Abstract: Technologies related to mobile credit payment are disclosed. In an implementation, a first SNEP Get Request Message is generated and sent to a mobile computing device, in response to a NFC signal received from the mobile computing device. A first SNEP Response Message is received from the mobile computing device and parsed to identify an APP public key license. A pre-stored credit authorization public key is used to verify the APP public key license and an APP public key is retrieved from the APP public key license if the verification is successful. A second SNEP Get Request Message is sent to the mobile computing device and a second SNEP Response Message is received from the mobile computing device. The APP public key is then used to decrypt the second SNEP Response Message, and a transaction log is recorded if the second SNEP Response Message is successfully decrypted.

Abstract: Technologies related to mobile credit payment are disclosed. In an implementation, a credit payment request is generated and sent to a user account of a credit payment application (APP) installed on a mobile computing device. A payment response message is then received from the mobile computing device. The payment response message is parsed to identify an APP public key license. A pre-stored credit authorization public key is used to verify the APP public key license and an APP public key is received from the APP public key license if the verification is successful. A payment deduction request is generated and sent to the user account of the credit payment APP. A payment authorization encrypted using asymmetric key encryption is received from the mobile computing device. The APP public key is used to decrypt the payment authorization, and a transaction log is recorded if the second response message is successfully decrypted.

Abstract: Systems and methods for validation of transaction policy compliance are provided. Code is implemented, including a transaction policy compliance check, in a form of a trusted application to be executed in a trusted execution environment (TEE). A secret is attested and provisioned to a trusted application instance in the TEE. The trusted application instance is executed on a client transaction request to generate a policy compliance result. A transaction object is generated, including the policy compliance result and a proof of the execution. The transaction object is proposed to a distributed ledger system. The policy compliance result and a proof of the execution during transaction validation in the distributed ledger system is verified.

Abstract: Technologies related to mobile credit payment are disclosed. In an implementation, a credit payment request is generated and sent to a user account of a credit payment application (APP) installed on a mobile computing device. A payment response message is then received from the mobile computing device. The payment response message is parsed to identify an APP public key license. A pre-stored credit authorization public key is used to verify the APP public key license and an APP public key is received from the APP public key license if the verification is successful. A payment deduction request is generated and sent to the user account of the credit payment APP. A payment authorization encrypted using asymmetric key encryption is received from the mobile computing device. The APP public key is used to decrypt the payment authorization, and a transaction log is recorded if the second response message is successfully decrypted.

Abstract: A method for consumer-initiated transactions with encrypted tokens includes: storing a first cryptographic key pair comprising an account public key and an account private key, a merchant public key, an account token associated with a transaction account, an account identifier, and an issuing institution identifier; receiving transaction data for a proposed payment transaction including a transaction amount; generating a transaction order including the transaction data; generating a cryptographic checksum for the generated transaction order; generating a digital signature over the cryptographic checksum using the account private key; generating a payment token including the issuing institution identifier, the account identifier, the transaction amount, and the account token; encrypting the payment token using the account private key; and transmitting the encrypted payment token and signed cryptographic checksum to a point of sale device.

Abstract: Technologies related to credit payment based on a mobile terminal embedded secure element are disclosed. In an implementation, a payment request is received from a mobile computing device associated with a user account. The payment information including a payment amount is generated based on the payment request. The payment information is then sent to the mobile computing device. A payment authorization encrypted by a private key is received based on asymmetric encryption from the mobile computing device. A public key corresponding to the private key is used to verify the payment authorization, and a transaction log is generated for collecting a payment according to the payment amount if the payment authorization is successfully verified.

Abstract: Methods and systems for using block chain technology to verify transaction data are described herein. A computing platform may receive data about events related to transactions, personal or corporate information, supply chains, and other relevant information about a person or corporate entity. The event information may be received, aggregated, and processed to determine metadata about the person or corporate entity. The metadata may indicate, for example, a trustworthiness of the person or corporate entity for various purposes. Such event information and/or metadata may be stored as transactions in a block chain that may be accessible by counterparties to a potential transaction involving the person or corporate entity. The automated event processing computing platform may further use automated techniques to implement smart transactions between the person/entity and counterparty based on the trust metadata.

Abstract: A system, method, and computer program product provides contextual contracts across various enterprise blockchain applications. In an aspect of the present disclosure, a method is disclosed including receiving a contextual contract for addition to a blockchain. The contextual contract includes at least one state dependent term. The method further includes appending a block to the blockchain based on the received contextual contract and in response to appending the block, activating a ledger sensor for the contextual contract. The ledger sensor is configured to monitor at least one of the blockchain and at least one other blockchain for transactions that correspond to the at least one term. The method further includes receiving from the ledger sensor data about transactions that corresponding to the at least one term and finalizing the contextual contract by appending a block to the blockchain based on the received data and the contextual contract.

Abstract: Methods and systems for using block chain technology to verify transaction data are described herein. A computing platform may receive data about events related to transactions, personal or corporate information, supply chains, and other relevant information about a person or corporate entity. The event information may be received, aggregated, and processed to determine metadata about the person or corporate entity. The metadata may indicate, for example, a trustworthiness of the person or corporate entity for various purposes. Such event information and/or metadata may be stored as transactions in a block chain that may be accessible by counterparties to a potential transaction involving the person or corporate entity. The automated event processing computing platform may further use automated techniques to implement smart transactions between the person/entity and counterparty based on the trust metadata.

Abstract: A system may receive a request for a payment payload for a payment transaction with the request including a token and a transaction amount. The token may identify a transaction account for use in the payment transaction. The system may assess the risk of fraud associated with the transaction account and the payment transaction. The system may return the payment payload in response to a favorable risk assessment. The payment payload may be passed to a merchant and from the merchant to a payment network for evaluation. The payment transaction may be approved or declined based on the contents of received payment payload matching the contents of a generated payment payload.

Abstract: Runtime computer software product management systems that operate in a networked computing environment. A computer database or computer software product configuration/access management system includes a runtime subscription model including a hybrid entitlement-service state model that defines a hybrid state including first or entitlement state data specifying access to the computer software product by the customer and second or service state data specifying permissible customer actions given a pre-determined combination of entitlement state and service state data. Subscription model state changes may be executed in runtime in response to events published by an event generation system and processed by the configuration/access management system, and modifications to the hybrid state are communicated to an access control system. The access control system responds to customer requests based at least in part upon the received hybrid state data.

Abstract: A rolling electronic payment reservation and reservation system is provided. In aspects, reservations and payment capture for different items on a credit card (or other payment instrument) are split based on the type of item, and rolling, multiple credit reservations are made for different items on the same, single order.

Abstract: A cryptowallet includes a microcontroller configured to communicate with a cryptowallet application running on a host; a touch display connected to the microcontroller and used to input a PIN code and a mnemonic seed for the cryptowallet for each cryptocurrency, and to output a destination address for a transaction and the mnemonic seed; a secure cryptoprocessor having storage and cryptographic logic. The storage stores a file system representing multiple cryptocurrencies. The file system is a tree that stores a private key for each cryptocurrency. The cryptowallet application is configured to communicate with a cryptocurrency network communication component, for carrying out transactions using the cryptocurrencies, that are authorized by using the private key upon providing the PIN code and the destination address of the transaction to the cryptoprocessor. The cryptographic logic implements cryptographic functions required by the cryptocurrencies.

Abstract: A method of operating a distributed peer to peer analytics system of a permissioned distributed ledger is provided. The system includes a plurality of node computing devices in operable communication with each other over an electronic network. The method includes capturing, by a merchant computing device, sales data from a payment transaction, storing the captured sales data in a database of a first node, compiling within the first node the stored sales data into a transaction envelope, encrypting the transaction envelope with a private key of the first node, submitting, by the first node, the encrypted envelope to the permissioned distributed ledger, verifying, by a second node, the submitted encrypted envelope and adding the compiled sales data to a data block, committing, by the second node, the data block to the distributed ledger, and validating, by a consensus of the plurality of node computing devices, the committed data block.

Abstract: A system for providing a large set of data resources for nearly any client with a centralized collection of historical data, and a server through which changing datasets located on provider networks may be accessed through the system without having to upload them to the system. The system providers a marketplace for buying and selling of data, optionally including blockchain technology to allow for secure and/or anonymous transactions.