Abstract: Systems and methods for verifying users in connection with transactions are disclosed. One exemplary method includes, in response to a payment device being inserted at a terminal, initiating, by a security chip of the payment device, a timer and capturing, by a biometric sensor of the payment device, a fingerprint while the timer is unexpired. The method also includes verifying, by the security chip, the captured fingerprint against reference fingerprint data stored in memory in the payment device and, in response to the captured fingerprint being verified, while the timer is unexpired, initiating, by the security chip, with the terminal, a transaction to an account using an account number specific to a biometric application of the payment device. An issuer can recognize verification of a user associated with the fingerprint based on the account number in an authorization request, instead of a different account number for the account.

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: 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: Systems and methods for establishing and fulfilling a smart contract between users and service providers are disclosed. A method includes creating, by one or more nodes in a computer network, a smart contract in response to a request from a user for services and providing the smart contract to a blockchain. The method then includes notifying service providers of the smart contract and receiving responses to the notifications from the service providers. Then the method includes identifying one or more service providers that can complete the service. The method then includes updating the smart contract to include data about the identified service providers. The updated smart contract includes account information for a user account of the user, and account information for service provider accounts of the identified service providers. Then a value interaction is initiated that pushes value from the user account to the service provider accounts.

Abstract: A method is provided. The method includes receiving a request message, the request message relating to a transaction between a first client and a second client, the request message including first client data and second client data, the first client data identifying an account to be used by the first client in the transaction, the second client data indicating if the second client is subscribed to a service. The method further includes determining if the second client is subscribed to the service, and generating an authentication request message if the second client is not subscribed to the service, the authentication request message requesting confirmation that a holder of the account is the first client. The method further includes sending the authentication request message, and receiving an authentication response message from the external server in response, the authentication response message including an indication whether the holder is the first client.

Abstract: A method and system implemented in an e-commerce system to facilitate transactions between a customer and a vendor is disclosed. The method includes generating, by a processor, the requested at least one NFC code and token, wherein the at least one NFC code and token an identification of the price the customer pays for a specific product, the customer's amount owed on an invoice or granting access to a secure account, transmitting, by a transmitter, the at least one NFC code and token to a vendor server; receiving, by a receiver, a response email, wherein the response email includes the token; decoding, by the processor, the token; performing, by the processor, an Sender Policy Framework (SPF) and DomainKeys Identified Mail (DKIM) validation; and processing, by the processor, the transaction, on a condition that the SPF and DKIM validations are approved.

Abstract: The disclosure extends to methods, systems, and computer program products for identifying transaction data from within aggregated data and suggesting additional services based on the transaction data. The disclosure also extends to methods, systems, and computer based products for discovering transaction attributes within a database of aggregated account data including, aggregating and matching financial account attributes between a plurality of accounts in order to provide additional services to account holders.

Abstract: A security application may provide a secure digital currency for a blockchain while maintaining anonymity and security from unauthorized third parties. One example may include one of accessing a retailer site from a device, selecting one or more items for purchase, transmitting a payment option to the retailer site for the selected one or more items, receiving a payment request message from the retailer site comprising a unique identifier linked to one or more incentives, creating a payment confirmation message comprising the unique identifier and the one or more incentives, and transmitting the payment confirmation.

Abstract: Systems and methods for operating a bridge server to support multiple shards of blockchains are disclosed. The multiple shards may be used to record ownership rights of in-game digital assets. The in-game digital assets may be usable in an online gaming platform. Exemplary implementations may: execute an instance of a game; maintain user accounts for the users of a blockchain on a first and a second decentralized ledger server; record sets of rights pertaining to sets of digital assets; receive an exchange request for a first digital asset; receive transferal information for the first digital asset; transfer sets of instructions to the first and second decentralized ledger servers such that the first decentralized ledger server removes the first digital asset from the first set of digital assets and the second decentralized ledger server adds the first digital asset to the second set of digital assets.

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: Information associated with loans on personal property assets, such as vehicles or buildings, may be managed. An access computing device may be configured to access a blockchain network including a plurality of node computing devices that store a respective copy of a plurality of blockchains, each blockchain including a sequence of one or more blocks. The access computing device may manage communication of data between the blockchain network and a loan applicant or loan provider. The access computing device may transmit instructions to a node computing device to generate new blocks in the blockchain associated with new and/or updated loans on a personal property asset.

Abstract: A biometric heartrate authentication system and method is disclosed that leverages heartrate information collected by heartrate tracking devices to build a heartrate profile for a client. The system further leverages location information collected by existing location information services to determine an activity profile for a client. The activity profile information may be used together with the heartrate profile to generate an expected heartrate range against which a cardholder heartrate may be compared for authentication purposes. Because client heartrate characteristics are generally unique, varying according to the unique activities being performed by the client at any point in time, the system and method thus provide a low cost, non-invasive method for reliably authenticating individuals and securing against fraudulent account accesses.

Abstract: A message processing server includes a message processor and a database of multi-layer tokens. Each token in the database includes a plurality of encrypted data layers. The first layer includes the second layer and a first pointer. The second layer includes a second pointer. The message processor is configured to receive a first authorization message including a first cryptographic key and a second value; decrypt the first layer of one of the tokens with the first key; validate the first pointer by receiving confirmation of the first pointer pointing to a database entry comprising the second value; receive a second authorization message including a second cryptographic key and a third value; decrypt the second layer of the token with the second key; and validate the second pointer by receiving confirmation of the second pointer pointing to a database entry comprising a maximum data value not less than the third value.

Abstract: The systems and methods described herein are directed toward launching a third party application in a media center module using a contextual link. The media center module is configured to enable the third party application to register with the module and to associate a contextual link corresponding to the third party application with a context provided by the media center module. In response to a request for information related to the context, the media center module is configured to direct to a location associated with the contextual link. The media center module is further configured to provide to the location data that identifies the context. In response to the provided data, the location is populated with the requested information. Thus, the use of conditional link enables a third party application to register to be a context handler for a media center module.

Abstract: Systems, methods, and apparatuses for identifier matching and management are described herein. In various embodiments, the system includes a distributed architecture for receiving and matching public and secure identifiers associated with a particular consumer. In particular embodiments, the system uses the matched public and secure identifiers to transmit one or more messages to the particular consumer.

Abstract: A message processing server includes a message processor and a database of multi-layer tokens. Each token in the database includes a plurality of encrypted data layers. The first layer includes a first data pointer. A primary layer includes the first layer and identifies a reference data value. The message processor receives from a communications device an authentication request identifying a first data value, validates the authentication request from the first data value and the reference data value configured in one of the multi-layer tokens, receives a first authorization message including a first cryptographic key, derives a first decrypted data layer from the first cryptographic key and the first encrypted data layer of the one multi-layer token, and validates the first data pointer by receiving confirmation of the first data pointer pointing to a database entry comprising a second data value less than the reference data value.

Abstract: Disclosed herein are methods, devices, and apparatuses, including computer programs stored on computer-readable media, for managing a cryptographic key. One of the methods includes: receiving a request for a signature on transaction data; allocating a key manager corresponding to the request; and obtaining, by the key manager, the signature on the transaction data and the cryptographic key, wherein the cryptographic key is a public key, and the signature on the transaction data is obtained based on a private key corresponding to the public key.

Abstract: Disclosed herein are systems, methods, and non-transitory computer-readable media for enforcing application usage policies. As part of an application purchase transaction, the application distributor creates a unique proof of purchase receipt. This receipt can be bundled with the application and delivered to the purchaser. Each machine can maintain an authorization file that lists the users authorized to use applications on that machine. A system configured to practice the method verifies that a user is authorized to use an application on a machine based on an application proof of purchase receipt and the authorization file. If the application proof of purchase receipt and the authorization file are both valid, the system checks if the user account identifier in the receipt is contained in the authorization file. If so, the user can be considered authorized to use the application on the machine.

Abstract: Systems, apparatuses, and methods for performing transactions through mobile communication devices using either telecommunications networks or proximity near-field communications systems are disclosed. A mobile communication device may display an application authentication element. The application authentication element may include a pre-selected authentication element and transaction data associated with a transaction conducted by a mobile communication device. The mobile communication device may obtain the pre-selected authentication element by either transmitting a request to a server computer or retrieving the pre-selected authentication element from a secure memory in the mobile communication device. A user authentication token may be received by the mobile communication device from the user. The mobile communication device may generate a secret token that is derived from the user authentication token. If the secret token is correlated to a secret reference token, then a transaction may be conducted.

Abstract: A method includes initiating, by a computing device, an acquisition process with a merchant server to acquire an item using an exchange item. The method further includes determining, by the merchant server and/or a marketplace server, whether the acquisition process requires verification of the merchant server. When the acquisition process requires verification, the method further includes obtaining, by the marketplace server, a verification signature of the merchant server. The method further includes authenticating, by the marketplace server, the verification signature of the merchant server in accordance with use rules associated with the exchange item. When the verification signature is authenticated, the method further includes facilitating, by the marketplace server, exchange of the secure custody of the exchange item data file between the computing device and the merchant server in accordance with the secure custody protocol to finalize the acquisition process.