Abstract: A method for securing an entry in a user database, the method being performed in a management server in charge of the database and comprising the steps of: receiving a network identifier of a user terminal, identifying the user terminal in a telecommunications network; transmitting to a network platform an operator of the telecommunications network a user confirmation request, the request comprising the network identifier of the user terminal; upon receiving a user confirmation from the network platform, creating an entry by the terminal user in the user database, the entry comprising the network identifier of the user terminal.

Abstract: Methods and devices for conducting a payment transaction between a paying terminal and a selling terminal via a remote server. In some embodiments, the paying terminal scans an encrypted image, such as a two-dimensional code, displayed on the selling terminal. The paying terminal decrypts the encrypted image to obtain payment information and sends a payment request to the remote server for processing. Security verifications may be conducted by the paying terminal or the server, and the server may generate processing results approving or denying the payment request accordingly. When the payment amount is greater than a preset value, additional verification can be carried out using, e.g., biometric information. The paying terminal and/or the selling terminal then display the processing results and the remote server completes the payment transaction.

Abstract: A method is performed at an electronic payment module with one or more processors, memory, a slave interface that couples the module with an unattended machine via a multi-drop bus (MDB), and one or more host interfaces that couple the module with at least one payment peripheral of the unattended machine. The method also includes: receiving, from a refund center, a request to issue an approved refund of a predetermined amount and one or more criteria that must be satisfied before dispensing the predetermined amount. In accordance with a determination that the one or more criteria are met, the method includes issuing (i) a signal to the unattended machine, via the slave interface, that the at least one payment peripheral is unavailable and (ii) a signal to the at least one payment peripheral, via the one or more host interfaces, to dispense the predetermined amount.

Abstract: The present invention relates to a system and a method for mobile cross-authentication comprising: generating an online authentication code (Ocode) and a mobile authentication code (Mcode) from an authentication server device when performing online authentication, providing the online authentication code (Ocode) and the mobile authentication code (Mcode) to a computer terminal device and a mobile terminal of the user respectively, receiving and verifying the online authentication code and the mobile authentication code received by the computer terminal device and the mobile terminal to the authentication server device through the mobile terminal and the computer terminal device respectively.

Abstract: A system and method in which one or more probing transactions are performed by transferring respective amounts of a cryptocurrency to one or more cryptocurrency addresses. The system then monitors and ascertains communications traffic exchanged with one or more IP addresses and that at least one of the probing transactions was downloaded to a particular IP address. The system then generates an output that can indicate an association between a cryptocurrency address of interest and the particular IP address.

Abstract: Systems and methods are disclosed to provide an animated 2D barcode check that is used to securely and efficiently transmit financial information between mobile devices. The financial information includes a check written by a payer and transmitted to a merchant. The check includes account information of the payer and of the merchant with a payment service provider, a payment amount, and a cryptographic signature that has been certified by the payment service provider. The payer's mobile device encodes the check into a sequence of 2D barcodes and displays the sequence of 2D barcodes in a loop that is scanned by a camera on the merchant's mobile device. The merchant uses the cryptographic signature to verify the validity of the signature on the check without having Internet connectivity to the payment service provider. The merchant may later present the check to the payment service provider to receive payment.

Abstract: A system and method for card control includes a card control computing system configured to enforce a card control rule based upon transactions made with a payment card. The card control computing system includes a memory unit configured to store information associated with a card control dashboard, and a processing unit configured to cause presentation of the card control dashboard via a display associated with a remote computing device, such that the card control dashboard is associated with the payment card and the card control rule. The card control dashboard includes a user interface. The processing unit is further configured to receive an input via the user interface to activate or deactivate one or more features associated with the card control rule, and trigger the card control rule based upon the one or more features that are activated or deactivated.

Abstract: A system and method for card control includes a card control computing system configured to enforce a card control rule based upon transactions made with a payment card. The card control computing system includes a memory unit configured to store information associated with a card control dashboard, and a processing unit configured to cause presentation of the card control dashboard via a display associated with a remote computing device, such that the card control dashboard is associated with the payment card and the card control rule. The card control dashboard includes a user interface. The processing unit is further configured to receive an input via the user interface to activate or deactivate one or more features associated with the card control rule, and trigger the card control rule based upon the one or more features that are activated or deactivated.

Abstract: A transaction payload is received that represents at least i) a transaction initiated between a merchant and a customer, ii) an identification of the merchant, iii) an amount of the transaction, and iv) a transaction account associated with the customer. The transaction payload is encrypted using the OEM device credential. Thereafter, the transaction payload is decrypted and validated. Furthermore, the transaction payload is encrypted using an issuer credential, and routed via a predetermined payment service provider to a device associated with the issuer. Thereafter, the processor(s) receive from a device associated with the issuer, approval of the transaction, and transmit approval information to the enrolled mobile computing device for notifying the merchant that the transaction is approved.

Abstract: Described are a signature verification method, apparatus, and system. The method includes: encrypting a third-party payment identifier and payment information according to a first key to obtain a first signature; encrypting a third-party client identifier and first signature information according to a second key to obtain a second signature; and providing the third-party client identifier, the first signature information, and the second signature to a client server for verification.

Abstract: In a method for provisioning account information of a payment card, user datum encryption information is transmitted to a transaction data processing system. A user datum encrypted using the user datum encryption information and a request to share account provisioning information is received from the transaction data processing system when the payment card is present by a user at the transaction data processing system. A user account associated with the payment card is determined and the user of the payment card is authenticated. A request for confirmation that the account provisioning information should be shared is sent to a user device associated with the user account and a confirmation response is received from the user device that includes permission to share account provisioning information. Account provisioning information is then transmitted to the transaction data processing system.

Abstract: Embodiments of the present specification disclose a resource sharing method, apparatus, and device, where the method includes: obtaining, by a first blockchain node, a resource from a second blockchain node; performing, by the first blockchain node, a sharing operation to share the resource with one or more user terminals; generating, by the first blockchain node, sharing information related to the sharing operation; and broadcasting, by the first blockchain node, the sharing information to a blockchain network associated with the first blockchain node and the second blockchain node.

Abstract: An example operation may include one or more of connecting, by a smart note, to a blockchain configured to store an asset of a user on a ledger, acquiring, by a smart note, a value of the asset from the ledger, displaying, by a smart note, the value on a display screen located on the smart note in response to a detection of a smart note button press event, generating, by a smart note, an asset address key pair, checking, by a smart note, a status of a private key associated with the smart note, and displaying, by a smart note, a trusted symbol next to the value on the display screen, if the status of the private key indicates that the private key has never been used.

Abstract: Provided are a method of detecting abnormal financial transactions and an apparatus thereof. The apparatus includes: a memory in which an abnormal transaction detection program is stored; and a processor configured to execute the program. Upon execution of the program, the processor performs a data preprocessing operation to acquired payment data, extracts at least one feature adaptively determined in advance from results of the preprocessing operation, and uses the extracted feature to determine whether the payment data correspond to an abnormal transaction through a machine learning algorithm adaptively determined in advance.

Abstract: A method for distributing content. The method distributes a single media storage structure to a device (e.g., a computer, portable player, etc.). The media storage structure includes first and second pieces of encrypted content. Based on whether the device is allowed to access the first piece of content, the second piece of content, or both, the method provides the device with a set of keys for decrypting the pieces of the content that the device is able to access. The provided set of keys might include one or more keys for decrypting only one of the two encrypted pieces of content. Alternatively, it might include one or more keys for decrypting both encrypted pieces of content. For instance, the selected set of keys might include a first key for decrypting the first encrypted piece and a second key for decrypting the second encrypted piece.

Abstract: In various embodiments, a system, method, and computer readable medium (collectively, the “System”) for authenticating a mobile device configured to initiate payments is provided. The System may be configured to perform operations and/or steps comprising receiving, by the processor and in a secure environment, a secret element. The secret element may be transmitted to the processor (e.g., the issuer system) via a payment terminal. The System may further comprise comparing, by the processor and in the secured environment, the secret element to an issuer element. The issuer element may be linked with a flag that is associated with the transaction account. Moreover, the issuer element may be a data module that corresponds to be is not equal to the secret element. The System may also comprise authorizing, by the processor, a transaction initiated by the mobile device in response to the comparing being a satisfactory comparison.

Abstract: Digital or “smart” contracts execute in a blockchain environment. Any entity (whether public or private) may specify a digital contract via a contract identifier in a blockchain. Because there may be many digital contracts offered as virtual services, the contract identifier uniquely identifies a particular digital contract offered by a virtual machine, vendor or supplier. The blockchain is thus not burdened with the programming code that is required to execute the digital contract. The blockchain need only include or specify the contract identifier (and perhaps one or more contractual parameters), thus greatly simplifying the blockchain and reducing its size (in bytes) and processing requirements.

Abstract: The system comprises approving a credit application during a single http session, transmitting an encoded secure token to a web-client participating in the http session, receiving from the mobile communications device the secure token, and transmitting the transaction account data to the mobile communications device, in response to the receiving the secure token. The system may further comprise the mobile communications device decoding the secure token.

Abstract: A system and method for card control includes a card control computing system configured to enforce a card control rule based upon transactions made with a payment card. The card control computing system includes a memory unit configured to store information associated with a card control dashboard, and a processing unit configured to cause presentation of the card control dashboard via a display associated with a remote computing device, such that the card control dashboard is associated with the payment card and the card control rule. The card control dashboard includes a user interface. The processing unit is further configured to receive an input via the user interface to activate or deactivate one or more features associated with the card control rule, and trigger the card control rule based upon the one or more features that are activated or deactivated.

Abstract: A method for processing transaction data, implemented by a communications terminal having a touch screen. The method includes: detecting a necessity of entering a piece of personal identification data; transmitting to a card reader connected to the communications terminal a request for supporting a display of a virtual keypad, the request comprising a piece of data representing a passage of the communications terminal from a “master” mode to a “slave” mode of operation, the slave mode leading to implementation of the method for processing transaction data under the exclusive control of the card reader; of entry, by the user on the virtual keypad, of the piece of personal identification data; and receiving, from the card reader, the piece of personal identification data.