Abstract: A machine and process for making and for using a machine. The process includes receiving, by the computer over a network, a notification of a payment comprising an amount of cryptocurrency and a first cryptocurrency address, and effectuating, by the computer, the purchase by using the amount and the cryptocurrency address from which a first public key can be derived, and applying the computer system to verifying that a digitally represented human or entity purporting to have made a purchase with cryptocurrency is entitled to obtain value for the purchase.

Abstract: Technologies related to mobile credit payment are disclosed. In an implementation, a credit payment request is generated and sent to a user account of a credit payment application (APP) installed on a mobile computing device. A payment response message is then received from the mobile computing device. The payment response message is parsed to identify an APP public key license. A pre-stored credit authorization public key is used to verify the APP public key license and an APP public key is received from the APP public key license if the verification is successful. A payment deduction request is generated and sent to the user account of the credit payment APP. A payment authorization encrypted using asymmetric key encryption is received from the mobile computing device. The APP public key is used to decrypt the payment authorization, and a transaction log is recorded if the second response message is successfully decrypted.

Abstract: A method for consumer-initiated transactions with encrypted tokens includes: storing a first cryptographic key pair comprising an account public key and an account private key, a merchant public key, an account token associated with a transaction account, an account identifier, and an issuing institution identifier; receiving transaction data for a proposed payment transaction including a transaction amount; generating a transaction order including the transaction data; generating a cryptographic checksum for the generated transaction order; generating a digital signature over the cryptographic checksum using the account private key; generating a payment token including the issuing institution identifier, the account identifier, the transaction amount, and the account token; encrypting the payment token using the account private key; and transmitting the encrypted payment token and signed cryptographic checksum to a point of sale device.

Abstract: A merchant uses a merchant point of sale (POS) device to identify items or services for purchase by a customer, and costs for each. One or more payment amounts are sent from the merchant POS device to a checkout server using an application programming interface (API), which the checkout server sends on to an authorized payment terminal device that then reads payment information from a payment object and sends the payment information back to the checkout server. The checkout server processes the transaction and confirms transaction completion to the merchant POS device and payment terminal device.

Abstract: Technologies related to credit payment based on a mobile terminal embedded secure element are disclosed. In an implementation, a payment request is received from a mobile computing device associated with a user account. The payment information including a payment amount is generated based on the payment request. The payment information is then sent to the mobile computing device. A payment authorization encrypted by a private key is received based on asymmetric encryption from the mobile computing device. A public key corresponding to the private key is used to verify the payment authorization, and a transaction log is generated for collecting a payment according to the payment amount if the payment authorization is successfully verified.

Abstract: Methods and systems for using block chain technology to verify transaction data are described herein. A computing platform may receive data about events related to transactions, personal or corporate information, supply chains, and other relevant information about a person or corporate entity. The event information may be received, aggregated, and processed to determine metadata about the person or corporate entity. The metadata may indicate, for example, a trustworthiness of the person or corporate entity for various purposes. Such event information and/or metadata may be stored as transactions in a block chain that may be accessible by counterparties to a potential transaction involving the person or corporate entity. The automated event processing computing platform may further use automated techniques to implement smart transactions between the person/entity and counterparty based on the trust metadata.

Abstract: A system, method, and computer program product provides contextual contracts across various enterprise blockchain applications. In an aspect of the present disclosure, a method is disclosed including receiving a contextual contract for addition to a blockchain. The contextual contract includes at least one state dependent term. The method further includes appending a block to the blockchain based on the received contextual contract and in response to appending the block, activating a ledger sensor for the contextual contract. The ledger sensor is configured to monitor at least one of the blockchain and at least one other blockchain for transactions that correspond to the at least one term. The method further includes receiving from the ledger sensor data about transactions that corresponding to the at least one term and finalizing the contextual contract by appending a block to the blockchain based on the received data and the contextual contract.

Abstract: A method may include obtaining unpaired transactions each including a transaction ID, an entity ID, and attributes that each correspond to an attribute type, deriving transaction groups by grouping the unpaired transactions using their entity IDs, and dividing a transaction group into a first transaction subgroup and a second transaction subgroup. The method may further include constructing a tree for the first transaction subgroup based on an attribute type, and matching a first transaction of the first transaction subgroup with a second transaction of the second transaction subgroup by searching the tree while applying a matching criterion to the transactions of the second transaction subgroup. The matching criterion may correspond to the attribute type. The method may further include: forming a matched transfer pair including the entity ID of the transaction group, the transaction ID of the first transaction, and the transaction ID of the second transaction.

Abstract: The present invention relates to a virtual token-based settlement providing system, a virtual token generation apparatus, a virtual token verification server, a virtual token-based settlement providing method, and a virtual token-based settlement providing program. The present invention comprises: a step for receiving a virtual token provided by a virtual token generation means, by a virtual token verification means; a step for extracting multiple detailed codes included in the virtual token by the virtual token verification means; a step for searching for a storage location of an actual card number on the basis of the multiple detailed codes by the virtual token verification means; and a step for transmitting the searched actual card number to a payment settlement service server or a financial company server.

Abstract: Methods and systems for using block chain technology to verify transaction data are described herein. A computing platform may receive data about events related to transactions, personal or corporate information, supply chains, and other relevant information about a person or corporate entity. The event information may be received, aggregated, and processed to determine metadata about the person or corporate entity. The metadata may indicate, for example, a trustworthiness of the person or corporate entity for various purposes. Such event information and/or metadata may be stored as transactions in a block chain that may be accessible by counterparties to a potential transaction involving the person or corporate entity. The automated event processing computing platform may further use automated techniques to implement smart transactions between the person/entity and counterparty based on the trust metadata.

Abstract: A system may receive a request for a payment payload for a payment transaction with the request including a token and a transaction amount. The token may identify a transaction account for use in the payment transaction. The system may assess the risk of fraud associated with the transaction account and the payment transaction. The system may return the payment payload in response to a favorable risk assessment. The payment payload may be passed to a merchant and from the merchant to a payment network for evaluation. The payment transaction may be approved or declined based on the contents of received payment payload matching the contents of a generated payment payload.

Abstract: A rolling electronic payment reservation and reservation system is provided. In aspects, reservations and payment capture for different items on a credit card (or other payment instrument) are split based on the type of item, and rolling, multiple credit reservations are made for different items on the same, single order.

Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, devices, and processes that, among other things, dynamically provision exchanges of data based on detected relationships within processed image data. For example, a network-connected apparatus may receive, from a device, image data that identifies a plurality of individuals associated with an exchange of data. Based on an analysis of the image data, the apparatus may determine a value of a first characteristic associated with each of the individuals and generate relationship data characterizing a relationship between the individuals. The apparatus may also determine candidate values of parameters that characterize the data exchange based on portions of the first characteristic values and the relationship data, transmit the candidate parameter values to the device. An application program executed by the device may cause the device to present at least a portion of the candidate parameter values within a digital interface.

Abstract: A cryptowallet includes a microcontroller configured to communicate with a cryptowallet application running on a host; a touch display connected to the microcontroller and used to input a PIN code and a mnemonic seed for the cryptowallet for each cryptocurrency, and to output a destination address for a transaction and the mnemonic seed; a secure cryptoprocessor having storage and cryptographic logic. The storage stores a file system representing multiple cryptocurrencies. The file system is a tree that stores a private key for each cryptocurrency. The cryptowallet application is configured to communicate with a cryptocurrency network communication component, for carrying out transactions using the cryptocurrencies, that are authorized by using the private key upon providing the PIN code and the destination address of the transaction to the cryptoprocessor. The cryptographic logic implements cryptographic functions required by the cryptocurrencies.

Abstract: A method of operating a distributed peer to peer analytics system of a permissioned distributed ledger is provided. The system includes a plurality of node computing devices in operable communication with each other over an electronic network. The method includes capturing, by a merchant computing device, sales data from a payment transaction, storing the captured sales data in a database of a first node, compiling within the first node the stored sales data into a transaction envelope, encrypting the transaction envelope with a private key of the first node, submitting, by the first node, the encrypted envelope to the permissioned distributed ledger, verifying, by a second node, the submitted encrypted envelope and adding the compiled sales data to a data block, committing, by the second node, the data block to the distributed ledger, and validating, by a consensus of the plurality of node computing devices, the committed data block.

Abstract: An electronic vehicle key and a communication system wherein the cryptographic material stored in the secure memory of the electronic vehicle key is alterable by a command received from a first communication device or a second communication device to provide multiple vehicles flexibly using personal electronic vehicle key without being dependent, during use, on access to an external database.

Abstract: A method is disclosed. The method includes generating an initial key after interacting with an access device, storing the initial key at a key storage location, altering the initial key with a public key to form an altered key, and sending the altered key to a server computer along with an identifier for the access device. The altered key is changed to the initial key at the server computer and is stored with the identifier in a database in operative communication with the server computer. The initial keys that are stored at the key storage location and in the database are used to alter and restore transaction data associated with multiple financial transactions that are conducted using the access device.

Abstract: At least one identity for a given entity is established in accordance with a decentralized identity management system maintained in accordance with a distributed ledger, wherein the identity of the given entity and a set of attributes relating to the identity are defined by a secure token file. The secure token file is referenced in the distributed ledger enabling two or more computing resource systems (e.g., storage systems) to at least one of authenticate and authorize the given entity in accordance with the secure token file.

Abstract: A computer-implemented process, system, and computer readable medium are provided for administration and governance of fiat and cryptocurrency funds in a distributed computer system. In one example, a process includes, at an electronic device with one or more processors and memory, accessing a list of a plurality of participant nodes, which may include a fund administrator receiving a list of participants or nodes. The method further includes transferring crypto-currency (e.g., that is pegged to U.S. dollars, local currency, or the like) to one or more of the participant nodes. Each of the participant nodes may include an interface portal (e.g., a web-portal) for viewing transferred crypto-currency and for transacting (e.g., bidding, soliciting, etc.) with other participant nodes of the list of participant nodes with the crypto-currency.

Abstract: This disclosure relates to methods and systems for automatically securing and validating multi-server electronic communications over a plurality of networks, without requiring additional physical or programmatic infrastructure on the intermediary servers. A processor-executable component can be transmitted from a first server to a compute device, where it generates a pair of asymmetric cryptographic parameters. The first server uses one of those parameters to verify subsequent communications from the component and respond with tagged privacy communication strings, which the component can provide to a second server as part of a secure communication exchange. The first server can then receive secure communication exchange approval request from a third server, and analyzes the request to determine a validity metric.