Abstract: An electronic device includes a communication circuit and a processor connected to the communication circuit. The processor may be configured to generate first transaction data comprising a first piece of transaction data for transferring a part of unused transaction output values of a first address from the first address to a second address, transmit the first transaction data to a server, receive status information indicating a transmission delay status of the first transaction data in a blockchain network from the server, receive recommendation fee information on transmission of the first transaction data, from the server, and generate second transaction data comprising a second piece of transaction data for transferring the part of the unused transaction output values of the first address from the first address to the second address, based on the recommendation fee information.

Abstract: The invention provides improved Simplified Payment Verification (SPV) solutions for blockchain-implemented transfers. It is suited for, but not limited to, implementation in one or more SPV wallets, or on smart cards etc. In accordance with one embodiment, a method, system or resource(s) is provided which enables Alice to transfer an asset to Bob. Bob sends Alice a payment transaction template (template Tx3) and requests: the full transaction data for all input transactions (Tx1, Tx2) comprising at least one output that Alice wants to spend as inputs to a transfer (Tx3); the Merkle path for all input transactions (Tx1, Tx2) linking them to their respective Merkle roots associated with their respective block headers; the completed transfer transaction (Tx3). Alice provides this information plus her signature and optionally a change address.

Abstract: A network-based service creates a smart contract on a blockchain on behalf of a user who has a loan or a subscription that requires installment payments be collected by a provider from the user and provided to creditor of the loan or subscription. The smart contract associates a default account of the user with a first access token and non-default registered other accounts of the user with a second access token. The smart contract when presented with the access tokens from a provider determines whether the payment due can be satisfied from a current balance of the default account and if so, transfers the payment from the default account to the provider. If the default lacks sufficient funds for the payment, the smart contract proportions the amounts taken from each of the accounts to reach the amount due and transfers the amount due to the provider.

Abstract: A blockchain agnostic token network is described. In an example, a request to purchase a non-fungible token (NFT) minted on a blockchain from a seller is received. Based at least in part on context data associated with at least one of the user, the seller, or a digital asset associated with the NFT, a plurality of available blockchains is determined for holding the NFT. Information associated with the plurality of blockchains is surfaced and one of the plurality of blockchains is determined for holding the NFT. Based at least in part on the determined blockchain, the NFT is transferred to the determined blockchain and associated with a user account for subsequent viewing.

Abstract: Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for providing, along with a token, a token assurance level and data used to generate the token assurance level. At the time a token is issued, one or more Identification and Verification (ID&V) methods may be performed to ensure that the token is replacing a PAN that was legitimately used by a token requestor. A token assurance level may be assigned to a given token in light of the type of ID&V that is performed and the entity performing the ID&V. Different ID&Vs may result in different token assurance levels. An issuer may wish to know the level of assurance and the data used in generating the level of assurance associated with a token prior to authorizing a payment transaction that uses the token.

Abstract: Novel technical ways of analyzing a blockchain system using machine learning are presented, including structures and techniques that can facilitate blockchain address risk assessment via graph analysis. In various embodiments, a system can access a blockchain. The system can build a transaction graph based on analysis of the blockchain. Nodes of the transaction graph can respectively represent blockchain addresses that are recorded in the blockchain. In various cases, edges in the transaction graph can respectively represent blockchain transactions between different ones of the blockchain addresses that are recorded in the blockchain. The system can calculate risk scores respectively corresponding to the blockchain addresses, based on analyzing the transaction graph via at least one machine learning algorithm. These techniques can improve computer operational efficiency by avoiding the execution of unnecessary blockchain transactions.

Abstract: A distributed storage and computing architecture and associated usage techniques are described for providing efficient and secure management of blockchain transaction approval using private encryption keys stored offline, such as via an offline device that stores offline private encryption key(s) and that communicates with an online device using only encoded QR codes and without any inter-device electronic transmissions or communications, or otherwise using private encryption keys stored offline.

Abstract: A method for supplying a controlled payment number for use on behalf of a tokenized payment account in a digital wallet for e-commerce includes: receiving, by a wallet server, at least a token identifier from an external computing device, the token identifier being associated with a tokenized payment account in the external computing device; transmitting, by the wallet server, at least the token identifier and a request flag to a processing server; identifying, by the processing server, a transaction account number associated with the token identifier, wherein the transaction account number corresponds to the payment account; identifying, by the processing server, a controlled payment number corresponding to the payment account; receiving, by the wallet server, the identified controlled payment number from the processing server; and transmitting, by the wallet server, the identified controlled payment number to the external computing device.

Abstract: A blockchain agnostic token network is described. In an example, a request to purchase a non-fungible token (NFT) minted on a blockchain from a seller is received. Based at least in part on context data associated with at least one of the user, the seller, or a digital asset associated with the NFT, a plurality of available blockchains is determined for holding the NFT. Information associated with the plurality of blockchains is surfaced and one of the plurality of blockchains is determined for holding the NFT. Based at least in part on the determined blockchain, the NFT is transferred to the determined blockchain and associated with a user account for subsequent viewing.

Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions in accordance with corresponding workflows. The transaction exchange platform may generate configuration transaction objects to reconfigure microservices with salt values and time periods of salt value validity. Further, the microservices may retrieve transaction objects from a streaming data platform and generate hash signatures as part of determining the validity of the transaction objects. Furthermore, in some aspects the microservices may retrieve salt values for transaction objects that cannot be verified due to the absence of a hash signature. The salt values may be retrieved from a blockchain associated with the streaming data platform and may be used to update the microservice to include the salt value.

Abstract: Some examples of the present disclosure relate to generating artificially intelligent entities represented on a blockchain using a non-fungible token (NFT). In one such example, a system can generate an NFT on a blockchain. The NFT can represent an artificially intelligent entity. The system can also generate a personality dataset on the blockchain, the personality dataset describing personality characteristics of the artificially intelligent entity. The system can then correlate the NFT to the personality dataset, thereby assigning the personality characteristics to the artificially intelligent entity. Once generated, the artificially intelligent entity may reside in a virtual ecosystem in which it can perform tasks and learn over time.

Abstract: The present disclosure is generally directed to an apparatus for generating a non-fungible token (NFT), the apparatus may include at least a processor and a memory communicatively connected to the at least processor, wherein the memory containing instructions configuring the at least processor to receive user data and classify the user data to a plurality of interest categories. The processor may be configured to generate a recommendation for an NFT as a function of the plurality of interest categories, where generating the recommendation further may include identifying a value function as a function of the plurality of interest categories. The processor may be configured to optimize the value function, generate the recommendation as a function of the optimization, and mint the NFT as a function of the recommendation.

Abstract: A method includes: receiving, via a mobile device, an indication from a user to perform a transaction to transfer funds to a recipient; selecting a default payment account of a plurality of accounts of a user based on a user preference received from the user; and, transmitting funds to the recipient responsive to receiving the indication from the user.

Abstract: Techniques described herein are directed to implementing three-domain secure (3DS) solutions in a software development kit (SDK), and more generally, improving the process of authenticating user transactions in third-party merchant applications. In an example, a user may enroll in the delegated authentication service offered by the authentication service provider as a result of conducting a payment transaction in a first application having the SDK. During a subsequent transaction, initiated in an unassociated second application having the compiled SDK, the user may authenticate the payment method without registering the payment method with the second application and/or by delegating a 3DS authentication to the authentication service provider rather than performing the 3DS authentication with an issuer of the payment method. Additionally, techniques described herein may configure a user device, without access to an internet connection, as a standalone payment instrument.

Abstract: In the present disclosure, systems and methods are described for video gaming in a controlled environment facility. A video game server allows tenants of a controlled environment facility to play video games that are served and monitored by the video game server. In embodiments, users may initiate a game session to play games in a single player mode, competitive multiplayer or cooperative multiplayer mode depending on the game being played. The video game server maintains block lists for each user such that those users may not initiate or engage in the same game sessions with each other. In game sessions with two or more users, the video game server allows users to communicate via audio or text communications. The video game server may monitor those communications for potential security concerns. Users may also view videos of previously completed or live game sessions, subject to similar security monitoring measures.

Abstract: The invention relates to a method for the fully offline interception-free interaction with a cryptocurrency network using a network-disabled device, the method comprises: generating a by the cryptocurrency network acceptable cryptographic key pair on the network-disabled device, from one or more seeds; wherein one or more of the seeds used for the generation of a cryptographic key-pair, are generated using one or more environmental sensors, biometric sensors, or a combination thereof.

Abstract: Disclosed are methods and systems for enabling an assertion to be provided to a relying entity that is associated with a discount or digital coupon for an item in a transaction. The assertion may indicate an interaction by a user device with a digital indicator associated with the item and/or a resource provider offering the item. The assertion may be associated with a user and redeemed at a later time to apply a discount for an item involved in a transaction. The assertion may indicate an interaction with a digital indicator at one location for an item and redeemed at another location, including an online transaction, for the same item.

Abstract: A consumer terminal for a point-of-sale (POS) system used in performing a POS transaction between a merchant and a consumer. The consumer terminal includes a touch screen display having a touch panel, a secure processor in a physically secure area and a main processor in a non-secure area. The main processor is configured to display a series of screens to guide a consumer through the POS transaction. Upon receiving a request for secure data from the main processor, the secure processor instructs the main processor to exit pass-through mode and enter a secure touch mode. Upon a determination that the request for secure data is complete, the secure processor instructs the main processor to exit secure touch mode and return to pass-through mode.

Abstract: Certain aspects of the disclosure provide a method for transferring an achievement token, comprising: receiving a request to transfer an achievement token to a user; querying a smart contract to obtain a requirement associated with the achievement token; verifying, via a blockchain, the user completed the requirement, including retrieving user evidence associated with the requirement from the blockchain; and storing user evidence with a transaction history associated with the transfer of the achievement token to the user; and transferring, via the blockchain, the achievement token to the user.

Abstract: A computer system acquires account balance information for a first account from a database. The system generates a first screen display showing the account balance information for the first account and provides the first screen display to a mobile device. The system receives a request for a mobile wallet transaction to transfer funds to a recipient and a threshold value for an account balance in the first account. The system determines that the mobile wallet transaction causes the account balance in the first account to decrease below the threshold value, generates a second screen display including a link associated with a second account, and provides the second screen display to the mobile device. The system receives a selection of the link associated with the second account, generates an optical code associated with the second account, and transmits the optical code to the mobile device for the mobile wallet transaction.