Abstract: Embodiments of the present application provide a payment method, a gateway device, a server and a storage medium. The method is applied to the gateway device, and the method includes: obtaining target identification information and payment amount of a target IoT device connected to the gateway device, wherein the target identification information includes a first device identification of the target IoT device and/or a feature identification of a physical layer between the target IoT device and the gateway device; sending a first payment request to the server, wherein the first payment request includes the target identification information, a second device identification of the gateway device and the payment amount, and the first payment request is configured to instruct the server to search a target payment account associated with the target identification information and the second device identification, and to deduct from the target payment account according to the payment amount.

Abstract: Systems and methods for storing multiple data elements to a blockchain are disclosed. Data source descriptors along with options such as data update frequency and data update conditions are received by a multi-oracle service. The multi-oracle service gathers data elements from multiple external sources and based on the options packs them together into transactions for recording on a blockchain network. The multi-oracle service may eliminate the need for individual users to create their own oracles and reduce costs by packing multiple data elements together in transactions at different update frequencies and with different update conditions to efficiently support multiple users or clients with a single transaction.

Abstract: Systems and methods for authentication may include an authentication server. The authentication server may include a processor and a memory. The processor may be configured to receive an authentication request. The processor may be configured to transmit a notification. The processor may be configured to receive a response that is responsive to the notification, the response comprising a ciphertext and input data. The processor may be configured to generate a Fast Identity Online (FIDO) key pair including a FIDO public key and a FIDO private key. The processor may be configured to encrypt a challenge using the FIDO private key. The processor may be configured to transmit the FIDO public key to decrypt the challenge so as to complete the authentication request.

Abstract: Message processing is described, in which each of first and second computer systems have a message operator configured to process messages to manage a data structure having a state determined via the processing. The message operator of the first computer system is configured to reroute unprocessed messages to the message operator of the second computer system such that the message operator of the second computer system establishes an order of an input message stream and a current state of the data structure arising from the input message stream. The message operator of the second computer system is configured to, once the current state is established, send the messages of the input message stream to the message operator of the first computer system in accordance with the established order such that the current state of data structure is recreated by the message operator of the first computer system.

Abstract: A system and method for issuing a virtual value-bearing card associated with only non-personally identifying information is disclosed. A remote internet enabled device, an input device, a network coupling, and a card dispenser communicate to convert physical or electronic currency, wherein the converted funds are immediately available to the user with a virtual value bearing card stored on an application hosted on an internet enabled device. The converted funds are simultaneously available on a physical card. The input device is configured to receive input to scan a code graphically provided by the internet enabled device. The code includes only non-personally identifiable information. The network coupling is configured to send the new account request to an acquirer processor and to receive an approval response from the acquirer processor.

Abstract: A method, system, and computer program product is provided for modeling business terms based on attributes and characteristics of a data source. The method includes determining principal terms representing at least one first attribute of a payment processing system, generating a plurality of complex terms including a principal term and representing at least one second attribute of a payment processing system, generating a logical model of principal terms and complex terms, and comprising relations between multiple generations of complex terms arranged in a hierarchical data structure, linking the logical model by mapping each physical data field of a plurality of physical data fields to at least one of a principal term and a complex term in the logical model as metadata, and automatically generating an interactive data dictionary for the payment processing system based on each physical data field and corresponding attributes for metadata of physical data fields.

Abstract: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to provide, via the communications module and to a remote computing device, a signal causing the remote computing device to display an interface of a digital wallet management application, the interface allowing one or more digital wallets to be selected; receive, via the communications module and from the remote computing device, a signal indicating a selection of the one or more digital wallets; receive, via the communications module and from the remote computing device, a signal indicating a request to push account information to the selected one or more digital wallets; and send, via the communications module and to one or more servers associated with the one or more digital wallets, a signal configuring the one or more servers to add the account information to the o

Abstract: A money processing device includes: a money processing unit; a communication circuitry; a man-machine interface; and processing circuitry configured to control the money processing unit, the communication circuitry and the man-machine interface. The processing circuitry generates temporary information, and operates the communication circuitry or the man-machine interface to provide the temporary information to outside. When the communication circuitry or the man-machine interface that is not operated to provide the temporary information to the outside receives secondary information corresponding to the temporary information, the processing circuitry transfers the money processing device to a state of executing a process of resolving an abnormality.

Abstract: A federated-data-room server manages information about a collection of electronic documents residing elsewhere (under different organizational/customer control). The server can anchor documents to a blockchain, record usage history of each document, and provide access to the documents for authorized users. As a result, the federated-data-room server operates on customers' data, while leaving the data in control of the customers. At the same time, the federated-data-room server provides data access and enables traceability via blockchain recordation of document identifiers and document hash values.

Abstract: Embodiments provide methods and systems for sharing a user consent associated with user consent among applications. Method performed by server system includes storing consent token associated with user in a database based upon receiving consent from the user on the first application to utilize user credential data for subsequent transactions in connection with interaction between a user device and a first application service provider. The method includes receiving a request to access the consent token associated from a second application service provider associated with a second application accessible on the user device, determining whether the second application service provider is able to access the consent token associated with the first application based on access level data set by the first application service provider of the first application for accessing the consent token and allowing access of the consent token to the second application based on the determining step.

Abstract: Systems and methods may generally include sending an executable application, which when executed, automatically causes a monetary transfer. An example method may include performing, at a first user device, a handshake with a second user device, receiving, during the handshake, an operating capability of the second user device, and configuring, based on the operating capability of the second user device, an executable application, which when executed, automatically causes a monetary transfer to occur. The configured executable application may be sent to the second user device for execution.

Abstract: A computer-implemented method of determining an indication of whether a vehicle in a crash is a total loss. The method may include (1) receiving (i) image data, (ii) sensor data, and/or (iii) telematics or other data indicative of a direction of a crash force; (2) determining a type of geographic area in which the crash occurred; (3) determining a make, a model, and/or a year of the vehicle; and (4) determining the indication of whether the vehicle is a total loss based upon (i) (a) the image data, (b) the sensor data, and/or (c) the data indicative of the direction of the crash force, (ii) the type of geographic area, and (iii) the make, the model, and/or the year of the vehicle. By determining the indication of whether the vehicle is a total loss based upon such data and/or factors, time may be saved and resources may be conserved.

Abstract: Biometric information is obtained from a user. A determination is made that the obtained biometric information matches at least one entry in a biometric database. In response to determining that the obtained biometric information matches the at least one entry in the biometric database, non-biometric verification information is obtained. A determination is made as to whether at least a portion of the non-biometric verification information matches at least a portion of preset non-biometric verification information associated with the user. In response to determining that the at least a portion of the non-biometric verification information matches, a determination is made that an identity of the user is verified. In response to determining that the at least a portion of the non-biometric verification information does not match, a determination is made that the identity of the user is not verified.

Abstract: Networks, systems and methods for event triggered trading of investment vehicles are disclosed. Orders that are conditioned upon events occurring outside a market may be submitted to an exchange. The conditional orders may be held or stored until the occurrence or non-occurrence of the event. An event data feed is provided to provide information identifying the occurrence or non-occurrence of the event. In response to receiving information via the data feed identifying the event, the orders conditioned upon the event will be triggered, matched, and executed.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for transferring money using email. One of the methods includes receiving a user input of a funds-transfer request from a sender associated with a first identifier to one or more recipients associated with one or more second identifiers, respectively, generating one or more electronic messages based on the user input, each being operable to allow a respective recipient to send a funds-transfer authorization, sending the electronic messages to the recipients based on the second identifiers, receiving one or more funds-transfer authorizations from the one or more recipients, respectively, identifying a sender account based on the first identifier and one or more recipient accounts based on the one or more second identifiers, respectively; and initiating one or more transfers of funds from the one or more recipient accounts to the sender account, respectively.

Abstract: A method and system may detect and correct errors in consumer reporting. A secure data file such as a Metro 2® formatted file may be obtained for a consumer that includes the consumer's credit information. A consumer reporting server may generate a non-sensitive private information (non-SPI) consumer identifier that references non-SPI consumer credit information included in the Metro 2® formatted file. Then a member of the organization may access the non-SPI consumer credit information to review the non-SPI consumer credit information and detect and correct errors. Errors may be detected by training a machine learning model using a first set of non-sensitive private information (non-SPI) consumer credit information from statements including errors and a second set of non-SPI consumer credit information from statements that do not include errors. The non-SPI consumer credit information for the consumer may be applied to the model to identify errors.

Abstract: Implementations of the present specification disclose mobile payment methods, apparatuses, and devices. In one aspect, the method includes: monitoring, by a terminal device that is in lock screen mode, outputs of one or more sensors of the terminal device; determining that the outputs of the one or more sensors satisfy first specified criteria indicative of one or more particular body movements; in response to determining that the outputs of the one or more sensors satisfy the first specified criteria, displaying, on the terminal device, a payment processing interface; receiving an input through the payment processing interface; and executing a payment service based on the input.

Abstract: A method for routing electronic payment transactions may include receiving transaction-related information from a merchant, extracting transaction routing criteria from the received transaction-related information, identifying one or more eligible payment networks and one or more eligible acquirer processors based on extracted transaction routing criteria, predicting a likelihood of authorization acceptance for each combination of identified acquirer processor and identified network, identifying one or more breakeven transaction amounts for each combination of identified eligible acquirer processor and identified eligible payment network, and routing signature debit transactions from the merchant to a least cost combination of acquirer processor and PIN-less debit network selected from the eligible payment networks based on identification of a desired breakeven transaction amount for the PIN-less debit network.

Abstract: Systems and methods may generally include sending an executable application, which when executed, automatically causes a monetary transfer. An example method may include performing, at a first user device, a handshake with a second user device, receiving, during the handshake, an operating capability of the second user device, and configuring, based on the operating capability of the second user device, an executable application, which when executed, automatically causes a monetary transfer to occur. The configured executable application may be sent to the second user device for execution.

Abstract: Embodiments provide payment methods, server systems and devices for dynamically adapting a timeout period. The method includes receiving, by a server system associated with a payment network, a payment transaction request from a merchant interface. The payment transaction request includes a payment information and a payment card information of a user. After receiving the payment transaction request, a plurality of authentication options may be presented to the user for authenticating the payment transaction. The user may select an authentication option from the plurality of authentication options. A timeout period for authenticating a payment transaction is determined based on the authentication option selected by the user. The timeout period is determined using a set of predefined rules. Moreover, the timeout period may be dynamically adapted based on the authentication option and one or more of a plurality of timers, a plurality of usage analytics data and a user profile information.