Abstract: Embodiments described herein provide approaches for processing a payment in an electronic commerce environment. Specifically, a customer of a merchant website in the electronic commerce environment is provided a universal payment interface in response to the customer's request to pay. The universal payment interface retrieves a proprietary token from the customer. This proprietary token is a mobile device-based token that is provided by a provider associated with the mobile device. The universal payment interface requests a determination from the provider as to whether the proprietary token is valid, and the payment is verified based on the determination from the provider.

Abstract: Various aspects of the subject technology relate to systems, methods, and machine-readable media for bridging native tokens. Various aspects may include initializing a first blockchain by allocating a plurality of native tokens. Aspects may also include transferring, using a bridge, one or more transactions from a second blockchain to the first blockchain using locked tokens on the second blockchain as collateral. Aspects may also include minting new native tokens at the first blockchain when a value of transactions sum to the plurality of native tokens and the plurality of native tokens are backed by the locked tokens. Aspects may also include reporting, to the second blockchain, the amount of tokens used for the transaction fees in the one or more transactions. Aspects may also include burning, at the second blockchain, tokens corresponding to the amount of tokens used for paying transaction fees.

Abstract: A method of generating a blockchain transaction comprising: generating a transaction comprising a locking script comprising a first shared hash value (HV) generated by applying a hash function (HF) to a second shared HV, wherein the second shared HV is generated by applying a HF to a combination of the respective public keys, and wherein the locking script is configured to require an unlocking script to comprise a target public key, a target signature, and an intermediate HV generated based on all but one of the respective public keys, apply the HF to the target public key to generate a target HV, combine the target HV and the intermediate HV to generate a target second shared HV, apply the HF to the target second shared HV to generate a target first shared HV, an verify that the target first HV matches the first shared HV, and verify the target signature.

Abstract: A toll advertisement message (TAM) broadcast from a roadside unit of a roadway is received. The TAM may include a public key of a toll charger cloud. Responsive to receipt of the TAM, a tolling usage message (TUM) is sent. The TUM may include information encrypted with a public key of a toll service provider, information encrypted with the public key of the toll charger cloud, and a public key of the telematics control unit. Responsive to broadcast of the TUM, a toll usage message acknowledgement (TUM-ACK message. A toll receipt message (TRM) is also received. The TRM is encrypted with the public key of the telematics control unit. The TRM is decrypted using a private key of the telematics control unit corresponding to the public key of the telematics control unit.

Abstract: A method and hardware wallet to securely signing a transaction. This includes the hardware wallet receiving, from a host application of a host device, an unsigned transaction and a coin seed associated with a cryptocurrency coin of the unsigned transaction. The hardware wallet generates a private key based on: a root seed stored in the storage medium of the hardware wallet; and the received coin seed. The hardware wallet cryptographically signs the unsigned transaction with the generated private key to generate a signed transaction and sends the signed transaction to the host device.

Abstract: Techniques described herein relate to generating and issuing digital credentials within a credentialing environment, including storing digital credentials with associated sensor data collected via a sensor-monitored environment. Digital credential generation systems may include sensor-based monitoring or detection systems, along with digital credential generation and issuing components. During an evaluation of a credential receiver, and generation/issuance of digital credentials to the receiver, the receiver may be monitored using various sensors. The digital credential generation system may determine and store the relevant sensor data in a digital credential storage repository associated with the particular credential receiver. The associated sensor data may serve as authentication data and/or evidence of the completion of the credential criteria by the receiver.

Abstract: A method for facilitating a payment transaction between incompatible and unconnected payment networks includes: receiving, by a receiver of a processing server, a transaction request from a first computing device, the transaction request including at least a first payment network identifier and a second payment network identifier; identifying, by a processor of the processing server, a first network profile associated with a first payment network based on the first payment network identifier and a second network profile associated with a second payment network based on the second payment network identifier; determining, by the processor of the processing server, one or more incremental data values required for the second payment network based on a comparison of the first network profile with the second network profile; and transmitting, by a transmitter of the processing server, the one or more incremental data values to the first computing device.

Abstract: A method for enabling the use of blockchain smart contracts as part of a traditional payment transaction includes: receiving, by a receiver of a processing server, a transaction message for a payment transaction, wherein the transaction message is formatted according to one or more standards and includes a plurality of data elements storing transaction data, the transaction data including at least a bank identification value; determining, by a processor of the processing server, a routing plan for the transaction message based on at least the bank identification value; and transmitting, by a transmitter of the processing server, the transaction message to (i) a first computing system using a first communication port of the processing server, and (ii) a second computing system using a second communication port of the processing server, based on the determined routing plan.

Abstract: A method of using a processing computer comprising a memory comprising a hash index table and an array index table is disclosed. The method includes receiving an initial request message comprising a plurality of data fields with data elements for a transaction, and creating service request messages, where each service request message comprises a transaction key and data elements. The method includes transmitting the service request messages to server computers, which process them and generate service response messages, each service response message having the transaction key and response data. The method includes receiving the service response messages. The method includes for each of the service response messages: accessing the hash index table and determining a row address identifier for a row in the array index table based on the transaction key, and accessing data in the row of the array index table associated with the row address identifier.

Abstract: A system, and method perform compliance checking of computer records for MLS services. The compliance checking includes detecting multiple-listing-service (MLS) contract compliance with a MLS, gathering MLS-related data regarding an MLS subscriber from at least one database, checking for a non-compliance incident of the MLS-related data with the MLS service requirements, and in response to detection of a non-compliance incident, trigger a computer-based resolution process to resolve the non-compliance incident.

Abstract: An elastic body is attached to a percussion instrument including a body part and a head, the body part having an opening on an upper end side thereof, the head covering the opening of the body part and having attachment holes formed therein. The elastic body includes: a struck part, arranged on an upper surface of the head; insertion parts, protruding downward from the struck part; and a hook part, formed to expand from the insertion parts. In a state in which the insertion parts are inserted into the attachment holes of the head, the hook part is hooked to a lower surface of the head.

Abstract: The present disclosure relates to a method and a tokenization server for generating and transmitting tokenized card information to a token requestor. In some non-limiting embodiments or aspects, the method includes receiving, from the token requestor, a request for a token corresponding to a payment card. The token may include a plurality of characters. Further, the method includes generating a token key corresponding to the token based on location information associated with a plurality of files stored in a user device. Subsequently, the method includes transmitting the token key, including location information within the plurality of files in the user device, to the token requestor. Here, the location information may include a location embedded with a character of the plurality of characters of the token. Thus, the present disclosure provides a secure method of generating, storing, and transmitting the tokenized card information.

Abstract: The present invention relates to a system for transfer of fund from a user to an entity. The user may be associated with a user computing device and the entity may be associated with an entity device. The entity device may include a secure element embedded within the entity device such that the secure element may enable short range communication with the user computing device or physical card for a secure and contactless fund transfer. The system may include a simple and convenient mode of the contactless fund transfer such as, for example, a tap-to-x transaction model, tap-to-pay for fund transfer, and tap-to-go for transit/access. Each operation pertaining to the fund transfer may be processed through the entity device that ultimately connects to a service provider. The secure element enables the fund transfer to be secure, authentic and confidential.

Abstract: In a first aspect, the present disclosure proposes methods, devices and systems for implementing a payment service for enabling transactions associated with a client to be written into, or stored in a distributed ledger, i.e. a blockchain. The payment service is implemented as an API to which one or more clients have access to processing digital asset payments pertaining to a respective client. In a first aspect includes obtaining mining fee quotes from a plurality of miners for a client and processing a request for submitting a transaction to the blockchain based on a selected fee quote. In a second aspect, the present disclosure proposes methods, devices and systems for requesting a transaction associated with a digital asset payment to be mined in a blockchain, based on a digital asset payment between a client (payer) and a customer (payee) of the client.

Abstract: A method comprising: instructing the creation of a plurality of first cryptographic tokens representing digital assets with at least one attribute configured to evolve over time; receiving a request to lock the evolution of the digital asset corresponding to the cryptographic token; in response to the received request, generating a second cryptographic token having at least one attribute derived from the evolutionary state of the digital asset at the time the request to lock was received; instructing the transfer of the second cryptographic token to a digital wallet or account of the token holder.

Abstract: A computer-implemented method of using blockchain transactions to issue one or more single-uses tokens for use by one or more respective token redeemers, wherein the method is performed by a token issuer and comprises: generating a token transaction, wherein the token transaction comprises: one or more token outputs, wherein each token output comprises token data representing a respective single-use token, wherein each single-use token is associated with a respective spendable output of the token transaction, and wherein a respective validity of each single-use token is conditional on the respective spendable output being present in an unspent transaction output set of a blockchain; and one or more inputs, wherein at least a first one of the inputs comprises a signature linked to a first public key of the token issuer; and transmitting the token transaction to one or more nodes of a blockchain network to be recorded in the blockchain.

Abstract: The present disclosure provides a description of exemplary systems and methods for superseding pending transactions in a distributed ledger. The methods and systems may include a processor which may receive a first transaction associated with a digital asset in a memory pool of a distributed ledger network, the first transaction having a first priority. The processor may receive a second transaction associated with the digital asset in the memory pool of the distributed ledger network, the second transaction having a second priority. The processor may analyze the first priority of the first transaction and the second priority of the second transaction to determine a higher priority. In response to determining that the first priority of the first transaction is less than the second priority of the second transaction, the processor may validate the second transaction having the second priority.

Abstract: Systems and methods for managing and operating secure cryptocurrency or digital currency devices that mimics traditional open loop gift card aesthetics and capabilities, with significant additional capabilities that give them the benefits of cash while still being able to store and receive varying amounts of funds in a single physical instance.

Abstract: There is provided a method, system and computer readable medium for authorising a transaction over a communication channel. An association between at least one authentication factor for an entity and a specified communication channel having an endpoint accessible to the entity is stored. A message from a communications module of the computer system is sent over the specified communication channel to the endpoint including or updated with indicia indicating that authentication is required. Information for comparison with the at least one authentication factor for the entity associated with the specified communication channel is received at the computer system. The transaction is authorised if the stored at least one authentication factor for the entity associated with the specified communications channel matches the information provided from the endpoint.

Abstract: Systems and methods for transaction platforms include various systems interacting with each other and transacting in various ways. A method for configuring and launching a marketplace includes: identifying, by a processing system having one or more processors, an opportunity to facilitate configuration of a new marketplace; receiving marketplace opportunity data, wherein the marketplace opportunity data includes information related to a set of assets of one or more types; determining configuration parameters to be implemented in the new marketplace; determining the feasibility of implementing the configuration parameters in the new marketplace; determining data resources to support the new marketplace; determining an architecture of the new marketplace; determining the configuration of the data resources in a data model for the marketplace; configuring a marketplace object; connecting selected data resources to populate the marketplace object; and launching the new marketplace.