Abstract: Aspects of the disclosure provides a secure key management and data transmission system that includes a transmission system, a data consumer network device, a user network device, and a data transmission network. The transmission management system is configured to receive user-specific data from the user network device via the data transmission network and receive a request for a service corresponding to processing the user-specific data according to a proprietary process provided by the data consumer network device. The transmission management system is also configured to generate service response data based on processing the user-specific data according to the proprietary process in response to the received request, encrypt the service response data to become single-encrypted service response data, transmit the single-encrypted service response data to the data consumer network device, and receive and store double-encrypted service response data from the user network device.

Abstract: A system including: a processor; and a memory having stored thereon instructions that, when executed by the processor, controls the processor to: receive a receipt request for a transaction from a remote device, the receipt request comprising a merchant identifier, a transaction amount, and a transaction date and time; query the receipt database for a receipt record corresponding to the transaction based on the merchant identifier, the transaction amount, and the transaction date and time, the query being conducted without the benefit of sensitive information; in response to identifying a receipt record corresponding to the transaction, retrieve the receipt record corresponding to the transaction from the receipt database; and output for transmission the receipt record to the remote device.

Abstract: Described herein is a platform and method for determining a confidence level associated with a transaction that utilizes dynamic data. In some embodiments, the confidence level is determined based on location data received in relation to the transaction. For example, some embodiments are directed to storing first location information collected from a mobile device provided in a request for the dynamic data, receiving second location information related to a transaction conducted using the dynamic data, and comparing the two with respect to the amount of time that has elapsed between collection of each to determine a confidence level associated with a likelihood that the transaction is authentic.

Abstract: Systems and methods are disclosed for blockchain-based payment transactions, alerts, and dispute settlement, using a blockchain interface server.

Abstract: Workload distribution is automatically optimized. Cost penalty amounts imposed on executing a database operation transaction by current and alternative processing pathway options are determined as a function of execution response times that exceed a service level agreement time limit. Respective computer processing hardware costs are determined for executing the database operation transaction via each of the current and alternative processing pathway options. Respective licensing costs are determined for migrating execution of the database operation transaction to each of the alternative processing pathway options. Accordingly, the current or alternative middleware option that has a lowest total combined cost of licensing costs, computer processing hardware costs and service level agreement penalty costs is chosen as the path for execution of the database operation transaction.

Abstract: A financial institution and a payment initiator may exchange public keys to enable the secure exchange of data. A business wishing to collect payment can provide its account information to the payment initiator. A customer wishing to pay can instruct the payment initiator to encrypt the business's account information along with details for a particular invoice and transmit the information to the financial institution. The financial institution can decrypt the information and initiate a transfer of money from the customer to the business. The financial institution may present the information about the transaction to the customer for modification or confirmation before initiating the transfer. The information may be sent from the payment initiator to the financial institution via the customer. After the payment has been initiated by the financial institution, a confirmation may be sent to the customer, the payment initiator, the business, or any suitable combination thereof.

Abstract: Embodiments of the present disclosure relate to methods, devices, a computer readable storage medium and a computer program product for processing or managing a blockchain transaction. In a method for processing a blockchain transaction, a blockchain node of a blockchain for processing the blockchain transaction receives a transaction request, the transaction request indicating at least a initiator of the transaction, transaction content and a transaction recipient of the transaction. The blockchain node computes, based on the transaction content, a transaction fee for processing the transaction. The blockchain node determines whether the initiator of the transaction is a sponsored user of the transaction recipient, and determines a payment account from which the transaction fee is deducted in response to determining that the initiator of the transaction is a sponsored user of the transaction recipient.

Abstract: Systems and methods for enabling reliable transactions of data communications are provided. A processing device according to one embodiment includes a management interface and a security module. The management interface is configured to initialize a transaction having a plurality of transaction elements. The transaction is a unit of work including a set of one or more logically related data elements or functions for accomplishing a single task. The management interface is further configured to determine at least one expected value for at least one transaction element and to compare at least one actual value with the at least one expected value to obtain a comparison element. The security module is configured to execute security processes based on the comparison element.

Abstract: An ATM system includes a back-end server, an ATM central processing unit (ATM CPU) that receives information relating to the ATM system and a mobile computer. The mobile computer provides a CPU (MC CPU) and a keypad. The mobile computer may also provide a touch screen configured to display an initial ATM display. The ATM system also includes an interface system for interfacing between the ATM CPU and MC CPU. The back-end server formats and transmits to the ATM an API call. The API call requests a location of the user, ATM device information, and identification information of the user. The mobile computer is configured to respond to the API call by providing the location, the ATM device information, and the identification information of the user to the back-end server.

Abstract: Techniques are disclosed relating to secure data storage. In various embodiments, a mobile device includes a wireless interface, a secure element, and a secure circuit. The secure element is configured to store confidential information associated with a plurality of users and to receive a request to communicate the confidential information associated with a particular one of the plurality of users. The secure element is further configured to communicate, via the wireless interface, the confidential information associated with the particular user in response to an authentication of the particular user. The secure circuit is configured to perform the authentication of the particular user. In some embodiments, the mobile device also includes a biosensor configured to collect biometric information from a user of the mobile device. In such an embodiment, the secure circuit is configured to store biometric information collected from the plurality of users by the biosensor.

Abstract: Systems and methods for expediting math-based currency (“MBC”) transactions are described. A financial institution facilitates the expedited MBC transactions. The expedited MBC transactions are achieved by guaranteeing merchants that a pending MBC transaction between the merchant and a customer will be verified by the MBC verification nodes. A provided guarantee can be collected on by the merchant in the event that a guaranteed MBC transaction is not verified by the MBC verification nodes.

Abstract: A payment method is provided. The method is used in a payment system and includes: receiving, by a monitoring device, a contract corresponding to a transaction transmitted by a smart contract device and receiving status information of a plurality of unmanned control devices, wherein the transaction is created by a user; transmitting, by the monitoring device, the contract and the status information to a residual service contract device; and receiving, by a first unmanned control device of the unmanned control devices, service information generated by the residual service contract device according to the contract and the status information and providing services to the user according to the service information.

Abstract: A processor receives a signal representing data including event information detailing an event involving an entity having a registered ownership interest in a product and loads a portion of a distributed electronic ledger for tracking ownership information associated with the product. The distributed electronic ledger includes, within a block thereof and associated with the product, an event trigger list including entity data associated with each entity having a registered ownership interest in the product and a rules engine including rules associated with event triggers in the event trigger list. The processor determines whether a triggering event corresponding to the event is stored in the event trigger list and, when the event has a corresponding triggering event, determines the associated rule within the rules engine. The processor updates and saves the distributed electronic ledger by performing an action specified by the determined associated rule.

Abstract: Provided herein is a computing system for detecting compromised merchants in a payment card network.

Abstract: A device receives, from a transaction device, transaction data associated with a transaction of a user logged into the transaction device, and receives information indicating a selection of an abort transaction mechanism to cause the transaction to be canceled concurrently with the user being logged out of the transaction device. The device provides, to a user device associated with the user, a notification indicating that the transaction was canceled and that the user was logged out, and determines whether a response, indicating that the notification was received by the user and indicating a reason for utilizing the abort transaction mechanism, is received from the user device within a threshold period of time. The device provides an alert message to an emergency point of contact for the user when it is determined that the response is not received from the user device within the threshold period of time.

Abstract: Systems and methods for providing high performance access to NFT metadata including ownership information. An example method requests NFT metadata from a server that has cached NFT metadata extracted from a mirror NFT blockchain. Periodically, new blocks that have been added to an NFT blockchain are added to the mirror blockchain and processed to update a cache with metadata modifications. Additionally, the method includes requests for NFT ownership information. An ownership transaction table is generated and updated from the mirror blockchain. Ownership request can include requests for all the NFTs owned by a crypto-wallet address.

Abstract: Exemplified systems and methods facilitate secured mobile payment transactions using credit cards, debit cards, bank account without having to transmit credit card, debit card, or bank account numbers over a wireless network. Rather, the exemplified systems and methods facilitate a highly secure and intuitive payment transaction and/or ATM cash withdrawal or transaction via two independent processes tied to a cloud or enterprise network—one performed between a customer computing device and a cloud network or enterprise network and another performed between a merchant computing device (including an ATM system) and the cloud or enterprise network. The validation token comprising a short code between 3 and 6 tokens in length is beneficially realized.

Abstract: Described herein are a system and techniques for updating balance information for a disbursement module on a portable device using a transaction module on that same portable device. In some embodiments, each of the transaction module and the disbursement module may be associated with a different transaction processing system. A client device may be used to interact with the transaction module of the portable device via a communication element. In some embodiments, the client device may be configured to receive an account identifier from the transaction module, generate and transmit an authorization request message to an authorization entity, and upon receiving authorization from the authorization entity, cause the transaction module on the portable device to update a balance associated with the disbursement module.

Abstract: A computer-implemented method of validating a blockchain transaction is disclosed. The method comprises requesting at least one UTXO referenced by at least one respective input of the transaction from a member node of at least one shard comprising at least one UTXO, obtaining validity data of at least one UTXO from at least one node, and performing a validation check on at least one input using the validity data.

Abstract: A banking system of a financial institution maintains a plurality of customer accounts in math-based currency (“MBC”). The system includes a network interface configured to facilitate data transmission over a network. The system includes a ledger including information relating to the plurality of customer accounts associated with a plurality of customers. The system includes a processor configured to update information contained in the ledger relating to the plurality of customer accounts based on the occurrences of MBC transactions involving the plurality of customers.