Abstract: If a user loses an electronic device that has the capability to conduct financial transactions, the user may report that the electronic device is lost using a lost-device software application to a management electronic device associated with a provider of the electronic device. In response to receiving this information, a disabling command is sent to a payment network associated with the financial account of the user to temporarily disable use of the electronic device to conduct the financial transactions. In particular, the electronic device may include a secure element that stores a payment applet for a financial account, and the disabling command may disable a mapping from a virtual identifier for the financial account to a financial primary account number. Subsequently, if the user finds the electronic device, the user may re-enable the capability (and, thus, the mapping) by providing authentication information to the electronic device.

Abstract: A remittance processing method includes recognizing an amount of money in a message being input into a chatroom of a messenger run on an electronic device, calling a remittance function to the chatroom in response to the amount of money being recognized in the message, and processing a remittance transaction to another user in the chatroom as a remittance target with respect to the amount of money, in response to a remittance request from a user of the electronic device.

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: Electronic voting systems and methods use “proof of work” technology to protect casted votes. Voting system comprises a voting platform and a plurality of voter devices. During the election time period, each voter device performs a multiple computational iterations. For each iteration, each voter device produces a voting data block that comprises, for each iteration, the one or more user votes by the user of the voter device in the election and a nonce that is unique for each iteration. The voter devices also compute a measure for each cryptographic digest computed in each iteration. The measure can be a measure of a property or aspect of the cryptographic digest, such as a measure of the number of consecutive bits of the cryptographic digest that are identical. After completion of the multiple iterations, the voter devices transmit to the voting platform, via the data network, the voting data block corresponding to the digest with the best measure of all the calculated cryptographic digests.

Abstract: Method and system of performing transactions with a payment card in a managed integrated payment environment comprising an integrated circuit are disclosed comprising interacting with an integrated circuit on a received payment card to obtain card data by a payment terminal and determining whether full online transaction processing of the card data is required. If full online transaction processing of the card data is required, the card data is sent to a point-of-sale terminal, which sends the card data and a transaction total for the transaction to a merchant gateway, which obtains approval or denial of the transaction. The approval or denial is provided to the PIN pad by the merchant gateway via the point-of-service terminal. The PIN pad also receives transaction data and sends the transaction data and card data to a services processor to collect metadata, perform fraud and security checks, and/or encrypt the card data.

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: Provided are a method and an apparatus for management of a block-chain-based subject data according to an exemplary embodiment of the present disclosure. A block-chain-based subject data management method which is performed by a processor of a subject data management apparatus includes: creating subject data in accordance with a request of a user device; creating first metadata related to the subject data; creating a first block including the created first metadata to store the first block in a block chain included in the subject data management apparatus; creating first code information based on information included in the first block; and storing the created first code information and the subject data in a database, and the first code information is used as address information of the database in which the subject data is stored.

Abstract: A data record structure adapted for transmission over a network; the data record generated on a network device participating in a Blockchain which has an device unique identifier; the data record structure containing at least a first record and a first unique identifier record; the first record containing data for transmission over the network to a device having a receiving device unique identifier; the first unique identifier record containing the device unique identifier. Also disclosed is a method of verification of identity of devices participating in a block chain; said Block chain comprising a plurality of ledgers held on a plurality of network devices; said network devices communicating contents of the ledgers between them over a network; said devices verifying the contents of the ledgers as part of the step of communicating the contents of the ledgers; said method comprising incorporating a unique identifier of a network device within the ledger maintained by the network device.

Abstract: Systems and methods for authorizing a real-time transaction with a third party platform (TPP). The system includes a memory that stores instructions for authorizing the real-time transaction with the TPP. The system also includes a processor configured to execute the instructions. The instructions cause the processor to: generate a tokenized personal identification number (PIN) based on a request to register with the TPP, the request including a customer PIN and an authorization token; transmit the tokenized PIN and the authorization token to the TPP, wherein the TPP stores the tokenized PIN and the authorization token; in response to receipt, at the TPP, of a request for the real-time transaction from a customer, receive the tokenized PIN from the TPP; decrypt the tokenized PIN to extract the customer PIN; and transmit instructions including the customer PIN to a service provider, the instructions comprising a command to provide access to a vehicle.

Abstract: The Social Data Tracking Datastructures, Apparatuses, Methods and Systems (“SDTD”) transforms brokerage order request, blockchain transaction request, agency action request inputs via SDTD components into brokerage order confirmation, transaction confirmation, agency action notification outputs. An order of a user for an order processing entity is obtained. A blockchain data node, which facilitates access to user-owned read data, associated with the order is determined. A blockchain identifier of the blockchain data node and a blockchain identifier of the order processing entity is provided to an access control node and the user-owned read data is obtained. The order is executed using the user-owned read data. A write access blockchain node, which grants the order processing entity permission from the user to create one or more blockchain data nodes, is determined. A new blockchain data node is created that facilitates access to the user-owned write data associated with the executed order.

Abstract: Embodiments of the invention include a method of performing a payment transaction comprising receiving transaction data by a PIN pad terminal from a point-of-sale terminal, and receiving tender from a customer, by the PIN pad terminal. Tender data and the transaction data are sent to a service gateway, by the PIN pad terminal. The service gateway collects metadata from the tender data and the transaction data. The tender data is sent by the PIN pad terminal to the point-of-sale terminal, which sends the tender data and the transaction data to a merchant gateway for approval or denial of the tender data. The tender data sent to the POS may be encrypted. The service gateway may provide customer and merchant analytics based on the metadata, as well as perform security/fraud checks, BIN management, PIN pad management. Systems are also disclosed.

Abstract: A system, method, and computer readable storage medium configured for delivering services from a server to ensure multimedia content control by content providers (i.e. reduce piracy) and to ensure privacy by content users is described. The method begins with executing at least a portion of a content media player application to the device using a zero-knowledge protocol to ensure privacy of the user. Examples of zero-knowledge verifiable computing are succinct computational integrity and privacy (SCIP) protocol, zero-knowledge succinct non-interactive argument of knowledge (zk-snark) protocol, and probabilistically checkable proof (PCP) protocol. The content media player application includes digital right management technology using zero-knowledge verifiable computing to enforce usage conditions on the multimedia content. A response is received from the user device that the content media player application has executed on the user device.

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: To facilitate conducting a financial transaction via wireless communication between an electronic device and another electronic device, the electronic device determines a unique transaction identifier for the financial transaction based on financial-account information communicated to the other electronic device. The financial-account information specifies a financial account that is used to pay for the financial transaction. Moreover, the unique transaction identifier may be capable of being independently computed by one or more other entities associated with the financial transaction (such as a counterparty in the financial transaction or a payment network that processes payment for the financial transaction) based on the financial-account information communicated by the portable electronic device.

Abstract: Extracting the beneficial elements from Bitcoin, discarding the negative aspects of this ground breaking currency, BitMint*LeVeL replaces the single public/private key formula with coin-owner selected surprise formulas to shift security responsibility to the trader, and create a quantum safe currency with robust anonymity while maintaining a smooth extension of legacy currency, and relying on a community of mints (an InterMint) to keep the community in control.

Abstract: Disclosed are methods and systems for recording data based on a plurality of blockchain networks. One method comprises: in response to receiving data to be recorded, generating a first-type blockchain transaction comprising the data; transmitting the first-type blockchain transaction to the first-type blockchain network; recording one or more first-type blockchain transactions into a first-type block; recording the first-type block on a blockchain of the first-type blockchain network; determining a transaction hash of each of the one or more first-type blockchain transactions in the first-type block; recording one or more second-type blockchain transactions into a second-type block; and recording the second-type block on a blockchain of the second-type blockchain network.

Abstract: The present invention provides a method, an apparatus, and a system for transmitting and receiving information by using a QR code. The method can receive a first QR code including second terminal identification information from a second terminal, transmit the second terminal identification information to a server, receive, from the server, encryption information of the second terminal on the basis of the second terminal identification information, generate first terminal encryption information by using encryption information of the second terminal to encrypt encryption information of a first terminal, transmit the first terminal encryption information to the second terminal, receive, from the second terminal, a second QR code that is generated on the basis of the first terminal encryption information and that includes information data, and obtain the information data by using decryption information of the first terminal to decrypt the second QR code.

Abstract: A method for conducting an offline data exchange associated with a blockchain includes: storing a structured data set associated with a blockchain network, the data set including a network identifier, unspent output hash, output index, output value, and key pair; receiving the network identifier and a transaction amount from a point of sale; validating the structured data set as including the network identifier and an output value greater than or equal to the transaction amount; transmitting the unspent output hash and output index to the point of sale; receiving a destination address from the point of sale; generating transaction data including the destination address and a payment amount based on the transaction amount; and transmitting the transaction data to the point of sale.

Abstract: Methods, systems, and apparatus for automatically assembling documents. The system includes a client device which communicates a document file. The system includes a server which receives, from the client device, the document file, and automatically detects document data. The server stores a data resource, and transform the data resource to include the document data. The server provides access to the data of the data resource to the client device and a preparer client device when the preparer is authorized by the user. The server removes access to the data of the data resource to the preparer client device when authorization of the preparer is removed by the user. The server provides access to a client device associated with a new preparer when the new preparer is authorized by the user. The server provides the data resource to a secondary system configured to automatically generate a completed form for the user.

Abstract: The present invention generally relates to the use of stable value digital assets and/or fiat-backed digital assets as cryptocurrencies that can be linked to other digital assets using blockchain technology and/or through a peer-to-peer network. In embodiments, the present invention relates to specific applications of non-fungible digital assets tied to a peer-to-peer network, such as a blockchain network.