Abstract: A method includes receiving an asset freeze service request having an authentication token by a service computing system from a user computing system. The method further includes retrieving a recorded user identifier and a recorded asset identifier by the service computing system from an asset control system that facilitates access of the virtual asset within a virtual environment. The method further includes comparing the user identifier with the recorded user identifier or the asset identifier with the recorded asset identifier by the service computing system. The method further includes the service computing system generating a key associated with the virtual asset and sending the key and the asset freeze service request to the asset control system. The method further includes service computing system generating an asset freeze protocol defining access to the virtual asset. The asset freeze protocol includes receiving a level one first trigger by the service computing system.

Abstract: A control method including: receiving first transaction data including a first electronic signature from the a home of a first user; verifying whether the received first electronic signature included in the first transaction data is valid; verifying validity of the received first transaction data; when the first electronic signature and the validity of the first transaction data are verified successfully, executing a first consensus algorithm for the first transaction data; and when the validity of the first transaction data is verified according to the first consensus algorithm, recording a block including the first transaction data in a distributed ledger. The first electronic signature is a group signature assigned to a group to which the first user belongs.

Abstract: Systems and methods are disclosed for device movement-based authentication. One method comprises receiving contextual data from one or more sensors of a user device and determining a device movement pattern based on the received contextual data. The determined device movement pattern is compared with a device movement-based signature associated with a user of the user device. If the determined device movement pattern matches the device-movement based signature within a predetermined threshold, the user is authenticated for an electronic transaction. If the determined device movement pattern does not match the device-movement based signature, a notification indicating authentication failure is sent to the user device.

Abstract: Methods and systems related to authoring and acquiring digital rights management (DRM) licenses are disclosed. For example, a computing device may generate or author a digital rights management license for a content asset that includes one or more usage restriction rules. A usage restriction may limit the maximum display resolution for a content asset. Another device may then receive the license and process the one or more usage restrictions prior to presentation of the content asset to a user.

Abstract: Example methods, apparatuses, and systems are presented that allows a user to make a secure purchase online, directly through accessing an online advertisement and without being redirected to multiple, cumbersome webpages to process different pieces of information to complete the transaction, while still leveraging existing e-commerce entities, such as existing payment platforms and existing ad/content networks. The present system includes a commerce ads engine (CA engine) that interfaces with the user through an app associated with the CA engine, a tokenization platform for authentication of the user, and a merchant providing relevant offer and check out information about a product being advertised in an online ad.

Abstract: Methods and systems for provisioning a secure element of a digital device with financial credentials of a consumer are disclosed. In an embodiment, an external entity computer receives from one of a merchant computer or a manufacturer computer, a consumer order for a digital device that includes a secure element (SE). The external entity computer then obtains, based on the digital device information setup data of a digital device which fulfills the order, and transmits a financial account provisioning request including the setup data and the consumer account information to a token service provider (TSP) computer. The process also includes the external entity computer receiving provisioning data including a personalization script which includes financial account token credentials of the consumer from the TSP computer, and then personalizes the ordered digital device with the financial account token credentials.

Abstract: The disclosure describes a campaign director (CD) system associated with a financial institution and an associated campaign manager (CM) unit executing on a mobile device used to facilitate behavior based allocation of payment tokens and activation of payment transactions based on the tokens. The CM unit of the mobile device may be programmed by the CD system at the financial institution to generate tokens according to a token generation model that is a function of financial behavior history associated with a credit card account. When a credit card is used to initiate a payment transaction with a merchant, the CM unit of the mobile device may generate a token for the payment transaction and send the token to the CD system at the financial institution. The CD system then determines whether to activate the payment transaction based on the token and merchant data associated with the payment transaction.

Abstract: Systems and methods for facilitating transfer of ownership of tokens between users on a decentralized database stores a registry of assets and transactions are disclosed. Exemplary implementations may: store, on electronic storage, a set of code executable by the decentralized database to manifest individual tokens on the decentralized database; and record the set of code on the decentralized database such that the set of code is accessible at a creator address that is associated with the creator of the set of code. Using the functions defined by the set of code, an owner of an individual token can offer to sell the individual token, and a buyer can accept this offer to buy the individual token, at an agreed-upon price.

Abstract: Systems and methods of securing, distribution and enforcing for-hire vehicle operating parameters are described whereby a first computer system maintaining the parameters generates a data packet that is distributed to a second computer system which acts as a meter (such as a taximeter, limousine meter or shuttle meter) for the for-hire vehicle. The first computer system may secure or encrypt the data packet according to a security protocol associated with the second computer system. Once the second computer system receives the data packet, it may validate and extract the operating parameters contained within it. The second computer system may then store the operating parameters and operate according to the parameters by, for example, calculating fares for passengers that make use of the for-hire vehicle associated with the second computer system.

Abstract: A transaction system avoids the storage of any single information item that can be used to provide access to sensitive information. To gain access to the sensitive information, information elements from at least two different databases must be provided, none of the information elements being sufficient to gain access to the sensitive information. In an example embodiment, a payment company encrypts the sensitive information, then partitions the encrypted information into at least two parts. These at least two parts are stored in at least two databases, each database being controlled by a different entity. To gain access to the sensitive information, each of the different entities must provide their part of the encrypted information. Absent any one of the parts of the encrypted information, it is virtually impossible to access the sensitive information.

Abstract: A method for generating payment credentials in a payment transaction includes storing, in a memory, at least a card master key associated with a transaction account. The method also includes generating, by a processing device, a first session key based on at least the stored card master key; generating, by the processing device, a second session key; generating, by the processing device, a first application cryptogram based on at least the first session key; generating, by the processing device, a second application cryptogram based on at least the second session key; and transmitting, by a transmitting device, at least the first application cryptogram and second application cryptogram for use in a payment transaction.

Abstract: A contactless payment device including a wireless communication device; a power source; a processor coupled to the power source; an accelerometer communicatively coupled to the processor and the power source; and an actuator communicatively coupled to the wireless communication device and the processor. The actuator is configured to activate the wireless communication device when the actuator is set in a closed state, and deactivate the wireless communication device when the actuator is set in an open stat. The processor is configured to receive an incoming signal from the accelerometer; determine whether the incoming signal corresponds to a pre-programmed signal corresponding to an enabling gesture; and set the actuator in the dosed state for a time interval, when the incoming signal corresponds to the enabling gesture.

Abstract: Provided is a system, method, and computer program product for predicting a specified geographic area of a user. The method includes receiving transaction data associated with a plurality of transactions during a predetermined time interval. The method also includes generating a geographic area prediction model based on the transaction data by determining a verified geographic area for each user, and determining transaction data associated with a plurality of transactions involving each user for a plurality of feature vector parameters, training the geographic area prediction model based on the plurality of feature vector parameters for the verified geographic area for each user, and validating the geographic area prediction model based on the plurality of feature vector parameters for the verified geographic area for each user.

Abstract: Devices and circuitry for computing hash values.

Abstract: A device may receive a uniform resource locator (URL) and encrypted data. The device may download a first application from an application server based on the URL. The device may download and execute the first application. The first application may receive the encrypted data.

Abstract: Method, system, and computer program product for executing cryptocurrency transactions. A request to execute a transaction related to a first cryptocurrency token is received by a secure ledger network. The secure ledger network executes a smart contract validated thereby and determining at least one rule for performing the transaction. Execution of the transaction comprising determining a price of the first cryptocurrency token and/or an amount of at least one of the first cryptocurrency token and another cryptocurrency token obtained in exchange of one another, based on a group of parameters comprising: a total amount (Tt) of the first cryptocurrency token in circulation, a total reserve (Tr) of the other cryptocurrency token in a reserve, and a reserve ratio constant (Rr) predefined as a ratio between the total reserve and a token market cap. A secure ledger maintained by the secure ledger network is updated about completion of the transaction.

Abstract: Conducting hands-free transactions comprises a server at a payment processing system, a user computing device, and a merchant computing device. The payment processing system receives a communication from a hands-free payment application on a user device, the communication comprising a first transaction token, an identification of a user account, and a beacon identifier. The merchant may provide a challenge to the user and use the response to identify the token and account of the user. The merchant computing device can use voice patterns of the user to assist in identifying the token and account of the user. The system receives from the merchant computing device a transaction request, the transaction request comprising the first transaction token and transaction data associated with the transaction request. The system determines that the transaction is for an amount less than a configured transaction limit and communicates a request for an authorization of the transaction.

Abstract: A method for periodic aggregation of blockchain transactions for reduced processing times and bandwidths includes: storing at least a cryptographic key pair comprising a private key and a public key and a plurality of unspent blockchain transactions, each unspent blockchain transaction including at least an output address and transaction amount; generating a digital signature using the private key; generating a recipient address using the public key; generating a new blockchain transaction after satisfaction of a trigger condition, the new blockchain transaction including each of the plurality of unspent blockchain transactions as inputs, the digital signature, the recipient address, and a transfer amount based on a summation of the transaction amount for each of the unspent blockchain transactions; and transmitting the new blockchain transaction to a node in a blockchain network.

Abstract: A method includes receiving, on a computer-implemented system and from user, an identification of data and an identification of an algorithm and, based on a user interaction with the computer-implemented system comprising a one-click interaction or a two-click interaction. Without further user input, the method includes dividing the data into a data first subset and a data second subset, dividing the algorithm (or a Boolean logic gate representation of the algorithm) into an algorithm first subset and an algorithm second subset, running, on the computer-implemented system at a first location, the data first subset with the algorithm first subset to yield a first partial result, running, on the computer-implemented system at a second location separate from the first location, the data second subset with the algorithm second subset to yield a second partial result and outputting a combined result based on the first partial result and the second partial result.

Abstract: A computer-implemented method for predicting interchange charges includes: retrieving a historical transactions set, where each completed transaction in the set includes transaction features, a bank identification number (BIN), and a corresponding true interchange code; transforming all BINs in the set into a corresponding plurality of BIN features that comprise probabilities; creating a first training set including all transaction features, all pluralities of BIN features, and all true interchange codes associated with the historical transactions set; training a random forest model using the first training set and generating a second training set including rounded BIN features, rounded transaction features, discrete ones of the transaction features, and the true interchange codes; training the random forest model using the second training set to generate a trained random forest model for prediction of the interchange codes; and executing the trained random forest model for new transactions to generate corres