Abstract: Systems, devices, apparatuses, and methods for providing tokenization as a service are provided. Embodiments of the invention involve decoupling “tokenization service” from other services offered by a merchant service provider, and offering the tokenization service as a stand alone service. In accordance with an embodiment, a merchant service provider can receive payment data associated with a transaction between a consumer and a first entity. The merchant service provider can generate a payment token that represents the payment data and transmit a copy of the payment token to the first entity. The first entity can then transmit the payment token and order information to a second entity specified in the transaction. The merchant service provider can subsequently receive a request to complete the transaction from the second entity. The request can include the copy of the payment token from the second entity.

Abstract: The invention relates to a method for making a transaction of a contactless application secure, said application (11) being stored in the mobile terminal (10), said transaction taking place between the mobile terminal and a contactless reader (12), said terminal including a security element (14), said method comprising the following steps carried out by the mobile terminal: the application sends (E13) a token representing a piece of sensitive data and a first authentication value relating to the token to the reader, the security element receives (E16) the token and the related first authentication value from the reader, the security element calculates (E17) a second authentication value from the received token and compares the first authentication value with the second authentication value, and sending (E18) the result of the comparison to the reader, said reader cancelling the transaction if the result is negative.

Abstract: The present invention generally relates to a method, system and program product for modifying a supply of stable value digital asset tokens tied to a blockchain.

Abstract: The present invention generally relates to a method, system and program product for modifying a supply of stable value digital asset tokens tied to a blockchain.

Abstract: Systems, methods, and articles of manufacture to securely share data stored in a blockchain. A contactless card may receive a request to provide a data element from a device. An applet of the contactless card may encrypt the data element and a wallet address. The applet may generate a signature for the request, and transmit, to a mobile device, the signature and the encrypted data. The mobile device may transmit, to a verification service, the signature and encrypted data. The verification service may verify the signature based on a public key. A node in a blockchain may generate a block in the blockchain, the block comprising indications of the verification of the signature, the requested data element, and the wallet address. An encrypted data element corresponding to the data element may be decrypted using a public key. The device may receive the decrypted data element from the wallet address.

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: Subject matter disclosed herein relates to video content editing, and in particular, to video review workflow.

Abstract: One embodiment of the present disclosure provides a system and associated processes for sharing cardholder data (CHD) between a merchant that utilizes tokenization and a second merchant that may or may not utilize tokenization. In one embodiment, the merchant, or an employee of the merchant, can use the system and associated processes to reacquire CHD from a tokenization provider system. In one embodiment, the merchant identifies to the tokenization provider system a desire to share CHD, which is associated with a token, with a second merchant. The merchant and/or the tokenization provider system can then invite the second merchant to register with the tokenization provider system. Once registered with the tokenization provider system, the second merchant can access any CHD that the merchant associated with the second merchant.

Abstract: One-tap payment using a contactless card. An application may output an indication specifying to tap a contactless card to complete a transaction initiated in the application. The application may receive encrypted data generated by the contactless card based on a private key stored in the contactless card. The application may transmit a merchant identifier, a transaction identifier, and the encrypted data to an authentication server. The authentication server may verify the encrypted data based on the private key for the contactless card stored by the authentication server. A virtual account number server may generate a virtual account number. A merchant server may receive the merchant identifier, the transaction identifier, the virtual account number, an expiration date, and a card verification value (CVV), and process the transaction using the transaction identifier, the virtual account number, the expiration date, and the CVV.

Abstract: Embodiments are described that are directed to optimizing the provisioning of payment account credentials to mobile devices utilizing mobile wallets. In some embodiments, one of multiple provisioning schemes may be selectively chosen for payment account credential provisioning based upon a determined risk involved with a particular provisioning request. A low risk provisioning request leads to an immediate provisioning of a payment credential, whereas a provisioning request of high risk results in the provisioning request being denied. In some embodiments, medium risk provisioning requests will cause an additional user authentication to be performed before the payment account provisioning is finalized. The additional user authentication may occur using a separate communication channel than the channel in which the provisioning request was received.

Abstract: Application system for mobile means of payment comprising mobile devices. A service provider, an account manager, a balance manager and a mobile POS terminal for executing a payment transaction initiated by a merchant and receiving the result of it.

Abstract: A system for processing a debit transaction between a merchant and a consumer. The system includes one or more processors programmed to receive payment information for the consumer, collect authentication data for the debit card from the consumer, transmit an alias account number unique to the debit transaction to the merchant, receive a credit authorization message including the alias account number from the merchant, translate the credit authorization message to a debit authorization message using the authentication data, and transmit the debit authorization message to a payment processor.

Abstract: The described system and method allows a contact such as a mobile phone number to be associated with a specific mobile wallet account and by submitting a mobile phone number to an ecommerce site, a URL will be communicated to the contact which opens the payment wallet with the relevant information from the ecommerce transaction.

Abstract: A system of electronic identity verification across multiple services is provided and includes a password vault module adapted to enable a user to store a plurality of credentials for respective services of the user's choosing as well as a federated identity module adapted to enable a user to provide a single sign-on credential for a plurality of subscribing services. A common login module is accessible to both the password vault module and the federated identity module. When the user logs into the common login module, the user is authenticated for both services of the user's choosing and subscribing services. The system migrates stored user credentials in the password vault module to the federated identity module when a user-chosen service becomes a subscribing service. An integrated mobile wallet module enables financial transactions between the user and both the user-chosen services and subscribing services.

Abstract: A computer-implemented method for verifying cardholder authenticity when provisioning a token is provided. The method uses an authentication server system having a processor and a memory. The method includes receiving, by the processor, a payment card account identifier provided by a payment requestor. The payment card account identifier for identifying a payment account associated with a cardholder. The method also includes determining a plurality of authentication data associated with the payment requestor, and performing an authentication process using the plurality of authentication data. The authentication process is configured to determine if the payment requestor is the cardholder. The method further includes determining an assurance level associated with the authentication process. The assurance level represents a level of confidence in the authentication process.

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: Secure and auditable consolidation of results of an electoral process, in which local electoral authorities participate to validate local electoral results by generating a validation proof, which is communicated to a consolidation module that verifies that the validation proof has been generated by the appropriate electoral authorities and then generates a receiving proof, which contains the result of the validation, which could be the acceptance or non-acceptance of the validation proof. The receiving proof is finally sent to the electoral authorities. There are different ways of generating the validation and receiving proofs so as to be able to robustly verify the identity of the local electoral authorities who have participated in the validation of the electoral results and to verify if the validated local electoral results are the same that are going to be consolidated and to preserve integrity of the official records of the local electoral results.

Abstract: Embodiments enable a block chain distributed network arrangement system for facilitating a tiered dedicated block chain configuration to provide differing combinations of functions and levels of security. The system may identify factors within received information that indicate which dedicated block chain network should be used to record the received information. The dedicated block chains may be tiered based on the importance of the received information or a customer service level of a party associated with the received information. The system allows for recording of the received information in a distinct, dedicated block chain network that is appropriately configured for the functionality and/or security requirements of the received information.

Abstract: A system and method for managing digital rights. The method includes receiving a Universal Resource Identifier (URI). The URI is used to identify a location for a user selected digital media item. The digital media item is to be played in a local area network (LAN). The selected digital media item is retrieved from a content server over a network connection. If the selected digital media item is encrypted, a license to decrypt the selected media item is obtained. Access to the license is based on a plurality of access rules. The plurality of access rules are based on the terms of the license. The plurality of access rules may also include personal owner rules. If a request for the license adheres to the access rules, the license is received via a secure out of band transfer and the selected digital media item is decrypted for playback via one or more media rendering devices.

Abstract: The present invention relates to a method and system for activating a first mobile terminal and a second mobile terminal to operate with a server. The method performed by a processor of the mobile device, the method comprising: providing a first authentication data from said first terminal to the server; verifying said first authentication data; providing a first data set and a unique identity by said first terminal to the server; providing a recognition data to said first terminal; providing said recognition data to said second terminal; decoding said recognition data by said second terminal; providing to said server by said second terminal said decoded recognition data and a second identity, verifying by said server said decoded recognition data and providing a second data set to said second terminal; verifying the second data set by said second terminal; and executing an event with respect to result of said verification of the second data set.