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.

Abstract: Techniques described herein are directed to embedded card reader security. In an example, personal account number data read from a payment instrument may be temporally and/or spatially separated from personal identification number data utilized to complete a payment for products. Temporal separation may include removing the personal account number data from a merchant device prior to request personal identification number data. Spatial separation may include utilization of trusted execution environments, separated embedded card reader applications, intermediary applications, and/or trust routines, for example to enable different components of a merchant device, and/or components of other devices and systems to handle personal account number data and personal identification number data.

Abstract: A data processing system for reconciling electronic transaction data is disclosed. The data processing system comprises: a computer processor and a data storage device, the data storage device storing instructions operative by the processor to: receive refund transaction data indicating a refund transaction, the refund transaction data comprising an indication of an original transaction and an indication of a refund amount; look up original transaction data for the original transaction in a payment transaction database; generate reconciled transaction data from the refund transaction data and the original transaction data; and provide the reconciled transaction data to a user device.

Abstract: A payment device comprising of a housing, a slot for insertion of a user instrument located on a front surface of the housing, and wherein the housing includes a smart card interface integrated circuit that is configured to read an EMV chip located on the user instrument, and a universal serial bus (USB) type C male connector configured to be inserted into a female connector on a computing device, wherein the USB type C male connector is located on a back surface of the housing, and wherein a size of the USB type C male connector is configured so that when the USB type C male connector is inserted into the female connector on the computing device, the back surface of the housing is within a distance of three centimeters of a surface of the computing device.

Abstract: Methods, systems, and computer program products for providing attribute-based card combinations for digital wallets are disclosed. A computer-implemented method may include associating a first asset with a digital wallet, associating a second asset with the digital wallet, receiving a request to determine a relationship between the first asset and the second asset in the digital wallet, determining the relationship between the first asset and the second asset in the digital wallet, creating the relationship between the first asset and the second asset in the digital wallet, notifying a user of the digital wallet about how a change to the first asset in the digital wallet is to affect the second asset in the digital wallet based on the relationship between the assets, and performing a transaction involving the digital wallet based on the relationship between the first asset and the second asset in the digital wallet.

Abstract: A system and method for simple checkout is described. A computing device is used to access a website. The computing device receives a selection of an item to purchase at the retail website. The computing device provides purchase authorization information from the credit account app to a checkout of the retail website without the user providing account information for the credit account.

Abstract: A system has at least one machine, including at least one device for exchanging data with another device of the at least one machine or of another machine for a joint solution of a task or with a higher-level device. The system further including a certification device configured to identify the at least one machine with a root certificate and configured to grant a sub-certificate to the at least one device of the machine. The certification device is further configured to sign the sub-certificate with the root certificate of the at least one machine in order to identify the at least one device as belonging to the at least one machine, and the sub-certificate is issued biuniquely for the at least one device.

Abstract: A technique for generating a diversified encryption key for a contactless legacy magnetic stripe card is disclosed. The diversified key can be generated using a master key, a key diversification value and an encryption algorithm. In one example embodiment, the key diversification value can be provided by the user as a fingerprint, numeric code or photo. The user can provide the key diversification value to the card or a cellphone. The card can generate the diversified key using the user provided key diversification value. The card or the cellphone can transmit the user provided diversification value to the server and the server can regenerate the diversified key using the user provided diversification value.

Abstract: A computer may be provided on a mining machine comprising a mother board, a power supply in operable communication with the mother board, an input/output interface in communication with the mother board, and a plurality of hash boards each in communication with the mother board and comprising a plurality of mining chips. The computer may execute instructions that cause the computer to perform establishing communication with an external device, retrieving at least one profit variable from the external device, calculating an estimated profitability of a first mining chip based on the profit variable, and adjusting a chip voltage supplied to the first mining chip and adjusting a chip frequency of the first mining chip to maximize the estimated profitability. Alternatively, the instructions may cause the computer to adjust the chip voltage and the chip frequency to maintain a temperature within a predetermined range.

Abstract: The disclosed technology is generally directed to blockchain technology. In one example of the technology, a modified block is provided in response to at least an edit transaction that indicates a transaction in an original block in a blockchain. The modified block includes: transactions of the original block except the indicated transaction, a hash of the indicated transaction, and a header that includes a link to a hash of a block that precedes the original block. A new block is provided. The new block includes a reference associated with the edit transaction, and that the reference may include a link to the modified block. Subscription metadata associated with subscribers to changes in the transaction is retrieved from a stored registry. The subscribers are caused to be notified of the edit transaction.

Abstract: A system, apparatus, method, and computer program product that enhances the efficiency and quality of matches between intellectual content generated by authors and published by peer-reviewed journals. Stable matches between works and stakeholders are modelled, in a nonbinding manner, via a stable-matching problem (Gale-Shapley) algorithm. Via bulletin-board systems acting upon deidentified data, the LONGITUDE function enables journal editors to proactively and reliably commit time and other resources to manuscripts that are most mature and otherwise meritorious. Via the SCRIMSHAW function, COMPASS assists authors in drafting and editing papers that are based on quality-control and journal author guidelines and hence more likely to be accepted by journals. Functions of COMPASS are divisible into two major domains: “matching” and “dispatching.” The “matching” is fulfilled by three subfunctions: LONGITUDE, DECK WEDDING, and FATHOM.

Abstract: Implementations of the present application provide data interaction and offline credit payment methods and devices. In one implementation, a credit payment code generated by a server is obtained by scanning and parsing a two-dimensional code presented on a mobile computing device for making a payment. The credit payment code is then decrypted based on asymmetric key decryption to obtain a credit payment token. The credit payment token is parsed to obtain security content included in the credit payment token. The payment associated with the credit payment code is then determined to satisfy the security content and the payment is verified with the server that generates the credit payment code at a predetermined time.

Abstract: Apparatus and methods for providing protection from economic exploitation. The apparatus and methods may include a platform for tagging a social security number and/or other suitable identification number. The system may allow a person associated with a social security number to automatically flag and deny any product or service request associated with the social security number. The alarms are “silent,” because the alarm may initiate an institution internal process in which the customer interaction with the institution follows a normal diligence process until an intervention can be effectively executed on behalf of the customer. This reduces the likelihood of a reaction from the customer's associate prior to completing the diligence process. A system may provide the customer with an opportunity to electronically activate an alarm by typing keystrokes on a card reader keypad or interacting with a physical sensor on the reader, on the card, or the like.

Abstract: An information processing system includes a vehicle, and a server communicable with the vehicle. The vehicle includes a first acquisition unit configured to acquire first vital information on a user who boards the vehicle. The vehicle is configured to transmit to the server the first vital information on the user acquired with the first acquisition unit. The server is configured to prestore first vital information and settlement information on a registered user, determine whether or not the user is the registered user based on the first vital information on the user received from the vehicle and the first vital information on the registered user, and execute, when determining that the user is the registered user, a settlement process based on the settlement information on the registered user.

Abstract: A system for authorizing a transaction includes one or more processors, and a memory storing instructions. When executed by the one or more processors, the instructions cause the system to perform operations including: receiving a configuration request associated with a financial service account via a web interface; setting a limitation in accordance with the configuration request; and generating a graphic indicium or a card number as a token for authorizing a transaction, associated with the financial service account, which satisfies the limitation in accordance with the configuration request. The token is configured to be printed on a substrate or loaded into an electronic payment system.

Abstract: This is directed to systems and methods for integrating hotel services in a single application available to a portable electronic device. Using the single application, a user can access and control hotel services before arriving at the hotel, upon arriving at the hotel, in the hotel room, in the local vicinity, and after leaving the hotel. Such services can include, for example, checking-in and checking out, purchasing in-room dining or in-room entertainment, making reservations at local restaurants or local attractions, scheduling hotel guest reminders, and controlling room setting either within the room or outside of the room.

Abstract: Various embodiments provide management of virtual goods. In some embodiments, a gaming platform can be used to provide a secure ledger system for recording money transfer, play action, bets, analytics, gaming statistics, and the like, which are associated with virtual goods. Non-limiting examples of virtual goods comprise: characters; badges/icons; gameplay attributes; virtual money; cryptocurrencies; tokens; digital gifts; gameplay levels/add-ons; and prizes, among other examples. In some examples, gaming systems can directly interact with the distributed multi-ledger architecture for secure and transparent transactions which can also be accessed by auditors, tax authorities, partners, and/or other entities. Some examples may use private and/or public blockchains as part of the distributed multi-ledger gaming architecture. For instance, multiple distributed network nodes may be utilized to manage transaction records.

Abstract: A method for processing transaction data, implemented by a communications terminal having a touch screen. The method includes: detecting a necessity of entering a piece of personal identification data; transmitting to a card reader connected to the communications terminal a request for supporting a display of a virtual keypad, the request comprising a piece of data representing a passage of the communications terminal from a “master” mode to a “slave” mode of operation, the slave mode leading to implementation of the method for processing transaction data under the exclusive control of the card reader; of entry, by the user on the virtual keypad, of the piece of personal identification data; and receiving, from the card reader, the piece of personal identification data.

Abstract: In an example, an ecosystem is disclosed that may facilitate digital exchange of a digital asset stored as a computer executable file. The ecosystem may include a plurality of participant systems, wherein the plurality of participant systems may include at least one of an asset user system, an asset holder system, and an asset mining system. The ecosystem may include an asset wrapper associated with the digital asset and configured in the form of a multi-layered structure and computer-executable document. The ecosystem may include a codec configured as a computer executable file and associated with the asset wrapper, wherein the codec may be executed when an external request for the asset exchange is initiated. The ecosystem may include a blockchain device to execute a blockchain smart contract for the asset exchange, wherein the smart contract is executed against a pre-defined number of right tokens characterizing a specific cryptocurrency-value.

Abstract: A method for managing payment submissions includes receiving, at an acquirer computing system, an authorization request submitted by a merchant computing system for a transaction of a predefined amount, the merchant computing system being associated with a merchant, and the authorization request identifying account information for an account that is associated with a payment card network and an issuer processor; and re-transmitting the authorization request for less than the predefined amount and greater than a configurable threshold value, until the authorization request is approved by the issuer processor or until the authorization request falls below the configurable threshold value.

Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, authorize initiated exchanges of data in real-time based on dynamically generated tokenized data. For example, an apparatus may receive first positional data identifying a first geographic position of a client device and based on the first positional data, the apparatus may determine a value of a parameter characterizing an exchange of data between the client device and a terminal device disposed proximate to the client device during a temporal interval. The apparatus may transmit data requesting a pre-authorization of the data exchange to a computing system, which perform operations that pre-authorize the data exchange in accordance with the parameter value and transmit a digital token representative of the pre-authorized data exchange to the terminal device. The digital token may be valid during the temporal interval and may include a cryptogram associated with the client device.

Abstract: There may be provided a computer-implemented method. It may be implemented using a blockchain such as, for example, the Bitcoin blockchain. The computer-implemented method includes: i) joining a congress by transferring, by a node operating in a proof-of-work blockchain network, one or more digital assets to a congress pool having one or more other digital assets associated with other members of a congress; ii) detecting, by the node, a special transaction of digital assets on the proof-of-work blockchain network to an address associated with the congress pool, the special transaction satisfying determined criteria; and iii) minting, by the node, one or more digital assets on a proof-of-stake blockchain network in response to detecting the special transaction.

Abstract: A sharing package data structure for the secure maintenance and sharing of information relating to a person with one or more parties is described. The data structure comprises: (1) a version of the data that has been encrypted in such a way that a data decryption key is needed to decrypt it; (2) a hash on the data decryption key; and (3) access control list entries each containing a version of the data decryption key that has been encrypted with a public key associated with a different party authorized to access the data. The contents of the data structure are usable to provide access to a decrypted version of the data to a party that is able to decrypt the encrypted data decryption key stored in one of the access control entries.

Abstract: A computer-implemented method associated with a payment service provided by a payment server, comprising processing, by the payment server, a payment for a point-of-sale (POS) transaction using a payment instrument associated with a user account maintained in a data store of the payment server. The payment server determines a reward configuration stored in the user account, wherein the reward configuration includes settings to reward the user account with cryptocurrency assets and is based on historical transaction activity associated with the user account. The payment server calculates an amount of cryptocurrency assets according to the reward configuration, wherein the amount of the cryptocurrency assets is based on a value of the cryptocurrency at a time of the transaction. The payment server assigns the amount of cryptocurrency assets from a cryptocurrency wallet of the payment service to a cryptocurrency wallet of the user.

Abstract: The present disclosure relates to methods for verifying users performed by at least one processor. The method for verifying users including transmitting, to a user terminal, a plurality of instructions that guide a user to perform a plurality of actions, receiving, from the user terminal, a video photographed in response to the plurality of instructions, determining presence or absence of the user in the video, and verifying the user based on a face of the user extracted from the video in response to a result of the determining indicating that the user is present may be provided.

Abstract: A non-transitory computer tangible medium containing instructions for securing a large data set within a Merkle Tree structure is disclosed in the present specification. The instructions include storing each data object of a large data set within a separate node of a Merkle Tree including within a root node, leaf nodes, and nodes interconnecting the root node to the leaf nodes. The nodes of the Merkle Tree may be blockchained together with multiple blockchains that all have an initial blockchain block based on the root node of the Merkle Tree and a final blockchain block based on one of the different leaf nodes. The Merkle Tree may have an order “O” that remains constant for each level of the Merkle B-Tree, or have an order “O” that varies for at least one level of the Merkle B-Tree from the remaining levels.

Abstract: Example methods, apparatus, systems and articles of manufacture (e.g., non-transitory physical storage media) to provide trust topology selection for distributed transaction processing in computing environments are disclosed herein. Example distributed transaction processing nodes disclosed herein include a distributed transaction application to process a transaction in a computing environment based on at least one of a centralized trust topology or a diffuse trust topology. Disclosed example distributed transaction processing nodes also include a trusted execution environment to protect first data associated with a centralized trust topology and to protect second data associated with a diffuse trust topology. Disclosed example distributed transaction processing nodes further include a trust topology selector to selectively configure the distributed transaction application to use the at least one of the centralized trust topology or the diffuse trust topology to process the transaction.

Abstract: Digital currency transfer is facilitated by a process that includes receiving an indication of a type and amount of digital currency to be transferred to a recipient as part of a digital currency transfer, and a specified public key of the recipient. The public key identifies a digital permanent wallet of the recipient's account. The process creates and stores a digital temporary wallet to temporarily hold the digital currency. This creates a transaction key uniquely identifying the digital currency transfer, and associates with the digital temporary wallet the transaction key and the public key. The process transfers the digital currency from the digital permanent wallet of the sender to the digital temporary wallet, and sends temporary wallet information of the digital temporary wallet, including the transaction key, for embodiment in a physical wallet to hold the digital currency and to be printed and transferred to the recipient.

Abstract: A method includes after a second terminal logs in to a cloud server using a first group account, acquiring schedule information stored in the cloud server, where the schedule information is information that is created by a first user who registers a first personal account, and is transmitted to the cloud server by a first terminal that logs in, using the first personal account, to the cloud server, when reminder time of the schedule information arrives, acquiring second biometric characteristic information of a second user who is using the second terminal, and when it is determined that the second biometric characteristic information is the same as first biometric characteristic information of the first user, presenting reminder information of the schedule information.

Abstract: To achieve a balance between convenience in managing/handling real estate properties and privacy protection of tenants while reducing the facility cost and operating cost. A real estate management system is equipped with: a camera robot 61 for capturing an interior image of a real estate property 3; a tenant side device 41 for controlling communications with the camera robot 61; an operation regulation unit 402c for regulating operation of the tenant side device 41 on the basis of an operation performed by a tenant of the real estate property 3; a communication service provider side device 7 connected to the camera robot 61 over a communication network and controlling a communication service using the camera robot 61; and a real estate manager side device 8 connected to the camera robot 61 over the communication network and executing a real estate management service using the camera robot 61.

Abstract: A method of identity authentication for VoIP call, used for a first communication device supporting SIP and blockchain transmission technology, the method comprising: requesting an identity signature from a second communication device during a SIP call establishment, receiving the identity signature transmitted by the second communication device, wherein the identity signature is generated by the second communication device according to a private key, querying a public key corresponding to the identity signature from a blockchain server, utilizing the public key to verify the identity signature when obtaining the public key from the blockchain server, so as to generate a verification result, and determining to continue or terminate the SIP call establishment based on the verification result.

Abstract: Methods, systems, and techniques for private identity verification involve obtaining a cryptographically secure commitment that is generated using a first user identifier and a private user identifier associated with the first user identifier; receiving, from an identity verification system, initial zero knowledge proof messages comprising the commitment; sending, to the identity verification system, a set of cryptographically secure known identifier commitments generated using a set of private user identifiers; receiving, from the identity verification system: (i) a zero knowledge proof response generated using the zero knowledge proof challenge; and (ii) proof that the private user identifier used in the initial zero knowledge proof messages comprises part of the set of private user identifiers; and verifying that the private user identifier used in the initial zero knowledge proof messages comprises part of the set of private user identifiers.

Abstract: Disclosed are various embodiments for closing pre-authorization amounts on a virtual token account. In one example, among others, a computing device is configured to generate a virtual token that is associated with a parent transaction account. An authorization request is received for a virtual token transaction, which is associated with the virtual token. A transaction request amount is compared to a virtual token balance of the virtual token. The authorization request for the virtual token transaction is authorized based on the comparison between the transaction request amount and the virtual token balance. The computing device determines not to expire the virtual token based on a comparison between the settlement variance and the virtual token balance. The settlement variance is adjusted based on the virtual token balance being within a threshold of the settlement variance.

Abstract: A resource transaction method is applied to a blockchain system including a blockchain database, a transaction node, at least one payment node, at least one resource providing node, and at least one resource request node. The method includes: generating a transaction settlement instruction after the resource request node requests a target resource from the resource providing node on the transaction node, transmitting the transaction settlement instruction to the payment node, determining, by the payment node, that the transaction contract is an actual transaction in case of finding the transaction contract corresponding to the transaction settlement instruction from the blockchain database according to the transaction settlement instruction, and a signature of the resource request node for this resource transaction exists in the transaction contract, and transmitting, by the payment node, a transaction payment request to the resource request node.

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: There are provided systems and methods for authentication depending on device capabilities and user requests based on situational information collected in advance of a device becoming non-operational. A user may wish to utilize some device process, such as access and use of a device application or other module. For example, a user may wish to utilize a payment application of the communication device, or authenticate the user using a service provider accessible through the communication device. If the communication device becomes non-operational (e.g., lack of power or signal strength), the user may be prevented from authenticating through the communication device. Thus, the user may establish a limited use authentication credential from situational data to the user and device (e.g., location or current image) that allows the user to authenticate with the service provider. The authentication credential may be limited to a location, amount, and/or type of authentication.

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: An expedited automated merchant boarding system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote enhanced payment management system (EPMS). The remote EPMS pre-boards anticipated POS terminal system components and records pre-boarding results information. The POS terminal system initiates merchant boarding by transmitting merchant account information. The remote EPMS receives merchant account information and establishes a merchant account. The POS terminal system utilizes protocol transactions including auto-boarding information to initiate auto-boarding with the remote EPMS. The remote EPMS auto-boards the POS terminal system utilizing received auto-boarding information and recorded pre-boarding results. The remote EPMS turns up selected payment management services for the merchant POS terminal system.

Abstract: A blockchain may be used to store transactions in an immutable ledger. The types of transactions may vary and the information from the transactions could be used to identify information about nodes in a particular network. One example operation may include one or more of identifying a number of nodes operating on a blockchain, determining a new blockchain transaction, and determining one or more of the nodes as having one or more characteristics based on the new blockchain transaction.

Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, dynamically authorize pre-stages data exchanges based on contextual data. For example, an apparatus may receive first data characterizing an initiation of a first exchange of data between a client device and a terminal device. Based on the first data, the apparatus may obtain second data that characterizes an expected initiation of a second exchange of data during a corresponding temporal interval, which may be specified relative to an initiation time of the first data exchange. The apparatus may generate and transmit, to a computing system, pre-authorization data that requests a pre-authorization of the second data exchange to a computing system. The pre-authorization data may include a portion of the second data and may instruct the computing system to pre-authorize the second data exchange in accordance with the second data.

Abstract: A system and method for enhancing digitally informed delivery of delivery items such as mail. The sender of a delivery item creates custom electronic text, files, images, web pages, or other electronic/digital resource(s) to provide to the recipient. A postage meter, a server of the delivery service, or the like creates a digital indicia that includes the digital resource, associating it with the delivery item. When the delivery item is processed by the delivery service equipment during transit, the digital indicia is read and the associated digital resource is are identified therefrom. The delivery service equipment transmits, to the delivery item recipient, an electronic notification indicating that the delivery item is en-route to the recipient, and also provides the associated digital resource. The recipient can then access the resource, e.g., the custom text, files, images or web pages associated with the delivery item.

Abstract: A method of conducting transactions between a customer device and a merchant device is presented. The method entails receiving login information from the customer device at a merchant venue, assigning a ticket to the customer device, receiving, from a merchant device, a predetermined amount of currency associated with the customer device, associating the predetermined amount of currency with the ticket, receiving, from the customer device, an approval to carry out a financial transaction for at least the predetermined amount of currency using a payment card number, and receiving, from a gateway, a notification that the financial transaction is completed using the payment card number.

Abstract: Technologies for unwrappable virtual egifts enabling recipients to redeem gift credits using payment accounts. In some examples, a system identifies a merchant associated with a giver, the giver being associated with a giver payment account and a recipient being associated with a recipient payment account. The system associates a policy with the gift credit and generates an image underlay identifying the gift credit and an image overlay hiding the image underlay and gift credit, the image overlay including a separable flap having a portion that appears unadhered to the image underlay, the separable flap being configured to trigger, in response to an input, an animated unwrapping effect that removes the image overlay to reveal the image underlay and gift credit. The system presents the image overlay and, in response to receiving the input, generates the animated unwrapping effect to remove the image overlay and reveal the image underlay.

Abstract: A system and method include receiving, by an authentication system, device data of a computing device used by a customer during a checkout process of a current transaction on a merchant website and contextual data of the customer. The system and method also include retrieving a customer token associated with a payment instrument of the customer, assigning the computing device a device score and the customer a customer score based on the device data and the contextual data, and computing an overall score from the device score and the customer score. The system and method further include determining from the overall score that the current transaction is not fraudulent before the current transaction is completed and auto-filling payment information of the payment instrument in the customer token during the checkout process of the merchant website to complete the current transaction upon determining that the current transaction is not fraudulent.

Abstract: Systems and methods are provided for authenticating a user. The method includes accepting, using a graphical user interface coupled to an electronic computing device, a login request from the user to access a remote server, wherein the login request includes biometric data of the user, using a non-tactile biometric scanner, and comparing, using a processor on an intermediary server, the biometric data of the user with biometric data stored in memory of the intermediary server, wherein the biometric data stored in the memory is associated with one or more known users. The method further includes determining, based on the comparison, whether an identity of the user is authentic, and if the identity of the user is authenticated, relaying the login request to the remote server.

Abstract: The present disclosure provides systems, methods, and computer program products for transmitting data to computing devices via audio communication channels. A computer-implemented method performed by one or more processing devices may include, for example, providing an audio token to a broadcasting device for broadcast via an audio communication channel, receiving the audio token from a user computing device, the audio token being received from the user computing device based on an audio broadcast of the audio token by the broadcasting device via the audio communication channel, and obtaining, in response to determining data that is associated with the received audio token, approval to process a payment transaction by at least in part transmitting the data to the user computing device.

Abstract: A computing system that includes at least one processor and at least one memory communicatively coupled to the at least one processor is disclosed. The computing system also includes at least one network interface communicatively coupled to the at least one processor and configured to communicate with a customer device and a trusted third party. The at least one processor is configured to derive, using a hashing function, a multi-approval transaction address in a customer wallet from a first public key derived from a first parent public key, a second public key derived from a second parent public key, and a third public key derived from a third parent public key. The at least one network interface is also configured to transmit the multi-approval transaction address to the customer device.

Abstract: Embodiments of the present invention disclose a method, a computer program product, and a computer system for entering a user input based on validating a user identity. A computer receives a user input and, provided the computer has received user consent, captures user data. In addition, computer extracts purported user identity data and determines whether the data of the purported user identity matches that captured. Based on determining that the user identity is validated, the computer enters the received user input and provides feedback regarding the user input. Based on determining that the user identity is not validated, the computer does not enter the received user input, provides feedback regarding the user input, and provides recourse or an opportunity to cure deficiencies causing the input not to be entered.

Abstract: An arbitraged enhanced payment processing system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a payment processing servicer. Upon receiving a payment processing servicer response, the payment management system outputs the response and token to the POS terminal system.