Abstract: Examples described herein include systems, methods, instructions, and other implementations for data security. One example includes receiving a status inquiry associated with a secure transaction, a merchant system, and a client device. The status inquiry is processed to determine that the merchant system associated with the status inquiry has been previously validated and that the status inquiry is from the merchant system. Then, in response to the determination that the merchant system has been previously validated, postback data including a tokenized client account number associated with client information is accessed and the tokenized client account number is transmitted. The tokenized client account number facilitates processing the secure transaction without the merchant system having access to the client information.

Abstract: Disclosed are a wallet system and a transaction method. The wallet system includes a communication node, a scheduling node, and at least one backup node, where each node stores one private key, and all the private keys are for a same account. First, the communication node generates a transaction request based on received payment transaction information and sends the transaction request to the scheduling node. Next, the scheduling node selects a plurality of nodes as signature nodes in response to the transaction request, and after scheduling private keys of the signature nodes to sign a payment transaction one by one, the scheduling node generates signature success information and feeds the signature success information back to the communication node. Finally, the communication node performs a payment transaction operation after receiving the signature success information.

Abstract: The Compliance Commerce Transaction Management Apparatuses, Processes and Systems (“CCTM”) transforms entity onboarding application input, assessment data, authentication data inputs via CCTM components into entity onboarding application output, entity compliance datastructure, transaction compliance datastructure outputs. An entity object identifier of an entity object flagged for compliance monitoring is obtained. A set of compliance monitoring criterion objects and a range of previous compliance datastructures to utilize for the entity object are determined. A set of previously stored compliance datastructures is retrieved and their cryptographic signatures are verified. Updated entity assessment data corresponding to a set of deficient entity assessment data is obtained. Each factor of compliance rule specified in the set of compliance monitoring criterion objects is evaluated. A dimension compliance score is calculated for each dimension of compliance data channel.

Abstract: A computer-implemented method of generating a transaction for a blockchain, the transaction being for transferring an amount of a digital asset from a first party to a second party. The method comprises generating a first transaction comprising an output locking the amount of the digital asset, the output comprising an output script comprising a plurality of criterion components each requiring a respective input data item, and a plurality of counter script components. Each criterion component is associated with one of the counter script components. The output script is configured so as to, when executed alongside an input script of a second transaction, i) increment a counter each time a respective criterion component is satisfied by a respective input data item of the input script, and ii) to require the counter to increment to at least a predetermined number in order to be unlocked by the input script.

Abstract: Systems and methods are disclosed for executing an electronic transaction using a digital wallet. One method includes receiving electronic transaction information from an electronic transaction browser. An account enrollment status may be determined based on the electronic transaction information by a digital wallet system. The digital wallet system may generate a verification request based on the account enrollment status. The digital wallet system may receive user verification information via the graphical interface. The digital wallet system may also generate or verify a user account in the digital wallet system based on the account enrollment status and the user verification information. In one aspect, the digital wallet system may receive a request to complete an electronic transaction based on the electronic transaction information received from the electronic transaction browser.

Abstract: A computing platform having at least one processor, a memory, and a communication interface may receive, via the communication interface, a transaction request from a participant. The computing platform may identify a user and one or more linked digital wallets associated with the transaction request. The computing platform then may execute an algorithm for comparing the transaction request to predetermined criteria associated with the one or more linked digital wallets. The computing platform may establish, via the communication interface, a first connection with a user computing device and, while the first connection is established, transmit to the user computing device transaction information which, when executed by the user computing device, causes a notification to be displayed on the user computing device.

Abstract: A processor-implemented method is disclosed. The method includes: receiving, via a terminal device, input of a first password during a card session that begins when a value transfer card is inserted into the terminal device, the value transfer card being associated with a plurality of passwords; verifying that the first password is a valid password associated with the value transfer card; identifying at least one card control setting associated with the first password, the at least one card control setting being a setting that is not associated with another one of the plurality of passwords; and processing a transaction initiated at the terminal device based on the identified at least one card control setting.

Abstract: Systems and methods for one-click payments are disclosed. A method may include a backend for a financial institution: receiving, from a user electronic device, enrollment of a user in a payments process; generating a token comprising an identification of an API exposed to the backend; communicating the token to the user electronic device; receiving, from a content provider, enrollment of the content provider in the payments process; receiving, at the API, an identifier for the content provider, a cost for content provided by the content provider, and the user identifier; transferring the cost from the user account to the content provider account; and notifying the content provider of completion of the transfer, wherein the content provider is configured to make the content available to the user electronic device after completion of the transfer.

Abstract: The present solution relates to a system and methods to management a network where participate at least a bank, at least a client, and at least a regulatory body, whereas a series of operating protocols of said network, comprising; the creation of a cryptographic asset mirror of cryptocurrency, a management interactive node of said cryptographic asset. A crypto-assets clearance chamber for this solution is also disclosed.

Abstract: Decentralized computer systems and methods are disclosed for hyperledger-based payment transactions, alerts, and dispute settlement, using smart contracts. One method includes: receiving transaction information comprising transaction data of transaction attributes for a transaction for a good or service originating at a merchant; storing the transaction data of the transaction attributes for the transaction, in a smart contract generated or updated by a smart contract application; deploying the Smart contract into one or more blockchain networks, wherein at least one of the one or more blockchain networks; performing one or more iterations of enabling, using an inter ledger protocol, to transfer at least some of the transaction data of the transaction attributes of the transaction to another of the one or more blockchain networks, wherein each of the one or more blockchain networks serves one or more business functions of the transaction.

Abstract: A method is disclosed. The method includes generating, by a communication device during an interaction with an access device, a cryptogram using transaction level data and interoperability level data; transmitting the transaction level data and interoperability level data to the access device; and transmitting the cryptogram the access device, wherein the access device or a remote server computer in communication with the access device validates the received cryptogram before allowing the transaction to proceed.

Abstract: A method for providing consent for provisioning data in an opaque blockchain, includes: receiving, by a receiver of a processing server, a consent request for data associated with the processing server stored on a blockchain, the consent request including at least two digital signatures, where a first digital signature is generated by a regulating entity and a second digital signature is generated by a moderating entity in the blockchain network; validating, by a processing device of the processing server, the first digital signature and the second digital signature; digitally signing, by the processing device of the processing server, the received consent request using a private key of a first cryptographic key pair; and transmitting, by a transmitter of the processing server, the digitally signed consent request to the regulating entity.

Abstract: The present application provides a payment processing system and method, wherein the system comprises: a merchant terminal reading a user code of a user terminal to generate a transaction order and sending the order to an acquirer; the acquirer generating a payment request according to the order, sending the request to the clearing institution, and the clearing institution forwarding the request to an account institution according to the user code; the account institution making user funds deduction according to the request and returning payment processing result notification information to the clearing institution, and the clearing institution forwarding the information to the acquirer and an e-wallet backend system at the same time; the e-wallet backend system sending the information to the user terminal and the user terminal displaying a payment result, and the acquirer receiving the information forwarded by the clearing institution and the merchant terminal displaying the payment result.

Abstract: Math-based currency (“MBC”) transactions are inherently quasi-anonymous. Systems and methods of registering customers with a financial institution for the purposes of opening a MBC account are described. During the registration process, the financial institution gathers and stores certain information relating to the customers having MBC accounts. This information may later be used to provide verification of MBC transactions to other parties involved in the MBC transactions.

Abstract: Decentralized computer systems and methods are disclosed for efficient transaction dispute management using blockchain. One method includes: receiving transaction information of a transaction, wherein the transaction information includes (1) an identifier of an issuer of a payment source account, (2) an identifier of an acquirer of a payment account of a merchant, and (3) the amount of resources to be applied in the transaction; generating a blockchain entry that stores the received transaction information in a shared ledger to participants of the blockchain; receiving in the shared ledger, from a participant, (1) an indication of a dispute of the transaction information, and (2) a proposed change to the transaction information; prompting the participants of the blockchain to respond to the indication of the dispute; if one of the participants denies the proposed change, executing a dispute settlement process to determine a revised transaction information.

Abstract: A computing system receives a code that is generated based upon an image of an iris of a first user. The image of the iris of the first user is captured by way of an iris scanning device that is under control of a second user. The computing system executes a search over a plurality of codes stored in a data store based upon the code, where the plurality of codes are generated based upon images of irises of a plurality of users. The computing system determines whether the code is included in the plurality of codes based upon search results for the search. Based upon a determination that the code is not included in the plurality of codes, the computing system causes an amount of cryptocurrency to be transferred to a cryptocurrency wallet of the first user.

Abstract: In some embodiments, storing mutable user data in a Non-Fungible Token (NFT) may be facilitated. In some embodiments, user specific information for a user may be received. The user specific information may comprise data for a plurality of data fields. A status parameter for each data field of the plurality of data fields may be generated, where the status parameter is related to the accuracy of data for a respective data field. The system may generate, via a blockchain platform service, an NFT comprising the plurality of data fields and the status parameters. The system may then determine whether data associated with a first data field is (i) current based on a first status parameter and (ii) mutable. In response to determining that the data associated with the first data field is (i) not current and (ii) mutable, a first action may be performed.

Abstract: The disclosure proposes a method in a first device comprising a transaction history and a generation counter, this device processing transactions with a second device. During a current transaction: receipt of data comprising a public key of the second device, a second generation counter and an identifier of the current transaction; verification that the first and second generation counters coincide; verification that the history comprises an input associated with the public key; approval of the current transaction if the transaction identifier satisfies a condition indicating the uniqueness of the current transaction; storage in the history of a new input with the public key; and update of an account balance to pay a credit to an account. The method also comprises: detection of a risk of saturation of the memory of the first device; update of the first generation counter and eviction of the memory.

Abstract: Systems, computer program products, and methods are described herein for implementing layered authorization platform using non-fungible tokens. The present invention is configured to electronically receive, via a user input device, a document designated for notarization and an identification credential from a user; crawl through a distributed ledger to determine a non-fungible token (NFT) for the identification credential; retrieve, from the distributed ledger, the NFT for the identification credential; capture, via the user input device, a signature of the user on the document designated for notarization to create a signed document; generate, using an NFT generator, an NFT for the signed document; link the NFT for the signed document with the NFT for the identification credential; and record the NFT for the signed document in the distributed ledger.

Abstract: A method comprising: providing a first transaction specifying an output amount of a digital asset to greater than pointed to by its inputs, wherein an output of the first transaction comprises a locking script specifying a condition; over a side channel, receiving an input from each of multiple users, and adding each received input to the first transaction; and once a target is reached, whereby the total input amount pointed to by the inputs of the first transaction is equal to or exceeds the output amount, causing the first transaction and a second transaction to be published to a blockchain network to be recorded in a blockchain. The second transaction comprises an input pointing to the output of the first transaction and comprising an unlocking script meeting said condition. The condition requires the unlocking script to include a media key enabling the users to access the item of media content.