Abstract: Methods, apparatus and computer software are provided for authorizing an EMV transaction between a user device and a point of sale terminal, particularly, but not exclusively, in situations where a secure element is not made available for the deployment of a payment application on the user device. The payment application is instead deployed to a processing environment that is outside of any secure element on the user device. An ICC Master Key corresponding to the payment application is held by a trusted authority, such as the issuing bank. The trusted authority is adapted generate time-limited session keys on the basis of the ICC Master Key and distribute session keys to the payment application. Receipt of a session key by the payment application enables the payment application to conduct an EMV payment transaction. The session key is used to authorize a single EMV payment transaction.

Abstract: Technique introduced here relates to virtual currency related services, and more specifically, to tools for providing crypto or other digital currency (e.g. bitcoin) related services, including bitcoin DNS service, sending bitcoins over social media communication networks, a bitcoin trading platform and secure storage services for bitcoin.

Abstract: A computer-implemented method, system, and/or computer program product provides security in a communication network between a user device and a computer related device, and receives payment for services offered through a distributed registry associated with the communication network. One or more processors provide a distributed registry that specifies a plurality of services available to support communications between a user device and a computer related device on a communication network. The processor(s) dynamically construct one or more multi-node transient processing pathways between the user device and the computer related device based on the services. The processor(s) present the plurality of services specified by the distributed registry to the user device, and append metadata describing a current cryptocurrency cost of the services.

Abstract: A system and a method for creating a holistic, flexible, scalable, confidential, low-latency, high-volume, immutable distributed ledger for the financial services and other industries. The system allows a scalable blockchain solution with respect to accessible memory requirements of distributed ledgers or distributed databases with confidentiality in the shared records as well as accommodating low-latency, high-capacity transaction capabilities. The method includes a fundamental, generic, logical representation of financial services life-cycles transactions in terms of variable sets of four simple, sequential components. The optimal process generates a self-validating, variable n-dimensional, multi-hash-linked, interdependent distributed ledger that allows the individual network participants to recreate the ledger without having to refer to or confirm with other network participants.

Abstract: An electronic tokening system implemented by a data source transmits secure electronic tokens including time-based values to a plurality of terminals. The terminals may be geographically disparate, and the different terminals may have different connection speeds to the data source. The terminals may use the secure electronic tokens to consistently and reliable calculate data values.

Abstract: The invention provides a secure method for exchanging entities via a blockchain. The invention incorporates tokenisation techniques, and also techniques for embedding metadata in a redeem script of a blockchain transaction.

Abstract: Disclosed is a method and system, in FIG. 1, for verifying authenticity of specific personal data responsive to a unique wallet address (70) on a public ledger (66) of an unregulated platform (60). The wallet contains one or more non-transferable NFTs each locked to the wallet and related to specific personal data. The non-transferable NFT was minted from a regulated platform (27) to which there is a record (76) in the public ledger. Supplying the unique address of the wallet to a service supplier affects a log-in of a client (18) to the service supplier (90), whereafter message interactions over a network (12) between the service supplier and the unregulated platform (60) permits searching for a relevant (72) non-transferable NFTs (74) stored in the wallet and related to the specific personal data. Return of any relevant non-transferable NFT related to the personal data thus verifies authenticity of the specific personal data by association with a regulated platform.

Abstract: A method for verifying licenses is performed by a legacy management controller (LMC) and a non-legacy management controller (NLMC). The method includes obtaining, by the LMC, a first license installation request and a license, wherein the license comprises license data and a plurality of signatures; in response to the first license installation request: making a first determination, by the LMC, that a first signature of the plurality of signatures is valid; in response to the first determination: installing, by the LMC, the license on the LMC; obtaining, by the NLMC, a second license installation request and the license; in response to the second license installation request: making a second determination, by the NLMC, that a second signature of the plurality of signatures is valid; and in response to the second determination: installing, by the NLMC, the license on the NLMC.

Abstract: Some embodiments provide a method for determining whether a subscription for using digital content on a user device has elapsed. The method compares a first collision free image of a first set of entities in the user device with a second collision free image for a second set of entities in the user device at a second instance in time. Based on the comparison, the method determines whether the subscription has elapsed.

Abstract: A method, system and computing device for incorporating marketing into a user authentication enables valuable marketing information to be received from or provided to users, in an authentication context where the users are likely to be attentive and focused. Thus, marketing information is likely to be thoroughly reviewed by the users, easily recalled by the users at a later time, and user profile data collected from the users is likely to be accurate. The method includes presenting an authentication challenge to a user of a computing device, the authentication challenge including a number of challenge elements; receiving a response to the authentication challenge from the user; and presenting a non-authentication marketing activity to the user, the non-authentication marketing activity including a number of activity elements, and where the activity elements correspond with the challenge elements.

Abstract: According to one perspective, the invention provides a technical arrangement to calculate, register and/or apportion costs and/or generate income in proportion to the current ownership of an asset. One or more embodiments also comprise a novel technique for generating cryptographic sub-keys. Thus, one benefit provided by the invention is that it allows the secure distribution of costs and income for an asset registered and maintained on the Blockchain. In turn, this increases the capability of such assets to meet the real-world needs of various entities such as the asset itself and investing parties.

Abstract: Disclosed are various embodiments for detecting security breaches using watchdog transaction accounts. A security agent can initiate a purchase with a first electronic commerce system and provide a watchdog transaction account as payment for the purchase. The security agent can then store a record of the purchase which includes a merchant identifier for the merchant and the watchdog transaction account. Subsequently, a transaction authorization system can determine that authorization for a transaction with second electronic commerce system failed. If the transaction authorization system determines that the account used in the transaction with the second electronic commerce system, then the transaction authorization system can determine that the first electronic commerce system has suffered a security breach.

Abstract: A client computing system inserts selected advertising into digital content. Ads may be inserted into content based on a dynamic advertising matching process that is securely implemented within a hardware-based root of trust. User profiles used in ad matching may be privacy protected and maintained with confidentiality protection in the client computing system and/or a service provider server, respectively. When a client computing system makes a request to the service provider server for content with specified ad slots, the request may be made with the client's EPID signature, which is inherently privacy protected. The hardware-based root of trust protects insertion of selected ads into the linear rendering flow of the content.

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: Methods of performing transactions with a payment card comprising an integrated circuit are disclosed comprising interacting with an integrated circuit on a received payment card and inferring an application corresponding to a card brand and card type of the payment card, or retrieving a map of the integrated circuit to read records on the integrated circuit based on the map, are disclosed. Corresponding devices, such as PIN pads, and computer products are also disclosed.

Abstract: An example operation may include one or more of initializing a smart contract (SC) and appending it to a blockchain, registering each of a plurality of participants as a party to the SC, receiving from at least some of the participants an encrypted confidential input commitment, appending the encrypted input commitments to the blockchain, decrypting the encrypted input commitments, executing by the SC at least one business rule using the decrypted input commitments to obtain a business rule result, and identifying a prevailing participant based at least in part on the business rule result.

Abstract: Systems and methods for point-to-point encryption compliance are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for point-to-point encryption compliance may include: (1) a payment application receiving, from a data source, payment data encrypted using a first encryption method; (2) the payment application identifying a second encryption method for the payment data; (3) the payment application requesting, from the data source, the payment data encrypted using the second encryption method; and (4) the payment application receiving from the data source, the payment data encrypted using the second encryption method.

Abstract: Transaction systems and methods are described for verifying transactions in a vehicle. The transactions utilize blockchains of a cryptocurrency to allow for verification of a transaction even where a live Internet connection is unavailable. The systems and methods utilize a digital wallet stored in the vehicle that allows for transactions with a passenger having a passenger digital wallet. A plurality of local nodes disposed in the vehicle store a local and updated copy of the blockchain to allow for verification of the cryptocurrency transactions even during periods of intermittent internet connectivity.

Abstract: A computing system that includes at least one processor and at least one memory communicatively coupled to the at least one processor is disclosed. The computing system also includes at least one network interface communicatively coupled to the at least one processor and configured to communicate with at least one vault system, each of the at least one vault system storing a respective one of N private keys or key components associated with a customer. The at least one processor is configured to generate, at the customer device, a sweeping transaction that transfers all funds from at least one input transaction address in a customer wallet to a new transaction address. The at least one processor is also configured to sign the sweeping transaction using at least M of N private keys or key components.

Abstract: The present disclosure is directed to security settlement in financial markets and cryptographic currencies. Particular portions of the present disclosure are directed to a cryptographic currency protocol and to a cryptographic currency that includes a positional item. The cryptographic currency protocol supports a virtual wallet that, in various embodiments, is a security and cash account for storing and managing the cryptographic currency. Opening a transaction via the virtual wallet to transfer the cryptographic currency is a strong guarantee of the availability of funds in the virtual wallet because, e.g., funds are not transacted unless the commit phase is successful.