Abstract: Systems and methods for providing a decentralized anti-counterfeit solution for supply chain tracking are disclosed. Exemplary implementations may: electronically store a product identifier that identifies a physical product; generate a secret code that is packaged with the physical product in a tamper-evident manner; generate a one-way encrypted code based on the secret code and the product identifier; create an asset that includes code executable by a decentralized database; record the asset on a decentralized database; record the one-way encrypted code in the asset; receive a request for verification regarding a given physical product; generate a given one-way encrypted code based on the request; determine whether the given one-way encrypted code is a match of the one-way encrypted code as recorded in the asset; responsive to a match, return a notification to the given user and remove the one-way encrypted code from the asset.

Abstract: Embodiments described herein are related to systems and methods for executing randomized event sessions using non-fungible tokens (NFTs). In one aspect, a computer receives token identifiers corresponding to NFTs of a blockchain from one or more client devices. The computer may receive a request to initiate a randomized event session from a session client device. The computer may select a non-fungible token of the NFTs for the randomized event session according to a randomization algorithm configured to randomly identify a token identifier from the token identifiers. The computer may determine, a first award value for the randomized event, based on a value assigned to the non-fungible token, and a second award value based upon a fraction of the first award value. The computer may generate a first award notification indicating the first award value for a first user associated with a first session client device.

Abstract: The invention relates to the fields of tokenisation, blockchain and smart contract technologies. It provides a technical arrangement which simplifies the automated management of contracts. The invention comprises a method and system which use a computer-based repository for storage of the contract. The contract is then represented by a transaction on the blockchain. Metadata within the transaction's script includes a hash of the contract and a means of identifying its location within the repository. The transaction also includes an unspent output (UTXO) which indicates its status as an open (ie not terminated) contract. The contract is terminated by spending the output at a later point in time, for example, using nLockTime+CheckLockTimeVerify (CLTV). By combining this concept with other techniques and computing components, the invention can provide a powerful mechanism for implementing various tasks such as renewing or rolling over the contract, or dividing it into sub-contracts or conditions.

Abstract: This application relates to apparatus and methods for identifying fraudulent transactions. A computing device receives return data identifying the return of at least one item. The computing device obtains modified strategy data identifying at least one rule of a modified strategy. The rule may be based on the application of at least one dimensionality reduction algorithm to an initial strategy. The computing device applies the modified strategy to the received return data identifying the return of the at least one item, and determines whether the return of the at least one item is fraudulent based on the application of the modified strategy. The computing device generates fraud data identifying whether the return of the at least one item is fraudulent based on the determination, and may transmit the fraud data to another computing device to indicate whether the return is fraudulent.

Abstract: An apparatus for cryptographic resource transfer based on quantitative assessment regarding non-fungible tokens is presented. The apparatus includes at least a processor and a memory communicatively connected to the at least a processor containing instructions configuring the at least a processor to receive a user profile representing a user and an associated cryptographic security, a user digest, and a temporal resource request. The at least a processor is configured to determine a predictive quantifier of the user profile, identify a resource-backed entity to the user as a function of the predictive quantifier, wherein the resource-backed entity includes a cryptographic resource, and generate a token entry. The token entry includes a conditional trigger configured to enable a cryptographic transfer of the cryptographic security and the cryptographic resource, wherein the token entry is configured to be deployed on an immutable sequential listing.

Abstract: Techniques are described for linked blockchains that allow computing devices to access information from an acceptance blockchain about acceptance reports stored in an enterprise delivery blockchain that are also linked to a product blockchain that stores information of the products of the acceptance reports. An acceptance report is indicative of operability of a product in a service provided by a service provider. A processor is configured to access the block in the enterprise delivery blockchain, retrieve the acceptance report from the block in the enterprise delivery blockchain, determine an identifier, identified in the block in the enterprise delivery blockchain, to a block in an acceptance blockchain, access the block in the acceptance blockchain via the determined identifier, retrieve from the block in the acceptance blockchain contextual information of the acceptance report, and output the acceptance report and contextual information of the acceptance report.

Abstract: A computer-implemented platform (1000) for conducting an electronic payment transaction between a user (104) and a merchant (102, 103) is provided. The platform (104) includes a computer system (100) configured for the generation of a data structure containing payment data; a mobile device (106, 800) associated with a user (104) configured to use the data structure generated by the computer system (100) to communicate an electronic message reflecting payment instructions; and a merchant or processing terminal (102, 103, 108) configured for communication with the mobile device (106) to receive the electronic message, and formulate a request to process the electronic payment transaction. Corresponding methods and computer-readable media are also provided.

Abstract: Examples in this application disclose information sharing methods, media, and systems. One example computer-implemented method includes receiving, by a trusted execution environment (TEE), a first sharing request from a first institution and a second sharing request from a second institution, where the first sharing request comprises a user identity of a first user and first anti-money laundering (AML) risk information and the second sharing request comprises a user identity of a second user and second AML risk information, comparing the user identity of the first user with the user identity of the second user, in response to that the user identity of the first user is the same as the user identity of the second user, combining the first AML risk information and the second AML risk information, and sending the combined first AML risk information and second AML risk information to the first institution and the second institution.

Abstract: A facility for cryptographically securing booster packs using tear transactions is described.

Abstract: A method for using shareable and nested transaction on hash chains includes storing transaction data of a transaction of a hash chain. A lock block is appended to the hash chain. Appending the lock block includes setting a tail block identifier of the hash chain from a preceding tail block of a preceding transaction to the lock block. A data block is appended to the hash chain. Appending the data block includes setting the tail block identifier of the hash chain to the data block. The method further includes removing the transaction data from the transaction without invalidating the hash chain. The method further includes appending an updated data block to the hash chain to update the transaction with updated transaction data.

Abstract: A cardholder authentication computing device for authenticating user computing devices during online payment transactions are provided. The cardholder authentication computing device leverages pre-authentication of a user by a private network to facilitate authentication of a user in the context of an online payment transaction between the user and a merchant. During the course of an online payment transaction, the cardholder authentication computing device may receive an authentication request messages containing pre-authentication data from a merchant computing device. The cardholder authentication computing device then authenticates the user based, in part, on the pre-authentication data. In certain embodiments, the cardholder authentication computing device may also determine whether one or more partner services apply to transactions between the user and the merchant based on the user's affiliation with the organization.

Abstract: Described herein are techniques and systems directed to using context data provided by supplemental devices to reduce false declines during transaction authorization. In some embodiments, upon a transaction being declined based on a level of risk associated with the transaction, a service provider may obtain context data from a number of supplemental devices associated with a user, resource provider, location, or other suitable factor. This context data may then be assessed by the service provider to determine a degree to which the context data supports that the user conducting the transaction is the owner of the account used to conduct the transaction. The level of risk may then be adjusted based on that degree and the adjusted level of risk is used to determine whether to approve or decline the transaction.

Abstract: Systems and methods are disclosed for movement-based signature authentication. One method comprises determining one or more features associated with a user based on one or more two-dimensional images and determining one or more body points associated with the user based on one or more three-dimensional images. A movement pattern of each body point of the user is determined based on the one or more three-dimensional images. The one or more determined features are compared to corresponding one or more stored features associated with the user. If the one or more detected features match the one or more stored features, the one or more determined movement patterns are compared to a unique electronic signature associated with the user. Upon determining that the one or more determined movement patterns match the unique electronic signature, the user is authenticated for electronic transaction.

Abstract: A method for generation of an application cryptogram for use in a payment transaction includes: storing, in a first memory, a single use key associated with a transaction account; electronically transmitting the single use key to a processing server; receiving an encrypted session key and a server encryption key from the processing server; executing a first query to store the encrypted session key in the first memory and a second query to store the server encryption key in a second memory; decrypting the encrypted session key using the server encryption key; generating an application cryptogram based on the decrypted session key; and electronically transmitting the generated application cryptogram for use in a payment transaction.

Abstract: Systems and methods are provided for processing global CBDC transactions in a blockchain supported network, where domestic and foreign banking institutions may provide mutual hosting of a consortium blockchain to allow more seamless and direct CBDC supported transactions, and CBDC exchanges in real-time or near-real time.

Abstract: Systems, methods, and computer-readable storage media for authenticating mail and preventing contraband from entering detention facilities. An exemplary system can receive, from a known user, a letter directed to an incarcerated individual and store, via a processor, a digital copy of the letter in a database. The system can then print a physical copy of the letter, where the physical copy has at least one of a QR code or a barcode on an exterior of the physical copy, and mail the physical copy to a detention center holding the incarcerated individual. Finally, the system can receive, at the processor and from a staff member of the detention center, a request to digitally screen the physical copy by digitally accessing the digital copy in the database, and transmit, via the processor, the digital copy to the staff member.

Abstract: In some examples, a system renders, in a user interface, data fields of an interface code, the interface code to input or output the data fields in a transaction, and receives a selection, made in the user interface, of a first data field from among the data fields of the interface code. The system modifies the interface code by adding an indicator associated with the first data field, the indicator specifying anonymization of the first data field during the transaction that uses the first data field, the modifying of the interface code producing a modified interface code.

Abstract: Devices, systems, and methods are provided for performing secured analytics using encrypted data. The method may include receiving first data and second data, the first data and the second data being homomorphically encrypted, the first data associated with a first type of data, and the second data associated with a second type of data. The method may include retrieving third data associated with the first type of data, and retrieving fourth data associated with the second type of data. The method may include determining a first proximity between the first data and the third data, and determining a second proximity between the second data and the fourth data. The method may include determining, based on the first proximity and the second proximity, a risk score, and determining, based on the risk score, a fraudulent action associated with the first data and the second data.

Abstract: A computer-implemented method to validate a block at a node within a network of nodes implementing a blockchain conforming to a blockchain protocol. This may be the Bitcoin protocol or an alternative. The method includes determining, serially, that each unspent transaction output referenced as an input in each of the plurality of transactions is unique and, based on that determination allocating each transaction in the plurality of transactions to one of two or more parallel processors, and verifying, in parallel, by the two or more parallel processors, that the transactions in the plurality of transactions comply with transaction-level validation criteria. The node also determines that the block meets block-level validation criteria. If the transactions comply with transaction-level validation criteria and the block complies with block-level validation criteria, the block is deemed valid and the node forwards the block to one or more peer nodes in the network.

Abstract: Methods and systems of managing payment cards are disclosed. A financial institution computing system includes a token database storing a plurality of tokens and token information, a network interface circuit enabling the financial institution computing system to exchange information over a network; and a token management circuit. The token management circuit enables a graphical user interface on a customer device over the network that can be used to generate new token requests, re-provision token requests, and management requests. The management requests enable and disable tokens, such that transactions against a payment card account using an enabled token are completed, and transactions against the payment card account using a disabled token are denied.