Abstract: A secure payment agent assist (“SPAA”) feature provides assistance to a contact center agent during a payment transaction, where payment information provided by the remote party is maintained in secure manner, so that the agent is not exposed to the payment information. The agent is assisted by being provided with a pop-up window that allows the agent to invoke a “recollect” and “cancel” function during the transaction. The pop-up window also provide information to the agent making the agent aware of the progress of the transaction as the remote party interacts with an interactive voice response (“IVR”) unit. In other embodiments, a configuration parameter allows the prompts for the payment information to be provided by the agent or the IVR.

Abstract: Methods, apparatus, and storage mediums for displaying a virtual card are provided herein. In one aspect, a method includes acquiring card face display data of a virtual card to be displayed when receiving an interface display instruction, and generating a payment function identification for the virtual card according to a provisioning state of a payment function supported by the virtual card. The method also includes displaying the virtual card according to the card face display data and the payment function identification for the virtual card. In this disclosure, one or more virtual cards can be displayed intuitively according to different payment functions supported by the virtual cards and different provisioning states of the respective payment functions, so that all payment manners supported by the virtual cards are clearly displayed. Thus, a user can be helped and guided to apply for provisioning of corresponding payment functions conveniently.

Abstract: A blockchain-based transaction processing method may comprise: in response to a designated account being logged in through an application client, generating, according to input to-be-operated account information and configured operation content, an operation instruction comprising the to-be-operated account information and the operation content; and sending the operation instruction to a node in a blockchain network, causing the node in the blockchain network to invoke a smart contract corresponding to the designated account upon receiving the operation instruction, and to execute an operation according to the operation content on another account corresponding to the to-be-operated account information.

Abstract: A blockchain-based transaction processing method may comprise: in response to a designated account being logged in through an application client, generating, according to input to-be-operated account information and configured operation content, an operation instruction comprising the to-be-operated account information and the operation content; and sending the operation instruction to a node in a blockchain network, causing the node in the blockchain network to invoke a smart contract corresponding to the designated account upon receiving the operation instruction, and to execute an operation according to the operation content on another account corresponding to the to-be-operated account information.

Abstract: Essentially coincident with the capture of an image by the imaging device, biometric information indicating the identity of the operator of the device is obtained from at least one biometric sensor. The biometric information and captured image are then stored in a manner reliably associating each with the other. At a later time, biometric information is obtained from a supposed operator of the imaging device. By comparing this candidate biometric information with the stored biometric information, the supposed operator may be authenticated as the operator of the imaging device at the time of capture of the stored image.

Abstract: Unlocking digital content embodied in digital readable form on a digital media carrier is described. Unlocking the digital content includes evaluating a code provided by a user scanning a tag attached to a printed, physical copy of the digital content; and if the code corresponds to an authorized code, unlocking the digital content.

Abstract: A configuration system and method is disclosed that includes a unified and integrated configuration that is composed of a payment system, an advertising system, and an identity management system such that the unified system has all of the benefits of the individual systems as well as several additional synergistic benefits. Also described are specific configurations including the system's access point architecture, visual wallet simulator user interface, security architecture, coupon handling as well as the system's structure and means for delivering them as targeted advertising, business card handling, membership card handling for the purposes of login management, receipt handling, and the editors and grammars provided for customizing the different types of objects in the system as well as the creation of new custom objects with custom behaviors. The configurations are operable on-line as well as through physical presence transactions.

Abstract: A technique is provided that transforms account number data received from the consumer into one or more forms based on use by specific processes. Further provided is a technique for establishing payees using these account numbers such that remittances can be routed via the most cost effective means, e.g. which remittance processor is determined and/or which processor among internal processors within an enterprise is determined, and such that, when available, electronic bills can be successfully requested for on-line presentation. The technique to transform account number data can be applied by systems in industries other than banking and for account numbers from sources other than a customer.

Abstract: A system and method is arranged to provide compression and decompression of digital content in a secure manner. The system is configured to authenticate a source of the digital content, and to further determine a consumer's entitlements and rights for access to the digital content. Based upon the determined entitlements and rights for access, the system is directed to decrypt, and decompress the digital content. In one embodiment, a component of the system is enabled to establish a trust relationship with at least one other component of the system, to minimize an opportunity for piracy of the digital content. In another embodiment, a secure clock is directed to provide protection against hackers that may employ an in-circuit emulator, or the like.

Abstract: A method for controlling payment in a communications system including the steps of providing a service accessing a service provider from the or one user device, selecting a product for purchase from the service provider, the service agent receiving a request for payment from the service provider via a payment operator and the service agent issuing a payment authorisation to a payment provider via the payment operator. The service agent is installable in a variety of user devices and provides a uniform interface to the payment system from a plurality of the user devices. The service agent may also provide a uniform interface to an ordering system from a plurality of the user devices.

Abstract: The invention provides a system and method for virtual world biometric analytics through the use of a multimodal biometric analytic wallet. The system includes a virtual biometric wallet comprising a pervasive repository for storing biometric data, the pervasive repository including at least one of a biometric layer, a genomic layer, a health layer, a privacy layer, and a processing layer. The virtual biometric wallet further comprises an analytic environment configured to combine the biometric data from at least one of the biometric layer, the genomic layer, the health layer, the privacy layer, and the processing layer. The virtual biometric wallet also comprises a biometric analytic interface configured to communicate the biometric data to one or more devices within a virtual universe.

Abstract: Embodiments are directed towards protecting against polymorphic cheat codes in a video game environment. A detour analyzer analyzes game code in client memory for possible hooks to parasite code. For each detected hook to parasite code, hook and/or parasite information is determined to generate a hook/parasite signatures, which are sent to a remote network device. Based on the hook/parasite signatures a weighted combination of scores are generated that is useable to determine a probability value that the parasite code is cheat code. If the determined probability value indicates cheat code, the user of the client device may be banned from future game play. Additionally, the hook/parasite signature information may be used to update the data store to detect polymorphic changes in the cheat code.

Abstract: An apparatus, system and method for establishing a transaction between first and second parties including a first signing step in which a transaction message including a request and a transaction identifier is cryptographically signed by the first party to form a first cryptographically signed message. The first signed message is transmitted from the first party to the second party. The second party then cryptographically signs the first message to form a second cryptographically signed message. The second message is also transmitted from one or more of a plurality of parties having the second message to a trusted third party. The trusted third party is able to verify that the second message was cryptographically signed by the second party and can also verify that the first message in the second message was cryptographically signed by the first party.

Abstract: Systems, methods, and program products for providing secure authentication for electronic messages are disclosed. A method may comprise generating an asymmetric private key based at least in part upon an invariant biometric feature vector derived from an input biometric reading. The private key may be further based at least in part upon a user password. The resulting private key may not be stored but rather may be generated when required to authenticate an electronic message, at which time it may be used to provide a digital signature for the electronic message. The private key may be deleted after use. The private key may be regenerated by inputting both a new instance of the biometric reading as well as a new instance of the password.

Abstract: A device management system comprises a processor, a data storage device and a network connection. The data storage device stores weighting data associated with at least one ATM. The processor receives performance metric data from the ATM via the network connection and accesses the weighting data from the data storage device. The processor weights a portion of the performance metric data associated with the ATM with respect to a portion of weighting data associated with the ATM, to produce weighted performance data. The weighted performance data is used in estimating the number of customers unserved during a period of downtime of the ATM.

Abstract: A system and method for facilitating transactions utilizing phrase tokens are provided. Individual entities can be associated with unambiguous transaction phrase tokens, such as multiple word phrases. The transaction phrase tokens are associated with transaction accounts by a service provider such that the entities can complete a transaction without having to exchange transaction account information. In a transaction, a transaction phrase token is offered to an accepting party, which tenders the offered transaction phrase token to the service provider. The service provider processes the offered transaction phrase token according to configuration information specified for the transaction phrase token. The service provider can automatically process the transaction request or request additional information.

Abstract: Described processes include: obtaining a first amount of cryptographic tokens transferred to burn addresses by members of a first set of entities; determining a second amount of instances of the first type of cryptographic token to be minted; determining portions of the second amount of instances of the first type of cryptographic token to be allocated to members of a second set of entities, wherein: the portions are determined based on effects determined to be caused by members of the second set of entities on performance of a computer-implemented network in which both the first set of entities and the second set of entities participate, and the effects on network performance are quantified by metrics reported by members of the first set of entities; appending to the first distributed ledger, records indicating the respective portions are transferred to respective accounts of corresponding members of the second set of entities.

Abstract: An example smart transaction card may include one or more processors to obtain transaction information associated with a transaction at a transaction terminal; provide the transaction information to an electronic wallet device storing a plurality of transaction cards, the electronic wallet device being separate from the smart transaction card; obtain a transaction token from the electronic wallet device based on providing the transaction information to the electronic wallet, the transaction token being associated with one of the transaction cards of the plurality of transaction cards; and provide the transaction token to the transaction terminal associated with the transaction to facilitate processing the transaction.

Abstract: Digital content such as eBooks, music, video, personal files, and so forth stored in cloud storage resources are selectively transferred to an onboard storage device of a conveyance such as an aircraft, train, motorcoach, and so forth. Travelers may access the content from the onboard storage as if the cloud were still accessible.

Abstract: Techniques for routing to content within a mesh network based on a blockchain are provided. An electronic device can receive data from a mesh network to establish the device as a node on the mesh network. The established node can generate a cryptocurrency wallet that can be loaded with an amount of cryptocurrency. A blockchain can store searchable transactions related to content stored within the mesh network. The established node can search the blockchain to locate content and can transmit a request for certain content. The established node may issue a payment to a node hosting the requested content and/or to any intermediate nodes facilitating the established node's access to the content.