Abstract: A method for generating digital certificates for anonymous users in blockchain transactions includes: storing a blockchain comprised of a plurality of blocks, each block including a block header and transaction values, where each transaction value includes data related to a blockchain transaction including a sending address, recipient address, and transaction amount; receiving a certificate request from a computing device, the request including a user public key of a cryptographic key pair; identifying a subset of transaction values in the blockchain where the sending address or recipient address was generated using the user public key; determining a confidence level based on the data included in each transaction value included in the subset; generating a digital certificate based on the determined confidence level; and transmitting the generated digital certificate to the computing device.

Abstract: The invention enables optimizing performance of a recommendation server. The invention comprises (i) receiving a first set of customer information corresponding to a first set of events recorded in a first time period in which the recommendation server operates in a first configuration state, (ii) generating a first performance evaluation score based on the first set of customer information, (iii) reconfiguring the recommendation server to operate in a second configuration state having a second performance evaluation score associated therewith, and wherein said second performance evaluation score is generated based on a second set of customer information corresponding to a second set of events recorded in a second time period in which the recommendation server operates in the second configuration state and (iv) transmitting to a terminal device, one or more electronic offers selected for transmission to the customer by the recommendation server operating in the second configuration state.

Abstract: A method for contextual authentication based on computing devices includes: storing an account profile related to a transaction account including an account identifier and a timestamp and a device geolocation for at least two computing devices; receiving an authorization request for a payment transaction including the account identifier, a transaction geographic location, and a transaction time; identifying an authentication score for the payment transaction based on a comparison of the transaction time and transaction geographic location to the timestamp and device geographic location for each of the at least two computing devices; and transmitting the identified authentication score and received authorization request to a financial institution associated with the transaction account.

Abstract: A method for validating access to data files using a combination of secure data values includes: storing at least a first check value and a seed value in an account profile; receiving a data request message including at least a first data value, a second data value, a timestamp, and a data file request from a computing device; identifying a second check value using a predetermined algorithm applied to at least the seed value and the timestamp; validating the first data value using the first check value and the second data value using the second check value; and transmitting one or more data files indicated in the data file request to the computing device upon successful validation of the first data value and the second data value.

Abstract: A method for facilitating foreign transactions through inter-currency exchanges and geographical matching includes providing a platform to consumers located in different countries, where a consumer in a first country that desires a product from a second country is matched to a consumer in the second country that desires a product in the first country; the consumers are matched and transactions initiated by the platform to provide transfer of any necessary payment to ensure that each consumer can make the purchase on behalf of the other consumer in their own country, for shipping to the consumer in the other country, negating the need for the consumers to make any international purchases directly while still availing themselves of foreign products without involving merchants and minimizing the effect and amount of cross-border transactions.

Abstract: A method for authentication of coupons using a blockchain includes: storing transaction data for a payment transaction, wherein the transaction data includes at least a transaction amount; receiving an identification value; receiving a block included in a blockchain, wherein the block includes at least a block header and a plurality of transaction values, each transaction value including at least a coupon identifier and coupon data; executing a query on the received block to identify a specific transaction value of the plurality of transaction values where the included coupon identifier corresponds to the received identification value; and executing a query on the memory to update at least the transaction amount included in the stored transaction data based on the coupon data included in the identified specific transaction value.

Abstract: A method for generating digital certificates for anonymous users in blockchain transactions includes: storing a blockchain comprised of a plurality of blocks, each block including a block header and transaction values, where each transaction value includes data related to a blockchain transaction including a sending address, recipient address, and transaction amount; receiving a certificate request from a computing device, the request including a user public key of a cryptographic key pair; identifying a subset of transaction values in the blockchain where the sending address or recipient address was generated using the user public key; determining a confidence level based on the data included in each transaction value included in the subset; generating a digital certificate based on the determined confidence level; and transmitting the generated digital certificate to the computing device.

Abstract: A system and a method for optimizing supply of rental vehicles, comprising receiving customer data associated with a plurality of customers from a plurality of sources; classifying the customers into a plurality of segments, based on said data, each segment being indicative of vehicle rental preferences of customers in the segment; determining whether any customers have already opted for a vehicle rental; determining the destination and source location of the customer and predicting likely vehicle demand for different vehicles based on said classification and said determination.

Abstract: A method for validating a message recipient includes: storing, in a memory of a processing server, a device profile, wherein the device profile is related to a mobile computing device and includes at least a device identifier, and token validation data; receiving, by a receiver of the processing server, a data signal from an external system that is encoded with a message packet, wherein the message packet includes at least the device identifier, a device token, and a content message; validating, by a processing device of the processing server, the device token using at least the token validation data; and electronically transmitting, by a transmitter of the processing server, the content message to the mobile computing device.

Abstract: Methods and servers are provided for processing payment using a generic gift card. The generic gift card is usable for payment across one or more participating merchants. One of the methods is performed at a server that administers usage of the generic gift card, the method comprises generating a unique code for identifying the generic gift card against which payment will be deducted for purchases made at a selected participating merchant; transmitting the unique code to the selected participating merchant; and calculating and subtracting the purchases made from a balance of the generic gift card in response to receiving from the selected participating merchant an indication of use of the unique code at the selected participating merchant.

Abstract: A method for processing travel bids via blockchain includes: receiving an itinerary request including a travel itinerary comprised of reservation requests, each reservation request including a type identifier and reservation details; transmitting a blockchain transaction to a blockchain network for each reservation requests, the transaction including the reservation details and a unique identifier; receiving merchant bid for each reservation request, wherein each merchant bid includes a bid amount and additional bidding details; identifying a winning bid for each reservation request based on the bid amount and additional bidding details included in each corresponding merchant bid; and transmitting a new blockchain transaction to the blockchain network for each reservation request, wherein the blockchain transaction includes the unique identifier and indicates unavailability of the corresponding reservation request.

Abstract: A payment network server for processing a cashless payment transaction via a point-of-sale (POS) terminal associated with a merchant server is described.

Abstract: The disclosure herein describes processing transactions from multiple users as installment transactions based on an installment plan. A first transaction associated with a first user is received. The transaction includes an installment indicator and a transaction value, the installment indicator indicating that an installment plan is requested, and wherein the transaction value is less than a total value threshold required to qualify for the installment plan. At least one second transaction associated with at least one second user is identified associated with the installment plan. Based on a sum of the transactions exceeding the total value threshold, the first transaction is associated with the at least one second transaction as an installment transaction set associated with the installment plan. The installment transaction set is then provided for processing as installment transactions.

Abstract: Embodiments provide methods, server systems and devices for redeeming a gift card at a merchant terminal. The method includes receiving, by a server system associated with a payment network, a payment transaction request from the merchant terminal. The payment transaction request includes a first information associated with a merchant, a second information associated with a payment card of a customer and a transaction amount to be paid to a merchant account. The method also includes detecting if at least one gift card with a gift balance amount associated with the merchant is already linked with the payment card. The method further includes sending an approval request to redeem at least a part of the gift balance amount for the transaction amount to the customer. The method includes processing payment of the transaction amount using at least the part of the gift balance amount upon receiving an approval from the customer.

Abstract: A method for validating ticket authenticity includes: reading, by an optical imaging device interfaced with a computing device, a displayed machine-readable code encoded with a ticket identification value; receiving, by a receiver of the computing device, at least a digital signature from a mobile computing device; identifying, by the computing device, a blockchain data entry included in one of a plurality of blocks comprising a blockchain, wherein the blockchain data entry includes at least the ticket identification value and a public key of a cryptographic key pair; validating, by the computing device, authenticity of a ticket based on validation of the digital signature using the public key; and outputting, by the computing device, the result of the validation of the authenticity of the ticket.

Abstract: A method for processing merchant-bypassing refunds includes: storing blockchain data including blockchain values, each including a transaction identifier, recipient address, sender address, and transaction amount; receiving a refund request including a specific identifier; identifying a specific blockchain value that includes the specific identifier; receiving a transaction request including a buyer digital signature, merchant address, and spending amount, where the spending amount is greater than the transaction amount in the specific blockchain value; generating a new transaction value that includes the buyer digital signature, a first transaction pair comprising a refund address and the transaction amount in the specific blockchain value, and a second transaction pair comprising the merchant address and a remainder amount based on a difference between the spending amount and the transaction amount in the specific blockchain value; and transmitting the generated new blockchain value to a node in a blockchai

Abstract: A method for processing a multi-account check includes: receiving a first authorization request including a transaction amount, an account identifier, and a check number; identifying a blockchain associated with the account identifier including a plurality of blocks, each block including a block header and blockchain data values, and a blockchain data value included in one of the blocks including the check number; generating two or more additional authorization requests including a payment amount, an alternate account number, and an alternate check number, where the alternate account number included in each of the additional authorization requests is unique among the additional authorization requests and a total of the payment amount included in the additional authorization requests is based on the transaction amount; and transmitting each of the additional authorization requests to a financial institution associated with the alternate account number included in the respective additional authorization request

Abstract: A method for contextual authentication based on computing devices includes: storing an account profile related to a transaction account including an account identifier and a timestamp and a device geolocation for at least two computing devices; receiving an authorization request for a payment transaction including the account identifier, a transaction geographic location, and a transaction time; identifying an authentication score for the payment transaction based on a comparison of the transaction time and transaction geographic location to the timestamp and device geographic location for each of the at least two computing devices; and transmitting the identified authentication score and received authorization request to a financial institution associated with the transaction account.

Abstract: A method for preventing account referral fraud includes: receiving a referral request, the request including a referring account identifier; transmitting a digital signature corresponding to the referral request to a processing server; verifying, by the processing server, the digital signature using a public key; identifying a plurality of blockchain data values included in a blockchain using the public key, wherein each data value is related to a blockchain transaction involving a blockchain wallet associated with the public key; generating an authenticity score for the blockchain wallet based on data included in the plurality of blockchain data values; receiving, by the referral server, the authenticity score from the processing server; and processing the referral request based on the authenticity score, wherein processing the referral request includes one of: declining the referral and awarding a referral reward.

Abstract: A method for secure approval of a check includes: reading a machine-readable code to obtain a block identifier and a validation value, wherein the machine-readable code is displayed on a physical check and encoded with the block identifier and validation value; receiving a digital signature from an external device; identifying a blockchain data value stored in a blockchain, wherein the blockchain data value includes at least the block identifier and an additional value; validating the received digital signature using a public key; validating the validation value based on a comparison of the validation value to the additional value; and approving use of the physical check to fund a payment transaction upon successful validation of the received digital signature and validation value.