Abstract: Digital or “smart” contracts execute in a blockchain environment. Any entity (whether public or private) may specify a digital contract via a contract identifier in a blockchain. Because there may be many digital contracts offered as virtual services, the contract identifier uniquely identifies a particular digital contract offered by a virtual machine, vendor or supplier. The blockchain is thus not burdened with the programming code that is required to execute the digital contract. The blockchain need only include or specify the contract identifier (and perhaps one or more contractual parameters), thus greatly simplifying the blockchain and reducing its size (in bytes) and processing requirements.

Abstract: In an example embodiment, information about one or more failed payment attempts via an electronic payment processing system is obtained. One or more features are extracted from the information. Then, for each of a plurality of potential candidate retry time points, the one or more features and the potential candidate retry time point are fed into a dunning model, the dunning model trained via a machine-learning algorithm to produce a dunning score indicative of a likelihood that a retry attempt at an input retry time point will result in a successful payment processing. The dunning scores for the plurality of potential candidate retry time points are used to select a desired retry time point. Then the electronic payment processing system is caused to attempt to reprocess a payment associated with one of the failed payment attempts at a time matching the desired retry time point.

Abstract: Payment tokens designed for display on a consumer's mobile device include dynamic trust data (e.g., transaction history and/or token generation date) along with financial account information, enabling merchants to make an informed decision about whether to accept payment without communication with the central processing system, and also protecting the consumer's account information from theft.

Abstract: A computer system receives an indication from a user that the user wishes to perform a mobile wallet transaction to transfer funds to a recipient using a mobile device. The transaction is authenticated by the computer system. The authentication includes receiving login credentials manually entered by the user and determining that the login credentials match stored login credentials for the user. The authentication further includes determining that the mobile device has a device token stored thereon that matches a device token stored in a database of the computer system. The device token uniquely identifies the mobile device in the computer system. The authentication further includes determining that the mobile device has a customer token stored thereon that matches the customer token stored in the database. The customer token uniquely identifying the customer in the computer system. The computer system transmits the funds to the recipient responsive to the authenticating step.

Abstract: A system and method for verifying account ownership using verified deposits. An ACH verification platform may recognize or detect a verification process involving microdeposits. A verification platform may receive and store user login, initiate the deposits, and monitor the user's account to verify that posting of the deposits was successful. In embodiments, a dedicated web form or portal may be provided for receiving verification information.

Abstract: Systems and methods for providing risk determination in a crypto currency transaction include receiving, through a network via a broadcast by a first payer device, a first crypto currency transaction that includes a first payee public address. A first request for a determination of risk associated with the first crypto currency transaction is then identified in the first crypto currency transaction, with the first request including risk criteria. A first payee involved in the first crypto currency transaction is then identified using the first payee public address, and first payee risk information is accessed via at least one external risk information database based on the identification of the first payee. If it is determined that the first payee risk information satisfies the at least one risk criteria in the first request, the first crypto currency transaction is provided for addition to a block in a crypto currency public ledger.

Abstract: There are provided systems and methods for a payment information autofill mechanism that links a browser application with a user account such that a payment page at the browser application can be automatically filled based on the link. Specifically, the autofill mechanism establishes a link between a browser application running on a user device and a user account associated with the user that is stored at the server. When the user engages with the browser application to conduct a transaction on a merchant website, an application programming interface (API) call can be made to retrieve user virtual card information for automatically populating the payment data fields at the transaction page.

Abstract: Methods and apparatus for pre-scaling media content to facilitate audience measurement are disclosed. An example method includes encoding a media content sample in accordance with a first encoding configuration and playing the encoded sample. The example method also includes attempting to detect the codes in the sample, and computing a ratio between the codes encoded in the sample and the codes detected when the sample is played.

Abstract: The methods described herein are configured to obtain a first record pattern associated with the unidentified entity and select a second record pattern associated with an entity identifier of a known entity. Based on the first record pattern matching the second record pattern, the entity identifier of the known entity is associated to the unidentified entity to indicate that the unidentified entity and the known entity are the same. Determining the entity identifier of the unidentified entity enables the linking of separate identifier systems of data structures to facilitate communication and/or interaction between the data structures.

Abstract: Systems and methods for authentication may include an authentication server. The authentication server may include a processor and a memory. The processor may be configured to receive a cryptogram associated with a first near field communication data exchange format (NDEF) read. The processor may be configured to perform a first factor authentication of the cryptogram. The processor may be configured to receive a first data set, wherein the first data set is associated with a second NDEF read. The processor may be configured to extract metadata from the first data set. The processor may be configured to perform, after the first factor authentication, a second factor authentication based on the metadata. The processor may be configured to generate a message indicative of an outcome of the second factor authentication. The processor may be configured to transmit the message that instructs the processor to effectuate one or more actions.

Abstract: A system and method for implementation of transaction security on a distributed ledger-based Mobility-as-a-Service (MaaS) platform is provided. The system includes a message broker device which receives a transaction request associated with a transport service from a publisher node of a transportation provider. The message broker device routes, via an API gateway hosted on the message broker device, the transaction request to a subscriber node of the transportation provider. The API gateway validates the transaction request based on application of a set of security rules on the transaction request. The subscriber node is associated with a first node of a distributed ledger node that stores a first state object. The first state object includes transaction data associated with the transport service. The distributed ledger node receives the validated first transaction request from the API gateway, via the subscriber node and updates the transaction data based on the received transaction request.

Abstract: The invention relates to a method for producing a cryptographically signed transaction for the transfer of an amount of a currency within a blockchain. The transaction comprises one or more inputs and one or more outputs. The method comprises: retrieving the one or more inputs, the inputs being a reference to one or more previous transactions, determining the one or more outputs, each output defining an amount to be transferred to a receiver indicated in the respective output, adding security information, the security information defining directly or indirectly a maximum amount to be spent with the transaction, and cryptographically signing the transaction by adding signature information.

Abstract: Example systems and methods for dynamic identity decisioning include: receiving a request, from a third-party server, to confirm an identity of a user attempting a transaction through a third-party website displayed in a first application window on a user device of the user; causing the user device to display a second application window for presenting an identity decisioning application and at least partially overlapping the first window; assessing a risk level associated with the transaction based on identity verification data retrieved from the user device; and if the risk level exceeds a predetermined threshold, selecting at least one identity authentication exam for presentation to the user via the second window, determining an outcome of the at least one identity authentication exam based on a user response thereto, and determining an identity decisioning result based on the outcome; and presenting the result to the user via the second application window.

Abstract: A dispute resolution cryptocurrency sidechain system includes a system provider that determines that a transaction amount for a transaction has been received at a first public ledger address on a public ledger from a second public ledger address and, in response, allocates a sidechain address on a dispute resolution sidechain ledger. The system provider then sends, through a network to a payer and a payee involved in the transaction, the sidechain address, and monitors the sidechain address for dispute communications. Based on detecting a first dispute communication that is received at the sidechain address and that is signed using a private key that identifies the payer, the system provider device causes a portion of the transaction amount that was received at the first public ledger address to be sent to the second public ledger address.

Abstract: An example operation may include one or more of constructing a transaction proposal and sending the constructed transaction proposal to a plurality of endorsing nodes, by a client application of a computing system, wherein inputs to the transaction proposal are named using a blockchain naming system (BNS), receiving a set of transaction responses from the plurality of endorsing nodes, by the client application of the computing system, the transaction responses each comprising a transaction validation function, assembling the received transaction responses into a transaction, by the client application of the computing system, and sending the transaction to an orderer node for distribution, by the client application of the computing system.

Abstract: Some examples of the present disclosure relate to generating artificially intelligent entities represented on a blockchain using a non-fungible token (NFT). In one such example, a system can generate an NFT on a blockchain. The NFT can represent an artificially intelligent entity. The system can also generate a personality dataset on the blockchain, the personality dataset describing personality characteristics of the artificially intelligent entity. The system can then correlate the NFT to the personality dataset, thereby assigning the personality characteristics to the artificially intelligent entity. Once generated, the artificially intelligent entity may reside in a virtual ecosystem in which it can perform tasks and learn over time.

Abstract: A method for issuing authentication information is provided. The method includes steps of: (a) a managing server, if identification information of a specific user is acquired from a user device in response to a request for issuing the authentication information and the identification information is determined to be registered, creating a transaction whose output includes: (i) the specific user's public key and (ii) a hash value of the identification information or its processed value to thereby record or support other device to record it on a blockchain; and (b) the managing server acquiring a transaction ID representing location information of the transaction recorded on the blockchain.

Abstract: An encrypted payment message is received from a buyer relating to a transaction with a merchant. The payment message is parsed using a first parsing algorithm to obtain merchant identifying information. The merchant identifying information is associated with at least a second parsing algorithm or at least one settlement algorithm. The payment message is parsed using the second parsing algorithm to obtain payment information for the transaction. A first settlement algorithm is applied to the payment information to determine an adjusted interchange rate. The payment information including the adjusted interchange rate is submitted to a third party settlement processor on behalf of the merchant, using a payment algorithm. A second settlement algorithm applied to the payment information determines a buyer rebate which can be submitted to the settlement processor. A transaction result is reported to at least one of the merchant or the buyer.

Abstract: Embodiments are directed to issuing tokens for identifiers associated with a resource provider account specific to the resource provider issuing the account. A resource provider processor system interfaces with a resource provider computer to validate account eligibility upon receiving a token request message. If the account is eligible for token generation, the resource provider processor system generates a universal identifier corresponding to the identifier associated with the resource provider account and returns the universal identifier to the token requestor. The token requestor may send a token request message to a token issuer for obtaining a token using the universal identifier. Accordingly, the universal account identifier can be used to provision a token into a digital wallet. Transactions using the token may be processed with the resource provider processor system acting as an account issuer.

Abstract: A blockchain agnostic token network is described. In an example, a request to purchase a non-fungible token (NFT) minted on a blockchain from a seller is received. Based at least in part on context data associated with at least one of the user, the seller, or a digital asset associated with the NFT, a plurality of available blockchains is determined for holding the NFT. Information associated with the plurality of blockchains is surfaced and one of the plurality of blockchains is determined for holding the NFT. Based at least in part on the determined blockchain, the NFT is transferred to the determined blockchain and associated with a user account for subsequent viewing.