Abstract: Presently disclosed are devices and method for securely making payments using blockchain and non-blockchain components. The disclosure describes a blockchain layer which includes a transactional ledger for storing transactional information. Additionally, non-blockchain components may interact with the blockchain layer. For example, an application layer may include load balancer and application servers, API servers, a data vault, and a database, and may be used to interface between a user's electronic device and the blockchain layer. Sensitive user information, such as bank account information, social security numbers, etc., are stored in the non-blockchain components (e.g. the data vault) and are used to interface with the blockchain components to facilitate transactions.

Abstract: Presently disclosed are methods and devices for making secure payments from mobile devices. The methods and devices may be implemented, without limitation, for example in a retail setting, at a point of sale. Advancements disclosed herein include the establishment of a geo-fenced region surrounding the point of sale, systems for detecting the entry of a mobile device into the point of sale, communication channels between a mobile device positioned within the geo-fenced region and the point of sale as well as a back-end server, and the transmission and verification of PIN numbers from the mobile device.