Abstract: A method of controlling a printing system includes requesting, by an information processing apparatus included in the printing system, using electronic payment identification information regarding an electronic payment service, an electronic payment server included in the printing system to perform an authentication, requesting, by the information processing apparatus, using information associated with the electronic payment identification information as print identification information regarding cloud printing, a cloud print server included in the printing system to perform an authentication, and after the authentication, and registering, in the cloud print server, print data that is associated with the electronic payment service and acquiring, by the information processing apparatus, the registration information regarding the electronic payment service and the cloud printing.

Abstract: An information processing apparatus includes a processor. The processor is configured to, in response to acquisition of a read image of a second document whose type is identical to a type of a first document, extract a character string included in, in the read image of the second document, a region where information about surroundings that matches first-document surroundings information is acquired, the information about surroundings satisfying a matching condition for determining matching with the first-document surroundings information that is acquired from an image around an item value acquisition region including an item value to be extracted in a read image of the first document, the character string being extracted as an item value to be extracted in the read image of the second document.

Abstract: This disclosure relates to blockchain smart contract-based data processing. In one aspect, a method includes obtaining, by a node in a blockchain network in which a service smart contract is deployed, a service initiation transaction. The service initiation transaction is broadcast to other nodes. While executing the service initiation transaction, the service smart contract is invoked using a blockchain virtual machine that includes a first instruction set comprising a data exchange instruction and processing logic corresponding to the data exchange instruction. The node triggers execution of the processing logic based on the data exchange instruction in the service smart contract using the blockchain virtual machine, thereby performing a data exchange processing operation on data to be processed. A second instruction set of a smart contract compiler includes the data exchange instruction. The service smart contract is compiled using the smart contract compiler and includes the data exchange instruction.

Abstract: A method and system for managing communications between a veterinarian (vet) and a pet owner including video communications may integrate pet medical records access along with allowing a vet to view as well as annotate pet medical records during a video consultation with the pet owner. Either the vet or the pet owner may set up a video conference between each other. The method and system may establish a video conference in which a vet may access the video conference with a desktop computer while the pet owner accesses the video conference a portable computing device (PCD). A video conference may be established by the pet owner, usually, after payment information from a financial card is supplied to the system. The method and system provides a chat functionality, which can be initiated by the pet owner or the vet, and allows both parties to send/receive messages and/or images.

Abstract: A cloud based intelligent secretary application, a method and a system for scheduling a meeting is disclosed. The invention includes a cloud based intelligent secretary application, running on a mobile device (200, 500, 800, 1100) and a cloud server (222, 522, 822, 1122). The cloud based intelligent secretary application enables multiple users to form a group. The members of the group allow their mobile devices to be accessed by the cloud based intelligent secretary application. The cloud based intelligent secretary application receives a request for arranging a meeting (312) with at least two members of the group. The cloud based intelligent secretary application calculates the meeting means, place and time that allow the minimum total disruption and cost, and/or, maximum efficiency for the meeting. The cloud based intelligent secretary application suggests (340) the meeting means, place and time that allows the minimum total disruption and cost.

Abstract: Provided are a system and method for providing an Internet of Things (IoT) security service using a hardware security module. The system includes a host device configured to transmit a security service request by calling a security service application programming interface (API) and a security module configured to convert the security service request into a security execution request and execute the security execution request by calling a security API. According to the call of the security API, the security module converts the security execution request into a request to execute a security algorithm executable by at least one of a security element and a security storage.

Abstract: An example system includes a memory, one or more processors in communication with the memory, and a container image generator. The container image generator receives a first set of information. The container image generator receives a second set of information, including secure information that requires validation to be accessed. The container image generator generates a first container layer, including a first URL associated with the first set of information. The container image generator generates a second container layer, including a second URL associated with the second set of information. The container image generator stores the first container layer and the second container layer at a storage location.

Abstract: Various aspects of a method and system for authentication of a virtual currency instrument for a monetary transaction are disclosed herein. In accordance with an embodiment, the method includes activation of a software module different from a payment application at an electronic device. An authentication of secure information, which is read through the payment application by the software module, is performed at the electronic device. Output of an authentication result occurs at the electronic device based on the authentication from the software module for the monetary transaction.

Abstract: A system and a method of transferring a transaction between a source node and a destination node of a computer network, by at least one processor of an intermediary node may include: receiving a request to transfer the transaction from the source node to the destination node; extracting from the transaction request at least one data element; obtaining from a first database at least one condition element; anonymizing the transaction; and transferring the anonymized transaction from the intermediary node to the destination node, based on at least one of: the at least one condition element and the at least one extracted data element.

Abstract: An approval request is transmitted for a cryptoasset transaction in accordance with a policy stored in a hardware security module (“HSM”). The policy specifies at least one specific approver required for approval of the cryptoasset transaction. The approval request is transmitted to a computer device associated with the specific approver and is configured to cause the computer device to prompt the specific approver to approve the cryptoasset transaction. A security key is received from a hardware security token associated with the specific approver. The security key indicates an approval of the cryptoasset transaction. A risk analysis module authenticates an identity of the specific approver based on the security key. Responsive to the authenticating of the identity of the specific approver, the HSM signs the cryptoasset transaction using a cryptographic key stored in the HSM.

Abstract: The system includes receiving transaction information of the transaction including merchant identification information, consumer identification information and a transaction identifier associated with a barcode. The system also accesses a database of profile data using the merchant identification information to determine a transaction type of the transaction. The system also sends output data via the communications network by using workflow instructions associated with the transaction type, the output data for consumption by a consumer device of the consumer. The system also receives input data from the consumer device and includes the input data with the transaction information to generate a transaction request. The system can also send the transaction request via the communications network to a merchant interface of the merchant to complete the transaction with the merchant.

Abstract: A cloud-based computing system is provided that includes a payments platform for integrating payment gateway services with a cloud computing platform so that clients of the cloud computing platform can perform payment transactions with customers via the cloud computing platform. The payment gateways that include a particular synchronous payment gateway. The cloud computing platform can include a multitenant database system that provides applications and services to a plurality of clients, and a payments platform module. Each client can be, for example, a tenant or organization of the cloud computing platform that transacts business with one or more customers via a payment gateway. The payments platform module has a pluggable architecture for integrating payment gateway adapters with the cloud computing platform.

Abstract: A method stores, at a first computer system, first data associated with a user, a first portion of a first account number associated with the first data, and third data associated with the first data. An identity of the user is unidentifiable from the first data. The method receives, at the first computer system, a second portion of a second account number from a second computer system, second data generated by the second computer system based on electronically obtained identification information. The method transmits, by the first computer system, a message associated with the user based on the third data when the second data corresponds to the first data and the second portion of the second account number corresponds to the first portion of the first account number. The message is for completing a transaction, preventing a crime, making a statement, triggering a response, and/or giving an instruction.

Abstract: A method of processing a virtual money order transaction includes establishing an account for a first user having a first user device and receiving from a second user device, a virtual money order purchase request identifying the first user as a payee, an amount, and payment information. A transfer of a payment amount from a second user account to a transaction processor account is processed and a virtual money order is generated with associated information accessible at a network address. A notification including the network address is transmitted to the first user device and a request to receive the money order information is received via the network address. Responsive to verification that the requester is authorized, the information is transmitted to the first user device. A redemption request is received and a transfer of the money order amount from the transaction data account to the redemption requester is processed.

Abstract: A computer-implemented method for collaboratively purchasing an item. The method includes receiving a collaborative purchase request from a user at a collaborative purchasing computing system. The collaborative purchase request includes at least one of a purchase type, a purchase item, and a purchase goal. The method includes analyzing the collaborative purchase request to identify other users associated with the collaborative purchasing computing system that have indicated a desire to participate in a collaborative purchase request similar to the received collaborative purchase request. The method includes transmitting a collaborative purchase offer to the identified users. The method further includes receiving one or more collaborative purchase offer acceptances from one or more of the identified users, and providing details required to complete the collaborative purchase request to the user and the one or more identified users that accepted the collaborative purchase offer.

Abstract: The proposed system aims to perform regulatory identification in a given transaction context. Through this system, clients validate customers via multiple angles, specifically, risk-based authentication and identity risk analysis. Ultimately the output recommendation helps clients decide whether to proceed with the transaction. Clients use the system in a variety of contexts. In the KYC (Know Your Customer) context, clients often are legally required to vet prospective customers thoroughly. For instance, it might be illegal to do business with someone from a sanctioned country, or someone on a sanctioned list provided by OFAC. In the anti-fraud context, clients have a different set of concerns. They care more about the identity risk of the transaction. They might want to know if an identity they encountered is a synthetic identity, and stop the fraudulent transaction from going through. IDM can provide a recommendation on both of the contexts above, with a measure of estimated confidence.

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: Implementations of the disclosure are directed to capturing verifiable images having an embedded immutable identity of things appearing in the image. In implementations, a method includes: obtaining an image of an entity; receiving a beacon from a beacon device of the entity, the beacon including a secured representation of the entity's distributed ledger address; and embedding the secured representation of the entity's distributed ledger address in the image to create an image dataset.

Abstract: A computer-implemented system for generating a data transaction log, the system comprising: at least one first storage storing at least one first data table, the at least one first data table including at least one transaction log and being associated with first nodes; at least one second storage for storing at least one second data table; at least one processor configured to execute the steps of: generating a registry; maintaining at least one data source agent, each data source agent being configured to: query the registry to receive an address of the one or more first data table; receiving, in response to the query, the at least one transaction logs from at least one first storage, wherein each transaction log is associated with a transaction time; compiling one or more modified transaction logs; and maintaining at least one streaming process, each streaming process being configured to: generate the at least one second data table based on the modified transaction logs for storage in the at least one second

Abstract: Examples in this application disclose an information sharing methods, media, and systems. One example method includes receiving, by a trusted execution environment (TEE), a user verification result acquisition request from a first institution, where the user verification result acquisition request is configured to request a verification result associated with a user, receiving first encrypted data of the user from a second institution, decrypting the first encrypted data to obtain first user basic data, receiving second encrypted data of the user from a trusted institution, decrypting the second encrypted data of the user to obtain second user basic data, in response to the user verification result acquisition request, determining the verification result of the user to indicate whether the first user basic data matches the second user basic data, and sending the verification result of the user to the first institution.

Abstract: Virtually every online account requires login credentials like username and password for access. Using different credentials for each account can reduce the likelihood of unauthorized access to these accounts. Remembering all the different credentials, however, can be a challenge and it is not uncommon for a user to mistakenly provide credentials to a site that are for another, sensitive site. Accordingly, a system for warning a user of such an error is provided. The system includes a browser plugin that responds to a user entering their credentials at a requesting site by looking up an identifier of a trusted site associated with the user's credentials. The identifiers of the requesting and trusted sites are compared, and if they do not match, the browser plugin blocks the user from submitting their credentials to the requesting site. Advantageously, the system reduces the likelihood that credentials to sensitive accounts are provided by accident.

Abstract: A system and method for securely protecting consumer's or user data that is stored on servers or computers controlled by another person/entity is disclosed. The user's sensitive data is encrypted by using a user-provided encryption key and saved on the server. Each time in conducting a business transaction, the user provides an encryption key and causes the encrypted user's data to be decrypted on a server or a client computer. The resulted usable user data is then used in conducting business transactions such as making payment, making bank transactions, managing credit reports, medical records, and personal information, conducting multiple-party business transactions, doing computation services, etc. The encryption of stored data by using different private keys will remove the incentive to hack the whole database and thus create an ecosystem discouraging repeated mass data breaches.

Abstract: A method for pre-authorizing a credit transaction may include receiving a pre-authorization request including a request identifier, a user identifier, a pre-authorization amount, a time duration identifier, and a vendor identifier, transmitting the pre-authorization request to a server remote from the user device, receiving a pre-authorization confirmation including the request identifier, a confirmation identifier, and a time duration identifier, and displaying a confirmation message that the pre-authorization request has been approved.

Abstract: A method of remedying erroneous transactions in a distributed ledger system may include: determining, by a court system associated with the distributed ledger system, a judgment that a transferring, by a contract of the distributed ledger system during a conducting of a financial transaction, of a quantity of tokens of the distributed ledger system, from a first account corresponding to a first counterparty to a second account corresponding to a second counterparty, is erroneous; and in response to determining the judgment, executing, by a court contract of the distributed ledger system, a transfer function, configured to be responsive to the court contract, to transfer at least a portion of the quantity of tokens from the second account to the first account.

Abstract: The rewards program system and method provide an efficient and effective way for customers to enroll in rewards programs, and accrue and redeem rewards at participating merchants. The system generates promotions, analyzes transaction data to identify whether a customer used a promotion, issued by the system (e.g., promotions provider), with a merchant. When the customer redeems a promotion, the system accrues reward amounts in a customer account, and allows the customer to redeem accrued rewards amounts. The system generates credit card profiles and customer profiles, and offers customers subsequent promotions based on the transaction data and/or the customer's customer profile. The system issues the customer subsequent promotions when the amount credited to the rewards account satisfies a redemption threshold. The subsequent promotions may be redeemable at merchants that have promotions issued by the promotion provider, including the merchant where the promotion was used that resulted in the credited amount.

Abstract: A method comprising: obtaining a service point location, the service point location being associated with a logical identifier assigned to end-user equipment used in an attempt to make an online transaction; obtaining at least one authorized transaction point location, the at least one authorized transaction point location being associated with transaction object information provided via the end-user equipment; comparing the service point location to each of the at least one authorized transaction point location; and performing an action related to validation of the online transaction based on a result of the comparing. Also provided is an apparatus for implementing this method.

Abstract: An example operation may include one or more of obtaining a first biometric sample of a user from a user device. extracting, by an issuing node of a permissioned blockchain network, a biometric template from the first biometric sample, encrypting the biometric template, distributing an issuetoken proposal comprising the encrypted biometric template to the blockchain network, and generating and distributing a biometric token to the user device. In response to the user indicating to the user device to redeem the biometric token, the method includes one or more of presenting, by the user device, the biometric token to a verifying node of the blockchain network, validating, by the verifying node, the biometric token, receiving, by the verifying node, a second biometric sample from the user device, distributing a redeemtoken proposal to the blockchain network, committing a transaction corresponding to the biometric token, to the blockchain network, and invalidating the biometric token.

Abstract: A payment processing method involves a server receiving a payee identifier, and linking the payee identifier to a device identifier identifying a payee device. The server receives from a payor device a payment initiation request identifying a specified payment amount and a payor identifier, links a unique token to the specified payment amount and to the payor identifier, and provides the payor device with the token. The token excludes the payor identifier and particulars of the associated payor. The server receives a payment completion request including the payee identifier and the token, and excluding the payment amount, the payor identifier and payor particulars. The server uses the payee identifier to confirm that the payment completion request was signed with the device identifier, uses the payee identifier to locate a payee account, and uses the token to determine the specified payment amount and a payor account associated with the payor identifier.

Abstract: Methods and systems enable merchants to accept payments through a service provider from a consumer using an app on a mobile device, for example, without redirecting the consumer to the service provider and without collecting the customer's service provider password (a separate PIN may be used). An example of an app on a mobile device is given, but secure payments are also enabled for purchases and other transactions for a website, a merchant, or a service provider who needs to accept payments from customers. A two-key approach allows a merchant, using the two keys—a collection key for merchant apps and general servers and a private, more secure, charge key for merchant “back-end” systems—to collect a user's username and personal identification number (PIN) for acquiring payments through a service provider without compromising the user's service provider username and password (the PIN is distinct from the password).

Abstract: A method, system and computer program for providing a loyalty engine for automated cause marketing. The method can include a charity linking merchants and sponsors to the loyalty system. Once the merchants and the sponsors are linked and the members are registered merchant defined rules can instruct a loyalty engine as to the level of donations in connection with one or more transactions by a member that is associated to the loyalty program. The loyalty system can include a reporting facility to allow the merchant to track transactions with members in a number of ways. A system is also provided that can consist of a server including the loyalty engine and a charity utility. The charity utility can provide the functions of the method and can be linked to the networked server.

Abstract: Disclosed herein is a novel invention of Digitalized High Value Paper Currency (DHVPC) and its overall processes for the printing, registration, distribution, recording and monitoring of transactions through a specially designed Online Portal. During the DHVPC registration, opening of additional ledger window with simultaneous automatic generation of a window in the Online Portal of Reserve Bank/Central bank of each nation takes place with automatic updating of transactions of DHVPC. This Invention provides 100% protection from counterfeiting of Paper Currency, monitoring, tracking of currency, blocking of illegal transactions, value protection in unforeseen situations, easiness to carry and handle, faster scanning of currency and improved security. The DHVPC transactions can be done through Commercial and Scheduled Banks or ATM/CDM or Net Banking.

Abstract: Disclosed herein are methods and apparatus related to making payments in response to payment requests. For example, a customer device can receive a payment request including billing information and information related to an encryption key. The customer device can obtain the billing information and the information related to the encryption key from the payment request. The customer device can receive an input related to initiating payment of the payment request. After receiving the input related to initiating payment, the customer device can generate a request to initiate payment that includes the information related to the encryption key. The customer device can send the request to initiate payment.

Abstract: Provided is a method according to one embodiment of the present invention comprising the steps of: (a) a server generating, by means of a hash function, a message digest (MD) of a particular file when a request for authenticating same is obtained; (b) when an MD encoded with a private key of a particular user is obtained, and if (A) information for the MD, which was encoded with the private key of the particular user, decoded with a public key of the particular user matches (B) the MD generated in step (a), then the server registering, in a database, a hash value of the MD encoded with the private key of the particular user and a private key of the server; and (c) the server obtaining a transaction ID.

Abstract: Methods and systems are disclosed for processing information. An example method can comprise receiving a request to authorize an operation. The request can comprise a product identifier and an account identifier. The method can further comprise determining authorization plan data associated with the account identifier. The authorization plan data comprises a collection of product identifiers indicating products authorized by a sponsor. The method can comprise determining whether the transaction is authorized based on a comparison of the product identifier to at least a portion of the collection of product identifiers and providing an authorization message in response to the determining whether the transaction is authorized.

Abstract: A private digitized, decentralized, and distributed controlled-environment facility ledger is created using a genesis hash and wallet code assigned to a controlled-environment facility resident upon intake of the resident into the facility. In response to an occurrence of a first controlled-environment facility transaction with respect to the resident, a first new hash containing a cryptographic hash of the genesis hash is built, and the ledger is updated to reflect the first transaction, and to associate the first new hash with the first transaction, both with respect to the resident. Thereafter, subsequent new hashes, each containing a cryptographic hash from each prior hash, are each built in response to each subsequent controlled-environment facility transaction with respect to the resident, and the ledger is updated to reflect each subsequent transaction, and associate each subsequent new hash with the respective subsequent transaction, both with respect to the resident.

Abstract: Techniques for implementing conditional approval chains through a spend management system are described herein. In an embodiment, a spend management system stores data defining a plurality of conditional approval chains. The system receives a request to perform a particular transaction between a first account and a second account. The system identifies a particular conditional approval chain, of the plurality of conditional approval chains, for the transaction, the particular conditional approval chain comprising a particular condition based on a particular rating value for a particular account and a consequent comprising a requirement for approval from a third account. Using the particular rating value for the second account, the system computes a result of the particular conditional approval chain.

Abstract: There is provided a processor(s) executing a blockchain smart contract, for: managing a primary reserve of primary tokens and a secondary reserve of secondary tokens, receiving a transaction request, obtaining an external price of the primary token, compute an updated value of the primary reserve according to the external price, in response to the updated total value of primary reserve being unequal to an initial staked value of the primary reserve, adjust primary and secondary dynamic reserve weights, wherein a total value computed by a function of the primary reserve after being increased or decreased by a target amount of primary tokens and using the adjusted primary and secondary dynamic reserve weights, is equal to the initial staked value of the primary reserve, and the total value of the primary reserve is maintained at a predefined ratio to a total value of the secondary reserve, and executing the transaction request.

Abstract: Method for suspending a physical protection of an object by a protection device, wherein a host device receives a first and second public key, a third public key and a signed combined identifier incorporating the first and second public keys, wherein the signed identifier is signed with a third private key, which third private key is cryptographically associated with the third public key; the host device requests a search of transactions within a public transaction directory; the host device authenticates the first and second public keys using a signature of the signed identifier; the host device authenticates the protection device and sends an unlock request to the dongle if the search of the transaction directory yields at least one transaction and the first and second public keys, the protection device and the dongle are authentic; and in reaction the dongle sends an unlock command to suspend the protection of the object.

Abstract: Described in detail herein is an multi-variant tracking system. Independently operated domains can be associated with a cryptographically verifiable ledger represented by a sequence of blocks. The central computing system can receive an alert of a creation of a new block in a cryptographically verifiable ledger associated with a first independently operated domain. The central computing system can determine one or more independently operated domains affected by a change in a first data value of a first type. The central computing system can determine a type of a type of data value associated with other transaction records in each cryptographically verifiable ledger for each of the independently operated domains. The central computing system can convert the change in the first data value of the first type to a corresponding change in a data value of a different type of data value.

Abstract: Technologies are disclosed herein for generating a stand-alone client application for communicating with a network service based on a proprietary communication protocol. A service model description may be parsed to identify resources associated with the network service. Thereafter, executable program code may be generated describing the resources as a set of basic commands and pathnames. The program code may be packaged as the stand-alone client application without inclusion of program code for communication via the proprietary communication protocol.

Abstract: A blockchain configuration may require constant and large amounts of resources to maintain a growing structure. One example method of operation may include receiving blockchain transactions and creating a blockchain block, identifying miner devices to process the blockchain block, identifying expenses associated with each of the miner devices, selecting an optimal cost miner device among the miner devices based on the identified expenses associated with each of the miner devices, and assigning the optimal cost miner device to solve the blockchain block.

Abstract: Methods, apparatus, systems and articles of manufacture to securely handle chip card data are disclosed. An example method includes providing, by executing an instruction with a first processor of a client device, an application programming interface (API) in a web client of the client device, in response to detecting, in the web client at the client device, a query from a server for card data, operating, by executing an instruction with the first processor of the client device, the API in the web client at the client device to obtain the card data stored on a chip of a chip card communicatively coupled to the client device, and sending, by executing an instruction with the first processor of the client device, the card data to the server.

Abstract: Aspects of the disclosure relate to multicomputer systems and methods for data authentication and event execution using a blockchain approach. Any full node computing device in a network, including a data authentication and event execution computing platform, may receive data from one or more sources. The computing platform may verify the authenticity of at least one aspect of the received data. Once the authenticity of the data has been verified, the computing platform may generate a new block of a user's blockchain by cryptographically encrypting the received data, may add the new block to the user's blockchain, and may store the updated blockchain. The platform may then transmit an indication that the received data has been authenticated to the data source. In addition, the computing platform may generate a command configured to execute an action associated with the new block and may transmit the command to the data source.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for collection of and utilization of electroencephalography (EEG) data for user experience and interaction management. The invention interconnects with a network for real-time user experience modification based on user identification via EEG data. In this way, upon recognition and analysis of EEG data, the invention forms and modify a user specific experience via integration within third party systems. EEG readings are segmented, sorted, and matched to a user baseline EEG reading to identify the user and modify the user experience based on quantifiable points.

Abstract: Disclosed are a real and virtual identity verification circuit, a system thereof and an electronic transaction method. The circuit is capable of being built in or connected with an electronic device to allow a user to carry out electronic identity verification with his or her unique biological characteristic on a remote server. The real and virtual identity verification circuit comprises a memory unit, an acquisition unit, a processing unit and a communication unit. A verification key code is stored by the memory unit. The acquisition unit acquires the biological characteristic and generates a corresponding biological characteristic code. The processing unit processes the verification key code and the biological characteristic code according to a deal process to generate a corresponding unverified code, and the communication unit transmits the unverified code to the server and awaits a verification result of the electronic identity verification.

Abstract: Provided are computer-implemented methods for guaranteeing a payment authorization response. Computer-implemented methods may include determining that a payment authorization response message for a payment transaction was not received from a transaction service provider system within a predetermined period of time after a payment authorization request message for the payment transaction was transmitted to the transaction service provider system; generating a supplemental payment authorization request message for the payment transaction based on the payment authorization request message; determining that the payment transaction is authorized based on a quantitative risk score associated with the supplemental payment authorization request message and an insurer rate associated with the supplemental payment authorization request message; and transmitting a supplemental payment authorization response message to a merchant system based on determining that the payment transaction is authorized.

Abstract: An exemplary system includes at least one physical computing device that is communicatively coupled, by way of a network, to a retail point of sale (POS) machine, and that receives a transaction identifier from the POS machine, uses the transaction identifier to query an electronic payment system, receives, from the electronic payment system in response to the query, data representative of a pending electronic payment that is associated with the transaction identifier and is awaiting funding, sends data representative of information about the pending electronic payment to the POS machine, the information indicating an amount to fund the pending electronic payment, receives, from the POS machine, a confirmation that the POS machine has received the amount to fund the pending electronic payment, and notifies the electronic payment system that the pending electronic payment has been funded.

Abstract: A gateway, a Connectivity Management System (CMS), a system and methods therein for assisting a server with collecting data from a capillary device are provided. The gateway collects the data from the capillary device; and transmits the data to the server via the CMS. The data is transmitted in a tunnel from the gateway to the CMS, wherein the tunnel is created according to a connectivity parameter associated to a key of the capillary device stored in the CMS.

Abstract: A method for minimizing inter-bank settlement through incremental updates stored via blockchains includes storing three blockchains: a balance blockchain updated periodically that includes an available balance for a plurality of blockchain wallets, a credit blockchain that includes credits made to a blockchain wallet, and a debit blockchain that includes payments made from the blockchain wallet. Holds are placed on related transaction accounts to enable the blockchain wallets to utilize payments made thereto without the need for a transaction account, where the holds are only updated when necessary based on periodic updates to the balance blockchain, thus minimizing settlements performed by the issuing institutions, thus reducing inter-bank settlements and enabling payees to receive payments from a transaction account without their own.

Abstract: One embodiment of the invention is directed to a system comprising a server and a consumer device in operative communication with the server. The server comprises a processor and a computer readable medium coupled to the processor. The computer readable medium comprises computer readable program code embodied therein. The computer readable program code is adapted to be executed by the processor to receive an authorization request message for a transaction conducted by a consumer with a merchant, send the authorization request message to an issuer, modify an authorization response message to include receipt preference data, and send the authorization response message comprising the receipt data to the merchant, wherein the merchant generates a receipt for the consumer according to the receipt preference data.