Abstract: Systems and methods are provided for distributing data to multiple data centers within a network based on unique information associated with the data. One example method includes receiving data including a device ID specific to a device of a user and generating, by a filter computing device, a group identifier for the received data based on the device ID. The group identifier is associated with only one of the multiple data centers within the network. The method then includes storing the received data in a data storage device of the one of the multiple data centers based on the group identifier.

Abstract: A plurality of computer-based transactions facilitated by each of a plurality of custodians are monitored. A first transaction of the plurality of transactions includes a transfer of an amount of cryptocurrency of a first type by a first counterparty to a second counterparty in exchange for an amount of cryptocurrency of a second, different type. Transaction packages are generated by each counterparty which include requisite information to effect the transfer. A settlement coordinator asynchronously receives (via a computing network) the transaction packages which specify information required to (i) transfer the cryptocurrency of the first type from the first counterparty to the second counterparty on a first blockchain and (ii) transfer the cryptocurrency of the second type from the second counterparty to the first counterparty on a second blockchain.

Abstract: A method for harnessing a connected network to securely verify and execute a transaction is provided. The method may include requesting a PIN from a mobile device. The request may be transmitted via a USSD message. The method may also include receiving the PIN from the mobile device. The PIN may be received via a response to the USSD message. The method may also include authenticating the mobile device. The method may also include accessing a third-party network to verify an authentication status of the mobile device. The third-party network may include a plurality of IoT endpoints. Each IoT endpoint may include a stored verification usage process. The stored verification usage process may relate to a user associated with the mobile device. The method may also include executing the transaction upon receipt of an authentication signal from the third-party network.

Abstract: A system for authenticating an electronic device by means of an authentication server in order to authenticate a user of said electronic device. The system is adapted to perform an authentication based on a fictive payment transaction and includes the authentication server which is adapted to execute a fictive payment transaction with a predetermined transaction amount with said electronic device and during said execution to receive a first cryptogram from said electronic device; send said first cryptogram to a banking server; and receive from said banking server an acknowledgment if said first cryptogram is valid; when said fictive payment transaction has been executed, compute an authentication identification based on said electronic device's data; said electronic device which is a payment electronic device and which is adapted to execute said fictive payment transaction with said authentication server and during said execution to send said first cryptogram to said authentication server.

Abstract: Techniques described herein are directed to using blockchains to record, manage, and transfer ownership rights to land titles. A method in accordance with these techniques may include: creating a property blockchain that is permissioned, the property blockchain including a chronologically ordered, back-linked list of one or more blocks, the one or more blocks including a genesis block, the genesis block including property attributes including one more of the following: a physical address of the property, a year the property was built, and an owner of the property; and transmitting the property blockchain to permissioned nodes on a network, where the permissioned nodes validate transactions associated with the property that are recorded on the property blockchain.

Abstract: This post-paid process and system for disconnected terminals solves the problem of a disconnected terminal being able to perform post-paid operations securely, using an electronic device of the user to communicate with a central server which creates a token with a temporal validity that serves to activate a compound of the disconnected terminal and, optionally, additional hardware. All operations performed in the terminal are locked to make it impossible to alter the data and signed with a cryptographic key before using the client device as transportation for the operations block to be processed in the central server and charged.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for a risk management method are provided. One of the methods includes: determining a candidate verification mode set comprising one or more candidate verification modes for a target event; determining output weights for at least some of the verification modes in the candidate verification mode set; and selecting a verification mode for risk management of the target event from the candidate verification mode set based on the output weights. In this method, multiple factors, such as risk type, device type, user preference, are taken into consideration in an quantification process when selecting a verification mode. Thus this method avoids excessive reliance on subject understanding of a transaction, improves the robustness of risk management against unauthorized transactions, and reduces unnecessary interference to authorized transactions.

Abstract: A system, method and program product for implementing a terms of service (ToS) platform. A system is provided that includes a resource tracking system for storing and updating a ToS for a resource according to a defined format in a blockchain; a detector system for detecting transactions associated with the resource; a system for validating a detected transaction relative to the ToS; and a system for composing and storing details associated with the detected transaction in the blockchain.

Abstract: Systems and methods for automated decentralized multilateral transaction processing are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor, a method for automated decentralized multilateral transaction processing may include: (1) receiving a plurality of transaction requests to conduct a plurality of transactions; (2) determining that a party to a first transaction of the plurality of transactions does not meet a liquidity requirement to conduct the first transaction; (3) executing a netting algorithm to identify a second transaction of the plurality of transactions that when executed allows the first transaction to execute; and (4) executing the first and second transactions.

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: Various embodiments are generally directed to authenticating a user for non-payment purposes utilizing a payment protocol, a computer device and a contactless card. The payment protocol may be consistent with an EMV standard. An application may determine that authorization or verification of a user may be required to access non-payment features of another application associated with the user and the computer device. The application may then receive and/or facilitate transmission of encrypted data from a communications interface of a contactless card associated with an account and utilizing either an offline or online technique to do so. The offline or online technique may involve one or more operations that can verify the identity of the user and/or otherwise authorize the user to have access to various aspects of the other application.

Abstract: A mechanism is provided for secure sensitive private information dependent transactions. A query and a transaction token S associated with a current transaction between a SPI owner and the service provider is received. Particular SPI required is identified based on the query. A request for the particular SPI from the SPI owner is constructed thereby forming a constructed request. The constructed request is sent to one or more authorized devices associated with the SPI owner enrolled with the cognitive SPI broker. The particular SPI is received from a device of the SPI owner thereby forming received SPI. The received SPI is used complete the transaction. A notification is then sent to the SPI owner that the transaction has been completed.

Abstract: Embodiments of the present disclosure provide a service processing method, apparatus, and system. The method may include: receiving, by a processing server, biological feature information of a user and service settlement information generated according to a service behavior of the user that are sent by a service device. The processing server searches for account information bounded with the biological feature information; performs payment processing on the account information according to the service settlement information, to obtain a processing result; and sends the processing result to the service device and a terminal.

Abstract: Embodiments of the present disclosure provide systems and methods for sharing media files. One embodiment of the system, among others, can be implemented as follows. The system includes a file sharing application configured to initiate a communication session with a file server, where the file server that manages download requests for a collection of media files, where the collection of media files are subject to a trial period. The system further includes media file selection logic configured to prompt a user to select a subset of media files from the collection of media files that was downloaded from the file server after the trial period is detected to have expired. In accordance with this embodiment, the user selects a subset of media files that the user would like to keep for continued use and the remaining media files not selected by the user are then configured to be inaccessible by the user after the trial period has expired. Other systems and methods are also provided.

Abstract: The present disclosure provides systems and methods that may convert traditional tickets into secure digital assets protected by cryptographic public/private keys that deploy these tickets on a blockchain. By structuring these tickets as smart digital contracts, such system can act as a self-policing escrow while simultaneously allowing ticket issuers greater control over the tickets after the tickets leave the ticket issuers' possession. The system can incorporate specific capabilities into the digital assets to provide an increased level of multiple ownership, security granularity, and sales restrictions in ticket 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: Systems, methods, and apparatuses for implementing machine learning models for smart contracts using distributed ledger technologies in a cloud based computing environment are described herein.

Abstract: Systems, methods and tools directed toward point-based license sharing mechanism that allows resource providers to dynamically control the computing resources each customer consumes by assigning point values to the license agreements between the customers and resource providers. Customers can select the amount of available points in a personalized license agreement and instead of using a “pay as you go” model, the customer upgrades and downgrades resources and services through point transfers which convert points into the resources Using the point-based conversions, customers have greater control over each license without inadvertently spending more money than expected on resources because the resources are limited to the available points in the license agreement, unless the licenses are purposefully upgraded by user.

Abstract: In one embodiment, a computing device includes: a media player operative to at least play a content item on the computing device, a blockchain-based wallet application operative to transfer a transaction amount to a publisher wallet ID via an associated blockchain-based transaction service, a secure digital rights management (DRM) client application operative to verify the transfer of the transaction amount to said publisher wallet ID according to a public transaction ledger associated with the associated blockchain-based transaction service and upon successful verification of the transfer of the transaction amount to the publisher wallet ID at least unlock a locked version of the content item, and a processor operative to execute the media player, the blockchain-based wallet application, and the DRM client application.

Abstract: Described in example embodiments herein are techniques for implementing an automated banking machine such as an ATM. An example embodiments, tracks the flow of a note through an ATM. Another embodiment corrects errors detected during a note flow. Some embodiments are in the form of security protocols for communications or other communication protocols, or techniques for monitoring devices operating in the ATM. Yet another example embodiment is directed to security of a currency cassette. Still yet another embodiment is directed to detecting tampering of the ATM's gate and/or shuttle. Yet still another embodiment determines if notes in a shuttle were delivered.