Abstract: The present disclosure relates to a method and a tokenization server for generating and transmitting tokenized card information to a token requestor. In some non-limiting embodiments or aspects, the method includes receiving, from the token requestor, a request for a token corresponding to a payment card. The token may include a plurality of characters. Further, the method includes generating a token key corresponding to the token based on location information associated with a plurality of files stored in a user device. Subsequently, the method includes transmitting the token key, including location information within the plurality of files in the user device, to the token requestor. Here, the location information may include a location embedded with a character of the plurality of characters of the token. Thus, the present disclosure provides a secure method of generating, storing, and transmitting the tokenized card information.

Abstract: Techniques for generating and maintaining a student academic ledger are disclosed. In some embodiments, student data is received from a first set of one or more members of a blockchain network. In response, one or more distributed ledgers are updated in the blockchain network. The distributed ledgers are accessible to a student member of the blockchain network using a private key. The blockchain network receives requests from the student member to initiate a transaction with a second set of one or more members that requires access to at least a subset of the student data. Responsive to the request, the second set of one or more members are granted access to at least the subset of the student data from at least one distributed ledger.

Abstract: Systems, methods, and apparatuses for providing a customer a central location to manage permissions provided to third-parties and devices to access and use customer information maintained by a financial institution are described. The central location serves as a central portal where a customer of the financial institution can manage all access to account information and personal information stored at the financial institution. Accordingly, the customer does not need to log into each individual third-party system or customer device to manage previously provided access to the customer information or to provision new access to the customer information. A user additionally is able to have user data and third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal. Restrictions on how user data is used by devices, applications, and third-party systems can be imposed via a central portal.

Abstract: A method for enabling the use of blockchain smart contracts as part of a traditional payment transaction includes: receiving, by a receiver of a processing server, a transaction message for a payment transaction, wherein the transaction message is formatted according to one or more standards and includes a plurality of data elements storing transaction data, the transaction data including at least a bank identification value; determining, by a processor of the processing server, a routing plan for the transaction message based on at least the bank identification value; and transmitting, by a transmitter of the processing server, the transaction message to (i) a first computing system using a first communication port of the processing server, and (ii) a second computing system using a second communication port of the processing server, based on the determined routing plan.

Abstract: Methods, systems, and apparatuses are described herein for authenticating access to an account using questions which allow users to provide textual information about transactions conducted by an account. A machine learning model may be trained to predict the guessability of merchants. A request for access to an account may be received, and transaction data for that account may be received. An authentication question may be presented. For example, a user may be prompted to list places they have shopped recently. A user response comprising text data may be received. The text data may be processed to identify one or more merchants. If the one or more merchant(s) are represented in the transaction data, the machine learning model may be used to determine the guessability of the one or more merchants. An authentication score may be determined based on the guessability, and access to the account may be provided.

Abstract: A method for mediating an atomic swap includes: receiving a swap request from a first computing device including a first address associated with a first blockchain and a network identifier associated with a second blockchain; identifying a second computing device using the network identifier and a second address associated with the second blockchain; generating a proof value and a hashlock using the proof value; transmitting (i) the hashlock and second address to the first computing device, and (ii) the hashlock and first address to the second computing device; verifying a first blockchain transaction on the first blockchain for transfer to the first address, and a second blockchain transaction on the second blockchain for transfer to the second address; and transmitting the proof value to blockchains node associated with the first and second blockchains.

Abstract: Audio/speech-based and text-based interactions between a transaction terminal and a user conducting a transaction are provided. In an embodiment, the terminal may establish a direct wireless connection to a user-operated device or an indirection wireless connection to the user-operated device through a proxy device. In an embodiment, the wireless connection is automatically established through a different out-of-band wireless communication between the terminal and the user-operated device. In an embodiment, text-based data for the transaction are provided over a second simultaneous wireless connection that is different from the wireless connection associated with providing the audio/speech data. In an embodiment, audio/speech data provided from the user during the transaction are enhanced for security and are filtered for accuracy using audio-based processing and/or image-based processing. In an embodiment, a speech-to-text and text-to-speech interface for a transaction at the terminal is provided.

Abstract: Systems and methods which provide the ability for users to track the lifecycle and conditional rules associated with credentials, which can include digitally verified third-party assertions of identity, education, licensing, work history, provenance, authenticity, outcomes, ingredients, etc. through a network of certified primary source or primary source equivalent issuers of credentials. Verifiable data registry technology can be used to provide access to information associated with the credentials, such as validity and schemas. Credential presentation and subscription processes are also utilized. Ecosystem communication and management functions can be executed through various agent instances associated with the actors, including administrators. Rating systems and fee transactions are also managed.

Abstract: Described herein are various embodiments of methods and systems for distributing temporary control of an asset. For example, a method can include receiving an indication of an execution of a transfer of temporary control between a granting entity and a receiving entity of a unit of an asset comprising a plurality of units. Transaction data comprising a duration of the temporary control of the unit can be received and recorded in a distributed ledger of a blockchain network. Logic and rules corresponding to conditions of transfer of the temporary control of the unit of the asset can be identified. The method can include receiving a granting entity authentication key and determining that whether the transaction data meet the logic and the rules of the conditions of transfer.

Abstract: A method of accessing an account includes receiving randomly generated seed information and an encrypted cryptographic key or token generated by a contactless card using the seed information via a contactless communication between the contactless card and the customer device; determining whether the randomly generated seed information matches previously received seed information; decrypting the encrypted cryptographic key or token using a decryption process that includes the seed information and the encrypted cryptographic key or token as inputs in response to determining that the randomly generated seed information does not match previously received seed information; identifying the customer associated with the contactless card based on the decrypted cryptographic key or token; and providing, to the customer device, access to the account in response to identifying the customer.

Abstract: An improved decentralized, blockchain-driven network for artificial intelligence (AI)-enabled skills exchange between Intelligent Personal Assistants (IPAs) in a network is disclosed that is configured to perform computational tasks or services (also referred to herein as “skills”) in an optimally-efficient fashion. In some embodiments, this may comprise a first IPA paying an agreed cost to a second IPA to perform a particular skill in a more optimally-efficient fashion. In some embodiments, a skills registry is published, comprising benchmark analyses and costs for the skills offered by the various nodes on the skills exchange network. In other embodiments, a transaction ledger is maintained that provides a record of all transactions performed across the network in a tamper-proof and auditable fashion, e.g., via the use of blockchain technology. Over time, the AI-enabled nodes in the system may learn to scale, replicate, and transact with each other in an optimized—and fully autonomous—fashion.

Abstract: Methods and apparatuses for enabling efficient evaluation of transactions in a distributed ledger network are described. In one embodiment, a distributed ledger technology (DLT) node that is to evaluate multiple transactions determines dependencies between the transactions. Each transaction includes an input parameter and an output parameter. The input parameter includes indicators of states of addresses in the distributed ledger network that are to be used as inputs to the transaction. The output parameter includes addresses whose respective states are modified by the transaction. The DLT node evaluates the transactions based on the dependencies, where the evaluation of the transactions includes evaluating a first and a second transaction in parallel when the first transaction and the second transaction are independent from one another, and evaluating the first transaction and the second transaction sequentially, when the first transaction and the second transaction are not independent from one another.

Abstract: A request to exchange of a first quantity of a first fungible digital token type stored within a smart contract instance recorded in a public trust ledger and owned by a first party within the public trust ledger may be received via a communication interface at a database system. The request may authenticate a first account in the database system. The first account may be linked with the first party within the public trust ledger. The smart contract instance may be executed to determine whether the requested exchange is permissible based on one or more transaction rules included within the smart contract instance. The database system may be updated to reflect a transaction recorded within the public trust ledger when it is determined that the requested exchange is permissible.

Abstract: Aspects of the present disclosure involve a system and a method for performing operations comprising: receiving, by a messaging application, a request to access a third-party resource; in response to receiving the request, obtaining a user interface data corresponding to the third-party resource; generating, for display on a client device, a graphical user interface of the third-party resource based on the markup-language document; generating for display a menu with an option to authorize the third-party resource to access user data from the messaging application; and authorizing the third-party resource to access the user data from the messaging application in response to a user interaction with the menu.

Abstract: Systems and methods for providing risk determination in a crypto currency transaction include receiving, through a network via a broadcast by a first payer device, a first crypto currency transaction that includes a first payee public address. A first request for a determination of risk associated with the first crypto currency transaction is then identified in the first crypto currency transaction, with the first request including risk criteria. A first payee involved in the first crypto currency transaction is then identified using the first payee public address, and first payee risk information is accessed via at least one external risk information database based on the identification of the first payee. If it is determined that the first payee risk information satisfies the at least one risk criteria in the first request, the first crypto currency transaction is provided for addition to a block in a crypto currency public ledger.

Abstract: A method of a payment for an Internet of Things (IoT) device is provided. The method includes steps of: a payment supporting server (a) on condition that the payment supporting server has registered certificates of the IoT device, a service providing device, and a digital wallet in a first blockchain, manages their transaction IDs, has registered a representative hash value in a second blockchain, manages their transaction IDs, and manages link information between the IoT device and the digital wallet, confirming validity of a billing transaction, and (b) acquiring identification information on the digital wallet; and (c) paying the billing detail using the digital wallet, registering its payment result in the first blockchain, registering in the second blockchain, if one anchoring condition is satisfied, a first representative hash value, and transmitting the payment result to the service providing device, the IoT device, and the digital wallet.

Abstract: A method of selectively locking a cryptographic digital asset includes instructing or requesting the creation or minting of a plurality of cryptographic tokens via a first common digital contract registered to a distributed ledger. Each cryptographic token is a digital asset that includes at least one attribute that is operative to evolve or change through a plurality of evolutionary stages. The plurality of cryptographic tokens are then instructed to be transferred to a plurality of token holders. The method further includes receiving a request from a token holder to selectively lock their digital asset at one of the plurality of evolutionary stages; and instructing or requesting the transfer of a second cryptographic token to the token holder, the second cryptographic token having at least one attribute that is at least partially derived from the evolutionary stage of the digital asset at the time of the request.

Abstract: Systems and methods for authentication may include an authentication server. The authentication server may include a processor and a memory. The processor may be configured to receive a cryptogram associated with a first near field communication data exchange format (NDEF) read. The processor may be configured to perform a first factor authentication of the cryptogram. The processor may be configured to receive a first data set, wherein the first data set is associated with a second NDEF read. The processor may be configured to extract metadata from the first data set. The processor may be configured to perform, after the first factor authentication, a second factor authentication based on the metadata. The processor may be configured to generate a message indicative of an outcome of the second factor authentication. The processor may be configured to transmit the message that instructs the processor to effectuate one or more actions.

Abstract: In an example embodiment, information about one or more failed payment attempts via an electronic payment processing system is obtained. One or more features are extracted from the information. Then, for each of a plurality of potential candidate retry time points, the one or more features and the potential candidate retry time point are fed into a dunning model, the dunning model trained via a machine-learning algorithm to produce a dunning score indicative of a likelihood that a retry attempt at an input retry time point will result in a successful payment processing. The dunning scores for the plurality of potential candidate retry time points are used to select a desired retry time point. Then the electronic payment processing system is caused to attempt to reprocess a payment associated with one of the failed payment attempts at a time matching the desired retry time point.

Abstract: A method for securing a split private key (such as used with a cryptocurrency or other non-custodial electronic wallet) amongst a password, biometrics, and a social service. The process may use a sharding scheme such as Shamir's Secret Sharing to ensure that multiple key shards must be obtained before the entire private key can be obtained. The user may select the number of shards required to retrieve the private key thereby controlling the security of the account. An additional shard may be held on an encrypted server and allows for account recovery even while maintaining non-custodial ownership of the wallet.