Abstract: An encrypted payment message is received from a buyer relating to a transaction with a merchant. The payment message is parsed using a first parsing algorithm to obtain merchant identifying information. The merchant identifying information is associated with at least a second parsing algorithm or at least one settlement algorithm. The payment message is parsed using the second parsing algorithm to obtain payment information for the transaction. A first settlement algorithm is applied to the payment information to determine an adjusted interchange rate. The payment information including the adjusted interchange rate is submitted to a third party settlement processor on behalf of the merchant, using a payment algorithm. A second settlement algorithm applied to the payment information determines a buyer rebate which can be submitted to the settlement processor. A transaction result is reported to at least one of the merchant or the buyer.

Abstract: A processor-implemented system and method for dynamically retrieving an attribute value of an identity claim for a user using a digitally signed access token that is digitally signed by a user device, at a relying party device associated with a relying party. The method includes (i) making an API call to retrieve at least one identity claim for the user, (ii) processing each identity claim of the user, with the relying party device, to identify if at least one by-reference identity claim that includes a URL of an endpoint, (iii) obtaining the digitally signed access token that is digitally signed by the user device, (iv) invoking the URL of the endpoint with the at least one by-reference identity claim and the digitally signed access token, and (v) dynamically retrieving the attribute value from the URL of the endpoint from an issuing party device associated with an issuing party.

Abstract: A method for preventing unauthorized repeat purchases of a product includes: storing a plurality of purchase data values, each related to a completed financial transaction and including a purchase identifier; receiving an authorization request for a new financial transaction from an external system, the authorization request including a specific identifier; identifying a number of purchase data values where the included purchase identifier matches the specific identifier; and transmitting an authorization response to the external system, the authorization response including (i) an approval of the new financial transaction if the number of purchase data values is below a predetermined number, or (ii) a denial of the new financial transaction if the number of purchase data values is equal to or above the predetermined number.

Abstract: Various embodiments of the present invention are directed to methods, systems and computer program products for conducting an online transaction on a website involving sensitive information. Such embodiments provide methods, systems and computer program products to: (a) register at least one entity with a gate keeper module, the registering comprising associating the entity with a subscription level; (b) associate a sub-string of a character string with a unique token so that a direct link does not exist between the unique token and the character string; and (c) during processing of the online transaction: (i) using the unique token for intermediate steps during the processing of the online transaction; and (ii) only accessing the character string in storage memory to complete the online transaction after receiving a request from at least one registered entity associated with a subscription level associated with a privilege to receive the requested sensitive information.

Abstract: A method includes: providing a mobile wallet on a mobile device of a user; generating a customer token regarding the user; generating a device token regarding the mobile device; encrypting and sending the customer token and the device token; receiving a user credential associated with a second institution; accessing information regarding an account of the user at the second institution; automatically provisioning the account to the mobile wallet; providing tokenized account information associated with the provisioned account to the mobile wallet; receiving an input of a login credential associated with the first institution; receiving an indication of an initiation of a mobile wallet transaction; validating and identifying the user based on the received login credential and the customer token; validating the mobile wallet of the mobile device based on the device token; and transferring funds from the provisioned account to a recipient as part of the mobile wallet transaction.

Abstract: Methods and apparatus for pre-scaling media content to facilitate audience measurement are disclosed. An example method includes encoding a media content sample in accordance with a first encoding configuration and playing the encoded sample. The example method also includes attempting to detect the codes in the sample, and computing a ratio between the codes encoded in the sample and the codes detected when the sample is played.

Abstract: A method includes receiving a fund access request from a user device associated with a user; generating a tokenized card number based on an actual card account number of the user that substitutes the actual card account number in a payment transaction; providing a code to the user device including the tokenized card number and a numeric or alphanumeric string of values; determining that the numeric or alphanumeric string of values in the code transmitted to the user device matches a numeric or alphanumeric string of values in a field of a code received from a separate computer system; determining that a location of the user device matches a merchant location; authenticating the payment transaction based on the numeric or alphanumeric match and the location match; and, transmitting the actual card account number to the separate computer system as part of the payment transaction.

Abstract: Systems, methods, and computer-readable media disclosed herein relate to reducing computation and computing resources for certain blockchain related transactions. Specifically, software algorithms and architecture allow some transactions to avoid the need for recordation on a blockchain, which can be computationally expensive both for a requesting device and for various nodes on the blockchain. Thus, a computer system may receive indications of incoming transactions transferring digital assets to particular user accounts, and in response to requests from user accounts, the computer system facilitates one or more internal transactions between those accounts. In response to a request from a particular internal user account, the computer system may perform an outgoing transaction transferring one or more digital assets to an external user account from one or more internal user accounts.

Abstract: A user initiates a transaction by providing identification data at an access device. Certain elements of a validation identity token, such validation keys, may be distributed among several remote server computers. After the elements are retrieved during the transaction, the validation identity token may be generated using the retrieved elements. The validation identity token may indicate whether the user is authenticated. No single entity can possess all elements utilized to generate the validation identity token, which mitigates risk of the validation identity token being compromised. In some embodiments, the validation identity token may be a chromatic identity token, which may indicate validity by color.

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: A device may include a processor, a wireless transceiver in communication with the processor, and a non-transitory memory. The memory may store instructions that, when executed by the processor, cause the processor to perform processing. The processing may include receiving a command configured to be executed by an external user device. The external user device and the user device may be members of a network of trust. The processing may include detecting, by the wireless transceiver, a plurality of member devices of the network of trust in communication range of the device. The processing may include sending, by the wireless transceiver, the command to each of the plurality of member devices.

Abstract: Embodiments are directed to issuing tokens for identifiers associated with a resource provider account specific to the resource provider issuing the account. A resource provider processor system interfaces with a resource provider computer to validate account eligibility upon receiving a token request message. If the account is eligible for token generation, the resource provider processor system generates a universal identifier corresponding to the identifier associated with the resource provider account and returns the universal identifier to the token requestor. The token requestor may send a token request message to a token issuer for obtaining a token using the universal identifier. Accordingly, the universal account identifier can be used to provision a token into a digital wallet. Transactions using the token may be processed with the resource provider processor system acting as an account issuer.

Abstract: The present invention is provides a system or a computer implemented user digital assets management method for managing digital assets of a user while maintaining privacy and security. The digital assets are converted into anonymous data having a verifiable portion and an encrypted portion. The verifiable portion contains non identifiable information of the user and the encrypted portion contains identifiable information of the user. The identifiable information includes user personal data. The user has control on the anonymous data and grants access to the service provider accordingly.

Abstract: A provisioning system is provided for terminals such as point of sale terminals. An interface device interfaces with a smart card and a provisioning server, providing initialization keys and security codes that are stored on the smart card. At a terminal, an initialization key from the smart card may be provided to the terminal if a correct security code is entered at the terminal. The terminal may then provide a terminal authorization package to the smart card. The terminal authorization package is stored on the smart card. At the interface device, the terminal authorization package is provided to the provisioning server. The terminal may then securely communicate transactions with an issuer server.

Abstract: There is described an auditor system and method for a building management system environment comprising a blockchain component and an alarm remediation and auditing device. The blockchain component provides communication between the auditor system and a network of peer-to-peer nodes. The alarm remediation and auditing device provides interaction between the auditor system and one or more user, wherein the alarm remediation and auditing device is further configured to process building information associated with a selected remediation type received from the blockchain component as well as requirement for regulatory compliance. The auditor system performs an audit of transaction records of the decentralized ledger relating to the remediation type without providing any new transaction records to the decentralized ledger that relate to the remediation types of the building automation system and do not relate to the audit.

Abstract: Systems and methods for secure purchasing are provided in which an invoice comprising an amount to be remitted and a merchant identification is generated. The invoice is transmitted to a remote invoice database. At a device associated with a consumer, the invoice identification is received. A request including the invoice identification is sent to the remote invoice database thereby retrieving information about the invoice including an amount to be remitted and a merchant identification. Responsive to receiving consumer confirmation of the invoice, an approval of the invoice is transmitted to an account database comprising at least one account corresponding to the consumer. At a device associated with the account database, after receiving invoice approval, the invoice amount is remitted to the merchant in the form of a bank check that identifies the merchant and a notification of the check and the merchant is stored in the remote account database.

Abstract: Systems and methods for secure purchasing are provided in which, at a merchant device, an invoice is generated comprising a remittance amount and a merchant identification. The invoice is associated with an invoice identification. The invoice is transmitted to a remote invoice database. At a consumer device, the invoice identification is received. A request that includes the invoice identification is transmitted to the invoice database. Information about the invoice is received from the invoice database including the remittance amount and merchant identification. The remittance amount, merchant identification, and a prompt to confirm the invoice are displayed. Responsive to receiving approval from the consumer, the invoice is transmitted to a remote account database comprising an account corresponding to the consumer. At a device associated with the remote account database, after receiving the approval of the invoice from the consumer device, the amount of the invoice is remitted to the merchant.

Abstract: A system including a data storage server, a service provider's server, and a gateway including a transceiver configured to operate at a power level below 5.0 mW, the data storage server generates first tokens, receives a registration from the service provider's server, and issues first tokens to the service provider's server, and receives a first token from the service provider's server. The data storage server receives sensor data from the gateway, the gateway executes the application to receive the sensor data from sensors, and the data storage server issues second tokens to the gateway after receiving the sensor data from the gateway and stores the received sensor data on the data storage or service provider's server.

Abstract: Methods, apparatus and computer software are provided for authorizing an EMV transaction between a user device and a point of sale terminal, particularly, but not exclusively, in situations where a secure element is not made available for the deployment of a payment application on the user device. The payment application is instead deployed to a processing environment that is outside of any secure element on the user device. The payment application is associated with a certificate and a corresponding hash. The hash is adapted to be generated on the basis of an application expiration date parameter, which is adapted to comprise data indicative of an expiration date of day level granularity associated with the certificate. During processing of the EMV transaction, the point-of-sale terminal verifies the hash, thereby establishing the authenticity of the application expiration date, and hence the validity of the certificate.

Abstract: Method and system for verifying authenticity of specific personal data responsive to a unique wallet address on a public ledger of an unregulated platform. The wallet contains one or more non-transferable NFTs, each locked to the wallet and related to specific personal data. The non-transferable NFT was minted from a regulated platform to which there is a record in the public ledger. Supplying the unique address of the wallet to a service supplier affects a log-in of a client to the service supplier, whereafter message interactions over a network between the service supplier and the unregulated platform permits searching for a relevant non-transferable NFTs stored in the wallet and related to the specific personal data. Return of any relevant non-transferable NFT related to the personal data thus verifies authenticity of the specific personal data by association with a regulated platform.