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: According to a first aspect, there is provided an identity verifier comprising: at least one processor; at least one memory including computer program code; and a communication port coupled to the processor the at least one memory and the computer program code configured to, with the at least one processor, cause the identity verifier at least to: receive, through the communication port, query information to verify an identity provided by a party requesting a financial service; extract a unique identifier of an electronic device from the query information, the electronic device used to request the financial service; calculate a probability of an accuracy of the identity verification by at least determining whether one or more databases contain a record of the unique identifier, the one or more databases storing data used to perform the identity verification; and respond, through the communication port, to the query with the calculated probability.

Abstract: A method for immutability of review verifications includes: storing a blockchain; receiving a review submission from a reviewer about an entity comprising feedback; identifying a review identifier unique to the review submission; generating a new review block for the blockchain including the review submission including the review identifier; receiving verification submissions from other reviewers about the review submission indicating positive or negative verification of the review submission; generating verification blocks for the blockchain that include the verification submissions; adding a trustworthiness block to the blockchain for the review once enough positive verifications are received; and adding a trustworthiness block to the blockchain for the reviewer once they have enough trustworthy reviews.

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: 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 controlling participation in a blockchain based on time includes: storing participant profiles, each including a public key of a cryptographic key pair and a period of time; storing a blockchain comprised of a plurality of blocks; receiving a block submission from a specific computing system including a digital signature and a new data value; verifying the digital signature based on the public key stored in a specific participant profile related to the specific computing system; verifying that the specific computing system is eligible for participation in the blockchain based on the period of time included in the specific participant profile and a present time; generating a new block comprised of a block header and the new data value; and transmitting the generated new block to nodes associated with the blockchain. Private blockchains are generated for dispute resolution of things posted to the primary blockchain.

Abstract: A method for controlling participation in a blockchain based on time includes: storing participant profiles, each including a public key of a cryptographic key pair and a period of time; storing a blockchain comprised of a plurality of blocks, each including at a block header and data values; receiving a block submission from a specific computing system including a digital signature and a new data value; verifying the digital signature based on the public key stored in a specific participant profile related to the specific computing system; verifying that the specific computing system is eligible for participation in the blockchain based on the period of time included in the specific participant profile and a present time; generating a new block comprised of a block header and the new data value; and transmitting the generated new block to nodes associated with the blockchain.

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 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 rewarding carbon sequestration includes: receiving a carbon sequestration notification, wherein the carbon sequestration notification includes at least an amount of sequestered carbon dioxide and an entity identifier associated with an entity that sequestered the amount of sequestered carbon dioxide; receiving a verification message, wherein the verification message includes at least the entity identifier and an indication of successful verification of the entity as sequestering the amount of sequestered carbon dioxide; generating a digital signature using a private key of a cryptographic key pair; identifying a destination address associated with the entity based on at least the entity identifier; and transmitting at least the digital signature, destination address, one or more source addresses, and a currency amount based on the amount of sequestered carbon dioxide to a node in a blockchain network.

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: According to a first aspect, there is provided an identity verifier comprising: at least one processor; at least one memory including computer program code; and a communication port coupled to the processor the at least one memory and the computer program code configured to, with the at least one processor, cause the identity verifier at least to: receive, through the communication port, query information to verify an identity provided by a party requesting a financial service; extract a unique identifier of an electronic device from the query information, the electronic device used to request the financial service; calculate a probability of an accuracy of the identity verification by at least determining whether one or more databases contain a record of the unique identifier, the one or more databases storing data used to perform the identity verification; and respond, through the communication port, to the query with the calculated probability.

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 controlling participation in a blockchain based on time includes: storing participant profiles, each including a public key of a cryptographic key pair and a period of time; storing a blockchain comprised of a plurality of blocks, each including at a block header and data values; receiving a block submission from a specific computing system including a digital signature and a new data value; verifying the digital signature based on the public key stored in a specific participant profile related to the specific computing system; verifying that the specific computing system is eligible for participation in the blockchain based on the period of time included in the specific participant profile and a present time; generating a new block comprised of a block header and the new data value; and transmitting the generated new block to nodes associated with the blockchain.

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 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: A method for optimizing an item descriptor and item value combination is provided. The method includes receiving initial data, locating one or more previous transaction data points, and creating a plurality of candidate opportunity variants and, for each candidate opportunity variant determining a first deviation, identifying a first set of first previous transaction data points and a second set of previous transaction data point, and forecasting one or more new transaction data points at at least one future date, each new transaction data point includes a forecast merchant identifier. The method further includes selecting the candidate opportunity variant that provides an optimized item descriptor and item value combination based on the selected candidate opportunity variant.

Abstract: A computer-implemented method for computing a price-sensitivity score for a product for sale is provided. The method comprises (a) receiving, by a transaction analysis component, transaction data comprising a purchase of the target product by a consumer; (b) receiving, by a product analysis component, a reference price-sensitivity score for a reference product for sale; (c) calculating, by the transaction analysis component, a correlation index using the transaction data; said correlation index being indicative a correlation between purchases of the target product and the reference product; and (d) calculating, by the product analysis component, the price-sensitivity score for the target product using the correlation index and the reference price-sensitivity score. Methods for computing a price-sensitivity rating of a consumer and a price-efficiency rating for a merchant are also provided. An apparatus for carrying out the method is also provided.