Abstract: A method includes a first device receiving, from a second device, an interaction request message comprising an amount and a second device certificate. The first device can verify the second device certificate using a server computer public key corresponding to a server computer private key. A trusted application in a secure element of the first device can determine whether or not the amount is less than an offline amount stored in the secure element. If the amount is less than the offline amount, the trusted application can determine an updated offline amount based on the amount. The trusted application can generate an interaction response message comprising the amount and a trusted application certificate. The first device can then provide the interaction response message to the second device.

Abstract: Systems and methods for transferring value. A method includes posting, by a user device to a blockchain, a deposit transaction comprising a deposit value and conditions and updating, by the user device, a state according to a transaction amount. The method also includes transmitting, by the user device, a state update of the state to a server computer and responsive to transmitting the state update, and receiving, by the user device, a payment complete message comprising a tuple from the server computer. The method also includes verifying, by the user device, the conditions and processing, by the user device, a server deposit transaction on the blockchain in response to verifying.

Abstract: Systems and methods for transferring value. A method includes posting, by a user device to a blockchain, a deposit transaction comprising a deposit value and conditions and updating, by the user device, a state according to a transaction amount. The method also includes transmitting, by the user device, a state update of the state to a server computer and responsive to transmitting the state update, and receiving, by the user device, a payment complete message comprising a tuple from the server computer. The method also includes verifying, by the user device, the conditions and processing, by the user device, a server deposit transaction on the blockchain in response to verifying.

Abstract: A method includes a first user device generating an interaction message. The interaction message includes an amount, an expiry time, and a condition. The first user device provides the interaction message to a second user device. The second user device creates a witness that satisfies the condition and provides the witness to the first user device. The first user device receives the witness from the second user device. The first user device verifies that the witness satisfies the condition. If the witness satisfies the condition and is received prior to the expiry time, the first user device signs the witness using a first user device private key to obtain a signed witness. The first user device provides the signed witness to the second user device. The second user device verifies a signature of the signed witness and proceeds with obtaining the amount.

Abstract: Systems and methods for transferring value. A method includes posting, by a user device to a blockchain, a deposit transaction comprising a deposit value and conditions and updating, by the user device, a state according to a transaction amount. The method also includes transmitting, by the user device, a state update of the state to a server computer and responsive to transmitting the state update, and receiving, by the user device, a payment complete message comprising a tuple from the server computer. The method also includes verifying, by the user device, the conditions and processing, by the user device, a server deposit transaction on the blockchain in response to verifying.

Abstract: Embodiments herein are related to selecting one or more cutoff values used to determine if a plurality of data transactions should be accepted or rejected. In the embodiments, various data sets from a plurality of data transactions are generated. At least one of the data sets includes a different subset of the data transactions than a second data set. One or more cutoff values for each of the data sets are determined. The cutoff values specify if the data transactions are to be accepted or rejected. An efficiency value for each of the data sets is determined at each of the cutoff values. An average efficiency value and an efficiency standard deviation value at each of the cutoff values are determined based on the determined efficiency values. At least one of the cutoff values is selected based on the average efficiency value and the efficiency standard deviation value.