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: In some examples, a wireless card reader detects insertion of a chip card at a chip card reader interface that includes electrical contacts positioned in the wireless card reader to contact contacts of the chip card when inserted into the wireless card reader. The wireless card reader may send, to a mobile computing device, a wireless communication request to send a PIN to the card reader. The card reader may receive, from the mobile computing device, a wireless communication including the PIN entered by a user on the mobile computing device. The card reader may send the PIN for authentication of the PIN. The card reader may receive a confirmation that the PIN has been authenticated. The card reader may send, to the mobile computing device, via the communication component, an indication of the confirmation that the PIN has been authenticated.

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: Systems, methods, and apparatuses for implementing licensing and provisioning software products within a cloud based computing environment. An exemplary system having at least a processor and a memory therein includes logic for receiving user input defining a plurality of features of a software product, creating a license definition of the software product based on one or more of the plurality of software product features, storing the license definition into a software application depot hosted by a cloud computing service provider, publishing a record for the license definition in a selected management organization for the cloud computing service provider, the record providing a reference to the license definition and an owner thereof, and assigning and linking a stock keeping unit (SKU) to the license definition to make the software product available for purchase.

Abstract: Systems and methods are provided for associating authentications and authorizations in connection with network interactions. An exemplary system includes a computing device configured to receive an authorization request for a network interaction from an acquirer, where the authorization request includes a primary account number (PAN) for a payment account and a transaction amount. The computing device is also configured to determine whether the authorization request includes an accountholder authentication value (AAV) and/or a transaction identifier (ID). In response to the authorization request including the AAV and the transaction ID, the computing device is configured to determine whether the AAV and the transaction ID are included in a data structure and, in response to them being included in the data structure, append a tag to the authorization request indicative of association of the authorization request to an authentication in the data structure associated with the AAV and the transaction ID.

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: Methods and systems for using blockchain digital currency are provided herein. The methods and systems comprise a blockchain digital currency that is created and utilized on a permission-based network of financial institutions. The blockchain digital currency is created by a central authority and minted into circulation by banks within the network, and is backed by reserves of real world currency of any country. The digital currency can be used for any type of financial transaction, and the system provides security, trust, traceability and a detailed audit trail for all transactions.

Abstract: A system for optimizing music listening which enables a player to earn game based electronic lottery tokens. A lottery game token music platform may be accessed via a mobile application or website from a client system. A player may earn electronic cryptographic raffle/lottery tickets/tokens by listening to sound recordings via the lottery game token music platform and/or watching videos containing sound. Analytics are processed based on the player's listening behavior, including statics regarding the player's consumption of the sound recordings, biometrics regarding the user's identify to verify that the user is not a bot, and listening engagement scores. In this way, tokens may be allocated based on how long the player listens to the song and other additional affirmative actions. Tokens earned by players are then placed into a raffle lottery to award cash prizes. A random number generator may be used to determine the lottery winners.

Abstract: The disclosed embodiments include computerized systems and methods for generating secured block-chain-based ledger data structures that track subdivide ownership and usage of one or more assets, such as Internet-connected devices. In one instance, an apparatus associated with a rules authority of the secured block-chain-based ledger may detect an occurrence of a triggering event related to at least one of partial ownership interests in the assets, and may access and decrypt a set of rules hashed into the secured block-chain-based ledger using a confidentially-held master cryptographic key. The apparatus may identify a rule associated with the detected event, and perform one or more operations consistent with the rule, including a generation of additional data blocks reflecting a change in at least one of the partial ownership interests, and additionally or alternatively, processes that adaptively monitor a compliance of one or more partial owners with an imposed usage restriction.

Abstract: Provided herein is a computer-implemented method for provisioning a token to an appliance. The method includes registering an original account identifier to an appliance, wherein the original account identifier is not associated with any user when registered, associating a device token to the original account identifier, wherein the device token is stored by the appliance, associating a user account identifier to at least one of the device token and the original account identifier, receiving, from the appliance, a transaction request for a transaction, the transaction request including the device token, identifying the user account identifier based on the device token, determining that the transaction is authorized based at least partially on the user account identifier and the original account identifier registered to the at least one appliance, and in response to determining that the transaction is authorized, processing the transaction. A system and appliance are also disclosed.

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: Various embodiments of the present disclosure provide systems and methods for securing electronic devices, such as financial payment terminals, to protect sensitive data and prevent unauthorized access to confidential information. In embodiments, this is achieved without having to rely on the availability of backup energy sources. In certain embodiments, tampering attempts are thwarted by using a virtually perfect PUF circuit and PUF-generated secret or private key within a payment terminal that does not require a battery backup system and, thus, eliminates the cost associated with common battery-backed security systems. In certain embodiments, during regular operation, sensors constantly monitor the to-be-protected electronic device for tampering attempts and physical attack to ensure the physical integrity.

Abstract: An example operation may include one or more of computing historical patterns related to fraudulent attempts from a transaction log, predicting future fraud attempts from public data, correlating the historical patterns and the predicted future fraud attempts, modifying one or more endorsement policies based on the correlations, and adding the modified one or more endorsement policies to a smart contract.

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: Computer-implemented methods, apparatuses, and systems for transferring a transaction using a blockchain integrated station are provided. The blockchain integrated station includes a central processing unit (CPU) and a smart network card. The smart network card is configured to receive a transaction of a blockchain network, wherein the blockchain integrated station is a blockchain node of the blockchain network, and determine other blockchain nodes in the blockchain network; and in response to determining the other blockchain nodes of the blockchain network, transfer the transaction to the other blockchain nodes of the blockchain network.

Abstract: A system for performing transaction mixing between a plurality of users on a blockchain is provided. The blockchain may be, for example, the Bitcoin blockchain. The system is configured to carry out the steps of: (i) preparing a first commitment transaction arranged to transmit control of a resource from a source address of a first user to a receiving address of a second user; (ii) preparing a second commitment transaction arranged to transmit control of a resource from a source address of the second user to a receiving address of a further user; (iii) preparing a further commitment transaction arranged to transmit control of a resource from a source address of the further user to either: (a) a receiving address of the first user; or (b) a receiving address of a yet further user and repeating step (iii) until option (a) is performed to complete a transaction chain; and (iv) executing the transaction chain. At least one of the users is randomly chosen from the plurality.

Abstract: Methods, systems, and apparatuses are described herein for authenticating access to an account using questions which allow users to provide textual information about transactions conducted by an account. A machine learning model may be trained to predict the guessability of merchants. A request for access to an account may be received, and transaction data for that account may be received. An authentication question may be presented. For example, a user may be prompted to list places they have shopped recently. A user response comprising text data may be received. The text data may be processed to identify one or more merchants. If the one or more merchant(s) are represented in the transaction data, the machine learning model may be used to determine the guessability of the one or more merchants. An authentication score may be determined based on the guessability, and access to the account may be provided.

Abstract: A method of processing payment transactions includes receiving a transaction request from a client device, determining whether a transaction command generator is available, transmitting the transaction request to a transaction command generator, the transaction command generator being an existing transaction command generator or a newly created transaction command generator, receiving generated personal identification number (PIN) pad commands from the transaction command generator, and transmitting the generated PIN pad commands to a PIN pad.

Abstract: An example operation may include one or more of identifying a transaction from a blockchain node to be committed to a blockchain, determining a current amount of block space reserved by other blockchain nodes of the blockchain from a schedule, determining whether there is enough block space available for the transaction, and creating a block space reservation for the transaction.

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.