Abstract: A method for posting of anonymous directed transaction includes: storing a plurality of entity profiles, each including an entity identifier and a secret value; receiving a transaction request from a first entity, the request including transaction data and a specific entity identifier associated with a second entity; identifying a specific entity profile that includes the specific entity identifier; generating a first hash value via application of one or more hashing algorithms to the transaction data; generating a second hash value via application of one of more hashing algorithms to a combination of the first hash value and the secret value included in the identified specific entity profile; and posting the first hash value and second hash value to a publicly accessible data source.

Abstract: Systems and methods for providing a decentralized anti-counterfeit solution for supply chain tracking are disclosed. Exemplary implementations may: electronically store a product identifier that identifies a physical product; generate a secret code that is packaged with the physical product in a tamper-evident manner; generate a one-way encrypted code based on the secret code and the product identifier; create an asset that includes code executable by a decentralized database; record the asset on a decentralized database; record the one-way encrypted code in the asset; receive a request for verification regarding a given physical product; generate a given one-way encrypted code based on the request; determine whether the given one-way encrypted code is a match of the one-way encrypted code as recorded in the asset; responsive to a match, return a notification to the given user and remove the one-way encrypted code from the asset.

Abstract: An apparatus for cryptographic resource transfer based on quantitative assessment regarding non-fungible tokens is presented. The apparatus includes at least a processor and a memory communicatively connected to the at least a processor containing instructions configuring the at least a processor to receive a user profile representing a user and an associated cryptographic security, a user digest, and a temporal resource request. The at least a processor is configured to determine a predictive quantifier of the user profile, identify a resource-backed entity to the user as a function of the predictive quantifier, wherein the resource-backed entity includes a cryptographic resource, and generate a token entry. The token entry includes a conditional trigger configured to enable a cryptographic transfer of the cryptographic security and the cryptographic resource, wherein the token entry is configured to be deployed on an immutable sequential listing.

Abstract: A computer-implemented platform (1000) for conducting an electronic payment transaction between a user (104) and a merchant (102, 103) is provided. The platform (104) includes a computer system (100) configured for the generation of a data structure containing payment data; a mobile device (106, 800) associated with a user (104) configured to use the data structure generated by the computer system (100) to communicate an electronic message reflecting payment instructions; and a merchant or processing terminal (102, 103, 108) configured for communication with the mobile device (106) to receive the electronic message, and formulate a request to process the electronic payment transaction. Corresponding methods and computer-readable media are also provided.

Abstract: Described herein are techniques and systems directed to using context data provided by supplemental devices to reduce false declines during transaction authorization. In some embodiments, upon a transaction being declined based on a level of risk associated with the transaction, a service provider may obtain context data from a number of supplemental devices associated with a user, resource provider, location, or other suitable factor. This context data may then be assessed by the service provider to determine a degree to which the context data supports that the user conducting the transaction is the owner of the account used to conduct the transaction. The level of risk may then be adjusted based on that degree and the adjusted level of risk is used to determine whether to approve or decline the transaction.

Abstract: Embodiments of the invention are directed to methods, systems, and devices for replacing a token on a user device, such as a transaction card. The transaction card includes tokens representing an actual account identifier which is not visible on the transaction card. The transaction card may store a first token on a and include a digital display that displays a second token. When the first token or the second token is compromised, the compromised token is replaced without replacing the transaction card. When the second token is compromised, the compromised token is replaced with a new replacement second token using an electronic device. The replacement second token replaces the old second token on the digital display. After the second token is compromised and before the replacement second token is provisioned on the transaction card, the transaction card may still be used for transactions using other tokens provisioned on the card.

Abstract: Methods and systems described in this disclosure for protecting one or more consumer accounts. In one implementation, the system includes a security device and a portable computing device. The portable computing device detects whether it is in proximity to the security device. When the portable computing device is in proximity to the security device, one or more consumer accounts associated with the portable computing device is permitted to be used in a transaction. When the portable computing device is not in proximity to the security device, one or more consumer accounts is prevented from being used in the transaction.

Abstract: The present disclosure discloses a distributed consensus algorithm and apparatus for rapidly generating a block. The algorithm includes: broadcasting a new transaction to all nodes (S110); collecting, by each of the nodes, the new transaction into a block (S120); evaluating a trust value of each of the nodes to obtain an evaluation result (S130); selecting honest miners according to the evaluation result (S140); obtaining negotiation rules (S150); creating, by the honest miners, a new block according to the negotiation rules, and broadcasting the new block to all the nodes (S160); and when all transactions in the nodes are valid but do not take effect, receiving the new block and adding the new block to a blockchain (S170).

Abstract: Systems and methods for dynamic inclusion of enhanced data in transactions are disclosed. According to another embodiment, in an information processing apparatus comprising at least one computer processor, a method for conducting a mobile wallet payment with dynamic enhanced data using a mobile payment application may include: (1) receiving, from a merchant point of transaction device, a transaction request from a mobile payment application executed by a mobile electronic device, the transaction request comprising a unique identifier for a financial instrument provisioned to a mobile wallet computer application and a payment option selection; and (2) processing the transaction request according to the payment option selection.

Abstract: A marketplace network for facilitating transactions among a plurality of marketplace participants. The marketplace network includes a plurality of service provider systems associated with respective service provider participants. Each of the plurality of service provider systems are communicatively coupled to a respective merchant server. The marketplace network includes a plurality of user systems associated with respective user participants configured to generate a service request to one of the plurality of service provider systems. The marketplace server facilitates transactions digitally by executing a set of computer-executable tasks for securely processing transactional exchanges among the marketplace participants. The transactional exchanges include at least exchanges of ownership rights for digitally stored data at least in part owned originally by the user participants.

Abstract: The present disclosure relates to methods and systems for calculating consensus data on a decentralized P2P network using a distributed ledger. Embodiments of the present disclosure provide for calculating, by a network node, data values corresponding to market rates associated with the network node, and sharing the data values with other network nodes. The data values from all network nodes are aggregated and a rule set applied to the aggregated data to determine and outlying values. Any network node that submitted an outlying value is designated as an outlier node. Consensus data is calculated based on data values that exclude data values from the outlier network nodes.

Abstract: A method, system, and computer program product for fraud management with a shared hash map. A shared hash map may include a plurality of identifiers mapped to a plurality of buckets by at least one hash function. One or more buckets of the plurality of buckets may include at least one blockchain. The at least one blockchain may include fraud data associated with one or more fraudulent transactions. A method may include storing the shared hash map, receiving an update to the shared hash map, and providing a copy of the shared hash map. A method may include storing a local copy of the shared hash map, receiving transaction data associated with a transaction, accessing fraud data in the local copy of the shared hash map, and determining an authorization or a denial of the transaction based on the fraud data.

Abstract: An example operation may include one or more of receiving, by a resolver node, from at least one user node assets to be recorded on a blockchain, executing, by the resolver node, a smart contract to reject non-conforming assets from being stored on the blockchain based on a set of rules defined by an asset validation format, determining, by the resolver node, events and transactions related to the rejected assets, and allowing the at least one user node to tag the rejected assets, the events and the transactions related to the rejected assets as contradictory.

Abstract: An open electronic commerce system includes a user computing device holding a virtual currency, as a node of a blockchain network; a virtual currency exchange server configured to support virtual currency trading; a point exchange service server configured to determine a reference price parameter from the virtual currency exchange server when there is a request for exchange of the virtual currency that the user computing device holds, and to exchange the virtual currency for a point corresponding to the virtual currency requested to be exchanged; and an electronic commerce server configured to provide support for purchase of an item with the point.

Abstract: A method for processing a resource of a block chain may include: issuing a stake certificate in a block chain based on a set stake certificate issuing mechanism, allocating the stake certificate to a stake account according to a stake proportion, and storing operation data of the issuing and allocating the stake certificate into the block chain, the stake account referring to a block chain account; issuing a circulation resource in the block chain based on a set circulation resource issuing mechanism, allocating the circulation resource to the block chain account according to a circulation resource allocation strategy, and storing the operations of the issuing and allocating the circulation resource into the block chain; and ascertaining, during operation of the block chain, a block-producing node according to a delegated proof of stake consensus algorithm, by using the stake certificate of each stake account as a consensus certificate.

Abstract: Methods and systems for secure storage and retrieval of information, such as private keys, useable to control access to a blockchain, include: receiving, in a cryptoasset custodial system, a request to authorize a staking operation associated with a blockchain, wherein the staking operation is associated with a private key of an asymmetric cryptographic key pair, the private key is usable to control ownership of a cryptoasset recorded in the blockchain, and the private key is securely held in the custodial system; performing, in response to the request, a portion of the proof-of-stake protocol in a hardware security module using logic designed for the protocol, wherein the logic in the hardware security module is configured to authorize the staking operation by digitally signing an associated staking transaction; and sending the digitally signed staking transaction to another computer to effect the staking operation on behalf of the user.

Abstract: A method, system, and computer program product generate, with a payment network, a first value (a) and a second value (ga), the second value (ga) generated based on the first value (a) and a generator value (g); generate, with the payment network, a plurality of random merchant numbers (mi) for a respective plurality of merchant banks; determine, with the payment network, a merchant product (M) based on a product of the plurality of random merchant numbers (mi); generate, with the payment network, a public key (pki) based on the second value (ga), the merchant product (M), and the random merchant number (mi) and a random key (rki) based on the merchant product (M) and the random merchant number (mi) for each respective merchant bank; and communicate, with the payment network, the public key (pki) and the random key (rki) to at least one respective merchant bank.

Abstract: A clearing delay estimate may be employed that provides issuers with an accurate estimate for when a transaction will be cleared, thus providing more transparency to issuers to more efficiently manage funds. An algorithm may be employed to estimate clearance timing information and insert the timing information into communications with the issuer or other parties to a transaction involving a payment device. The estimated clearance timing information may be determined based on machine learning and other artificial intelligence techniques using historical data related to clearance timing for the particular entities involved in each transaction.

Abstract: The present disclosure involves systems, software, and computer implemented methods for generating new credit accounts for immediate availability for use in current online transaction. One example process includes identifying a request to perform a credit application process associated with a particular user via a client application. A first signal can be transmitted that includes a redirect instruction for the client application to a credit application site to perform a credit application process. A second signal can be transmitted that includes a merchant-specific identifier of the particular user and a request to perform the credit application process. A third signal can be received from the credit application site that includes an approval, a payment credential associated with a newly created credit account, and the merchant-specific identifier of the particular user. The payment credential can be associated with the user profile of the user corresponding to the merchant-specific identifier.

Abstract: The present disclosure involves systems, software, and computer implemented methods for generating new credit accounts for immediate availability for use in current online transaction. One example process includes identifying, at a merchant application, a request to perform a credit application process associated with a particular user via a client application. The credit application process is associated with a financial institution, and the merchant application stores a set of user accounts, each associated with a merchant-specific identifier identifying the particular user profile at the merchant. An interactive application is presented within the merchant application, and information associated with the completed application is transmitted to an API associated with the financial institution with the merchant-specific identifier of the associated user.