Abstract: A distributed ledger is maintained in accordance with an enterprise. The distributed ledger includes a plurality of nodes such that one or more entities internal to the enterprise and one or more entities external to the enterprise each have access to at least one of the plurality of nodes. Electronic agreements (for example, product/service licenses) between at least a portion of the one or more entities internal to the enterprise and at least a portion of the one or more entities external to the enterprise are managed in association with the distributed ledger. Management includes generating and recording transactions associated with the electronic agreements on the distributed ledger to enable the one or more entities internal to the enterprise and the one or more entities external to the enterprise permissioned access to one or more of the recorded transactions.

Abstract: A fuel dispenser comprises fuel flow piping defining a flow path from a source of fuel toward a fueling nozzle. A plurality of fuel handling components are disposed along the fuel flow piping. Control electronics are in operative communication with the fluid handling components. A payment system includes a PIN pad that transmits secure tokens which are preferably cryptographically unique and independent such as not to be a function or derivative of network keys or user PIN. The tokens are then received and acted upon by a second subsystem to render PIN entry display data.

Abstract: Embodiments include systems and methods of a service that allows hard copy and electronic media customers to proactively specify, across a broad range of categories, the hard copy mail and/or electronic media mail that they would or would not like to receive. Embodiments include methods and systems configured to allow customers of delivery services to customize the flow of physical items such as hard copy or other letters or parcels, for delivery or electronic media mail from mailers based on highly specific customer-designated criteria. The delivery service acts as a trusted third party to serve as the intermediary between the recipient of the items and mailers to provide privacy and manage a repository for a customer-selected criteria database. In addition, one embodiment provides verification and/or identification that mail being sent meets the customer's designated criteria.

Abstract: Techniques are described for managing ownership and transfers of physical objects using information stored on a distributed ledger such as a blockchain. A distributed ledger may securely store object data describing the current owner(s) of an object, the previous owner(s) of the object, the history of transfers of the object, and/or other information regarding the object. Use of a distributed ledger may provide an immutable, readily auditable record of the current ownership and ownership history of the object. Each user participating in the system may be assigned a unique identifier to be used for conducting transactions on the distributed ledger network. A user may also be provided with a digital security token such as a cryptographic key that is useable to authenticate the user and enable access to the object data stored on the distributed ledger(s).

Abstract: The present application provides techniques for offline payments. The method includes: receiving an offline payment request for an offline payment through a target payment application, the offline payment being made by a user registered with the target payment application; receiving an identity authentication identifier (ID) of the user; determining that the identity authentication ID of the user matches a stored identity authentication ID previously stored for the user on the computing device; in response to determining that the identity authentication ID matches the stored identity authentication ID, receiving an offline payment certificate issued by the target payment application to the user and stored on the computing device; and providing the offline payment certificate to an offline payment service party of the target payment application, the offline payment service party configured to authorize the offline payment based on the offline payment certificate.

Abstract: A method of customizing authentication credentials for a payment card includes providing, by a payment card configuration circuit of a financial institution computing system, a card configuration interface to a computing device of a customer, the customer having a payment card account maintained by the financial institution computing system, receiving, by the payment card configuration circuit, a request from the computing device to modify an authentication requirement for use of the payment card account, the request including an authentication credential, and assigning, by the payment card configuration circuit, the authentication credential to a payment card associated with the payment card account, wherein the authentication credential is useable to authenticate a user of the payment card.

Abstract: A method of conducting a verifiable transfer of data over a network comprising generating a batch of data sets (18) at a secure database (14), each of the data sets comprising an identifier (22) and an indexed array of digital symbols, and transferring an encrypted version (30) from the secure database to a public database (28). The method, which may be performed in an environment like an on-line lottery, further comprises selecting one of the data sets of the batch and removing the selected data set from the batch and transferring the digital symbol associated with a user-selected index of the indexed array of digital symbols of the selected data set from the secure database to the user-operated device. Finally, the method comprises transferring a decryption key from the secure database to the public database and reproducing the batch of data sets at the public database.

Abstract: The present application provides techniques for offline payments. The method includes: receiving an offline payment request for an offline payment through a target payment application, the offline payment being made by a user registered with the target payment application; receiving an identity authentication identifier (ID) of the user; determining that the identity authentication ID of the user matches a stored identity authentication ID previously stored for the user on the computing device; in response to determining that the identity authentication ID matches the stored identity authentication ID, receiving an offline payment certificate issued by the target payment application to the user and stored on the computing device; and providing the offline payment certificate to an offline payment service party of the target payment application, the offline payment service party configured to authorize the offline payment based on the offline payment certificate.

Abstract: A method for generating transaction credentials for a user in a transaction, comprising: storing in a mobile device, an encrypted session key, and an encrypted user authentication credential; receiving an authorisation request; initiating a user authorisation process wherein in the event that the user is an authenticated user, the method comprises: decrypting the encrypted session key and encrypted user authentication credential; generating a transaction cryptogram in dependence on the user authentication credential and the session key; transmitting the transaction cryptogram and a user authentication status to a transaction processing entity for use in a transaction.

Abstract: A system and methods include a negative certificate authority for distributed management of negative certificates. An authorization restriction is associated with an untrusted user. A negative certificate generated for the untrusted user includes a public key associated with the untrusted user and an authorization restriction. The authorization restriction includes at least one global restriction, which is applicable to each consortium member that subscribes to the negative certificate. The authorization restriction includes at least one local restriction, which allows individual consortium members to further define their own locally applicable restrictions using the negative certificate authority. The negative certificate is accessible to each member of the consortium to enforce the authorization restriction against a transaction request. A secure contributor record including a unique cryptographically generated address is generated for each contributor.

Abstract: Disclosed herein are secure transaction systems having secure elements that are initialized and activated independent from each other. The secure element is first initialized to make the secure element turn to a state in which the secure element can be packaged, sold within retail stores, and then injected with encryption keys. The initialization process of the secure element formulates the secure element to ensure trust between the secure elements and secure element activation servers. The process of independently initializing and activating the secure elements while still addressing the security protocols allows the secure element to be packaged and sold within retail stores after initialization, and then activating the secure element at a later date and time when the secure element is ready to be used by a merchant.

Abstract: The method, the mobile device, and the payment terminal of the invention relate to security of contactless payment performed during a purchase of products or services by using a short-range wireless communication between the mobile device and the payment terminal. Various external parameters associated to the payment transaction may be exchanged between the mobile device and the payment terminal. Preferred embodiments comprise external parameters such as respective positions of the mobile device and the payment terminal, time stamps related to transaction processing time or identifiers of each the mobile device and the payment terminal. Difference values related to these external parameters are verified by both the mobile device and the payment terminal by carrying out comparison with reference values before validation of the payment transaction by the payment terminal.

Abstract: Methods and systems for providing merchant in-context checkout are described. A user is authenticated based on credentials received from a first application running on a computing device. An authentication code is provided to the first application. A signed verifier and the authentication code is then received from a second application running on the computing device. The authentication code and the signed verifier received from the second application are then validated, and a device token is provided to the second application upon validation. The device token is exchangeable by the second application for an access token that is usable for making payment calls from the second application.

Abstract: There is provided systems and methods for passwordless authentication through use of device tokens or web browser cookies. A user may enter into a checkout process with a merchant for a transaction requiring electronic transaction processing with a service provider. The checkout process may be performed prior to or without the user having previously established an account with the service provider for electronic transaction processing. The user may therefore provide user information, such as a name and financial information, and an account for the user may be established. To establish the account, the user is not required to enter a password, and the password is automatically set by the service provider. The service provider may then establish a token on the user's device during transaction processing that later authenticates the device for use of the account during future transaction processing when the token is received.

Abstract: A system may include a blockchain network, a trust entity, and multiple user devices. A smart contract of the blockchain network may be configured to receive data from the trust entity and transfer digital stable tokens to a first user's cryptocurrency wallet. The first user may generate a blockchain transaction on the blockchain network in order to transfer some digital stable tokens to a second user. The second user may cash out some of the digital stable tokens via a smart contract of the blockchain network. The smart contract may send an instruction to the trust entity's computing system to transfer fiat currency into a financial account of the second user. A token cross-chain bridge may also facilitate the exchange of cryptocurrency for digital stable tokens.

Abstract: Various examples described herein are directed to systems and methods for processing a payment using a mobile wallet network and issuer. A mobile wallet application provides payment information and an indication if payment may be done directly via the mobile wallet network to a point of sale (POS) terminal. The POS terminal determines which payment network to use. A bill may be sent to the mobile wallet application. The mobile wallet application requests payment authorization from an issuer. The issuer provides the authorization and the transaction is completed between the POS terminal and the mobile wallet application.

Abstract: The present invention provides a certificate issuing system based on a block chain, the system having a means for directly generating a certificate-specific public key and a certificate-specific private key in a user terminal operated by a user, guiding the certificate-specific public key and the certificate-specific private key so as to be generated in a state in which a network in the user terminal is blocked, and eliminating the costs incurred for constructing, operating, and maintaining the certificate issuing system having a high-grade security system linked therewith so as to block hacking, which occurred in the past, as much as possible, since the certificate-specific public key requiring maintenance is stored and managed in an electronic wallet, installed in servers that hold block chains, through a peer-to-peer network (P2P)-based distributed database, not by a server run by a certificate authority (CA).

Abstract: Auditing of mortgage documents is faster and simpler. An electronic mortgage application often contains or references a collection of many separate electronic mortgage documents. Electronic data representing an original version of an electronic mortgage document and its current version may be hashed to generate digital signatures. Any auditor may then quickly compare the digital signatures. If the digital signatures match, then the audit reveals that the electronic mortgage document has not changed since its creation. However, if the digital signatures do not match, then the electronic mortgage document has changed since its creation. The auditor may thus flag the electronic mortgage document for additional auditing processes.

Abstract: Due diligence of mortgage documents is faster and simpler. An electronic mortgage application often contains or references a collection of many separate electronic mortgage documents. Electronic data representing an original version of an electronic mortgage document and its current version may be hashed to generate digital signatures. Any auditor may then quickly conduct the due diligence by comparing the digital signatures. If the digital signatures match, then the due diligence reveals that the electronic mortgage document has not changed since its creation. However, if the digital signatures do not match, then the electronic mortgage document has changed since its creation. The auditor may thus flag the electronic mortgage document for additional due diligence. Regardless, a result of the due diligence may be incorporated into one or more blockchains.

Abstract: A method is provided for processing an electronic payment.