Abstract: A secure authentication system, computer program recording medium and method enable secure transaction with authentication to eradicate fraud. A customer is authenticated via a customer application executed on a communication device. A customer-paced communication session is enabled between the customer application and a transaction system via a network connection. A customer continuity factor is monitored in maintaining the communication session. In response to receiving a customer request via the customer application, a level of trust in current authentication of the customer is determined based on the user continuity factor. In response to the level of trust being below a trust threshold, the customer is directed via the customer application to provide a customer request comprising a customer-supplied image having a specified contextual element. The communication session is re-authenticated to process the user input by the transaction system based on verification of the received user-supplied image.

Abstract: Disclosed are examples of a method, a wearable device and a system enabling authentication of a user of a payment account or completion of a purchase transaction via signals generated by the wearable device. A process may include a wearable device generating a modulated signal using an encryption algorithm. The modulated signal may contain authentication information related to the wearable device including a cryptographic authentication message. The modulated signal is output to a biological medium interface of the wearable device that is coupled to a biological medium of a wearer of the wearable device. The biological medium is operable to conduct the modulated signal. A receiving device processes including decrypting and demodulating the modulated signal received from the biological medium. Using the demodulated signal, the authentication information transmitted from the wearable device is obtained. Based on the obtained authentication information, a transaction may be authorized, or a user authenticated.

Abstract: Systems and methods for providing tag-based social interaction are provided. Users generate tags that allows a third party to connect with the user. Personally identifiable information of the user can be obfuscated, thereby allowing a user to send random acts of kindness, payments, gift cards, or other types of communications to other users while remaining anonymous.

Abstract: A zero knowledge proof purchase system and process using blockchain is disclosed. The system may comprise a customer device, a merchant system, an issuer system, and a blockchain network having a zero-knowledge proof (ZKP) smart contract. The system may implement a zero-knowledge proof algorithm having a key generator function, a proof function, and a validate function. Each function may be configured to perform various tasks in the system to support and enable zero-knowledge proof purchases.

Abstract: A method of displaying or providing a multi-layer digital asset in a digital environment includes retrieving, from a digital blockchain ledger, data associated with a first, primary non fungible cryptographic token (NFT). The data includes a first pointer identifying a first retrieval location of a first digital graphics file representative of a primary digital asset, and further includes a reference to a second, sub-asset NFT. The sub-asset NFT includes a second pointer that identifies a second digital graphics file. The method further includes retrieving the first digital graphics file and the second digital graphics file, layering an image from the second digital graphics file on the primary digital asset to form the multi-layer digital asset, and displaying the multi-layer digital asset in a digital environment.

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: A mobile device with a first transceiver, a second transceiver, one or more processors, and memory bridges communications between an offline retail machine with a short-range communication capability and a remote server by obtaining via the first transceiver a single-use request code from an information packet broadcast by the offline retail machine; transmitting via the second transceiver the single-use request code to a remote server; obtaining via the second transceiver from the remote server a grant token including the single-use request code; detecting a trigger condition for initiating provision of a product or service by the offline retail machine; and in response to detecting the trigger condition, initiating performance of the provision of the product or service by transmitting the grant token to the offline retail machine via the first transceiver.

Abstract: An offline retail machine comprising a short-range transceiver, one or more processors, and memory performs communications operations via one or more mobile devices. The communications operations include establishing via the short-range transceiver a connection with a first mobile device, and transmitting first information to the first mobile device. Upon not receiving an acknowledgement that the first information was received by a remote server, the offline retail machine maintains the first information in the memory and establishes, via the short-range transceiver, a connection with a second mobile device, appends the first information to second information, and transmits the first and second information to the second mobile device. Upon receiving acknowledgement that the first and second information were received by a remote server, the offline retail machine deletes the first and second information.

Abstract: Systems and methods for associating a proxy card with an electronic wallet are disclosed. A computer implemented method may include receiving anauthentication information of a proxy card, and associating the proxy card with an electronic wallet, wherein associating the proxy card with the electronic wallet allows secure access to the electronic wallet when the proxy card is presented at a point of sale. A system may include a proxy card comprising authentication information, and an electronic wallet associated with the proxy card, wherein the association of the electronic wallet with the proxy card allows secure access to the electronic wallet when the proxy card is presented at a point of sale. A wallet redemption card may comprise a rewriteable magnetic stripe, a smart chip, a wireless communicator operably connected to the smart chip, and an interface operably connected between the rewriteable magnetic stripe and the smart chip.

Abstract: A system and method for handling crypto-asset transactions includes: receiving from a payment processing system an electronic transaction request including: a payment token corresponding to a payment identifier associated with the customer account, and a transaction amount in a fiat currency; determining current price data corresponding to a first crypto-asset and a second crypto-asset associated with the customer account; associating the electronic transaction request with at least one data processing task for executing at least one crypto-asset transaction; and when at least one crypto-asset confidence condition is satisfied based on the current price data of at least one of the first crypto-asset or the second crypto-asset, generating signals for providing, via the payment processing system, an indication that the electronic transaction request is authorized without waiting for confirmation of execution of the at least one crypto-asset transaction in the respective distributed ledger.

Abstract: Provided is a data distribution method for a data distribution system which includes a device and a plurality of authentication servers.

Abstract: Disclosed is a method for use in a virtual asset transmission from a sender having a sending account at a sending virtual asset service provider (sending VASP) to a recipient having a receiving account at a receiving virtual asset service provider (receiving VASP).

Abstract: There are provided systems and methods for requesting payment for selected items or services using payment tokens. A first user, such as a requester for a transaction, may initiate a transaction with a merchant for at least one item or service. Upon checkout for the transaction, the first user may request that a second user complete payment for the transaction, such as a parent, spouse, or relative. A payment provider may generate a token for the transaction and instruct the merchant to hold the transaction for a period of time. The token may be communicated to the second user, a payer, for the transaction. The second user may then decide to authorize or decline payment for the transaction. The token may be kept valid for a period of time and the transaction may be cancelled with the merchant if the token is not paid for within the period.

Abstract: Delegating issuance capability to a third-party of fungible digital assets involves a central (e.g., central bank) processor receiving a request to issue fungible digital assets from a third-party node; verifying the request; validating request to issue fungible digital assets from the third-party; approving or rejecting the request; if the request to issue fungible digital assets is approved, creating an issuance authorization message; executing a smart contract clause to add an entity of the third-party node to a list of authorized entities; publishing the issuance authorization message on a blockchain indicating that a third-party node has been added to the list of authorized entities; and publishing a revocation message on the blockchain revoking an authorization granted to the third-party node to issue digital assets.

Abstract: A uniform resource locator (URL) stored or presented on a tangible, non-transitory medium includes key parameters of an address on a blockchain network from which a token or value is to be transferred. The URL points to computer program code on the blockchain network such that execution of the URL causes the computer program code to produce a cryptographically signed transaction having the key parameters of the address and key parameters of a recipient address on the blockchain network to which the token or value is to be sent, and further causes the computer program code to transfer the token or value from the address to the recipient address. A method generates a URL containing key parameters of an address on the blockchain network that upon execution automatically results in a recipient device that executed the URL receiving control over a token or value stored at the address.

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: Systems for securing transactions based on merchant trust score are disclosed. The system may receive information identifying a merchant from a user device and, in response, retrieve transaction data associated with the merchant and receive website data in response to receiving information identifying the merchant. The system may use a machine learning model to generate a merchant trust score for the merchant, and determine whether the merchant trust score is less than a predetermined threshold. The system may also generate or retrieve an alternative payment method and provide related information or a recommendation to the user device.

Abstract: A workflow management system can be used to determine whether a set of transaction events have been properly processed according to a business process rule. A business process rule includes a set of transaction events setup in accordance with a government regulation or an internal company process. An event data may include information associated with a transaction event. A workflow management system includes a workflow management server that receives cryptographically signed transaction event data from one or more additional servers so that the workflow management server can determine whether the received transaction event data comprises a complete or an incomplete transaction.

Abstract: This disclosure describes techniques for implementing a blockchain to manage license compatibility. The techniques include parsing a code segment in a version of source code based on one or more parsing parameters, wherein the code segment is associated with a transaction and distributed under a license. Thereafter, one or more blocks are inserted onto a blockchain distributed ledger recording the transaction. Upon receiving an updated version of the source code comprising a change to at least one code segment associated with a new transaction, additional blocks are inserted onto the ledger recording the new transaction. Based at least on the transaction recorded in the blocks, the license associated with the version of the source code is identified. Additionally, a flag may indicate license incompatibility with the license if the change to at least one code segment associated with the new transaction violates a license restriction of the identified license.

Abstract: A cross-blockchain value transfer approval method including the steps of receiving a cross-blockchain value transfer request command that includes a first address on a first blockchain network, a first cryptocurrency type indication associated with the first blockchain network, a second address on a second blockchain network, a second cryptocurrency type indication associated with the second blockchain network, and a transfer quantity. The method further includes sending a transaction approval request to a second user, receiving a cross-chain respond command API request from the second user, and upon receiving the cross-chain response command approving the transfer, sending a command to initiate a value transfer to an exchange server.