Abstract: A computer implemented method allows the storage of tracked data records in a blockchain in order to incentivize airlines, ground handlers, IT Suppliers and airports to invest in tracking points for tracking baggage. The usage of tracking data records is determined by a smart contract. The smart contract causes a specific entry in a wallet and each entry represents the usage of tracking data records.

Abstract: An information prompt method and apparatus and an electronic device are provided. The information prompt method includes: monitoring whether a target delivery order meets a preset activation condition (S101); obtaining, when the target delivery order meets the preset activation condition, auxiliary information corresponding to an order identifier of the target delivery order (S102), where the auxiliary information is determined based on an advance contact probability corresponding to the order identifier, the advance contact probability is determined based on a target historical order, and the target historical order is a historical order with the order identifier; and outputting prompt information when the auxiliary information meets a preset prompt condition (S103).

Abstract: A method of making to deliveries to storage spaces at a storage installation involves the steps of: (i) by a central control system, providing delivery information to a portable device, wherein the delivery information includes at least one user credential and/or specific storage space requirements of the delivery; (ii) establishing communication between the portable device and an access control system included in the storage installation, wherein the communication is established when the portable device is in the proximity of the storage installation; and (iii) transferring delivery information to the access control system from the portable device.

Abstract: First package information indicating a size or weight of each of packages and first delivery route information indicating first delivery routes are acquired from a memory, where each of the first delivery routes starts from a delivery start point, passes through destinations to which the packages are to be delivered, and ends at the delivery start point. An evaluation value for each of the first delivery routes is calculated based on the first package information and the first delivery route information. An optimum first delivery route is determined, based on the calculated evaluation values, from among the first delivery routes. Information indicating the determined first delivery route is output to an information terminal. The determined first delivery route is displayed on a display of the information terminal. A delivery person delivers the packages to the destinations along the determined first delivery route.

Abstract: Novel distractorless authorship verification technology optionally combines with novel algorithms to solve authorship attribution as to an open set of candidates—such as without limitation by analyzing the voting of “mixture of experts” and outputting the result to a user using the following: if z (z=pi?pj? pi+pj?(pi?pj)2/n) is larger than a first predetermined threshold then author j cannot be the correct author; or if z (z=pi?pj? pi+pj?(pi?pj)2/n) is smaller than a second predetermined threshold then author i cannot be the correct author; or if no author garners significantly more votes than all other contenders then none of the named authors is the author of a document in question—in a number of novel applications. Personality profiling and authorship attribution may also be used to verify user identity to a computer.

Abstract: A system and method provide dosage information from past trials of potential subjects to clinics performing drug research so the clinics can determine if the potential subjects qualify (i.e. have waited sufficient time) to qualify for second trial. The system provides a clearinghouse that does not divulge the prior trials proprietary information to the requestor. Likewise, the system does not divulge to prior trial holders who is requesting subject information for subsequent trials. Biographical information including biometric identification can be used to identify subjects in the database. A further method allows a subject to confirm the data in the database.

Abstract: A healthcare and wellness management system, which can be used to collect and analyze data related to a user's health. Using software applications and sensors embedded on a hardware platform, the system collects psychological and physiological data regarding a subject such as mood or stress level, food intake, and vital signs. The system may generate a health parameter based on the collected data. The system may initiate actions based on the gathered data. Multiple users may be ranked relative to one another based on their health parameters.

Abstract: Disclosed is a method for investigating data, the method including: starting an investigation application program preinstalled on a mobile terminal, receiving an investigation request in a display interface of the investigation application program, and determining whether a corresponding initiator of the investigation request is a predetermined investigating role; receiving an assignment instruction to assign the investigation task when the corresponding initiator of the investigation request is the predetermined investigating role and a corresponding investigation task of the investigation request is a predetermined task; and performing a corresponding transfer or assignment of the investigation task after determining the investigation task needs to be transferred or assigned, when the corresponding initiator of the investigation request is the predetermined investigating role and the corresponding investigation task of the investigation request is not the predetermined task.

Abstract: Data structures, graphical user interfaces, and computer-implemented processes for automation of project management. In an embodiment, data structures are used to associate items with colors and elements. A virtual design board in a graphical user interface can then be automatically or semi-automatically populated with items that are associated with selected color(s) and/or element(s). A user may associate one or more of the populated items with a project, such as a wedding event. The underlying application may be cloud-based and/or be capable of managing clients and projects, processing payments, managing inventory, providing distinct libraries, creating assemblies, automatically generating preparation lists, generating reports, managing contracts, managing interactions, applying machine learning to make predictions or classifications and/or automate tasks, and/or the like.

Abstract: A retail investor rating and recruiting system including a third-party rating and recruiting system (TPRRS) is disclosed. The TPRRS includes a processor, a storage device, an application programming interface (API) stored in the storage device, wherein the API defines one or more than one command invokable to initiate the transmission of brokerage account trading data from a broker system, associated with one or more than one retail investor, to the TPRRS, and a memory storing program instructions that, when executed by the processor cause the TPRRS to: analyze the brokerage account trading data associated with at least one retail investor to generate at least one of a retail investor performance metric or a retail investor rating for each retail investor, and transmit the at least one of the retail investor performance metric or the retail investor rating to a recipient device.

Abstract: A system for use in asset analysis includes: one or more asset type models, each relating to multiple individual assets having common characteristics; and a governance framework for each asset type model, the governance framework being operable to convert the asset type model into a specific asset model corresponding to a specific asset. An asset type model is converted into a specific asset model based on a plurality of decisions defined by the governance framework. The decisions defined by the governance framework are made according to input and/or known data or information relating to, and any specific asset model created using that asset type model therefore contains information about, one or more of the following: the specific asset itself, the condition of the specific asset, the operational context in which the specific asset operates; and the environment in which the specific asset operates.

Abstract: Provided is a system for conducting a payment transaction involving payment on delivery in real-time. The system may include at least one processor programmed or configured to receive transaction data associated with a payment transaction involving a merchant and a customer at a location that is independent of a merchant location, determine a financial institution of a plurality of financial institutions based on the transaction data associated with the payment transaction, communicate data associated with a request for authorization of the payment transaction involving the merchant and the customer, receive an indication of authorization of the payment transaction involving the merchant and the customer, communicate data associated with authorization of the payment transaction involving the merchant and the customer. A method and computer program product are also provided.

Abstract: Exemplary embodiments provide a multi-party digital check (MP-DC) through an electronic payment system that captures payor payment data/metadata regarding the intended multiple payees. The current embodiment shows two distinct payees, however the system is scalable to more than two distinct payees. MP-DC could have originated from a paper check as a facsimile picture or could be computer generated. The MP-DC is delivered to both payees via an online channel such as email, phone text message, in app message or any other form of online communication. In the current embodiment either Payee can endorse the MP-DC completely online with it's online signature or equivalent unique key i.e. without printing out the check. Once a payee has endorsed the MP-DC the other payee gets an online notification presenting the second payee with a MP-DC. The second payee has the option to cash the MP-DC using one of the methods/options presented.

Abstract: The present invention relates to methods, apparatuses and computer programs for a first road resource user and for a road resource allocation entity. The method for the first road resource user comprises reserving (120) a road resource by transmitting (122) a request for the road resource to a second road resource user (200) or to a road resource allocation entity (400), receiving (124) a grant for the road resource from the second road resource user (200) or from the road resource allocation entity (400), and storing (126) information related to the grant for the road resource within a storage unit associated with the first road resource user (100).

Abstract: There is provided a method for use by a mobile device. The method includes launching a software application requiring an identity verification of each of a plurality of users for performing a requested action, the plurality of users including a first user and a second user, receiving a first biometric information of the first user and a second biometric information of the second user, sending the first biometric information of the first user and the second biometric information of the second user to a server, receiving notifications from the server as to whether the first and second biometric information corresponding to biometric information in first user and second user profiles, respectively, and performing the requested action, if the notifications indicate a match.

Abstract: A method for processing a transaction between a source terminal and a destination terminal having a transaction phase is disclosed. In one aspect the method comprises receiving, by a source BTS, connected to the source terminal, a transaction request originating from the source terminal, the request carrying at least one identifier of the destination terminal and a transaction amount. Then obtaining, by the source BTS, destination terminal location information, on the basis of at least one location database, denoted BLDB, and the destination terminal identifier. Then determining, by the source BTS, at least one destination BTS, connected to the destination terminal, on the basis of the destination terminal location information. Then transmitting to the destination terminal, by the destination BTS, the request or one item of information relating to the transaction.

Abstract: A system for enabling electrical devices to exchange either battery or battery fluids or reagents that supply the energy for the battery or device with new recharged batteries or battery fluids or reagents for use in equipment including vehicles, excavating and earthmoving equipment, tractors and agricultural equipment or aircraft, smaller devices such as mobile phones, telecommunication devices and portable computers. This system involves handling and billing systems to ensure this is all done and that satisfactory payment to the supplier parties is achieved. The system involves packaging reagents such as enzymes, anodes, gases, etc. in sealed systems in order to ensure their integrity or having control over the delivery and retrieval and internal use systems to ensure the reagent is kept secure and uncontaminated.

Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Abstract: A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Abstract: An ID-POS information generation server communicates with a POS terminal installed in a predetermined facility and a user terminal carried by a user in the facility, and includes: a POS installation information storage; a user information storage; and a hardware processor. The hardware processor: obtains POS information and stores the POS information in a POS history information storage; obtains activity information and stores the activity information in an activity history information storage; and generates ID-POS information by identifying the user identification information corresponding to the POS information and adding the identified user identification information to the POS information, based on the POS installation position information and the date and time information corresponding to the POS terminal identification information included in the POS information and the user position information and the date and time information included in the activity information.

Abstract: A transaction card is provided for communicating with a computing device. The transaction card may comprise a computer interface device, at least one memory, at least one processor, and a card reader module. The card reader module configured to receive, from the computing device through the computer interface device, a first data packet comprising a request associated with a transaction, the first data packet being compatible with an interface protocol. The card reader module may process the first data packet to generate a second data packet compatible with the payment authentication protocol; provide the second data packet to the processor; receive, from the processor, a third data packet comprising a response to the request; process the third data packet to generate a fourth data packet based on the response, the fourth data packet compatible with the interface protocol; and transmit, to the computer interface device, the fourth data packet.

Abstract: Processor(s) provide software that configures mobile computing devices for transmit a respective original equipment manufacturer (OEM) device credential and transmit merchant information representing an identification and preference of a respective merchant. A transaction payload is received that represents at least i) a transaction initiated between a merchant and a customer, ii) an identification of the merchant, iii) an amount of the transaction, and iv) a transaction account associated with the customer. The transaction payload is encrypted using the OEM device credential. Thereafter, the transaction payload is decrypted and validated. Furthermore, the transaction payload is encrypted using an issuer credential, and routed via a predetermined payment service provider to a device associated with the issuer.

Abstract: A system having a device for assisting a purchase, incorporating: a central portion; suspension arms which are connected to the central portion and extend on either side of the central portion, the suspension arms being intended to be connected to a portable container which is provided with an opening so as to allow the portable container to be carried by the device; at least one movement sensor which is configured to detect a movement through the opening of the portable container; at least one image sensor which is configured to detect at least one image of a scene at least partially covering the opening; a position sensor which is configured to determine the current position of the device in a point of sale.

Abstract: An information processing apparatus according to one example embodiment is an information processing apparatus that performs a checkout process for a product or a service, and the information processing apparatus includes: a motion unit that causes the information processing apparatus to autonomously move; a detection unit configured to detect a position of a person; and a control unit that controls the motion unit in accordance with the position of the person.

Abstract: A system for facilitating payment and non-payment transactions between a computing device that lacks an activated payment application and a merchant is described. In an embodiment, a transaction bridge server receives, from a merchant server, transaction information for a particular transaction between a user and a merchant. The transaction bridge server generates a URL representing the particular transaction, sends the URL to the merchant server, and receives, from a web browser of a computing device, an indication of an interaction between the computing device and a touchpoint comprising the URL, the indication comprising a request to access the URL. The transaction bridge server generates a display page customized for the user, the display page comprising the transaction information, sends the display page to the web browser of the computing device, receives an acceptance of the particular transaction, and initiates the particular transaction.

Abstract: There is provided a card or token for use in financial transactions. The financial transaction token or card has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant Point-Of-Service (POS) terminal. In one implementation, the onboard energy storage device includes a capacitor such as a thin-film capacitor that stores sufficient energy to power onboard electronics without the need for an onboard battery. The card may be incorporated within various conventional apparatus such as a see-through and/or protective substrate, an item of clothing, an item of jewelry, a cell phone, a Personal Digital Assistant (PDA), a credit card, an identification card, a money holder, a wallet, a personal organizer, a keychain payment tag, and like personality.

Abstract: A system for automatically checking in a user device at an event via an e-wallet transaction includes one or more processors configured to schedule the event based on receiving one or more scheduling parameters from the user device, wherein the one or more scheduling parameters include a location of the event; transmit to the user device an event confirmation notification for the scheduled event, wherein the event confirmation notification includes an e-wallet merchandising card; authorize the e-wallet merchandising card transaction upon determining that one or more transaction parameters associated with a request for authorizing an e-wallet merchandising card transaction are each within a threshold value; and automatically checking in the user device at the scheduled event in response to the e-wallet merchandising card transaction being authorized.

Abstract: A digital wallet system comprises a document originator server and a user device. The document originator server is configured to generate a subject document including a first portion and associate an authentication stamp to form a document package. The document originator server is further configured to send the document package to a user. The user device corresponds to the user. The user device is configured to receive the document package and store the document package in a digital wallet. The user device is further configured to receive, from the user, a request to access the subject document, as well as a credential indication. The user device will provide, to the user, access to only said first portion of the subject document based upon a credential level of the credential indication.

Abstract: A system for data rights management and data distribution using deliberately constrained message integrity. When linked with a public distributed ledger technology (DLT) (e.g., a blockchain, a directed acyclic graph (DAG)), a system in accordance with this disclosure discourages redistribution of raw data in a decentralized manner without the need for policing or identification-based reputation building making it suitable for anonymous or single use data purchases.

Abstract: Various examples are directed to systems and methods for secure revision of an element of a mobile wallet. The wallet element includes a revision signature and revision instructions that the mobile wallet may use to determine a revision action for the mobile wallet element. After determining a revision action, the mobile wallet may identify an issuer of the wallet element using the revision instructions and send a message to the issuer. The message may for example include a revision request corresponding to the revision action along with the revision signature of the mobile wallet element. The mobile wallet may send the message to the issuer and receive a response that includes revised wallet element data. The mobile wallet may revise the wallet element based on the revised wallet element data. This may include replacing the wallet element with a new one, updating an expiration data, replace software or updating functionality of the wallet element, for example.

Abstract: A blockchain includes different digital assets, including digital tradeable tokens and inventory tokens. The blockchain may implement a transaction type that includes both digital tradeable tokens and the inventory tokens. The digital tradeable tokens and inventory tokens may be associated with physical assets that can be uniquely identified and are intended to be fungible with each other. The validation rules of the blockchain may rely upon quantities of the digital tradeable token and inventory tokens satisfying a predetermined relationship.

Abstract: A device in communication with a server over a network, the device comprising a processor and a network interface for communication over the network, wherein the processor is configured to: generate a request to purchase a trip and to send this request to the server using the network interface; the processor being further configured to receive a Real Time Payment indicator via the network interface and to send the received Real Time Payment indicator to a financial institution.

Abstract: A legitimacy management system or the like is provided, configured to be suitable for managing history information with legitimacy ensured giving consideration to security. A legitimacy management system 1 includes a user device 3, distribution device 5, and exchange apparatus 7. A splitting engine and combining engine are separately managed by user device 3 and exchange apparatus 7, respectively. User device 3 includes a splitting unit 21. Exchange apparatus 7 includes a combining unit 51. User device 3 instructs splitting unit 21 to split history information into multiple split files, and distributes the split files to user device 3 and the distribution device 5. When the history information is updated, user device 3 issues a request to exchange apparatus 7. In this case, combining unit 51 of exchange apparatus 7 combines the split files to acquire a combined file, and sends the combined file to user device 3.

Abstract: A blockchain consensus method includes: an accounting node generating a block and broadcasting verification information of the accounting node to other accounting nodes among N accounting nodes; receiving and verifying acknowledgement information broadcast by the other accounting nodes; and adding the block to a blockchain when the received acknowledgement information satisfies a second set condition. The N accounting nodes are determined according to coin age information carried in election requests broadcast by M election nodes.

Abstract: Technologies are shown for managing stored value on a blockchain involving creating a stored value contract block on a blockchain having an identifier of a first entity and code for transferring a portion of a stored value to a designated party. Funds data is stored to the blockchain indicating the stored value committed to the stored value contract block by the first entity. Code is invoked with an identifier of a second entity to transfer a portion of the stored value to the second entity. Some examples involve an intermediary entity verifying conditions defined in the stored value contract block in order to complete transfer. Other examples involve an intermediary entity monitoring conditions in order to initiate transfer when the conditions are satisfied.

Abstract: This invention discloses a novel system for securing and using payment token data in a system for processing electronic payment transactions that does not require down-time for rekeying encryption keys when the keys are rotated.

Abstract: Methods and systems for micropayment support to blockchain-incentivized, decentralized data streaming and delivery are disclosed. To receive a blockchain-based payment for streaming a data resource to multiple users, a caching node first joins a payment-authorized peer group and is notified upon the creation of a micropayment pool. After delivering a portion of the data resource to each user, a service receipt signed by the recipient user is obtained, and submitted to a payment server together with a payment authentication certificate. An updated off-chain transaction is obtained from the payment server, for later submission to the blockchain to claim a total payment from the micropayment pool.

Abstract: A method of facilitating the exchange of data between a user having a computing device, and a remote entity, where a first connection has been established between the user and the remote entity, and where the user has associated data exchange information with an application on the computing device, the data exchange information defining properties of the data to be exchanged between the user and the remote entity.

Abstract: Provided is a computer-implemented method for conducting a payment transaction to ensure data integrity of the payment transaction that includes generating a transaction authorization request message, where the transaction authorization request message comprises a payload associated with an electronic funds transfer at a point-of-sale (POS) device, and where generating the transaction authorization request message includes generating a digital signature for the payload using a private key of a payment gateway system and inserting the digital signature for the payload into the transaction authorization request message, transmitting the transaction authorization request message including the digital signature, and receiving a transaction authorization response message from a transaction service provider system. A system and computer program product are also provided.

Abstract: Disclosed herein are system, method, and device embodiments for ATM access during a power outage. In an example embodiment, an automated teller machine (ATM) may receive power from a mobile device including a banking application, send the power to a rechargeable battery of the ATM, and enter a reduced power mode, wherein the ATM is powered by the rechargeable battery. Further, the ATM may receive a transaction request including an authentication credential from the banking application, determine an account associated with the authentication credential, determine an authorization result indicating whether to perform the transaction request, and generate recordation information corresponding to the authorization result.

Abstract: Provided is a remittance processing method applied to a remittance processing system including remittance processing members and a blockchain.

Abstract: A method for detecting debit PIN routing may include receiving a first dataset and a second dataset for a merchant during a first time period. The first dataset may include credit transaction amount and the second dataset may include debit PIN transaction amount for the merchant during the first time period. A first ratio and a second ratio using the first dataset may be determined, and a third ratio and a fourth ratio using the second dataset may be determined. A first threshold value and a second threshold value using the first dataset may be calculated. Once the first, second, third and fourth ratios and the first and second threshold values are calculated, debit PIN routing behavior may be determined by comparing the first ratio to the first threshold value and comparing the second ratio to the second threshold value.

Abstract: A peripheral PINpad is connected to a host terminal. The PINpad includes an integrated camera/scanner, a secure processor, secure storage, and a network interface. The PINpad is configured to process in an independent mode of operation and a host-dependent mode of operation. Images captured by the integrated camera/scanner are decoded on the PINpad. The decoded image information, depending on a processing context, is not provided to and is not available to the host terminal. The PINpad is further configured to perform network interactions with external servers independent of the host terminal.

Abstract: Systems and methods involving computer-based processing for proactively reducing false-positive fraud detection incidents are disclosed. In one embodiment, an exemplary computer-implemented method may comprise: detecting when a subject online transaction matches criteria indicating it is unusual; operating a browser extension application to obtain UI image data and purchase details of an item purchased by a user during the unusual online transaction; evaluating historical transactions of the user to identify a potentially fraudulent online transaction; and executing a false-positive detection routine to determine if the potentially fraudulent online transaction is valid.

Abstract: Techniques are disclosed relating to determining validity of a flagged transaction in a transaction service. A server computer system may receive an indication of a flagged transaction between a sending user and a receiving user of a transaction service. The server computer system may collect, responsive to the indication, transaction information including sender information and receiver information, and then determine a similarity value indicative of an amount of similarity between the sender information and the receiver information. The server computer system may assess, based on the similarity value, whether the flagged transaction is valid.

Abstract: A method is disclosed. The method comprising: receiving, by an access control sewer via a directory sewer from an authentication requestor, an authentication request comprising an account identifier, and information regarding a prior authentication method on the account identifier and a current authentication method for the account identifier associated with a transaction; performing, by the access control server, a risk analysis for the transaction based at least in part on the information and a threshold; authenticating, by the access control server, the user of the account identifier using the information, the account identifier, and a result of the risk analysis; modifying, by the access control server, an authentication response to include an authentication indicator, and transmitting, by the access control sewer, the authentication response to the authentication requestor.

Abstract: Detecting and controlling fraud in centralized processing is provided. A system receives data packets carrying electronic transactions, and clusters the electronic transactions based on an intermediary identifier of each of the electronic transactions to identify a first cluster and a second cluster. The system generates a first model for the first cluster and a second model for the second cluster. The system detects a fraudulent electronic transaction having a first source identifier. The system locks a first data structure to prevent transfer of a first resource in electronic transactions associated with the first source identifier. The system identifies source identifiers associated with the first cluster in a first tier. The system locks absent detection of the fraudulent electronic transaction in one or more electronic transaction associated with the source identifiers, the data structure corresponding to each of the source identifiers in the first cluster.

Abstract: Methods and apparatus for enrolling a biometric payment card. In an embodiment, a biometric payment card processor receives fingerprint image data of a cardholder's finger during an initial purchase transaction, extracts digital information from the fingerprint image data and generates current fingerprint template data. The biometric payment card processor then compares the current fingerprint template data to data stored in a memory, determines that the current fingerprint template data did not match any data stored in the memory, transmits cardholder identification data and an authentication failure message to a payment card reader device, receives enrollment instructions from the payment card reader device, and then stores, in response to the instructions, the current fingerprint template data as enrollment fingerprint template data in the memory.

Abstract: A computing system architecture includes a service server and a first validator. The first validator is communicable to the service server. A validation request is sent from the service server to the first validator for validating a transaction. The validation request including a first facial image of a party of the transaction. The validator performs a facial recognition comparing the first facial image with a second facial image using a facial recognition algorithm.