Abstract: A method for secure storage and distribution of account tokens includes: storing blockchain data comprised of a plurality of blocks, each block including at least a block header and one or more data values, where each data value includes at least an identification value, an account token, and one or more usage rules; receiving a login request including at least a specific identification value and a set of credentials; identifying a specific data value included in the blockchain data where the included identification value corresponds to the received specific identification value; validating the set of credentials based on the identified specific data value and access to the account token included in the specific data value based on the included one or more usage rules; and transmitting the account token included in the identified specific data value in response to the login request upon successful validation.

Abstract: A method for determining fraud for a transaction via blockchain includes: receiving blockchain data for a blockchain including a plurality of blocks, each block being comprised of a block header and data values, each data value corresponding to a declined payment transaction and including an account identifier, timestamp, and point of sale identifier; receiving payment credentials associated with a transaction account, the payment credentials including an account number; identifying one or more data values where the account identifier is the account number; determining a decline of a payment transaction involving the transaction account based on transaction data for the payment transaction and data included in the one or more data values; and transmitting a timestamp, the account number, and a device identifier to a node associated with the blockchain.

Abstract: The present disclosure generally relates to an electronic system and method for management of cash in automated teller machines (ATMs). The system comprises a server operative within a financial network, the server including a processor and a memory configured to store computer-readable instructions. When the instructions are executed, the processor performs steps of the method, comprising: obtaining location data and historical data on cash withdrawals of each ATM of the financial network; identifying a group of ATMs within a predefined zone based on the location data; calculating an expected combined cash withdrawal amount of the group of ATMs for a subsequent time period based on the cash withdrawals historical data; and computing cash replenishment details for a subset of the group of ATMs based on the expected combined cash withdrawal amount, wherein the cash replenishment details aims to maintain a positive cash balance in the subset of ATMs during the subsequent time period.

Abstract: The present invention is directed to systems and methods for enabling electronic payments to merchants who do not have access to a terminal device or point of sale device for receiving electronic payments. The invention comprises performing an electronic payment transaction through the steps of (i) receiving user input identifying a transaction amount, (ii) acquiring through a first biometric feature sensor, a first set of biometric information defining a biometric feature of a payment transferee, (iii) generating a first biometric template based on the acquired first set of biometric information, and (iv) transferring the transaction amount from a first electronic payment account associated with a payment transferor to a second electronic payment account associated with the payment transferee, wherein the second electronic payment account is identified based on the first biometric template.

Abstract: A method for valuation of a vehicle based on telematics includes: storing a plurality of vehicle profiles, each related to a vehicle including a vehicle value and associated telematics data points; receiving a plurality of telematics data points associated with a target vehicle; identifying a subset of vehicle profiles where there is a correspondence between the associated telematics data points and the received plurality of telematics data points; estimating a valuation of the target vehicle based on, for each vehicle profile in the subset, a combination of the vehicle value included in the respective vehicle profile and a level of similarity to the received plurality of telematics data points and the associated telematics data points; and transmitting the estimated valuation to an external computing device.

Abstract: A system and method is disclosed for monitoring the containment of an epidemic in relation to a location-based restriction using an anonymized database of spending records. The system measures the effectiveness of a restriction by analyzing the spending records of individuals in the population and identifies transaction trends that relate to the restriction and correlates them to the effectiveness of the restriction. Based on the identified transaction trends, the system calculates the effectiveness and analyzes the restrictions according to expected trends and models of epidemic spread by geography. The system utilizes the measured effectiveness and predictive analysis to generate notifications if the effectiveness does not meet prescribed requirements and to recommend corrective action.

Abstract: A computer-implemented method for customizing a travel itinerary for an account holder is provided. The method comprises receiving current transaction data when settling a current travel transaction initiated by the account holder with a current merchant; retrieving a plurality of historical transaction data relating to a plurality of historical transactions settled for the account holder prior to the current travel transaction; identifying one or more of the plurality of historical transactions that relate to the current transaction data to recognize preferences of the account holder; and customizing a travel itinerary based on the preferences of the account holder, the travel itinerary including at least one merchant with whom the account holder can initiate a future transaction.

Abstract: A method for on-behalf ATM processing via blockchain includes: receiving, by a receiver of an automated teller machine (ATM), a transaction identifier; receiving, by an input device interfaced with the ATM, a withdrawal amount; identifying, by the ATM, a blockchain transaction in one of a plurality of blocks comprising a blockchain, wherein the blockchain transaction includes at least the transaction identifier and a current balance; and processing, by the ATM, withdrawal of the withdrawal amount based on the current balance, where processing includes dispensing, by a dispenser interfaced with the ATM, currency equivalent to the withdrawal amount if the withdrawal amount is less than or equal to the current balance or displaying, by a display device interfaced with the ATM, a message indicating an insufficient balance if the withdrawal amount is greater than the current balance.

Abstract: A payment network server for secure e-commerce is described.

Abstract: A method and system for facilitating payments for items delivered at delivery locations is provided. A server system associated with a payment network receives payment card information provided by a user in relation to an online purchase of an item. The online purchase of the item is associated with selection of a Payment on Delivery option. The server system determines if the online purchase of the item is authorized or not. If the online purchase is authorized, a transaction ID is generated by the online seller. The server system receives the transaction ID from item delivery personnel subsequent to the delivery of the item to the delivery location. In response to the receipt of the transaction ID, a notification is provided to the user. The payment to the online seller is processed subsequent to receiving confirmation of the receipt of the item at the delivery location from the user.

Abstract: A method for guaranteeing a blockchain transaction includes: storing account profiles, each related to a transaction account including a current balance and identification data; receiving a blockchain transaction request including a sending identifier, receiving identifier, and blockchain currency amount; transferring an alternative currency amount based on the blockchain currency amount from a first account profile including the sending identifier to a second account profile including the receiving and sending identifiers; restricting access to the current balance in the second account profile from the first account; receiving a confirmation of a blockchain transaction within a predetermined period of time; and transferring, from the second account profile, the alternative currency amount to the first account profile if the confirmation is received within the predetermined period of time, or to a third account profile including the receiving identifier if the confirmation is not received within the predeterm

Abstract: The present invention relates to the field of electronic transactions, and provides methods and systems for reducing user interventions necessary for authentication of transactions. In an embodiment the invention implements an authentication server configured to receive from a terminal device an electronic payment transaction request and device IDs corresponding to devices having wireless communication capability that are detected within a wireless communication range of the terminal device. The authentication server selects a payment account for implementing the requested electronic payment transaction, wherein selection of the payment account is based on a determination that one or more of the device IDs received from the terminal device are associated with the identified payment account, and thereafter generates a payment transaction authentication decision.

Abstract: A method for transaction initiation with a bypass of merchant systems includes: storing a consumer public key and a blockchain comprised of a plurality of blocks, each block being comprised of a block header and data values, each block header including a block timestamp, and each data value including a unique transaction identifier; receiving a data message originating from a merchant system including a specific transaction identifier, a transaction timestamp, and transaction data; identifying a specific data value in a specific block that includes the specific transaction identifier; verifying that the block timestamp in the specific block is within a predetermined period of time of the transaction timestamp; identifying payment credentials associated with a user transaction account corresponding to the specific data value; and initiating a payment transaction between the merchant system and the transaction account using the identified payment credentials and transaction data.

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 method for risk scoring a blockchain transaction includes: storing blockchain data associated with a blockchain, the data including a plurality of blocks, each block including a block header and transaction values, each transaction value including a sending address, recipient address, and transaction amount; receiving a new transaction value related to a proposed blockchain transaction and a node identifier associated with a node included in a blockchain network associated with the blockchain, the new transaction value including a user address, transacting address, and blockchain amount; identifying transaction values in the blockchain where the sending address or recipient address is associated with a transacting cryptographic key pair also associated with the transacting address; determining a risk score for the proposed blockchain transaction based on at least the data included in each of the identified transaction values and the new transaction value; and transmitting the determined risk score.

Abstract: A payment facilitation system for facilitating payment for a transaction, the system comprising one or more processors in communication with non-transitory data storage medium having instructions stored thereon which, when executed by the processor or processors, configure the system to perform the steps of: receiving a check-in notification from a social media system, the notification including customer identification data for one or more customers and merchant identification data; identifying a merchant terminal, the merchant terminal being a merchant terminal of a merchant associated with the merchant identification data; sending an enabled payment notification to the merchant terminal, the enabled payment notification comprising a group identifier associated with the one or more customers; receiving an invoice notification from the merchant terminal, the invoice notification comprising transaction data for the transaction and the group identifier; sending the transaction data to one or more customer devic

Abstract: A method for secure usage of a gift card via blockchain includes: storing a blockchain including a specific data value related to a gift card that includes a gift card number and a first recipient address; receiving a transfer request including the gift card number, a first digital signature, and a device identifier; verifying the first recipient address based on the first digital signature; generating a new data value comprising the gift card number, the device identifier, and a second recipient address; transmitting the generated new data value to a node associated with the blockchain; receiving a redemption request from a second computing system including the gift card number, a second digital signature, and a submitted device identifier; verifying the second recipient address and submit device identifier based on the second digital signature and the device identifier, respectively; and transmitting a result of the verification to the second computing system.

Abstract: A method for transaction authorization includes generation of a master authentication code based on an authorization request for a transaction by a server. The transaction is initiated by a user by way of a transaction application installed on a user-computing device. The server splits the master authentication code into a first authentication code and a second authentication code. The first authentication code is communicated to the transaction application and the second authentication code is communicated to the user by the server. The transaction application generates a response code based on the first authentication code and the second authentication code. The server receives the response code from the transaction application and processes the transaction based on a match between the response code and the master authentication code.

Abstract: Techniques are provided for using decentralized lock synchronization to increase network throughput. In an embodiment, a first computer sends, to a second computer comprising a lock, a request to acquire the lock. In response to receiving the lock acquisition request, the second computer detects whether the lock is available. If the lock is unavailable, then the second computer replies by sending a denial to the first computer. Otherwise, the second computer sends an exclusive grant of the lock to the first computer. While the first computer has acquired the lock, the first computer sends data to the second computer. Afterwards, the first computer sends a request to release the lock to the second computer. This completes one duty cycle of the lock, and the lock is again available for acquisition.

Abstract: Methods, systems and computer program products for selectively providing authenticated data corresponding to a payment card holder at a point-of-sale (POS) terminal are described. The method can include receiving from a terminal device, payment card account information comprising a payment card account identifier and user authentication information. Responsive to the received user authentication information matching one of a plurality of predefined authentication keys associated with the payment card account identifier, a predefined function is selected from among at least first and second predefined functions associated with the payment card account identifier—wherein the selection of the predefined function from among the first and second predefined functions is based on an association between the selected predefined function and an authentication key that has been matched with the received user authentication information.