Abstract: A method for dispute resolution for a blockchain transaction includes: receiving, by a receiver of a processing server, a blockchain transaction identifier and a dispute reason code from a first computing device of a blockchain network, the blockchain transaction identifier and the dispute reason code comprising a dispute request, the blockchain transaction identifier identifying a transaction on a blockchain; transmitting, by the receiver of a processing server, the blockchain transaction identifier and the dispute reason code to a processing device of the processing server; identifying, by the processing device of the processing server, the transaction, a merchant blockchain address, and a currency amount within a blockchain data value of the blockchain based on the blockchain transaction identifier; determining, by the processing device of the processing server, the transaction is invalid; and performing, by the processing device of the processing server, a dispute resolution process for the blockchain tra

Abstract: A method for processing cryptographic currency transactions through user-based blockchain ledgers includes: receiving, by blockchain node in a blockchain network, a new cryptographic currency transaction from a first computing device including unspent transaction outputs, a sender public key, receiver public key, destination address, and cryptographic currency amount; identifying, by the blockchain node, a sending blockchain associated with the sender public key including the unspent transaction outputs; validating, by the blockchain node, the sending blockchain by generating a hash value using the sending blockchain and comparing the generated hash value to a historic sender hash value associated with the sender public key; generating, by the blockchain node, a new sender hash value by hashing a combination of the sending blockchain and the new cryptographic currency transaction; and transmitting, by the blockchain node, the generated new sender hash value to a plurality of additional nodes in the blockchain

Abstract: Methods and apparatuses allow an insurance agency to track their current performance in managing existing customers and bringing in new customers. A tool may obtain information from a user regarding characteristics of the user's agency and/or agency goals. The tool may use this information to determine an agency's business efficiency. The tool may also provide advice regarding marketing spending and/or additional human resources needed. The tool may benchmark an insurance agency against other agencies in the market. The tool may also display how generated leads are converted to new business and/or income for an agency.

Abstract: Disclosed herein are systems and methods for interacting with a consumer ledger. The systems and methods include: receiving a copy of the consumer ledger from one of a plurality of miners; adding a transaction to the consumer ledger; and transmitting the consumer ledger to the plurality of miners for conformation.

Abstract: A scheme for identifying wireless devices by capturing out-of-band information in addition to in-band information from wireless devices for enabling accurate classification of wireless devices. Both the in-band and out-of-band spectrum emissions of the received signal are used to capture hardware signatures and features. These hardware signatures are used to discriminate different wireless devices uniquely and efficiently, even when the devices have the same hardware with significantly reduced distortions. The out-of-band information can be extracted using radios with software defined capabilities. Deep learning-based device classification technique is applied that uses IQ samples collected from the RF signals to efficiently identify and classify high-performing transmitters that have the same, minimally distorted hardware components.

Abstract: Participants as requestors using a requesting network element request one or more tokenization processors to generate tokens that represent a sanitized version of data such that the resultant tokens are amenable to comparison across participants. As circumstances warrant, one or more such tokens can be submitted to the tokenization processor(s) to privately retrieve the original data. Role-based access control scope parameters and tokenization processor-specific tokenization processor secrets can be embedded into reversible tokens that remain invariant under updating of the tokenization processor secrets across tokenization processors.

Abstract: A method for generation of an application cryptogram for use in a payment transaction includes: storing, in a first memory, a single use key associated with a transaction account; electronically transmitting the single use key to a processing server; receiving an encrypted session key and a server encryption key from the processing server; executing a first query to store the encrypted session key in the first memory and a second query to store the server encryption key in a second memory; decrypting the encrypted session key using the server encryption key; generating an application cryptogram based on the decrypted session key; and electronically transmitting the generated application cryptogram for use in a payment transaction.

Abstract: A method is provided for performing a transaction. The method includes, in an offline mode, payee and payer devices communicating to determine transaction details including a transaction amount. A payer payment application generates a transaction request including request transaction details, stores the transaction request, and updates a payer available funds amount at least partially in accordance with the transaction amount. A payee payment application generates a transaction confirmation including confirmation transaction details, stores the transaction confirmation, and updates a payee available funds amount at least partially in accordance with the transaction amount.

Abstract: A method for ensuring precedence for the processing of a blockchain transaction to prevent loss of cryptographic currency includes receiving a new blockchain transaction by a blockchain node in a blockchain network, confirming the new blockchain transaction including identifying a precedence transaction that was previously conducted and stored in the blockchain that involves both blockchain wallets included in the new blockchain transaction, including the new blockchain transaction in a new block that is generated, and distributing the new block to additional nodes in the blockchain network for confirmation and addition to the blockchain.

Abstract: A method for securing a split private key (such as used with a cryptocurrency or other non-custodial electronic wallet) amongst a password, biometrics, and a social service. The process may use a sharding scheme such as Shamir's Secret Sharing to ensure that multiple key shards must be obtained before the entire private key can be obtained. The user may select the number of shards required to retrieve the private key thereby controlling the security of the account. An additional shard may be held on an encrypted server and allows for account recovery even while maintaining non-custodial ownership of the wallet.

Abstract: Decentralized computer systems and methods are disclosed for hyperledger-based payment transactions, alerts, and dispute settlement, using smart contracts. One method includes: receiving transaction information comprising transaction data of transaction attributes for a transaction for a good or service originating at a merchant; storing the transaction data of the transaction attributes for the transaction, in a smart contract generated or updated by a smart contract application; deploying the Smart contract into one or more blockchain networks, wherein at least one of the one or more blockchain networks; performing one or more iterations of enabling, using an inter ledger protocol, to transfer at least some of the transaction data of the transaction attributes of the transaction to another of the one or more blockchain networks, wherein each of the one or more blockchain networks serves one or more business functions of the transaction.

Abstract: Embodiments of the invention are directed to methods, systems, and devices for replacing a token on a user device, such as a transaction card. The transaction card includes tokens representing an actual account identifier which is not visible on the transaction card. The transaction card may store a first token on a and include a digital display that displays a second token. When the first token or the second token is compromised, the compromised token is replaced without replacing the transaction card. When the second token is compromised, the compromised token is replaced with a new replacement second token using an electronic device. The replacement second token replaces the old second token on the digital display. After the second token is compromised and before the replacement second token is provisioned on the transaction card, the transaction card may still be used for transactions using other tokens provisioned on the card.

Abstract: The ELECTRONIC WALLET CHECKOUT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“EWCP”) transform customer purchase requests triggering electronic wallet applications via EWCP components into electronic purchase confirmation and receipts. In one implementation, the EWCP receives a merchant payment request, and determines a payment protocol handler associated with the merchant payment request. The EWCP instantiates a wallet application via the payment protocol handler. The EWCP obtains a payment method selection via the wallet application, wherein the selected payment method is one of a credit card, a debit card, a gift card selected from an electronic wallet, and sends a transaction execution request for a transaction associated with the merchant payment request. Also, the EWCP receives a purchase response to the transaction execution request, and outputs purchase response information derived from the received purchase response.

Abstract: Systems, computer program products, and methods are described herein for implementing centralized resource distribution framework. The present invention is configured to electronically receive, from a computing device associated with a client, an indication to initiate a resource transfer to a user; retrieve, from a resource repository, one or more resource transfer parameters associated with the user based on at least the information associated with the user; and execute the resource transfer to the user based on at least the one or more resource transfer parameters, wherein executing further comprises transferring the resource from a source repository to the one or more target repositories via the one or more resource routing channels.

Abstract: Various examples are directed to systems and methods for processing offline payments from a mobile wallet. A computing system may receive, from a financial institution system, an authentication request message comprising a first offline token. The computing system may determine that the mobile wallet application is not online and determine that the first offline toke comprises first offline token data that matches the first offline token reference data. The computing system may send to the financial institution system a first authentication message indicating that the first offline token is associated with the mobile wallet application.

Abstract: Systems and methods are described for provisioning access credentials to a mobile device using device and authorization codes. Once provisioned, a mobile device can be used to conduct a transaction.

Abstract: A card, such as a payment card, can enable provisioning of services. The card includes hardware and software that enable the card to connect to a local device that includes a display. Further, the card can comprise hardware and software that allow the card to connect to a remote server, in one instance by way of a dedicated communication channel. The card can also include a processor and memory that stores instructions that when executed by the processor provide services, such as bank services. The display is provided with graphical elements by the service for rendering including data from a bank or other remote server. A device or interactive display can enable user interaction with services.

Abstract: A user terminal generates a first key pair and a second key pair, transmits a permission request including a public encryption key of the second key pair after electronically signing the permission request with a secret encryption key, and acquires, from permission information transmitted from a right-holder terminal, a content decryption key by using a secret decryption key of the second key pair and uses the content. The right-holder terminal stores a third key pair and the content decryption key, verifies the permission request received, and encrypts the content decryption key by using the public encryption key of the second key pair included in the permission request and transmits the permission information including the encrypted content decryption key after electronically signing the permission information with a secret encryption key of the third key pair. The permission request and the permission information are transmitted and received via a blockchain.

Abstract: A method including receiving a first application user credential associated with a user profile; comparing, for a first match, the first application user credential with a stored second application user credential, wherein the stored second application user credential is associated with a user identity; and responsive to finding a first match, verifying the user identity by performing the following: communicating with a card using near field communication; receiving a public key of a key pair of the card and cardholder identification information of an account holder of the card; instructing the card to generate a digital signature; receiving the digital signature from the card; verifying the digital signature using the public key; and comparing, for a second match, at least a portion of the user identity with at least a portion of the cardholder identification information.

Abstract: A method for paying in a motor vehicle having a transaction device involves providing transaction data relating to the payment to the payment transmitter. The transaction data including a receiver address of a payment receiver, a payment amount, a transmitter address of a payment transmitter located in the motor vehicle, and a private key belonging to the transmitter address. The provided transaction data is entered into the transaction device. The entered receiver address is transmitted to the payment receiver, which authenticates the transmitted receiver address. Only if the authenticated receiver address is classified as authentic does the method proceed. This involves signaling the successful authentication of the receiver address to the payment transmitter and transmitting the entered transaction data entered to the cryptocurrency computer network for carrying out the payment.

Abstract: The present disclosure discloses a method for monitoring distributed energy storage safety and an Internet of Things system. The method includes utilizing a data acquiring unit to monitor operating data on a liquefied natural gas (LNG) storage device and transmitting the operating data to an LNG distributed energy management platform; the management platform determining abnormal data in the perception information according to an anomaly judgment condition and performing a pseudo data verification and labeling on the abnormal perception information; performing an anomaly prediction analysis according to an early warning mechanism; sending an alarm prompt to field maintenance personnel according to the abnormal data; and the field maintenance personnel performing a two-way confirmation with the management platform after processing.

Abstract: An approval request is transmitted for a cryptoasset transaction in accordance with a policy stored in a hardware security module (“HSM”). The policy specifies at least one specific approver required for approval of the cryptoasset transaction. The approval request is transmitted to a computer device associated with the specific approver and is configured to cause the computer device to prompt the specific approver to approve the cryptoasset transaction. A security key is received from a hardware security token associated with the specific approver. The security key indicates an approval of the cryptoasset transaction. A risk analysis module authenticates an identity of the specific approver based on the security key. Responsive to the authenticating of the identity of the specific approver, the HSM signs the cryptoasset transaction using a cryptographic key stored in the HSM.

Abstract: An exemplary system, method, and computer-accessible medium can include receiving first information related to a first transaction associated with a financial account, determining a first network coverage area associated with the first transaction, receiving second information related to a second transaction associated with the financial account, determining a second network coverage area associated with the second transaction, flagging the second transaction as potentially fraudulent based on the first network coverage area and the second network coverage area. The financial account can be a credit card account. The second transaction can be flagged if the first network coverage area and the second network coverage area do not overlap. The first network coverage area can be based on a coverage area for a first satellite and the second network coverage area can be based on the coverage area for a second satellite, where the first satellite can be different than the second satellite.

Abstract: Techniques, devices, and systems for performing actions, within an application provided by a service provider, without additional authorization requests are described. An example process includes receiving an access request to access an application on a user device, and presenting an interactive element via a user interface of the application, wherein the interactive element, when selected, causes a website of a merchant to load to an in-app browser within the application. The example process further includes receiving, via the in-app browser, a payment request to initiate a payment to the merchant from an account associated with the application, determining, based at least in part on the payment request, that the payment request originated from within the application, and based at least in part on the determining, causing the payment to be authorized without additional input from a user associated with the user device.

Abstract: A method executed by a server for disseminating reports, over a communications network, for a plurality of assets is disclosed. The server receives from at least one first computing device, a first data packet comprising a plurality of asset data associated with a particular asset, and a first computing device signature associated with a first computing device. Further, after authenticating the first computing device signature, the server creates an asset record, wherein a plurality of asset data associated with the particular asset is recorded. Additionally, the server is configured for transmitting an operator interface to a plurality of operator computing devices, accessing the electronic ledger, and generating a response message to the operator request based on the plurality of asset data in the asset record.

Abstract: A system for enabling communication between blockchains on heterogeneous blockchain networks. The system can include a sending blockchain network comprised of a sending blockchain that includes a plurality of blocks, each block including a block header and one or more transaction values associated with an identification request transmitted by the sending blockchain. The system can include a directory service node configured to receive the identification request from the sending blockchain, and identify a receiving blockchain, which forms part of a receiving blockchain network. The system can include an identity service node configured to receive a trust request from the directory service node to determine whether a valid trust certificate is available for the receiving blockchain and enable communication between the sending blockchain and the receiving blockchain, when the valid trust certificate is determined to be available.

Abstract: An agent that may assist a service provider of gaming services with registering/signing up users, with accepting funds/money from a user and depositing these funds in a gaming account of the user for the user to play games with, and/or with receiving requests from a user to withdrawal funds from the user's account and paying the user the withdrawn funds. The agent may also assist a user in obtaining a report of an account of the user, the account being associated with a service provider that provides gaming services.

Abstract: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method. Upon receiving a request to provide cash redemption to a third party from a provider client terminal, the system may allocate an amount of cash to a temporary financial account and generate a temporary access code that may be used to access the cash in the temporary financial account. The system may transmit the temporary access code to a recipient client terminal and upon an ATM terminal's receipt of the input access code, the system may authorize the withdrawal of the amount of cash.

Abstract: A method and system are disclosed for transferring digital tokens to and from a physical payment card. The method includes: receiving, on a processing server, a plurality of digital tokens issued from a central bank; and transferring, from the processing server, the plurality of digital tokens to the physical payment card, the physical payment card configured to be used with a point of sale (POS).

Abstract: A system, including: a non-transitory memory; and one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations including: determining a first physical location of a user; comparing the first physical location to data indicative of network availability; and in response to comparing the first physical location to data indicative of network availability, generating a first electronic token and a second electronic token for a mobile computing device associated with the user.

Abstract: A system, computer-readable storage medium, and computer-implemented method for signing a document involving generating copies of the document in response to receiving actions to perform on the document. In particular, a web service can transmit a document for signing to a client device such that the document is viewable through graphical user interfaces while the underlying content of the document remains non-editable by the client devices through the web service. Responsive to receiving actions, the web service can generate one or more copies of the document that may include modifications that correspond to the received actions.

Abstract: Systems and methods utilizing payment tokens are provided. One method includes receiving a transaction authorization request including a plurality of transaction conditions; generating a plurality of payment tokens based on the plurality of transaction conditions; provisioning the plurality of payment tokens, each of the payment tokens including at least one transaction condition of the plurality of transaction conditions; receiving a payment token from the plurality of payment tokens based on the plurality of transaction conditions; and transmitting, to a recipient, a payment corresponding to the received payment token.

Abstract: A method includes generating, via a processor, a bill of materials (BOM) representation associated with a BOM indicating at least one good and including a representation of a plurality of dependencies to qualify the at least one good for at least one of a regulatory claim, a duty benefit claim or an admissibility claim. A smart contract code for a compliance declaration smart contrast that references the BOM representation is transmitted via the processor and to a distributed ledger. A representation of the plurality of assertion token is received, via the processor, from a plurality of remote compute devices, and in response to deploying the compliance declaration smart contract. A compliance declaration token is minted, via the processor, in response to receiving the representation of a plurality of assertion tokens and based on the compliance declaration smart contract.

Abstract: A method for improving data flow and data security in an existing wireless communications network comprising a central node and a plurality of remote nodes, during band-width-limiting conditions, the method including generating, by a processor at the central node, a hybrid network overlay to the existing wireless communications network, the hybrid network overlay including a remote overlay node for each remote node and a central overly node for the central node.

Abstract: A method of performing a transaction between a merchant and a customer is described. The method involves a customer computing device (11), a merchant computing device (12) and a payment facilitator computing system (19). Firstly, there is agreement upon a transaction between the customer computing device (11) and the merchant computing device (12), wherein a first one of said computing devices produces a code image representing elements of the transaction.

Abstract: Embodiments include methods and systems for enabling third-party data service interoperability, comprising receiving, from an electronic data server, a request for a low-value token, the low-value token being associated with a subset of sensitive data associated with a user; providing the low-value token to the electronic data server; receiving a request for the subset of sensitive data, from a third-party data service server, the request comprising the low-value token; de-tokenizing the low-value token to obtain the subset of sensitive data; providing the subset of sensitive data to the third-party data service server; receiving, from an electronic data server, the low-value token and a transaction authorization request; determining, based on the low-value token and authorization request, an authorization response; and providing the authorization response to the electronic data server.

Abstract: Aspects of the disclosure relate to intelligent processing of broken or failed ATM transactions. In some embodiments, a computing platform may receive transaction data associated with a pending transaction initiated on a mobile computing device and generate hash information corresponding to the received transaction data. Then, the computing platform may identify ATMs previously visited by the user. Based on performing analytics on those previously visited ATMs, the computing platform may identify, from those previously visited ATMs, one or more alternate ATMs for completing the pending transaction. Next, the computing platform may send a notification to the mobile computing device that includes navigation information. Thereafter, the computing platform may cause the alternate ATMs to await input from the user by sending the generated hash information.

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: Systems and methods for enabling auxiliary accounts and/or auxiliary devices to create and process cryptocurrency transactions on a behalf of a primary account while enforcing limited auxiliary entity access to the primary entity's overall transaction information. Cryptocurrency transactions may be point of sale charges. Some methods may include receiving a charge request from a payor system, determining a merchant cryptocurrency address for the charge request, providing the merchant cryptocurrency address to the payor system, generating a transaction that identifies the merchant cryptocurrency address, signing the transaction, broadcasting the transaction, storing the merchant cryptocurrency address in association with information, related to the charge request, detecting a blockchain transaction that identifies the merchant cryptocurrency address, and/or detecting at least one transaction confirmation for the detected blockchain transaction.

Abstract: In payment using biometric authentication, a customer-friendly technology with a high degree of freedom for customers to select a payment destination is provided. The present invention provides a biometric authentication payment system including: a biometric information acquisition device that acquires biometric information of a customer; a reception section that receives designation of a payment system of a payment destination; a transmission section that transmits the biometric information and a payment amount to the payment system; an authentication section that performs authentication using the transmitted biometric information, and a payment section that performs the payment of the payment amount when the authentication result is successful in authentication, and when a payment destination is designated.

Abstract: A method for provisioning a token based on media content may include receiving media content data associated with media content, account identifier data associated with an account identifier of a first user, and first user device identification data associated with a first user device of the first user. Keyword data associated with at least one keyword may be extracted from the media content. At least one event may be determined based at least partially on the keyword data. A token may be generated based at least partially on the at least one event and the account identifier data. The token may be communicated to the first user device based at least partially on the first user device identification data. A system and computer program product are also disclosed.

Abstract: Mechanisms for requesting, by a client device, registration of identified data at a sensor reader. A request command is sent from the client device and to the sensor reader pertaining to a registration operation to be performed on identified data at the sensor reader. A security policy is assigned to the identified data by the sensor reader. A first security protected object and a second security protected object of the identified data are created by the sensor reader and based on the request command and the security policy. The second security protected object is sent, by the sensor reader, to the client device. The first security protected object is sent, by the sensor reader, towards the trusted server. The trusted server, upon reception of the first security protected object, verifies that the sensor reader that created the first security protected object has a security trusted relationship with the trusted server.

Abstract: An information processing device according to one embodiment of the present disclosure comprises a processor. The processor is configured to generate a distributed component aimed at a three dimensional printing task. The distributed component is used for controlling, independent of the information processing device, execution of the three dimensional printing task after establishing a connection with a user equipment, and comprises decryption information of three dimensional model data used for the three dimensional printing task. The processor is further configured to control the arrangement of the distributed component to the user equipment.

Abstract: A requester device 12 registers inspection target data in a file server 18. An inspector device 14 operated by an inspector who inspects whether the inspection target data is illegitimate or not acquires, from the file server 18, the inspection target data registered by the requester device 12 and registers an inspection result of the inspection target data in a blockchain network 22. A viewer device 16 acquires, from the blockchain network 22, the inspection result registered by the inspector device 14 and executes data processing based on the inspection result.

Abstract: Systems and methods for performing consolidation of several cryptocurrency payments by using a non-custodial cryptocurrency platform. A consolidation address is generated at the non-custodial platform in response to a withdrawal request. The consolidation address is under direct ownership of a user. At least one unsigned consolidation transaction is generated that identifies at least one selected payment representation as input, and the generated consolidation address as an output. An unsigned destination transaction is also generated. The unsigned destination transaction identifies the generated consolidation address as an input and the withdrawal destination as an output. A signed version of each consolidation transaction and a signed version of the destination transaction are received from a signing enclave. The signing enclave is included in a client device of the user.

Abstract: A method for providing an applet service capability includes: receiving an operation accessing request sent by an applet merchant though an applet management platform, in which the operation accessing request includes an applet token, an applet identifier and an operation accessing type; performing authentication on the operation accessing request through the applet management platform; and providing an applet service capability corresponding to the operation accessing request for the applet merchant when the authentication is passed.

Abstract: Embodiments of this application relate to an access token management method. The method includes: obtaining, by a server, an access token and login information of an authorized account corresponding to the access token in a terminal, where the access token is a credential used for accessing a protected resource in the server, and the authorized account is an account that logs in to a resource authorization application on the terminal when the resource authorization application authorizes the access token; and when the login information indicates that the authorized account is in a non-login state, performing, by the server, invalidation processing on the access token.

Abstract: Methods, systems, and apparatus, including a method for preventing fraud. In some aspects, a method includes: receiving, from multiple client devices, a measurement data element that includes a respective group member key and a group identifier for a given conversion as a result of displaying a digital component. Each client device uses a threshold encryption scheme to generate, based at least on network data that includes one or more of impression data or conversion data for the conversion, a group key that defines a secret for encrypting the network data and generate, based on data related to the application, the respective group member key that includes a respective share of the secret. In response to determining that at least the threshold number of measurement data elements having the same group identifier have been received, the network data is decrypted using the group member keys in the received measurement data elements.

Abstract: A computing system for electronically managing a token across multiple computer networks is described. The computing system includes a processor in communication with at least one memory device. The processor is programmed to generate a token associated with a payment account, the token having a format that simulates a format of a checking account identifier, and receive a payment request including the token, the payment request processed over a first network. The processor is also programmed to apply a set of rules to the payment request, determine that the payment request satisfies the set of rules, and convert the token into a payment account identifier using the set of rules. The processor is further programmed to transmit an authorization request message to a second network, receive authorization of the authorization request message from the second network, and provide authorization of the payment request to the first network.

Abstract: Device verification extension technology obtains, in response to a request to verify a signature associated with first data, an asymmetric verifier application from off-device storage. The asymmetric verifier application is loaded and executed. The signature associated with the first data is verified using the asymmetric verifier application using asymmetric-key cryptography.