Abstract: A wireless connection may be established between a mobile device and a reader device and/or a sensor. The reader device and/or sensor may authenticate the mobile device. The reader device and/or sensor may receive a credential or token from the mobile device. An action may be performed based on certain criteria such as if the credential or token is valid.

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 services, the contract identifier uniquely identifies a particular digital contract offered by a 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: Technologies for emulating payment transaction messaging for electronic payment transaction include a transaction management controller for receiving a transaction amount for a payment transaction from a business management engine and simulated payment card data for the payment transaction from a point of interaction emulator. The transaction management controller inserts the transaction amount and the payment card data into a test payment authorization request message, which is transmitted to a null host. A payment authorization response message is received from the null host and transmitted by the transaction management controller the business management engine. Other embodiments are described and claimed.

Abstract: The disclosure relates to executing time bound activity chains using a baseline blockchain that encodes milestones and a realized blockchain that tracks activity relating to the milestones encoded on the baseline blockchain. Each project managed by the system may be scheduled using its own baseline blockchain, which stores time-bounded activity chains that encode milestones for that project. The realized blockchain stores performance related activity that validates and stores information indicating performance of actions related to milestones and automated transfer of value through the use of smart contracts. Each block of the realized blockchain not only references a prior block of the realized blockchain but also a corresponding baseline block, which encodes a milestone, in the baseline blockchain. Thus activity relating to progress toward a milestone may be recorded on a realized block, which refers back to a baseline block that specifies the milestone.

Abstract: Methods, systems, and apparatuses for facilitating multi-tiered digital wallet security are described herein. In some arrangements, a computing platform configured to operate within one or more decentralized peer-to-peer (P2P) networks may provide a digital wallet interface to a user computing device. Through the digital wallet interface, a user of the user computing device may be able to partition digital currency holdings into one or more differentiated storage compartments or tiers. Each of the one or more compartments may be password secured and may only permit access to the amount of digital currency holdings specified by the user. The user of the user computing device may enter a password corresponding to a compartment and the computing platform may provide access to the compartment based on the provided password. E.g., successive tiers may provide successively more limited (or enhanced) access to available funds, permissions, and the like.

Abstract: A method and system may provide a secure credit card payment service which allows a merchant to store credit cards without storing credit card data on merchant servers. The customer, via a web-enabled device, transmits a request to register a credit card and receives from the merchant server, a credit card registration webpage including a first entry field for entering credit card data, and a second entry field for entering customer data for the credit card. In response to receiving the credit card data, the customer data, and a selection of a submit button, the web-enabled device transmits the credit card data to a token server that stores the credit card data and receives a token from the token server. In response to receiving the token, the web-enabled device transmits the token and the customer data to the merchant server to be stored for processing subsequent credit card payments.

Abstract: Disclosed are a real and virtual identity verification circuit, a system thereof and an electronic transaction method. The circuit is capable of being built in or connected with an electronic device to allow a user to carry out electronic identity verification with his or her unique biological characteristic on a remote server. The real and virtual identity verification circuit comprises a memory unit, an acquisition unit, a processing unit and a communication unit. A verification key code is stored by the memory unit. The acquisition unit acquires the biological characteristic and generates a corresponding biological characteristic code. The processing unit processes the verification key code and the biological characteristic code according to a deal process to generate a corresponding unverified code, and the communication unit transmits the unverified code to the server and awaits a verification result of the electronic identity verification.

Abstract: An electronic transaction method enables a user to carry out an electronic transaction on at least one transaction sub-server connected with a transaction server containing an indicated link path of the transaction sub-server after the user obtains a verification result of electronic identity verification performed by a real and virtual identity verification system including an electronic device and an authentication server with the use of a biological characteristic.

Abstract: A user may be willing to purchase items or participate in a pay-for service offered by a service provider. A service provider may wish to verify characteristics of the user prior to allowing transactions to take place, and may want to secure the transactions once the transactions are allowed. A credential issued to a user and a transaction application uploaded to a user device may be used to secure transactions between the user and a service provider interface, such as a webserver or a point-of-sale. The transaction application may capture real-time user data and comparing the real-time user data to prior user data stored on the credential, authenticate the service provider interface to the user and the user to the service provider interface; and establish an encrypted session between the service provider interface and the transaction application adapted to authenticate the transactions between the user and the service provider interface.

Abstract: Location modeling may be generated for candidate locations based on validated location data. The location models for candidate locations may be based on validated location data associated with wireless access points that is validated using transaction data. Such validation may include comparing an identifier associated with candidate location data received from a client device to an identifier for a transaction account associated with a transaction from transaction data at a candidate location. Matching transaction data and candidate location data may generate validated location data to be used in generating location models for candidate locations.

Abstract: The invention relates to an NFC device configured for receiving a request to perform a transaction. In response to receiving the request, sensor data from one or more sensors of the NFC device is fed into a first classifier. The sensor data comprises environment parameters of the NFC device. The first classifier determines if sensor data provided as input to the first classifier were sensed in a transaction-typical environment or in a transaction-atypical environment. In case the first classifier determines that the sensor data is indicative of a transaction-atypical environment, the first classifier blocks the transaction or requests a user to confirm the transaction and blocks the transaction until the confirmation is received.

Abstract: Methods, systems, and computer program products for providing enhanced mobile transactions and payments are disclosed. A computer-implemented method may include providing a registry of public keys to allow users to securely exchange mobile payment data with respective trusted merchants, sending a request from a computing device of a user to validate a merchant, storing a public key for the merchant from the registry, receiving a merchant identifier from a terminal during a mobile transaction indicating that the terminal is associated with the merchant, receiving a request for information from the terminal as part of the mobile transaction, determining whether the terminal requesting the information is trusted, providing the requested information encrypted using the public key to the terminal when the terminal is trusted, and providing decoy response information to the terminal when the terminal is determined to be untrusted.

Abstract: Methods and devices for information transmission and in particular for payment transfer from a paying terminal to a selling terminal. 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 a remote server for processing. Security verifications can be conducted by the paying terminal or the server, wherein the server may generate processing results approving or denying the payment request. 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 transfer.

Abstract: The present invention is directed to a smartcard that enables a one-time pin code offline security authentication with a card reader. This is achieved by generating a one-time pin code when the user inputs their pin code. The inputted pin code is encrypted and matched with the encrypted user correct pin code. If there is a match the one-time pin code is stored in memory and the transaction can proceed.

Abstract: A method for improved security at automated teller machines (ATMs) comprising: capturing, by a first camera at an ATM, one or more images of a bank card; reading card information from the bank card by processing the one or more images of the bank card, wherein the card information comprises an account number and an expiration date; receiving, from an input device at the ATM, a personal identification number (PIN) entered by a user; sending a request to a server device to verify the card information and the PIN; and in response receiving a response from the server device, allowing the user to transact with the ATM.

Abstract: A display instruction associated with a graphic code is received from a terminal device and at a client computing device. A biometric feature identifier associated with a biometric feature that is verified by a server is obtained by the client computing device. A code string that includes the biometric feature identifier is generated by the client computing device. The graphic code that includes the code string is displayed at the client computing device, to permit completion of a service by the terminal device using the graphic code.

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: Methods and systems related to the use of tokenization services in payment processing systems are disclosed. The methods and systems include token translation services, token maps used as the basis for customer data models, specific approaches for securing the token maps and associated data, and the efficient storage of the token maps and associated data to facilitate enhanced payments experiences and analytics. One method includes transmitting a tokenization request with an encrypted payment account number from a POS to a tokenization service, receiving a token from the tokenization service in response to the tokenization request, salting the token with data to produce a salted token, encrypting the salted token using a secure processor on the POS, mapping the encrypted salted token to the payment account number in a map, and storing the map and the encrypted salted token in a memory on the secure processor on the POS.

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: The present invention provides a method and system for verifying and tracking transactional information. In an embodiment of the invention, a system for delivering security solutions is provided that includes at least one of the following: a radio frequency (RF) identification device, an identification mechanism (e.g., a card, sticker), and an RF reader.