Abstract: A protected stream manager includes one or more subsystems to receive a content stream in a virtual environment, obfuscate the content stream, and prioritize use of a processor to process the content stream.

Abstract: Disclosed are computer-implemented methods, non-transitory computer-readable media, and systems for processing blockchain transactions. An example of a computer-implemented system includes a storage subsystem including one or more storage devices that store blockchain data, and one or more processors configured to support a first thread pool and a second thread pool. The second thread pool is dedicated to the storage subsystem. The system receives M blockchain transactions and executes N blockchain transactions out of the M blockchain transactions in parallel using K threads of the first thread pool. For blockchain transactions distributed to each one of the K threads, one or more coroutines are used for each blockchain transaction so that the blockchain transactions are executed asynchronously using the coroutines. A blockchain block is generated to include the M blockchain transactions and added to a blockchain stored in the storage subsystem.

Abstract: As the world progresses towards a 100% cashless payment society, there has been a rise in the various forms of emerging payment technologies. Such technologies may include digital wallet payment applications. There is a need for a plug and play, universal protocol that would bridge the gap between these various emerging payment technologies and their respective proprietary ecosystems. The plug and play universal protocol would be deployed in each money transfer ecosystem and would be responsible for forwarding money to an account/wallet external to the ecosystem. There is also a need for a hardware digital wallet that interacts with the bridging protocol, merchant POS terminals and other transaction processing systems.

Abstract: Certain exemplary embodiments relate to techniques for processing PIN-inclusive transactions in connection with an electronic device or terminal, e.g., where PIN code encryption keys are not necessarily stored on the electronic device or terminal, and/or where payment instrument data is maintained in a separate system from PIN code data at least until certain elements are combined in a highly secure system for submission to an electronic funds transfer network. One or more separate or physically separated systems may be used in this regard, e.g., taking advantage of more prevalent computer networks such as the Internet. Similarly, the ability to provide less expensive terminals or electronic devices at a point-of-sale, point-of-purchase, etc., may be advantageous. The interchange rate is not necessarily driven up in certain example instances.

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.

Abstract: Systems and methods are provided to identify payment data and desensitize the data by a secure card reader. Desensitization of the payment data may include replacing sensitive information such as discretionary data with zeroes or other predetermined values. Desensitization may also include replacing sensitive information with fraud detection data such as merchant identifying information. Desensitization of the payment data may leave certain payment data intact for customer tracking or other non-payment related purposes.

Abstract: A fraud detection system that converts personal identification information into an irreversible code, acquires transaction information that includes transaction terminal identification information, stores the acquired transaction information in a transaction information storage unit, and calculates a respective transaction estimation value for a future transaction for each transaction terminal and each irreversible code, on the basis of the transaction information stored in the transaction information storage unit. When new transaction information is acquired the fraud detection system calculates a degree of deviation for the new transaction information on the basis of the transaction estimation value for the irreversible code and the transaction estimation value for the transaction terminal which are in accordance with the transaction terminal identification information included in the new transaction information, and outputs alert information when the degree of deviation is large.

Abstract: Embodiments of the invention relate to efficient methods for authenticated communication. In one embodiment, a first computing device can generate a key pair comprising a public key and a private key. The first computing device can generate a first shared secret using the private key and a static second device public key. The first computing device can encrypt request data using the first shared secret to obtain encrypted request data. The first computing device can send a request message including the encrypted request data and the public key to a server computer. Upon receiving a response message from the server computer, the first computing device can determine a second shared secret using the private key and the blinded static second device public key. The first computing device can then decrypt the encrypted response data from the response message to obtain response data.

Abstract: Methods, computer program products, and systems are presented and can include for instance: The method can include for example, establishing a permission that authorizes a second shopper to act on behalf of a first shopper, the first shopper having a profile that includes first shopper information stored in a secure computing environment; and performing a transaction based on one or more input of the second shopper, the transaction using content of the first shopper information stored in a secure computing environment, wherein the second shopper is restricted from accessing one or more information item of the first shopper information stored in a secure computing environment.

Abstract: The present invention relates to a system and a method for authenticating an electronic money using a smart card and a communication terminal. The present invention provides a system and a method for authenticating an electronic money, wherein the system comprises a smart card and a communication terminal. The smart card takes biometric signature from a user as an input, transmits recognition completion information to the communication terminal when the biometric signature inputted by the user matches the stored biometric signature, receives an update command from the communication terminal, updates the amount of stored balance data, and transmits an update completion message to the communication terminal. The communication terminal is connected to the smart card in a wired or wireless manner, and transmits the update command to the smart card upon receipt of the recognition completion information.

Abstract: 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 remote virtual electronic payment (VEP) entity system. Upon receiving a VEP entity system response, the payment management system outputs the response and token to the POS terminal system.

Abstract: The present invention relates to a system and a method for authenticating an electronic money using a smart card and a communication terminal. The present invention provides a system and a method for authenticating an electronic money, wherein the system comprises a smart card and a communication terminal. The smart card takes biometric signature from a user as an input, transmits recognition completion information to the communication terminal when the biometric signature inputted by the user matches the stored biometric signature, receives an update command from the communication terminal, updates the amount of stored balance data, and transmits an update completion message to the communication terminal. The communication terminal is connected to the smart card in a wired or wireless manner, and transmits the update command to the smart card upon receipt of the recognition completion information.

Abstract: Systems and methods for multi-merchant tokenization may include receiving a transaction from a point of sale terminal of a merchant, validating the merchant ID against merchant logs, and generating a token for the transaction. The token includes a primary account number, expiration, and a group ID. Additionally, the system provides the primary account number to a payment system and receives a response back. The response is then output back to the merchant along with the token. In subsequent transactions, the system may receive the token from a one point of sale terminal of the merchant. The system validates the merchant ID against merchant logs and ensures the merchant is configured for tokenization. The token is decrypted and the group ID is compared to the merchant ID in the merchant logs. When they match, the primary account number is provided to the payment system for approval.

Abstract: A computer server includes a processor that is configured to receive an incoming authorization request that includes an original numeric value and an identification number, and locate a profile that is associated with the identification number. The located profile includes at least one adjustment criterion. The processor is configured to determine a primary numeric value and a secondary numeric value from the original numeric value and the adjustment criterion, confirm that the secondary numeric value is not greater than a balance value in a loyalty points account associated with the identification number, and reduce the balance value in the loyalty points account by the secondary numeric value. The processor is configured to, after confirming the secondary numeric value, generate a revised authorization request and transmit the revised authorization request to an authorization server. The revised authorization request includes the identification number and the primary numeric value.

Abstract: A method for leveraging email to complete an online transaction from a third party vendor, the method comprising: storing customer information, the customer information including a customer name, customer email address, customer shipping address, and customer billing information. The method further comprises receiving an authorization request from an application programming interface associated with a third party vendor requesting access to a portion of the customer information and receiving confirmation from a customer to allow the third party vendor to access the portion of the customer information. The method further comprising transmitting an access code to the third party vendor and receiving a request message from the third party vendor, wherein the request message comprises the access code, and wherein the request message requests an authorization token. The method may further comprise confirming the received access code and transmitting an authorization token to the third party vendor.

Abstract: A method for generating tokens for use in an email-based e-commerce transaction between third party vendor and a customer that is facilitated by a payment server is disclosed. The method may comprise generating a token for use with an email checkout, wherein the token comprises a customer name, and customer email address. The processor may generate an email message for at least one recipient, the email message including a mailto hyperlink including the token, wherein the mailto hyperlink generates an email response message addressed to the payment server including the token. The method may comprise receiving a notification from the payment server indicating that the at least one recipient that the email response message was successfully received by the payment server and the email-based e-commerce transaction is successful.

Abstract: Systems and methods which are adapted to generate multiple indicia in a single secure environment session are described. Embodiments provide for generation of a plurality of postage indicia in a single postage security device (PSD) transaction, whereby the PSD loads and unloads corresponding virtual PSD information a single time for generating the plurality of postage indicia (i.e., in a single secure environment session). The indicia generated in a same secure environment session according to embodiments of the invention may comprise a plurality of indicia requested by a same, single user. Additionally or alternatively, the indicia generated in the same secure environment session may comprise a plurality of indicia requested by multiple different users.

Abstract: Certain embodiments involve data security. For instance, Records having sensitive information can be transformed to generate transformed data using a hashing algorithm. An electronic communication comprising content can be received. Transformed content can be generated by transforming the content. The transformed content can be compared to the transformed data. The transformed content can be determined to match at least one of the transformed records. The electronic communication can be prevented from being transmitted to a network.

Abstract: Methods and systems are disclosed for enabling the creation of substitute low-value token creation, comprising providing software content to a content delivery network wherein, when transmitted to a user browser, the software content is configured to enable the user browser to create a substitute low-value token if a token service is unavailable, wherein the content delivery network is configured to provide the software content to at least one user browser, and receiving the substitute low-value token from a merchant system, the substitute low-value token having been generated by the user browser in response to the user browser being unable to obtain a low-value token from the token service.

Abstract: A computerized network links individual lay users, referred to as “standard users,” with qualified professionals in one or more disciplines, such as law, medicine, engineering, accounting and architecture, who are referred to as “participating professionals.” Business entities, such as corporations, partnerships and limited liability companies, can also participate as “enterprise users,” with linkage through the network to both standard users and participating professionals. The network enables standard users, participating professionals and enterprise users to communicate, share information, conduct studies, and negotiate and/or create documents relating to the professional disciplines.