Abstract: In a method for activating account-variable transaction cards having private and public card encryption keys stored therein, private and public personal keys are associated with an account and transmitted to an account holder device. A request for activation of an account-variable transaction card is received by a central processor from the user device. The request includes information encrypted using at least the private personal key and the private card key. The central processor associates an account function with the account-variable transaction card and initiates via a first node in a distributed consensus network, an account blockchain associated with the account and the account-variable transaction card.

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: Systems and methods are provided for leveraging blockchain technology in a swarm learning context, where nodes of a blockchain network that contribute data to training a machine learning model using their own local data can be rewarded. In order to conduct such data monetization in a fair and accurate manner, the systems and methods rely on various phases in which Merkle trees are used and corresponding Merkle roots are registered in a blockchain ledger. Moreover, any claims for a reward are challenged by peer nodes before the reward is distributed.

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: Methods and systems for authenticating a short-range communications HCE (Host Card Emulation) application for mobile communications devices. HCE application data can be transmitted to each registered mobile communications device among a group of mobile communications devices for storage of the HCE application data in a non-volatile memory associated with each registered mobile communications device. The HCE application data include a unique identifier, an expiry date, and an authentication key valid only for a user of each registered mobile communications device. The authentication key can then be diversified by the expiry date and the unique identifier so that the authentication key is only usable for a limited amount of time and the unique identifier is only usable for a single mobile communications device.

Abstract: Digital or “smart” contracts execute in a blockchain environment. Any entity (whether public or private) may specify a digital contract via a table identifier in a blockchain. Because there may be many digital contracts offered as virtual services, the table identifier uniquely identifies a particular decision table and/or the digital contract offered by a virtual machine, vendor or supplier. The blockchain is thus not burdened with the programming code that is required to execute the decision table and/or the digital contract. The blockchain need only include or specify the table identifier (and perhaps one or more contractual parameters), thus greatly simplifying the blockchain and reducing its size (in bytes) and processing requirements.

Abstract: A method of communicating a payment request from a first payment platform to a second payment platform is disclosed. The method may receive a payment request from a sending user on the first payment platform to a receiving user on the second payment platform where the payment request from the sending user is translated into a protected payment request. In response to the sending user being known, the protected payment request may be communicated to the second payment platform. An acceptance of the protected payment request from the second payment platform may be received. A transaction settlement request may be communicated to the first payment platform and the second payment platform.

Abstract: Systems and methods for transferring between accounts in the absence of sensitive information needed to perform a direct transfer between accounts are described herein. In an embodiment, an intermediary system receives a request to perform a digital electronic transfer of an item from a first online account to a second online account through the intermediary system, wherein the intermediary system does not have access to the sensitive information for either the first online account or the second online account.

Abstract: Techniques and systems described below relate to systems and methods to access and store blockchain data. In various examples, a client computer system submits a blockchain-agnostic request to a computing resource service provider and the service provider processes the request. The chain-agnostic request may be a request that is interoperable between multiple blockchain protocols, such that, for a given request, the request can be fulfilled using multiple underlying blockchain technologies. A computing resource service provider may receive and process chain-agnostic requests by decoding or otherwise interpreting the requests and routing the requests for fulfillment using one or more chain adapters that are accessible to the computing resource service provider. The service provider may determine metadata associated with the request and determining how to fulfill the request, which may include accessing computing resources of the computing resource service provider and/or the associated blockchain network.

Abstract: An E-commerce protocol is provided. The E-commerce protocol has been developed as a solution to malicious attacks such as credit card fraud and stealing of various financial data, wherein the malicious attacks appeared particularly in a cyber world. With the help of the E-commerce protocol, a manipulated version of user information in an E-commerce database removes security risks of compromising on E-commerce systems. Even though a user does not have to share personal information of the user with E-commerce companies, an application also eliminates a necessity of entering the user information for each online transaction.

Abstract: Systems, methods, articles of manufacture, and computer-readable media for secure authentication based on identity data stored in a contactless card associated with an account. An application may receive an indication specifying to perform an operation. The application may receive encrypted data from the card. The application may receive an indication that the authentication server decrypted the encrypted data. The application may determine a type of data required to authorize the operation. The application may receive data comprising passport data or driver license data from the card. The application may determine that the data satisfies a rule for authorizing the operation and authorize performance of the operation based on the authentication server verifying the encrypted data and the data satisfying the at least one rule.

Abstract: Systems and methods are provided for minting payment tokens to conduct transactions within a blockchain-based supply chain payment network. The payment tokens can be pegged to fiat currency or digital currency. The payment tokens can be minted by a computing system that is a node in the blockchain-based supply chain payment network. A number of payment tokens to be provided to a network participant as payment can be determined. The network participant can be a supplier associated with the blockchain-based supply chain payment network. The number of payment tokens can be provided for deposit in a digital wallet associated with the network participant as payment. The cryptocurrency tokens can be redeemed as fiat or digital currency.

Abstract: A smart contract clause can be generated with a processor communicatively coupled to a blockchain supported by a peer-to-peer network. The smart contract clause can be automatically invoked in response to a sensor-generated signal, wherein the sensor-generated signal corresponds to at least one or more predefined contract variance conditions. The smart contract clause can be embedded in a smart contract in the blockchain.

Abstract: A method and device for managing an emergency procedure of an emergency transaction mode that can be activated in the event of a computer attack on or a failure of a transaction network. The method may be carried out by an electronic device suitable for performing a transaction in a normal mode or in the emergency mode. The method performs operations that may include receiving an activation command for activating the emergency mode procedure, where the command includes an identifier of the procedure and first encrypted data; verifying the activation command, which includes verifying the first encrypted data; and if verification of the command is successful, activating the emergency procedure.

Abstract: A method for encapsulating transaction instrument information in a transaction includes storing, in association with a first transaction and by a processor of the primary transaction processor server, payment data associated with a payment instrument used to settle a cost of a first transaction. The primary transaction processor server transmits the transaction data to a payment network processor. The primary transaction processor server receives an authorization package from the payment network processor that includes a cryptograph and a first network token. The processor of the primary transaction processor server generates a secondary token, and stores a correlation record to a computer-readable memory. The correlation record associates the secondary token to a second object stored by the primary transaction processor. The processor of the primary transaction processor server transmits a second transaction package including at least one of the network token and the secondary token to a merchant device.

Abstract: A cryptographic anonymization method, apparatus, and system are disclosed. An example apparatus includes a server configured to receive encrypted usage information and an identifier from an application operating on a user terminal and trans-cypher the encrypted usage information from a first encryption scheme to a second encryption scheme to create second encrypted usage information without decrypting the encrypted usage information. The server is also configured to convert and encrypt the identifier to an encrypted unique identifier. The server is further configured to compare the second encrypted usage information to a taxonomy of data labels using rules. For each match of at least some of the second encrypted usage information to a data label, the server is configured to add the encrypted unique identifier to the matching data label. The server uses the data labels and/or the encrypted unique identifier for serving advertisements to the user.

Abstract: Methods, apparatus, and system to provide access to a blockchain computer system as a service to a non-blockchain computer system through an application programming interface, wherein the application programming interface is configured through a portal computer and wherein application programming interface calls are implemented by an application programming interface processing computer.

Abstract: A method of rescinding access to blockchain data may include the addition of metadata to an entire blockchain or to component blocks in a blockchain which contain the encrypted keys for each owner or otherwise authorized party. Said metadata may be added when a block is created, including metadata to store state and communicate information. After a blockchain is published, an authorized party may request rescission of access to one or more blocks or the entire blockchain by appending one or more instruction blocks to the chain. The other parties authorized to access this block or blockchain may agree to said request. If a sufficient number of parties have agreed to rescind, the removal of access keys may be publicly confirmed with the result that the original data held within the block or blockchain can no longer be decrypted.

Abstract: Digital or “smart” contracts execute in a blockchain environment. Any entity (whether public or private) may specify a digital contract via a contract identifier in a blockchain. Because there may be many digital contracts offered as virtual services, the contract identifier uniquely identifies a particular digital contract offered by a virtual machine, vendor or supplier. The blockchain is thus not burdened with the programming code that is required to execute the digital contract. The blockchain need only include or specify the contract identifier (and perhaps one or more contractual parameters), thus greatly simplifying the blockchain and reducing its size (in bytes) and processing requirements.

Abstract: Apparatus and methods for securing mobile payments during periods when network connections to a cloud computing environment are unavailable are provided. A mobile device may store one or more transaction maps. The transaction maps may include limitations on where offline payment requests may occur and be approved. Limitations may include monetary limitations on a value of an offline payment request. The mobile device may include a secure location for storing the one or more transaction maps. A transaction map may define one or more logical transaction zone. A logical transaction zone may define geographic limits on offline payment requests.