and using a signature key to generate a signature. The transaction can be an offline data authentication transaction, and access can be granted based on authentication of the signature prior to verifying the transaction cryptogram.

Abstract: The present disclosure provides a computer implemented method for maintaining a record of an order of messages appearing on one or more blockchains, the method comprising: identifying a plurality of messages, wherein each of the messages in the plurality of transactions is included on any of the one or more blockchains; and storing a record of the plurality of messages in a data store, wherein the record is indicative of the relative order of the plurality of transactions.

Abstract: A device may include a processor, a wireless transceiver in communication with the processor, and a non-transitory memory. The memory may store instructions that, when executed by the processor, cause the processor to perform processing. The processing may include sending, by the wireless transceiver, a request to share a transaction to at least one external user device in communication range of the device. The processing may include receiving, at the wireless transceiver, at least one sharing confirmation from the at least one external user device. The processing may include generating a transaction request. The transaction request may include data describing the transaction and a transaction portion to be paid by an account associated with the device. The processing may include sending the transaction request to a transaction service for fulfillment.

Abstract: A mobile terminal and controlling method thereof are disclosed, which facilitates a terminal to be used in further consideration of user's convenience. According to at least one of embodiments of the present invention, a strict authentication procedure for expense payment can be performed via a simple and convenient user interface between a mobile terminal and a terminal user. In particular, since at least one of a selection and authentication of a payment means of the mobile terminal can be performed via at least one of an aligned direction, a moving direction and a moving track of the mobile terminal, the user interface between the mobile terminal and the terminal user for the expense payment can be further simplified.

Abstract: A cardholder authentication method includes receiving, at an authentication network, an authentication request involving an account. The method further includes determining, based at least in part on a portion of an account identifier associated with said account, an authentication service. In addition, the method includes determining, based at least on said authentication service and a portion of said account identifier, an authentication response. The method also includes transmitting, to a merchant associated with a transaction involving said account, said authentication response.

Abstract: Provided is dynamic and flexible authentication based on an interaction over a communications link between a user device and a financial entity. A set of interactions enabled at the user device are categorized into different levels, each level comprises a different authentication policy. At about the same time as an interaction is initiated at the device, an authentication policy assigned to the interaction is accessed and a security challenge is activated at the device. Based upon a successful response to the security challenge, an enablement of the communications link is continued. Based upon an unsuccessful response to the security challenge, the communications link is disabled.

Abstract: Systems and methods for verifying a financial transaction based on an account number, a mobile directory number associated with the financial transaction, a mobile directory number associated with the account number, an email address associated with the account number, internet protocol address data associated with the financial transaction, and internet protocol address data associated with accesses of the email address.

Abstract: A simulation method implemented at least in part at a node of a blockchain network enables detection of suspected malicious behaviour. When a purchase of a token of interest by a user is detected, information about other queued transactions awaiting committal to the blockchain is retrieved, and a batch of probing transactions is constructed using the information about the queued transactions. The batch includes a probing transaction representing a sale of the token by the user. At the node, the state of the blockchain is overridden so that the user's wallet and other wallets appear to contain bytecode executable to aggregate multiple transactions into a single call, and the batch of transactions is thus executed in a single call. The results are evaluated to determine whether the sale of the token by the user was successful. If the evaluation is not successful, remedial action may be taken.

Abstract: A method of routing a payment transaction includes receiving a transaction request message. The message includes a payment token that was previously issued to an account holder. The payment token is translated into a funding account indicator. The funding account indicator is in a format defined for payment card account numbers in a payment account system. The funding account indicator is translated into a bank account number. The bank account number identifies a bank deposit account owned by the account holder. An EFT message is transmitted to initiate an EFT transaction to be funded from the bank deposit account owned by the account holder. The EFT message includes the bank account number.