Abstract: An age verification method performed at a mobile device comprises: receiving, from a point-of-sale terminal, a request for a payment credential, the request comprising a data element indicative of age requirement data; verifying, using at least one sensor, an identity of a user of the mobile device; responsive to said verifying, initiating, by a digital wallet application executing on the mobile device, an age verification request to a digital identity application, the age verification request comprising the age requirement data; generating a response message that comprises a response from the digital identity application to the age verification request; and transmitting, to the point-of-sale terminal, the response message and the payment credential for initiation of a transaction authorization request.

Abstract: A method for originating a vending transaction via machine-readable code includes storing, in a memory of a computing device, an account identifier associated with a transaction account, reading, by an optical imaging device of the computing device, a machine-readable code displayed on a vending machine, wherein the machine-readable code is encoded with at least a device identifier, electronically transmitting, by a transmitting device of the computing device, at least the device identifier and an account identifier to a third party system, and receiving, by a receiving device of the computing device, a transaction confirmation indicating approval of a payment transaction involving the transaction account and the vending machine.

Abstract: A method, performed by an initiator system, for securely initiating a checkout with an enrolled device includes the steps of receiving, from an untrusted device, a checkout request including a user identifier; determining whether the user identifier is associated with one of a plurality of enrolled devices in an enrolled device database; responsive to a determination that the user identifier is associated with an enrolled device, retrieving user data associated with the user identifier; sending, to the untrusted device, a request for instructions to perform a checkout with the enrolled device; receiving, from the untrusted device, instructions to perform the checkout with the enrolled device; generating a request to perform the checkout with the enrolled device; and initiating a checkout by sending, to a communication system, a request to initiate a checkout with the enrolled device over a secure communications channel.

Abstract: A computer-implemented method for configuring a mobile point-of-sale application to perform automated product-recognition checkout processes. The application includes a convolutional neural network including hidden layer n positioned downstream of remaining hidden layers and downstream of an input segment of the convolutional neural network. The method includes: appending a fine classification arm operating on output from hidden layer n and having a first loss function for generating output; appending a second classification arm operating on the output from one of the remaining n hidden layers upstream from hidden layer n and having a second loss function for generating output; providing a plurality of true labels for image subset(s) and applicable to at least one product class; and training the CNN by passing the image subsets therethrough, observing corresponding output of the first and second loss functions, and iteratively adjusting values of CNN model parameters based on the loss function outputs.

Abstract: A method for protection of data transfers for internet of things (IoT) devices using a blockchain includes: receiving, by a node in a blockchain network, a data message from an IoT device formatted according to an IoT messaging protocol and including a device identifier associated with the IoT device and encrypted data; generating a new block including one or more data values including the received data message; transmitting the generated new block to one or more additional nodes in the blockchain network; receiving a data request from an external device including an external identifier associated with the external device; verifying permission of the external device to access the encrypted data based on the external identifier and device identifier; and transmitting the encrypted data to the external device.

Abstract: A system for routing an identity validation request comprises at least one processor in communication with computer-readable storage, the computer-readable storage having stored thereon instructions for causing the at least one processor to: receive, from a requesting device, an identity validation request, the identity validation request comprising identity data and a payment credential; determine, from the payment credential, an issuer of the payment credential; transmit, to the issuer, a verification service request message that comprises the identity data and the payment credential; receive, from the issuer, a verification service response indicating whether or not the identity data has previously been associated with the payment credential; and based on the verification service response, transmit, to the requesting device, an indication as to validity of the identity data.

Abstract: Disclosed is a mobile electronic device platform for automated visual product recognition. As part of the platform, a mobile electronic device comprising a processing element and computer-readable media performs automated product-recognition processes based on input image frames received from a photographic element.

Abstract: The present disclosure generally relates to controlling operation of service devices.

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: A method for mediating an atomic swap includes: receiving a swap request from a first computing device including a first address associated with a first blockchain and a network identifier associated with a second blockchain; identifying a second computing device using the network identifier and a second address associated with the second blockchain; generating a proof value and a hashlock using the proof value; transmitting (i) the hashlock and second address to the first computing device, and (ii) the hashlock and first address to the second computing device; verifying a first blockchain transaction on the first blockchain for transfer to the first address, and a second blockchain transaction on the second blockchain for transfer to the second address; and transmitting the proof value to blockchains node associated with the first and second blockchains.

Abstract: A method for assisting wallet providers in regulatory compliance for blockchain transactions includes: receiving, by a receiver of a processing server, a new blockchain transaction from a first computing device, the new blockchain including at least a destination address associated with a blockchain wallet as a recipient for the new blockchain transaction; generating, by a processor of the processing server, a reference identifier for the new blockchain transaction; identifying, by the processor of the processing server, a profile for the blockchain wallet based on the destination address; transmitting, by a transmitter of the processing server, the reference identifier to the first computing device; and transmitting, by the transmitter of the processing server, a notification message to a second computing device, the notification message including at least the reference identifier and data associated with the blockchain wallet.

Abstract: The present disclosure generally relates to electronic systems and computerized methods for verification of transacting parties to process transactions. A payment network server receives details of a transaction fulfilled by an agent and generates a transaction identification plaintext. A first party keyset for the first transacting party and an agent keyset for the agent is identified. The server generates cryptograms and ciphertexts encrypted by the first party keyset and agent keyset and sends the cryptograms to the first transacting party and agent. An encrypted cryptogram contains an encrypted ciphertext which contains a plaintext representing the transaction identification plaintext. The ciphertexts are exchanged between the first transacting party and agent by a computer handshake for decryption. The plaintexts are extracted from the ciphertexts and compared against the transaction identification plaintext for verifying the first transacting party and agent.

Abstract: There is provided a method and system for carrying out two factor authentication, which renders an augmented reality environment or a virtual reality environment at the user device to depict an authentication object, and when a user interaction with the authentication object is detected, an authentication code received from an issuer server is displayed at the user device.

Abstract: A system for providing a service at a self-service machine having a device identifier and that does not have internet connectivity or that is in an off-line state includes: a validation server that stores the device identifier, the validation server being in communication with a mobile device of a user, but not with the self-service machine. The self-service machine is configured to: receive a selection of a service; generate a service request identifier for the selected service; add the service request identifier to a list of service requests to be fulfilled; and communicate, to the mobile device by a first direct communication method, service request data including the service request identifier, a terminal identifier of the self-service machine, and an address of a validation server.

Abstract: A method for acceptance of blockchain payment at a traditional point of sale device direct to a merchant includes: receiving an authorization request for a fiat payment transaction including a transaction account number, transaction amount, and merchant identifier; identifying blockchain payment acceptance for a transaction account associated with the transaction account number; transmitting an address request to an exchange server including the merchant identifier; receiving a destination address associated with the merchant identifier for a blockchain network from the exchange server; transmitting a new blockchain transaction to a blockchain node in the blockchain network including the destination address and a cryptocurrency amount based on the transaction amount; and transmitting an authorization response for the fiat payment transaction to a payment network for routing to a point of sale device, the authorization response including an indication that clearance and settlement of the fiat payment transacti

Abstract: A method for mediating an atomic swap includes: receiving a swap request from a first computing device including a first address associated with a first blockchain and a network identifier associated with a second blockchain; identifying a second computing device using the network identifier and a second address associated with the second blockchain; generating a proof value and a hashlock using the proof value; transmitting (i) the hashlock and second address to the first computing device, and (ii) the hashlock and first address to the second computing device; verifying a first blockchain transaction on the first blockchain for transfer to the first address, and a second blockchain transaction on the second blockchain for transfer to the second address; and transmitting the proof value to blockchains node associated with the first and second blockchains.

Abstract: An inventory management server is provided. The inventory management server includes at least one processor, and at least one memory. The at least one memory includes computer program code configured to cause the inventory management server at least to receive tracking data assigned to a product from a payment network, interrogate a mapping table containing assigned product to tracking data information, for the presence of the received tracking data, update an inventory database of the product stocked at the merchant inventory in response to detection of the presence of the received tracking data, and transmit acknowledgement data indicative of the inventory database update. The tracking data is transmitted by a merchant via a payment terminal in communication with the payment network.

Abstract: A foreign currency transaction system and method can allow both users and merchants to carry out foreign currency transactions without using a point-of-sale (POS) device. In addition, users can carry out foreign currency transactions without knowing much of a foreign language in order to engage with a merchant in a foreign country. In addition, a user may lock-in a foreign currency exchange rate so that the user is able to have some certainty in relation to the foreign currency transaction, and can simplify the use of payment cards for foreign currency transactions by capturing an electronic image of a pricing indicator at a juncture of initiating a foreign currency transaction, and processing the electronic image to automatically determine a required payment amount represented on the pricing indicator.

Abstract: A method and system are presented for making a secure payment transaction using a payment card associated with a consumer which has been registered with a digital wallet. A secure server is arranged, in response to a request from a merchant server in relation to the consumer, to extract from the digital wallet payment credentials for the payment card. The secure server uses the payment credentials and the identity of the merchant server to generate a token. The token is provided to the merchant. To effect a payment transaction, the merchant server returns the token to the secure server with details of the desired payment transaction, and the secure server arranges for the payment transaction to occur, and notifies the merchant server. The merchant server does not receive the payment credentials of the payment card during this process, so even if its security is compromised, the payment credentials are not at risk.

Abstract: Mobile payment systems and methods for vending machines can include a mobile payment system comprising: a vending server module that is configured to: generate a unique session identifier in response to receipt of a unique machine identifier associated with a vending machine and a price of a product to be purchased from the vending machine; receive a mobile payment request from a mobile device, the mobile payment request comprising payment credentials, the unique session identifier, the unique machine identifier and the price of the product; and generate a vending authorization message on a condition that the mobile payment request is approved, the vending authorization message comprising instructions for the vending machine to dispense the product.