Abstract: A zero-knowledge proof purchase system and process using blockchain is disclosed. The system may comprise a customer device, a merchant system, an issuer system, and a blockchain network having a zero-knowledge proof (ZKP) smart contract. The system may implement a zero-knowledge proof algorithm having a key generator function, a proof function, and a validate function. Each function may be configured to perform various tasks in the system to support and enable zero-knowledge proof purchases.

Abstract: Systems and methods for peer-to-peer secure document exchange are disclosed. The system may allow a document provider to securely transmit a certified document to a document verifier using decentralized storage. The verifier system may generate a session key pair and transmit the session public key to a trusted API provider. The trusted API provider may generate a session nonce. The verifier system may transmit the session nonce to the provider system. The provider system may use the session nonce to retrieve the session public key. The provider system may encrypt a certified document using the session public key and store the encrypted certified document in the decentralized storage. The verifier system may retrieve the encrypted certified document by polling the trusted API provider based on the session nonce. The verifier system may decrypt the encrypted certified document using the session private key.

Abstract: A single sign-on system using blockchain is disclosed. The single sign-on system may interconnect various organization systems over a peer-to-peer network, with each organization system having a blockchain node and an application programming interface (API). The blockchain node invokes and uses a smart contract to write registration credentials to the blockchain during a registration process. During a login process, the blockchain node invokes the smart contract to determine whether login credentials match stored login credentials in the blockchain. In response to matching login credentials, the API may generate a single sign-on token that can be used by a user device to access one or more organization systems connected over the network.

Abstract: A system for integrating blockchain-enabled shared datasets across databases having varying formats and structures is disclosed. The system may include various entity systems in communication via a peer-to-peer network. A first entity system may receive a dataset update request to update the shared dataset. The first entity system may broadcast the dataset update request across the network, and one or more entity systems connected to the network may consent to the dataset update request. The consenting entity systems may broadcast the consented dataset update request to the other entity systems connected to the network. Each entity system may update its local copy of the shared dataset with the consented dataset update request. Each entity system may comprise a mapping module configured to reformat the consented dataset update request into a format that can be stored in a local data structure.

Abstract: A procurement system and process using blockchain is disclosed. The procurement system may facilitate procurement reconciliation between procurement initiators, clients, suppliers, and/or transaction processors, using blockchain. Each party may comprise a blockchain node configured to interact with a procurement blockchain. The procurement process may be controlled by a billing smart contract and a client smart contract configured to enforce data workflows and establish trust between the parties.

Abstract: A transaction account based micro-payment system using blockchain is disclosed. The system may receive a micro-payment request including a payment address from a merchant system. The system may invoke an account holder account smart contract and a directory smart contract. The system may write a plurality of micro-payment transaction debits to a transaction account based micro-payment blockchain via a blockchain node. The system may generate a transaction clearance event based on the account holder account smart contract. The system may write a micro-payment transaction clearance credit to the transaction account based micro-payment blockchain.

Abstract: A buyer-centric marketplace using blockchain is disclosed. A buyer may interact with the system to submit a buying request to a marketplace blockchain. One or more sellers may retrieve the buying request, generate seller quotes based on the buying request, and submit the seller quotes to the marketplace blockchain. One or more financial institutions may retrieve the seller quotes, generate financing products based on the seller quotes, and submit the financing products to the marketplace blockchain. The buyer can retrieve and review the seller quotes and the financing products, and select a seller quote and/or a financing product to complete the purchase.

Abstract: A transaction system and process using a token smart contract is disclosed. The system may receive a transfer notification comprising a user public blockchain address, a merchant public blockchain address, and a transaction amount. The system may retrieve a transaction account identifier and a merchant identifier based on the user public blockchain address and the merchant public blockchain address. The system may adjust a transaction account balance associated with the user identifier based on the transaction amount. The system may credit a merchant account based on the transaction amount.

Abstract: Systems and methods for fraud management using a distributed database are disclosed. The system may receive a payment request and generate a payment request hash by cryptographically processing the payment request using a hashing algorithm. The system may invoke a fraud reporting smart contract by passing the payment request hash and a public blockchain address to the fraud reporting smart contract. The system may query a local blockchain database to locate a fraud report matching the payment request hash to determine whether the payment request has been previously reported as fraud. In response to the payment request hash not matching the fraud report, the fraud reporting smart contract is configured to write the payment request hash to the blockchain as a second fraud report.

Abstract: Systems and methods for transaction authorizations using a distributed database are disclosed. The system may allow registered transaction account holders and merchants to interact and complete transactions according to workflows enforced by smart contracts. The system may include an issuer system that receives a transaction authorization request comprising a merchant ID, a transaction account number, a transaction amount, and a transaction ID. The issuer system may retrieve a merchant public key and a smart contract based on the merchant ID, and a user public key based on the transaction account number. The issuer system may invoke the smart contract by passing the user public key and the transaction ID to the smart contract. The system may propagate transaction data (e.g., the merchant ID, the transaction account number, the payment amount, a transaction status, etc.) to a blockchain network for writing to a blockchain according to the invoked smart contract.

Abstract: A single sign-on system using blockchain is disclosed. The single sign-on system may interconnect various organization systems over a peer-to-peer network, with each organization system having a blockchain node and an application programming interface (API). The blockchain node invokes and uses a smart contract to write registration credentials to the blockchain during a registration process. During a login process, the blockchain node invokes the smart contract to determine whether login credentials match stored login credentials in the blockchain. In response to matching login credentials, the API may generate a single sign-on token that can be used by a user device to access one or more organization systems connected over the network.

Abstract: The systems may include receiving a token request for a transaction from a merchant, the token request comprising a consumer identifier associated with a consumer and a merchant identifier (MID) associated with the merchant, matching the MID with a token requestor identifier (TRID) assigned to the merchant, matching the consumer identifier with an account identifier associated with a transaction account of the consumer, generating a digital token comprising the TRID and the account identifier, and transmitting the digital token to the merchant.

Abstract: The systems may include transmitting wallet provider script to a payment service provider server, presenting an electronic wallet payment tool on a merchant checkout page, receiving a first selection of the electronic wallet payment tool, retrieving an electronic wallet comprised in a transaction account associated with the consumer, transmitting transaction account information associated with a desired transaction account in the electronic wallet to the payment service provider server, receiving a virtual token from the payment service provider server, and/or transmitting the virtual token to payment service provider script integrated in a browser used by the consumer.

Abstract: The system integrates transaction account issuers, merchants, and consumers. A transaction account issuer may provide one or more APIs to merchants. The transaction account issuer may provide a sandbox environment for merchants to test applications with the APIs. The transaction account issuer may provide documentation to assist the merchants in integrating with the transaction account issuer. The transaction account issuer may notify the merchants of any changes to the documentation.