Abstract: A terminal configuration server is configured to save a manufacturer identifier in a terminal database, in association with a merchant identifier. The manufacturer identifier identifies a terminal. The terminal configuration server is configured to transmit the merchant identifier to a communications device via a communications network, and to receive from the communications device via the communications network, a terminal identifier request that includes the manufacturer identifier and the merchant identifier. The terminal configuration server is configured to verify that the manufacturer identifier, included in the terminal identifier request, is associated with the merchant identifier in the terminal database, and to download a payload to the terminal via the communications device after verifying the manufacturer identifier.

Abstract: In a virtual environment implemented using multiple hosts, a first host maintains records identifying virtual objects and entities which control the virtual objects. When a second host receives a request of a first entity acquiring the control of a virtual object from a second entity, the second host instructs the first host to: update a first record to remove the virtual object from a view simulation of the virtual world servicing the second entity; and adding a second record associating the first entity with the virtual object but having an indicator that prevents the rendering of the virtual object for the first entity. At the time for the completion of the control transfer to the first entity, the second host instructs the first host to update the second record to remove the indicator and thus allow the virtual object to be rendered in the view simulation servicing the first entity.

Abstract: Systems and methods for authenticating transactions from a mobile device are described, including authenticating a user and a merchant location. A remote server receives an authentication request from a point-of-sale device, and requests that a user's mobile device use an associated camera to take a picture of the user at the merchant location. The remote server then processes the picture to determine the authenticity of the user and the location, and provides an authentication approval or denial to the point-of-sale device, instructing the point-of-sale device to execute, or not to execute, the transaction.

Abstract: Image analysis is performed on a user at a transaction terminal. Based on behaviors, expressions, and activities of the user, fraud or potential fraud is flagged. When fraud is flagged, the transaction terminal stops processing an active transaction on behalf of the user and alerts are sent. When potential fraud is flagged, images/video associated with the active transaction are sent for review and the active transaction may be suspended or permitted to proceed at the transaction terminal. In an embodiment, a same user conducting multiple transactions with different accounts at a same transaction terminal or multiple different transaction terminals within a configured period of time is automatically identified as fraud based on a fraud rule.

Abstract: Methods and systems for originating and monitoring energy transactions using distributed ledger technology are provided. In one embodiment, a method is provided that includes receiving a first request to originate a contract associated with an energy transaction. The first request may include a first draft of the contract. A first transaction may be generated based on the first draft of the contract and may be added to a distributed ledger. Transaction information regarding the energy transaction may be received and a second draft of the contract may be generated based on the transaction information. A second transaction may be generated based on the second draft of the contract and may be added to the distributed ledger.

Abstract: A blockchain value transfer method including receiving a transfer request, the transfer, executing a first smart contract function to perform data analytics on the transfer request and a second smart contract function to implement a security response responsive to an inconsistency in the transfer request, and recording a result of the second smart contract function to at least one of a SQL database, a NoSQL database, and an analytics service. The inconsistency of the transfer request is a deviation from a learned transfer pattern identified from the prior smart contracts for prior transfer requests.

Abstract: A method for cryptocurrency exchange between multiple parties using threshold signature cryptocurrency wallets includes steps for creating threshold signature cryptocurrency wallets shared between a set of parties and a mediator for trading cryptocurrencies. The method may include steps for dividing a threshold private key, corresponding to each of the threshold signature cryptocurrency wallets, into n shares based on (t, n)-threshold signature scheme and sharing masked shares, corresponding to the threshold private key for each of the threshold signature cryptocurrency wallets, by the set of parties and the mediator. The method may include steps for validating correctness of all masked shares of the threshold private keys by the set of parties and the mediator. The method may include steps for signing a withdrawal cryptocurrency transaction jointly by the set of parties or signing a withdraw deposit transaction jointly by the at least one party and the mediator.

Abstract: The present disclosure relates to efficient programming and configuring of electronic payment process. An example method includes receiving programming language-based descriptions each describing a distinct functional operation usable to implement the electronic payment process, compiling each programming language-based description into a distinct computer-executable code segment that corresponds to a state of a finite state machine. The method also includes determining transition relationships between states of the finite state machine based on the logic flow of steps of the electronic payment process, generating a state transition table for storing in a cache of a computer-based electronic payment system implementing the finite state machine, and configuring the finite state machine by retrieving the state transition table from the cache at runtime.

Abstract: Using multimedia messaging service (“MMS”) messaging to facilitate a transaction for purchasing electronic content on a wireless device is disclosed. Initially, an indication that a user of the wireless device has selected to purchase the electronic content from among a plurality of electronic content available for purchase is received from a wireless device over a wireless network. An MMS message including payment information for the purchase of the selected electronic content is then received from the wireless device. The purchase of the selected electronic content is authorized based on the payment information included in the MMS message and the wireless device is then enabled to download the selected electronic content in response to the authorization of the purchase of the selected electronic content.

Abstract: A terminal configuration apparatus is configured to receive a merchant identifier and a manufacturer identifier from a communications device, and to locate a first terminal cryptographic key that is associated with the manufacturer identifier in a terminal database. The terminal configuration apparatus is configured to confirm, using the located first terminal cryptographic key, that the merchant identifier was signed with a second terminal cryptographic key, and to download a payload to a terminal via the communications device. The located first terminal cryptographic key and the second terminal cryptographic key are an asymmetric cryptographic key pair.

Abstract: System for secure authentication of a user's identity in an electronic system for banking transactions, said system comprising at least one first user apparatus subject to said secure authentication, and one or more further apparatuses bidirectionally communicating with each other and with said first apparatus, characterized in that: said first apparatus (?) and a second apparatus (?), belonging to said one or more further apparatuses, comprise an equal system generating a random number (M1) composed of any number of digits, said random number (M1) being divided into a first part and, respectively, a second part (SGN, CSGN), which are complementary and subsets of said random number (M1); said first apparatus (?) comprises means for generating, through said generating system, said first part (SGN) and sending it to said second apparatus (?); said second apparatus (?) comprises means for generating, through said generating system, said second part (CSGN) via generation of one or more of said random number (M

Abstract: A method for performing secure, verifiable, offline blockchain transactions through a trusted execution environment and time-limited credentials includes: storing, in a trusted execution environment of a computing device, a cryptographic key pair comprised of a public key and a private key; transmitting, by a transmitter of the computing device, the public key to a gateway device in a blockchain network; receiving, by a receiver of the computing device, a time-limited credential from the gateway device; generating, by a processing device of the computing device, a blockchain data value, wherein the blockchain data value includes at least the time-limited credential, a transaction amount, and a destination address; digitally signing, by the trusted execution environment of the computing device, the generated blockchain data value using the private key; and transmitting, by the transmitter of the computing device, the signed blockchain data value to an external device.

Abstract: A portable information handling system having an NFC device obtains identifier information from information handling systems through NFC and applies the identifier information to obtain license keys for applications stored on the information handling system from a license server through a network interface. NFC transfer of license keys in a secure environment, such as to server information handling system management controller in a data center, provides the convenience of public license servers without the security risk of an open public network access to the management controller.

Abstract: A mobile device and a method are provided. A mobile device includes a display, a sensor configured to sense a user operation with respect to the display, a fingerprint sensor configured to sense a fingerprint of the user that input the user operation, a storage configured to store preregistered fingerprint information, and a controller configured to perform an operation corresponding to the user operation when the fingerprint sensed by the fingerprint sensor matches the stored fingerprint information and perform a fingerprint registration operation when the fingerprint sensed by the fingerprint sensor does not match the stored fingerprint information.

Abstract: Systems and methods are disclosed for establishing a multi-dimensional fraud detection system and payment analysis. One method includes: receiving transaction history of a user, the transaction history including a first payment vehicle and a second payment vehicle; determining, of the received transaction history, one or more instances of switching from one the first payment vehicle to the second payment vehicle; and determining a user-specific abandonment score for the user, based on the determined instances of switching from the first payment vehicle to the second payment vehicle.

Abstract: A method of participation verification includes generating sets of cryptocurrency coins (coin sets). The coin sets have cryptocurrency coins and correlate to events for which participation is verified. The method includes generating user keys including unique public keys for each user and user secret keys. The method includes assigning a public key to a user, communicating the assigned public key to a user device and enabling download of a verification application. The method includes receiving a first coin request that includes identification of a first coin set, the assigned public key, and a data set. The method includes verifying user participation in an event based on the data set. The method includes executing a cryptocurrency transaction with the user device. The cryptocurrency transaction including public validation of a transfer of a cryptocurrency coin from the identified coin set to the user device via an append-only ledger.

Abstract: Techniques enable creation of a preview license for digital content. In some instances, the preview license indicates that it allows a content-consuming device to consume less than all of the content. This preview license may create a list specifying multiple portions of the digital content that the content-consuming device may consume. These techniques may also present to a device user an offer to purchase rights to consume all of the digital content after consumption of the preview-licensed portion(s). In other instances, a content server may embed the preview license into a content package that contains the digital content, allowing the server to distribute the package to multiple devices. In still other instances, the preview license may be bound to a domain rather than to individual devices. This allows member devices to share the digital content and the preview license, such that each member device may enjoy the preview experience.

Abstract: A method and system of recording multiple transactions between a multiple of users on a blockchain (9), including a first transaction (22) from a first user (5) to a second user (7) and a second transaction (24) from the second user (7) to the first user (5). The blockchain may be, for example, the Bitcoin blockchain. The method may include receiving (110) a first request from a first node (15) associated with the first user (A) to transfer a first quantity of cryptocurrency associated with the first transaction (22) and receiving (120) a second request from a second node (17) to transfer a second quantity associated with the second transaction (24). The first transaction (22) is conditional on receiving (120) the second request and the second transaction (24) is conditional on receiving (110) the first request. The method also includes verifying (130) the first request and second request that includes determining both the conditional steps of receiving the first request and second request are satisfied.

Abstract: A method for encrypting paper title assets to crypto currency and transferring title is disclosed. The method involves the use of application software and a physical vault. Application software including an encryption engine, a decryption engine, a user interface module, records, and a security key management system. Paper title assets are provided to a physical vault and transferred physically at the behest of users of the application software and verified by public ledger records.

Abstract: A system and method uses a cloud computing based mobile wallet application for deconstructing various elements of magnetic stripe data corresponding to a pre-paid gift card, storing such data elements in disparate secure storage devices on different networks to enhance security and reassembling the various elements to reconstruct the magnetic stripe data on demand at the time of processing a financial transaction.