Abstract: A first application may output a form comprising payment fields. An operating system (OS) may receive, from a contactless card, a uniform resource locator (URL) comprising encrypted data. A second application received from the URL by the OS may be executed. The second application may transmit the encrypted data to an authentication server, the authentication server to verify the encrypted data. The second application may receive, from a virtual account number server, a virtual account number, an expiration date associated with the virtual account number, and a CVV associated with the virtual account number. The second application may provide the virtual account number, expiration date, and CVV to an autofill service of the OS. The autofill service of the OS may autofill the virtual account number the payment fields of the first application.

Abstract: Embodiments described herein are configured to generate a smart contract deployed to a distributed ledger platform. In particular, a first party and a second party negotiate the terms of an engagement, jointly choose a mediator from those available on a social networking platform, and choose a smart contract template, and a user interface is thereafter presented to the parties for inclusion of negotiable elements. Upon agreement, a smart contract is thereafter generated and deployed to a smart contract platform such as, for example, a blockchain. Embodiments permit escrow of funds to the smart contract platform. Embodiments of the smart contract enable the parties to indicate completion or take other actions with respect to the engagement, or to initiate a dispute in which case, a chosen mediator is thereafter enabled by the smart contract to mediate the dispute through one or more smart contract actions made available to the mediator.

Abstract: A method for generating codes that correspond to accounts associated with a digital wallet is provided. The method includes obtaining a primary account identifier from a user; receiving a request from the user to generate a secondary account; generating the secondary account; generating a code representing the secondary account; associating the code with the primary account identifier; and transmitting information that indicates the association between the code and the primary account identifier to a payment processor. The method may also include the use of pooled accounts through an aggregation of secondary accounts from different users.

Abstract: Described is a secure WiFi sharing system for use between neighbors or others in like proximity. The system may include a WiFi signal with an established network connection and a user computing device seeking to access the network connection through the WiFi signal. The system allows the user computing device to rent or share the WiFi signal through the system and establish a secure connection between the user computing device and the WiFi network without the need of sharing the SSID and/or the password. Further, the system automatically changes a user computing device to another WiFi signal on the system and in proximity if the signal strength of the connected WiFi signal drops below a minimum threshold.

Abstract: An apparatus comprises at least one integrated circuit. The apparatus has a size and shape substantially similar to an ordinary Subscriber Identification Module (SIM) card. The at least one integrated circuit comprises a memory storing first software that, when executed, causes the card to communicate with second software stored on the device. The second software, when executed, causes the device to provide both a SIM and Payment Security Application Module (PSAM) functionality to a user of the device.

Abstract: A virtual payment system for paying for goods, services and content ordered over an internetwork is disclosed. The virtual payment system includes a commerce gateway. Buyers and sellers becomes registered participants by applying for virtual payment buyer and seller accounts. Once an account is established with the commerce gateway, a digital certificate is stored on the registered participant's computer. A buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies the commerce gateway, which applies the charges to the buyer's virtual payment account. The buyer can settle the charges using a prepaid account, a credit account, or by using reward points earned through use of the virtual payment account. A buyer may create sub-accounts.

Abstract: An installation operator of a newly purchased analyzing device (10) performs software activation of the analyzing device PC (1) from an installation operator terminal (3) using his or her own account. At that time, the installation operator is registered in the server (5) as the license holder of the software. After that, when the installation operator issues a transfer request with an e-mail address of a device user who is a license transfer destination from a terminal (3) to a server (5) attached, a predetermined web page is created in the server (5) and an e-mail containing a URL is sent to the device user who has already acquired their account. When the device user issues an instruction of acceptance upon browsing the web page at the user terminal (2), the license holder of the software is transferred from the installation operator to the device user in the server (5).

Abstract: Systems, methods, and apparatuses for changing credentials for an account, or a card associated with an account are provided. A method of changing user credentials by creating a queue of credentials for facilitating access to at least one account of a user, where each credential in the queue of credentials is randomly and automatically generated using information provided by the user without additional input from the user; detecting a deactivation event relating to an account of the at least one account of the user; responsive to the detected deactivation event, deactivating a current credential for the account; and activating a new credential to facilitate access to the account, where the new credential is next in the queue of credentials.

Abstract: A custom cryptographic token and smart contract that is configured to exist in one of two groups and is issued by the same bank or depository institution that also collects corresponding fiat currency deposits. The two groups are a circulation group and a non-circulation group. The non-circulation group is not associated with any given user, but rather an issuing entity. Custom cryptographic tokens residing in the circulation group are associated with a user and are traded according to smart contract protocol.

Abstract: The present invention relates to a method for issuing a currency comprising the steps of: (a) confirming the validity of a currency issuing transaction and a currency issuer, when the currency issuing transaction for issuing the currency from the currency issuer is obtained, the currency issuing transaction including (i) currency receiver information, (ii) issued amount of the currency, (iii) a public key of the currency issuer, and (iv) a signature value of the currency issuer signing the (i), (ii), and (iii) with a private key of the currency issuer; and (b) registering the currency issuing transaction or a function value thereof on a public blockchain network, and obtaining a currency issuance public transaction ID indicating location information of the currency issuing transaction or the function value thereof on the public blockchain network, when the currency issuing transaction and the currency issuer are deemed valid.

Abstract: Functional data for use in one or more digital transactions are secured by using an encapsulated security token (EST). In certain embodiments, the EST is created by encapsulating digital data including the functional data using at least two cryptographic systems of two parties. The encapsulation and subsequent de-encapsulation can utilize cryptographic systems of the parties that involve a private key for signing and decryption and a public key for encryption and signature verification. If constructed carefully over a series of rigorous events, the resulting EST can be practically impossible to counterfeit. In addition, a propagation of rights can be tracked for auditing and rights can be easily terminated or modified.

Abstract: A method and system are presented for making a secure payment transaction using a payment card associated with a consumer which has been registered with a digital wallet. A secure server is arranged, in response to a request from a merchant server in relation to the consumer, to extract from the digital wallet payment credentials for the payment card. The secure server uses the payment credentials and the identity of the merchant server to generate a token. The token is provided to the merchant. To effect a payment transaction, the merchant server returns the token to the secure server with details of the desired payment transaction, and the secure server arranges for the payment transaction to occur, and notifies the merchant server. The merchant server does not receive the payment credentials of the payment card during this process, so even if its security is compromised, the payment credentials are not at risk.

Abstract: Method and apparatus for processing a transaction are disclosed. The method includes receiving an original card number used for a request of processing a transaction; calculating a hash value corresponding to the original card number based on the original card number, and acquiring an index card number corresponding to the original card number based on the hash value corresponding to the original card number; and sending the index card number to an entity that processes the transaction to enable the entity to process the transaction based on the index card number. The present disclosure creates corresponding index card numbers for a number of original card numbers in a system respectively, which ensures a one-to-one correspondence between the index card numbers and the original card numbers in the case of high concurrency and a convenient search for an encrypted credit card number whose password is changed frequently.

Abstract: Systems and methods for the maintenance of merchant-stored transaction account data are disclosed. The system may include various merchant systems and issuer systems in communication via a blockchain network. The system provides a process for collaboration between various issuer systems and merchant systems to update and maintain merchant-stored transaction account data in response to changes, cancellations, updates, or the like in various stored transaction account.

Abstract: Methods and systems of authorizing transaction requests are disclosed. A financial institution computing system includes a network circuit exchanging information over a network, a customer database storing financial and identification code information for a plurality of customers, and a transaction circuit. The transaction circuit receives a transaction request over the network that specifies a financial account and includes a first identification code provided by an authentication device in conjunction with a separate customer computing device. The transaction circuit authenticates the transaction request by determining whether the first identification code is associated with an authorized user of the financial account specified in the transaction request, authorizes the transaction request, and transmits a confirmation to a transaction terminal over the network via the network circuit.

Abstract: An authentication factor is received, including an authentication key, an account information of a user, and a dynamic time factor. A bound authentication information is generated by using the authentication factor and a device information of a client device that requested the secure offline payment. The bound authentication information is transmitted to a service server system perform an offline payment authorization based on the bound authentication information. In response to a successful offline payment authorization, a graphical identifier is generated for completing the secure offline payment associated with the authentication factor, where the graphical identifier includes the bound authentication information and a dynamic password generated based on the dynamic time factor.

Abstract: Functional data for use in one or more digital transactions are secured by using an encapsulated security token (EST). In certain embodiments, the EST is created by encapsulating digital data including the functional data using at least two cryptographic systems of two parties. The encapsulation and subsequent de-encapsulation can utilize cryptographic systems of the parties that involve a private key for signing and decryption and a public key for encryption and signature verification. If constructed carefully over a series of rigorous events, the resulting EST can be practically impossible to counterfeit. In addition, a propagation of rights can be tracked for auditing and rights can be easily terminated or modified.

Abstract: An engagement by a user with respect to an interactive component is detected. The interactive component is embedded in a first display area of an electronic device. The first display area displays a plurality of fields of an online merchant checkout page. A second display area is launched in response to the detected engagement of the interactive component. The second display area contains information with respect to a payment provider. User input is received via the second display area. The user input contains information regarding an account that the user has with the payment provider. The user is authenticated based on the user input. User account information pertaining to the payment provider is accessed. At least a portion of the user account information is tokenized. At least one of the fields of the online merchant checkout page is automatically populated with the tokenized portion of the user account information.

Abstract: According to a first aspect, there is provided a method for enabling a communication link over which transaction data is transmitted between a mobile terminal and a receiving terminal, the method comprising: storing in a memory at the mobile terminal, the receiving terminal and a server administering the communication link, a generated unique identifier, the unique identifier used to facilitate the enablement of the communication link; creating a storage slot at the server administering the communication link, the storage slot being assigned the unique identifier and the storage slot used to store the transaction data; and enabling the communication link in response to the creation of the storage slot, wherein the communication link is utilised by both the mobile terminal and the receiving terminal by referencing the unique identifier to the server.

Abstract: A payment button on a device, such as a mobile phone, allows the user to remain on the window or page from which an item was selected for purchase. When the user is ready to purchases, the button is selected, and the user simply enters an identifier, such as a password or PIN, and the transaction is processed. The button remains on the same screen and changes during different stages of the payment process.