Abstract: A method, apparatus, and system of activating and using a contactless card are disclosed. More particularly, a transaction card including a contactless enabled chip having payment information and identity information stored thereon, where the contactless enabled chip is configured to communicate the identity information to a mobile device via a contactless communication, and where the identity information comprises a cryptographic key, cryptographic token, or a digital certificate is disclosed.

Abstract: A mobile device includes a display device; a processor; and a memory device configured to store instructions that, when executed by the processor, cause the processor to: present, by the display device, a user interface to a user of the mobile device for accessing a mobile online banking application; upon accessing the mobile online banking application, provide, by the display device, an option to a create a mobile wallet; responsive to receiving an indication to create the mobile wallet, provide, by the display device, a list of accounts held by the user; and receive a selection of at least one account from the list accounts to provision the at least one account to the mobile wallet for use in future mobile wallet transactions such that the at least one account from the list of accounts is auto-provisioned to the mobile wallet.

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: 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: Payment tokens designed for display on a consumer's mobile device include dynamic trust data (e.g., transaction history and/or token generation date) along with financial account information, enabling merchants to make an informed decision about whether to accept payment without communication with the central processing system, and also protecting the consumer's account information from theft.

Abstract: A system and method for verifying account ownership using verified deposits. An ACH verification platform may recognize or detect a verification process involving microdeposits. A verification platform may receive and store user login, initiate the deposits, and monitor the user's account to verify that posting of the deposits was successful. In embodiments, a dedicated web form or portal may be provided for receiving verification information.

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: 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: Example systems and methods for dynamic identity decisioning include: receiving a request, from a third-party server, to confirm an identity of a user attempting a transaction through a third-party website displayed in a first application window on a user device of the user; causing the user device to display a second application window for presenting an identity decisioning application and at least partially overlapping the first window; assessing a risk level associated with the transaction based on identity verification data retrieved from the user device; and if the risk level exceeds a predetermined threshold, selecting at least one identity authentication exam for presentation to the user via the second window, determining an outcome of the at least one identity authentication exam based on a user response thereto, and determining an identity decisioning result based on the outcome; and presenting the result to the user via the second application window.

Abstract: The invention relates to a method for producing a cryptographically signed transaction for the transfer of an amount of a currency within a blockchain. The transaction comprises one or more inputs and one or more outputs. The method comprises: retrieving the one or more inputs, the inputs being a reference to one or more previous transactions, determining the one or more outputs, each output defining an amount to be transferred to a receiver indicated in the respective output, adding security information, the security information defining directly or indirectly a maximum amount to be spent with the transaction, and cryptographically signing the transaction by adding signature information.

Abstract: Transaction systems and methods are described for verifying transactions in a vehicle. The transactions utilize blockchains of a cryptocurrency to allow for verification of a transaction even where a live Internet connection is unavailable. The systems and methods utilize a digital wallet stored in the vehicle that allows for transactions with a passenger having a passenger digital wallet. A plurality of local nodes disposed in the vehicle store a local and updated copy of the blockchain to allow for verification of the cryptocurrency transactions even during periods of intermittent internet connectivity.

Abstract: A dispute resolution cryptocurrency sidechain system includes a system provider that determines that a transaction amount for a transaction has been received at a first public ledger address on a public ledger from a second public ledger address and, in response, allocates a sidechain address on a dispute resolution sidechain ledger. The system provider then sends, through a network to a payer and a payee involved in the transaction, the sidechain address, and monitors the sidechain address for dispute communications. Based on detecting a first dispute communication that is received at the sidechain address and that is signed using a private key that identifies the payer, the system provider device causes a portion of the transaction amount that was received at the first public ledger address to be sent to the second public ledger address.

Abstract: A computing system that includes at least one processor and at least one memory communicatively coupled to the at least one processor is disclosed. The computing system also includes at least one network interface communicatively coupled to the at least one processor and configured to communicate with at least one vault system, each of the at least one vault system storing a respective one of N private keys or key components associated with a customer. The at least one processor is configured to generate, at the customer device, a sweeping transaction that transfers all funds from at least one input transaction address in a customer wallet to a new transaction address. The at least one processor is also configured to sign the sweeping transaction using at least M of N private keys or key components.

Abstract: An example operation may include one or more of constructing a transaction proposal and sending the constructed transaction proposal to a plurality of endorsing nodes, by a client application of a computing system, wherein inputs to the transaction proposal are named using a blockchain naming system (BNS), receiving a set of transaction responses from the plurality of endorsing nodes, by the client application of the computing system, the transaction responses each comprising a transaction validation function, assembling the received transaction responses into a transaction, by the client application of the computing system, and sending the transaction to an orderer node for distribution, by the client application of the computing system.

Abstract: Systems and methods for anonymous cryptocurrency transactions are disclosed. A method may include: receiving, from the electronic device associated with a sender of a cryptocurrency transaction, a zero-knowledge statement comprising a shuffled and anonymized list of participants comprising the sender, a receiver of the cryptocurrency transaction, and a plurality of decoy participants, a transfer amount, and a remaining balance, and a secret witness, wherein each participant is associated with an index; generating one-out-of-many proofs for the sender and the receiver based on their associated indices; generating a Basic Zether proof for the transfer amount and the remaining balance; conducting many-out-of-many proofs with parameters chosen for an anonymous payment setting; and constructing a zero-knowledge proof for the zero-knowledge statement.

Abstract: A system is provided for automated recording of evidence of delivery of a service in a service setting. The system includes a mobile communication device, a web-based interaction component, and a service control system. The system includes a service interface device to generate an electronic signal. The electronic signal includes a first SMS transmitted to the mobile communication device and a second SMS transmitted to the service control system. The electronic signal also includes a first secured hash link executable by the mobile communication device, wherein executing the link records a first electronic evidence of service delivery. The electronic signal includes a second secured hash link executable by the service control system, wherein executing the second link records a second electronic evidence of service delivery.

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: A method of recordation request of a compound transaction to a blockchain distributed network, comprising steps of: the first node constituting the distribution network signing a compound transaction in which a plurality of sources of assets exist by a secret key of the node, when there is a remaining source by which the compound transaction needs to be signed, the first node transmitting the compound transaction to a second node constituting the distributed network, and when there is no remaining source by which the compound transaction needs to be signed, the first node transmitting the compound transaction to a third node constituting the distributed network to request recordation to the distributed network.

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 computing system that includes at least one processor and at least one memory communicatively coupled to the at least one processor is disclosed. The computing system also includes at least one network interface communicatively coupled to the at least one processor and configured to communicate with a customer device and a trusted third party. The at least one processor is configured to derive, using a hashing function, a multi-approval transaction address in a customer wallet from a first public key derived from a first parent public key, a second public key derived from a second parent public key, and a third public key derived from a third parent public key. The at least one network interface is also configured to transmit the multi-approval transaction address to the customer device.