Abstract: A payment transaction method is provided comprising: providing a 2-dimensional coded representation to a payment giver for identifying the payment receiver; providing a code recognition device to recognize the 2-dimensional coded representation as being associated with the payment receiver; commencing a payment transaction from a payment giver to the payment receiver; wherein the 2-dimensional coded representation is provided to the code recognition device using a non-visual interaction channel, and the 2-dimensional coded representation is recognized using non-visual scanning. Alternatively or additionally, a push request database may be provided which allows a selection to be made between payment using a push request or payment using a 2d coded representation. This selection may be performed by the payment giver, the payment receiver or an arbiter.

Abstract: A method, an electronic device, and computer readable medium for payment authentication are provided. The method includes receiving a device user authentication. The method also includes receiving a payment request. The method additionally includes determining whether one or more payment conditions corresponding to the device user authentication are satisfied upon receipt of the payment request. The method further includes authorizing a payment application to process the payment request when the one or more payment conditions is satisfied.

Abstract: Embodiments of the present invention relate to systems and methods that allow users to use their communication devices to perform transactions (e.g., payment transactions, access transactions, etc.). To complete a transaction, a resource provider electronically generates a code representing transaction data and displays it on an access device. The user scans the code with his or her communication device using a camera associated with the communication device, for example. The code is interpreted by an application on the communication device. The user may request and receive a token at the communication device corresponding to sensitive information selected to perform the transaction (e.g., a primary account number). The user may then provide the token and the transaction data via the communication device to a server computer, which may facilitate completion of the transaction between the user and the resource provider using the transaction data and the token.

Abstract: The present disclosure involves solutions for dynamically connecting a customer-owned mobile device, a cloud-based service, and one or more particular physical payment devices located at an entity. In one example, as executed at a cloud-based payment service, a unique identifier associated with a location of a mobile device of a customer is received. An entity and a first location within the entity is determined based on the unique identifier, and a particular payment device at the entity is determined. The cloud service transmits, to the particular payment device, information to be used by the particular payment device to perform the payment transaction. A second signal is transmitted to the mobile device of the customer, and includes an indication of the particular payment device at which the payment transaction is to be completed. The payment transaction can then be completed at the particular payment device.

Abstract: Payment authentication using OS-based (operating system-based) and issuer-based authenticator applications is provided. The described authenticator applications perform processes including managing a resource with information about registered users; receiving user identifiable information; authenticating a user using the user identifiable information and the information stored in the resource; upon authenticating the user using the user identifiable information and the information stored in the resource, generating a key tied to existing biometric authentication of the user and mapped to the user identifiable information; and communicating with a support server to provide the key and a notification of a potential transaction.

Abstract: A computing system includes a network interface circuit and a processing circuit comprising one or more processors coupled to non-transitory memory storing instructions that when executed by the one or more processors, cause the processing circuit to generate a first code displayable for capture by a customer device associated with a customer, generate a second code confirming an identity of the customer, provide the second code to a mobile device, receive customer information and an indication of a capture of the first code from the customer device, in response to receiving the second code from the customer device within a predefined parameter of the receiving of the customer information and the indication of the capturing of the first code from the customer device, analyze the customer information, and in response to verifying the customer information based on the analysis, cause an activation on behalf of the customer.

Abstract: There are provided systems and methods for time sensitive geo-location data for push notifications after shared transaction processing. A user may utilize a communication device to perform electronic transaction processing for a group of users at a location. The device may be geo-location enabled so that a service provider may detect a location of the device. Based on the geo-location of the user at the time of processing and other nearby geo-location enabled device, the service provider may determine other users that share in the transaction and are associated with the user using messaging connections and shared data transmissions. The service provider may determine the transaction that the user processed. The service provider may request that the other users provide the required reimbursement to the user that processed the transaction data. The other users' devices may receive a push notification and data to perform transaction processing.

Abstract: This invention relates to Banking, National Security and Governance with BIOMETRIC UNIQUE COMBINATION IDENTIFICATION SYSTEM and in particular, this invention relates to Banking, National Security and Governance with BIOMETRIC UNIQUE COMBINATION IDENTIFICATION SYSTEM which will provide paperless, fraud less, ultra secure, convenient, cheap, fast, affordable banking, enhance National Security and provide good governance to all since it will completely eradicate the possibility of having more than one identity. Furthermore, this invention also relates to Banking, National Security and Governance with BIOMETRIC UNIQUE COMBINATION IDENTIFICATION SYSTEM which has the advantages of being simple in structure and convenient to use and install, improving the filling efficiency, reducing manual costs and the like.

Abstract: Methods, systems and apparatuses, including computer programs encoded on computer storage media, are described herein to manage transactions relating to assets, such as carbon dioxide (“CO2”) offtake agreements, via a distributed ledger system. The platform may allow for authorized users to create large bundles of CO2 offtake agreements, transfer offtake bundles to other users in exchange for payment, create and issue securities backed by offtake bundles and/or manage various payments and contractual obligations relating to the same.

Abstract: Disclosed are CodeChain-based models, apparatuses, systems, methods, and applications. When implementing interaction based on CodeChain, each digital person has identity information, the identity information corresponding to a person represented by the digital person and/or the terminal device used by the person; the method comprising: identifying, by the terminal device, a coding medium generated according to a CodeChain access protocol so as to enable the digital person to access a CodeChain network on behalf of the person; and performing data transfer with another digital person and/or system according to entrustment of the person. Through identification of the coding medium, the access address of the code chain server is obtained, and then the address of the server which actually provides services is obtained from the CodeChain server, such that the service is obtained by providing a service parameter as required.

Abstract: A method of communicating a token to a mobile device includes a server or computing device issuing a token, the token defining a bond for a transaction associated with a vehicle and associated with an entity. The method also includes transferring the token to a mobile device. The token can then be communicated from the mobile device to a point of sale (POS) device to enable completion of the transaction associated with the vehicle.

Abstract: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal representing a request to perform an operation from a user; determine that the user does not have a persistent account; and when it is determined that the user does not have a persistent account: obtain, via the communications module and from a digital identity network, a signal including verified identity data of the user; generate a temporary data record and associate the temporary data record with the verified identity data of the user; receive a value transfer based on the requested operation and store the received value in the temporary data record; and perform the operation using the stored value in the temporary data record.

Abstract: A method of performing a funds transfer includes receiving a request for a cryptogram and generating an authentication code. The authentication code is divided into a first code portion and a second code portion. The first code portion is transmitted to a user device. The second code portion is transmitted to a transaction originator. A request for transaction data is received, including both code portions. The authentication code is verified based on the two code portions. A cryptogram is generated and transmitted to the transaction originator.

Abstract: An ATM equipped with forensic card reader identification validation is provided. The ATM may include a real ID card slot. The real ID card slot may accept real ID cards. The ATM may include a call communications module. The call communications module may communicate with a third-party network. Upon insertion of a real ID card at the ATM, the ATM may retrieve security details from the real ID card. The ATM may transmit the security details to the third-party network via the call communications module. The third-party network may verify the security details with one or more databases which are accessible by the third-party network. Upon failure to verify the security details, the third-party network may transmit a failed verification response to the ATM.

Abstract: A system includes a processor and a non-transitory computer readable medium coupled to the processor. The non-transitory computer readable medium comprises code that when executed by the processor, causes the processor to receive a money transfer amount indicative of an amount of funds to be transferred to a recipient. The processor generates a key code associated with the money transfer amount that is provided to a user of the system and given to the recipient by the user. The key code is programmed by the processor to enable the recipient to use the key code to redeem the amount of funds associated with the money transfer amount.

Abstract: Systems and methods for autonomously dispensing items. A dispensing system receives a first distributed ledger transaction that: i) identifies an item, ii) identifies a container associated with and containing the item, iii) includes a status indicator in a first state identifying the item as present in the container, and iv) includes an authorization code associated with a mobile device. The authorization code is received from the mobile device. The dispensing system creates a second distributed ledger transaction based on the first distributed ledger transaction that changes the status indicator to a second state identifying the item as authorized for dispensing. Responsive to the creation of the second distributed ledger transaction, access is autonomously provided to the item. The dispensing system creates a third distributed ledger transaction based on the second distributed ledger transaction that changes the status indicator to a third state identifying the item as dispensed.

Abstract: A prepaid electronic funds transferring system, components, and method is provided for users that do not have checking or savings accounts. A user has a digital currency store such as, for example, in a non-checking non-savings prepaid account associated with a secure unified prepaid banking card and/or smartphone app. Interest may be provided by an issuer on funds in the digital currency store. Debit and credit transactions may be processed. NFC and UWB geo-locating can be used to find lost cards and/or the mobile device on which the app is loaded. Electronic transactions may be received and performed without requiring a recipient to download an app. Secure semiconductors may facilitate wireless and non-wireless communications with ATMs and POS machines. QR codes may identify accounts, constitute private/public encryption keys, or other relevant info. A cold storage or hot storage system may be implemented for the digital currency store.

Abstract: Systems and methods are provided for triggering delayed transaction processing when certain transaction gateway problems are detected across a number of transactions. To complete a given transaction, a processing system may coordinate transfer of funds in a manner that includes communications among multiple third-party systems, such as a tokenization service or token vault, a payment gateway, and a bank or credit card processor. When there are connectivity or other problems with one of these other systems, a system and associated methods are provided for selectively delaying a subset of transactions while still providing some assurance to the transaction requestor and recipient that the transaction will proceed.

Abstract: A sensor device for conducting electronic transactions from a vehicle including a housing including an RFID circuit operably connected to an RFID antenna, a short range communication device, the RFID circuit and short range communication device operably connected to a processor, and a power supply. The sensor device is wirelessly connectable to a mobile communication device via the Bluetooth chip and the mobile communication device runs a software application. The RFID antenna is adapted to receive a wireless signal from a transmitter. Responsive to the wireless signal, the processor causes the short range communication device to wirelessly communicate with the mobile communication device to initiate a transaction.

Abstract: A touchless method and system of performing an authentication of a person in order to permit access to a secured resource is disclosed. The system and method are configured to collect channel state information associated with a person as they pass through a sensor zone and identify a biometric signal for the person. The system detects whether there is a match between the biometric signal and any biometric signals previously collected and stored in a database. If there is a match, the system verifies an identity of the person and can be configured to automatically grant the person access to one or more services, features, or locations for which he or she is authorized based on the authentication.