Abstract: Various embodiments are generally directed to utilizing an offline and/or online verification or authentication protocol to access, redeem, or otherwise utilize multiple loyalty points and loyalty accounts A method for utilizing various loyalty points includes: determining that a user is requesting access to a loyalty points account database, receiving encrypted data generated based a cryptographic algorithm and a diversified key, receiving, a verification of the user, the verification including verifying a data combination that includes the encrypted data, where a server associated with the issuer may decrypt the data combination based on the cryptographic algorithm and the diversified key, responsive to receiving the verification of the user, accessing the database associated with a loyalty points account of the user, and authorizing a redemption of a plurality of loyalty points associated with the loyalty points account.

Abstract: A system for authenticating a user may comprise at least one subsystem that contacts a device associated with the user, at least one subsystem that receives a device identification key from the device, at least one subsystem that receives a signal comprising a voice sample from the device, at least one subsystem that compares a voice pattern of the voice sample to that of a previously recorded voice sample of the user, and at least one subsystem that compares the received device identification key to a previously stored device identification key associated with the device associated with the user.

Abstract: Techniques for enhancing the security of a communication device when conducting a transaction using the communication device may include using a limited-use key (LUK) to generate a transaction cryptogram, and using a signature key to generate a signature. The transaction can be an offline data authentication transaction, and access can be granted based on authentication of the signature prior to verifying the transaction cryptogram.

Abstract: The systems, methods, and computer program products (collectively “systems”) described herein are generally configured to monitor actions in digital channels. More specifically, the systems described herein are capable of initiating a transaction with a transaction account based on an action in any suitable digital channel. The systems are capable of syncing transaction accounts with various digital channels. Moreover, the systems are capable of initiating or completing transaction based on user information. The systems may also be capable of providing rewards based on activities or accomplishments in the digital channels. Moreover, the systems may be capable of verifying activities based on transaction information.

Abstract: Systems and methods which facilitate fixed rate shipping through the use of perpetual value bearing shipping labels are disclosed. The substantially perpetual viability of the value borne by perpetual value bearing shipping labels herein provides a shelf life which exceeds a shipping rate change epoch. Perpetual value bearing shipping labels of embodiments, although providing valid viable postage for use in obtaining shipping services, are provided as fungible products and do not include delivery or date information as pre-produced and made available to shippers in advance of their shipping activity. An on-line fulfillment system may be provided in which shippers may select a desired number of perpetual value bearing shipping labels in one or more value bearing amount for purchase by and delivery to the shipper for later use. Perpetual value bearing shipping labels may also be made available to shippers is through point of sale acquisition.

Abstract: The subject matter disclosed herein relates to regulating the operation of component object model add-ins associated with a user interface.

Abstract: A “Bring Your Own License” (BYOL) service can convert users' “off-the-shelf” (OTS) software licenses for use in public clouds according to rules provided by independent software vendors (ISVs). The rules provided by an ISV can convert the terms associated with the ISV's OTS software licenses (e.g. number of instances, number of users, duration, technical support provided) to terms associated with public clouds (e.g. number of concurrent users, number of virtual machines, number of different clouds, technical support). The BYOL license service can convert the OTS software licenses according to the rules provided by the ISVs.

Abstract: One or more servers may receive an instruction to change a modulation format, associated with one or more optical channels, from a first modulation format to a second modulation format; provide the instruction to change the modulation format to a network device, associated with the one or more optical channels, to cause the network device to change the modulation format, associated with the one or more optical channels, from the first modulation format to the second modulation format; and determine that a license repository is to be updated based on receiving the instruction to change the modulation format. The license repository may store one or more licenses. The one or more servers may generate a license update instruction to update the license repository based on determining that the license repository is to be updated and output the license update instruction to cause the license repository to be updated.

Abstract: The invention provides an authentication system and method. In particular, the invention provides a method for performing a financial authentication utilizing a token associated with a user, the method comprising the token generating a set of display characters that are viewable by the user, the token generating the display characters using logic; the user transforming a portion of the set of display characters using a transformation process, based on knowledge of the user, so as to form a display character sequence; the user outputting the display character sequence to an authentication entity; and the authentication entity authenticating the display character sequence using the logic and knowledge of the transformation.

Abstract: A system, method, and computer readable storage medium configured for a transactional database management system shared by all computing nodes participating in a system based on a blockchain protocol. The transactional database management system includes transactions and blocks, where the transactions are data to be stored in the blockchain and the blocks are records that confirm when and in what sequence certain transaction became journaled as part of the blockchain. A request is received signed with a signature of a user system to include a new transaction with additional data in the blockchain. In response to the signature being verified and hash of batches of receive transaction into the block being verified. The block are added that records the new transaction with additional data in the blockchain using within the transactional database management system.

Abstract: Systems and methods of monitoring financial information of a consumer for fraudulent activity. One method can include receiving an account closure event from an event provider, determining if the account closure event is associated with financial information of the consumer, generating a notification, and providing the notification to the consumer. Another method can include receiving a returned check event from an event provider, determining if the returned check event is associated with financial information of the consumer, generating a notification, and providing the notification to the consumer.

Abstract: Systems and methods provide at least one software application to users from a software monitor computer server. The software application requires a license grant for use. The software monitor computer server tracks usage of the software application to develop historical use patterns. The software monitor computer server also receives calendar input from electronic calendars of the users and analyzing the calendar input to identify future calendared uses of the software application. This allows the software monitor computer server to predict the future license grant needs of the software application based on the historical use patterns and the future calendared uses of the software application. The software monitor computer server also provides substitute software applications to the users when an insufficient number of license grants are available to meet the future calendared uses of the software application.

Abstract: Applications in a data center can be consolidated by identifying different combinations of software executing on hardware. The software can include a set of applications that execute upon a set of servers. The different combinations can have different arrangements of applications running on different ones of the servers. For each of the different combinations, a licensing cost, an operating cost, and a total cost can be calculated. The total cost of operation for each of the configurations can be calculated by summing the licensing costs, the operating costs adjusted for the cost savings for complementary workload patterns, and migration costs for adjusting a current configuration of the applications and servers to arrive at the configuration. The total cost results per configuration can be reported to a user for at least a set of the configurations.

Abstract: Access to a content selection may be regulated by accessing a medium associated with the content selection, identifying a profile associated with the medium, using the profile to analyze a content request with a multitiered rule base that includes two or more of a medium rule base, a media player rule base, and a host rule base, and enabling access to the content selection in accordance with one or more results of the analysis.

Abstract: Unauthorized products are prevented from being sold on online websites. Product identifier keys and private authentication keys are stored in a database of an authentication server. Each identifier key serves as an address for its corresponding authentication key in the database. A product and a security seal are displayed on a webpage served by a website. An identifier key and an authentication key for the displayed product are encoded into the security seal. In response to selecting the security seal, the website extracts the encoded identifier key and authentication keys, and sends them to the database. The authentication server determines whether the displayed product is genuine and authorized when a match is made between the extracted keys and the stored keys.

Abstract: This disclosure provides various embodiments of systems and methods for secure communications. In one aspect, the system includes a secure payment module (SPM) in a fuel dispenser and a point-of-sale (POS) system. The POS system stores a public key certificate uniquely identifying the SPM and is configured to dynamically generate a first session key. The POS system encrypts the first session key with a public key associated with the public key certificate, and transmits the encrypted first session key to the SPM. The SPM, which stores a private key associated with the public key certificate, is configured to receive and decrypt the first session key. The SPM is further configured to receive a set of magnetic card data from a card reader, encrypt the set of magnetic card data with the first session key, and transmit the encrypted set of magnetic card data to the POS system.

Abstract: An exemplary method includes a subsidized access management system detecting a request provided by an access device associated with a user to access network content by way of a secure connection within a network provided by a network service provider, the network content associated with a content provider and maintained by a content provider system, determining that a data usage charge for access by the user to the network content by way of the secure connection within the network is subsidized by the content provider in accordance with a subsidized access arrangement between the content provider and the network service provider, and providing the user with subsidized access to the network content by way of the secure connection within the network in accordance with a rule set associated with the subsidized access arrangement. Corresponding methods and systems are also disclosed.

Abstract: Described is cryptographically managed telecommunications settlement occurring in real time with generation and termination of a telecommunications channel. Upon the generation of a communications channel, a contract fund is established between two or more telecommunications services and recorded on a cryptographic ledger. Over the course of regular intervals of channel service, cryptocurrency is released from the contract fund. Upon termination of the communications channel, the released amount of the contract fund is transferred to the receiving provider telecommunications, the remainder back to the requesting telecommunications service. Transactions between cryptocurrency wallets are all published to the cryptographic ledger.

Abstract: This document describes tools capable of managing digital content from multiple content providers based on a user's identity. By so doing, the tools may free people from the limitations of their storage media and devices. The tools may perform these and other actions through an indirect relationship with users, such as when third-party content providers use the tools but provide their own direct interface with users.

Abstract: In one embodiment, a method comprises receiving a unique identifier from an item and sending a communication to an electronic device requesting that a user confirm a pending transaction, receiving input from the electronic device associated, and sending the received input to an authentication system for completing a transaction. In another embodiment, a system comprises a sensor, an authentication system, and a transaction processing system. The sensor is configured to emit energy and receive at least one first identifier, send at least one communication to an electronic device requesting a second identifier, receive at least one second identifier, and send the at least one first identifier and the at least one second identifier to the authentication system.