Abstract: Disclosed is a method and system for managing a service associated with a service provider. The method includes receiving from at least one classification provider, a request for registration as classifying authority with a platform, wherein the platform is associated with a digital store, approving the received request for registration of the at least one classification provider, classifying the service and/or the service provider by the registered at least one classification provider to generate classification information pertaining to the service and/or the service provider, and hosting the classified service by the platform. The system includes a computing device associated with a platform provider, at least one device associated with at least one classification provider registered as a classification authority with the platform to classify the service and/or the service provider, and a service provider device associated with the service provider of the classified service.

Abstract: The present disclosure involves a method including: receiving a request to access an object from a user; prompting the user to go to a target location; receiving feedback from the user with respect to the user's location; determining, electronically by a processor, whether the user has reached the target location; granting access of the object to the user in response to the determining. The present disclosure involves a system including: a storage storing an electronic item; an electronic communications interface that: detects a request to access the item from an entity and prompts the entity to go to a target location in response to the request; a computer processor that: analyzes feedback from the entity with respect to the entity's location, determines whether the entity's location is sufficiently close to the target location, and grants or denies access of the item to the entity based on the determination.

Abstract: A blockchain-based transaction processing method may comprise: in response to a designated account being logged in through an application client, generating, according to input to-be-operated account information and configured operation content, an operation instruction comprising the to-be-operated account information and the operation content; and sending the operation instruction to a node in a blockchain network, causing the node in the blockchain network to invoke a smart contract corresponding to the designated account upon receiving the operation instruction, and to execute an operation according to the operation content on another account corresponding to the to-be-operated account information.

Abstract: In the disclosed transaction processing system, a system and method are described that increase the ease of access and use of different currency networks by consumers using customizable transaction devices. The customizable transaction devices may be re-programmed prior to or during a currency transaction in accordance with the consensus protocol of the currency network associated with the currency transaction. The currency network further includes one or more host devices, each of which include an interface configured to communicate with a transaction device for the purposes of re-programming a Field Programmable Gate Array (FPGA) of the transaction device according to one or more currency network consensus protocols. Optimizing the performance of transaction devices for proof-of-work or other consensus protocol processing decreases the latency associated with validating currency network transactions, thereby increasing the suitability of cryptocurrency for retail transactions.

Abstract: A system and method for secure generation and distribution of digital encryption keys is disclosed. The system may also be used to protect and distribute other types of secure information, including digital, audio, video, or analog data, or physical objects. The system may include a tamper-respondent secure token device, which may be configured to destroy or disable access to the secure information contained therein in response to attempts to physically or electronically breach the device. Outputs may be provided in a secure manner through various interfaces without using electricity (wires) or electromagnetic radiation. Inputs may be provided in a secure manner, including through the use of a gesture-based input interface. Destruction or disablement of the device and/or its secure contents may be provided upon detection of tamper attempts or upon input of a self-destruct command. Proof of the destruction or disablement of the device or its contents may be provided.

Abstract: The present invention is a method and apparatus for a first user to create intellectual property, in the form of digital media, then sell it to a second user. Users can collaborate to create intellectual property in an efficient manner by following a preferred procedure. The intellectual property can be distributed in an encrypted form which allows the intellectual property owner to specify the conditions of use that must be met for a specified intellectual property user to use the intellectual property. The user can authenticate the intellectual property in a distributed secure platform before final payment. The intellectual property owner can tag each copy of the intellectual property to trace the source of unauthorized copies.

Abstract: A device may receive a request to access a bundling service that manages access to an over-the-top service provided by an over-the-top service provider. The device may receive information that identifies a third party service provider and a user credential associated with the third party service provider. The third party service provider may be different from the over-the-top service provider, and the third party service provider may not provide the over-the-top service. The device may provide an authentication request, including the user credential, to a third party device associated with the third party service provider. The device may receive an authentication response from the third party device. The authentication response may indicate whether the third party device successfully authenticated the user credential. The device may selectively provide access to the bundling service based on receiving the authentication response.

Abstract: Each finger of a user can be uniquely associated with a funding source for a user account with a payment provider, such that the user can select or change a funding source by simply having the desired finger print read, such as on the display of a smart phone.

Abstract: Systems, methods, and program products for providing secure authentication for electronic messages are disclosed. A method may comprise generating an asymmetric private key based at least in part upon an invariant biometric feature vector derived from an input biometric reading. The private key may be further based at least in part upon a user password. The resulting private key may not be stored but rather may be generated when required to authenticate an electronic message, at which time it may be used to provide a digital signature for the electronic message. The private key may be deleted after use. The private key may be regenerated by inputting both a new instance of the biometric reading as well as a new instance of the password.

Abstract: A method is provided for cryptographically authenticating a cardholder in an online transaction by sending an authentication request to the issuing bank that is intercepted by a service worker and handled within the cardholder's computing device. The service worker signs a description of the transaction with a private key or forwards the request to a bank app that authenticates the cardholder biometrically in addition to signing the transaction.

Abstract: A method for authorizing and processing payment transactions over a network, the method comprising the steps of initiating, responsive to a user payment request to process a payment for a purchase on a merchants web site, a user interface, establishing a secure communication channel between the interface and an account server, the account server having stored a profile of an registered user, submitting, by the user interface, purchase information of the purchase order to the account server, requesting, by the account server through the user interface, authentication of the user, linking, at the account server, purchase information to the user profile, requesting, through the user interface, purchase confirmation by the user, requesting, by the user interface, a checkout reference for the confirmed purchase order from the account server, submitting, at least part of the purchase information and the checkout reference to a payment service provider to process the transaction.

Abstract: A method for conveying a data message using a public ledger includes: generating, by a generation module of a processing server, a data message, wherein the data message comprises one or more data values; electronically transmitting, by a transmitting device of the processing server, a data signal superimposed with the generated data message to a first computing system; receiving, by a receiving device of the processing server, a data signal superimposed with an encrypted message from the first computing system, wherein the encrypted message is generated via application of one or more encryption algorithms to the generated data message using at least one encryption key; appending, by the generation module of the processing server, an identification value to the encrypted message; and submitting, by the transmitting device of the processing server, the appended encrypted message to a public ledger associated with a second computing system.

Abstract: Methods and systems for conducting a secure transaction over a network using one or more gateway servers. The methods include receiving a request from a consumer, sending the request to a merchant, and receiving, from the merchant, a payment order associated with the request. The payment order is received via a merchant programmable user interface. The methods also include confirming the payment order to transform the payment order to a confirmed payment order, sending the confirmed payment order to a user, and receiving, from the user, a payment authorization associated with the confirmed payment order, and the payment authorization being received via a consumer programmable user interface. The payment authorization from the user includes a secure, encrypted, Internet Protocol (IP) message using encryption hashed with public and private key management. The methods also include performing a transaction in accordance with the payment authorization.

Abstract: Systems, methods, and devices are disclosed which allow a mobile device user to complete financial transactions even when the mobile device is not connected to a wireless network. The systems, methods, and devices of the present disclosure may utilize a combination of an encrypted lockbox containing out of network payment codes on the mobile device and a matching set of out of network payment codes stored on a server of a payment authority.

Abstract: Systems and methods are provided for receiving an encrypted payment payload from a digital wallet host, transmitting a low value token to a merchant, receiving an authorization request, requesting authorization for the transaction from an issuer financial institution using financial data from the encrypted payment payload, receiving an authorization decision from the issuer financial institution, and transmitting an authorization response to the merchant.

Abstract: In an electronic bidding system and method, it is unnecessary to disclose to bidders a list of public keys matched to bid prices, and in which price secrecy may be proved. In a function of encryption of a bidding device 300, a public key is generated using a bid price and an IBE public key, based on an ID-Based Encryption (IBE) system having a bid value as an ID. IBE public key is obtained on combining a plurality of partial public keys matched to partial secret keys generated by a plural number of partial bid opening devices based on a combination condition enabling group decryption. A preset message for bidding is then encrypted. In a function of decryption of a bid opening device 400, a number of partial bid opening devices, which is in keeping with a satisfying number of the group decryption, perform calculations for decryption for winning bid value candidates, beginning from such candidate, the allowable bid value closest to the bid closing condition.

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: The present invention provides systems for and methods providing a user in a commercial establishment with personalized information, which can include a personalized shopping list, targeted advertisements, health information, nutritional information, promotional offers, offers on sale items, offers on discounted items, manufacturer's coupons, storewide coupons, information on user specific favorite items, and information on user specific staple items. Also disclosed is a device for and method of providing the precise location of a user in a commercial facility comprising a signal receiver and position calculating system that uses one of biangulation and triangulation techniques.

Abstract: There is presented a system and method for coordinating asset entitlements, the system comprising a server including a processor and a memory and accessible by multiple domains over a network, and an asset entitlement database searchable by the server, wherein an entry of the asset entitlement database links a domain transcendent user identification (ID) of a user and at least one asset entitlement acquired by the user from any of the domains. In one embodiment, the server is configured to receive an asset entitlement inquiry from one of the domains, search the asset entitlement database for asset entitlements acquired by the user from any of the domains, generate a search result identifying the asset entitlements acquired by the user from the domains, and send data corresponding to the search result to the domain from which the asset entitlement inquiry was received.

Abstract: A secure payment agent assist (“SPAA”) feature provides assistance to a contact center agent during a payment transaction, where payment information provided by the remote party is maintained in secure manner, so that the agent is not exposed to the payment information. The agent is assisted by being provided with a pop-up window that allows the agent to invoke a “recollect” and “cancel” function during the transaction. The pop-up window also provide information to the agent making the agent aware of the progress of the transaction as the remote party interacts with an interactive voice response (“IVR”) unit. In other embodiments, a configuration parameter allows the prompts for the payment information to be provided by the agent or the IVR.