Abstract: A wireless device can store account identifiers and facilitate transactions. The wireless device can be loaded with user account identifiers and can be presented to various checkpoint devices. When presented, the wireless device can transmit a selected account identifier to the checkpoint device. In the context of a purchase transaction, the checkpoint device can be a point-of-sale terminal and the account data can be financial account data. In some instances, the wireless device can also facilitate a purchase transaction, e.g., by obtaining information about products to be purchased, constructing a purchase order from the product information, and transmitting the purchase order to a point-of-sale terminal.

Abstract: The present invention provides a method for issuing an electronic voucher, the method comprising: (a) a step in which a server checks whether or not (i) electronic voucher data, (ii) a public key of a specific issuer and (iii) a signature value of the specific issuer are valid; and (b) a step in which, if the validity check result is positive, the server registers or supports the registration of a function value associated with (i) the electronic voucher data, (ii) the public key of the specific issuer and (iii) the signature value of the specific issuer in a blockchain network, and acquires or supports the acquisition of Txid indicating information on the location of the function value, registered in the blockchain network.

Abstract: A system includes at least a first computing device, at a financial institution, configured to generate a currency request and apply first-level signature(s) to the currency request. A minting request is generated from the currency request and the first-level signature(s). The system also includes at least a second computing device, at a currency management department, configured to apply second-level signature(s) to the minting request to generate a signed minting request. The system also includes a third computing device, at a director's office, configured to apply third-level signature(s) to the signed minting request. The system also includes a plurality of network nodes, implementing a distributed ledger, configured to verify the first-level signature(s), the second-level signature(s), and the third-level signature(s); and mint the digital currency when the first-level signature(s), the second-level signature(s), and the third-level signature(s) are successfully verified.

Abstract: Blockchain-based, smart contract platforms have great promise to remove trust and add transparency to distributed applications. However, this benefit often comes at the cost of greatly reduced privacy. Techniques for implementing a privacy-preserving smart contract is described. The system can keep accounts private while not losing functionality and with only a limited performance overhead. This is achieved by building a confidential and anonymous token on top of a cryptocurrency. Multiple complex applications can also be built using the smart contract system.

Abstract: A communications device for implementing an electronic payment process, the communications device including a receiver unit operable to receive a secure limited use key (SLUK) from a financial institution that is generated by the financial institution using a first limited use key (LUK) generated using a first key associated with the financial institution, an identifier which identifies a user of the communications device, and a variable code, and a subset of the characters of a passcode associated with the user of the communications device, each character in the subset being identified by its character position in the passcode, and the character position in the passcode of each of the characters in the subset being determined by a predetermined algorithm on the basis of a second key associated with the user of the communications device, the identifier which identifies the user of the communications device and the variable code.

Abstract: A method, computer system, and a computer program product for an online group payment is provided. The present invention may include registering a first party using a virtual account service and initiating a joint deal with a merchant. The present invention may include publishing the joint deal. The present invention may include subscribing a second party to the joint deal. The present invention may include invoking a transfer of an approved fund from a second party account to a virtual account service account. The present invention may include in response to meeting a first threshold, executing the joint deal, wherein the executed joint deal includes, executing a merchant payment associated with the joint deal. The present invention may include in response to a cancelation of the joint deal, automatically rescinding the payment authorization from the second party.

Abstract: A method for generating user-initiated federated identities, said method being characterized in that it comprises: providing a plurality of electronic data sets (104) stored in one or more files (103) of an electronic memory (102) of a first entity (100) being an identity certification subject, each electronic data set (104) including identity information univocally pertaining to a respective second entity or subject (201); accessing one electronic data set (104) selecting (1001) a sub-set of identity information from the accessed electronic data set (104); generating (1002) a digital asset file (302) containing the sub-set of identity information, wherein said step of selecting (1001) is performed either by the first or the second entity, said step of generation (1002) is performed after the step of selection (1001) and is performed by said first entity (100); a subsequent step of automatic generation (1003) of an hash file (301) of said digital asset file (302), said step of generation of said hash file

Abstract: A method and apparatus for processing a transaction between a merchant and a customer of the merchant are described. The method may include generating, at an ingress server, an initial transaction message by generating a deterministic identifier for a card used in the transaction from card data received for the transaction and encrypting the received card data. The method may also include providing the initial transaction message from the ingress server to a payment server. Furthermore, the method may include updating, by the payment server in response to an authorization of the transaction determined based at least in part on the deterministic identifier for the card, the initial transaction message with authorization data, and providing the updated initial transaction message from the payment server to an egress server. The method may also include communicating a final transaction message to an authorization system for processing the transaction between the merchant and the customer based on the card data.

Abstract: A Person-to-person payments method and system may include receiving a request from a computer network to transfer funds from a first account to a second account, almost instantly. An alias (mobile number or email) is received and is associated with the second account and checked against a database. If the alias exists, multiple options may apply for transferring funds. Next, a secure party identifier is generated and the transfer may be completed. A Payments Switch Module may also communicate with a Third Party Payment Service Provider a request from a Sending or Receiving Financial Institution or party, to send or receive funds from a specific account held by the Third Party Payment Service Provider. This may occur on an adhoc, automatic, or scheduled basis enabling management of ‘personal cash concentration.’ This feature with the Third Party Payment Service Provider be characterized as a “Bring it Home” feature of the system.

Abstract: Systems and methods described herein relate to creating or modifying multimedia content using theme-based effects. In accordance with some implementations, a method can comprise the operations of: accessing foundational content; receiving a request to apply a theme to the foundational content; receiving a theme-based effect associated with the theme; receiving a licensing parameter of use associated with the theme; and applying the theme-based effect to the foundational content according to the licensing parameter. Themes can include those created by third-party vendors and those created by one or more users of a method or system implementing features described herein. Additionally, use of different themes can vary in cost and/or use limitations, which can be determined according to licensing parameters associated with the themes.

Abstract: A system, method, and computer program product are provided for offering experience-based subscriptions to services. In use, a service package is created for a network service provider, the service package relating to a service experience specific at least to a subset of content accessible over a communication network via the network service provider. Additionally, a user subscription to the service package is received. Further, access to the subset of the content is provided based on the user subscription.

Abstract: A computer system is provided that communicates with a distributed blockchain computing system that includes multiple computing nodes. The exchange stores an order book and a plurality of digital wallets associated with different clients. The computer system receives new data transaction requests that are added to the order book. A match is identified between data transaction requests and hashes associated with the digital wallets associated with the respective data transaction requests are generated. The counterparties receive the hashes of the other party along with information on the match and each party causes blockchain transactions to be added to the blockchain of the blockchain computing system. The computing system then monitors the blockchain to determine if both sides of the match has been added to the blockchain.

Abstract: At an authorization server, a shared secret electronic key may be shared with a second computer. A selection to use a system to complete a transaction may be received from a first computing device. An image may be communicated to the first computing device. A digital representation entered by the user representing the image and a PIN based on the copy of the shared electronic key may be received from the second computing device. The system and method may determine if the digital representation entered by the user on the second computing device matches the image communicated to the first computing device. The system and method may determine if the PIN based on the copy of the shared electronic key from the second computing device is as expected. In response to determining the digital representation entered by the user matches the image and the PIN the second computing device is as expected, the user may be authorized.

Abstract: The present invention relates to a two level crux chain platform with a Proof of History (PoH) for increasing security, robustness and/or verifiability of a blockchain includes a first initial block with a node assigned to an address of a shard, a plurality of following blocks comprising a new address for each of the following blocks generated using previous address and previous block head by a ladder swapping protocol, a record stream with a plurality of stream value and each stream value is a current record value hashed with a previous stream value and a blockchain server for storing a plurality of modules.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for deposit address verification. One method includes receiving a request for the provisioning of an address for depositing digital assets to an account; determining a deposit address attached to the account; forwarding data representing the determined deposit address to a first user device comprising a display for displaying a visual code that encodes the determined deposit address, and to a second user device comprising a camera and an application that displays an image of the visual code overlaid on a live video feed from the second user device camera, wherein when a user directs the second user device camera at the first user device display the visual code on the first user device display can be aligned with the image of the visual code on the live video feed on the second user device.

Abstract: Systems and methods for cardless authentication of a user at an automated teller machine are described. The ATM may be operated by a financial institution such as a bank. The method comprises displaying an initial screen on the ATM and authenticating the user at the ATM using authentication information transferred from a mobile device. The method further comprises determining available service options for the user of the ATM based upon the cardless authentication of the user at the ATM using the mobile device.

Abstract: A system is provided that allows users to execute a secure transaction that is authenticated by their user device. Personally identifiable information (PII), such as, but not limited to, biometric authentication data, is locally stored on the user's device so as to protect the PII. A user device private key is associated with the particular user device and the user, and the corresponding public key is registered with a User Device Authentication Alliance server (UDAAS) system. In an online transaction, a LoginID server or an Access Control server interact with the UDAAS to confirm the user is authentic and has confirmed the transaction.

Abstract: The present invention provides a method for issuing an electronic voucher, the method comprising: (a) a step in which a server checks whether or not (i) electronic voucher data, (ii) a public key of a specific issuer and (iii) a signature value of the specific issuer are valid; and (b) a step in which, if the validity check result is positive, the server registers or supports the registration of a function value associated with (i) the electronic voucher data, (ii) the public key of the specific issuer and (iii) the signature value of the specific issuer in a public blockchain network, and acquires or supports the acquisition of Txid indicating information on the location of the function value, registered in the public blockchain network, within the public blockchain network.

Abstract: A blockchain-based data processing system may comprise: a transaction-side blockchain node and a server-side blockchain node on a blockchain network maintaining a blockchain. The transaction-side blockchain node may be configured to: create a transaction data structure based on an Unspent Transaction Output (UTXO) model, consolidate transaction data of a transaction according to the transaction data structure to generate shared transaction data, execute a smart contract of the transaction-side blockchain node to automatically determine a to-be-settled commission amount, update the shared transaction data according to the to-be-settled commission amount, collect the updated shared transaction data according to a preset condition, and send a to-be-settled transaction processing request comprising the updated shared transaction data to the server-side blockchain node.

Abstract: A method is provided for cryptographically authenticating a cardholder in an online transaction by sending an authentication request to the issuing bank that is intercepted by a service worker and handled within the cardholder's computing device. The service worker signs a description of the transaction with a private key or forwards the request to a bank app that authenticates the cardholder biometrically in addition to signing the transaction.