Abstract: Various embodiments are generally directed to NFC-based mobile currency transfers. A mobile payment may be programmatically initialized when at least two mobile devices come into NFC communications range. A payment card associated with an account used to fund the currency transfer may be tapped to one or more of the devices to allow a server to validate the currency transfer.

Abstract: A method for linking blockchain transactions to privately verified identities includes: storing account profiles, each profile including data related to a transaction account including an account identifier and account data; receiving a transaction message, the message including a first data element configured to store a personal account number, a second data element configured to store a merchant identifier, and a third data element configured to store a blockchain network identifier; identifying a first account profile that includes the personal account number; identifying a second account profile that includes the merchant identifier; receiving a transaction notification, the notification indicating a transaction processed using a blockchain network associated with the blockchain network identifier and including a transaction identifier and an address identifier associated with the first or second account profile; and storing a linkage between the transaction identifier and the address identifier, the pers

Abstract: Social interaction-based policies are provided to a digital content owner and are applied to uploaded content matching digital content owned by the digital content owner. Social interaction-based policies enable the content owner to obtain various benefits to the content owned by the content owner within a video hosting site and outside the video hosting site. The benefits include using content owner's successful digital content to drive traffic or subscriptions to content owner's social interaction platforms and increase engagement with viewers of the digital content within and outside the video hosting site. The social interaction-based policies also enable content uploaders of digital content matching content owned by others to participate in sharing revenue generated from their uploaded videos subject to social interaction-based policies applied to the uploaded videos.

Abstract: Computer-implemented methods and systems reliant on establishing a common session key between an electronic device and a computer server are disclosed. The method and systems may be for processing de-tokenization requests in payment transaction processing and for preparing an electronic device to perform payment transactions. During such a transaction, the server may perform a method that includes receiving a de-tokenization request including a payment token and a cryptogram generated by the electronic device using a session key generated by the electronic device based on a fingerprint of the electronic device, a secret value previously shared with the electronic device, the payment token, and a transaction counter; retrieving the fingerprint, the secret value, and the transaction counter and generating the session key based on the same; verifying the cryptogram using the session key; retrieving an associated account number; and sending response to the request including the account number.

Abstract: A system may include a license publishing server and a plurality of licensing servers arranged in a cluster and configured to communicate with the license publishing server to obtain a given number of authorized licenses for virtual computing sessions associated with the cluster. The system may also include a plurality of virtualization servers configured to obtain authorized licenses from the plurality of licensing servers and run virtual computing sessions for client computing devices based upon the authorized licenses. The licensing servers may cooperate with one another to distribute licenses to the virtualization servers based upon a consensus protocol and the given number of authorized licenses associated with the cluster.

Abstract: A computer implemented method for safe, efficient, and fraud-proof continuous retrieval of health data is disclosed. The method comprises receiving a request to update a record associated with a user blockchain comprising identification information associated with a health tracker, a health tracker server, and user authentication data; generating an instruction to receive user data based on the identification information and user authentication data; receiving health data from the health tracker server; retrieving and verifying the validity of the user's latest blockchain; storing the data in a volatile memory; and creating a new block instance corresponding to the data.

Abstract: A method and system for processing payment during an electronic commerce transaction is described herein. The system includes: a mobile device configured to provide an electronic wallet storing a payment card, the payment card comprising card payment information, and a card security credential. The system may also include a coordination server configured to receive a request to conduct the electronic commerce transaction, and send an activation message to the mobile device to activate the electronic wallet. When the electronic wallet is activated, the mobile device may be further configured to: receive a card selection input indicating selection of the payment card for payment in the electronic commerce transaction; verify a security input against the card security credential of the payment card; and send the card payment information and confirmation that the payment card was present during the verifying for use in completing the electronic commerce transaction.

Abstract: Systems and methods for utilizing a mnemonic to communicate sensitive data to an agent are disclosed. In aspects, a computer-implemented method comprises: establishing a telephone connection between a caller and an agent; entering an encryption key received from the agent into a mnemonic application of the computer device to permute an algorithm of the mnemonic application; receiving sensitive data in the form of one or more alphabetic, numeric or alpha-numeric sequence; initiating the mnemonic application to generate a mnemonic of the sensitive data using the encryption key, wherein the mnemonic is a sequence of words representing the sensitive data; displaying the mnemonic to the caller; and conveying audio communication of the mnemonic to the agent through the telephone connection to enable remote decoding of the mnemonic back into the at least one sensitive number sequence.

Abstract: Systems and methods for controlling distributions by an automated electronic networked central clearinghouse are disclosed. Exemplary implementations may: receive an exchange request that indicates a first user offers a first digital asset for a reversible exchange on a fiat-currency-based online exchange platform; obtain asset-specific distribution rights for the first digital asset; receive exchange information regarding the reversible exchange with an exchanging user; monitor, during a waiting period, whether any actions taken by the exchanging user determine reversibility of the reversible exchange, or whether the waiting period for reversibility times out; based on a time-out or a determination regarding reversibility, either (i) transfer the ownership of the first digital asset to the first user, or (ii) clear the reversible exchange by non-temporarily transferring the ownership to the exchanging user, and by distributing benefits in accordance with the asset-specific distribution rights.

Abstract: A method of operating a payment device for selectively enabling a payment function according to the validity of a host is provided. The method relates to a method of operating the payment device which includes a near field communication controller (NFCC) and a host communicating with the NFCC. The method selectively enables the payment function according to the validity of the host, thereby preventing illegal or unwanted payment.

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: A system, a computer readable storage medium, and methods for delivering content from a zero-knowledge edge server node in a content delivery network to an end user device, ensuring content control by a content provider (i.e. reduce piracy) while ensuring privacy of an end user device. One method includes publicizing that a particular content is available for download from the server node; initiating with the server node a communication session using a zero-knowledge protocol between the end user device and the server node operating in zero knowledge; downloading, while in the communication session, the particular content from the server node to the end user device; and receiving a response message from the end user device, including an indication of a content media player application, using the particular content, successfully executed at the end user device. The indication can be accompanied by a cryptographically verifiable proof of integrity.

Abstract: Systems and methods are provided for securing payment card information. A user may present a payment card such as a credit card to point-of-sale equipment. The point-of-sale equipment may encrypt the payment card information. An encryption algorithm may be used that takes as inputs a first part of the payment card information, a tweak formed by a second part of the payment card information, and an encryption key. The encrypted payment card information may be conveyed to a gateway over a communications network. The gateway may identify which encryption algorithm was used in encrypting the payment card information and may re-encrypt the payment card information using a format preserving encryption algorithm. A network-based service may be used to remotely perform functions for the gateway.

Abstract: Disclosed herein are systems and methods for processing a payment request that use mobile devices to have money transferred. These mobile devices are capable of running a payment transfer application that facilitates a transfer of money. A user can then execute the payment transfer application using a mobile device to send money, through a payment processing system that runs the payment transfer application, to a recipient account. One or more techniques authenticate a user of the mobile device by multi factor authentication prior to processing requests for money transfer initiated by the user.

Abstract: A method for creating and registering the authentication information is provided. The method includes steps of: (a) an intermediate server determining whether the specific user's public key is registered if (i) the specific user's public key and (ii) a hash value of the specific user's information or its processed value are acquired from the biometric authentication server which received a request for registration of authentication information; and (b) the intermediate server, if the specific user's public key is determined to be unregistered and at least one certain anchoring condition is satisfied, registering with a database a representative hash value or its processed value in a certain data structure, wherein the representative hash value is created by using (1) a specific hash value and (2) at least one hash value of at least one neighboring node which corresponds to a node of the specific hash value.

Abstract: Dynamically generated quick response (QR) codes are used for secure communication to/from mobile devices. In one example, a QR code identifies a product or service selected by a user using a mobile device. The mobile device generates the QR code identifying the user's selection, and displays the QR code for reading by a retail kiosk. The retail kiosk, such as movie-rental kiosk, extracts the product or service selection encoded in QR code and provides the identified product or service to the user. The QR code can additionally identify a user account, such that payment for the product or service is automatically charged to the account identified from the QR code. In another example, the QR code is used to transfer money and/or credits between a user and a retailer, or between two users.

Abstract: A phone-based electronic wallet providing authenticated transactions across multiple channels of commerce. The electronic wallet may be used for point-of-sale payments, remote mobile payments and/or web-based payments, and may use authentication tools such as offline PINs, SecureCode PINs and/or online PINs.

Abstract: A processing system periodically configures a beacon code and random nonce to transmit to a beacon device at a location. Multiple users enter the location with associated user computing devices and retransmit the beacon code broadcasted by the beacon device to the processing system. A computing device at the location transmits to the processing system a request for account data comprising a hardware identifier and retransmits the beacon code and a random nonce. The processing system verifies the request based on the beacon code and random nonce and transmits, to the computing device at the location, user account identifiers associated with user computing devices that retransmitted the beacon code. Within a threshold period of time, the processing system may verify a subsequent request from the computing device, even without receiving the beacon code and random nonce, if the request comprises the hardware identifier.

Abstract: This application discloses a method for implementing a secure transaction via a social network platform. A server receives a product purchase request from a client device, and the product purchase request includes product information, product server information and a user account identifier of the social network platform. The transaction server authenticates the product purchase request, and forwards the product purchase request of the corresponding product to the product server in an encrypted format. After receiving a confirmation message from the product server, the transaction server initiates a payment transaction between the user account and the product server. Further, after completing the payment transaction, the transaction server sends a payment completion message to the client device and the product server, respectively.

Abstract: A method for creating and registering authentication information is provided. The method includes steps of: (a) an intermediate server determining whether a specific user's public key is registered if (i) the specific user's public key and (ii) a hash value of the specific user's information or its processed value are acquired from a biometric authentication server which received a request for registration; (b) the intermediate server, if the specific user's public key is unregistered, creating and transmitting to a database a transaction whose outputs include (i) the specific user's public key and (ii) the hash value or its processed value (c) the intermediate server acquiring a transaction ID representing location information indicating where the transaction is stored in the database; and (d) the intermediate server notifying the biometric authentication server of a successful registration of (i) the specific user's public key and (ii) the hash value or its processed value.