Abstract: The present specification provides a blockchain-based offline resource transfer method and apparatus. A transferor terminal and a receiver terminal of offline resource transfer include multiple execution environments. Multiple computing nodes constructed based on the execution environments further constitute an offline blockchain network as blockchain nodes.

Abstract: A method of a payment for an Internet of Things (IoT) device is provided. The method includes steps of: a payment supporting server (a) on condition that the payment supporting server has registered certificates of the IoT device, a service providing device, and a digital wallet in a first blockchain, manages their transaction IDs, has registered a representative hash value in a second blockchain, manages their transaction IDs, and manages link information between the IoT device and the digital wallet, confirming validity of a billing transaction, and (b) acquiring identification information on the digital wallet; and (c) paying the billing detail using the digital wallet, registering its payment result in the first blockchain, registering in the second blockchain, if one anchoring condition is satisfied, a first representative hash value, and transmitting the payment result to the service providing device, the IoT device, and the digital wallet.

Abstract: A system including a data storage server, a service provider's server, and a gateway including a transceiver configured to operate at a power level below 5.0 mW, the data storage server generates first tokens, receives a registration from the service provider's server, and issues first tokens to the service provider's server, and receives a first token from the service provider's server. The data storage server receives sensor data from the gateway, the gateway executes the application to receive the sensor data from sensors, and the data storage server issues second tokens to the gateway after receiving the sensor data from the gateway and stores the received sensor data on the data storage or service provider's server.

Abstract: Aspects described herein may relate to methods, systems, and apparatuses for applying machine learning techniques as part of registering, for a user, a payment card with at least one account of a merchant. The machine learning technique may be an unsupervised learning classifier that is configured to determine classifications of merchant groups and/or user groups. Based on a classification, the user may be able to select which merchants to register the payment card. Based on the selection, the payment card may be registered with the user's account at the selected merchants. Further, the registration may be performed based on virtual payment card information configured for use with the merchant. The virtual payment card information may be configured to initiate transactions only with the merchant.

Abstract: Methods, apparatus and computer software are provided for authorizing an EMV transaction between a user device and a point of sale terminal, particularly, but not exclusively, in situations where a secure element is not made available for the deployment of a payment application on the user device. The payment application is instead deployed to a processing environment that is outside of any secure element on the user device. The payment application is associated with a certificate and a corresponding hash. The hash is adapted to be generated on the basis of an application expiration date parameter, which is adapted to comprise data indicative of an expiration date of day level granularity associated with the certificate. During processing of the EMV transaction, the point-of-sale terminal verifies the hash, thereby establishing the authenticity of the application expiration date, and hence the validity of the certificate.

Abstract: A novel architecture for a infinitely scalable cryptocurrency system is disclosed in the form of multilevel tree hierarchy of blockchains, where the hash for each block in each blockchain is not only passed to the next block in that blockchain, but is also passed to at least one other blockchain on another level to be included in its own hashes, such that no change can be made in any of the blockchains in the hierarchy without recomputing them all. To facilitate maintaining these multiple levels of blockchains, a novel proof of connectivity lottery method is disclosed whereby all active devices connected online associated with a particular blockchain exchange messages where a hash that cannot be controlled by any particular device determines the winner of the lottery.

Abstract: An apparatus in one embodiment comprises a processing platform having at least one processing device. The processing platform implements a trusted bridge configured for at least temporary coupling between one or more data sources and a smart contract program of a blockchain. The trusted bridge comprises a secure enclave component and a relay component. Data obtained from a given one of the data sources via the relay component of the trusted bridge is authenticated in the secure enclave component of the trusted bridge. Information based at least in part on the data authenticated in the secure enclave component of the trusted bridge is provided to the smart contract program of the blockchain via the relay component of the trusted bridge. The secure enclave component illustratively receives a request for authenticated data from the blockchain smart contract program via the relay component, and responds to the request via the relay component.

Abstract: A system and method for authenticating a location of a payment acceptance device is provided. The method comprises receiving a transaction request comprising merchant data, the merchant data identifying the payment acceptance device and location information identifying a location at which the transaction request is initiated; retrieving, from a database, a payment acceptance device identifier based on the merchant data, the payment acceptance device identifier identifying a location at which the payment acceptance device is registered; authenticating the location of the payment acceptance device by comparing the location information and the location identified by the payment acceptance device identifier.

Abstract: Techniques, devices, and systems for performing actions, within an application provided by a service provider, without additional authorization requests are described. An example process includes receiving an access request to access an application on a user device, and presenting an interactive element via a user interface of the application, wherein the interactive element, when selected, causes a website of a merchant to load to an in-app browser within the application. The example process further includes receiving, via the in-app browser, a payment request to initiate a payment to the merchant from an account associated with the application, determining, based at least in part on the payment request, that the payment request originated from within the application, and based at least in part on the determining, causing the payment to be authorized without additional input from a user associated with the user device.

Abstract: A method, computer system, and a computer program product for managing digital currency is provided. The present invention may include initializing a digital wallet. The present invention may include receiving one or more digital currencies. The present invention may include performing one or more transactions using the one or more digital currencies, wherein each of the one or more transactions has a hash value recorded on a local ledger maintained on the digital wallet. The present invention may include broadcasting the local ledger to a shared ledger maintained by a fund source. The present invention may include synchronizing the digital wallet with the found source by releasing a value held in suspense based on a total value of the one or more digital currencies remaining on the digital wallet.

Abstract: Systems and methods for P2P transaction functionality include payment collection from a third party source. A system includes at least one processor and a storage medium storing instructions that, when executed by the one or more processors, cause the at least one processor to perform operations including receiving transaction information from a vendor where a card was used and analyzing the transaction information. The operations also include sending one or more requests for repayment to one or more P2P service systems, receiving repayment information, regarding one or more repayments, from the one or more P2P service systems and, based on the repayment information, applying the one or more repayments to the transaction performed on the card.

Abstract: Technologies are shown for controlling a transaction on a digitally stored blockchain by creating a contract data block for a transaction involving entities and by event code executed after receipt of digital signatures from the entities. A refund transaction may be digitally signed by entities and linked to the contract block within the blockchain. A payment transaction block may also be digitally signed by entities and linked to the contract block. Code authorized to execute by the blocks executes based on receipt of digital signature events.

Abstract: An artwork transaction method, an artwork transaction apparatus, and a program therefor are provided, which allow for secure transaction of artwork on a network using computers. The artwork transaction method includes using a computer to receive the artwork and biometric signature data. The artwork transaction method includes using the computer to issue, to a contract account on a blockchain network, an exhibition transaction that includes information used for identifying the artwork and includes the biometric signature data.

Abstract: In a method for activating account-variable transaction cards having private and public card encryption keys stored therein, private and public personal keys are associated with an account and transmitted to an account holder device. A request for activation of an account-variable transaction card is received by a central processor from the user device. The request includes information encrypted using at least the private personal key and the private card key. The central processor associates an account function with the account-variable transaction card and initiates via a first node in a distributed consensus network, an account blockchain associated with the account and the account-variable transaction card.

Abstract: Systems and methods for transferring between accounts in the absence of sensitive information needed to perform a direct transfer between accounts are described herein. In an embodiment, an intermediary system receives a request to perform a digital electronic transfer of an item from a first online account to a second online account through the intermediary system, wherein the intermediary system does not have access to the sensitive information for either the first online account or the second online account.

Abstract: A method and apparatus for processing secure transactions of a requested service at a merchant point of sale (POS) using a customer mobile device and a virtual payment gateway (VPG) server, the method comprising an authentication and a transaction. The activation establishes a mobile device transport key (mTK) at the mobile device and a server, and assigns a mobile application identifier (MAID) to a mobile application of the mobile device. The transaction is based on generating a mobile device transport session key (msTK) derived from a server generated session ID and the mobile device transport key (mTK) generated during activation. The transaction of the requested service is initiated by the customer mobile device and is processed without storing confidential data such as financial account data or financial account identification data at the POS and/or the customer mobile.

Abstract: Techniques and systems described below relate to systems and methods to access and store blockchain data. In various examples, a client computer system submits a blockchain-agnostic request to a computing resource service provider and the service provider processes the request. The chain-agnostic request may be a request that is interoperable between multiple blockchain protocols, such that, for a given request, the request can be fulfilled using multiple underlying blockchain technologies. A computing resource service provider may receive and process chain-agnostic requests by decoding or otherwise interpreting the requests and routing the requests for fulfillment using one or more chain adapters that are accessible to the computing resource service provider. The service provider may determine metadata associated with the request and determining how to fulfill the request, which may include accessing computing resources of the computing resource service provider and/or the associated blockchain network.

Abstract: An authorization system includes a database, and at least one computer server in communication with the database. The database includes a plurality of database records, each including an account number and an associated card number. Each card number has fewer digits than the associated account number. The server is configured to receive, from a communications terminal, a request message that initiates a transaction with the server. The server is configured to request an authentication credential from the terminal, and in the database locate the card number that matches the received authentication credential and locate the account number that is associated with the located card number. The server is configured to request authorization of a test transaction using the account number, receive an authorization response confirming authorization of the test transaction, and authorize the initiated transaction in response to the authorization response. The test transaction is different from the initiated transaction.

Abstract: A point-of-sale (POS) system used in performing a POS transaction between a merchant and a consumer. The POS system includes a display having a touch panel, a main processor and a memory device. The POS system also includes a secure enclave with a secure processor and a microcontroller. The main processor is configured to display a series of screens to guide a consumer through the POS transaction. The microcontroller provides the inputs from the touch panel to the main processor when the POS system is operated in a pass-through mode and provides the inputs from the touch panel to the secure processor when the POS system is operated in a secure touch mode.

Abstract: Aspects of the disclosure relate to computing platforms that utilize third party data for customized output generation. A computing platform may receive encrypted data corresponding to a travel history. The computing platform may decrypt a portion of the encrypted data, resulting in first decrypted travel history data. The computing platform may direct a user device to display the first decrypted travel history data, along with a first option to continue decrypting a subsequent portion of the encrypted data and a second option to delete the first decrypted travel history data. After receiving a selection of the first option, the computing platform may decrypt the subsequent portion of the encrypted data. After determining that the encrypted data is fully decrypted, the computing platform may process the decrypted data to generate a customized product output, and may direct the user device to display the customized product output.