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.

Abstract: A system may include a license publishing server, a plurality of licensing servers arranged in a cluster and configured to communicate with the license publishing server to obtain a given number of authorized licenses for virtual computing sessions associated with the cluster, and a plurality of geographically distributed virtualization servers configured to obtain authorized licenses from the plurality of licensing servers and run virtual computing sessions for client computing devices based upon the authorized licenses.

Abstract: A method and a system for providing a financial transaction using an empty card are provided. The method for providing a financial transaction using an empty card includes receiving, by a server, a virtual card number generated by a program included in a user terminal, searching, by the server, for an empty card storage location at which the empty card is registered, in a storage location search algorithm based on the virtual card number, searching, by the server, for a real card number storage space linked to a user identification (UID) assigned to the found empty card storage location, extracting, by the server, a real card number stored in the real card number storage space, and performing, by the server, a financial transaction progress or a financial transaction progress request with the extracted real card number.

Abstract: A method of media content discovery and playback, the method including receiving a query for media content items from a search client, the query including one or more user subscriber group identifiers and a plurality of search criteria, filtering a plurality of available media content items according to the query to generate a list of matching content items among the plurality of available media content items, returning the list of matching content items to the search client, receiving from the search client a selection token with a content item to subscriber group mapping, providing the token to a user rights manager, receiving a signature authentication from the user rights manager, and issuing a playback key to the search client.

Abstract: The invention relates to distributed ledge technologies such as consensus-based blockchains. Computer-implemented methods for securely providing undetermined data from a determined or undetermined source are described. The invention is implemented using a blockchain network, which may be, for example, a Bitcoin blockchain. A first transaction to validate is received at a node in a blockchain network, with the first transaction including a first script that includes at least a first value, at least a portion of which includes data that is unconstrained by a second script, and a second value. A second transaction is obtained. The second transaction having been validated and including the second script that, as a result of being executed, causes the node to obtain the first value and the second value as a result of execution of the first script, and validate, based at least in part on first value and the second value, that the data is associated with a data source.

Abstract: A method, a device, and a non-transitory storage medium are described in which a rehearsal network service is provided that enables generalized learning for all types of input patterns ranging from one-shot inputs to a large set of inputs. The rehearsal network service includes using biological memory indicator data relating to a user and the input data. The rehearsal network service includes calculating a normalized effective salience for each input data, and generating a new set of input data in which the inclusion of input data is proportional to its normalization effective salience. The rehearsal network service provides the new set of input data to a learning network, such as a neural network or a deep learning network that can learn the user's taste or preference.

Abstract: A process generates a certificate of authenticity for a virtual item. Further, the process sends, with the processor, the certificate of authenticity to a decentralized network of computing devices such that two or more of the computing devices store the certificate of authenticity. The two or more of the computing devices receive, from a user device that provides a virtual reality experience in which a virtual item is purchased, a request for authentication of the certificate of authenticity. In addition, the two or more computing devices authenticate the certificate of authenticity based on one or more consistency criteria for the certificate of authenticity being met by the two or more computing devices.

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: Method and system for verifying authenticity of specific personal data responsive to a unique wallet address on a public ledger of an unregulated platform. The wallet contains one or more non-transferable NFTs, each locked to the wallet and related to specific personal data. The non-transferable NFT was minted from a regulated platform to which there is a record in the public ledger. Supplying the unique address of the wallet to a service supplier affects a log-in of a client to the service supplier, whereafter message interactions over a network between the service supplier and the unregulated platform permits searching for a relevant non-transferable NFTs stored in the wallet and related to the specific personal data. Return of any relevant non-transferable NFT related to the personal data thus verifies authenticity of the specific personal data by association with a regulated platform.

Abstract: An identity theft mitigation system. The system comprises a mobile communication device transfer data store, a non-transitory memory, a processor, and an application stored in the non-transitory memory. When executed by the processor the application monitors transfers of mobile communication device credentials between different mobile communication devices and stores records of the transfers of mobile communication device credentials in the mobile communication device transfer data store. The application further identifies when a mobile communication device is involved in a number of credential transfers that is above a predefined threshold during a period of time based on searching the mobile communication device transfer data store for records of transfers the mobile communication device was involved in, and takes action based on the number of credential transfers in which the mobile communication device is involved exceeding the predefined threshold.

Abstract: Computer-implemented methods and systems reliant on establishing a common session key between an electronic device and a computer server are disclosed. The method and systems may be for processing de-tokenization requests in payment transaction processing and for preparing an electronic device to perform payment transactions. During such a transaction, the server may perform a method that includes receiving a de-tokenization request including a payment token and a cryptogram generated by the electronic device using a session key generated by the electronic device based on a fingerprint of the electronic device, a secret value previously shared with the electronic device, the payment token, and a transaction counter; retrieving the fingerprint, the secret value, and the transaction counter and generating the session key based on the same; verifying the cryptogram using the session key; retrieving an associated account number; and sending response to the request including the account number.

Abstract: Cryptocurrency can be stored in a plurality of cryptocurrency wallets associated with a plurality of respective users and managed by establishing a unit cost basis value for each cryptocurrency unit in a fiat currency. For example, a purchase request is received by a server computer from a user device. The purchase request is associated with a merchant to be paid in a cryptocurrency chosen by a user and stored in a cryptocurrency wallet of the user. A cryptocurrency exchange from multiple cryptocurrency exchanges having the best cryptocurrency exchange rate is identified for converting the chosen cryptocurrency to the fiat currency. A gain for the purchase transaction is calculated when the best cryptocurrency exchange rate is greater than the unit cost basis value of the chosen cryptocurrency stored in the cryptocurrency wallet of the user. The fiat currency converted in the identified cryptocurrency exchange is received from the cryptocurrency exchange to pay the merchant.

Abstract: A method of operating a payment device for selectively enabling a payment function according to the validity of a host is provided. The method relates to a method of operating the payment device which includes a near field communication controller (NFCC) and a host communicating with the NFCC. The method selectively enables the payment function according to the validity of the host, thereby preventing illegal or unwanted payment.

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 method for conveyance of payment credentials through a third party data source includes: storing, in a memory of a computing device, at least a first public key and payment credentials associated with a transaction account; generating, by a generation module of the computing device, a machine-readable code encoded with at least the first public key; displaying, by a display device interfaced with the computing device, the generated machine-readable code; generating, by the generation module of the computing device, a key pair comprised of at least a private key and a second public key; encrypting, by an encryption module of the computing device, the payment credentials using the private key; and electronically transmitting, by a transmitting device of the computing device, the encrypted payment credentials to a publicly accessible data source.

Abstract: Systems, methods, and articles of manufacture to securely share data stored in a blockchain. A contactless card may receive a request to provide a data element from a device. An applet of the contactless card may encrypt the data element and a wallet address. The applet may generate a signature for the request, and transmit, to a mobile device, the signature and the encrypted data. The mobile device may transmit, to a verification service, the signature and encrypted data. The verification service may verify the signature based on a public key. A node in a blockchain may generate a block in the blockchain, the block comprising indications of the verification of the signature, the requested data element, and the wallet address. An encrypted data element corresponding to the data element may be decrypted using a public key. The device may receive the decrypted data element from the wallet address.

Abstract: Measures, including methods, apparatus and computer software are provided for processing electronic tokens. An authorization request is received in relation to processing of an electronic token. An identifier for a user terminal associated with the electronic token, and an account, are determined on the basis of the authorization request. In some arrangements, a location query for the user terminal is performed on the basis of the determined identifier, whereby to determine a location of the user terminal on the basis of a proximity of the user terminal to one or more base stations in a cellular telecommunications network. In some arrangements, a challenge message is sent to the user terminal, to establish a confidence that the transacting user terminal is the designated user terminal. Processing of the electronic token in relation to the account is selectively authorized on the basis of the result of the location query or challenge response.

Abstract: Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for providing, along with a token, a token assurance level and data used to generate the token assurance level. At the time a token is issued, one or more Identification and Verification (ID&V) methods may be performed to ensure that the token is replacing a PAN that was legitimately used by a token requestor. A token assurance level may be assigned to a given token in light of the type of ID&V that is performed and the entity performing the ID&V. Different ID&Vs may result in different token assurance levels. An issuer may wish to know the level of assurance and the data used in generating the level of assurance associated with a token prior to authorizing a payment transaction that uses the token.

Abstract: A method for offline transmission of blockchain details includes: storing, in a computing device, a first private key and a currency amount; receiving a first destination address associated with a blockchain network and a transaction amount; generating a second private key; generating a second destination address associated with the blockchain network using the second private key; generating a blockchain transaction including at least the first destination address, the transaction amount, the second destination address, and a remainder amount based on at least the currency amount and the transaction amount; signing the generated blockchain transaction using the first private key; executing a query to replace the first private key with the second private key, wherein replacement of the first private key includes deletion of the first private key from the computing device; and transmitting the generated blockchain transaction.