Abstract: Systems and methods for providing a rewards payment form linked directly to a rewards account are described. The rewards points may be spent directly by the customer through the use of the payment form linked to the rewards account. The payment form may be a payment card (e.g., a physical card having an account number accessible via a magstripe, an EMV chip, etc.) or a virtual payment card loaded into a mobile wallet accessible by the customer. The rewards payment form allows the customer to spend the rewards points stored in the rewards account without first going through the extra step of converting the rewards points into currency.

Abstract: A method for registering a point distributor and information on an exchange rate for providing a united point service is provided. The method includes steps of: a system managing server (a) verifying a registration transaction TrxA and a confirmation transaction TrxB if at least one of conditions is satisfied which include (i) a condition that the TrxA having (i-1) a public key of a point managing server, and (i-2) a first XEA, an exchange rate of a point A managed by the point distributor to a united point, is acquired from a point distributing server, and (ii) a condition that the TrxB having (ii-1) a public key of the point distributing server, and (ii-2) a second XEA, is acquired from the point managing server; and (b) recording it on a certain blockchain database, and acquiring a transaction ID which locates the TrxA, the TrxB on the certain blockchain database.

Abstract: A method of generating a virtual reality payment authentication entry interface includes receiving, over a computer network, a request for payment authorization; identifying a virtual reality interface; generating a plurality of payment authentication characters in the virtual reality interface; receiving user input associated with at least one character of the plurality of payment authentication characters in the virtual reality interface; and generating a payment authorization response to the request for payment authorization based on the received user input.

Abstract: Systems and methods for providing a rewards payment form linked directly to a rewards account are described. The rewards points may be spent directly by the customer through the use of the payment form linked to the rewards account. The payment form may be a payment card (e.g., a physical card having an account number accessible via a magstripe, an EMV chip, etc.) or a virtual payment card loaded into a mobile wallet accessible by the customer. The rewards payment form allows the customer to spend the rewards points stored in the rewards account without first going through the extra step of converting the rewards points into currency.

Abstract: A method for processing a multi-account check includes: receiving a first authorization request including a transaction amount, an account identifier, and a check number; identifying a blockchain associated with the account identifier including a plurality of blocks, each block including a block header and blockchain data values, and a blockchain data value included in one of the blocks including the check number; generating two or more additional authorization requests including a payment amount, an alternate account number, and an alternate check number, where the alternate account number included in each of the additional authorization requests is unique among the additional authorization requests and a total of the payment amount included in the additional authorization requests is based on the transaction amount; and transmitting each of the additional authorization requests to a financial institution associated with the alternate account number included in the respective additional authorization request

Abstract: A method of registering a point distributor and an exchange rate for a united point service is provided. The method includes steps of: a system managing server (a) verifying a registration transaction TrxA or a confirmation transaction TrxB if (i) a condition that the TrxA having a public key of a point managing server, and a first XEA, an exchange rate of a point A of a point distributor to the united point, is acquired from a point distributing server, or (ii) a condition that the TrxB having a public key of the point distributing server and a second XEA is acquired from the point managing server, is satisfied; and (b) if the TrxA or the TrxB is valid, (i) recording it on a blockchain database, (ii) initializing a balance database by updating a balance of the point distributor, and (iii) acquiring a transaction ID of the TrxA, the TrxB.

Abstract: The invention relates to a method for securing a contactless service transaction, said service (11) being stored in the mobile terminal (10), said transaction involving the mobile terminal, a contactless reader (12) and a remote server (13), said server storing at least one piece of data and/or sensitive function of the service, said terminal comprising a security module (14), said method being characterised in that the terminal also stores a contactless security application (15) and that it comprises: receiving (E41) a first value (?) for determining a session key; receiving (E49) a second value for determining a session key (?) and a first one-time password (OTPin); sending (E58) the second value for determining a session key and a message (MAC) for authenticating at least the first password, intended for being verified by the reader, said first and second determination values being used to calculate (E50, E61) a session key (Ksess) intended for being used to secure the exchanges.

Abstract: A blockchain asset that is transferred from a second blockchain member is received at a first blockchain member in response to an asset transfer request for transferring an asset between a payer and a payee, where the first blockchain member and the second blockchain member associated with a blockchain. In response to receiving the blockchain asset, an off-chain asset transfer-out operation for the payee is performed by the first blockchain member. If the off-chain asset transfer-out operation fails, a transaction reversal application for an asset transfer transaction corresponding to the asset transfer request is written into the blockchain by the first blockchain member. In response to writing the transaction reversal application, an asset clearing with the second blockchain member for an off-chain asset corresponding to the off-chain asset transfer-out operation is performed by the first blockchain member.

Abstract: This specification describes techniques for executing services. One example method includes receiving, by a service platform, a qualification acquisition request from a first end-user device of several end-user devices that participate in a service qualification activity corresponding to a service; returning a qualification acquisition rule and a result generation rule that are based on the qualification acquisition request to the first end-user device to enable the first end-user device to generate a to-be-verified result corresponding to the result generation rule; in response to a determination that the service satisfies the predetermined condition, obtaining the blockchain corresponding to the service from at least one end-user device of the plurality of end-user devices; selecting, from the blockchain, at least one block that satisfies the qualification acquisition rule; and executing the service for a user that corresponds to a user identifier included in the at least one block.

Abstract: A method for generation of an application cryptogram for use in a payment transaction includes: storing, in a first memory, a single use key associated with a transaction account; electronically transmitting the single use key to a processing server; receiving an encrypted session key and a server encryption key from the processing server; executing a first query to store the encrypted session key in the first memory and a second query to store the server encryption key in a second memory; decrypting the encrypted session key using the server encryption key; generating an application cryptogram based on the decrypted session key; and electronically transmitting the generated application cryptogram for use in a payment transaction.

Abstract: A system and method are described that enables mobile devices (e.g. including but not limited to a mobile phone or the like), to intercept and respond to contactless card authentication requests, allowing mobile devices to be used in place of contactless cards. Enabling mobile phone devices to emulate contactless cards decreases issues related to lost or damaged cards, enabling a single device to be used to provide tokens related to multiple different contactless cards, and leverages functionality of the mobile device to provide dual-factor authentication.

Abstract: Various embodiments are generally directed to NFC-based mobile currency transfers. A mobile payment may be programmatically initialized when at least two mobile devices come into NFC communications range. A payment card associated with an account used to fund the currency transfer may be tapped to one or more of the devices to allow a server to validate the currency transfer.