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 tracking rash driving includes: receiving a plurality of rider embarkation notifications, each including a digital signature and a vehicle identifier; generating a new block for a blockchain, the new block including a block header and a plurality of blockchain data values, each blockchain data value corresponding to a rider embarkation notification and including the respective digital signature; receiving a rash driving notification including the vehicle identifier; transmitting a confirmation request to at least one mobile computing device associated with one of the plurality of rider embarkation notifications; receiving a confirmation message from one of the at least one mobile computing devices; and generating a subsequent block for the blockchain, the subsequent block including a new block header and a new data value, the new data value including an indication of rash driving.

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 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: A method for opening a secured lockbox through a digital signature includes: storing, in a memory of a computing device in a lockbox, a public key of a cryptographic key pair; receiving, by an input device of the computing device, a digital signature from an external communication device; validating, by a processing device of the computing device, the digital signature using the public key of the cryptographic key pair; and transmitting, by a transmitter of the computing device, a signal to an electronic locking mechanism of the lockbox interfaced with the computing device; and opening, by the electronic locking mechanism of the lockbox, an electronic lock granting access to contents of the lockbox upon receipt of the signal.

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 processing redundant blockchain transactions for linked wallets includes: storing blockchain data associated with a blockchain including a plurality of blocks, each block including a block header and blockchain data values, each data value corresponding to a processed blockchain transaction; receiving a new blockchain data value including an input transaction, recipient address, and transaction amount; confirming each input transaction based on a corresponding blockchain data value; identifying a plurality of blockchain wallets linked to the recipient address, and, for each wallet, an additional recipient address; generating a mirror blockchain data value for each linked wallet including the input transaction, transaction amount, and the additional recipient address identified for the respective linked wallet; and transmitting the new blockchain data value and each mirror blockchain data value to one or more nodes in a blockchain network associated with the blockchain.

Abstract: A method for providing additional security for a blockchain wallet through the use of a dynamic pseudo key confirmed through digit positioning includes: storing digit pairs, each including a predefined value and a character position; receiving a dynamic pseudo key and transaction information, where the key includes characters in set positions and the transaction information includes a destination address and data value; validating that the dynamic pseudo key has not been used for a prior blockchain transaction; validating that the characters in set positions in the dynamic pseudo key includes the predefined value in the corresponding character position for each of the digit pairs; generating a digital signature using a private key after successful validation of the dynamic pseudo key; and transmitting the digital signature and transaction information to a node in a blockchain network associated with a blockchain.

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 adjusting a spam index for a blockchain advertiser based on user consensus includes: storing an advertiser profile related to an advertising entity including at least an index value and an identification value; receiving new blocks in a blockchain, each including a block header and blockchain data values, where a plurality of the data values each includes an advertiser identifier, advertisement value, and a recipient identifier; receiving a plurality of spam reports, each associated with one of the data values and including at least one of: the advertisement value included in the respective data value or a reference value generated by hashing the respective data value; determining a ratio of a number of spam reports to number of the data values that includes the advertisement value; and adjusting the index value included in the advertiser profile according to the ratio.

Abstract: A method for determining transportation fares includes: receiving a plurality of user data points for a user, wherein each user data point corresponds to a geographic location of a user including at least the geographic location and a timestamp; receiving a plurality of transport data points for each of a plurality of transportation vehicles, wherein each transport data point includes at least a geographic location of the respective transportation vehicle and a timestamp; identifying a specific transportation vehicle used by the user based on a correspondence between the geographic location and timestamp included in the plurality of user data points and the geographic location and timestamp included in the plurality of transport data points received for the specific transportation vehicle; determining a fare amount based on at least the identified specific transportation vehicle; and transmitting at least the determined fare amount.

Abstract: A method for two factor authentication for a blockchain transaction includes: storing a data pair including a public key of a first cryptographic key pair and an expected data value; receiving a transaction request including a first digital signature, one or more input addresses, one or more output addresses, and at least one transaction amount; identifying a processed transaction in a sidechain including a destination address and a transaction data value, wherein the destination address is generated using the public key of the first cryptographic key pair; performing a first authentication by validating the first digital signature using the public key of the first cryptographic key pair; performing a second authentication by validating the transaction data value using the expected data value; and transmitting the received transaction request to a plurality of other nodes in a blockchain network.

Abstract: A method for determining product genuineness includes: storing blockchain data for a blockchain, wherein the blockchain data includes a plurality of blockchain data values, each blockchain data value including at least a unique identifier and a genuineness flag; receiving a genuineness request, wherein the genuineness request includes at least a specific identifier associated with a product available for purchase; identifying a specific blockchain data value of the plurality of blockchain data values where the included unique identifier corresponds to the specific identifier; determining genuineness of the product available for purchase based on at least the genuineness flag included in the specific blockchain data value; and transmitting the determined genuineness of the product.

Abstract: A method for project management using a blockchain includes: receiving a project request including a project stream comprised of a plurality of role assignments and an ordering for the role assignments, wherein each role assignment indicates a corresponding public key; generating a first digital token; transmitting the first digital token to a first computing device associated with a public key corresponding to a first role assignment based on the ordering; receiving data from the first computing device including a data file, return token, and digital signature; validating the return token based on the first digital token; validating the digital signature using the public key corresponding to the first role assignment; transmitting the data file to a node in a blockchain network; and transmitting a second digital token to a second computing device associated with a public key corresponding to a second role assignment based on the ordering.

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: When a consumer makes a purchase at a retail location, a communication device associated with the consumer receives information specifying the type of product purchased. This may be done by the consumer entering the information manually, by the communication device receiving a data file over an interface, or by a camera of the communication device capturing a picture of a receipt. The information may be, or may be converted into, stock-keeping unit (SKU) data. The data can be analyzed to derive consumer spending patterns and to suggest product offers to the consumer.

Abstract: A method for processing an electronic payment transaction includes: storing an account profile including a plurality of account numbers; receiving a first authorization request for a payment transaction that includes a first account number of the plurality of account numbers, a first time, and a first location; processing the first payment transaction; receiving a second authorization request for a different transaction including a second primary account number of the plurality of account numbers, a second time, and a second location, where the second account number is associated with a different issuer than the first account number; determining a likelihood of fraud based on the first time and location and the second time and location; and forwarding the second authorization request to the different issuer if the likelihood of fraud is below a threshold, or transmitting an authorization response indicating decline if the likelihood of fraud is above the threshold.

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: 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 data processing system for authenticating a user with a one-time password is disclosed. The data processing system comprises: a computer processor and a data storage device, the data storage device storing instructions operative by the processor to: receive a transaction authorization request for a transaction, the transaction authorization request comprising a payment card identifier indicating a payment card associated the transaction; look up contact information for a user associated with the payment card using the payment card identifier; generate a one-time password indication, the one-time password indication comprising a one-time password; send the one-time password indication to the user using the contact information for the user; receive an anomalous one-time password alert indication from the user; and generate a transaction authorization response blocking the transaction.