Abstract: Described herein is a platform and method for determining a confidence level associated with a transaction that utilizes dynamic data. In some embodiments, the confidence level is determined based on location data received in relation to the transaction. For example, some embodiments are directed to storing first location information collected from a mobile device provided in a request for the dynamic data, receiving second location information related to a transaction conducted using the dynamic data, and comparing the two with respect to the amount of time that has elapsed between collection of each to determine a confidence level associated with a likelihood that the transaction is authentic.

Abstract: A secure method of real time money transferring between account holders utilizes Near Field Communication (NFC) technologies, dynamic transaction cards, and a mobile application to facilitate a seamless mobile transfer of funds. The dynamic transaction card of the customer requesting to make the transfer of funds may be placed in contact with the second recipient dynamic transaction card of the customer receiving the funds transfer to establish an NFC connection. The dynamic transaction card requesting the transfer may receive, via the NFC antenna on the card, the recipient customer account information stored on a passive NFC tag. The dynamic transaction card requesting the transfer may transmit the recipient account information to a mobile application, which may transmit the recipient account information to an account provider system for facilitating the funds transfer.

Abstract: A method includes receiving a request for enrollment from a user at a wallet service provider (WSP) computer, and enrolling the user in the WSP computer. A message is transmitted to the user to query the user about accepting payment card account system transactions. A response to the message, from the user, is received in the WSP computer. The WSP computer downloads, to a device operated by the user, a list of acquirer financial institutions. The WSP computer receives, from the device operated by the user, an indication that the user has selected one of the acquirer financial institutions from the list. An application program supplied by the selected acquirer financial institution is downloaded to the device operated by the user.

Abstract: Aspects of the disclosure relate to identity management and recommendation. A computing platform may receive a request to access information associated with one or more user accounts. The computing platform may send a biometric authentication prompt for identifying a user. The computing platform may receive biometric input of the user. The computing platform may retrieve one or more biometric enrollment templates from a database. The computing platform may compare the biometric input to the one or more biometric enrollment templates to determine if a match exists between the biometric input and one of the one or more biometric enrollment templates. Responsive to the user being authenticated based upon a match, the computing platform may retrieve and send information associated with the one or more user accounts. The computing platform may generate and send one or more recommendations associated with usage of the one or more user accounts.

Abstract: Application management services for simulated contactless cards support applying payment when a provisioned card (cardholder profile) is stored in volatile memory of a computing device by maintaining a first channel open between a payment application and a provisioning service while communicating payment information to a point of sale terminal over a second channel.

Abstract: There are provided systems and methods for shared cryptogram generation during multi-party digital token processing. A service provider, such as an electronic transaction processor for digital transactions, may require tokenized data in order to protect sensitive or secure data, such as payment card data during electronic transaction processing. In this regard, the service provider may tokenize the data, which may require a cryptogram for validation of a corresponding digital token. The cryptogram may be generated based on input from multiple participants to the transaction, where a length of the cryptogram may be determined based on a risk score for the transaction. Each transaction participant may be assigned one or more slots or values in the cryptogram to provide based on the risk score and other rules for cryptogram generation. Each participant may provide corresponding portions, where the service provider may generate and backwards update the participants of the cryptogram.

Abstract: Aspects of this disclosure relate to various systems and methods for use in a regulated industry and using an SEC qualified stablecoin as a store of value and medium of exchange on a blockchain-based transaction network. The system includes a stablecoin blockchain system with a stablecoin blockchain framework, a stablecoin ecosystem, and a stablecoin blockchain transaction network. The stablecoin blockchain system facilitates transactions between stablecoin blockchain participants within the stablecoin ecosystem. The stablecoin ecosystem conducts transactions across a stablecoin blockchain transaction network and a distributed blockchain ledger.

Abstract: A computer-implemented method includes: receiving a request to perform a mobile wallet transaction between a user and a merchant via a mobile wallet application operating on a mobile device of the user; determining a location of the mobile device; receiving transaction information from a merchant computer system associated with the merchant; determining a location of a merchant point-of-sale device in communication with the mobile device; comparing the location of the mobile device and the location of the merchant point-of-sale device to determine whether the location of the mobile device is within a predefined distance of the location of the merchant point-of-sale device; generating a transaction code; transmitting the transaction code to the mobile device; transferring funds from an account of the user to a merchant account; and, transmitting an indication that the mobile wallet transaction has been completed to the mobile device.

Abstract: Systems and methods are disclosed herein for identifying users based on voice data and media consumption data. A media guidance application may generate a voice signature from the user's input and based on that signature identify some demographic characteristics of the user (e.g., age, gender, and other suitable characteristics). The media guidance application may retrieve user data for users that are associated with a household of the user and attempt to identify which of the users spoke the command. If multiple users are identified, based on the demographic characteristics, the media guidance application may use the content of the voice command (e.g., a type of media requested) to identify the user.

Abstract: A system and method for generating a predictive model include accessing data from a dynamic dataset and a static dataset, generating a unique individual profile for each of a plurality of subjects within a population, assigning a class attribute to each subject, and based on the unique individual profile and the class attribute for each subject, developing a classification model based on the unique individual profile and the class attribute for each of the plurality of subject, and generating an individual score for each of the plurality of subjects using the classification model. The unique individual profile is generated from the data in the dynamic and the static datasets.

Abstract: Techniques are disclosed relating to secure data storage. In various embodiments, a mobile device includes a wireless interface, a secure element, and a secure circuit. The secure element is configured to store confidential information associated with a plurality of users and to receive a request to communicate the confidential information associated with a particular one of the plurality of users. The secure element is further configured to communicate, via the wireless interface, the confidential information associated with the particular user in response to an authentication of the particular user. The secure circuit is configured to perform the authentication of the particular user. In some embodiments, the mobile device also includes a biosensor configured to collect biometric information from a user of the mobile device. In such an embodiment, the secure circuit is configured to store biometric information collected from the plurality of users by the biosensor.

Abstract: Techniques are described for storing customer data in compliance with data retention policies, including data retention policies that may imposed by law or regulation. A merchant website may be configured to gather customer information using an inline form obtained from a service provider, where the inline form protects the customer information from being accessed by the website. The customer information is provided from the inline form to the service provider, and the service provider stores the customer information for the merchant, while applying appropriate data retention policies. The merchant may avoid potential violations of retention policies by accessing the stored information without committing it to local persistent memory. In some cases, the stored information may be presented to the merchant through an inline form that protects the information from being accessed by computing components of the merchant.

Abstract: Disclosed here is a system that can obtain attributes of an advertisement, where an attribute has a continuous value, and a range of acceptable values is uncertain. The system can create a file including contents that when provided to a predetermined function produce a value of the attribute. Based on the file, the system can generate values corresponding to the attributes. Based on the generated values, the system can create the advertisement. The system can obtain a response data to the created advertisement and can fit a multidimensional function to the attributes and the user response data. Based on the multidimensional function, the system can determine next values and next ranges, where the next values and the next ranges indicate an improvement in the response data.

Abstract: The described embodiments concern one or more methods, systems, apparatuses, and computer readable mediums storing processor-executable process steps to authenticate mobile subscribers for using a foreign application when they are outside of their home telecom carrier's mobile network zone (“foreign zone”). A mobile subscriber can be authenticated through data roaming service, voice roaming service, and/or WiFi service. After cross network authentication, a mobile subscriber can use the foreign application to provide the same or similar services in a foreign zone, such as foreign country, through the home services in connection with the subscriber's home telecom carrier in a similar manner like he/she can use in his/her home zone, such as home country.

Abstract: Provided are a transaction delegation method, a transaction delegation system, and a computer readable medium storing a computer program. In this transaction delegation method: a second device that stores account data in a blockchain system receives, through communication outside the blockchain system, delegation data from a first device used by a user, the delegation data being for delegating execution of a desired transaction of the user in the blockchain system; a delegation transaction that causes an execution smart contract executing a transaction based on an account of the user in the blockchain system to execute the desired transaction is created on the basis of the delegation data transmitted from the first device; and the delegation transaction with payment of a fee token or a utility token required for executing a transaction is broadcast to the blockchain system on the basis of the account data.

Abstract: A system for storing an object includes a card reader configured to receive a card from a user and to determine an identity of the user based on information on the card. The system also includes a secure storage area configured to store a plurality of physical boxes. The plurality of physical boxes includes a first physical box that is assigned to the user. The first physical box is configured to be dispensed from the secure storage area to the user outside of the secure storage area in response to the user requesting to physically receive the first physical box. Dispensing the first physical box includes moving the first physical box along a predetermined path in the secure storage area and presenting the first physical box for removal from the secure storage area.

Abstract: A method includes: accessing a corpus of emails sent from a email account prior to the initial time period; correlating sequences of words, in the corpus of emails, with language signals; aggregating the language signals into a sender model that represents combinations of language signals characteristic of language in emails sent from the email account; later, accessing a email outbound from the email account and directed to a recipient; scanning the email for the set of language signals; correlating sequences of words in the email with language signals; calculating a similarity score for the email based on the subset of language signals detected in the email and the sender model; and, in response to the similarity score falling below a threshold similarity, flagging the email as suspicious and redirecting the email away from the recipient.

Abstract: A two-dimensional code encoder for a two-dimensional code which is generated on a mobile phone terminal or a personal computer includes a device configured to generate multiple two-dimensional codes in advance and to store to preserve the two-dimensional codes so generated, a device configured to affix the multiple two-dimensional codes so preserved individually to 12 surfaces of front and rear surfaces of polygonal plates of a three-dimensional polyhedron (a regular hexahedron), a device configured to tag the two-dimensional codes affixed to the 12 surfaces for storage, and a device configured to display the tagged two-dimensional codes two-dimensionally on screens of the mobile phone terminal or the personal computer.

Abstract: Systems, methods, and computer-readable media for communicating electronic device secure element data over multiple paths for online payments are provided. In one example embodiment, a method includes, inter alia, at a commercial entity subsystem, receiving, from an electronic device, device transaction data that includes credential data indicative of a payment credential on the electronic device for funding a transaction with a merchant subsystem, accessing a transaction identifier, deriving a transaction key based on transaction key data that includes the accessed transaction identifier, transmitting, to one of the merchant subsystem and the electronic device, merchant payment data that includes a first portion of the credential data and the accessed transaction identifier, and sharing, with a financial institution subsystem using the transaction key, commercial payment data that includes a second portion of the credential data that is different than the first portion of the credential data.

Abstract: A method for implementing a set of transaction mediums dedicated to a common commitment includes obtaining a set of transaction mediums at a first networked transaction node. The method also includes individually transacting each of the transaction mediums to a second networked transaction node in a first transaction. The method further includes individually, separately and uniquely marking each of the transaction mediums with a first identifiable characteristic limited only to the set of transaction mediums.

Abstract: Described are a system, method, and computer program product for customizing functions of a point-of-sale (POS) terminal. The method includes receiving payment device data from an electronic payment device of a user during a payment transaction between the user and a merchant. The method also includes receiving at least one script for execution on the POS terminal from the electronic payment device. The at least one script is associated with a digital signature. The method further includes verifying the at least one script based on the digital signature of the at least one script and executing the at least one script on the POS terminal to cause an action associated with a user interaction with the POS terminal to be performed.

Abstract: Disclosed herein are system, method, and computer program product embodiments for processing tokenization requests in-memory of an application server. Reliance on remote devices, such as hardware security modules, is reduced because functions associated with processing tokenization requests is performed at the application server instead of the remote devices. Applicant server includes a multi-level cache for storing and accessing data for generating, hashing, and encrypting tokens in response to tokenization requests received from client devices.

Abstract: Methods and systems are provided. One system is of a vehicle for processing communication with connected objects. The processing by the system uses a processor of the vehicle and processing and data from one or more servers of a cloud system. The connected objects include objects having communication capabilities that are either fixed at specific locations as infrastructure proximate to where the vehicle is located or locations proximate to where the vehicle is moving. The system includes a global positioning system of the vehicle for generating geo-location for the vehicle and a heading direction. The geo-location is configured to be shared with a server of the cloud system using a communications device of the vehicle. The server of the cloud system is configured to receive the geo-location of the vehicle to identify the heading direction of the vehicle.

Abstract: A process for combining domain restriction and remote authentication may include receiving a token from a plug-in application to conduct a transaction associated with a user of a communicating device. The process may include sending an authentication request to a remote access control sever to authenticate the user, and receiving, from the remote access control server, an authentication tracking value that the remote access control server used in generation of an authentication cryptogram. The process may also include generating, using the authentication tracking value, a domain restriction cryptogram that is used for domain restriction of the token, and sending, to the plug-in application, the domain restriction cryptogram.

Abstract: A networked infrastructure is described that includes a set of programmed computing nodes, each node being configured with a processor and non-transitory computer readable media including computer-executable instructions that, when executed by the processor, facilitate a social security number registry server carrying out a method that provides an individual with the ability to remotely approve or disapprove, in real-time, the use of his/her social security number (SSN) by a relying party server.

Abstract: Tools are provided for distributing access-restricted content in an internet protocol television (“IPTV”) environment based on portable entitlement keys. Such tools can include a decoder, an encoder, and a network entitlement handler. The decoder may be configured to receive a key associated with entitlement information, and transmit the entitlement information over a network. The encoder may be configured to receive content from content providers, and to encode the content to create IP-compatible content, with access restrictions based on entitlement. The network entitlement handler may be configured to receive a request for requested content from the decoder; receive the access-restricted content (including the requested content) from the encoder; and transmit the requested content over the network to the decoder using IP, when the decoder is entitled to receive the requested content.

Abstract: The invention relates to a method for carrying out a payment transaction on a bank terminal using an electronic payment device, where the device contains at least two payment applications. The method includes a step of data communication from the device to the terminal during a transaction, which data contains at least information of a first type identifying each payment application of the device; and a step of configuring the device so that the data provides information of a first type relative to at least one disabled payment application. The invention likewise relates to the corresponding system.

Abstract: A method for transferring funds to a second electronic computing device includes establishing a first pre-paid payment account on a first electronic computing device. The first pre-paid payment account is used to establish one or more second pre-paid payment accounts. The one or more second pre-paid payment accounts have a value that is less than or equal to the first pre-paid payment account. A first account identifier is obtained for one of the second pre-paid payment accounts. The first account identifier is sent to the second electronic computing device. The sending of the first account identifier to the second electronic computing device results in a transfer of ownership of the one more second pre-paid accounts from a first user at the first electronic computing device to a second user at the second electronic computing device.

Abstract: A mobile device includes at least one processor, a memory and computer-executable instructions stored thereon. The mobile device is structured to determine first geolocation information indicative of a location of the mobile device and determine, based on the first geolocation information, that the mobile device is located within a predetermined geographic region from a plurality of merchant locations. The mobile device generates an electronic alert message regarding the plurality of merchant locations and displays the electronic alert message to the user. The mobile device determines a user selection of a payment card via a mobile wallet application running on the mobile device. Second geolocation information regarding a location of the mobile device is determined. A code generate a code for a purchase transaction is generated. The code includes the second geolocation information, tokenized payment card information, and a merchant identifier.

Abstract: Disclosed herein are systems, methods, and computer-readable media for increasing security of devices that leverages an integration of an authentication system with at least one corporate service. In one aspect, a request is received from a user device to authenticate a person as a particular user by the authentication system. A photo of the person attempting to be authenticated as the particular user is captured. Nodal points are mapped to the captured photo of the person attempting to be authenticated, and the nodal points from the photo are compared against a reference model for facial recognition of the particular user. It is then determined whether the nodal points match the reference model for the particular user. The present technology also includes sending a command to the user device to send data to identify the person, and/or a location of the user device.

Abstract: A user conducts a wireless payment transaction with a merchant system by transmitting payment information from a user device to a terminal reader without accessing a secure element resident on the user device. A user taps a user device in a merchant system's terminal reader's radio frequency field. The terminal reader and the user device establish a communication channel and the terminal reader transmits a signal comprising a request for a payment processing response. The signal is received by the user device and converted by a controller to a request understandable by an application host processor. The controller transmits the request to the application host processor, where the request is processed, and a response is transmitted to the controller and then to the terminal reader. The response generated by the application host processor is identifiable by the merchant system as a payment response.

Abstract: Disclosed herein is a system to facilitate gamified arbitration of smart contracts. Further, the system includes a communication device configured for receiving a smart contract data associated with a disputed smart contract from an external system, transmitting an arbitration request to a plurality of arbitrator devices to arbitrate the disputed smart contract, receiving an acceptance of the arbitration request from two or more arbitrator devices in the plurality of arbitrator devices, receiving an arbitration stake from the two or more arbitrator accounts associated with the two or more arbitrator devices, transmitting the smart contract data to the two or more arbitrator devices, and receiving an arbitration result from the two or more arbitrator devices, and a processing device configured for allocating the security deposit fund amongst the plurality of participants and the two or more arbitrators corresponding to the two or more arbitrator devices based on the arbitration result.

Abstract: A system for updating a digital wallet installation is disclosed. Event information is received. The received event information is evaluated against a set of rules. A digital wallet asset logical instance to be updated is identified based at least in part on the evaluation. The identified instance is updated. An installation of a digital wallet asset associated with the identified instance is identified. An update instruction is provided to a device associated with the installation.

Abstract: A method of processing a transaction includes receiving a site location code. Site configuration information corresponding to the received site location code is received from a database. That information includes more product record(s), each corresponding to a reservable product or a non-reservable product. A selection of one or more of the product records in the retrieved information is received. If any selected product record corresponds to a reservable product, a reservation command is produced. That command requests reservation of selected reservable product(s). A method of selecting a product includes receiving a location input and determining a site location code with it. The site location code is transmitted and one or more product records are received. Representations of one or more of the received product records are presented and a selection of products is received. An indication of the selection is transmitted.

Abstract: Disclosed are methods and systems for quantifying degrees of association between blockchain addresses in a weighted-linked database. The method may include: obtaining a node data set comprising one or more nodes and edges; associating a first node of the node data set with a first weight factor; identifying a first edge of the node data set, wherein the first edge comprises data indicating a source node address corresponding to the first node, a target node address corresponding to a second node of the one or more nodes in the node data set, and a first edge weight; determining a source value for the second node based on the first weight factor and the first edge weight; generating, a risk value for the second node based on the source value; and presenting, on a GUI, graphical depictions of the first node, the second node, and the first edge.

Abstract: Disclosed are a system, method, device, and/or non-transitory computer readable medium for providing an instant messaging service implemented with a computer. The method includes receiving a request on establishing a conversation interface with an official account registered at the instant messaging service from a client, providing a rich menu user interface associated with the official account on a portion of the conversation interface when the client establishes the conversation interface in response to the request, receiving a selection on a display item included in the rich menu from the client, identifying content associated with the selected display item by a manager of the official account, and providing the identified content to the client through the conversation interface.

Abstract: A method for execution by a marketplace server includes detecting fraudulent acquisition of an exchange item by a first computing device, where the exchange item has a static identifier (ID) and a dynamic ID that is generated based on exchange item security parameters associated with the exchange item. The method further includes deactivating the dynamic ID and the exchange item security parameters in response to the detecting fraudulent acquisition, where the static ID of the exchange item remains active and valid. The method further includes generating second exchange item security parameters for the exchange item. The method further includes generating a second dynamic ID based on the second exchange item security parameters, where the second dynamic ID establishes the exchange item for utilization in an exchange item marketplace network. The method further includes updating a record in a marketplace database to include the second dynamic ID.

Abstract: Described herein are systems and methods in which more secure methods are provided for a connected device to conduct transactions. In accordance with embodiments of the disclosure, a transaction code is generated and provided to the connected device. The transaction code may be stored in association with the information for the transaction such that when the transaction code is received at a transaction processing server, the transaction processing server is configured to generate an authorization request that includes the transaction information. The authorization request may then be routed to an authorization server associated with an account maintained by the transaction processing server.

Abstract: Systems and methods for authentication may include a first device including a memory, a communication interface, and one or more processors. The memory may include a counter value, transmission data, and at least one key. The one or more processors may be in communication with the memory and communication interface. The one or more processors may be configured to create a cryptogram using the at least one key and counter value, wherein the cryptogram includes the counter value and the transmission data; transmit the cryptogram via the communication interface; update the counter value after cryptogram transmission; receive an encrypted access token via the communication interface; decrypt the encrypted access token; store the decrypted access token in the memory; and transmit, after entry of the communication interface into a communication field, the access token via the communication interface for access to one or more resources, wherein the access token is encrypted.

Abstract: Disclosed are various examples of intelligent provisioning management. An application launch is detected from a client device. An application launch policy is identified. Device parameters are identified and mapped to an application access type according to the application launch policy. The application is accessed according to the application access type.

Abstract: The present disclosure provides a method and a device for control of blockchain data access based on a smart contract. The method includes obtaining, by a blockchain node, an access operation request of an institution, the access operation request including a transaction identifier of a transaction to be accessed, according to the transaction identifier, determining a blockchain state corresponding to the transaction identifier, the blockchain state including a hash value of the transaction corresponding to a last time change of the blockchain state, according to the hash value of the transaction corresponding to the last time change in the blockchain state and an identifier of the institution, performing data access control on the institution, obtaining control result, and transmitting the control result to the institution.

Abstract: A method in accordance with the invention includes: providing to a hub, from an enclave associated with a TEE at a node, an enclave public key; establishing a channel with the hub by broadcasting to a blockchain network a funding transaction which encumbers a digital asset with a first public key, a second public key and a third public key such that the encumbrance of the digital asset may be removed by: 1) both a first signature generated from a first private key corresponding to the first public key and a second signature generated from a second private key corresponding to the second public key; or 2) a third signature, valid for the third public key, the third public key associated with a group; receiving a commitment transaction encrypted with the enclave public key; detecting a failure; and issuing a failsafe activation request to the group using data from the enclave.

Abstract: Various examples described herein are directed to systems and methods for managing payments of a first merchant. A mobile wallet application may receive first payment element data describing a first payment element for making a first payment and may determine that the first payment element is to be processed by a limited payment network. The mobile wallet application may send a first payment authorization message to an issuer of the first payment element via the limited payment network. The mobile wallet application may also receive second payment element data describing a second payment element for making a second payment. The mobile wallet application may determine that the second payment element is not to be processed by the limited payment network, and send a second payment authorization message to an issuer of the second payment element via a second payment network.

Abstract: A point of sale system includes a merchant terminal and a customer terminal. The merchant terminal is configured to display a user interface (UI) window on the merchant terminal. The UI window on the merchant terminal displays a merchant-specific version of a screen displayed on the customer terminal. The merchant terminal receives updates from the customer terminal regarding the status of the payment portion for a transaction. The merchant terminal can provide an input to the UI window which is sent as a message to the customer terminal. Control of state for the point of sale system is shared such that when the system is in a first state, the merchant terminal is the state control terminal, and when the point of sale system is in a second state, the customer terminal is the state control terminal and has control of state for the system.

Abstract: An apparatus verifies hosted information associated with a user. The apparatus establishes, by the online host serving as a relying party system (RPS), a secure connection between the RPS and a user mobile-identification-credential device (UMD). The RPS sends a mobile identification credential (MIC) user information request to the UMD, via the secure connection, seeking release of MIC user information (official information). The RPS obtains from authorizing party system (APS) verification of the MIC user information received in response to the MIC user information request. The RPS stores the MIC user information as hosted information pertaining to the user. The RPS designates the hosted information as base truth information representing the user.

Abstract: An online transaction with a merchant website is initiated and completed via a single input action by a user. An online transaction application retrieves a first portion of user credit card information from a first storage location and a second portion of the user credit card information from a second storage location, decrypts the first portion with a first decryption key and the second portion with a second decryption key, encrypts and temporarily stores the complete user credit card information, and publishes an order associated with user order information to a pub/sub message bus. In response to the order being published, a headless browser that is connected to the merchant website retrieves and decrypts the unified user credit card information; completes the merchant checkout process; and deletes, erases, or otherwise removes the temporarily stored complete credit card information.

Abstract: A system and method for authenticating a candidate user accessing a host computing device as an authentic user is provided. The host computing device is in communication with an authenticating computing device. The method includes receiving, by the authenticating computing device, a request to authenticate the candidate user as an authentic user. The authentication request includes a user identifier. The method also includes retrieving, by the authenticating computing device, transaction data including payment transactions performed by the authentic user based on the user identifier. The method also includes generating, by the authenticating computing device, a challenge question and a correct answer based on the transaction data associated with the authentic user, and transmitting the challenge question for display on a candidate user computing device used by the candidate user.

Abstract: Disclosed are systems and methods for processing gift transactions. An example method includes receiving an identification of a first merchant from a giver at a first time, wherein a gift from the giver to a recipient is redeemable at the first merchant. The method can include generating a policy comprising the first merchant. The policy can be at least in part giver-defined and linked to the recipient payment account. The method can then include transmitting an electronic notice to a recipient device, receiving a selection from the recipient of a second merchant at which to redeem the gift from the giver, updating the policy to apply to the second merchant selected by the recipient to yield an updated policy and, upon receiving an indication of a triggering event caused by use of the recipient payment account as defined by the updated policy, applying an amount of money to the gift.

Abstract: Approaches are described for contingent transfers of value. A configuration record for an account associated with a virtual wallet is obtained. The configuration record is used to evaluate at least one virtual wallet of an owner account. Based on the configuration record, keys or other secret data and an authorization scheme can be determined and applied to virtual wallets that are part of a contingent contract. Thereafter, the virtual wallets can be utilized to exchange tangible and virtual digital currencies in various financial transactions, banking operations, and other asset exchanges and/or utilized for another purpose such as exchanging an irreversible transfer of value as in a virtual currency to a reversible transfer of value as in fiat currency or a financial instrument.

Abstract: Disclosed embodiments include methods, systems, and computer-readable media configured to provide wearable devices storing tokens associated with digital versions of physical documents/cards. The wearable devices may further transfer tokens securely to interested parties without Bluetooth® or other network connectivity beyond NFC radio. In some embodiments, a token vault operator system may receive a request to establish a token vault account for a user, authenticate an identity of the user based at least on the received request, and generating a token vault ID associated with the user. The token vault operator system may further configure access to data sets generated for and associated with the token vault ID, generate tokens associated with the token vault ID, each token corresponding to one of the one or more data sets, and provide the generated plurality of tokens associated with the token vault ID to at least one user device.