Abstract: A computer-implemented method for processing single message transactions with batch settlement may include receiving a dual-message transaction from a merchant, converting the received dual-message transaction to a single-message transaction, setting a flag on the converted single-message transaction indicating the conversion to a single-message transaction, receiving a batch settlement file from the merchant, for each transaction in the batch settlement file, determining whether the single-message transaction conversion flag is set, upon determining that the single-message transaction conversion flag is not set, storing the transaction for later processing, and upon determining that the single-message transaction conversion flag is set, sending the transaction to a payment network.

Abstract: The present disclosure provides systems and methods for computerized methods and systems for processing transaction disputes and processing transactions associated with compromised accounts. According to one exemplary method, a server receives, from a user device, an instruction for disputing a transaction associated with a user account. The server can initiate, based on a record of the transaction, a dispute investigation, and issue provisional credit to the user account for the transaction. Based on a transaction history associated with the user account, the server can determine a plurality of expected transactions associated with the user account and cause the determined expected transactions to be displayed on the user device. After receiving a transaction authorization for at least one of the plurality of expected transactions, the server can process payments for the at least one of the plurality of expected transactions, and generate a notification indicating a status of the dispute investigation.

Abstract: Systems and methods ingest extensive data regarding real-time transactions to determine correlation between a variety of parameters and possible fraud events. Possible fraud can be predicted, and notifications delivered to a fraud team. Correlations can be discovered using unsupervised machine learning, and particular systems and methods can utilize natural language processing to both receive and provide information concerning fraud risk and countermeasures.

Abstract: A system for access control includes an interface to receive an access request from a first user application for permission to access a first digital identity wallet application and a processor to: determine whether to grant access for the first user application to the first digital identity wallet application, wherein access is granted for the first user application to the first digital identity wallet application in response to the first user application belonging to a first circle of trust and the first digital identity wallet application belonging to the first circle of trust; and in response to determining to grant access for the first user application to the first digital identity wallet application, provide an access granting indication.

Abstract: Methods, devices, and systems for third party edge cloud service providers (CSPs) to provide edge computing services to network service providers. The edge computing service is initialized in a network. Network information services of the network are discovered. A location of a cloud resource in the network may be dynamically changed. User plane traffic is steered toward the location of the cloud resource. In some embodiments, initializing the edge computing service includes transmitting an identity of a valid user and a data network name to a network function virtualization management and organization system, or transmitting a user subscription list to a network exposure function. In some embodiments, dynamically changing the location of a cloud resource and steering user plane traffic toward the location of the cloud resource includes determining a number of users of an edge application at a location, and a network requirement of the edge application.

Abstract: Systems, methods, and computer-readable media are provided for processing and settling financial transactions. An example method comprises receiving a transaction from an originator. The transaction comprises information associated with an identification of an initiating user or the account. The method comprises determining the actual account number, transmitting a financial services transaction request comprising the actual account number to a financial institution, receiving a response, and transmitting a response back to the originator. Another method comprises receiving, from a user device, a request to associate a financial account with a user account. The method comprises generating and sending an association message to a payment network and receiving a key associated with the financial account for use in initiating financial transactions. Another method comprises utilizing such a key to generate and process a transaction request. Other systems, methods, and media are also provided.

Abstract: A sleep pattern analyzer (SPA) system for capturing and analyzing sleep data and sleep pattern data is provided. The SPA system is configured to receive sleep data associated with a user, the sleep data including a registered user identifier and at least one sleep time stamp, and store the sleep data in a sleep pattern database. The SPA system is also configured to receive transaction data for a transaction initiated by a consumer with a merchant. The SPA system is further configured to match the consumer identifier to the registered user identifier, generate a fraud notification message when the transaction time stamp overlaps with the at least one sleep time stamp, and transmit the fraud notification message to at least one of an issuer, the merchant, and the consumer associated with the consumer identifier.

Abstract: A method and system capable of generating a relying party risk-adjusted indicator associated with and used by users and parties entering into one or more transactions with a relying party.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for detecting network attacks. One of the methods includes obtaining input data associated with a plurality of accounts associated with a particular entity; extracting features from the input data; performing unsupervised attack ring detection using the extracted features, wherein the unsupervised attack ring detection identifies suspicious clusters of accounts that have strong similarity or correlations in the high dimensional feature space; and generating an output for the detected attack rings.

Abstract: A method and system of signature verification that includes receiving a signature-in-question, extracting at least one of an image of the signature-in-question and a trajectory of the signature-in-question from the received signature-in-question, accessing a reference signature, extracting at least one of a reference image and a reference trajectory from the accessed reference signature, comparing the at least one of the image of the signature-in-question and trajectory of the signature-in-question to the at least one of the reference image and reference trajectory, and determining whether signature-in-question is authentic based on the comparison.

Abstract: Techniques for providing a localized blockchain that uses a mesh network to facilitate transactions for a localized event are provided. An electronic device can receive data from a localized mesh network to establish the device as a node on the localized mesh network. The established node can generate a cryptocurrency wallet that can be loaded with an initial amount of localized cryptocurrency tokens from a total amount of localized cryptocurrency tokens. The total amount of localized cryptocurrency tokens can be previously mined by a central authority of the localized mesh network. The established node can conduct transactions within the localized mesh network utilizing the localized cryptocurrency tokens. The established node can receive a portion of a cryptocurrency token for transmitting transactional data to a next nearest node on the localized mesh network to help facilitate a transaction involving other nodes on the network.

Abstract: A remittance processing method includes recognizing an amount of money in a message being input into a chatroom of a messenger run on an electronic device, calling a remittance function to the chatroom in response to the amount of money being recognized in the message, and processing a remittance transaction to another user in the chatroom as a remittance target with respect to the amount of money, in response to a remittance request from a user of the electronic device.

Abstract: A robotic process automation (RPA) system provides bots that interact with and provide user credentials to applications that require multi-factor authentication (MFA). First user credentials associated with MFA are retrieved by the bots from credential storage. Second user credentials that correspond to questions posed to a user of an application are retrieved from credential storage. Second user credentials that correspond to a one-time password are generated by the RPA system. The second user credentials may also be generated by a third-party authentication service that provides the credentials via a secondary channel such as email or SMS, which are then retrieved for presentation to the application.

Abstract: There are disclosed methods and systems for determining a speaker of a set of registered users associated with a voice-controllable device. The method is executable by an electronic device configured to execute a Machine Learning Algorithm (MLA). The method comprises executing the MLA to determine a first probability parameter indicative of the speaker of the user utterance being one of the set of registered users; executing a user frequency analysis to generate, for each given one of the set of registered users, a second probability parameter the being an apriori frequency based probability; generating, for the electronic device, for each given one of the set of registered users an amalgamated probability based on the first probability and the second probability associated therewith; selecting the given one of the set of registered users as the speaker of the user utterance based on the amalgamated probability value.

Abstract: A method for encapsulating transaction instrument information in a transaction includes storing, in association with a first transaction and by a processor of the primary transaction processor server, transaction data associated with a transaction instrument for a first transaction. The primary transaction processor server transmits the transaction data to a payment network processor, and receives an authorization package in response that includes a cryptograph and a first network token. The primary transaction processor server generates a second token that includes a changeable alpha-numeric string associated with the transaction instrument used in the first transaction, and transmits the second token to a merchant device. The second token indicates that a transaction associated with the second token is either i) a customer-initiated transaction or ii) a merchant-initiated transaction. The secondary transaction processor may approve or reject a transaction using the second token without a cryptogram.

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: A method includes providing an initial communication, by an access device to a user device. The access device can receive the user identifier and the access token and receive a secret associated with the user. The access device can determine, using the user identifier and/or the access token, if the transaction is authorized by an authorizing entity computer associated with the access device or by an authorizing entity not associated with the access device. If the transaction is authorized by the authorizing entity computer associated with the access device, the access device can transmit an authorization request message comprising the user identifier, the secret, and the access token to the authorizing entity computer. The authorizing entity computer validates the secret, retrieves a real credential of the user using the user identifier, and authorizes the transaction.

Abstract: The system described herein can automatically match, link, or otherwise associate electronic activities with one or more record objects. For an electronic activity that is eligible or qualifies to be matched with one or more record objects, the system can identify one or more set of rules or rule sets. Using the rule sets, the system can identify candidate record objects. The system can then rank the identified candidate record objects to select one or more record objects with which to associate the electronic activity. The system can then store an association between the electronic activity and the selected one or more record objects.

Abstract: A real-time fraud prevention system enables merchants and commercial organizations on-line to assess and protect themselves from high-risk users. A centralized database is configured to build and store dossiers of user devices and behaviors collected from subscriber websites in real-time. Real, low-risk users have webpage click navigation behaviors that are assumed to be very different than those of fraudsters. Individual user devices are distinguished from others by hundreds of points of user-device configuration data each independently maintains. A client agent provokes user devices to volunteer configuration data when a user visits respective webpages at independent websites. A collection of comprehensive dossiers of user devices is organized by their identifying information, and used calculating a fraud score in real-time. Each corresponding website is thereby assisted in deciding whether to allow a proposed transaction to be concluded with the particular user and their device.

Abstract: A transaction classification system obtains a data set including first data associated with a first characteristic and second data associated with a second characteristic. In response to obtaining the data set, the system uses a classification model to generate a classification by classifying the first data into majority data and the second data into minority data. From the classification and using the classification model, the system determines a cost. The system modifies the classification model based on this cost to generate an updated classification model. The system uses the updated classification model to re-classify a subset of the first data into the minority data and a subset of the second data into the majority data.

Abstract: Image analysis is performed on a user at a transaction terminal. Based on behaviors, expressions, and activities of the user, fraud or potential fraud is flagged. When fraud is flagged, the transaction terminal stops processing an active transaction on behalf of the user and alerts are sent. When potential fraud is flagged, images/video associated with the active transaction are sent for review and the active transaction may be suspended or permitted to proceed at the transaction terminal. In an embodiment, a same user conducting multiple transactions with different accounts at a same transaction terminal or multiple different transaction terminals within a configured period of time is automatically identified as fraud based on a fraud rule.

Abstract: Allocation of a vehicle to a passenger includes receiving a ride request for a ride from a passenger device of a passenger. A ride eligibility of the passenger is determined based on health conditions of the passenger. Further, a set of drivers available for offering the ride are identified. A subset of drivers eligible for offering the ride are selected from the set of drivers based on at least the ride request and health conditions of each driver. A first driver is selected from the subset of drivers and a route is selected from a set of routes, based on the health conditions of the passenger and each driver of the subset of drivers, route conditions of each route, and the ride request. A vehicle associated with the first driver is allocated to the passenger for the ride.

Abstract: The system and methods described herein may be utilized to perform operations in a faster and less complex manner than provided by conventional systems. An encrypted record may be stored at a user device. The encrypted record may include entries related to operations that were previously requested by the user device. The encrypted record may have been encrypted using a dynamic value and a key that is associated with an entity associated with the user. A recipient computer of a request by the user device may be configured to utilize the dynamic value provided in the request and the key associated with the entity to derive the encryption key(s) last used to encrypt the record. The recipient computer may decrypt and modify the encrypted record to perform the requested operation while the user device is precluded from doing so.

Abstract: Systems and methods are described for facilitating payments and transactions using social background checks. Such systems and methods may use social networks with both individual members communicating over a network to a social authentication computing system. The authentication of transactions associated financial institutions are determined through the use of relationship measures based on social media interactions. Transactions and services available to a user are determined based on a measure of social identity through the use of social media platforms. Available contact and interaction data from one or more social media platforms is leveraged to analyze a level of trust that a transaction is not a consequence of fraudulent activity. Transactions that have a low level of risk of being a consequence of fraudulent activity are benefited through faster transaction times and other improvements.

Abstract: A system and method of establishing a resource provider as a trusted listing are disclosed. The method includes receiving, by a directory server computer, an indication from a user that a resource provider is trusted. The directory server computer is programmed to provide a first level of authentication. The method then includes storing, in a database, data representing the indication from the user that the resource provider is trusted. The method then includes receiving an authentication request message from the user conducting an interaction at the resource provider computer and determining that the data representing the indication from the user that the resource provider is trusted is present. In response to determining, the method includes providing a second level of authentication to the user before the user is allowed to complete the interaction. The second level of authentication is lower than the first level.

Abstract: A biometric matching process is disclosed. The biometric matching process may be used to obtain access to a resource managed by an access device using only biometric information. In some embodiments, a biometric template is stored in relation to a user device and/or account information, and is obscured. Upon receiving a request for access to a resource from an access device, the system may identify a number of user devices in proximity to the access device. Biometric templates associated with each of those user devices may be compared to a biometric template received from the access device. Upon identifying a match, the system may provide the access device with account information stored in relation to the matched biometric template. The access device may then complete a transaction using the provided account information and grant access to the requested resource.

Abstract: A method for identifying a risk pertaining to a transaction to be processed, includes: identifying a risk pertaining to a transaction to be processed via a fast identification layer in a risk control system, thereby obtaining a first identification result; identifying a risk of interference pertaining to the transaction to be processed via a model for identifying transactions susceptible to interference, thereby obtaining a second identification result; and determining a processing manner for the transaction to be processed based on the first identification result and the second identification result, the processing manner including releasing the transaction to be processed, or further identifying the risk pertaining to the transaction to be processed via the in-depth identification layer in the risk control system.

Abstract: Systems and methods are disclosed for automated fraud detection and analytics using aggregated payment vehicles and devices, at the individual and/or household level.

Abstract: Embodiments of the disclosure provide systems and methods for verifying digital payments for a payment platform. The system includes a communication interface configured to receive service data associated with a transaction from a terminal device associated with a user of the payment platform. The system further includes at least one processor configured to automatically determine whether an authentication is waived for the transaction based on the received service data and a blacklist generated using a machine learning model. The blacklist includes a list of suspicious users and transaction behaviors. The at least one processor further configured to approve the transaction without requesting user authentication information from the terminal device when the authentication is waived. The at least one processor also configured to request the user authentication information from the terminal device and validate the user authentication information when the authentication is not waived.

Abstract: The AUTOMOBILE MOBILE-INTERACTION PLATFORM APPARATUSES, METHODS AND SYSTEMS (“AMIP”) The AMIP transforms cloud-based wallet and automobile settings into transaction and automobile outputs. In some embodiments, a user may request to connect an electronic wallet account to an automobile interface. Once the user's credentials have been authenticated, the automobile interface may request and receive from a remote server automobile-related and payment-method-related settings. The automobile interface may then configure its settings according to the received information.

Abstract: Embodiments of the present invention relate to a method, an apparatus, and a system for processing order information. The method includes receiving, by means of a short-range communication component, order information sent by a first terminal, the order information including an account identifier of a paid object account and a payment amount; acquiring an account identifier of a first account prestored at the second terminal and bound thereto as an account identifier of a payout account and add the account identifier of the payout account to the order information; performing encryption processing, by using a prestored first key, on the order information to which the account identifier of the payout account is added; and sending, by means of the short-range communication component, the encrypted order information to the first terminal. By the embodiments of the present invention, efficiency of order information can be improved.

Abstract: An electronic device and its operating method according to various embodiments, may detect information related to an electronic card, based on a preset condition, display a graphic user interface to include a first area displaying the electronic card and a second area displaying an icon associated with the information around the first are, detect selection of the icon in the second area, and display the information in the first area.

Abstract: Described herein are techniques, devices, and systems for database management using sound-based identifiers. The sound-based identifiers can be encoded based on text-based identifiers input into one or more databases. The sound-based identifiers can be preprocessed and encoded by encoding the text-based identifiers with a double metaphone algorithm. First sound-based identifiers can be sorted in a cluster associated with a node of a hybrid prefix tree list, based on a longest common prefix of the group. The first sound-based identifiers can be re-encoded as second sound-based identifiers and organized into sub-clusters associated with nodes, based on characters of the second sound-based identifiers positioned after characters associated with the clusters. The re-encoded sound-based identifiers can be determined based on metadata. A query can be received and utilized to identify a re-encoded sound-based identifier.

Abstract: Example methods, apparatuses, and/or articles of manufacture may be implemented to utilize a computing device to receive, from a communications network, a first signal to indicate that a subscriber, such as a subscriber of a mobile communication services carrier, has initiated an electronic transaction. The method may include detecting, utilizing one or more data stores, a record of a transfer of a subscriber account identifier and, in response, determining whether the transfer corresponds to a porting event initiated by a subscriber or initiated by a communication services carrier. The method may further include transmitting at least a second signal on the communications network, in which the at least the second signal indicates authentication, authorization, and/or verification of the electronic or digital transaction responsive to determining whether the transfer corresponds to a porting event initiated by a subscriber or corresponds to an event initiated by a communication services carrier.

Abstract: A processing system for fuel transactions analyzes transactions for symbols indicating a purchase amount and directs information about the purchase to a loyalty platform. The loyalty platform may identify and communicate in real time or near real time with a personal device associated with the purchaser of the fuel. A user interface of the personal device may allow the purchaser to review and select options for processing the fuel purchase using value from a loyalty program account. The selected option may be used to modify fuel purchase parameters prior to settlement of the transaction or simply add points to the user loyalty program account.

Abstract: Systems and techniques are provided for a resource transfer system. An instruction to transfer a first quantity of a resource from a first resource pool to a second resource pool may be received. A hold may be placed on a second quantity of the resource in the first resource pool. The held second quantity of the first resource may not be transferred from the first resource pool until the hold is released. Responsive to receiving a message that fulfills a condition on the hold and an instruction to execute the transfer, the hold may be released. A register that is in the first resource pool and is associated with the resource may decremented by the first quantity, and a register that is in the second resource pool and is associated with the resource may be incremented by the first quantity.

Abstract: A technology which is highly safe and furthermore highly convenient in personal authentications via a mobile terminal is provided. A terminal device 200 of the present invention includes: a position determining section 271 that determines a position of the terminal device 200 at predetermined time intervals, and accumulates the position as position information; a movement history generating section 272 that generates a movement history by using the position information accumulated in a predetermined period, and stores the movement history as movement history information; a registration processing section 276 that transmits, for registration, the movement history information to a personal authentication apparatus; and an authentication requesting section 279 that makes an authentication request to the personal authentication apparatus 310 by using the movement history information stored after the transmission by the registration processing section 276 to the personal authentication apparatus 310.

Abstract: Provided is a point-of-sale system for processing biometric inputs, comprising a fingerprint reader configured to receive a plurality of fingerprints simultaneously or substantially simultaneously, an input device configured to receive transaction data, a communication device, and at least one processor in communication with the fingerprint reader, the input device, and the communication device. The at least one processor is programmed or configured to generate at least one transaction message for a transaction based at least partially on a plurality of account identifiers corresponding to the plurality of fingerprints received by the fingerprint reader and the transaction data received by the input device, the at least one transaction message comprising an apportionment of the transaction value among the plurality of account identifiers, and communicate, with the communication device, the at least one transaction message to a transaction processing server.

Abstract: A system for the cryptographically-secure, autonomous control of devices comprising, connected to or remotely operating devices in an electrically powered network and the transaction of the benefits, costs or value created by or transacted through the devices in this electrically powered network.

Abstract: Autonomous ground vehicles capture images during operation, and process the images to recognize ground surfaces or features within their vicinity, such as by providing the images to a segmentation network trained to recognize the ground surfaces or features. Semantic maps of the ground surfaces or features are generated from the processed images. A point on a semantic map is selected, and the autonomous ground vehicle is instructed to travel to a location corresponding to the selected point. The point is selected in accordance with one or more goals, such as to maintain the autonomous ground vehicle at a selected distance from a roadway or other hazardous surface, or along a centerline of a sidewalk.

Abstract: Disclosed are methods for exchanging transaction data, including transmitting a first public encryption key from a first computing device via a near field communication (NFC) connection, receiving transaction data associated with a transaction at the initiating device via the NFC communication connection, generating a transaction message associated with the transaction based on the transaction data associated with the transaction and the first public encryption key, encrypting at least a portion of the transaction message associated with the transaction with a second public encryption key; determining that a network communication connection to a payment processing network different from the NFC communication connection can be established, and transmitting the transaction message via the network communication connection based on determining the network communication connection to the payment processing network can be established. A system and a computer program product are also provided.

Abstract: Described are a system, method, and computer program product for real-time payment gateway event monitoring. The method includes receiving input data from a merchant system including an application URL associated with a merchant control interface having a web socket programmed and/or configured to persistently listen for HTTP POST messages, and an event of a payment gateway system. The method also includes monitoring ongoing events of the payment gateway system associated with ongoing transaction messages communicated from point-of-sale (POS) devices to the payment gateway system and detecting the event in the ongoing events. The method further includes, in response to detection of the event, generating a HTTP POST message including event data of the event, and communicating the HTTP POST message to the application URL to cause the merchant control interface to display the event data in a chart for visual representation of the event data.

Abstract: The present invention provides a method, program, server, and wearable device that may generate a virtual code, which is not matched with any other code, whenever a payment is requested. Furthermore, the present invention provides a method, program, server, and wearable device that may conveniently add a device while security is maintained, when a user wants to add a device capable of being used as a payment means. Moreover, the present invention provides a method, program, server, and wearable device that may add and use only an algorithm without changing a conventional process, and may provide a wearable device-based financial transaction.

Abstract: This disclosure relates to systems and methods of risk detection in an electronic network. The method may include receiving a first portion of session context information for an interaction of an individual over a limited bandwidth network, the first portion including a session identifier for the interaction. The method may include retrieving a second portion of session context information for the interaction over a cloud data pipe using the session identifier, in response to receiving the first portion. The method may include accessing, a data structure representing connected knowledge of the individual. The method may include receiving, via a distributed system, security reputation data including aggregated information from a plurality of members. The method may include analyzing the session context information using the security reputation. The method may include generating a security risk score for the interaction based on the session context information, data structure, and the security reputation data.

Abstract: A method of initiating a transaction in a blockchain system includes receiving, by a processing device, biometric data associated with a first party of a transaction to be added to a block of a blockchain system. The method further includes providing the biometric data to a validation node of the blockchain system. The method further includes determining that the biometric data has been validated by the validation node. The method further includes, in response to determining that the biometric data has been validated, recording, by the processing device, the biometric data in the block of the blockchain system.

Abstract: There are provided systems and methods for shared authentication for limited use of an associated account based on user location and connected devices. A user may own a location where another user may visit or rent. The user may have a payment account that may be used with merchants to purchase items that are associated with the location or offered with use of the location. The user may set up the payment account to have a shared authentication mechanism with other users that utilize the location to allow the other users to pay for items using the payment account. The authentication mechanism may be a credential that may be pushed to a device of one or more of the other users when the other users are at or nearby the location or may be information of the other users that may be matched during transaction processing.

Abstract: A method includes initiating, by a computing device, an acquisition process with a merchant server to acquire an item using an exchange item. The method further includes determining, by the merchant server and/or a marketplace server, whether the acquisition process requires verification of the merchant server. When the acquisition process requires verification, the method further includes obtaining, by the marketplace server, a verification signature of the merchant server. The method further includes authenticating, by the marketplace server, the verification signature of the merchant server in accordance with use rules associated with the exchange item. When the verification signature is authenticated, the method further includes facilitating, by the marketplace server, exchange of the secure custody of the exchange item data file between the computing device and the merchant server in accordance with the secure custody protocol to finalize the acquisition process.

Abstract: An authentication computing device stores a cardholder profile that is associated with a candidate cardholder and includes a cardholder identifier, a device identifier, payment account data, and trusted authentication data in a database system, receives an authentication request that is associated with a tax filing of the candidate cardholder and includes a filing identifier from a revenue computing device, detects the authentication request is associated with the candidate cardholder based upon the filing identifier and the cardholder profile, transmits an identity challenge requesting authentication data associated with the candidate cardholder to a user device associated with the device identifier, receives a challenge response including response authentication data from the user device, determines an authentication status associated with the authentication request based on a comparison of the response authentication data and the trusted authentication data, and transmits the authentication status to the r

Abstract: A method includes initiating, by a computing device, an acquisition process with a merchant server to acquire an item using an exchange item. The method further includes determining, by the merchant server and/or a marketplace server, whether the acquisition process requires verification of the merchant server. When the acquisition process requires verification, the method further includes obtaining, by the marketplace server, a verification signature of the merchant server. The method further includes authenticating, by the marketplace server, the verification signature of the merchant server in accordance with use rules associated with the exchange item. When the verification signature is authenticated, the method further includes facilitating, by the marketplace server, exchange of the secure custody of the exchange item data file between the computing device and the merchant server in accordance with the secure custody protocol to finalize the acquisition process.

Abstract: Providing virtualized credentials of a holder includes authorizing a subset of credential data to be sent to a device of a relying party that is different from the holder, where the subset of credential data depends on a role of the relying party, selection by the holder, and/or contextual data of the relying party and includes displaying the subset of credential data on a screen of the device of the relying party. The contextual data may be a privacy level setting, distance between the relying party and the holder, and/or geolocation of the relying party. The role of the relying party may be provided by the relying party. Role information provided by the relying party may be provided in a verifiable format. The role information may be digitally signed or securely derived and determined by a mutual authentication algorithm between the relying party and the holder.