Abstract: A cloud-based service is provided that receives conditions for obtaining an object of value from an enterprise. A blockchain-based media of value is created on a blockchain for the object of value. A smart contract is generated an initiated on the blockchain to enforce the conditions with control over the blockchain-based media of value. When a customer provides actions or information that satisfies the conditions to the smart contract the smart contract returns the blockchain-based media of value to a customer wallet. The customer exchanges the blockchain-based media of value for the object of value from the enterprise. In an embodiment, the blockchain-based media of value is a non-fungible token (NFT).

Abstract: A consumer obtains a consent credential for a given retailer. The consent credential identifies receipt data, which the consumer is authorizing the retailer to obtain. A consumer engages in a wallet-to-wallet transaction with a retailer utilizing Decentralized Identifiers (DIDs) for the wallets of the consumer and the retailer. Receipt data is produced by a payment service on behalf of the retailer, the receipt data is signed by an issuing authority associated with the retailer and delivered as a receipt credential to the consumer. The receipt data is not maintained by the payment service nor the retailer. The retailer requests the receipt data after from the consumer after payment is processed for the transaction by the payment service. The consumer authorizes the request or denies the request, when authorized the receipt credential and corresponding authorized portions of the receipt data are provided from the consumer to the retailer.

Abstract: A list of items to pick for an order at a store is obtained. A hierarchical graph of the store is maintained based on regions within the store, endpoints within the store, and locations of items relative to the regions and endpoints. Each item in the list is connected to its nearest endpoint within the graph and a path is found between the endpoints. An optimized and order list of the items is found based on an optimal path through each endpoint. For each segment within the path a list of traversed endpoints is identified. The endpoints are grouped by region; a new navigation instruction is generated only when a given region is changed. The process is repeated for each pair of items in the list; the list is reduced; and translated into text as an optimal path to pick the items of the order within the store.

Abstract: A customer engages a Financial Institution (FI) for access to an account or a service associated with the account of the customer over a first channel of communication. A decentralized identifier (DID) connection is established between a FI wallet and a Self-Sovereign Identity (SSI)-enabled customer wallet. A structured message that is cryptographically signed is sent from the FI wallet to the customer wallet over a secure channel of communication. The message requests authorization of the customer or requests specific Personal Identifiable Information (PII) of the customer. The customer responds via the customer wallet and a second structured message is cryptographically signed and sent to the FI wallet over the secure channel of communication. When the second structured message is authenticated by the FI, the customer is approved for access to the account or approved for access to the service over the first channel of communication.

Abstract: A consumer obtains a consent credential for a given retailer. The consent credential identifies receipt data, which the consumer is authorizing the retailer to obtain. A consumer engages in a wallet-to-wallet transaction with a retailer utilizing Decentralized Identifiers (DIDs) for the wallets of the consumer and the retailer. Receipt data is produced by a payment service on behalf of the retailer, the receipt data is signed by an issuing authority associated with the retailer and delivered as a receipt credential to the consumer. The receipt data is not maintained by the payment service nor the retailer. The retailer requests the receipt data after from the consumer after payment is processed for the transaction by the payment service. The consumer authorizes the request or denies the request, when authorized the receipt credential and corresponding authorized portions of the receipt data are provided from the consumer to the retailer.