Abstract: Embodiments of the invention include a method of performing a payment transaction comprising receiving transaction data by a PIN pad terminal from a point-of-sale terminal, and receiving tender from a customer, by the PIN pad terminal. Tender data and the transaction data are sent to a service gateway, by the PIN pad terminal. The service gateway collects metadata from the tender data and the transaction data. The tender data is sent by the PIN pad terminal to the point-of-sale terminal, which sends the tender data and the transaction data to a merchant gateway for approval or denial of the tender data. The tender data sent to the POS may be encrypted. The service gateway may provide customer and merchant analytics based on the metadata, as well as perform security/fraud checks, BIN management, PIN pad management. Systems are also disclosed.

Abstract: The disclosure relates to a blockchain-implemented system and method of controlling the transmission and/or distribution of digital content. A first user transfers a deposit quantity of cryptocurrency to a common address. A first node associated with the first user: sends a request to the second node to provide an episode of digital content from a series of digital content; determines a payment transaction to transfer a payment quantity of cryptocurrency to the second user based on a quantity of episodes of digital content in the series; and signs and sends the payment transaction to a second node. The second node associated with the second user: receives the request and the payment transaction; verifies the payment transaction; and based on a result of verifying: provides access to the episode of digital content to the first node; and co-signs and sends the payment transaction to a distributed ledger.

Abstract: A method is disclosed. The method includes determining, by a delegated certificate authority computer, a tier from a plurality of tiers for a digital wallet provider based on a list of qualifying criteria. The method also includes generating a digital certificate based on the tier, where the digital certificate is used by a digital wallet application computer associated with the digital wallet provider to complete interactions using a digital currency maintained by a blockchain network. The method further includes transmitting, by the delegated certificate authority computer to a digital wallet application computer, the digital certificate.

Abstract: An automated method is provided for initiating a transaction function in a transaction processing device. The method comprises establishing near field communication between the transaction processing device and an NFC transmitting device having an associated tag identifier and receiving NFC information including the tag identifier. The transaction processing device transmits the NFC information to a merchant processor and receives from the merchant processor a tag rule communication including an instruction to carry out a transaction function associated with the tag identifier or a request to associate a new transaction function with the tag identifier. Responsive to receiving an instruction to carry out a transaction function associated with the tag identifier, the transaction processing device executes the transaction function.

Abstract: A system and method to facilitate transactions between a customer and a vendor is disclosed. The system and method include receiving a response email, wherein the response email includes a short lookup token associated with the transaction between a customer and a vendor; determining the long token associated with the short lookup token; decoding the long token; performing a validation of the decoded long token; and processing the transaction, on a condition that validation is approved. A system and method may also include receiving an email, the email includes a short lookup token integrated into the string of characters that compose the email address and is associated with the transaction between a customer and a vendor; determining a long token associated with the short lookup token; decoding the long token; performing a validation of the decoded long token; and processing the transaction, on a condition that validation is approved.

Abstract: A system and method for determining a geographic location of a client device to determine whether to provide content to a user of the client device is disclosed. The system determines, based on a geographic location of the client device, whether to present the video item to the user of the client device for consumption by determining whether an address of the client device is of a first type; responsive to determining that the address of the client device is of the first type: determining a blackout rule for the video item; determining whether to restrict access to the video item based at least in part on the geographic location of the client device and the blackout rule; in response to determining that the access to the video item is to be restricted, generating graphical data notifying the user of the client device that the video item is restricted.

Abstract: A computer-implemented method (100) and system (1) for controlling the performance of a smart contract. The method includes storing a contract on or in a computer-based repository. The contract is associated with a licence between a first user (U1) and a second user (U2). The method further includes receiving, over a communications network, a transaction comprising a transfer of a token from an agent (A) to the first user (U1) or the second user (U2). The transaction comprises metadata that includes an identifier indicative of a location where the contract is stored. The method further includes querying a peer-to-peer distributed ledger (i.e. blockchain) to determine whether the transaction comprises at least one unspent output (UTXO). The method further includes, responsive to querying the peer-to-peer distributed ledger, determining whether to modify performance of the contract. The blockchain may be the Bitcoin blockchain.

Abstract: Self-sovereign identity systems and methods for identification documents are disclosed herein. An example method includes transmitting data obtained from a near-field communications (NFC) chip of an object to the service provider. The data can include identifying information for an owner of the object. The method can include receiving a user identity packet from the service provider that is generated by the service provider based on verification of an identity of the owner and validity of the NFC chip, storing the user identity packet on a computing device, receiving a request from a first requesting device or service for the data stored on the NFC chip of the object and transmitting the user identity packet from the computing device to the first requesting device or service instead of the data.

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.

Abstract: A method for providing a multi-service platform to entities includes the storage of profiles for a plurality of entities involved in services with other entities, including point to point and business to business transactions, including entities not registered, that can be claimed by each entity, where each entity can provide for roles and hierarchies of authorized users of the platform for that entity, and where the platform is configured to provide, among other services, registration of procurement status for purchase orders in a digital ledger that provides for auditability and immutability.

Abstract: A method of authenticating a card for use with a mobile pay function of a mobile device is provided. The method includes: receiving a payment transaction from the mobile device; identifying the payment transaction from the mobile device as an authentication request by determining that the payment transaction includes a payment amount less than or equal to a predefined amount, wherein the authentication request includes a cryptogram; decrypting the cryptogram; verifying and approving the authentication request that was generated by the card and wirelessly transmitted to the mobile device from the card based on the decrypted cryptogram; transmitting an authentication decision to the mobile device based on the approval; and, enabling the mobile pay function for the card for the mobile device to complete mobile pay transactions utilizing the card.

Abstract: Various embodiments of the present disclosure provide techniques for facilitating a credential-less exchange over a network using a plurality of identifier mappings, member interfaces, and security code tuples that are tailored to an ephemeral key. The techniques may include receiving a secured interaction request and issuing or enabling a previously issued universally unique ephemeral key (UUEK) in response to the secured interaction request. The techniques may include validating a user, instrument, or UUEK and, in response, storing a secured event for the user, instrument, or UUEK and providing a secured interaction response indicative of the secured event. The techniques may include subsequently receiving an exchange request for executing a value-based exchange using the UUEK and facilitating the exchange request based at least in part on the secured event.

Abstract: Embodiments of the invention include a method of performing a payment transaction comprising receiving transaction data by a PIN pad terminal from a point-of-sale terminal, and receiving tender from a customer, by the PIN pad terminal. Tender data and the transaction data are sent to a service gateway, by the PIN pad terminal. The service gateway collects metadata from the tender data and the transaction data. The tender data is sent by the PIN pad terminal to the point-of-sale terminal, which sends the tender data and the transaction data to a merchant gateway for approval or denial of the tender data. The tender data sent to the POS may be encrypted. The service gateway may provide customer and merchant analytics based on the metadata, as well as perform security/fraud checks, BIN management, PIN pad management. Systems are also disclosed.

Abstract: A data broker platform may store one or more data sharing preference settings of a subscriber for the subscriber data of the subscriber in a corresponding subscriber preference record of a subscriber preference blockchain ledger. The platform may further store one more access policy settings with respect to the subscriber data in a corresponding access configuration record of an access configuration blockchain ledger. The platform may receive a data request from a computing device of a third-party entity to access a set of subscriber data of the subscriber. Accordingly, the platform may provide the computing device of the third-party entity with access to the set of subscriber data when the platform determines using records in the subscriber preference blockchain ledger and the access configuration blockchain ledger that the third-party entity is permitted to access the set of subscriber data.

Abstract: Healthcare transaction validation systems and methods are presented. Healthcare transactions associated with a stakeholder are compiled into a chain of healthcare transaction blocks. The chain can be considered a chronicle of person's healthcare path through life. When a transaction is conducted, the corresponding healthcare parameters (e.g., inputs, outputs, clinical evidence, outcomes, etc.) are sent to one or more validation devices. The devices establish a validity of the transaction and generate a new block via a proof-of-work principle. Once the new block has been calculated it can be appended to the stakeholder's health care blockchain.

Abstract: Systems and methods for determining and executing complex multi-route transfers of digital assets are described. A multi-route transfer of a source asset for a destination asset may be determined by analyzing a graph representing a plurality of assets and exchanges to determine a plurality of unique transfer paths. A transfer path may reflect a direct transfer in which the source asset is swapped for the destination asset, or it may reflect a series of intermediate transfers in which the source asset is swapped for intermediate asset(s) that are swapped for the destination asset. Dynamic programming can be used to select the transfer paths to include in the multi-route transfer, how to distribute swaps across those transfer paths, and how to distribute swaps for each transfer of a transfer path—thereby optimizing for the total amount of the destination asset received while accounting for transaction fees.

Abstract: Healthcare transaction validation systems and methods are presented. Healthcare transactions associated with a stakeholder are compiled into a chain of healthcare transaction blocks. The chain can be considered a chronicle of person's healthcare path through life. When a transaction is conducted, the corresponding healthcare parameters (e.g., inputs, outputs, clinical evidence, outcomes, etc.) are sent to one or more validation devices. The devices establish a validity of the transaction and generate a new block via a proof-of-work principle. Once the new block has been calculated it can be appended to the stakeholder's health care blockchain.

Abstract: A game reward system is described herein that pays players to play a video game. The system does this by utilizing the unused resources of the player's computing device to perform cryptographic hashes and mine one or more cryptocurrencies. The game reward system generates a jackpot based on the cryptocurrency that has been mined, allocates some amount to the system operator for profit of running the system (e.g., 10%), and divides the remaining amount among the players of enough rank as a reward. Instead of charging people to buy a game, the game maker using the game reward system can make the game free for players to play. Thus, the game reward system completely changes the business model of games, makes games more fun, and rewards players in a new way for playing games.

Abstract: Described herein are systems and methods for virtualizing policy enforcement amongst participants of an overlay network. In some embodiments, each of the participants may maintain a separate blockchain network. The overlay network may receive smart contracts or other policy documents that include information on interactions with a particular participant or between participants. A controller, which may be implemented on any node of the overlay network, may then extract an interaction algorithm from that smart contract that may be stored in policy data to be used in completing transactions between two participants of the overlay network. In some embodiments, the policy data may include cost data which may be used to determine how two entities may interact.

Abstract: This invention relates generally to methods and apparatus for providing secure services using a mobile device, and in particular for securely making transactions, such as payments, using mobile phones and smartphones.