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.

Abstract: An apparatus for segmented processing of order management system data is described herein. The apparatus generally includes: a front end interface that is operative to receive unencrypted payment information and unencrypted personal information relating to at least one customer order and return encrypted payment information and encrypted personal information relating to the at least one customer order; a middle tier interface that is operative to receive encrypted payment information and encrypted personal information relating to at least one customer order and return decrypted personal information only; and/or a back end interface that is operative to receive encrypted payment information and encrypted personal information relating to at least one customer order and return decrypted payment information and decrypted personal information relating to the at least one customer order.

Abstract: A method for implementing zero-knowledge private key management for decentralized applications on a client device including registering an account with a verifier server, initializing a wallet, generating a public key and a private key, encrypting the private key with a zero-knowledge encryption function, producing an encrypted private key, transmitting the encrypted private key to the verifier server, removing the private key from the decentralized client application, sending a transaction request to a decentralized application, receiving a raw transaction, requesting and receiving the encrypted private key from the verifier server, decrypting the encrypted private key with a zero-knowledge decryption function, signing the raw transaction with the decrypted private key, transmitting the signed transaction to the decentralized application, and removing each of the encrypted private key and the decrypted private key from the client application.

Abstract: A system for blockchain-based unique identifiers and decentralized payments including a first computerized system that includes a unique identifier, a second computerized system including a gateway device that can communicate with a blockchain network, generate a transaction to transfer a token value responsive to receiving the unique identifier and synchronize the generated transaction to the blockchain network. One of the first computerized system and the second computerized system is installed in a vehicle and the other is installed in a fixed structure.

Abstract: A content delivery platform may deliver program content segments and advertising content segments to multiple user devices. The content delivery platform may deliver a program content segment to a primary user device of a user for presentation on the primary user device. The content delivery platform may retrieve an advertising content segment from an advertising content store for presentation. The advertising content segment is provided by an advertiser that is sponsoring the presentation of the program content segment on the primary user device. The content delivery platform may send the advertising content segment to a secondary user device of the user for presentation at the secondary user device.

Abstract: A method for implementing zero-knowledge private key management for including receiving an identity smart contract creation transaction from a zero-knowledge wallet account, generating an identity smart contract responsive to the identity smart contract creation transaction at an identity smart contract address on the blockchain network, receiving a new validator transaction including a validator address, saving the validator address as an active validator to the identity smart contract, receiving a new user transaction from the use, receiving a transaction to validate the user from the validator, comparing the address from which the validate user transaction was received with the validator address, and upon determining the address from which the validate user transaction was received is identical to the validator address, saving the user as a user to the identity smart contract.

Abstract: Systems and techniques are provided for electronic payment network security. Payment data including an origin and a destination for a payment in an electronic payment network may be received. A route of the payment in the electronic payment network may be estimated based on the origin and the destination. The estimated route of the payment in the electronic payment network may be input to a neural network. Fraud probabilities may be determined using the neural network. A fraud probability may include a value indicating a probability of fraud in the payment in the electronic payment network.

Abstract: A mobile wallet computer server receives a fund access request from a user device. The fund access request is made in connection with a payment transaction. The mobile wallet server generates a tokenized card number, transmits the tokenized card number to the user device, and receives receive the tokenized card number from a card network computer system after having been routed from the user device via a merchant computer system and via an acquirer processor computer system. The mobile wallet computer server converts the tokenized card number to the actual credit card account number of the user and transmits the actual credit card account number to the card network computer system to process the payment transaction.

Abstract: A mobile device includes a display device; a processor; and a memory device configured to store instructions that, when executed by the processor, cause the processor to: present, by the display device, a user interface for accessing a mobile online banking application; receive a credential for authenticating and accessing the mobile online banking application; provide, by the display device, an option to create a mobile wallet during use of the mobile online banking application; and responsive to receiving an indication to create the mobile wallet, install a mobile wallet application on the mobile device for future mobile wallet transactions.

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: A system supports symmetric release of cryptologically-locked asset transactions. A leading exchange party and a reciprocal exchange party establish, at least in part, a peer challenge in a pre-exchange proposal. The reciprocal party uses the peer challenge to lock a cryptologically-locked asset transaction. The solution to the peer challenge corresponds to an exchange key controlled by the leading exchange party. After establishment of the cryptologically-locked asset transaction, the leading party may request that exchange logic initiate release of the cryptologically-locked asset transaction. In response to the request, the exchange logic may execute a symmetric release of the exchange key and/or signature to the reciprocal exchange party and cryptologically-locked asset transaction (such that the asset is transferred to the leading exchange party).

Abstract: Transaction ID information corresponding to proof certificate-verifying transaction information is transmitted to a block chain retention server if a request for proof certificate information is sensed, when the proof certificate-verifying transaction information generated by using the proof certificate information, to be provided to a customer, is recorded in a block chain retention server and the transaction ID information is managed. The proof certificate-verifying transaction information corresponding to the transaction ID information is acquired from the block chain retention server. A proof certificate index hash value used for comparison, acquired from the proof certificate information to be provided to a customer and corresponding to a request, is compared with a proof certificate-verifying index hash value acquired from the proof certificate verifying-transaction information.

Abstract: A method of generating wallets for discrete blockchain networks comprising receiving a primary and a first secondary seeds, generating an enhanced hierarchical deterministic (HD) wallet, comprising deriving an enhanced parent public key and an enhanced parent private key from the primary seed, generating a first toughened HD wallet, comprising deriving a first toughened parent public and private key pair from the first secondary seed, deriving a first toughened primary child public/private key pair from a function including as inputs the first toughened parent public/private key pair, a first parent chain code, and the enhanced parent public key, and performing an identity registration and certification procedure for both the enhanced and the first toughened HD wallets. An identify of a user associated with each of the enhanced and the first toughened HD wallets is verifiable by an external blockchain network because of the identity registration and certification procedures.

Abstract: A method for facilitating expansion of primary payment instruments comprises: determining a type of a primary payment instrument; determining, from a set of primary key generation rules, a primary key generation rule corresponding to the type of the primary payment instrument, the primary key generation rule specifying at least one primary payment instrument element for generating a primary payment key, each primary key generation rule from the set of primary key generation rules corresponding to a different type of primary payment instrument and specifying at least one primary payment instrument element for generating a primary payment key, each primary payment instrument including a set of primary payment instrument elements; generating, according to the primary key generation rule, a primary payment key for the primary payment instrument; and storing a corresponding relationship between the primary payment instrument and the primary payment key.

Abstract: A method for implementing zero-knowledge private key management for decentralized applications including receiving an encrypted private key and user identification information, storing the encrypted private key, receiving a session request from a decentralized application, establishing a session, transmitting a response to the session request to the decentralized application, receiving a session approval from the client application, updating the session with the information comprised by the session approval, and transmitting the public key and the blockchain network selection to the decentralized application.

Abstract: An ecosystem for monitoring the status of a consumable good is provided. The ecosystem includes an identification registry configured to (i) store identifying information regarding a consumer, and (ii) associate the stored identifying information with a unique cryptographic consumer identifier. The ecosystem further includes a transaction registry configured to (i) receive a fulfillment order for a consumable good, and (ii) generate a unique cryptographic transaction identifier for fulfillment of the fulfillment order. The ecosystem further includes a fulfillment computer subsystem configured to (i) receive the fulfillment order, (ii) verify the consumer identifier, and (iii) validate the transaction identifier. The ecosystem further includes a distributed ledger configured to encode transaction details relating to the fulfillment order.

Abstract: A secure chain of data blocks is maintained at a given computing node. The given computing node is part of a set of computing nodes in a distributed network of computing nodes wherein each of the set of computing nodes maintains the secure chain of data blocks. The secure chain of data blocks maintained at each computing node comprises one or more data blocks that represent one or more accident related transactions associated with a vehicle. In response to a risk assessment operation, one or more data blocks are added to the secure chain of data blocks maintained at the given computing node.

Abstract: A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. The invention enables the updating, correction or synchronization of transaction data maintained by an Issuer with that stored on the device. This is accomplished by using a wireless (cellular) network as a data communication channel for data provided by an Issuer to the mobile device, and is particularly advantageous in circumstances in which the contactless element is not presently capable of communication with a device reader or point of sale terminal that uses a near field communications mechanism. Data transferred between the mobile device and Issuer may be encrypted and decrypted to provide additional security and protect the data from being accessed by other users or applications.