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.

Abstract: Embodiments of the present invention are drawn to systems and methods for securing information using cryptographically keyed units. Specifically, in one embodiment of the present invention, a system is provided for securing information that uses two cryptographically keyed units to encrypt information flowing between a fuel pump device and a remote device. Thus, even if the information is intercepted, it could not be used to perpetrate fraud.

Abstract: Methods, terminals, and systems for payment verification are provided. Payment information associated with a payment operation is obtained, in response to a user entry performed in a data entry region on a user interface unit of a payment terminal and after the payment operation is detected. A prompt notification prompted for inputting a fingerprint can be outputted. At least two fingerprints are inputted and scanned to obtain at least two-fingerprint information. Based on the payment information and the at least two-fingerprint information, a payment request containing a payment account number and verification information of the payment account number is sent to a server for the server to process the payment request after the at least two-fingerprint information and the verification information are verified by the server.

Abstract: Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.

Abstract: This document describes systems, methods, devices, and other techniques for managing healthcare records. In some implementations, a computing system is provided that includes an electronic ledger, a first program module, and a second program module. The electronic ledger can store entries of medical record management events invoked by participants in a distributed computing network. The first program module can be assigned to an account of a first user on the distributed computing network and can identify (i) medical records of the first user and (ii) accounts of users other than the first user that are authorized to access the medical records of the first user. The second program module can be assigned to an account of a second user on the distributed computing network and can call the first program module to request access to a set of one or more of the medical records of the first user.

Abstract: Systems and methods for a physical location verification system include receiving, from a first user device, a first physical location associated with the first user device. A first feature physically located at the first physical location is determined. A first physical location verification request associated with displaying a first reference image including a first marker associated with the first feature on the first user device. Movement data associated with a first movement of the first user device is received from a sensor system of the first user device. First image data captured by a first camera of the first user device during the first movement in response to the physical location verification request is received from the first user device. The first image data and the first movement data are analyzed to verify that the first user device is physically located at the first physical location.

Abstract: A mobile computing device having at least one processor and at least one memory, together providing a first execution environment and a second execution environment logically isolated from the first execution environment, the mobile computing device comprising: a first application executable within the first execution environment; a second trusted application executable within the second execution environment; and a secure communications channel between the first application and the second trusted application, wherein the second trusted application is configured to generate one or more data items and to provide the one or more data items to the first application via the secure communications channel.

Abstract: Improved handling of couplable device recognition tasks in an electronic device such as a cell phone, smart phone, computer system, recording device or others is facilitated. Recognition of a couplable device such as a battery so as to enable exchange of power between the device and the battery or other couplable device functionality is determined by a match between one of a plurality of digital strings stored in the device and the decrypted response to an encrypted challenge derived from the one of stored strings. Control is exercised over the distribution of the encryption elements which enable the improved handling of the tasks.

Abstract: A secure evaluation assembly in which an encrypted communication of cardholder data from an input device to a remote host processing system may be securely evaluated. The secure evaluation assembly includes antitampering control electronics and a memory. The secure evaluation assembly memory contains information needed to decrypt data encrypted according to a first encryption method and information needed to encrypt data according to a second encryption method. Further, the secure evaluation assembly memory is encrypted according to a third encryption method. The antitampering control electronics are operative to decrypt the secure evaluation assembly memory and are further operative to decrypt cardholder data encrypted according to the first encryption method to produce unencrypted cardholder data.

Abstract: Methods, computer-implemented systems, and apparatus provide for a DRM Migrator that extracts embedded first license information that enables licensed access to content according to a first licensing system. The DRM Migrator sends the first license information to a server compatible with a second licensing system. After sending the first license information to the server, the DRM Migrator receives second license information that enables an end user to create a request for a license that provides access to the content according to the second licensing system. Another embodiment of the DRM Migrator also receives the first license information from a source and generates the second license information. After generating the second license information, the DRM Migrator sends the second license information to the source to enable creation of a request for a license that provides access to the content according to the second licensing system.

Abstract: A system for provisioning credentials onto an electronic device is provided. The user device may include a secure element and a corresponding trusted processor. A contactless registry service (CRS) applet running on the secure element may be used to manage the activation of one or more associated payment applets during a mobile payment transaction. The CRS applet may include at least a user input received flag and an authorization received flag. The user input received flag may be asserted in response to detecting a required user input for initiating payment. The authorization received flag may be asserted when the trusted processor sends an activation request to the secure element. A payment applet should only be activated when at least one of the user input received flag and the authorization received flag has been asserted.

Abstract: Techniques for providing a secure mesh network based on a cryptocurrency blockchain are provided. An electronic device can receive data from a mesh network to establish the device as a node on the mesh network. The established node can generate a cryptocurrency wallet that can be loaded with an amount of cryptocurrency. The established node can receive a payment for facilitating transfers on the mesh network including routing transactional or communication data. Public and/or private keys associated with the cryptocurrency wallets can be used to encrypt communications, thereby providing a secure mesh network. Further, the blockchain, which can be managed by one or more authorized nodes of the mesh network, can provide a payment system within the mesh network. The distributed nature of the mesh network allows it to operate securely without a central authority. In turn, the mesh network is more adaptable and flexible.

Abstract: A plurality of smart electronic wallets, each with a reconfigurable multiple-account transaction card, are selectively linked with each other through their respective network interface units to establish a community of smart wallet holders. The resulting community, along with other applications of the network interface unit, support various interfaces each defining modes of socio-economic interaction, such as personal identification number generation, payment scheduling employing multiple payment methods, transfer or trade of transaction cards across different smart electronic wallet devices, automatic completion of purchasing forms, and date arrangements.

Abstract: Provided is a distributed application that shifts certain server-side operations from geolocation analytics platforms to client computing devices to enhance consumer privacy and the collection and use of potentially sensitive, personal data about an individual and their mobile device.