Abstract: A method and system for enabling performance of a transaction. A first representation of a transaction policy, which depicts transaction policy options for fulfilling the transaction policy is displayed by a client computer. After a user selects a first transaction policy option, the client computer displays a second representation of the transaction policy, depicting at least one mechanism pertaining to the first transaction policy option for satisfying the requirements of the first transaction policy option. After the user selects a first mechanism, the client computer displays evidence options for each requirement of the first transaction policy option. After the user selects an evidence option for each requirement of the first transaction policy option, the client computer sends to a server transaction enablement information that includes evidence dictated by the selected evidence options to enable the server to perform the transaction.

Abstract: A method of creating, redeeming and transferring tokens associated with tokens on a peer-to-peer distributed ledger. The method includes including metadata associated with the token in a redeem script, wherein the redeem script is associated with a transaction of cryptocurrency on the peer-to-peer distributed ledger. One aspect of the invention provides a method of issuing and/or transferring a token, comprising the steps of generating a blockchain transaction (Tx) having an output (TxO) related to a quantity of cryptocurrency such as Bitcoin, and a hash of a redeem script. The redeem script comprises metadata which in turn comprises a token. The token is a representation of, or a reference to, a tokenised entity. The redeem script also comprises at least one (preferably two or more) public cryptographic keys. The metadata is provided in the redeem script at a location which is designated in the underlying blockchain protocol as a location for a cryptographic key.

Abstract: Systems and methods are provided for processing objects. For example, a call request message is received, the call request message carrying an identification (ID) of order data associated with one or more objects, the order data including at least a total value of the objects and an ID of a second subject; a first account related to a first subject and a user password related to the first subject are acquired; the first account and the user password and the ID of the order data are sent; the first account and the user password and the ID of the order data are forwarded; and based on at least information associated with the first account and the user password and the ID of the order data, the total value is deducted from a first value included in the first account related to the first subject.

Abstract: Systems and methods are provided for detecting unauthorized manipulations of assets. A digital security breach detection system requests and receives an insurance policy from an insurance system for an asset. The digital security breach detection system further analyzes transactions received by the asset from various devices to determine whether the transactions are unauthorized manipulations. In response to detecting an unauthorized manipulation, the digital security breach detection system generates notifications to pre-authorized devices associated with the asset. Additionally, the digital security breach detection system generates claims relating to the unauthorized manipulation under the insurance policy for the asset.

Abstract: An embodiment of a method of recording transactions conducted in a public distributed ledger system using a personal distributed ledger system includes: generating, by a wallet distributed application, an address in the public distributed ledger system and a private key; signing, by the wallet distributed application, a transaction to a distributed application in the public distributed ledger system using the generated address and private key; generating, by the wallet distributed application, a transaction to the personal distributed ledger system, the generated transaction containing information identifying the signed transaction to the public distributed ledger system, such as the private key used to sign the transaction; and transmitting, by the wallet distributed application, the transaction to at least one distributed node of the personal distributed ledger system.

Abstract: A method for building an advanced storage key includes: storing, in a mobile device, at least (i) device information associated with the mobile device, (ii) program code associated with a first program including an instance identifier, and (iii) program code associated with a second program including a first key; generating a device fingerprint associated with the mobile device based on the device information via execution of the code associated with the first program; generating a random value via execution of the code associated with the first program; building a diversifier value based on the generated device fingerprint, the generated random value, and the instance identifier included in the code associated with the first program; and decrypting the built diversifier value using the first key stored in the code associated with the second program via execution of the code associated with the second program to obtain a storage key.

Abstract: Embodiments enable a block chain distributed network arrangement system for facilitating a tiered dedicated block chain configuration to provide differing combinations of functions and levels of security. The system may identify factors within received information that indicate which dedicated block chain network should be used to record the received information. The dedicated block chains may be tiered based on the importance of the received information or a customer service level of a party associated with the received information. The system allows for recording of the received information in a distinct, dedicated block chain network that is appropriately configured for the functionality and/or security requirements of the received information.

Abstract: Systems and methods for securing transaction messages are described. In an example, a rule set may be accessed. The rule set may specify a selection of a key from a plurality of keys or an obfuscation process from a plurality of obfuscation processes. The selection may be based on a condition associated with securing transaction messages. The keys or the obfuscation processes may be stored at a card reader. An instruction about the selection may be provided to the card reader based on the rule set and a determination that the condition is satisfied. In turn, a secure transaction message may be received from the card reader. The secure transaction message may have been secured based on the key or the obfuscation process. The secure transaction message may be provided to a transaction system that includes a management system associated with the key or the obfuscation process.

Abstract: Disclosed herein are methods, devices, and apparatuses, including computer programs stored on computer-readable media, for acquiring and recording tracking information on a blockchain. One of the methods includes: verifying, by a terminal device, an identity of a user who is to submit transaction data for recordation on the blockchain; acquiring, by the terminal device, tracking information to be submitted with the transaction data for recordation on the blockchain, the tracking information including identity information of the user and a location of the terminal device; generating, by the terminal device, a data package including the tracking information and the transaction data; and submitting, by the terminal device, the data package for recordation on the blockchain.

Abstract: Disclosed herein are methods, systems, and apparatus, including computer programs encoded on computer storage media, for blockchain network digital ticket transfer. One of the methods includes receiving a request from a client device to transfer a digital ticket from a blockchain network to a target server by a blockchain network node. The blockchain network node determines whether the client device is authorized to transfer the digital ticket based on a digital signature in the request, and transmits a notification message to the target server if the digital signature is valid. The blockchain network node receives a confirmation message from the target server indicating validity of the client device, and transfers the digital ticket to the target server.

Abstract: Embodiments of the present invention relate to systems and methods for implementing a mobile tokenization hub with a common tokenization capabilities (CTC) module that may provide tokenization for various entities in various contexts. For example, the CTC module can provide and store tokens for mobile payment transactions, transit transactions, digital wallet applications, merchant point of sale (POS) applications, personalization services, and the like.

Abstract: An apparatus includes a memory and a hardware processor. The memory stores a private encryption key. The processor intercepts a first transaction request from a user, communicates a first recertification request to a certificate authority that issued the private encryption key, and receives, from the certificate authority, a first message indicating that the private encryption key is valid for use. In response to the first message, the processor generates a first digital signature using the private encryption key, generates a first non-repudiation message comprising the first digital signature and the first message, generates a second message comprising the first transaction request and the first non-repudiation message, and communicates the second message to a server to process the first transaction request.

Abstract: Disclosed herein are methods, systems, and apparatus, including computer programs encoded on computer storage media, for storing blockchain data. One of the methods includes receiving a plurality of blocks from a blockchain node in the blockchain network; for each of the plurality of blocks: determining a first number of blockchain nodes that store a dataset divided from an error correction coding (ECC) encoded version of the block and a second number of blockchain nodes that store a dataset comprised of redundant bits divided from the ECC encoded version of the block; calculating a priority value of the block based on the first number and the second number; and encoding at least a portion of the plurality of blocks using ECC to generate a plurality of encoded blocks based on the priority value.

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 further includes augmenting the new set of input data using perturbation values. 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: In some embodiments, a verification system includes a memory storing a common identifier that identifies a user. The system may also include one or more hardware processors coupled to the memory and configured to read instructions from the memory to perform the steps of: receiving a token associated with a request to complete a transaction with an environment; determining the common identifier associated with the token, the common identifier being associated with an identifier of the merchant, an identifier of the user requesting the transaction, and a funding instrument associated with the user; and determining, based on information associated with the common identifier, whether to approve the transaction.

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 processor to confirm payment for a transaction at a point of sale device and issue a token to a mobile device for completing the transaction. A wireless interface module at the point of sale device is configured to receive the token from the mobile device for the transaction via a wireless communications protocol. A token processing module at the point of sale device confirms validity of the token. A transaction processing module negotiates the transaction at the point of sale device by actuating the point of sale device.

Abstract: In some embodiments, a method for binding a user's information to a user's account with a payment service provider includes receiving a request to pay for a transaction using the user's account with the payment service provider. The request to pay specifies a funding instrument. Additionally, the payment service provider is a source of the funding instrument, and the transaction is between the user and a merchant application. The method also includes generating a common identifier (ID) corresponding to the funding instrument, and generating a payment token corresponding to the common ID and the funding instrument. The common ID is a non-transactable token associated with the merchant application and the user, and the payment token is a non-transactable token that corresponds to the common ID. The method further includes binding the user's payment service provider account to the payment token and the common ID.

Abstract: An example method includes receiving an encrypted biometric enrollment data and user identifier data. The encrypted biometric enrollment data includes at least one biometric enrollment sample from a user encrypted using an encryption key. The encryption key is generated based on a user secret and the user identifier is associated with the user. The user identifier is matched with a stored user secret. A decryption key is generated based on the stored user secret. The encrypted biometric enrollment data is decrypted using the decryption key. The at least one biometric enrollment sample is retrieved from the decrypted biometric enrollment data. The at least one biometric enrollment sample is processed using a biometric processing algorithm to generate a biometric reference template. A biometric reference template identifier uniquely identifying the biometric reference template is generated. An encryption key is generated based on the stored user secret and encrypts an enrollment confirmation message.

Abstract: An electronic platform (10) for facilitating mobile commerce transactions includes: a user interface (20) that is provided to a user (60), the user interface (20) being operable to retrieve from the user (60) a plurality of settings for different parameters that regulate a manner in which the platform (10) operates for a given entity that is being served by the platform (10); a conversation tracking engine (40) that monitors messages exchanged between the platform (10) and mobile device users (72) accessing the platform (10), the conversation tracking engine (40) being operative to recognize which ones of selected monitored messages together form a common conversation and keep track of a current state of that conversation; and, a mobile content rendering engine (30) that is operable to dynamically render mobile content in response to the platform (10) receiving a request from a mobile device (74) for mobile content, the mobile content being rendered in accordance with the parameter settings entered via the us

Abstract: An apparatus and method to conduct financial and other transactions using a wireless computing device. The wireless device includes an input display part, one or more processors, and at least one memory device. The memory device has stored therein a wallet application for completing transactions based on wireless data communications between the computing device and an external electronic device. The memory device further stores at least one electronic credential. The wireless device permits transmission, via a near-field communication (NFC) module, of at least one electronic credential to an NFC reader of the external electronic device based on comparing a biometric characteristic of a user, detected by a biometric characteristic reader, with stored biometric information.