Abstract: A distributed ledger system has a configuration in which each of the distributed ledger subsystems includes a sub-ledger that holds ledger data shared in the distributed ledger subsystems, and a smart contract that interlocks between the distributed ledger subsystems having a common sub-ledger to perform a transaction processing related to an input and output of the ledger data, transmits a transaction request targeted for ledger data of another sub-ledger managed by another distributed ledger subsystem to another distributed ledger subsystem having the common sub-ledger by receiving a predetermined transaction request from a predetermined device and executing the smart contract, and replies with a transaction reply obtained from the other distributed ledger subsystem to the predetermined device.

Abstract: A computer-implemented method includes receiving, by a federated identity computing system, identity information from a customer; receiving, by the computing system, preferences for the identity information from the customer, wherein the preferences govern distribution of the identity information to requesting parties; generating, by the computing system, a key specific to the customer; and provisioning, by the computing system, the key to an identification chip associated with the customer. The computer-implemented method further includes receiving, by the computing system, the key and a request for one or more pieces of the identity information from a requesting party and providing, by the computing system, the requested one or more pieces of identity information to the requesting party based on the key and the preferences.

Abstract: The invention relates to a method implemented by a system (S1) comprising a first server (H-TSP) of a home token service provider and a second server (R-TSP) of a roaming token service provider, the method comprising: receiving (S86), by the second server, a roaming token (R-PAN) allocated to a mobile payment card (C1) for operating in a roaming banking network (R-NT); obtaining (S88), by the second server, based on the roaming token (R-PAN), a home token (H-PAN) allocated to the mobile payment card for operating in a home banking network (H-NT); receiving (S94), by the first server, the home token (H-PAN); and obtaining (S96), by the first server, based on the home token (H-PAN), a primary card number (C-PAN) of the mobile payment card for operating in the home banking network.

Abstract: A processor receives global positioning system data from a mobile device of a user of an account. The processor further receives information from a vendor, indicating that a transaction using the account was attempted. The processor determines, based on historical transaction and location information, and current transaction information, a probability that the transaction is fraudulent. In response, the processor rejects the transaction, and deactivates a card and mobile wallet of the user. The processor also sends a notification to the mobile device requesting a voice confirmation. The processor receives the voice confirmation, splits it into a set of voice characteristic data and determines, based on voice characteristic data stored in memory, that the voice confirmation was generated by the user. In response, the processor reactivates the card and the mobile wallet and stores a set of information describing the transaction in memory.

Abstract: A system and method receive a plurality of crypto profiles that include customizable rules for different cryptocurrencies and operating state information that initialize containerized lending applications. The system and method ink the crypto profiles to a matching engine before the containerized lending applications and the matching engine match a plurality of borrower requests for a debt or an equity denominated in a cryptocurrency to lending requests. The system and method collect cryptocurrency payments in response to the use of the debt or the equity by the borrower. Each containerized lending application include executable software, runtime code, system tools, and system libraries that enable the containerized applications to run on two or more computing environments without modification.

Abstract: The present invention relates to payment handling apparatus (10) which is operable to effect payment from a purchaser to a vendor. The payment handling apparatus (10) comprises a purchaser's device running a purchaser program (12) which is operable by the purchaser and a vendor's device running a vendor program (16) which is operable by the vendor. The purchaser's device (12) and the vendor's device (16) are in data communication with each other by way of a communication channel (26). The purchaser program is configured to encrypt a payment message and to convey a payment request to the vendor program by way of the communication channel (26). The payment request comprises the encrypted payment message. The payment handling apparatus is configured to encrypt a confirmation message and to convey a confirmation code to the purchaser program in dependence on receipt of the payment request by the vendor program. The confirmation code comprises the encrypted confirmation message.

Abstract: Provided is a computer-implemented method for automatically encoding data in an electronic communication. The method includes the steps of receiving an electronic communication including textual data, the textual data including account data inputted with a microphone and processed with a speech recognition system, in response to receiving the electronic communication, automatically processing the textual data, identifying the account data based on processing the textual data, generating at least one token, wherein the at least one token is unique to the account data, generating a modified electronic communication based at least partially on the textual data and the at least one token, the modified electronic communication comprising the at least one token, and communicating the modified electronic communication to a recipient system. A system and computer program product for automatically encoding data in an electronic communication are also disclosed.

Abstract: A system of electronic communication is disclosed. The system may: create a Pre-Authentication Transaction Number (Pre-ATN) by combining a number with a Special Encode Value (SEV), wherein the SEV is a single digit integer value; encrypt the Pre-ATN using a Format Preserving Encryption (FPE) to generate an encrypted Authentication Transaction Number (ATN); and send the encrypted ATN to an access control server (ACS) to use the encrypted ATN to generate a cardholder Authentication Verification Value (CAVV) or an Accountholder Authentication Value (AAV).

Abstract: A method for implementing blockchain-based transactions comprises: determining a transaction amount to be remitted from a remitter's blockchain account into a receiver's blockchain account, wherein a balance of the remitter's blockchain account comprises multiple reserve balances, and commitments of the reserve balances are recorded in a blockchain; selecting one or more of the reserve balances from the remitter's blockchain account, wherein the sum of the selected one or more reserve balances is not smaller than the transaction amount; and submitting to the blockchain a transaction comprising an identification of each of the selected one or more reserve balances and a commitment of the transaction amount, for the selected one or more reserve balances to be removed from the remitter's blockchain account and the transaction amount to be added to the receiver's blockchain account.

Abstract: Embodiments of the invention are directed to systems and methods for conducting a transaction utilizing a cryptocurrency. The user may fund a cryptocurrency account with his pre-existing cryptocurrency. An issuer may purchase cryptocurrency within a cryptocurrency exchange. The user may then utilize a payment device (e.g., a Crypto Debit Card) that is associated with a cryptocurrency balance to conduct a transaction with a merchant for goods and/or services. An authorization request message may be transmitted to the authorizing entity computer. The authorizing entity computer may determine a cryptocurrency amount corresponding to the fiat currency transaction amount of the authorization request message. A sell request message may be transmitted to an exchange that facilitates the sale of the cryptocurrency amount.

Abstract: A method for processing a plurality of electronic messages comprises, at a messaging hub comprising at least one processor and a memory device in communication with the at least one processor: receiving data relating to at least one rule to be satisfied by combining at least part of the content of respective messages; receiving one or more intent messages followed by one verification message; and, upon receiving a message: updating, in the memory device, intent message data or verification message data depending on the message content; determining from the intent message data and/or the verification message data if the at least one rule has been satisfied; providing a first indication when the at least one rule has been satisfied by the verification message data alone; and providing a second, different, indication when the at least one rule has been satisfied otherwise.

Abstract: A method for authenticating a transaction includes: receiving, by a transaction processing unit of a computing system, a request for a transaction on a user account; generating, by the transaction processing unit, a personal identification number (PIN) and/or alert message; transmitting the PIN to a mobile device associated with the user account after a person requesting the transaction refuses authentication by a PIN-to-device process; and canceling, by the transaction processing unit, the transaction when a response to the PIN and/or alert message is received from the mobile device within a specified period of time.

Abstract: The different advantageous embodiments provide a system for managing license utilization comprising a client system, a number of message transport servers, and a number of license management servers. The client system is configured to generate a number of messages having information about usage associated with a project code or a business unit. The number of message transport servers replicates the number of messages. The number of messages is transmitted to a message transport server in the number of message transport servers. The message transport server receiving the number of messages replicates the number of messages to each message transport server. The number of license management servers has a number of license management services configured to listen for updates from the number of message transport servers. The updates are the number of messages replicated across the number of message transport servers.

Abstract: The application provides a method, apparatus, and electronic device for implementing blockchain-based transactions.

Abstract: A computing device having a software radio (e.g., a mobile device where the software radio is substantially defined in software) transmits first information related to a financial transaction over the first radio network to the financial institution, and transmits second information related to the financial transaction over the second radio network to the financial institution. A server of the financial institution receives the first information and the second information to carry out the financial transaction.

Abstract: An example operation may include one or more of identifying a transaction from a blockchain node to be committed to a blockchain, determining available channels for assignment, assigning a channel to the blockchain node, and transmitting the transaction to the blockchain on the assigned channel.

Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. Microservices on the transaction exchange platform may interact with the transaction objects based on configured workflows associated with the transactions. Processing on the transaction exchange platform may facilitate clearing and settlement of transactions. Some aspects may provide for dynamic and flexible reconfiguration of workflows and/or microservices. Other aspects may provide for data snapshots and workflow tracking, allowing for monitoring, quality control, and auditability of transactions on the transaction exchange platform.