Abstract: A terminal configuration network includes a communications terminal and a certificate server. The certificate server is configured to receive, from the communications terminal, an activation request that includes at least one credential. The certificate server is configured to confirm that the credential was uniquely associated with the terminal in a database before the server received the activation request. The certificate server is also configured to generate an activation response that includes a digital certificate, and to transmit the response to the terminal. The terminal communications is configured to establish an encrypted channel with a computer server using the digital certificate, and to download a payload to the terminal via the encrypted channel. The computer server is distinct from the certificate server.

Abstract: Devices, systems, and process for generating fixture specific models for use in adjusting pricing of real-time betting lines are described. A system may include a front-end system including an event-activity-fixture (EAF) server that adjusts betting lines based on results of simulations generated by an EAF simulation server (EAFSS). The EAFSS generates the simulations using fixture specific models that have been generated based upon adaptations of generic models, where the adaptations occurring using historic and real-time EAF data and fixture specific modeling data. The fixture specific models adapted from one or more generic models are leveled and stored in a database for use by the EAFSS on a real-time basis as the EAF occurs. A server for adapting the generic models instantiate one or more computer engines including a model adaptation engine, a generic modeling engine, an EAF data engine, and an FSM leveling engine.

Abstract: A secure service provider unit (SPU) in an electronic transaction system includes: a secure wallet issuing unit (TMU-IU) including control means configured to issue secure wallets (TMU-U) for users (U) in the electronic transaction system (TS). Each secure wallet (TMU-Ux) has wallet identification data (TMU-ID) assigned to a secure wallet (TMU-Ux) for uniquely identifying the secure wallet (TMU-Ux) in the electronic transaction system (TS). The control means of the secure wallet issuing unit (TMU-IU) for a secure wallet to be issued is configured to provide at least a part (TMU-ID-VAR) of the wallet identification data (TMU-ID), which is derived from external digital identification data (D-ID-Ux).

Abstract: In some embodiments, a first server computer may be provided. The first server computer may comprise a processor and a computer readable medium coupled to the processor. The computer readable medium may include code executable by the processor for implementing a method. The method may include the step of electronically receiving an authorization request message that includes a first device verification value from a merchant for a first transaction, where the first device verification value may have been received by the merchant from a mobile device based on an interaction between the mobile device and an access device. In some embodiments, the mobile device may have received the first verification value based on a first request. The method may further include the step of determining by a data processor if the first device verification value corresponds to a stored device verification value.

Abstract: A computer implemented method of assessing the probability of fraudulent activity in an account to account payment is provided. The method comprises determining, based on previous credit balance settlement transactions between a first account and a card settlement account, that a first set of payment credentials is associated with the first account. It is determined that a second set of payment credentials are associated with the merchant account. A database comprising historical data indicating details of past payment transactions between the holder of the first set of payment credentials to the holder of the second set of payment credentials is accessed. A fraud probability engine is used to generate, based on the historical data, a fraud probability value for a transaction from a first account to a second account, wherein the fraud probability value is an estimate of the probability of the transaction being fraudulent.

Abstract: Systems and methods are disclosed for dual, simultaneous, single-session, proximity-based, secure authentication of a Digital Assisted Shopping (DAS) representative and a customer in an unsecured remote location. The method includes installing a mobile banking application on the customer's device and an enterprise application on the DAS representative's device, both with biometric verification. Proximity detection using Bluetooth Low Energy (BLE) initiates a secure session via push notifications. A secure communication channel is established through a secure local handshake, involving encryption key exchange and mutual authentication. The system exchanges data related to customer profiles and financial accounts, continuously monitors geolocation using GPS, Wi-Fi, and cellular data, and performs periodic background biometric re-verifications. AI/ML algorithms analyze customer data to propose financial products and services, which are securely shared with the customer for review and selection.

Abstract: Universal blockchain and other management platforms and methods of use are provided herein. A blockchain subscription pay manager app is configured determine which users are associated with which merchants and which subscription plans by way of a blockchain subscription plan invoicing and payment processing capability which enables collection of user and merchant information, subscription plan set up and payment information and gives the user and merchant a “look and feel” of a universal centralized payment system despite interactions with the subscription smart contracts/wallets over the blockchain decentralized network.

Abstract: A system and method provide efficient, secure, and highly reliable authentication for transaction processing and/or access control applications. A Personal Digital Key stores one or more profiles (e.g., a biometric profile) in a tamper-proof memory that is acquired in a secure trusted process. Biometric profiles comprise a representation of physical or behavioral characteristics that are uniquely associated with an individual that owns and carries the PDK. The PDK wirelessly transmits the biometric profile over a secure wireless transaction to a Reader for use in a biometric authentication process. The Reader compares the received biometric profile to a biometric input acquired at the point of transaction in order to determine if the transaction should be authorized.

Abstract: An NFT (Non-Fungible Token) issuing method according to the present disclosure includes receiving a selection of a first artwork in which a watermark is embedded, authenticating, in reference to the watermark and information concerning a user who selects the first artwork, whether or not the user is an artist of the first artwork, and generating a first NFT indicating the first artwork when the authenticating succeeds. Embodiments of the present disclosure can prevent NFT conversion of a digital artwork by a person who does not have a legitimate right.

Abstract: A method of updating certification tokens for identity verification including receiving at a server an indication of timeout of a timed-out keypair associated with a user network account performing by the server a certification process responsive to the timeout of the timed-out keypair, and adding at the server each of a sealed verification record contract address and a certification record contract address generated by the certification process to the user network account.

Abstract: In one embodiment, a method includes receiving, by a payment service system (PSS), a payment request from a payment application executing on a device of a sender. The payment request includes a recipient identifier corresponding to a recipient. The sender and recipient have financial accounts associated with the PSS. The method includes determining a similarity score based on a comparison of contact records associated with the device of the sender and contact records associated with a device of the recipient. The method includes, responsive to determining that the similarity score does not satisfy a threshold similarity score, transmitting a confirmation request to the device of the sender to confirm an identity of the recipient. The method includes receiving, from the device of the sender, an approval response to the confirmation request. The method includes, authorizing a payment transaction associated with the payment request based on the approval response.

Abstract: The present invention generally relates to a method, system and program product for depositing and withdrawing a stable value digital asset tied to a blockchain in exchange for fiat.

Abstract: A system and method for automated remote payments between a vehicle and a refueling station is disclosed. The system may enable the vehicle to initiate an automated remote payment to the refueling station without needing the user to manually input transaction account information, or to manually prepay for the transaction. The refueling station may detect when the vehicle is in proximity, and the vehicle and the refueling station may open communications to transmit data. The vehicle may transmit vehicle identifying data to the refueling station, and the refueling station may communicate the vehicle identifying data to a payment network to authorize the transaction. In response to authorizing the transaction, the vehicle may proceed with refueling at the refueling station.

Abstract: A user device includes a display, a camera, and an application. The application is structured to: receive first image data of a first user from a first input of the camera; receive second image data of a second user from a second input of the camera; receive a payment amount of a bill; detect a location of the first user; determine a recommended division of the payment amount of the bill based on the first user, the second user, and the location; receive a first value of the payment amount owed by the first user and a second value of the payment amount owed by the second user; and initiate a transfer of funds from a first user account associated with the first user based on the first value and from a second user account associated with the second user based on the second value.

Abstract: Technologies are described herein for improvements in the security of verifiable credentials. A method can include requesting, by a first decentralized identifier (DID) associated with a decentralized web node (DWN), a verifiable credential from a second DID, wherein the second DID is included in a pool of DIDs. The method also includes receiving, from the pool of DIDs and by the first DID, the verifiable credential. The method also includes receiving, from a third DID and at the first DID, a request to verify information associated with the first DID. The method also includes determining, at the DWN, that the verifiable credential includes the information requested by the third DID. The method also includes presenting, by the DWN, at least a portion of the verifiable credential to the third DID in response to determining that the verifiable credential includes the information.

Abstract: Fuel dispensing transactions may be accomplished by a variety of systems and techniques. A fuel dispensing device may include a payment module, a data entry device, and a customer display. The payment module may receive a first communication from a point of sale device requesting an encrypted response and receive a second communication from the point of sale device requesting an unencrypted response. The module may match the first communication to a first corresponding library entry, match the second communication to a second corresponding library entry, determine a user response based on one of the first corresponding library entry or the second corresponding library entry, where the user response defines one of the encrypted response based on the first corresponding library entry or the unencrypted response based on the second corresponding library entry, and use the corresponding library entry to generate a visual customer display requesting the user response.

Abstract: Systems and methods are provided for facilitating biometric-enabled network interactions. One example computer-implemented method includes receiving, at a biometric identity switch (BIS) computing device, from a point-of-sale (POS) terminal of a merchant, a request for an authorization packet for a transaction between the merchant and a user and identifying a biometric provider associated with a biometric in the request. The method also includes requesting, by the BIS computing device, from the identified biometric provider, a biometric identifier for the user, based on the biometric, receiving the biometric identifier from the identified biometric provider, determining the authorization packet for the user based on the biometric identifier, and transmitting the authorization packet to the POS terminal for use by the POS terminal in compiling an authorization request for the transaction.

Abstract: A method executed by a computing infrastructure to utilize an object distributed ledger includes issuing, to a marketplace computing entity, or more digital records of non-authenticated user information for subsequent utilization in establishing of a contingency-action token (CAT) to be represented on the object distributed ledger. The method further includes identifying a user information authenticity computing entity and generating authenticity information. The method further includes interpreting the authenticity information to produce an authenticity indicator and converting the non-authenticated user information into authenticated user information when the authenticity indicator indicates an authenticated status. The method further includes generating, a smart contract based on the authenticated user information and causing inclusion of the CAT, that includes the smart contract, on the object distributed ledger.

Abstract: A system that is a network for providing instructions to a user seeking assistance. The system has an uplinking device that is used to transmit information across a network. The uplinking device transfers visual and audio information. The system provides options for the user of the uplinking device to connect with internal support members that are a part of his own organization or connect with external support members that are not a part of the user's organization. Within those choices the user can decide whether to choose from a list of favorites or have a support member assigned based on information input into the uplinking device. The system chooses the best support member based on the input information. After a session with the support member, the user must provide a rating on the session before being allowed to begin another session.

Abstract: Digitally distributing media content using a distribution backbone system, including: receiving a request for media content from a client, the request including a client profile; performing inventory and analysis of source assets by iteratively progressing through the client profile to create output; performing a capability mapping in which a series of rules that allow the source assets to be mapped to the client profile; and planning a manufacturing process, which determines work items and execution steps from capabilities mapped in response to the request for media content from the client.