Abstract: A computer can monitor network traffic on a blockchain computing network. The computer can determine a current level of network congestion on the blockchain computing network. The computer can execute a first machine learning model that predicts a timeseries of future transaction costs based on historical data and the current level network congestion level of the blockchain computing network. The computer can also execute a second machine learning model to predict a timeseries of future transaction sizes and UTXO types for the distributed ledger-based account based on historical transaction data. The computer can select one or more UTXOs to use to complete the transaction of the transaction request. The computer can append a block instance containing an identification of the selected one or more UTXOs to the blockchain to complete the transaction.

Abstract: A method for authenticating at least one piece of data during a payment transaction taking place between a merchant's communications terminal and a user device of the type including transmission, by the communications terminal, of at least one piece of data to be signed, to the user device by using a near field communications wireless data link. The method includes: obtaining the piece of data to be signed; obtaining an identifier of the communications terminal; signing, within a secured processing unit of the communications terminal, by using a key of the communications terminal, the piece of data to be signed and the identifier of the communications terminal, delivering signed pieces of data; transmission of the signed pieces of data to the user device; and reception, from the user device, of a piece of encrypted data establishing the authentication of the signed pieces of data.

Abstract: Systems and methods for effecting secure transactions are described. A processing device, when executing computer-executable instructions: receives from a requesting entity computing system a transaction request for a payload. The transaction request is transmitted to delivery entity computing system associated with a delivery entity identifier and geographic location. An encryption key, random number and a unique request identifier are generated and transmitted to requesting and delivery entity computing systems. In response to receiving a delivery transaction confirmation from the delivery entity computing system, the processing device verifies the secure transaction. After receiving a requestor transaction confirmation from the requesting entity computing system (indicating a verified transfer of the payload), a payload reimbursement is transferred to a delivery transaction account from a requestor transaction account.

Abstract: Methods and apparatus, including computer program products, are provided for express voting. In some example embodiments, there is provided a method for express voting. The method may include authenticating a voter based on a token carried by a user equipment, the token mapped to at least one of an identity of the voter, a precinct of the voter, and a ballot for the voter; and providing, when the authenticating indicates the voter is authorized to vote, the ballot presented on the user equipment. Related systems, methods, and articles of manufacture are also disclosed.

Abstract: In some examples, an electronic device includes sensor circuitry and token circuitry. The sensor circuitry may capture sensor data and the contract token circuitry may generate a contract acceptance token including an acceptance indication and sensor data captured by the sensor circuitry. The token circuitry may send the contract acceptance token including the sensor data to a different electronic device.

Abstract: A system and/or method may be provided to silently authenticate a user. An example method of silently authenticating a user includes receiving a request to complete a transaction associated with a merchant application. The request includes a data file including an identifier from the user device. The request is from a user device. The method also includes determining whether the data file includes a refresh token and determining whether the refresh token is valid if the data file includes the refresh token. The method further includes receiving an access token from the user device if the refresh token is valid. The access token includes an authorization scope. The method also includes determining whether the transaction is within the authorization scope. The method further includes authenticating a user if the transaction is within the authorization scope.

Abstract: Systems, as described herein, may use smart contracts and distributed ledgers in distributed networks to determine points earned by consumer and settle points for merchants. Distributed ledgers in the distributed network may be used to store transactions executed by merchant digital wallets and consumer digital wallet. Smart contracts in distributed networks may be used to maintain point balances associated with the consumer digital wallets and the merchant digital wallets of the consumer, determine points earned by consumer digital wallets, settle points for merchant digital wallets, and send messages to consumer digital wallets regarding expiring points. Systems, as described herein, may also send individualized recommendations of goods and services to the consumer digital wallets.

Abstract: A method for securing an interblockchain transaction includes receiving, from a first user application, a registration request including a first permissioned blockchain public key and a first permissionless blockchain public key. The method also includes performing, by the processing circuitry, receiving, from a second user application, a second registration request including a second permissioned blockchain public key and a second permissionless blockchain public key. The permissioned blockchain public keys are valid on the permissioned blockchain and the permissionless blockchain public keys are valid on the permissionless public blockchain. In addition, the method includes receiving, from the first user application, a transaction identification, the transaction identification identifying a first transfer transaction executed on the permissionless public blockchain. The transaction identification identifies the first and second permissionless blockchain public keys.

Abstract: A computer-implemented method for seamlessly processing transactions using distributed ledger technology. The method may comprise: linking one or more conventional accounts hosted in a conventional banking infrastructure to one or more DLT-based client accounts hosted on a distributed ledger, wherein the DLT application comprises a routing address configured to be used in conventional transaction infrastructure using conventional communication protocols; storing one or more wallet identifications for the one or more DLT-based client accounts and a mapping of the one or more wallet identifications to the one or more conventional accounts hosted in the conventional banking infrastructure; exchanging a sequence of messages to execute an asset transfer and complete a transaction lifecycle, the sequence of messages based on the first asset type; updating the distributed ledger based on the asset transfer; and sending appropriate messages to clients.

Abstract: Embodiments are provided for verifying physical proximity of counterparties in digital asset transfers. A sender device receives a recipient hash and a recipient address are received, where recipient hash is generated by the recipient device based on each of the associated recipient address and a first set of location parameters. The sender device obtains a second set of location parameters that corresponds to a detected physical location thereof. The sender device employs the obtained second set of location parameters to decipher the recipient hash, and generates a request to transfer a digital token from a sender address associated with the sender device to the recipient address based on a determination that the deciphered recipient hash corresponds to the received recipient address.

Abstract: The method of the invention comprises: an identification step (E30-E50) of identifying the user of the mobile terminal; a generation step, triggered if identification is successful, of a secure element of the terminal generating (E70) at least one identification value for the terminal by using a first secret key shared between the secure element and a token service provider device; a sending step (E100) of sending a request to the token service provider device to obtain at least one security token, the request including said at least one identification value for the terminal; and a reception step (F90) of receiving from the token service provider device said at least one security token in encrypted form, each security token being associated with a random number generated by the token service provider device and being encrypted by means of an encryption key generated for that token from the random number and from a second secret key shared between the token service provider device and the secure element of th

Abstract: A validation terminal located at a registered location comprises a barcode reader, a memory, and a processor. The memory stores a public key that is paired with a private key linked with the registered location of the validation terminal. The processor is operably coupled to the barcode reader and the memory, and is configured to detect an encrypted barcode that was scanned by the barcode reader from a mobile device that is located at the registered location of the validation terminal. The encrypted barcode is based at least in part upon transaction information associated with products in a digital cart, and the encrypted barcode is encrypted using the private key. The processor is further configured to decrypt the encrypted barcode using the stored public key, and to indicate the transaction is valid in response to decrypting the encrypted barcode using the public key.

Abstract: The disclosed embodiments provide a distributed transaction system including a group of validator nodes that are known to each other in a network but are indistinguishable to other network nodes. The validator nodes form a Committee including a Leader node and one or more Associate nodes configured to receive and process transaction requests and candidate requests, for example, to add new blocks to one or more blockchains. The Committee may be dynamically changed, such that new network nodes may be added to the Committee or may replace existing validator nodes. The Associate nodes also may coordinate with each other to select a new Leader node. The system may allow multiple request-fulfillment process to run simultaneously, thereby enhance the efficiency of the system.

Abstract: A system for authorizing an external device to access computerized records. The system includes a server. The server includes a computerized records data-store. The computerized records data-store stores multiple computer executable files associated with subjects. The system includes a communication network which facilitates communication between at least two of the subjects, the server, and the external device. The system includes a contextual authorization device for authorizing access to the external device for the computerized records. The contextual authorization device includes a database storing a set of custom rules. The contextual authorization device further includes a Global Positioning System-based tracking device, a credentialing engine, and a user behavior analytics engine. The contextual authorization device further includes an access module to process authorization of the external device for access of the computerized records.

Abstract: A decentralized hybrid system for collecting, storing, and managing sensitive data, such as medical record data. Data is stored as multiple atomic records in a centralized database. A non-fungible token (NFT) is associated with each data record and assigned to a cryptographic wallet of a party owning the data in the data record on a blockchain ledger. A user key based on the wallet is stored in a centralized user database to identify the data owner to the system. Ownership tokens are granted for each data record and distributed to parties have an ownership interest in proceeds from the sale of data. When data is purchased, the proceeds are distributed, pro rata, based on the ownership tokens.

Abstract: A payment system implemented on a mobile device authenticates transactions made via the mobile device. The mobile device generates a public-private key pair and receives an authenticating input from a user of the device. The public key is sent to a secure payment system, and the authenticating input is used to generate a symmetric key that encrypts the private key. After a transaction is initiated, the mobile device receives an authenticating input from the user. The symmetric key is generated from the authenticating input and the mobile device attempts to decrypt the private key from the encrypted private key using the symmetric key generated by the user's input. The decrypted key is used to sign a transaction authorization message which is sent to the secure payment system, along with payment information, which can verify the signed message via the public key. Additional techniques related to secure payments are also disclosed.

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 processing to confirm payment for a transaction at a point of sale device. The point of sale device is configured to receive a token from the mobile device for the transaction. A token processing module at the point of sale device confirms validity of the token. A transaction processing module executes the transaction at the point of sale device.

Abstract: Systems and methods for secure purchasing are provided in which, at a merchant device, an invoice is generated comprising a remittance amount and a merchant identification. The invoice is associated with an invoice identification. The invoice is transmitted to a remote invoice database. At a consumer device, the invoice identification is received. A request that includes the invoice identification is transmitted to the invoice database. Information about the invoice is received from the invoice database including the remittance amount and merchant identification. The remittance amount, merchant identification, and a prompt to confirm the invoice are displayed. Responsive to receiving approval from the consumer, the invoice is transmitted to a remote account database comprising an account corresponding to the consumer. At a device associated with the remote account database, after receiving the approval of the invoice from the consumer device, the amount of the invoice is remitted to the merchant.

Abstract: Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.

Abstract: Described herein are systems and methods for virtualizing policy enforcement amongst participants of an overlay network. In some embodiments, each of the participants may maintain a separate blockchain network. The overlay network may receive smart contracts or other policy documents that include information on interactions with a particular participant or between participants. A controller, which may be implemented on any node of the overlay network, may then extract an interaction algorithm from that smart contract that may be stored in policy data to be used in completing transactions between two participants of the overlay network. In some embodiments, the policy data may include cost data which may be used to determine how two entities may interact.