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.

Abstract: A method for immutability of review verifications includes: storing a blockchain comprised of blocks; receiving a review submission including a reviewer identifier, entity identifier, and review data comprising feedback; identifying a review identifier unique to the review submission; generating a new review block comprising a block header and data values, the data values including the review submission including the review identifier; receiving verification submissions including a different reviewer identifier, the review identifier, and verification data indicating positive or negative verification of the review submission; and generating verification blocks, each comprising a block header and data values, wherein each of the verification submissions are included in the one or more data values.

Abstract: A computer system for incentivizing a user for payment card usage, includes a memory device configured to store machine-readable instructions and a processor operably connected with the memory device. The processor obtains the machine-readable instructions from the memory device, and is configured by the machine-readable instructions to receive merchant transaction data pertaining to a merchant, determine a first variable from the merchant transaction data, receive user transaction data pertaining to a customer of the merchant, the customer being a user of a payment card, the user transaction data having a card component and a cash component, determine a second variable associated with the card component, from the user transaction data, determine a third variable associated with the cash component, from the user transaction data, and provide one or more rule based incentives to the customer, on a basis of the second variable and the third variable.

Abstract: A method for determining authenticity of a point of sale device includes: storing a blockchain and point of sale identifier pair, wherein the blockchain is comprised of a plurality of blocks, each comprised of a block header and transaction data values, each transaction data value corresponding to a payment transaction involving a point of sale device associated with the point of sale identifier and includes an indication of approval or denial for the payment transaction; receiving a fraud probability request, the request including the point of sale identifier; identifying a number of transaction data values that include an indication of denial; determine an authenticity value indicating a likelihood that the point of sale device is engaged in fraudulent activity based on a registered latitude and longitude of the point of sale device, the number of transaction data values, and additional criteria; and transmitting the determined authenticity value.

Abstract: The present disclosure generally relates to an electronic system, a computerized method, and a non-transitory computer-readable storage medium for distributed payment of a transaction between a merchant and a group of customers. Each customer has an electronic device linked to a payment instrument of the customer, and the method is implemented on a first electronic device of a first customer in the group of customers.

Abstract: A method for anonymization of a blockchain transaction includes: storing a key pair comprising a private key and public key; receive an anonymization request from a computing device, the request including a destination address and transaction amount; transmitting an intermediate address based on the public key to the computing device; receiving one block in a blockchain, the one block being comprised of a block header and one or more transaction data values including a specific transaction data value comprised of the intermediate address and a transfer amount based on the transaction amount; generating a digital signature using the private key; and transmitting a new transaction data value and the digital signature to a node associated with the blockchain, the new transaction data value being comprised of the destination address and a payment amount related to the transaction amount.

Abstract: A method for automated product fulfillment via blockchain includes: storing product profiles, each including a product identifier, storage amount, and threshold level; receiving product updates for products including a specific product identifier and a current product level; updating a specific product profile for each product update by updating the storage amount based on the current product level using the specific product identifier; identifying product profiles where the updated storage amount is less than the threshold level; generating a transaction value for each identified product profile, wherein the transaction value includes a unique identifier associated with the computing device and the product identifier included in the respective product profile; and transmitting each generated transaction value to a node in a blockchain network.

Abstract: A method for offline transmission of blockchain details includes: storing, in a computing device, a first private key and a currency amount; receiving a first destination address associated with a blockchain network and a transaction amount; generating a second private key; generating a second destination address associated with the blockchain network using the second private key; generating a blockchain transaction including at least the first destination address, the transaction amount, the second destination address, and a remainder amount based on at least the currency amount and the transaction amount; signing the generated blockchain transaction using the first private key; executing a query to replace the first private key with the second private key, wherein replacement of the first private key includes deletion of the first private key from the computing device; and transmitting the generated blockchain transaction.

Abstract: A method for processing an offline transaction using local digital currency includes: receiving, by a receiving device of a payment instrument, a funding notification, the notification including a currency limit and associated transaction data; storing, in a memory of a payment instrument, the currency limit and associated transaction data; receiving, by the receiving device of the payment instrument, a transaction request for a payment transaction from a point of sale device, the request including at least a transaction amount; electronically transmitting, by a transmitting device of the payment instrument, a transaction response to the point of sale device, the response including an indication of approval and at least a portion of the associated transaction data; and executing, by a querying module of the payment instrument, a query on the memory of the payment instrument to update the currency limit based on the transaction amount.

Abstract: A method for verified data storage via blockchain includes: storing a blockchain comprised of a plurality of blocks, each comprised of a block header and a plurality of transaction values, the block header including a timestamp; receiving a transaction notification including an entity identifier and data values; validating the data values based on a validation notification received from a verifying entity; generating a new block header comprised of a current timestamp, a block reference value, and a transaction reference value, the block reference value being generated via hashing of the block header included in a most recent block based on the timestamp, and the transaction reference value being generated via hashing of new transaction values including the data values; generating a new block comprised of the generated new block header and the new transaction values; and transmitting the new block to a node associated with the blockchain.

Abstract: Some implementations provide a method for managing data in a storage system that includes a persistent storage device and a non-volatile random access memory (NVRAM) cache device. The method includes: accessing a direct mapping between a logical address associated with data stored on the persistent storage device and a physical address on the NVRAM cache device; receiving, from a host computing device coupled to the storage system, a request to access a particular unit of data stored on the persistent storage device; using the direct mapping as a basis between the logical address associated with the data stored on the persistent storage device and the physical address on the NVRAM cache device to determine whether the particular unit of data being requested is present on the NVRAM cache device.

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 disclosure generally relates to an electronic system, a computerized method implemented on a merchant server of the electronic system, and a non-transitory computer-readable medium storing computer-readable instructions for performing a transaction between a merchant and a motor vehicle of a customer, the motor vehicle located within the vicinity of the merchant. Steps of the method include receiving, from the motor vehicle, identification data of the motor vehicle, communicating, to the motor vehicle, details of products/services provided by the merchant, receiving, from the motor vehicle, a request for one or more products/services selected by the customer, obtaining details of a payment instrument of the customer, and performing a payment process for the selected products/services with the payment instrument details.

Abstract: The present disclosure generally relates to a computerized method implemented on a system for selectively providing electronic content to mobile devices.

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: 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: A method for conveyance of payment credentials through a third party data source includes: storing, in a memory of a computing device, at least a first public key and payment credentials associated with a transaction account; generating, by a generation module of the computing device, a machine-readable code encoded with at least the first public key; displaying, by a display device interfaced with the computing device, the generated machine-readable code; generating, by the generation module of the computing device, a key pair comprised of at least a private key and a second public key; encrypting, by an encryption module of the computing device, the payment credentials using the private key; and electronically transmitting, by a transmitting device of the computing device, the encrypted payment credentials to a publicly accessible data source.

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 real time, geolocation based parking data analysis is described. The method includes providing a list of available parking spaces to a user device for a user to select and calculating the parking fee based at least on a duration that a vehicle stayed in a predetermined area that encompasses the selected parking space and the geographic position of the selected parking space.