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: 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: 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: 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: 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.

Abstract: Embodiments of the invention include a method of performing a payment transaction comprising receiving transaction data by a PIN pad terminal from a point-of-sale terminal, and receiving tender from a customer, by the PIN pad terminal. Tender data and the transaction data are sent to a service gateway, by the PIN pad terminal. The service gateway collects metadata from the tender data and the transaction data. The tender data is sent by the PIN pad terminal to the point-of-sale terminal, which sends the tender data and the transaction data to a merchant gateway for approval or denial of the tender data. The tender data sent to the POS may be encrypted. The service gateway may provide customer and merchant analytics based on the metadata, as well as perform security/fraud checks, BIN management, PIN pad management. Systems are also disclosed.

Abstract: Embodiments of the disclosure are directed to methods and systems for enabling generation and management of a secondary account. The secondary account may be generated in relation to a primary account, such that at least a portion of a transaction conducted using the secondary account may be charged to the primary account. In some embodiments, the secondary account may be associated with a number of protocols to be applied to a transaction. When a transaction is initiated using the secondary account, a service provider may consult an itinerary to dynamically generate a set of protocols which is relevant to the transaction based on a time period during which the transaction is initiated. In some embodiments, portions of the transaction may be split up and transmitted to different authorization entities for authorization.

Abstract: A data broker platform may store one or more data sharing preference settings of a subscriber for the subscriber data of the subscriber in a corresponding subscriber preference record of a subscriber preference blockchain ledger. The platform may further store one more access policy settings with respect to the subscriber data in a corresponding access configuration record of an access configuration blockchain ledger. The platform may receive a data request from a computing device of a third-party entity to access a set of subscriber data of the subscriber. Accordingly, the platform may provide the computing device of the third-party entity with access to the set of subscriber data when the platform determines using records in the subscriber preference blockchain ledger and the access configuration blockchain ledger that the third-party entity is permitted to access the set of subscriber data.

Abstract: Healthcare transaction validation systems and methods are presented. Healthcare transactions associated with a stakeholder are compiled into a chain of healthcare transaction blocks. The chain can be considered a chronicle of person's healthcare path through life. When a transaction is conducted, the corresponding healthcare parameters (e.g., inputs, outputs, clinical evidence, outcomes, etc.) are sent to one or more validation devices. The devices establish a validity of the transaction and generate a new block via a proof-of-work principle. Once the new block has been calculated it can be appended to the stakeholder's health care blockchain.

Abstract: Systems and methods for determining and executing complex multi-route transfers of digital assets are described. A multi-route transfer of a source asset for a destination asset may be determined by analyzing a graph representing a plurality of assets and exchanges to determine a plurality of unique transfer paths. A transfer path may reflect a direct transfer in which the source asset is swapped for the destination asset, or it may reflect a series of intermediate transfers in which the source asset is swapped for intermediate asset(s) that are swapped for the destination asset. Dynamic programming can be used to select the transfer paths to include in the multi-route transfer, how to distribute swaps across those transfer paths, and how to distribute swaps for each transfer of a transfer path—thereby optimizing for the total amount of the destination asset received while accounting for transaction fees.

Abstract: A method for building an advanced storage key includes: storing, in a mobile device, at least (i) device information associated with the mobile device, (ii) program code associated with a first program including an instance identifier, and (iii) program code associated with a second program including a first key; generating a device fingerprint associated with the mobile device based on the device information via execution of the code associated with the first program; generating a random value via execution of the code associated with the first program; building a diversifier value based on the generated device fingerprint, the generated random value, and the instance identifier included in the code associated with the first program; and decrypting the built diversifier value using the first key stored in the code associated with the second program via execution of the code associated with the second program to obtain a storage key.

Abstract: Methods and systems for authentication, immutability and trusted timestamping of large audit event logs reported by electronic platforms are disclosed. In an embodiment, a method involves: audit log events aggregation into timeframe aligned data blocks, reporting of data block hashes into blockchain database for authentication, immutability and trusted timestamping. An aspect of the method involves achieving authentication, immutability and trusted timestamping guarantees for audit log events with low computational and networking overhead due to utilization of blockchain database consensus protocol only for batched event data blocks rather than for separate events. Multiple events during specific period of time are grouped into separate data block and cryptographic hash of the whole block is reported to blockchain database to ensure its authentication, immutability and trusted timestamping.

Abstract: In order to validate a user to facilitate conducting a high-valued financial transaction via wireless communication between an electronic device (such as a smartphone) and another electronic device (such as a point-of-sale terminal), the electronic device may authenticate the user prior to the onset of the high-valued financial transaction. In particular, a secure enclave processor in a processor may provide local validation information that is specific to the electronic device to a secure element in the electronic device when received local authentication information that is specific to the electronic device (such as a biometric identifier of the user) matches stored authentication information. Moreover, an authentication applet in the secure element may provide the local validation information to an activated payment applet in the secure element. This may enable the payment applet to conduct the high-valued financial transaction via wireless communication, such as near-field communication.

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.