Abstract: Methods and systems for using a mobile device as a point-of-sale (POS) terminal provisioned by a resource provider are provided. A server computer can transmit, to a resource provider computer, a set of platform-specific scripts to be incorporated into a resource provider application provisioned on a user device. The server computer can register each instance of the resource provider application provisioned on any user device as an access terminal associated with the resource provider computer. The server computer can receive, directly from an instance of the resource provider application on a user device, a processing request message to perform a transaction. The server computer can obtain an authorization decision on behalf of the resource provider computer and transmit the authorization decision to the user device and the resource provider computer.

Abstract: A payment method and apparatus wherein a customer sends a transaction message from a customer account for a current transaction to a payment processor and to a supplier including a hash of transaction information from the current transaction and an encryption of transaction information for the current transaction including a state of the transaction. The transaction information from the current transaction along with a hash of transaction information from a previous transaction is stored in a stream of transaction data in the customer account. The payment processor compares the hash of the transaction information from the previous transaction with a stored hash of the transaction information from the previous transaction to authenticate the customer.

Abstract: In an example embodiment, an issuer system receives payment card information from a payment processing system, wherein the payment card information is received from a payment card via a user computing device using near field communication. The issuer system generates an unpredictable number for the payment card and communicates the unpredictable number to the payment card via the payment processing system and the user computing device. The payment card calculates a cryptographic checksum based on the unpredictable number and a shared secret and communicates the checksum to the issuer system via the user computing device and payment processing system. The issuer system verifies the checksum using the shared secret and the unpredictable number. The issuer system generates a token associated with the payment card and transmits the token to the user computing device via the payment processing system for use in an online transaction.

Abstract: A method for detecting fraud across networks of interconnected smart contracts on a blockchain network, including constructing a graph representation of nodes and node edges representing smart contracts and interactions therebetween on a blockchain network. New smart contracts are added to the graph representation which is updated to reflect updated edges. Pattern recognition algorithms are applied to the graph database to identify and flag sub-graphs suggesting potential fraud. Filtering smart contracts gather forensic data about each smart contract comprised by the flagged sub-graph. A fraud risk score is determined by analyzing the forensic data. If the fraud risk score exceeds a threshold value, a fraud response is triggered.

Abstract: There are provided systems and methods for establishing digital account usage in digital wallets during cross-platform data processing. A user may engage in a transaction with another user, such as a purchase of goods, services, or other items a merchant using a digital wallet, such as through a software application. An online transaction processor may provide a digital account for payment processing, which may provide financing and installment loan payment services. Where the payment account may not be compatible with the protocols and procedures for use with the digital wallet, a specific identifier may be provisioned, and proxy data may be generated between the transaction processor's system and the digital wallet's system through exchanged calls and data. The identifier may imitate data used by the digital wallet and may also allow for tokenization and processing with token service providers on payment networks.

Abstract: A device with one or more processors, memory, and two or more communication capabilities obtains, from a payment module, an authorization request via a first communication capability (e.g., Bluetooth). The device sends, to a server, the authorization request via a second communication capability distinct from the first communication capability (e.g., cellular or WiFi technology). In response to sending the authorization request, the device obtains, from the server, authorization information via the second communication capability. After obtaining the authorization information, the device detects a trigger condition to perform a transaction with a payment accepting unit associated with the payment module. In response to detecting the trigger condition, the device sends, to the payment module, at least a portion of the authorization information via the first communication capability.

Abstract: In one embodiment, a method may include generating a first public-private key pair having a public key usable as a public address of the ledger token of a distributed ledger network and a private key usable to transfer the ledger token of the distributed ledger network. The method may verify that a ledger transaction occurred. The method may include generating a possession token storable in physical memory and having a state indicated by a state indicator, where the state of the possession token evolves upon transfer between two computing devices over a network. The method may include cryptographically associating the ledger token and the possession token through incorporation of the public address into data generating the state indicator of the state of the possession token. The method may include encrypting the private key to form an encrypted private key and storing the encrypted private key in the possession token.

Abstract: The invention is a system and method for improving the reliability of data on blockchain by proofing the data onto another blockchain by use of nonfederated nodes. Contemplated within the scope of the invention is resolution process for data forks within a blockchain network.

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 methods which provide tokenization of various shipping data for which shielding is desired are described. Embodiments may facilitate controlled and/or protected usage of shielded shipping data, such as may include personally identifiable information, with tokenization. Shielded shipping data tokens of embodiments are matched with an entity, party, system, permitted usage of corresponding shielded shipping data. A data shielding service system may shield usage of shielded shipping data in accordance with applicable regulations according to applicable rules, and/or the like. Permitted accessors may be relieved of demands of maintaining compliance with the regulations and rules with respect to shielded shipping data in light of their enforcement and compliance being imposed through tokenization of the shielded shipping data.

Abstract: A digital content distribution system uses a Digital Rights Management Controller that performs a set of arbitrary tests against the transfer request from one user to another such as user A to user B. Assuming these tests are successful, the DRM sends an encryption key to transferring user A. This encryption key E is taken from a table of encryption key/hash pairs which have been provided to the DRM Controller by an external authority such as the content rights holder. User A encrypts the content using they key provided by the DRM controller and then optionally calculates a hash over the encrypted form of the content E(X) and returns this value to the DRM Controller. On checking the returned hash against the hash from the table the DRM controller knows that user A does indeed have the digital content X in good condition. The DRM Controller then instructs both users A and B that the transfer may proceed. The encrypted form of the content E(X) is transferred from A to B.

Abstract: A peer-to-peer content provision network is disclosed which implements a privacy-preserving payment mechanism for rewarding actors in the network (for example, a content supplier, a content distributor and storage-contributing peers). To reward some or all of those actors, a user device obtains, from a token service, anonymous digital payment tokens which include an ephemeral public key. Payment is achieved by adding an assignment layer to the token which involves combining a payee ephemeral public key with the token, and applying a digital signature to the combination using the ephemeral private key corresponding to the ephemeral public key in the token. Subsequent assignments can be made by the payee by adding a further assignment layer to the token using a payee ephemeral private key which pairs with the payee ephemeral public key in the received token. A payment service can divide a payment from the user between actors in the network.

Abstract: Methods, systems, and devices for data management are described. A datacenter may include one or more servers and an offline key storage system. The datacenter may receive, via a server and from a multi-party computation (MPC) coordinator, a first request to access a key share associated with an MPC node. The server may transmit a second request for the key share associated with the MPC node via a first cross domain communication path to an offline key storage system. The offline key storage system may verify a digital signature included with the second request. The offline key storage system may transmit a response including the key share that is encrypted using an encryption key associated with the MPC node to the server via a second cross domain communication path. The server may transmit a communication including the encrypted key share to the MPC coordinator.

Abstract: The invention provides a blockchain-implemented control method and corresponding system(s). The invention may control access to an internet-enabled resource such as an IoT device that is provided with computing capabilities enabling it to communicate with other computer-based resources and interact with a distributed ledger such as a blockchain. In one embodiment, the invention provides a method for controlling the use of an internet-enabled resource comprising providing a first blockchain transaction comprising at least one output which is redeemable only by provision of at least: i) a secret value selected by a user; and ii) a signature associated with a resource provider; sending use-related information to the resource; generating a second blockchain transaction requesting at least the secret value; and modifying the second blockchain transaction to include the secret value.

Abstract: Disclosed is a computing system and method for protecting access to a particular resource. The computing device can identify a first cryptographic token in a first digital wallet. The first cryptographic token is configured to provide access to a particular resource. The computing device can generate a second cryptographic token bound to the first cryptographic token. The computing device can transfer the second cryptographic token to a second digital wallet based on the first cryptographic token. The computing device can access the particular resource based on the second cryptographic token being in the second digital wallet.

Abstract: A method including receiving a first application user credential associated with a user profile; comparing, for a first match, the first application user credential with a stored second application user credential, wherein the stored second application user credential is associated with a user identity; and responsive to finding a first match, verifying the user identity by performing the following: communicating with a card using near field communication; receiving a public key of a key pair of the card and cardholder identification information of an account holder of the card; instructing the card to generate a digital signature; receiving the digital signature from the card; verifying the digital signature using the public key; and comparing, for a second match, at least a portion of the user identity with at least a portion of the cardholder identification information.

Abstract: A computer-implemented method to participate in a token transfer process for transferring a first quantity of token from a sender node to a recipient node using a blockchain is disclosed. The method comprising: joining a token transfer process as a participating node in the indirect anonymous transfer protocol; obtaining a list of indirect token transactions for which the first node is either an input node or an output node for in the indirect anonymous transfer protocol; generating, in collaboration with other participating nodes of the indirect anonymous transfer protocol, a commitment channel between the first node and each of the other participating nodes for which an indirect token transaction identified in the list obtained by the first node, and collaborating with all the other participating nodes and executing the indirect token transactions in which the first node is involved, using the generated commitment channels.

Abstract: A system and method for preventing hacking of blockchain is proposed.

Abstract: An electronic device including a processor that generates first identification data including a unique value corresponding to an external device, transmits an authentication request including information on a blockchain application and the first identification data to the external device, receives, a random value generated from the external device if authentication is successful, transmits a signature request including the random value and information on a transaction to the external device, generates a first hash value for the transaction, receives a second hash value for the transaction, which is generated based on verification of the random value, and signature data obtained by performing digital signature to the transaction with a private key stored in the external device, and determines whether to transmit the transaction to the blockchain network, based on the first hash value and the second hash value.

Abstract: A user may provide a financial card to an automated teller machine (ATM) or point of sale (POS) terminal and may be authenticated by providing a gesture and/or an image selection via a mobile device to the ATM or the POS. The gesture and/or image selection may be provided using a touchscreen of the mobile device. The gesture and/or image provided by the user via the mobile device may be compared to a stored gesture and/or image provided by the user during an earlier registration of the financial card. If there is a match between the gesture and/or image provided by the user via the mobile device and the previously stored gesture and/or image, then the user is authenticated and may access an account associated with the financial card.