Abstract: An example transaction-enabled system may include a smart contract wrapper to access a distributed ledger comprising intellectual property (IP) licensing terms corresponding to IP assets, wherein the IP licensing terms include an apportionment of royalties among owning entities in the distributed ledger. The smart contract wrapper may interpret an IP description value and an IP addition request, and, in response to the IP addition request and the IP description value, to add the apportionment of royalties corresponding to the IP description value. At least one of the plurality of IP assets comprises an instruction set and an operation on the distributed ledger provides provable access to the instruction set. A royalty apportionment wrapper apportions royalties from at least one royalty generating element to owning entities in response to the IP licensing terms.

Abstract: A method of generating wallets for discrete blockchain networks comprising receiving a primary and a first secondary seeds, generating an enhanced hierarchical deterministic (HD) wallet, comprising deriving an enhanced parent public key and an enhanced parent private key from the primary seed, generating a first toughened HD wallet, comprising deriving a first toughened parent public and private key pair from the first secondary seed, deriving a first toughened primary child public/private key pair from a function including as inputs the first toughened parent public/private key pair, a first parent chain code, and the enhanced parent public key, and performing an identity registration and certification procedure for both the enhanced and the first toughened HD wallets. An identify of a user associated with each of the enhanced and the first toughened HD wallets is verifiable by an external blockchain network because of the identity registration and certification procedures.

Abstract: Transaction ID information corresponding to proof certificate-verifying transaction information is transmitted to a block chain retention server if a request for proof certificate information is sensed, when the proof certificate-verifying transaction information generated by using the proof certificate information, to be provided to a customer, is recorded in a block chain retention server and the transaction ID information is managed. The proof certificate-verifying transaction information corresponding to the transaction ID information is acquired from the block chain retention server. A proof certificate index hash value used for comparison, acquired from the proof certificate information to be provided to a customer and corresponding to a request, is compared with a proof certificate-verifying index hash value acquired from the proof certificate verifying-transaction information.

Abstract: A system and method are provided for modeling and interpreting a modeled digital asset and its evolution with respect to the rights of a plurality of parties, the method comprising: executing an await function instance no more than once using one of at least one choice defined therein for disposition of the digital asset with respect to the rights of at least one of the plurality of parties, said await function instance incorporated upon the consent of the affected parties to fulfil a configured function instance associated with the at least one choice; executing an agree function instance that requires the consent of at least one of the plurality of parties to execute; and storing the results of the executed function instances in an append-only ledger.

Abstract: A method for facilitating expansion of primary payment instruments comprises: determining a type of a primary payment instrument; determining, from a set of primary key generation rules, a primary key generation rule corresponding to the type of the primary payment instrument, the primary key generation rule specifying at least one primary payment instrument element for generating a primary payment key, each primary key generation rule from the set of primary key generation rules corresponding to a different type of primary payment instrument and specifying at least one primary payment instrument element for generating a primary payment key, each primary payment instrument including a set of primary payment instrument elements; generating, according to the primary key generation rule, a primary payment key for the primary payment instrument; and storing a corresponding relationship between the primary payment instrument and the primary payment key.

Abstract: A method for implementing zero-knowledge private key management for decentralized applications including receiving an encrypted private key and user identification information, storing the encrypted private key, receiving a session request from a decentralized application, establishing a session, transmitting a response to the session request to the decentralized application, receiving a session approval from the client application, updating the session with the information comprised by the session approval, and transmitting the public key and the blockchain network selection to the decentralized application.

Abstract: An ecosystem for monitoring the status of a consumable good is provided. The ecosystem includes an identification registry configured to (i) store identifying information regarding a consumer, and (ii) associate the stored identifying information with a unique cryptographic consumer identifier. The ecosystem further includes a transaction registry configured to (i) receive a fulfillment order for a consumable good, and (ii) generate a unique cryptographic transaction identifier for fulfillment of the fulfillment order. The ecosystem further includes a fulfillment computer subsystem configured to (i) receive the fulfillment order, (ii) verify the consumer identifier, and (iii) validate the transaction identifier. The ecosystem further includes a distributed ledger configured to encode transaction details relating to the fulfillment order.

Abstract: A remittance processing method includes recognizing an amount of money in a message being input into a chatroom of a messenger run on an electronic device, calling a remittance function to the chatroom in response to the amount of money being recognized in the message, and processing a remittance transaction to another user in the chatroom as a remittance target with respect to the amount of money, in response to a remittance request from a user of the electronic device.

Abstract: The disclosed embodiments relate to implementation of an electronic framework, also referred to as a protocol or architecture, for electronically achieving, recording and implementing, via an electronic communications network, consensus among participants for the definition, implementation and operation of an electronic transaction processing system as a precursor to the operation of that transaction processing system in processing transactions according to the consensus among the participants. The disclosed consensus framework provides a system and protocol by which new electronic transaction processing systems may be developed and implemented among participants via an electronic negotiation and implementation of the operational rules therefore. The disclosed embodiments eliminate the need for out of band consensus negotiations and provide flexibility for participants to negotiate acceptable operational rules which can support complex transactional processes in an electronic environment.

Abstract: A point-of-sale (POS) application is installed on a computing device of a merchant to process purchase transactions in conjunction with a network-accessible payment processing system. Software is also installed on the computing device to evaluate trustworthiness of the device and to prevent the device from performing sensitive operations such as purchase transactions when the device is deemed to be untrustworthy. The software obtains a security policy from the payment processing system and locally stores the security policy. The security policy specifies trust criteria and enforcement instructions, which can be updated from time to time when the payment processing system is accessible. The software evaluates device trustworthiness by gathering information regarding device conditions and comparing the information to the trust criteria. If the trust criteria are not satisfied, sensitive operations are disabled.

Abstract: A secure chain of data blocks is maintained at a given computing node. The given computing node is part of a set of computing nodes in a distributed network of computing nodes wherein each of the set of computing nodes maintains the secure chain of data blocks. The secure chain of data blocks maintained at each computing node comprises one or more data blocks that represent one or more accident related transactions associated with a vehicle. In response to a risk assessment operation, one or more data blocks are added to the secure chain of data blocks maintained at the given computing node.

Abstract: A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. The invention enables the updating, correction or synchronization of transaction data maintained by an Issuer with that stored on the device. This is accomplished by using a wireless (cellular) network as a data communication channel for data provided by an Issuer to the mobile device, and is particularly advantageous in circumstances in which the contactless element is not presently capable of communication with a device reader or point of sale terminal that uses a near field communications mechanism. Data transferred between the mobile device and Issuer may be encrypted and decrypted to provide additional security and protect the data from being accessed by other users or applications.

Abstract: An antenna direction adjustment apparatus (10) according to the present invention includes: auxiliary unit (14) for an adjustment of a direction of an antenna; acquisition unit (11) configured to acquire first information related to a first radio communication apparatus, and second information related to a second radio communication apparatus configured to perform opposite radio communication with the first radio communication apparatus; determination unit (12) configured to determine whether a use license of the auxiliary unit (14) is valid based on a combination of the first information and the second information; and instruction unit (13) configured to provide an instruction to operate the auxiliary unit (14) when it is determined that the use license is valid. This configuration makes it possible to provide an antenna direction adjustment apparatus capable of appropriately limiting an adjustment of a direction of an antenna by a license.

Abstract: A computer-implemented method for verifying cardholder authenticity when provisioning a token is provided. The method uses an authentication server system having a processor and a memory. The method includes receiving, by the processor, a payment card account identifier provided by a payment requestor. The payment card account identifier for identifying a payment account associated with a cardholder. The method also includes determining a plurality of authentication data associated with the payment requestor, and performing an authentication process using the plurality of authentication data. The authentication process is configured to determine if the payment requestor is the cardholder. The method further includes determining an assurance level associated with the authentication process. The assurance level represents a level of confidence in the authentication process.

Abstract: A device is configured to process contactless payments by wirelessly reading account information from enabled payment instruments and providing the account information, along with other information, to a remote payment processing system. The device has an embedded reader, such as a near-field communications (NFC) reader or a radio-frequency identification (RFID) reader. The operating system of the device has a device driver that provides access to the embedded reader. The device driver is implemented as part of the operating system kernel in order to protect it from access by non-privileged software. A POS application installed on the device uses the device driver to obtain payment instrument information from a payment instrument such as a credit card. Before providing the payment instrument information to the POS application, the device driver encrypts the payment instrument information using a public key provided by the payment processing system.

Abstract: Method and system of performing transactions with a payment card in a managed integrated payment environment comprising an integrated circuit are disclosed comprising interacting with an integrated circuit on a received payment card to obtain card data by a payment terminal and determining whether full online transaction processing of the card data is required. If full online transaction processing of the card data is required, the card data is sent to a point-of-sale terminal, which sends the card data and a transaction total for the transaction to a merchant gateway, which obtains approval or denial of the transaction. The approval or denial is provided to the PIN pad by the merchant gateway via the point-of-service terminal. The PIN pad also receives transaction data and sends the transaction data and card data to a services processor to collect metadata, perform fraud and security checks, and/or encrypt the card data.

Abstract: Format-preserving encryption and decryption processes are provided. The encryption and decryption processes may use a block cipher. A string that is to be encrypted or decrypted may be converted to a unique binary value. The block cipher may operate on the binary value. If the output of the block cipher that is produced is not representative of a string that is in the same format as the original string, the block cipher may be applied again. The block cipher may be repeatedly applied in this way during format-preserving encryption operations and during format-preserving decryption operations until a format-compliant output is produced. Selective access may be provided to portions of a string that have been encrypted using format-preserving encryption.

Abstract: Blockchain-based license management provides capabilities for managing licensable aspects of a plurality of IHSs (Information Handling Systems) participating in the blockchain comprised of individual license blocks that record licensing transactions. A licensing authority initiates the blockchain and modifies licensable aspects of a specific participating target IHS by distributing license blocks that include one or more license tokens and license logic specifying instructions for the target's evaluation of the license tokens. Each participating IHS validates the received license blocks and adds them to a local copy of the blockchain. If a participating IHS is the target, that IHS uses the license logic to determine licensing modifications indicated by the licensing token. Licensable aspects of the IHS may then be modified based on the determined licensing modifications.

Abstract: Electronic voting systems and methods use “proof of work” technology to protect casted votes. Voting system comprises a voting platform and a plurality of voter devices. During the election time period, each voter device performs a multiple computational iterations. For each iteration, each voter device produces a voting data block that comprises, for each iteration, the one or more user votes by the user of the voter device in the election and a nonce that is unique for each iteration. The voter devices also compute a measure for each cryptographic digest computed in each iteration. The measure can be a measure of a property or aspect of the cryptographic digest, such as a measure of the number of consecutive bits of the cryptographic digest that are identical. After completion of the multiple iterations, the voter devices transmit to the voting platform, via the data network, the voting data block corresponding to the digest with the best measure of all the calculated cryptographic digests.

Abstract: A method for processing votes in a public blockchain includes: generating an election reference and candidate references; generating an asymmetric cryptographic key pair comprised of a master private key and master public key; generating a registration block for addition to a blockchain including the election reference, candidate references, and master public key; transmitting the registration block to nodes associated with the blockchain; receiving a plurality of voting messages, each including a vote and the election reference, where the vote includes a voter reference and at least one candidate reference; generating one or more voting blocks for addition to the blockchain including the received votes; and transmitting each generated voting block to nodes associated with the blockchain.