Abstract: A computer can monitor network traffic on a blockchain computing network. The computer can determine a current level of network congestion on the blockchain computing network. The computer can execute a first machine learning model that predicts a timeseries of future transaction costs based on historical data and the current level network congestion level of the blockchain computing network. The computer can also execute a second machine learning model to predict a timeseries of future transaction sizes and UTXO types for the distributed ledger-based account based on historical transaction data. The computer can select one or more UTXOs to use to complete the transaction of the transaction request. The computer can append a block instance containing an identification of the selected one or more UTXOs to the blockchain to complete the transaction.

Abstract: Methods and apparatus, including computer program products, are provided for express voting. In some example embodiments, there is provided a method for express voting. The method may include authenticating a voter based on a token carried by a user equipment, the token mapped to at least one of an identity of the voter, a precinct of the voter, and a ballot for the voter; and providing, when the authenticating indicates the voter is authorized to vote, the ballot presented on the user equipment. Related systems, methods, and articles of manufacture are also disclosed.

Abstract: A decentralized hybrid system for collecting, storing, and managing sensitive data, such as medical record data. Data is stored as multiple atomic records in a centralized database. A non-fungible token (NFT) is associated with each data record and assigned to a cryptographic wallet of a party owning the data in the data record on a blockchain ledger. A user key based on the wallet is stored in a centralized user database to identify the data owner to the system. Ownership tokens are granted for each data record and distributed to parties have an ownership interest in proceeds from the sale of data. When data is purchased, the proceeds are distributed, pro rata, based on the ownership tokens.

Abstract: A system for authorizing an external device to access computerized records. The system includes a server. The server includes a computerized records data-store. The computerized records data-store stores multiple computer executable files associated with subjects. The system includes a communication network which facilitates communication between at least two of the subjects, the server, and the external device. The system includes a contextual authorization device for authorizing access to the external device for the computerized records. The contextual authorization device includes a database storing a set of custom rules. The contextual authorization device further includes a Global Positioning System-based tracking device, a credentialing engine, and a user behavior analytics engine. The contextual authorization device further includes an access module to process authorization of the external device for access of the computerized records.

Abstract: Secure electronic payment is disclosed as it may be implemented for a point of sale machine such as but not limited to, vending machines/devices, parking devices/facilities, and laundry machines/facilities. An example secure electronic payment system includes a remote payment processing to confirm payment for a transaction at a point of sale device. The point of sale device is configured to receive a token from the mobile device for the transaction. A token processing module at the point of sale device confirms validity of the token. A transaction processing module executes the transaction at the point of sale device.

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: A process generates a certificate of authenticity for a virtual item. Further, the process sends, with the processor, the certificate of authenticity to a decentralized network of computing devices such that two or more of the computing devices store the certificate of authenticity. The two or more of the computing devices receive, from a user device that provides a virtual reality experience in which a virtual item is purchased, a request for authentication of the certificate of authenticity. In addition, the two or more computing devices authenticate the certificate of authenticity based on one or more consistency criteria for the certificate of authenticity being met by the two or more computing devices.

Abstract: A method, a device, and a non-transitory storage medium are described in which a rehearsal network service is provided that enables generalized learning for all types of input patterns ranging from one-shot inputs to a large set of inputs. The rehearsal network service includes using biological memory indicator data relating to a user and the input data. The rehearsal network service includes calculating a normalized effective salience for each input data, and generating a new set of input data in which the inclusion of input data is proportional to its normalization effective salience. The rehearsal network service provides the new set of input data to a learning network, such as a neural network or a deep learning network that can learn the user's taste or preference.

Abstract: Cryptocurrency can be stored in a plurality of cryptocurrency wallets associated with a plurality of respective users and managed by establishing a unit cost basis value for each cryptocurrency unit in a fiat currency. For example, a purchase request is received by a server computer from a user device. The purchase request is associated with a merchant to be paid in a cryptocurrency chosen by a user and stored in a cryptocurrency wallet of the user. A cryptocurrency exchange from multiple cryptocurrency exchanges having the best cryptocurrency exchange rate is identified for converting the chosen cryptocurrency to the fiat currency. A gain for the purchase transaction is calculated when the best cryptocurrency exchange rate is greater than the unit cost basis value of the chosen cryptocurrency stored in the cryptocurrency wallet of the user. The fiat currency converted in the identified cryptocurrency exchange is received from the cryptocurrency exchange to pay the merchant.

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: Technique introduced here relates to virtual currency related services, and more specifically, to tools for providing crypto or other digital currency (e.g. bitcoin) related services, including bitcoin DNS service, sending bitcoins over social media communication networks, a bitcoin trading platform and secure storage services for bitcoin.

Abstract: An electronic tokening system implemented by a data source transmits secure electronic tokens including time-based values to a plurality of terminals. The terminals may be geographically disparate, and the different terminals may have different connection speeds to the data source. The terminals may use the secure electronic tokens to consistently and reliable calculate data values.

Abstract: The invention provides a secure method for exchanging entities via a blockchain. The invention incorporates tokenisation techniques, and also techniques for embedding metadata in a redeem script of a blockchain transaction.

Abstract: A method, system and computing device for incorporating marketing into a user authentication enables valuable marketing information to be received from or provided to users, in an authentication context where the users are likely to be attentive and focused. Thus, marketing information is likely to be thoroughly reviewed by the users, easily recalled by the users at a later time, and user profile data collected from the users is likely to be accurate. The method includes presenting an authentication challenge to a user of a computing device, the authentication challenge including a number of challenge elements; receiving a response to the authentication challenge from the user; and presenting a non-authentication marketing activity to the user, the non-authentication marketing activity including a number of activity elements, and where the activity elements correspond with the challenge elements.

Abstract: According to one perspective, the invention provides a technical arrangement to calculate, register and/or apportion costs and/or generate income in proportion to the current ownership of an asset. One or more embodiments also comprise a novel technique for generating cryptographic sub-keys. Thus, one benefit provided by the invention is that it allows the secure distribution of costs and income for an asset registered and maintained on the Blockchain. In turn, this increases the capability of such assets to meet the real-world needs of various entities such as the asset itself and investing parties.

Abstract: A mobile voting system and method are provided. The mobile voting system may include a mobile messaging aggregator configured to receive voter verification requests from one or more mobile carriers, and a mobile voter verification server configured to verify a voter's identity in response to a voter verification request and generate a link to a mobile ballot once the voter's identity has been verified. The mobile messaging aggregator may cause the link to the mobile ballot to be transmitted to a mobile device of the voter, which when selected by the voter, allows the voter to cast a vote.

Abstract: Methods of performing transactions with a payment card comprising an integrated circuit are disclosed comprising interacting with an integrated circuit on a received payment card and inferring an application corresponding to a card brand and card type of the payment card, or retrieving a map of the integrated circuit to read records on the integrated circuit based on the map, are disclosed. Corresponding devices, such as PIN pads, and computer products are also disclosed.

Abstract: The present disclosure is directed to security settlement in financial markets and cryptographic currencies. Particular portions of the present disclosure are directed to a cryptographic currency protocol and to a cryptographic currency that includes a positional item. The cryptographic currency protocol supports a virtual wallet that, in various embodiments, is a security and cash account for storing and managing the cryptographic currency. Opening a transaction via the virtual wallet to transfer the cryptographic currency is a strong guarantee of the availability of funds in the virtual wallet because, e.g., funds are not transacted unless the commit phase is successful.

Abstract: An authentication application may receive, from a merchant application of a client device, a merchant identifier, a transaction identifier of a transaction, encrypted data, and a location of the client device. The authentication application may decrypt the encrypted data based at least in part on a private key. The authentication application may determine that the contactless card has been used to make a previous purchase with the merchant and that the location of the client device is within a threshold distance of a known location associated with a contactless card. A virtual account number generator may generate a virtual account number and transmit the merchant identifier, the transaction identifier, the virtual account number, an expiration date, and a card verification value (CVV) to a merchant server associated with the merchant to process the transaction using the transaction identifier, the virtual account number, the expiration date, and the CVV.

Abstract: The invention comprises a computer-implemented method and system for controlling an exchange process, such as a loan, conducted between at least two parties via a blockchain such as the Bitcoin blockchain. A method according to the invention may comprise the step of generating a first blockchain transaction which includes a redeem script. The redeem script comprises a cryptographic public key associated with an initiating party and metadata which includes a hash of an exchange-related document; a redeem address; and an amount of digital currency. A second blockchain transaction is generated and published to the blockchain so as to spend the digital currency to the redeem address. This provides the advantage that the further transaction will be publically available and thus detectable by other parties once it has been published. The further transaction can provide the information necessary to trigger a response e.g. an offer from another (responding) party who publishes their response on the blockchain.