Abstract: A method includes obtaining, by a first computing device, a digital exchange item of a group of exchange items, where the group of exchange items are associated with first sharing parameters, the digital exchange item is associated with second sharing parameters, and the second sharing parameters have priority in a conflict over the first sharing parameters. The method further includes sending, to a server, a request to share the digital exchange item with a group of computing devices. The method further includes determining, by the server, that the digital exchange item can be shared. The method further includes generating replications of the digital exchange item. The method further includes the server uploading the replications to digital wallets associated with the group of computing devices such that each computing device of the group of computing devices has access to the digital exchange item.

Abstract: Embodiments described herein provide a client system for facilitating enhanced offline payment. During operation, the system obtains a location indicator, which indicates the location of a service, from a charging system. The system then generates an offline code that allows access to the service and corresponds to the location indicator. The offline code can be readable by the charging system, and the client system and the charging system can both be offline. Subsequently, the system encodes the historical data associated with the service in a field of the offline code and sends a message comprising the offline code to the charging system.

Abstract: Systems and method for linking a social media handle to a financial account and providing a payment handle are disclosed. The payment handle is a unique identifier that allows a social media user to enter the payment handle in a checkout page within the social media ecosystem to authorize payment for goods or services. An account provider system can create a first payment handle to associate with a first social media system and a second payment handle to associate with a second social media system. The payment handle can be generated according to a list of preferred goods, merchant lists, or maximum transaction amounts. Rather than entering a credit card number, expiration date, address, and other data into a conventional checkout page, the system can enable a user to checkout simply by entering the payment handle and hitting “submit” (or similar).

Abstract: A data processing method, an apparatus, a device, and a medium in a blockchain fund settlement system are provided. A data processing method in a blockchain fund settlement system, performed by at least one processor of a settlement institution terminal, includes: querying, on a blockchain, a settlement request that is to be processed by the settlement institution terminal between a fund settlement initiator and a fund settlement recipient, the settlement request being generated by an initiator terminal of the fund settlement initiator and recorded on the blockchain; receiving the settlement request based on the querying; and generating a settlement result of a settlement performed according to the settlement request, and recording the settlement result on the blockchain.

Abstract: A system for initiating secure guest checkout includes an application server; and an untrusted user interaction device that is in communication with the application server. The untrusted user interaction device has a unique device identifier that is registered with the application server.

Abstract: Provided is a system, method, and apparatus for aggregated authentication in an online, open loop payment network. The method includes receiving a single authentication request message to conduct a plurality of transactions with a plurality of merchants, the single authentication request message comprising an aggregation identifier, detecting the aggregation identifier in the single authentication request message, in response to detecting the aggregation identifier, generating a single authentication response message comprising a plurality of authentication codes, each authentication code of the plurality of authentication codes corresponding to a merchant of the plurality of merchants, and communicating the single authentication response message to the merchant system, the single authentication response message configured to cause the merchant system to separately process each transaction of the plurality of transactions.

Abstract: In processing a transaction, a data storage system of a processing system stores and updates a progression created for the transaction that represents a timeline of events that occurred related to the transaction. When an event for a transaction occurs, the data storage system identifies data associated with the event. The data storage system creates an event signature for the event by hashing together the identified data. The data storage system identifies a stored progression of the transaction. The data storage system identifies a transaction signature included in the last record added to the progression. The data storage system creates a transaction signature for the event based on the transaction signature of the last record and the event signature created for the event. The data storage system adds a new record to the progression for the event and includes the transaction signature created for the event in the new record.

Abstract: A system, device and method of confidential secure custodial transfers of asset between entities utilizing transaction agents implemented via a distributed ledger (e.g. a blockchain). In particular, the transaction agents securely record each of the transactions on the ledger utilizing obfuscated or proxy data state such that information about the transactions cannot be gleaned from the ledger. In particular, the transaction agents are able to enforce business rules of the system by requesting zero-knowledge proofs from participants to the transaction (e.g. sender and recipient) in place of actual data for the transaction. The zero-knowledge proofs are able to be designed to prevent an observer of the distributed ledger from determining any information of the transaction that is taking place.

Abstract: A method for generating a cryptographic promissory note for posting to a blockchain includes: receiving an authorization request for a payment transaction, the authorization request being a transaction message formatted based on one or more standards that includes a plurality of data elements including a first data element configured to store a blockchain address and a second data element configured to store a transaction amount; generating a promissory note including the transaction amount; digitally signing the generated promissory note with a private key; encrypting the signed promissory note with a symmetric key; wrapping the symmetric key with a public key corresponding to the private key and a public key associated with an acquirer involved in the payment transaction; and electronically transmitting a blockchain transaction to a blockchain network that includes the encrypted promissory note, each symmetric key, and the blockchain address.

Abstract: There are provided systems and methods for automated data tokenization through networked sensors. A network of data sensors may detect that a user is likely to engage in electronic transaction processing with a merchant device, for example, based on an action performed by the user and/or with a user device. One or more of the sensors may connect with the user's device and retrieve financial data from the device and/or data necessary to issue a token to the device for transaction processing. The sensor may perform a background process to issue the token to the device, and once onboarded, may store the token to the user's device and/or the merchant device that the user is likely to interact with for transaction processing. The token may be limited in use by location and/or amount, or may be used to fully onboard the user with the token service provider.

Abstract: Systems, methods, articles of manufacture, and computer-readable media. A web browser of a device may receive selection of a uniform resource locator (URL). An operating system may download an application from an application server based on the URL. The application may identify a plurality of applications installed on the device and select a first institution corresponding to a first application. The application may receive a cryptogram from a contactless card associated with the first institution and transmit the cryptogram to an authentication server. The application may receive an authentication result specifying the authentication server decrypted the cryptogram. The web browser may receive, based on the decryption of the cryptogram, an account number, an expiration date associated with the account number, and a card verification value (CVV) associated with the account number. The web browser may provide the account number, expiration date, and CVV to a server associated with the application.

Abstract: Multiple video game consoles each store a blockchain ledger with multiple blocks, which is either associated with a particular video game or with a the particular type of video game console that the video game consoles are each characterized by. One of the consoles receives a message identifying an intended transaction corresponding to transfer of an identified quantity of an in-game virtual asset from a transferor account to a transferee account. The console verifies that the intended transaction is valid and generates a new block that includes the transaction, optionally one or more additional verified intended transactions, and a block header that includes a hash of a most recent block in the blockchain ledger. The console appends the new block to the blockchain ledger and transmits it to the other consoles, which each also append the new block to their copy of the blockchain ledger, thereby completing the transaction.

Abstract: A payment-enabled mobile device is placed in communication with a POS (point of sale) terminal to facilitate a purchase transaction. A user selects a payment account in the payment-enabled mobile device. Payment credentials are transmitted from the payment-enabled mobile device to the POS terminal. The payment credentials include a PAN-length identifier that identifies an issuer of the selected payment account.

Abstract: Systems and methods for controlling distributions by an automated electronic networked central clearinghouse are disclosed. Exemplary implementations may: receive an exchange request that indicates a first user offers a first digital asset for a reversible exchange on a fiat-currency-based online exchange platform; obtain asset-specific distribution rights for the first digital asset; receive exchange information regarding the reversible exchange with an exchanging user; monitor, during a waiting period, whether any actions taken by the exchanging user determine reversibility of the reversible exchange, or whether the waiting period for reversibility times out; based on a time-out or a determination regarding reversibility, either (i) transfer the ownership of the first digital asset to the first user, or (ii) clear the reversible exchange by non-temporarily transferring the ownership to the exchanging user, and by distributing benefits in accordance with the asset-specific distribution rights.

Abstract: A payment system implemented on a mobile device authenticates transactions made via the mobile device. The mobile device generates a public-private key pair and receives an authenticating input from a user of the device. The public key is sent to a secure payment system, and the authenticating input is used to generate a symmetric key that encrypts the private key. After a transaction is initiated, the mobile device receives an authenticating input from the user. The symmetric key is generated from the authenticating input and the mobile device attempts to decrypt the private key from the encrypted private key using the symmetric key generated by the user's input. The decrypted key is used to sign a transaction authorization message which is sent to the secure payment system, along with payment information, which can verify the signed message via the public key. Additional techniques related to secure payments are also disclosed.

Abstract: An apparatus in one embodiment comprises a processing platform having at least one processing device. The processing platform implements a trusted bridge configured for at least temporary coupling between one or more data sources and a smart contract program of a blockchain. The trusted bridge comprises a secure enclave component and a relay component. Data obtained from a given one of the data sources via the relay component of the trusted bridge is authenticated in the secure enclave component of the trusted bridge. Information based at least in part on the data authenticated in the secure enclave component of the trusted bridge is provided to the smart contract program of the blockchain via the relay component of the trusted bridge. The secure enclave component illustratively receives a request for authenticated data from the blockchain smart contract program via the relay component, and responds to the request via the relay component.

Abstract: A system and method for authenticating a location of a payment acceptance device is provided. The method comprises receiving a transaction request comprising merchant data, the merchant data identifying the payment acceptance device and location information identifying a location at which the transaction request is initiated; retrieving, from a database, a payment acceptance device identifier based on the merchant data, the payment acceptance device identifier identifying a location at which the payment acceptance device is registered; authenticating the location of the payment acceptance device by comparing the location information and the location identified by the payment acceptance device identifier.

Abstract: A system may include a license publishing server, a plurality of licensing servers arranged in a cluster and configured to communicate with the license publishing server to obtain a given number of authorized licenses for virtual computing sessions associated with the cluster, and a plurality of geographically distributed virtualization servers configured to obtain authorized licenses from the plurality of licensing servers and run virtual computing sessions for client computing devices based upon the authorized licenses.

Abstract: A method of media content discovery and playback, the method including receiving a query for media content items from a search client, the query including one or more user subscriber group identifiers and a plurality of search criteria, filtering a plurality of available media content items according to the query to generate a list of matching content items among the plurality of available media content items, returning the list of matching content items to the search client, receiving from the search client a selection token with a content item to subscriber group mapping, providing the token to a user rights manager, receiving a signature authentication from the user rights manager, and issuing a playback key to the search client.

Abstract: Technologies are shown for controlling a transaction on a digitally stored blockchain by creating a contract data block for a transaction involving entities and by event code executed after receipt of digital signatures from the entities. A refund transaction may be digitally signed by entities and linked to the contract block within the blockchain. A payment transaction block may also be digitally signed by entities and linked to the contract block. Code authorized to execute by the blocks executes based on receipt of digital signature events.