Abstract: Examples predict changes in risk scores in cryptocurrency transactions between potential transacting parties. The system identifies a tentative transaction between the sender and receiver on a cryptocurrency blockchain. The system builds a receiver transaction tree based on cryptocurrency transactions already recorded in the blockchain. The system also similarly builds a sender transaction tree. The system calculates a current risk score of the sender party based on the second transaction tree. The system builds a third transaction tree by adding the first transaction tree into the second transaction tree, thereby simulating the sender party as having transacted with the receiver party. The system then calculates a predicted risk score of the sender party based on the third transaction tree and transmits one or more of the predicted risk score and a change in risk score to the sender party.

Abstract: A privacy-preserving process for communicating over a decentralized peer-to-peer network is described in which a user device receives a digitally signed temporary user ID from an identification service, and initiates a transaction with an online content provider using the digitally signed temporary user ID and cryptographically encrypted user payment information. The user device receives data from the content distributor in response to the content distributor receiving a first indication of payment for the transaction from a payment service. In this method, the first indication of payment for the transaction to the content distributor was to have been transmitted by the payment service device in response to: the payment service device receiving the temporary user ID and linking the temporary user ID to the user information; and the payment service receiving a second indication of payment based on the user information.

Abstract: A method to enable transactions comprising transmitting, by a vendor server, a request message to the e-commerce system for a token. Receiving a token in response to the request message. Generating an offer message including a mailto hyperlink, wherein the offer message is an email message including a mailto hyperlink is configured to generate an email reply message include the token. Transmitting the offer message to an email address associated with the customer. Receiving a response message from the e-commerce system, the response message including transaction details that confirm the token was validated by the e-commerce system. Transmitting a payment processing request message to a payment processor, wherein the payment processing request is based on the transaction details. Receiving a notification from the payment processor, that payment processing has been completed. Transmitting an email message to the email address of the customer, that payment has been processed.

Abstract: A digital wallet of a user may be associated with a unique digital wallet language that is stored on a user device. When the user device receives a request at the user device to establish a digital wallet, a unique digital wallet language can be generated at the user device. The unique digital wallet language can be used to conduct internal transactions within the digital wallet, while external transactions of the digital wallet use a different language than the unique digital wallet language.

Abstract: Systems and methods for integrated, license-tiered digital rights management (DRM) of three-dimensional (3D) assets. A packaging module generates multiple fidelity tiers linked by a cryptographic tier-map manifest, while a license service issues entitlements specifying permitted tiers, validity periods, and revocation epochs. Runtime adapters integrated into engines such as Unity, Unreal, and WebGL validate entitlements and enforce deterministic fidelity transitions at frame boundaries, operating independently of performance-based level-of-detail (LOD) systems. An integrated adversarial-protection and fingerprinting subsystem applies imperceptible perturbations and error-corrected identifiers that resist machine-learning model extraction and persist through compression or transformation. A monitoring module provides anomaly detection, adaptive protection updates, and telemetry for royalty tracking.

Abstract: A method includes receiving an indication from a user regarding a transaction; automatically selecting, based on a user-defined parameter and the indication from the user, a first account of the user for the transaction; determining that the transaction causes a value of the first account to decrease below a user-defined value. The method includes generating, based on the determination, a screen display including a link associated with a second account of the user; providing, by the computer system, the screen display to a mobile device of the user; receiving a selection of the link associated with the second account. The method includes facilitating, based on receiving the selection of the link, a transfer of an amount of funds from the second account to the first account; and facilitating, based on the transfer of the amount funds from the second account to the first account, the transaction.

Abstract: The present disclosure provides a communication network node for providing data to a distributed ledger, wherein the node has circuitry configured to provide a special condition for a smart contract, and verify whether the special condition is met.

Abstract: A cross-chain transaction processing method and apparatus, an electronic device, and a storage medium are provided, which belong to the field of blockchain technologies. The method includes: receiving a cross-chain transaction request of a terminal; running a first service contract on a first blockchain based on the cross-chain transaction request; executing, on the first blockchain through the first service contract, a first transaction event of a cross-chain transaction, running a first cross-chain contract on the first blockchain, and determining to execute, on a second blockchain, a second transaction event of the cross-chain transaction; storing first cross-chain transaction data to the first blockchain through the first service contract; obtaining second cross-chain transaction data from the second blockchain; and sending a transaction completion response to the terminal through the first service contract and the first cross-chain contract.

Abstract: A system and method for verifying account ownership using verified deposits. An ACH verification platform may recognize or detect a verification process involving micro deposits. A verification platform may receive and store user login, initiate the deposits, and monitor the user's account to verify that posting of the deposits was successful. In embodiments, a dedicated web form or portal may be provided for receiving verification information.

Abstract: Systems, methods, apparatuses, and computer-readable media for server-side redirect of uniform resource locators (URLs) generated by contactless cards. In one aspect, a server may receive, from a client, a first request comprising a uniform resource locator (URL), where parameters of the URL include a cryptogram and a customer identifier of an account associated with the contactless card. The server may decrypt the cryptogram and determine a context of the account based on one or more attributes of the account. The server may select, based on the decryption of the cryptogram and the determined context, a first redirect URL of a plurality of redirect URLs. The server may transmit, to the client, a response including the redirect URL. The server may receive, from the client, a second request including the redirect URL. The server may transmit, to the client, a response including a resource at the redirect URL.

Abstract: A system and/or method may be provided to silently authenticate a user. An example method of silently authenticating a user includes receiving a request to complete a transaction associated with a merchant application. The request includes a data file including an identifier from the user device. The request is from a user device. The method also includes determining whether the data file includes a refresh token and determining whether the refresh token is valid if the data file includes the refresh token. The method further includes receiving an access token from the user device if the refresh token is valid. The access token includes an authorization scope. The method also includes determining whether the transaction is within the authorization scope. The method further includes authenticating a user if the transaction is within the authorization scope.

Abstract: Techniques for generating and maintaining a student academic ledger are disclosed. In some embodiments, student data is received from a first set of one or more members of a blockchain network. In response, one or more distributed ledgers are updated in the blockchain network. The distributed ledgers are accessible to a student member of the blockchain network using a private key. The blockchain network receives requests from the student member to initiate a transaction with a second set of one or more members that requires access to at least a subset of the student data. Responsive to the request, the second set of one or more members are granted access to at least the subset of the student data from at least one distributed ledger.

Abstract: A “hierarchical symmetric key distribution” method, system, and apparatus (“HKDS”) is provided for a scalable and fundamentally secure solution for a security protocol for financial transactions, including the electronic payment industry. The security protocol can be used in conjunction with various message authentication code generators and extended output functions to derive unique symmetric keys which can be used to protect messaging and communications in the financial services industry. The security protocol, for example, provide a distributed key management protocol that generates unique transaction keys from a base terminal key, such that the terminal does not retain information that could be used to reconstruct the key once the transaction has been completed, the capture of the terminals state does not provide enough information to construct future derived keys, and the server can reconstruct the transaction key using a bonded number of cryptographic operations.

Abstract: In aspects of location based transaction authentication, a mobile device includes a location service to determine a device location of the mobile device. The mobile device also implements a transaction authentication manager that can receive a transaction location of a transaction associated with an account of a user of the mobile device, and compare the device location of the mobile device to the transaction location of the transaction. The transaction authentication manager can also receive a one time password that is masked in response to determining that the device location does not match the transaction location, and reveal the one time password in response to receiving an input on the mobile device to authenticate the transaction.

Abstract: A DLT-based private business hub system and method for implementing a chat platform for exchanging and monetizing chat sessions. A blockchain-based private business bub system is provided comprising a blockchain-based paychat platform that facilitates various chat exchanges and the monetization thereof. The chat exchanges occur across a chat room platform delivered and enabled by the DLT-based private business hub system and paychat platform application that facilitate the exchange and monetization of paychat sessions using specifically configured electronic business cards for each paychat session type as triggering mechanisms.

Abstract: A mobile voting system and method are provided. The mobile voting system may include a mobile messaging aggregator configured to receive voter verification requests from one or more mobile carriers, and a mobile voter verification server configured to verify a voter's identity in response to a voter verification request and generate a link to a mobile ballot once the voter's identity has been verified. The mobile messaging aggregator may cause the link to the mobile ballot to be transmitted to a mobile device of the voter, which when selected by the voter, allows the voter to cast a vote.

Abstract: A computing platform may be installed with software technology for generating anonymized test check data that configures the computing platform to: (i) determine a set of possible code paths encoded within a software application associated with check processing; (ii) based on the determined set of possible code paths and a set of electronic check records for individual checks, determine a subset of electronic check records from the set of electronic check records to be used for testing the software application; and (iii) anonymize the subset of electronic check records to be used for testing the software application by, for each respective electronic check record in the subset of electronic check records, modifying the respective electronic check record and thereby producing a respective anonymized check record for the respective electronic check record.

Abstract: Access to digital assets when a private key is lost or unavailable is disclosed. A digital wallet may store a digital asset and a smart contract. When conditions of the smart contract are satisfied, the digital asset is automatically transferred to a new digital wallet that is associated with a new digital key. A user may acquire the new digital key and access the digital assets now stored in the new digital wallet.

Abstract: Aspects of the disclosure relate to methods, systems, and apparatuses for improving speed of transaction processing in payment systems using a proof of cache system. The proof of cache system may be used to validate transactions using cached keys stored on Directed Acyclic Graph (DAG) nodes that are available. The cached keys may be encrypted using Argon2d cryptographic hashing.

Abstract: An authentication system may receive an authentication MAC, an integrity MAC, and data transmitted from a payment application and a payment terminal. A local integrity MAC may be generated using the data as an input to a first cryptographic operation. The system may compare the local integrity MAC to the received integrity MAC to authenticate the received integrity MAC. A local authentication MAC may be generated using a second cryptographic operation and compare the local authentication MAC to the received authentication MAC. The system may authenticate the payment application in response to a successful authentication of at least one of the received authentication MAC or the received integrity MAC.