Abstract: The present disclosure is directed to security settlement in financial markets and cryptographic currencies. Particular portions of the present disclosure are directed to a cryptographic currency protocol and to a cryptographic currency that includes a positional item. The cryptographic currency protocol supports a virtual wallet that, in various embodiments, is a security and cash account for storing and managing the cryptographic currency. Opening a transaction via the virtual wallet to transfer the cryptographic currency is a strong guarantee of the availability of funds in the virtual wallet because, e.g., funds are not transacted unless the commit phase is successful.

Abstract: An authentication application may receive, from a merchant application of a client device, a merchant identifier, a transaction identifier of a transaction, encrypted data, and a location of the client device. The authentication application may decrypt the encrypted data based at least in part on a private key. The authentication application may determine that the contactless card has been used to make a previous purchase with the merchant and that the location of the client device is within a threshold distance of a known location associated with a contactless card. A virtual account number generator may generate a virtual account number and transmit the merchant identifier, the transaction identifier, the virtual account number, an expiration date, and a card verification value (CVV) to a merchant server associated with the merchant to process the transaction using the transaction identifier, the virtual account number, the expiration date, and the CVV.

Abstract: The invention comprises a computer-implemented method and system for controlling an exchange process, such as a loan, conducted between at least two parties via a blockchain such as the Bitcoin blockchain. A method according to the invention may comprise the step of generating a first blockchain transaction which includes a redeem script. The redeem script comprises a cryptographic public key associated with an initiating party and metadata which includes a hash of an exchange-related document; a redeem address; and an amount of digital currency. A second blockchain transaction is generated and published to the blockchain so as to spend the digital currency to the redeem address. This provides the advantage that the further transaction will be publically available and thus detectable by other parties once it has been published. The further transaction can provide the information necessary to trigger a response e.g. an offer from another (responding) party who publishes their response on the blockchain.

Abstract: A blockchain of transactions may be referenced for various purposes and may be later accessed by interested parties for ledger verification. One example method of operation may comprise one or more of identifying shipment locations for a product shipment, storing the shipment locations in a local blockchain, transmitting the shipment locations to a remote blockchain, comparing the shipment locations of the remote blockchain with the shipment locations stored in the local blockchain, and verifying the shipment locations of the remote blockchain are consistent with the shipment locations stored in the local blockchain.

Abstract: The disclosure relates to a blockchain-implemented system and method of controlling the transmission and/or distribution of digital content. A first user is associated with a deposit quantity of cryptocurrency at a common address. A first node associated with the first user sends a request to the second node to provide an episode of digital content from a series of digital content; determines a payment transaction to transfer a payment quantity of cryptocurrency to the second user, wherein the payment quantity is based on a quantity of episodes of digital content in the series; and signs and sends the payment transaction to a second node. The second node associated with the second user: receives the request and the payment transaction; verifies the payment transaction; and based on the result of verifying: provides access to the episode of digital content to be available to the first node; and co-signs and sends the payment transaction to a distributed ledger.

Abstract: A method of making a payment in which payment data is received by a user's terminal from a point-of-sale terminal, a secret of a payment application is received by the terminal from the operator's server system, a trust card is activated in the user's terminal by utilizing said secret of the payment application, and data of the trust card is transmitted from the user's terminal to the point-of-sale terminal for making the payment transaction. A trust card is created in the server system, data of the trust card is transmitted to the terminal to be used for making the payment transaction, the secret of the payment application is formed in the server system, and access to the secret of the payment application is provided to the terminal for activating the trust card for making the payment transaction.

Abstract: Healthcare transaction validation systems and methods are presented. Healthcare transactions associated with a stakeholder are compiled into a chain of healthcare transaction blocks. The chain can be considered a chronicle of person's healthcare path through life. When a transaction is conducted, the corresponding healthcare parameters (e.g., inputs, outputs, clinical evidence, outcomes, etc.) are sent to one or more validation devices. The devices establish a validity of the transaction and generate a new block via a proof-of-work principle. Once the new block has been calculated it can be appended to the stakeholder's health care blockchain.

Abstract: A method of creating, redeeming and transferring tokens associated with tokens on a peer-to-peer distributed ledger. The method includes including metadata associated with the token in a redeem script, wherein the redeem script is associated with a transaction of cryptocurrency on the peer-to-peer distributed ledger. One aspect of the invention provides a method of issuing and/or transferring a token, comprising the steps of generating a blockchain transaction (Tx) having an output (TxO) related to a quantity of cryptocurrency such as Bitcoin, and a hash of a redeem script. The redeem script comprises metadata which in turn comprises a token. The token is a representation of, or a reference to, a tokenised entity. The redeem script also comprises at least one (preferably two or more) public cryptographic keys. The metadata is provided in the redeem script at a location which is designated in the underlying blockchain protocol as a location for a cryptographic key.

Abstract: Systems and methods are provided for processing objects. For example, a call request message is received, the call request message carrying an identification (ID) of order data associated with one or more objects, the order data including at least a total value of the objects and an ID of a second subject; a first account related to a first subject and a user password related to the first subject are acquired; the first account and the user password and the ID of the order data are sent; the first account and the user password and the ID of the order data are forwarded; and based on at least information associated with the first account and the user password and the ID of the order data, the total value is deducted from a first value included in the first account related to the first subject.

Abstract: Embodiments enable a block chain distributed network arrangement system for facilitating a tiered dedicated block chain configuration to provide differing combinations of functions and levels of security. The system may identify factors within received information that indicate which dedicated block chain network should be used to record the received information. The dedicated block chains may be tiered based on the importance of the received information or a customer service level of a party associated with the received information. The system allows for recording of the received information in a distinct, dedicated block chain network that is appropriately configured for the functionality and/or security requirements of the received information.

Abstract: Disclosed herein are methods, systems, and apparatus, including computer programs encoded on computer storage media, for storing blockchain data. One of the methods includes receiving a plurality of blocks from a blockchain node in the blockchain network; for each of the plurality of blocks: determining a first number of blockchain nodes that store a dataset divided from an error correction coding (ECC) encoded version of the block and a second number of blockchain nodes that store a dataset comprised of redundant bits divided from the ECC encoded version of the block; calculating a priority value of the block based on the first number and the second number; and encoding at least a portion of the plurality of blocks using ECC to generate a plurality of encoded blocks based on the priority value.

Abstract: A method, a device, and a non-transitory storage medium are described in which a rehearsal network service is provided that enables generalized learning for all types of input patterns ranging from one-shot inputs to a large set of inputs. The rehearsal network service includes using biological memory indicator data relating to a user and the input data. The rehearsal network service includes calculating a normalized effective salience for each input data, and generating a new set of input data in which the inclusion of input data is proportional to its normalization effective salience. The rehearsal network service further includes augmenting the new set of input data using perturbation values. The rehearsal network service provides the new set of input data to a learning network, such as a neural network or a deep learning network that can learn the user's taste or preference.

Abstract: Secure electronic payment is disclosed as it may be implemented for a point of sale machine such as but not limited to, vending machines/devices, parking devices/facilities, and laundry machines/facilities. An example secure electronic payment system includes a remote payment processor to confirm payment for a transaction at a point of sale device and issue a token to a mobile device for completing the transaction. A wireless interface module at the point of sale device is configured to receive the token from the mobile device for the transaction via a wireless communications protocol. A token processing module at the point of sale device confirms validity of the token. A transaction processing module negotiates the transaction at the point of sale device by actuating the point of sale device.

Abstract: In some embodiments, a verification system includes a memory storing a common identifier that identifies a user. The system may also include one or more hardware processors coupled to the memory and configured to read instructions from the memory to perform the steps of: receiving a token associated with a request to complete a transaction with an environment; determining the common identifier associated with the token, the common identifier being associated with an identifier of the merchant, an identifier of the user requesting the transaction, and a funding instrument associated with the user; and determining, based on information associated with the common identifier, whether to approve the transaction.

Abstract: This invention relates generally to methods and apparatus for providing secure services using a mobile device, and in particular for securely making transactions, such as payments, using mobile phones and smartphones.

Abstract: Methods and systems enable merchants to accept payments through a service provider from a consumer using an app on a mobile device, for example, without redirecting the consumer to the service provider and without collecting the customer's service provider password (a separate PIN may be used). An example of an app on a mobile device is given, but secure payments are also enabled for purchases and other transactions for a website, a merchant, or a service provider who needs to accept payments from customers. A two-key approach allows a merchant, using the two keys—a collection key for merchant apps and general servers and a private, more secure, charge key for merchant “back-end” systems—to collect a user's username and personal identification number (PIN) for acquiring payments through a service provider without compromising the user's service provider username and password (the PIN is distinct from the password).

Abstract: Methods, apparatus, and processor-readable storage media for detecting cashback and other related reimbursement frauds are provided herein.

Abstract: Various embodiments include a method of facilitating identity information exchange in a cryptocurrency transaction. An information compliance computer system can receive a pending cryptocurrency transaction from a transmitter wallet service system for managing one or more user wallet accounts, each associated with one or more cryptographically verifiable addresses in a cryptocurrency exchange network. The information compliance computer system can identify a recipient wallet service system associated with a destination address indicated by the pending cryptocurrency transaction. Information compliance computer system can exchange identity information between the transmitter wallet service system and the recipient wallet service system. The information compliance computer system can publish the pending cryptocurrency transaction to the cryptocurrency exchange network for inclusion into a block chain of the cryptocurrency network.

Abstract: A multi-asset blockchain network platform is disclosed for defining a plurality of different assets, the plurality of different assets including at least a first digital asset of a first asset type and second asset of a second asset type, each of the first and second asset types including a respective asset identifier corresponding to a respective issuance program defining rules for issuing units of the respective asset on a blockchain. A plurality of accounts are created, the plurality of accounts including at least a first account and a second account. Asset units of the first digital asset are issued to the first account. Asset units of the second asset are issued to the first account. The asset units of the first digital asset are spent from the first account. The asset units of the first digital asset are retired.

Abstract: Cryptocurrency can be stored in a plurality of cryptocurrency wallets associated with a plurality of respective users and managed by establishing a unit cost basis value for each cryptocurrency unit in a fiat currency. For example, a purchase request is received by a server computer from a user device. The purchase request is associated with a merchant to be paid in a cryptocurrency chosen by a user and stored in a cryptocurrency wallet of the user. A cryptocurrency exchange from multiple cryptocurrency exchanges having the best cryptocurrency exchange rate is identified for converting the chosen cryptocurrency to the fiat currency. A gain for the purchase transaction is calculated when the best cryptocurrency exchange rate is greater than the unit cost basis value of the chosen cryptocurrency stored in the cryptocurrency wallet of the user. The fiat currency converted in the identified cryptocurrency exchange is received from the cryptocurrency exchange to pay the merchant.