Abstract: Novel technical ways of analyzing a blockchain system using machine learning are presented, including structures and techniques that can facilitate blockchain address risk assessment via graph analysis. In various embodiments, a system can access a blockchain. The system can build a transaction graph based on analysis of the blockchain. Nodes of the transaction graph can respectively represent blockchain addresses that are recorded in the blockchain. In various cases, edges in the transaction graph can respectively represent blockchain transactions between different ones of the blockchain addresses that are recorded in the blockchain. The system can calculate risk scores respectively corresponding to the blockchain addresses, based on analyzing the transaction graph via at least one machine learning algorithm. These techniques can improve computer operational efficiency by avoiding the execution of unnecessary blockchain transactions.

Abstract: Systems and methods to at least provide access control for execution of smart contract functions (methods) through consensus mechanisms are disclosed. A first smart contract is stored on a blockchain network. During execution, the first smart contract performs operations that include: aggregating a threshold number of signed blockchain transactions from authorized blockchain addresses, receiving a set of signed blockchain transactions calling a function of a target smart contract from a set of blockchain addresses, verifying that each blockchain address of the set of authorized blockchain addresses is authorized to make the call, and calling the function of the target smart contract when a number of signed blockchain transactions calling the function exceeds a threshold number.

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: Systems, methods, and computer-readable storage media for a digital marketplace add-in. One method includes receiving an entity dataset includes marketplace design preferences that define styling and designs of an online marketplace provided by a marketplace computing system, and generating and presenting, on a user device, a first application user interface based on the marketplace design preferences, the first application user interface including a plurality of interactive elements associated with payment information of a user. The method further includes receiving a preference in response to a selection of a first interactive element of the plurality of interactive elements, and receiving, from the marketplace computing system, transaction information regarding a transaction.

Abstract: A blockchain agnostic token network is described. In an example, a request to purchase a non-fungible token (NFT) minted on a blockchain from a seller is received. Based at least in part on context data associated with at least one of the user, the seller, or a digital asset associated with the NFT, a plurality of available blockchains is determined for holding the NFT. Information associated with the plurality of blockchains is surfaced and one of the plurality of blockchains is determined for holding the NFT. Based at least in part on the determined blockchain, the NFT is transferred to the determined blockchain and associated with a user account for subsequent viewing.

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: Some examples of the present disclosure relate to generating artificially intelligent entities represented on a blockchain using a non-fungible token (NFT). In one such example, a system can generate an NFT on a blockchain. The NFT can represent an artificially intelligent entity. The system can also generate a personality dataset on the blockchain, the personality dataset describing personality characteristics of the artificially intelligent entity. The system can then correlate the NFT to the personality dataset, thereby assigning the personality characteristics to the artificially intelligent entity. Once generated, the artificially intelligent entity may reside in a virtual ecosystem in which it can perform tasks and learn over time.

Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions in accordance with corresponding workflows. The transaction exchange platform may generate configuration transaction objects to reconfigure microservices with salt values and time periods of salt value validity. Further, the microservices may retrieve transaction objects from a streaming data platform and generate hash signatures as part of determining the validity of the transaction objects. Furthermore, in some aspects the microservices may retrieve salt values for transaction objects that cannot be verified due to the absence of a hash signature. The salt values may be retrieved from a blockchain associated with the streaming data platform and may be used to update the microservice to include the salt value.

Abstract: A method for authenticating a transaction that requires the use of a personal identification number (PIN) is provided. The method includes obtaining chip information from a chip that is embedded in a card; receiving a user input that includes the PIN; combining the PIN with the chip information; performing a message authentication code (MAC) operation on the combination in order to generate an application request cryptogram (ARQC); and requesting an authentication of the transaction based on the generated ARQC.

Abstract: The present disclosure is generally directed to an apparatus for generating a non-fungible token (NFT), the apparatus may include at least a processor and a memory communicatively connected to the at least processor, wherein the memory containing instructions configuring the at least processor to receive user data and classify the user data to a plurality of interest categories. The processor may be configured to generate a recommendation for an NFT as a function of the plurality of interest categories, where generating the recommendation further may include identifying a value function as a function of the plurality of interest categories. The processor may be configured to optimize the value function, generate the recommendation as a function of the optimization, and mint the NFT as a function of the recommendation.

Abstract: In the present disclosure, systems and methods are described for video gaming in a controlled environment facility. A video game server allows tenants of a controlled environment facility to play video games that are served and monitored by the video game server. In embodiments, users may initiate a game session to play games in a single player mode, competitive multiplayer or cooperative multiplayer mode depending on the game being played. The video game server maintains block lists for each user such that those users may not initiate or engage in the same game sessions with each other. In game sessions with two or more users, the video game server allows users to communicate via audio or text communications. The video game server may monitor those communications for potential security concerns. Users may also view videos of previously completed or live game sessions, subject to similar security monitoring measures.

Abstract: A method includes: receiving, via a mobile device, an indication from a user to perform a transaction to transfer funds to a recipient; selecting a default payment account of a plurality of accounts of a user based on a user preference received from the user; and, transmitting funds to the recipient responsive to receiving the indication from the user.

Abstract: A nameserver receives a request to access a webpage from a client device. The nameserver generates a blockchain query based on the request for querying a domain registrar blockchain storing domain name registration data in smart contracts. The nameserver sends the first blockchain query to the domain registrar blockchain. In response to receiving a nameserver identifier from the domain registrar blockchain, the nameserver retrieves a DNS record for the webpage using the received nameserver identifier. The nameserver then provides information from the retrieved DNS record to the client device to allow the client device to access the webpage.

Abstract: Techniques described herein are directed to implementing three-domain secure (3DS) solutions in a software development kit (SDK), and more generally, improving the process of authenticating user transactions in third-party merchant applications. In an example, a user may enroll in the delegated authentication service offered by the authentication service provider as a result of conducting a payment transaction in a first application having the SDK. During a subsequent transaction, initiated in an unassociated second application having the compiled SDK, the user may authenticate the payment method without registering the payment method with the second application and/or by delegating a 3DS authentication to the authentication service provider rather than performing the 3DS authentication with an issuer of the payment method. Additionally, techniques described herein may configure a user device, without access to an internet connection, as a standalone payment instrument.

Abstract: A computer-implemented system for streamlining encryption payload of a card transaction from a transaction code transaction via a merchant inside a restricted computer network firewall. A wallet application stores data of a payment device, and the wallet application retrieves information of a merchant and a transaction via a transaction code. In response to the retrieved information, the wallet application generates an encrypted payload. The wallet application transmits the encrypted payload to a payment facilitator within the restricted computer network firewall. After decryption of the encrypted payload, the payment facilitator transmits a decrypted payload in one payment packet to the payment processing server outside the restricted computer network firewall.

Abstract: Systems, methods, and apparatuses for providing a customer a central location to manage permissions provided to third-parties and devices to access and use customer information maintained by a financial institution are described. The central location serves as a central portal where a customer of the financial institution can manage all access to account information and personal information stored at the financial institution. Accordingly, the customer does not need to log into each individual third-party system or customer device to manage previously provided access to the customer information or to provision new access to the customer information. A user additionally is able to have user data and third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal. Restrictions on how user data is used by devices, applications, and third-party systems can be imposed via a central portal.

Abstract: Disclosed are methods and systems for enabling an assertion to be provided to a relying entity that is associated with a discount or digital coupon for an item in a transaction. The assertion may indicate an interaction by a user device with a digital indicator associated with the item and/or a resource provider offering the item. The assertion may be associated with a user and redeemed at a later time to apply a discount for an item involved in a transaction. The assertion may indicate an interaction with a digital indicator at one location for an item and redeemed at another location, including an online transaction, for the same item.

Abstract: A data processing method, an apparatus, a device, and a medium in a blockchain fund settlement system are provided. A data processing method in a blockchain fund settlement system, performed by at least one processor of a settlement institution terminal, includes: querying, on a blockchain, a settlement request that is to be processed by the settlement institution terminal between a fund settlement initiator and a fund settlement recipient, the settlement request being generated by an initiator terminal of the fund settlement initiator and recorded on the blockchain; receiving the settlement request based on the querying; and generating a settlement result of a settlement performed according to the settlement request, and recording the settlement result on the blockchain.

Abstract: A consumer terminal for a point-of-sale (POS) system used in performing a POS transaction between a merchant and a consumer. The consumer terminal includes a touch screen display having a touch panel, a secure processor in a physically secure area and a main processor in a non-secure area. The main processor is configured to display a series of screens to guide a consumer through the POS transaction. Upon receiving a request for secure data from the main processor, the secure processor instructs the main processor to exit pass-through mode and enter a secure touch mode. Upon a determination that the request for secure data is complete, the secure processor instructs the main processor to exit secure touch mode and return to pass-through mode.

Abstract: Updates to a payment card of the specific card user that will affect subsequent payments to the COF merchants has occurred are detected based on receiving a notification from an issuer processor. In response, payment credentials can be automatically updated with the COF merchants for the specific card user.