Abstract: Provided is a computer-implemented method for performing analysis of transaction data. The method may include receiving streaming data, wherein the streaming data comprises a plurality of data identifiers and transaction data associated with each transaction of a plurality of transactions, wherein each data identifier is associated with transaction data associated with a transaction so that the transaction data associated with each transaction is separated by a data identifier, filtering the streaming data using at least one predetermined data identifier value to provide filtered transaction data, determining whether the filtered transaction data corresponds to at least one predetermined transaction parameter, and asynchronously storing the filtered transaction data associated with the at least one transaction in at least one data structure. A system and computer program product are also disclosed.

Abstract: A payment transaction method and device are provided. The electronic device includes a first communication module comprising first communication circuitry configured to transmit and receive first payment information, a second communication module comprising second communication circuitry configured to transmit second payment information, and a processor which is functionally connected to the first and second communication modules, wherein the processor is configured to receive a payment request signal, to select one of the first and second communication modules based on the received payment request signal, and to transmit payment information corresponding to the selected communication module to an external device.

Abstract: Systems, methods, and apparatuses for providing a customer a central location to manage permissions provided to third-parties and devices to access and use customer information maintained by a financial institution are described. The central location serves as a central portal where a customer of the financial institution can manage all access to account information and personal information stored at the financial institution. Accordingly, the customer does not need to log into each individual third-party system or customer device to manage previously provided access to the customer information or to provision new access to the customer information.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for electronic generation of resource distribution documents via system integrated interface on a platform application. A user may input information for generating a digital resource distribution document via system controlled applications within the external platform application. The system may generate the resource distribution document for digital or physical use. Furthermore, the system deploys multi-level security authorization requirements for distribution of resources via the resource distribution documents. In this way, the system encrypts the information inputted into an encrypted scannable code; the system generates a digital photo of the generated document, and stores device information associated with the device that was used to generate the document.

Abstract: A secure element integrated within a mobile communications terminal. Such an element includes: at least one first application for processing transactions, having at least one interface for communications with a communications network in a secured manner; and at least one second application for processing secured data, having at least one communications interface for communications with an executing environment of said communications terminal. The first application is able to request at least one piece of data from the second application.

Abstract: Integrity of a physical object is verified by receiving, data encapsulating a request to verify the integrity of the physical object. Subsequently, a data structure is accessed that includes a plurality of linked segments each characterizing an entity within a supply chain for the physical object. Each segment includes a respective predecessor field and a respective hash value. All of the segments can be iterated through in reverse chronological order to confirm, for each segment, whether a value for the predecessor field is equal to a hash value in a hash field in an immediately previously segment, the hash value being a hash of all values of the particular segment. Data characterizing the iteration can then be provided. Related apparatus, systems, techniques and articles are also described.

Abstract: A payment transaction method and device are provided. The electronic device includes a first communication module comprising first communication circuitry configured to transmit and receive first payment information, a second communication module comprising second communication circuitry configured to transmit second payment information, and a processor which is functionally connected to the first and second communication modules, wherein the processor is configured to receive a payment request signal, to select one of the first and second communication modules based on the received payment request signal, and to transmit payment information corresponding to the selected communication module to an external device.

Abstract: A physical cryptocurrency may comprise a physical medium and an attached processor. The processor may generate a public-private key pair, or the public-private key pair may be generated in a secure and auditable manner external to the processor and stored on the processor. The private key may enable execution of a smart contract on a blockchain to transfer an asset from a starting address to a destination address on the blockchain.

Abstract: A method and system for automatic cost assessment of cloud computing resources. A cloud management server computer manages data centers in a smart cloud computing system that provisions computing resources to consumers. The cloud management server computer registers conditions of interest with multiple news sources, receives reports regarding the conditions of interest from one or more of the news sources, and automatically estimates a cost of operating each of the data centers based on the reports. Among the data centers, a first data center is estimated to have a cost increase because of a condition that is reportedly about to occur. The cloud management server computer automatically migrates workload from the first data center to a different data center before the condition occurs.

Abstract: In a computer-implemented method for providing mobile loyalty services via a native mobile application, mobile payment is provided via a mobile device through a native mobile application of the mobile device, wherein the native mobile application is provided by a single party. Mobile marketing is provided to a user of the mobile device by the native mobile application. Security of the mobile payment is provided by the mobile native mobile application.

Abstract: In a computer-implemented method for providing biometric security for mobile loyalty services via a native mobile application a physical location of a mobile device are accessed by a single native mobile application executing on the mobile device, wherein the physical location is accessed in response to a user initiating access to the mobile loyalty services. A time corresponding to a determination of the physical location of the mobile device is accessed. A date corresponding to a determination of the physical location of the mobile device is accessed. Biometrics of the user of the mobile device is accessed. Biometric security of the single native mobile application is provided based on the physical location, the time corresponding to a determination of the physical location of said mobile device, the date corresponding to a determination of the physical location of the mobile device, and the biometrics of the user.

Abstract: The disclosed embodiments include processes that securely approve and execute exchanges of data between systems, apparatuses, and devices in a computing environment. For example, a terminal device may establish communications with a client device across a direct channel of communication, and may initiate an exchange of data with that additional device across the direct communications channel. The initiated data exchange may be characterized by a value of a data-exchange parameter, and the terminal device may determine to authorize the current data exchange in real-time based on cryptographically secure distributed ledger data maintained by the client device and provided to the terminal device across the direct communications channel. Further, and based on transmitted confirmation data, the client device may generate additional, cryptographically secure of the distributed ledger data to reflect the authorized data exchange.

Abstract: Methods and systems for virtual checking are described. In some embodiments, information for a virtual check created in a mobile device associated with a payor can be received from the mobile device. The information may include an amount of the virtual check. A computer system may determine whether there are sufficient funds to cover the amount of the virtual check and may place the funds in the amount of the virtual check in reserve when the funds are sufficient to cover the amount of the virtual check.

Abstract: Methods and systems for generating on-demand payment instruments are described. A user with a user payment account may perform a transaction with a user device and request an on-demand payment instrument. The request may be communicated to a transaction device. The transaction device may authenticate the request and associate an on-demand payment instrument to the user payment account. Information associated with the on-demand payment instrument information may then be tokenized and communicated to the user device, the merchant, or another party and the information may be entered and/or processed for the transaction.

Abstract: Techniques for authenticating the identity and validating the profile of an individual (“a presenter”) who presents him or herself to another party (“an acceptor”) as having a certain identity and having certain corresponding profile data are described. The invention can be advantageously used in Internet transactions where such authentication and validation is difficult to perform. The techniques of the present invention allow the trusted party to give a definitive answer regarding the authentication of identity and validity of profile data. Other services such as profile data provisioning and profile data updating can also be performed.

Abstract: A system, computer program product, and method for executing real-time processing of resource transfers using distributed ledger technology is provided. In particular, the system utilizes a private or semi-private blockchain to create a distributed ledger which comprises a record of all resource transfers between a number of entities. The real-time processing system addresses a number of computer technology-centric challenges associated with executing resource transfers. In particular, executing resource transfers on a real-time basis allows the nodes of the blockchain to more evenly distribute computing workload over time when compared to more traditional resource transfer systems that use batch processing to execute transfers.

Abstract: An example operation may include one or more of changing a status of a current blockchain to a closed and retired status based on expiration of a limited time window, creating a genesis block associated with a new blockchain, storing a world state of the current blockchain in the genesis block, creating one or more smart contracts, storing the one or more smart contracts on the new blockchain, and initiating an open stage on the new blockchain, and the open stage permits one or more potential blockchain transactions to be written to the new blockchain.

Abstract: A method for updating a virtual punchcard check-in system, including: accesses an input to a mobile device, wherein the input comprises a verification code that is displayed at a business establishment, wherein the verification code serves as a notification of an attempted check-in of a customer at the business establishment, wherein the customer is associated with the mobile device; based on comparing accessed mobile device identification information with a set of mobile device identification information, identifies the mobile device to achieve an identified mobile device; sends a request for a location check of the mobile device to a phone carrier; receives from the phone carrier a location identification of the location of the mobile device; and if the location identification matches a location of the business establishment, generates a message, wherein the message comprises a punchcard status for the business establishment as it relates to the customer.

Abstract: Techniques are disclosed for unlocking in-game content for a video game application. In one embodiment, the video game application may be operated by a user that is concurrently viewing media content. The video game application captures an audio signal from the concurrently-playing media content, performs content recognition on the captured audio signal, and determines whether to unlock one or more portions of in-game content based on the identified media content.

Abstract: A device comprising an input for obtaining consumption data relating to the consumption of a utility provided by a utility provider, an output for outputting modified consumption data and a processor arranged to generate the modified consumption data based on obtained consumption data so that the modified consumption data starts to converge with the obtained consumption data if a deviation of the obtained consumption data from the modified consumption data exceeds a predetermined threshold.