Abstract: An augmented reality system includes an augmented reality user device and a digital wallet. The digital wallet includes items associated with a user. The augmented reality user device includes a head mounted display, a memory, and processors. The display overlays virtual objects onto a field of view of the user. The processors overlay the digital wallet contents on a field of view of the user so that the user may select one of the items for use in an electronic transaction. For example, the processors request and receive an inventory of the digital wallet and overlay a graphical representation of the items within the field of view of the user via the display. The processors detect a hand gesture and identify a selected item based on the hand gesture. The processors generate a transfer token based on the identified item and transmit it to the electronic transaction terminal.

Abstract: According to one embodiment, a system includes a memory comprising instructions, an interface, and a processor communicatively coupled to the memory and the interface. The interface is configured to receive, from a user telephone device, a request to complete a transaction using a token associated with the user telephone device. The processor is configured, when executing the instructions, to determine one or more tokens associated with the user telephone device. The interface is further configured to send, to an issuer server, a verification request for the token, and receive, in response to the verification request, translated information associated with the token. The processor is further configured to complete the transaction using the translated information.

Abstract: According to one embodiment, a system includes a memory comprising instructions, an interface, and a processor communicatively coupled to the memory and the interface. The interface is configured to receive, from a user telephone device, a request to complete a transaction using a token associated with the user telephone device. The processor is configured, when executing the instructions, to determine one or more tokens associated with the user telephone device. The interface is further configured to send, to an issuer server, a verification request for the token, and receive, in response to the verification request, translated information associated with the token. The processor is further configured to complete the transaction using the translated information.

Abstract: Embodiments of the present invention provide a system for secure verification of identity data. A request for verification of a customer for a client's product or service is received, the request including a baseline set of customer information. This received baseline set of customer information is compared to customer information stored on a private block chain network to determine whether the received baseline set of customer information matches the stored information for the same customer. If there is a match, a virtual customer key is generated or copied from the private block chain network and transmitted to a client system. The client system can then provide subsequent requests for customer identity verification or additional information about that customer by presenting the virtual key.

Abstract: An electronic transaction terminal system includes a camera that captures an image of a person participating in an electronic transaction; a microphone that captures an audio signal of the person; and a database that includes records associating user accounts with an image and/or a voice print of the associated account holder. The electronic transaction terminal system includes processors connected to the camera, microphone, and database to perform authentication and/or authorization. For example, the processors compare an image of the person with the records in the database. The processors identify a user account of the person by matching the image of the person with the image of the account holder. To authorize the particular transaction, the processors may capture an audio signal of the person speaking into the microphone; compare the captured audio signal with the voice print in the database; and authorize the electronic transaction with the user account.

Abstract: An augmented reality system includes an augmented reality user device and a digital wallet. The digital wallet includes items associated with a user. The augmented reality user device includes a head mounted display, a memory, and processors. The display overlays virtual objects onto a field of view of the user. The processors overlay the digital wallet contents on a field of view of the user so that the user may select one of the items for use in an electronic transaction. For example, the processors request and receive an inventory of the digital wallet and overlay a graphical representation of the items within the field of view of the user via the display. The processors detect a hand gesture and identify a selected item based on the hand gesture. The processors generate a transfer token based on the identified item and transmit it to the electronic transaction terminal.

Abstract: According to one embodiment, a system includes a memory comprising instructions, an interface, and a processor communicatively coupled to the memory and the interface. The interface is configured to receive, from a user telephone device, a request to complete a transaction using a token associated with the user telephone device. The processor is configured, when executing the instructions, to determine one or more tokens associated with the user telephone device. The interface is further configured to send, to an issuer server, a verification request for the token, and receive, in response to the verification request, translated information associated with the token. The processor is further configured to complete the transaction using the translated information.

Abstract: According to one embodiment, a system includes a memory comprising instructions, an interface, and a processor communicatively coupled to the memory and the interface. The interface is configured to receive, from a merchant server, a request to generate a token associated with user information for storage on the merchant server. The processor is configured, when executing the instructions, to generate, based on the request, a token associated with the merchant server and the user information, and generate a token record associated with the generated token.

Abstract: According to one embodiment, a system includes a memory comprising instructions, an interface, and a processor communicatively coupled to the memory and the interface. The interface is configured to receive, from a server, a token for verification in a transaction. The processor is configured, when executing the instructions, to compare information associated with the transaction with one or more token usage rules associated with the token, and determine, based on the comparison, whether the transaction may be completed using the token.

Abstract: According to one embodiment, a system includes a memory comprising instructions, an interface, and a processor communicatively coupled to the memory and the interface. The interface is configured to receive, from a user device, a request to create a token associated with a financial account. The processor is configured, when executing the instructions, to generate, based on the request, a token associated with the financial account and the user device. The interface is further configured to send the generated token to the user device for storage, and the processor is further configured to generate a token record associated with the generated token.

Abstract: According to one embodiment, a system includes a memory comprising instructions, an interface, and a processor communicatively coupled to the memory and the interface. The interface is configured to receive, from a user device, a token to complete a transaction, send, to an issuer server, a request to verify the received token, and receive, in response to the request to verify the received token, translated information associated with the token. The processor is configured, when executing the instructions, to process the transaction using the translated information.

Abstract: According to one embodiment, a system includes a memory comprising instructions, an interface, and a processor communicatively coupled to the memory and the interface. The interface is configured to receive, from a user device, a request to create a token associated with user identification information. The processor is configured, when executing the instructions, to generate, based on the request, a token associated with the user identification information and the user device. The interface is further configured to send the generated token to the user device for storage, and the processor is further configured to generate a token record associated with the generated token.

Abstract: According to one embodiment, a system includes a memory comprising instructions, an interface, and a processor communicatively coupled to the memory and the interface. The interface is configured to receive token usage information for one or more tokens. The processor is configured, when executing the instructions, to determine one or more characteristics of the token usage information for a particular token of the one or more tokens, and generate, based on the determined characteristics, one or more notifications to a first user device associated with the particular token.