Abstract: A method for confirming a blockchain transaction utilizing output from a transaction still waiting inclusion in a blockchain includes: storing, in a node of a blockchain network, a plurality of waiting blockchain transactions not included in a blockchain associated with the blockchain network; receiving a new blockchain transaction including a transaction amount, destination address, digital signature, and an unspent transaction output, where the unspent transaction output is a reference to one waiting blockchain transactions; validating the new blockchain transaction including confirmation of the one of the waiting blockchain transactions; generating a new block including a block header and a plurality of blockchain data entries including at least the new blockchain transaction and the one of the waiting blockchain transactions; and transmitting the generated new block to a plurality of additional nodes in the blockchain network for confirmation.

Abstract: Authenticating a secure element payment card includes transmitting a cold reset signal to the payment card and receiving an answer-to-reset message therefrom. The answer-to-reset message includes governing rules for performing a transaction, including a rule indicating that a secure data element is to be used to authenticate the payment card. The process also includes receiving payment account details for a payment account associated with the payment card. A payment authorization request message is transmitted to an interchange network and a card authentication request message is then received from the interchange network. The card authentication request message includes an encrypted instruction, which is transmitted to the secure element payment card. The secure data element is received from the payment card and a card authentication request response message is then transmitted to the interchange network. A payment authorization request response message is then received from the interchange network.

Abstract: A method for ensuring precedence for the processing of a blockchain transaction to prevent loss of cryptographic currency includes receiving a new blockchain transaction by a blockchain node in a blockchain network, confirming the new blockchain transaction including identifying a precedence transaction that was previously conducted and stored in the blockchain that involves both blockchain wallets included in the new blockchain transaction, including the new blockchain transaction in a new block that is generated, and distributing the new block to additional nodes in the blockchain network for confirmation and addition to the blockchain.

Abstract: The invention provides systems, methods and computer program products for securing electronic transactions and users of electronic transaction services from phishing attacks by malicious attackers and fraudsters. A terminal device receives a first data communication comprising an OTP associated with a requested electronic transaction, and identifies a validity period associated with the OTP. The terminal device responds to detection of a second data communication between the terminal device and a remote entity during the identified validity period, by extracting content from the second data communication. The extracted content is analyzed and a risk decision is generated based on output of the analysis of the extracted content. The risk decision determines whether the remote entity comprises, or is controlled by, a malicious attacker.

Abstract: Systems and methods are provided for identifying an account via a hash key specific to the account and presented to a third party, in connection with a network interaction. One example method includes receiving, by a computing device, from the third party, the hash key in connection with the network interaction, determining a primary account number (PAN) for the account based on the hash key, and identifying an issuer of the account based on the determined PAN. The method also includes transmitting a verification request to the issuer, to verify details of the account, and receiving a code from the issuer indicative of the verification. The method further includes intercepting an authorization request for the network interaction based on the authorization request including the hash key and, in response to the authorization request further including said code, directing the authorization request to the issuer.

Abstract: A method for periodic aggregation of blockchain transactions for reduced processing times and bandwidths includes: storing at least a cryptographic key pair comprising a private key and a public key and a plurality of unspent blockchain transactions, each unspent blockchain transaction including at least an output address and transaction amount; generating a digital signature using the private key; generating a recipient address using the public key; generating a new blockchain transaction after satisfaction of a trigger condition, the new blockchain transaction including each of the plurality of unspent blockchain transactions as inputs, the digital signature, the recipient address, and a transfer amount based on a summation of the transaction amount for each of the unspent blockchain transactions; and transmitting the new blockchain transaction to a node in a blockchain network.

Abstract: An authentication server computing device is provided. The authentication server computing device is configured to receive a transaction request from an audio interface device, generate a first audio file including a first audio transmission, wherein the first audio transmission includes a primary security artifact and at least one secondary security artifact and the primary security artifact is an encoding of a one-time password, store a reference data file including the first audio transmission, transmit the first audio file to a verified user computing device associated with the account identifier, receive a second audio file from the audio interface device, wherein the second audio file includes a second audio transmission, verify the second audio transmission by comparing the second audio transmission to the reference data file including the primary security artifact and the at least one secondary security artifact, and authorize the transaction based on verifying the second audio transmission.

Abstract: A method for ensuring compliance with data localization rules and regulations for blockchain data values in a blockchain network includes: a local node in a first country receiving a submission for a new blockchain transaction; identifying that the new blockchain transaction involves at least one entity in a foreign country; confirming the new blockchain transaction; transmitting the confirmed blockchain transaction to a foreign node located in the foreign country; generating a new block in the local node that includes the confirmed blockchain transaction; and distributing the new block to other nodes located in the same country as the local node.

Abstract: The disclosure includes systems and methods for disabling a payment function of a transaction card. The system receives payment account data from a transaction card and transmits a payment authorization request message to a card issuer associated with the transaction card. The system receives, from the card issuer, an authorization request response message. The authorization request response message declines the transaction and includes a status response code corresponding to a status of the transaction card. The system determines whether the status response code indicates that the transaction card is to be captured, and if so, disables the payment function of the transaction card via activation of a disabling system.

Abstract: A method for periodic aggregation of blockchain transactions for reduced processing times and bandwidths includes: storing at least a cryptographic key pair comprising a private key and a public key and a plurality of unspent blockchain transactions, each unspent blockchain transaction including at least an output address and transaction amount; generating a digital signature using the private key; generating a recipient address using the public key; generating a new blockchain transaction after satisfaction of a trigger condition, the new blockchain transaction including each of the plurality of unspent blockchain transactions as inputs, the digital signature, the recipient address, and a transfer amount based on a summation of the transaction amount for each of the unspent blockchain transactions; and transmitting the new blockchain transaction to a node in a blockchain network.

Abstract: The present disclosure provides a description of exemplary systems and methods for initiating a simultaneous start of block formation in a distributed ledger. The methods and systems may include a processor which may receive a base key. The base key may be generated by the distributed ledger at a time of validation of a first hash for a first block of transactions. The processor may generate a second hash for a second block of transactions to be added to the distributed ledger using the base key as an input for the second hash. The processor may transmit the second hash having the base key as an input to a plurality of second processors.

Abstract: A method for dynamic selection of transactions for inclusion in new blocks added to a blockchain includes: receiving, by a blockchain node in a blockchain network that manages a blockchain, a plurality of proposed transactions; sorting, by the blockchain node, each proposed transaction into one of a plurality of transaction groups; identifying, by the blockchain node, a selection of proposed transactions based on one or more dynamic selection criteria, where the selection of proposed transactions includes one or more proposed transactions from one or more of the plurality of transactions groups based on the one or more dynamic selection criteria; generating, by the blockchain node, a new block including a new block header and the identified selection of proposed transactions; and distributing, by the blockchain node, the generated new block to a plurality of additional nodes included in the blockchain network.

Abstract: A method for establishing account controls for a transaction account through specially configured personal identification numbers includes: storing, in an account profile, an account identifier, standard personal identification number (PIN), and blocking PIN; receiving a first authorization request for a first payment transaction including the account identifier, a merchant identifier, and the blocking PIN; inserting the merchant identifier into the account profile; receiving a second authorization request for a second payment transaction including the account identifier and the merchant identifier; and transmitting an authorization response in response to the second authorization request including a response code indicating decline of the second payment 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 verification computing system for verifying operation of a payment terminal and a payment processing network linking the payment terminal to a payment processor is provided. The verification computing system includes at least one verification computing module including at least one processor. The verification computing module is programmed to receive a test request message corresponding to a test payment card transaction from the payment terminal, identify a void flag included in the test request message, and bypass a settlement process for the test payment card transaction based on the identified void flag. The verification computing module is further configured to determine an operating status of the payment terminal and the payment processing network, generate a test response message based upon the determination, and transmit the test response message to the payment terminal for notifying a user.

Abstract: A method for ensuring precedence for the processing of a blockchain transaction to prevent loss of cryptographic currency includes receiving a new blockchain transaction by a blockchain node in a blockchain network, confirming the new blockchain transaction including identifying a precedence transaction that was previously conducted and stored in the blockchain that involves both blockchain wallets included in the new blockchain transaction, including the new blockchain transaction in a new block that is generated, and distributing the new block to additional nodes in the blockchain network for confirmation and addition to the blockchain.

Abstract: A method for examination scoring via blockchain includes: receiving, by a receiver of a processing server, an answer submission from an external computing device, wherein the answer submission includes at least one digital signature and a plurality of exam answers; validating, by a processing device of the processing server, the digital signature using a public key of a cryptographic key pair; determining, for each of the plurality of exam answers, if the respective exam answer is correct or incorrect based on an answer key; generating, for each correct exam answer, a blockchain data value, wherein the blockchain data value includes at least the validated digital signature; transmitting, by a transmitter of the processing server, the generated blockchain data values to one or more nodes in a blockchain network for validation and addition to a blockchain associated with the blockchain network.

Abstract: Embodiments provide methods and systems for determining and displaying health status of a payment card. The payment card includes a planar body, an interconnection circuit, and a display section. The planar body houses a payment card processing section. The interconnection circuit is configured within the planar body. The interconnection circuit is configured to generate a damage signal in response to a physical damage of at least a portion of the planar body or the payment card processing section. The display section is positioned in the planar body for displaying a visual information indicating health status of the payment card in response to the damage signal for a cardholder.

Abstract: A method for improving consensus in a blockchain network through decentralized grouping includes: identifying, by each node of a plurality of nodes in a blockchain network that manages a blockchain, a plurality of groups, where each is comprised of a subset of nodes; generating, by each node in each subset of nodes, a new block for the blockchain; performing, by each subset of nodes, a first consensus operation among all nodes in the subset of nodes for the new block generated by in the subset of nodes to identify a group consensus block, where each node in the subset of nodes receives the group's group consensus block; and performing, by the blockchain network, a second consensus operation among all groups for the identified group consensus block to identify an overall consensus block, where a majority of groups of the plurality of groups receives the overall consensus block.

Abstract: A verification computing system for verifying operation of a payment terminal and a payment processing network linking the payment terminal to a payment processor is provided. The verification computing system includes at least one verification computing module including at least one processor. The verification computing module is programmed to receive a test request message corresponding to a test payment card transaction from the payment terminal, identify a void flag included in the test request message, and bypass a settlement process for the test payment card transaction based on the identified void flag. The verification computing module is further configured to determine an operating status of the payment terminal and the payment processing network, generate a test response message based upon the determination, and transmit the test response message to the payment terminal for notifying a user.