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.

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: Examples described herein include conducting secure financial transactions in the metaverse using digital avatars. This is done by creating a payment avatar in the metaverse by inculcating a transaction's intent and displaying transaction packet data on one or more virtual billboards in a transaction route. The payment avatar can travel from the sender to the receiver's location on the metaverse platform and capture the transaction packet data from the one or more billboards using the one or more decryption keys. In this manner, funds can be securely transferred in the metaverse by preventing unauthorized access to the transaction packet data.

Abstract: Systems and methods for expediting math-based currency (“MBC”) transactions. One method includes receiving a request for a pending MBC transaction, the request include an MBC address of a first party, an MBC address of a second party, and an amount of MBC to be transferred and determining a balance of MBC associated with the MBC address of the first party based on accessing a listing of address balances. Further the method includes in response to determining a threshold likelihood of success of confirming the pending MBC transaction, generating and formatting a guarantee identifier and embedding a copy of the guarantee identifier in a field of the pending MBC transaction. Further the method includes transmitting the guarantee identifier and transferring the amount of MBC from the MBC address of the first party to the MBC address of the second party based on verifying the pending MBC transaction.

Abstract: Various embodiments of the present disclosure provide techniques for modifying a value of a credential-less exchange in near real time using a plurality of identifier mappings, member interfaces, and exchange modifiers. The techniques may include receiving an exchange request for executing a value-based exchange that is indicative of a universally unique ephemeral key (UUEK) and one or more request attributes. The techniques include identifying an exchange data object based on the UUEK and identifying a user exchange modifier for the exchange request based on the exchange data object and the request attributes. The techniques include generating a modified exchange value for the exchange request based on the user exchange modifier and providing an exchange authorization request to a member platform with the modified exchange value.

Abstract: The present disclosure discloses a method for a UWB-based payment service. A method of a first electronic device using UWB communication, of the present disclosure, may comprise the operations of: receiving, from a second electronic device, an initiation message for UWB ranging, which includes a random number generated by means of the second electronic device, transmitting, to the second electronic device, a response message to the initiation message, which includes identification information about the first electronic device encrypted using a session key generated on the basis of the random number, receiving, from the second electronic device, a transaction information message including request type information indicating the type of request associated with a payment, and transmitting, to the second electronic device, a payment information message including response data based on the request type information.

Abstract: Methods that control use, trace ownership and authenticity of digital assets and/or brandmarks in a metaverse environment. The methods involve obtaining a first set of control properties associated with a digital asset and a second set of control properties associated with a brandmark. The first set of control properties define first usage rules for rendering the digital asset in the metaverse environment in which a user is immersed into a virtual environment and the second set of control properties define second usage rules for rendering the brandmark in the metaverse environment. The methods further involve determining whether the digital asset is compatible with the brandmark based on the first set of control properties and the second set of control properties and rendering the digital asset with the brandmark in the metaverse environment based on determining that the digital asset is compatible with the brandmark.

Abstract: This document describes techniques for performing dynamic transfer operations based on a blockchain ledger without needing to perform computationally expensive cryptographic hash reversal operations. In some cases, an example system stores a hashed identifier on a blockchain ledger, along with one or more ledger values like an account balance value and/or a payout amount value. The example system may store un-hashed sensitive backend data on a private backend database. When the example system receives an event notification, the system extracts an identifier from the notification, hashes the identifier, and uses the hashed identifier to retrieve the blockchain ledger. The system then determines whether the ledger value(s) satisfy a condition. If so, the system uses the hashed identifier stored on the blockchain ledger to query the backend database for an account identifier, maps the account identifier to a blockchain wallet, and executes a blockchain transfer operation to the blockchain wallet.

Abstract: A system for sharing a distributed revocation list on a blockchain includes circuitry that identifies an access attempt by a wallet on a first blockchain network, and adds the wallet to a blacklist. The blacklist identifies the wallet as suspicious. The circuitry generates a soulbound token, and airdrops the soulbound token into the wallet. The soulbound token identifies that the wallet belongs to the distributed revocation list and identifies the wallet as a suspicious wallet to blockchain networks.

Abstract: Disclosed are examples of systems, apparatus, devices, computer program products, and methods implementing aspects of a decentralized content fabric. In some implementations, one or more processors are configured to provide fabric nodes of a network, including a first fabric node receiving a client request to perform one or more actions with respect to digital content corresponding to a plurality of content object parts maintained in the network. A lookup is performed on a blockchain ledger in a first blockchain to locate a digital instrument cryptographically linked to a user identifier (ID) of an owner of the digital content. The first fabric node grants the client request based on determining that a user ID associated with the client request matches the user ID of the owner of the digital content. The one or more actions are then performed through a blockchain transaction in the first blockchain or another blockchain.