Abstract: Generating and validating a subscription key based on subscription parameters associated with a jurisdiction file stored in a NVRAM, the subscription key having characters based on a subscription start date, a subscription term, a key generation date, and a cyclical redundancy check value. Parameters are extracted from the subscription key including the subscription start date, the subscription term, the key generation date, and the cyclical redundancy check value and are stored in a memory of the gaming machine. The key is checked by generating a local cyclical redundancy check value based on a MAC address of the gaming machine and one or more of the extracted parameters, and is validated when the local cyclical redundancy check value matches the cyclical redundancy check value extracted from the subscription key. The jurisdiction file may be updated during a RAM clear function during installation of the gaming machine.

Abstract: Techniques are disclosed relating to speculatively processing transactions. A transaction processing system may receive an indication of a trigger event associated with an electronic transaction not yet initiated by a client computing device. In some embodiments, in response to the indication of the trigger event and prior to receiving an indication of the electronic transaction being initiated, the computer system begins speculative processing of the electronic transaction. In some embodiments, the speculative processing includes identifying the client computing device based on device authentication information received from the client device, determining a user account based on the identifier client computing device, retrieving account information for the determined account, and storing the retrieved account information.

Abstract: One embodiment of the invention is directed to a method comprising, establishing, by a wallet server computer, a single sign-on link between a user bank account and a wallet application. The method further comprises receiving a transaction request message from a user, wherein the transaction request is for a transaction between the user and a merchant associated with the wallet application. The method further comprises sending sign-on data to an issuer computer using a secure authentication protocol and receiving a confirmation message from the issuer computer confirms initiation through the issuer application. The transaction is processed by the wallet server computer based on the confirmation message.

Abstract: Implementations of the present specification disclose a fare payment method, apparatus, and device. In one aspect, the method includes: receiving, at a terminal device supporting host-based card emulation (HCE), an HCE-based routing instruction from a fare collection device of a public transportation system; establishing, by the terminal device, a near field communication (NFC) connection with the fare collection device in response to the routing instruction; and transmitting, by the terminal device, payment-related information of a user of the terminal device to the fare collection device through the NFC connection, wherein the payment-related information is to be verified by the fare collection device, and wherein the fare collection device is configured to: verify the received payment-related information of the user; and in response to a successful verification, deduct a fare from an account of the user based on the payment-related information.

Abstract: Various embodiments described herein relate to systems, methods, and non-transitory computer-readable media structured to perform server-to-device secure data exchange using a device access token. In an embodiment, a smart device receives, from a requestor entity provided to the smart device, an account data provisioning request for an account. Based on the account data provisioning request, an account identifier for the account is determined. In some arrangements, the account identifier comprises or is associated with a device access token. Based on the device access token, a data element associated with the account is determined. In some embodiments, the data element is accessible to the requestor entity only if it is not access-restricted based on the device access token. Based on the data element, an executable graphic rendering instruction is generated.

Abstract: Systems and methods for the maintenance of merchant-stored transaction account data are disclosed. The system may include various merchant systems and issuer systems in communication via a blockchain network. The system provides a process for collaboration between various issuer systems and merchant systems to update and maintain merchant stored transaction account data in response to changes, cancellations, updates, or the like in various stored transaction account.

Abstract: A computer-implemented method (100) and system (1) for controlling the performance of a smart contract. The method includes storing a contract on or in a computer-based repository. The contract is associated with a licence between a first user (U1) and a second user (U2). The method further includes receiving, over a communications network, a transaction comprising a transfer of a token from an agent (A) to the first user (U1) or the second user (U2). The transaction comprises metadata that includes an identifier indicative of a location where the contract is stored. The method further includes querying a peer-to-peer distributed ledger (i.e. blockchain) to determine whether the transaction comprises at least one unspent output (UTXO). The method further includes, responsive to querying the peer-to-peer distributed ledger, determining whether to modify performance of the contract. The blockchain may be the Bitcoin blockchain.

Abstract: Various embodiments described herein relate to systems, methods, and non-transitory computer-readable media structured to perform server-to-device secure data exchange using a device access token. In an embodiment, a smart device receives, from a requestor entity provided to the smart device, an account data provisioning request for an account. Based on the account data provisioning request, an account identifier for the account is determined. In some arrangements, the account identifier comprises or is associated with a device access token. Based on the device access token, a data element associated with the account is determined. In some embodiments, the data element is accessible to the requestor entity only if it is not access-restricted based on the device access token. Based on the data element, an executable graphic rendering instruction is generated.

Abstract: A wireless communication device such as a payment reader has a wireless communication interface and is able to establish wireless pairing with an interactive electronic device such as a merchant device running a point of sale application. In order to establish pairing, the wireless communication device accesses an identifier. The identifier is transmitted to the interactive electronic device via the wireless communication interface, and the interactive electronic device sends the identifier to a pairing server. The pairing server retrieves a passkey based on the identifier and sends the retrieved passkey to the interactive electronic device via a secure connection. The wireless communication device and the interactive electronic device establish wireless pairing based on the retrieved passkey.

Abstract: Systems and methods for secure digital asset transactions. An offline system includes a custodian computer, digital asset accounts accessible by the custodian computer and a centralized ledger maintained by the custodian computer. The custodian computer is in communication with public ledger computers of a public ledger, and receives transaction data associated with digital assets from among entity computers. Each account is prefunded with digital asset funds. The custodian computer monitors a transaction parameter of the transaction data and, in accordance with the monitoring, generates a transfer instruction indicating transfer of funds between the first and second accounts, updates the centralized ledger responsive to the transfer instruction, and transfers the funds between the first and second accounts, responsive to the transfer instruction. The transfer instruction remains offline and is not transferred to the public ledger.

Abstract: In one aspect, the present disclosure proposes methods, devices and systems for partitioning a request associated with a digital asset into an arbitrary number of transactions. The partitioning is based on knowing or obtaining a maximum number of outputs allowed for a request and an arbitrarily selection of a possible integer partition of an arbitrarily selected integer. The randomly selected integer partition then forms the basis for determining the number of transactions and UTXOs, so that a digital asset value can be arbitrarily split across the determined UTXOs before being stored on a public blockchain. In another aspect, the present disclosure proposes methods, devices and systems for arbitrarily distributing a digital asset value associated with a request across an arbitrarily determined number of transactions. This is based on an arbitrarily selected number of transactions, and a maximum number of outputs allowed for each request.

Abstract: Self-sovereign identity systems and methods for identification documents are disclosed herein. An example method includes transmitting data obtained from a near-field communications (NFC) chip of an object to the service provider. The data can include identifying information for an owner of the object. The method can include receiving a user identity packet from the service provider that is generated by the service provider based on verification of an identity of the owner and validity of the NFC chip, storing the user identity packet on a computing device, receiving a request from a first requesting device or service for the data stored on the NFC chip of the object and transmitting the user identity packet from the computing device to the first requesting device or service instead of the data.

Abstract: A method for processing votes in a public blockchain includes: generating an election reference and candidate references; generating an asymmetric cryptographic key pair comprised of a master private key and master public key; generating a registration block for addition to a blockchain including the election reference, candidate references, and master public key; transmitting the registration block to nodes associated with the blockchain; receiving a plurality of voting messages, each including a vote and the election reference, where the vote includes a voter reference and at least one candidate reference; generating one or more voting blocks for addition to the blockchain including the received votes; and transmitting each generated voting block to nodes associated with the blockchain.

Abstract: A method and a system for providing a financial transaction using an empty card are provided. The method for providing a financial transaction using an empty card includes receiving, by a server, a virtual card number generated by a program included in a user terminal, searching, by the server, for an empty card storage location at which the empty card is registered, in a storage location search algorithm based on the virtual card number, searching, by the server, for a real card number storage space linked to a user identification (UID) assigned to the found empty card storage location, extracting, by the server, a real card number stored in the real card number storage space, and performing, by the server, a financial transaction progress or a financial transaction progress request with the extracted real card number.

Abstract: A method for providing a multi-service platform to entities includes the storage of profiles for a plurality of entities involved in services with other entities, including point to point and business to business transactions, including entities not registered, that can be claimed by each entity, where each entity can provide for roles and hierarchies of authorized users of the platform for that entity, and where the platform is configured to provide, among other services, registration of procurement status for purchase orders in a digital ledger that provides for auditability and immutability.

Abstract: An example operation may include one or more of receiving, via a host platform, a payment authorization request message for a payment transaction of a digital wallet hosted by the host platform from a payment gateway of an electronic payment network, verifying that a payment account in the digital wallet has sufficient funds to satisfy an amount of the payment transaction and transmitting a payment authorization response to the payment gateway, pausing clearing and settling of the authorized payment transaction, executing a blockchain transaction via a blockchain ledger of a cryptocurrency network to exchange fiat currency from the payment account for cryptocurrency based on the amount of the payment transaction, prior to a due date of the authorized payment transaction, executing a second blockchain transaction to exchange the cryptocurrency for a new amount of fiat currency, and settling the authorized payment transaction based on the new amount of fiat currency received from the second blockchain transacti

Abstract: Various embodiments of the present disclosure provide techniques for facilitating a credential-less exchange over a network using a plurality of identifier mappings, member interfaces, and security code tuples that are tailored to an ephemeral key. The techniques may include receiving a secured interaction request and issuing or enabling a previously issued universally unique ephemeral key (UUEK) in response to the secured interaction request. The techniques may include validating a user, instrument, or UUEK and, in response, storing a secured event for the user, instrument, or UUEK and providing a secured interaction response indicative of the secured event. The techniques may include subsequently receiving an exchange request for executing a value-based exchange using the UUEK and facilitating the exchange request based at least in part on the secured event.

Abstract: A method of authenticating a card for use with a mobile pay function of a mobile device is provided. The method includes: receiving a payment transaction from the mobile device; identifying the payment transaction from the mobile device as an authentication request by determining that the payment transaction includes a payment amount less than or equal to a predefined amount, wherein the authentication request includes a cryptogram; decrypting the cryptogram; verifying and approving the authentication request that was generated by the card and wirelessly transmitted to the mobile device from the card based on the decrypted cryptogram; transmitting an authentication decision to the mobile device based on the approval; and, enabling the mobile pay function for the card for the mobile device to complete mobile pay transactions utilizing the card.

Abstract: Aspects of the disclosure relate to an NFT segmentation platform. The NFT segmentation platform may train an auto-segmentation model to generate tier scores corresponding to non-fungible tokens (NFTs). The NFT segmentation platform may compare the tier scores to tier thresholds defining threshold ranges. The NFT segmentation platform may automatically store the NFTs based on storage rules corresponding to the threshold ranges. The NFT segmentation platform may modify the storage location of the NFT based on changes in the tier score. The NFT segmentation platform may train an NFT validation model to generate NFT validation ratings for NFTs. The NFT segmentation platform may compare the NFT validation ratings to threshold values to determine whether or not to execute an event processing request. The NFT segmentation platform may create an iterative feedback loops to update the auto-segmentation model and the NFT validation model.

Abstract: A blockchain payment involves a transfer of funds from an account of a user to a collateral account of a service provider. The service provider receives a payment intent from the user including a payment index, a random payment ID, and an address of the collateral account. The service provider replaces the address by a commitment and provides the modified payment intent to a majority of statekeepers of a blockchain, receives payment approvals from the statekeepers, each payment approval including the modified payment intent signed with a private key of a respective statekeeper, evaluates the received payment approvals, aggregates successfully evaluated payment approvals, and transmits the aggregation result to the user. The service provider receives a final transaction created by the user after having verified the aggregation result, verifies that the user correctly constructed the final transaction, and accepts the payment in case of successful verification of the final transaction.