Abstract: The present invention generally relates to the use of stable value digital assets and/or fiat-backed digital assets as cryptocurrencies that can be linked to other digital assets using blockchain technology and/or through a peer-to-peer network. In embodiments, the present invention relates to specific applications of fiat-backed digital assets and/or stable value digital asset tokens tied to a peer-to-peer network, such as a blockchain network.

Abstract: A system, method and computer-readable medium for providing comprehensive security to business systems by distributing the security for accessing the business systems across databases at a plurality of locations. The distributed security simplifies security maintenance and is used to control all aspects of a business. The generation of bills, pings converter boxes, schedules pay per view, etc. are handled by the distributed security.

Abstract: Systems and techniques are provided for a resource transfer system. An instruction to transfer a first quantity of a resource from a first resource pool to a second resource pool may be received. A hold may be placed on a second quantity of the resource in the first resource pool. The held second quantity of the first resource may not be transferred from the first resource pool until the hold is released. Responsive to receiving a message that fulfills a condition on the hold and an instruction to execute the transfer, the hold may be released. A register that is in the first resource pool and is associated with the resource may decremented by the first quantity, and a register that is in the second resource pool and is associated with the resource may be incremented by the first quantity.

Abstract: Systems and techniques are provided for a resource transfer system. An instruction to transfer a first quantity of a resource from a first resource pool to a second resource pool may be received. A hold may be placed on a second quantity of the resource in the first resource pool. The held second quantity of the first resource may not be transferred from the first resource pool until the hold is released. Responsive to receiving a message that fulfills a condition on the hold and an instruction to execute the transfer, the hold may be released. A register that is in the first resource pool and is associated with the resource may decremented by the first quantity, and a register that is in the second resource pool and is associated with the resource may be incremented by the first quantity.

Abstract: A data structure for a decentralized ledger interchange object includes: a first data field containing an identifier for an item; a set of second data fields linked to the first data field, each second field containing one of a set of time periods; a set of third data fields, each third data field linked to a corresponding second data field, each third data fields containing a requested quantity of the item for a corresponding time period; and a set of fourth data fields, each fourth data field linked to the corresponding second data field, each fourth data field containing a committed quantity of the item for the corresponding time period. The decentralized ledger interchange object can used in a computer system, a computerized method for time-based manufacturing, a computerized method for time-based pricing and other systems, devices and methods.

Abstract: Systems and techniques are provided for a resource transfer system. An instruction to transfer a first quantity of a resource from a first resource pool to a second resource pool may be received. A hold may be placed on a second quantity of the resource in the first resource pool. The held second quantity of the first resource may not be transferred from the first resource pool until the hold is released. Responsive to receiving a message that fulfills a condition on the hold and an instruction to execute the transfer, the hold may be released. A register that is in the first resource pool and is associated with the resource may decremented by the first quantity, and a register that is in the second resource pool and is associated with the resource may be incremented by the first quantity.

Abstract: System and method for adaptively processing financial payments. A payment provider service obtains verification of information for approval of an electronic payment in a web-based sale. A payment gateway includes a processor and a non-transitory computer-readable medium having stored thereon a series of program steps and a database which stores rules applicable to transactions. Execution of the program steps implements a compliance and payment process, based on compliance rules and funds approval of the transaction. Execution of the compliance and payment process provides a decision whether to block or authorize the transaction. When the compliance and payment process provides a decision to authorize a transaction, the program steps provide a request to the payment provider service for transfer of electronic funds to provide the seller's payment.

Abstract: A payment integrated loyalty system including a point of sale terminal comprising a card reader, a communication subsystem configured to wirelessly communicate with a payment instrument, and configured to communicate over a network with at least a first and second server. The payment integrated loyalty system includes a processor in communication with the communication subsystem and card reader, configured to receive, through the communication subsystem, a payment instrument identifier associated with the payment instrument, and obtain a fingerprint based on one-way encrypting the payment instrument identifier. The processor is further configured to receive, from the first server via the communication subsystem, a loyalty balance associated with the fingerprint and to complete the financial transaction based on an updated amount based on the loyalty balance.

Abstract: A payment terminal includes a card interface and a transaction processor. The terminal receives a preliminary authorization amount, and receives application data from a payment card that is interfaced with the card interface. The application data includes an account number that is uniquely associated with the payment card. The processor generates an adjusted authorization amount from the account number and the preliminary authorization amount, determines whether the adjusted authorization amount can be authorized offline, and transmits a cryptogram request to the payment card. The adjusted authorization amount is different from the preliminary authorization amount. The cryptogram request includes the adjusted authorization amount.

Abstract: A mobile device includes a processing circuit to perform operations including transmitting a device token and a customer token to a computing system, the device token identifying the mobile device and a first session of a client application, the customer token identifying a user. The operations can include enabling access to the client application during the first session based on the device token and the customer token and receiving a second device token, the second device token identifying the mobile device and a second session. The operations can include receiving, during the first session, an identification number associated with an account of the user for a transaction, the identification number generated in response to a fund request from the mobile device. The operations can include providing a user interface displayed on the mobile device during the first session and receiving during the first session, an approval for the transaction.

Abstract: A method and apparatus for generating a Value Bearing Indicium (VBI) for on-line ticketing applications. A VBI may be generated by hashing user information to create a message digest that is used to create a digital signature. The digital signature is combined with the user information to create a VBI that can be validated by a variety of stand-alone or on-line methods. An on-line ticketing application using the VBI is described.

Abstract: Provided is dynamic and flexible authentication based on an interaction over a communications link between a user device and a financial entity. A set of interactions enabled at the user device are categorized into different levels, each level comprises a different authentication policy. At about the same time as an interaction is initiated at the device, an authentication policy assigned to the interaction is accessed and a security challenge is activated at the device. Based upon a successful response to the security challenge, an enablement of the communications link is continued. Based upon an unsuccessful response to the security challenge, the communications link is disabled.

Abstract: Systems and techniques are provided for electronic payment network security. Payment data including an origin and a destination for a payment in an electronic payment network may be received. A route of the payment in the electronic payment network may be estimated based on the origin and the destination. The estimated route of the payment in the electronic payment network may be input to a neural network. Fraud probabilities may be determined using the neural network. A fraud probability may include a value indicating a probability of fraud in the payment in the electronic payment network.

Abstract: Techniques for implementing trustless deterministic state machines using a blockchain infrastructure and running state machines concurrently over one or more transactions are described. An initial transaction is created to include at least one initial locking script that includes a first set of constraints, a second set of constraints, and at least one redeemable value. An unlocking blockchain transaction is also created with an input comprising an unlocking script and respective transaction outputs for a first locking script and a second locking script. Upon processing the initial locking script and the unlocking script, the first set of constraints and the second set of constraints are determined. Next, the first and second locking scripts are verified to ensure that they satisfy the first and second sets of constraints. Finally, the initial transaction is caused to be validated at a node of a blockchain network.

Abstract: Techniques for controlling access to a software application according to at least one software license agreement using a client computer and a server computer are presented. The client computer is configured to detect an initiation of the software application, suspend an execution process of the software application, determine that the software application is subject to a plurality of software license entitlement criteria defined by the at least one software license agreement, and request from the server computer a license for a usage of the software application on the client computer. The server computer is configured to determine that the usage of the software application on the client computer satisfies the plurality of software license entitlement criteria, and provide to the client computer a license for the usage of the software application on the client computer. The client computer is configured to resume the initiation of the software application.

Abstract: A computer implemented method for masking a primary account number between a party and a service provider. A plurality of transaction records from a database is retrieved. A masking value is generated in response to having a first hash function executed on a primary account number. The receiving, at the service provider, the masking value from the client execution environment without the primary account number; wherein the server execution environment lacks identification of the affiliation between the primary account number and the party. Upon confirming that the first hash function is identical to the second hash function, matching the masking value to the second masking value. In response to a match, querying the database for transaction history associated with the masking value. An analysis report is generated.

Abstract: An example operation may include one or more of a computer generating an output of a variable random function applied to a public key of a user of a blockchain and a hash of the blockchain block, the computer determining a function f that gives a number x in [0,1] to each of a plurality of transactions on the block based on the output, and the computer ordering the transactions, using the function f, within the block.

Abstract: Data representing ownership of a traditional asset of a first party having a predefined monetary value stored at a first party network node is replicated to a plurality of other party network nodes, including a second party network node, communicably coupled to the first party network node and to one another. Entry of data is received at the first party network node that represents a partition by the first party of the asset of the first party on a non-value axis into at least two non-overlapping assets and a transfer of ownership of one of those two assets to the second party. The data representing the partition of the non-value axis and transfer of ownership of one of the two non-overlapping assets to the second party is replicated to the plurality of other party nodes, including the second party network node.

Abstract: The systems and methods described include the ability to store resource transaction information in an immutable and distributed, verifiable fashion. The system includes enhanced means for retrieving, interacting with, and visualizing such information via user interface on a variety of user device types utilizing multiple information communication channels. The system is further configured to intelligently extract and analyze data to provide dispute identification information to an end user and further determine appropriate resolution actions based on historical data and extrapolated pattern identification.

Abstract: Apparatus and methods for utilizing non-fungible tokens (“NFTs”) as universal digital identification are provided. A user may be assigned an NFT on a distributed ledger attesting to the user's identity. The user may request to be authenticated. The user may be prompted to transfer the NFT to a smart contract on the distributed ledger. An authentication program may check the NFT and the NFT's history on the ledger to determine that the NFT belongs to the user. When the NFT belongs to the user, the authentication program may authenticate the user. The smart contract may transfer the NFT back to the user, so that the user may use the NFT again to be authenticated.