Abstract: Systems and techniques are provided for a resource transfer system. An instruction to transfer a first quantity of a resource from a first resource pool to a second resource pool may be received. A hold may be placed on a second quantity of the resource in the first resource pool. The held second quantity of the first resource may not be transferred from the first resource pool until the hold is released. Responsive to receiving a message that fulfills a condition on the hold and an instruction to execute the transfer, the hold may be released. A register that is in the first resource pool and is associated with the resource may decremented by the first quantity, and a register that is in the second resource pool and is associated with the resource may be incremented by the first quantity.

Abstract: Systems and techniques are provided for a resource transfer system. An instruction to transfer a first quantity of a resource from a first resource pool to a second resource pool may be received. A hold may be placed on a second quantity of the resource in the first resource pool. The held second quantity of the first resource may not be transferred from the first resource pool until the hold is released. Responsive to receiving a message that fulfills a condition on the hold and an instruction to execute the transfer, the hold may be released. A register that is in the first resource pool and is associated with the resource may decremented by the first quantity, and a register that is in the second resource pool and is associated with the resource may be incremented by the first quantity.

Abstract: The invention provides a system and method for virtual world biometric analytics through the use of a multimodal biometric analytic wallet. The system includes a virtual biometric wallet comprising a pervasive repository for storing biometric data, the pervasive repository including at least one of a biometric layer, a genomic layer, a health layer, a privacy layer, and a processing layer. The virtual biometric wallet further comprises an analytic environment configured to combine the biometric data from at least one of the biometric layer, the genomic layer, the health layer, the privacy layer, and the processing layer. The virtual biometric wallet also comprises a biometric analytic interface configured to communicate the biometric data to one or more devices within a virtual universe.

Abstract: A code system for preventing fraud in trading and at the same time a safe payment method for business and consumer. The code system of the present invention ensures security and control for the contracting parties regarding the previously defined attributes of the goods and the payment including all decisional steps of the transactions as well as of the reverse transactions in case of complaint. The contracting parties act complementary, money and goods or money and services are never at the same time under control of one contracting party.

Abstract: Systems and techniques are provided for a resource transfer system. An instruction to transfer a first quantity of a resource from a first resource pool to a second resource pool may be received. A hold may be placed on a second quantity of the resource in the first resource pool. The held second quantity of the first resource may not be transferred from the first resource pool until the hold is released. Responsive to receiving a message that fulfills a condition on the hold and an instruction to execute the transfer, the hold may be released. A register that is in the first resource pool and is associated with the resource may decremented by the first quantity, and a register that is in the second resource pool and is associated with the resource may be incremented by the first quantity.

Abstract: A method for identifying a merchant associated with ransomware includes: storing, in a profile database, a plurality of merchant profiles, wherein each merchant profile is related to a merchant and includes at least a merchant identifier; receiving, by a receiving device, an authorization request for a payment transaction, wherein the authorization request includes a specific merchant identifier associated with a merchant involved in the payment transaction, and the payment transaction is initiated by a computing device infected with one or more ransomware application programs; identifying, by a processing device, a specific merchant profile in the profile database where the included merchant identifier corresponds to the specific merchant identifier included in the received authorization request; and updating, by the processing device, the specific merchant profile in the profile database to include an indication that the related merchant is associated with the distribution of the one or more ransomware appl

Abstract: The present invention generally relates to the use of a stable value digital asset to pay dividends for securities and other financial instruments tied to a blockchain.

Abstract: A payment-enabled mobile device is placed in communication with a POS (point of sale) terminal to facilitate a purchase transaction. A user selects a payment account in the payment-enabled mobile device. Payment credentials are transmitted from the payment-enabled mobile device to the POS terminal. The payment credentials include a PAN-length identifier that identifies an issuer of the selected payment account.

Abstract: Techniques for providing a risk control method and device for resolving the issue of low application software security are described. A transaction request is received from a first user, and the transaction request comprises transaction data, data identifying the first user, and data identifying a second user. An attribute of the first user is determined from the data identifying the first user. An attribute of the second user is identified using the data identifying the second user. In response to the attribute of the first user being determined and the attribute of the second user being identified, an attribute similarity between the first user and the second user is determined. The attribute similarity is compared to a threshold. In response to determining the attribute similarity is less than the threshold, a notification is transmitted to the first user requesting a confirmation of the identified attribute of the second user.

Abstract: A service running on a server includes a method running on a server, for example as a cloud server. The method begins with receiving from a user using a zero-knowledge protocol, each of a unique token associated with the user, an identifier of a statement to be rated, a vote related to the statement; and a pledged quantity tied to a reputation of the user and the vote. The vote either supports or opposes a veracity of the statement. Next, a confirmation is made to ensure that the unique token is associated with the user. A difference is determined between the pledge quantity and a numerical rating of the reputation of the user. In response to confirming the unique token is associated with the user and the difference is non-negative, updating a rating of the statement using zero-knowledge verifiable computing.

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: Optimizations are provided for completing a transaction event using authentication information. In particular, a presence of a transaction processing device is initially detected. Then, transaction information is received from the transaction processing device. The transaction information corresponds to a current transaction event. After receiving the information, a communication link is established with an on-body device. This device includes authentication information that is necessary to complete the current transaction event. The authentication information is then received from the on-body device. This information has a time-limited use availability. Finally, the received authentication information is used to complete the current transaction event.

Abstract: A virtual universe system has a system and method for identifying spam avatars based upon the avatar's behavior characteristics through the use of Turing tests. The system may provide a Turing test unit for performing Turing tests and an analysis unit that compares the behavior characteristics of new or newly changed avatars against the behavior characteristics of known spam avatars to determine if the avatar has known spam avatar characteristics. It may further have a scoring system to calculate a spam score based upon similarities of the comparison and identifying the avatar as a spam avatar based upon the calculated spam score. It may further compare the calculated spam score with a spam score threshold wherein the avatar is identified as a spam avatar if the calculated spam score is equal to or greater than the calculated spam score.

Abstract: A system and method in a virtual universe (VU) system for identifying spam avatars based upon the avatars' multimedia characteristics may have a table that stores multimedia characteristics of known spam avatars. It further may have an analysis unit that compares the multimedia characteristics of avatars against the multimedia characteristics of known spam avatars to determine if the avatar has known spam avatar characteristics. It may further have a scoring system to calculate a spam score based upon the similarities of the comparison and identifying the avatar as a spam avatar based upon the calculated spam score. It may further compare the calculated spam score with a spam score threshold wherein the avatar is identified as a spam avatar if the calculated spam score is equal to or greater than the calculated spam score. Multimedia characteristics include graphics, audio, movement, interactivity, voice, etc.

Abstract: Techniques for providing a risk control method and device for resolving the issue of low application software security are described. A transaction request is received from a first user, and the transaction request comprises transaction data, data identifying the first user, and data identifying a second user. An attribute of the first user is determined from the data identifying the first user. An attribute of the second user is identified using the data identifying the second user. In response to the attribute of the first user being determined and the attribute of the second user being identified, an attribute similarity between the first user and the second user is determined. The attribute similarity is compared to a threshold. In response to determining the attribute similarity is less than the threshold, a notification is transmitted to the first user requesting a confirmation of the identified attribute of the second user.

Abstract: Access to documents by parties can be controlled as follows. First, access can be controlled in accordance with access counters associated with the parties, where the documents have one or more versions. Second, access can be controlled in accordance with access levels associated with the parties. The access level of each party is one of a first access level, a second access level, a third access level, or a fourth access level. The first, second, third, and fourth access levels are ordered from the first access level to the fourth access level such that the first access level provides a greatest degree of access to the documents and the fourth access level provides a least degree of access to the documents. Third, access can be controlled in accordance with placement of organizations within a hierarchy of organizations, where the parties are organized over the organizations.

Abstract: A system and method for a secure remote payments process and for generation of one-time only remote payment cards is presented. Use of the one-time payment (OTP) cards can use multi-factor authentication where one factor is a biometric technique. A process can include generating an OTP card number based on a first encryption algorithm, an expiry date, and a security code based on a second encryption algorithm. A purchase amount, and the OTP card information are decrypted by an issuer to approve payment for a remote payment, after which the OTP card is no longer valid.

Abstract: A method of authenticating a payment terminal to a computer server involves the terminal generating a terminal activation request from a private key uniquely associated with the terminal, and from a credential uniquely associated with the terminal. The activation request includes a public key that the payment terminal generates from the private key. The private key is both provided to and uniquely associated with the terminal by an entity other than the terminal prior to the terminal generating the activation request. The terminal transmits the activation request to a certificate server, and receives a digital certificate in response. The terminal initiates a transaction with a network client by authenticating to the computer server using the digital certificate. The computer server is in communication with the network client via a communications network. The terminal effects payment for the transaction via an acquirer network distinct from the communications network.

Abstract: Disclosed is secure decryption and business rule validation of encrypted confidential data within a hardware security module (HSM). The validation may include the use of a Bloom filter stored and executing within the HSM. The return order of encrypted data within the HSM as well as requests for external data relating to validation may be randomized to further harden against correlation attacks.

Abstract: Essentially coincident with the capture of an image by the imaging device, biometric information indicating the identity of the operator of the device is obtained from at least one biometric sensor. The biometric information and captured image are then stored in a manner reliably associating each with the other. At a later time, biometric information is obtained from a supposed operator of the imaging device. By comparing this candidate biometric information with the stored biometric information, the supposed operator may be authenticated as the operator of the imaging device at the time of capture of the stored image.