Abstract: Disclosed in some examples are methods, systems, and machine readable mediums for secure end-to-end digital communications involving mobile wallets. The result is direct, secure, in-band messaging using mobile wallets that may be used to send messages such as payments, requests for money, financial information, or messages to authorize a debit or credit.

Abstract: Disclosed in some examples are devices, systems, and machine readable mediums for establishing peer to peer mobile wallet communications (P2PMW) over short range wireless communication networks. These P2PMW communications allow exchange of information between two wallet clients. Example communications include payments, providing identification, providing loans, and the like. The use of P2PMW communications opens up the prospect of anyone accepting payment from anybody else at any time. All that is needed is a computing device with a mobile wallet. Example short range wireless communications include Wireless LANs (WLAN) such as WIFI (e.g., communicating according to an Institute for Electrical and Electronics Engineers (IEEE) 802.11 family of standards), BLUETOOTH® or the like.

Abstract: A method of selectively locking a cryptographic digital asset includes instructing or requesting the creation or minting of a plurality of cryptographic tokens via a first common digital contract registered to a distributed ledger. Each cryptographic token is a digital asset that includes at least one attribute that is operative to evolve or change through a plurality of evolutionary stages. The plurality of cryptographic tokens are then instructed to be transferred to a plurality of token holders. The method further includes receiving a request from a token holder to selectively lock their digital asset at one of the plurality of evolutionary stages; and instructing or requesting the transfer of a second cryptographic token to the token holder, the second cryptographic token having at least one attribute that is at least partially derived from the evolutionary stage of the digital asset at the time of the request.

Abstract: A system and method for online transactions using cryptographic digital tokens is disclosed. The system includes multiple interconnected transaction servers having corresponding digital ledgers. Each interconnected transaction server may include computer modules to facilitate establishment of a digital contract, generation of a smart contract and a cryptographic digital token corresponding to the digital contract, and storage of the digital contract, the smart contract, and the cryptographic digital token. The computer modules may also facilitate execution of the smart contract and transfer of the cryptographic digital token from a buyer to a seller. The method includes establishing the digital contract, generating the smart contract and the cryptographic digital coin corresponding to the digital contract, and storing the digital contract, the smart contract, and the cryptographic digital coin.

Abstract: A method of online transaction, in which a visual financial IC card receives transaction transferring data from a client, obtains transaction data, receive an online PIN from a user, obtains online PIN ciphertext by encrypting, executes behavior analyzing to obtain a card behavior analyzing result, sets a first transaction result, organizes message according to the transaction data, the online PIN ciphertext, the card behavior analyzing result and the first transaction result, and sends the message to the client; receives an online response package sent by the client, executes completing process to obtain a completing process result, sets a second transaction result, displays a corresponding information, organizes a data package according to the second transaction result and the completing process result, and sends the data package to the client. In this invention, any transaction terminal is avoided to improve security and convenience of the online financial IC card transaction.

Abstract: Disclosed in some examples are methods, systems, and machine readable mediums for secure end-to-end digital communications involving mobile wallets. The result is direct, secure, in-band messaging using mobile wallets that may be used to send messages such as payments, requests for money, financial information, or messages to authorize a debit or credit.

Abstract: A network node in a peer-to-peer network of nodes includes at least one processor, at least one memory, and at least one network interface. The at least one processor is configured to receive a request to transfer a security token and execute a plurality of compliance rules associated with the security token. At least one of the compliance rules is implemented using at least one smart contract. The at least one smart contract references a global registry. The at least one processor is also configured to transfer the security token based on the execution of the compliance rules. The global registry includes personally identifiable information (PII) hash(es) for each of at least one investor associated with the transfer of the security token. The hashes are committed to the distributed ledger and updated when PII of a respective one of the at least one investor changes.

Abstract: Embodiments relate to content presentation and filtering preferences of viewers tied to blockchain technology for improved use and applicability in multiple channels. For example, a blockchain platform is described via which content preferences stored on non-fungible tokens tied to user identities are provided to content presenters. In one embodiment, the platform receives a request indicating an on-chain address for a user non-fungible token. With the on-chain address, the platform queries an on-chain program stored on the blockchain to obtain content preferences stored on the user non-fungible token. After providing the content preferences to a content presenter, the platform monitors a content session between the presenter and the user, for example, by collecting data from the user during the session.

Abstract: Method and system for verifying authenticity of specific personal data responsive to a unique wallet address on a public ledger of an unregulated platform. The wallet contains one or more non-transferable NFTs, each locked to the wallet and related to specific personal data. The non-transferable NFT was minted from a regulated platform to which there is a record in the public ledger. Supplying the unique address of the wallet to a service supplier affects a log-in of a client to the service supplier, whereafter message interactions over a network between the service supplier and the unregulated platform permits searching for a relevant non-transferable NFTs stored in the wallet and related to the specific personal data. Return of any relevant non-transferable NFT related to the personal data thus verifies authenticity of the specific personal data by association with a regulated platform.

Abstract: A new generation “smart card” creates a severable invisible “bond” between the cardholder and the smart card itself where this trusted bond relationship is used to enhance and simplify the authentication process during the use. This new smart card is initiated and connected to a specific user using biometric information added to the card and the user using biometric information connects via a trusted bond with the card by pairing the biometric information which can be severed in one of multiple ways. The trusted bond with the smart card can be broken in one of multiple ways including disconnection from a network, distancing from the user, impact accelerometers, outside parameters, etc. The multi-function smart card also uses this established trusted bond with the user to simplify the authentication of the user for use of the card in encrypted computer network, ground security, or other retail and payment function.

Abstract: A method and system for customizing a mobile application running on a mobile communication device of a user. In one implementation, the method includes providing the mobile application to the mobile communication device of the user, the mobile application having a generic platform; determining a special interest group (SIG) that is affiliated with the user; and customizing the generic platform of the mobile application based on information specific to the special interest group (SIG) that is affiliated with the user.

Abstract: A system may include a point-of-sale (POS) terminal, and a server configured to obtain, from the POS terminal, a purchase transaction identifier and a purchase amount associated with a purchase transaction of a given user. The server may also be configured to obtain, from a payment card processing server, a payment card transaction token associated with the purchase transaction, and match the payment card transaction token to the purchase transaction identifier, and based thereon, generate a loyalty account associated with the given user based upon the payment card transaction token. The server may also be configured to credit the loyalty account associated with the given user based upon the purchase amount, and generate and communicate a notification to the given user of the loyalty account and the associated credit.

Abstract: An apparatus for controlling charging of an electric vehicle and a method therefor are provided. The apparatus includes a communication device that performs vehicle-to-everything (V2X) communication with a charging station management server outside the electric vehicle and a vehicle management server configured to manage shared vehicles and a processor that requests the charging station management server to reserve a charging station via the communication device and automatically requests the vehicle management server to reserve a shared vehicle to be used when the electric vehicle is charged, via the communication device, when a vehicle power for driving to a destination is insufficient.

Abstract: The present disclosure provides a system, an apparatus and a method for detecting line-attached tools in an above-surface portion of a well for use during well-work overs and/or interventions. The system includes the apparatus which comprises: a body for housing at least one magnetic-field generator and at least one magnetic-field sensor; and a tubular portion that is configured to be housed within the body. The tubular portion has a bore for receiving the line-attached tools and the at least one magnetic-field sensor is configured for detecting changes in the magnetic field caused by the line-attached tool approaching, moving through and/or moving away from the body. The system may further include a processor unit for receiving one or more signals from the at least one magnetic-field sensor and for determining the location and/or one or more dimensions of the line-attached tool while approaching, moving through or moving away from the body.

Abstract: Described processes include: obtaining instantiation records of a cryptographic token; selecting historical instantiations of the cryptographic token; determining, based on a measure of central tendency of the adjusted tractable values of the selected historical instantiations, a target tractable value of a new instantiation period; accessing transaction records corresponding to one or more transactions in which amounts of the cryptographic token were transferred to addresses inoperable to transfer received cryptographic tokens to other addresses; identifying, from the transaction records, transactions corresponding to the new instantiation period; and determining to instantiate the cryptographic token for the new instantiation period in response to identifying a set of transactions corresponding to the new instantiation period having an aggregate tractable value meeting or exceeding the target tractable value of the new instantiation period.

Abstract: Systems and methods for software license management using a distributed ledger are disclosed. A method for software license management may include: receiving, from an agent executed by an electronic device in a computer network, a request for a new software license for the electronic device or for a user; determining that there are no available tokens for associated with the software license in a license inventory; obtaining a license for the software; generating a token for the license, wherein the token comprises an identification of a license type and a software identifier; writing the token to a license distributed ledger with an indication that the token is available; reserving the token for the electronic device or the user and writing the reservation to the license distributed ledger; and adding a second token for the license to an electronic wallet associated with the electronic device or the user.

Abstract: A method of displaying a multi-layer digital asset in a digital environment includes retrieving, from a digital blockchain ledger, data associated with a first, primary non fungible cryptographic token (NFT) and data associated with a second, sub-asset NFT. The data associated with the first NFT identifies a first retrieval location of a first digital graphics file that is representative of a primary digital asset. The data associated with the second NFT identifies a second retrieval location of a second digital graphics file. The method includes retrieving, the first digital graphics file from the first retrieval location, retrieving the second digital graphics file from the second retrieval location, layering an image from the second digital graphics file onto the primary digital asset to form the multi-layer digital asset, and displaying the multi-layer digital asset in a digital environment.

Abstract: Implementations provide a flexible schema for efficiently querying chainable event blocks on user-identified data fields. An example method includes receiving at least one query parameter and, responsive to receiving the at least one query parameter, identifying an event access data record that includes a group identifier and a field matching the query parameter. The method also includes locating potential responsive blocks, the potential responsive blocks being event blocks in a chain that include the group identifier, and each of the potential responsive blocks also including content and a hash of a predecessor block. The method also includes identifying a first block of the potential responsive blocks that has content that includes the field matching the query parameter, and providing the first block as a response to the query.

Abstract: A method and system for customizing a mobile application running on a mobile communication device of a user. In one implementation, the method includes providing the mobile application to the mobile communication device of the user, the mobile application having a generic platform; determining a special interest group (SIG) that is affiliated with the user; and customizing the generic platform of the mobile application based on information specific to the special interest group (SIG) that is affiliated with the user.

Abstract: Techniques are disclosed relating to machine learning techniques for performing user authentication based on the manner in which a user interacts with a client device, including the use of Siamese networks to detect unauthorized use of a device and/or account. In some embodiments, a server system may receive a request to authorize a transaction associated with a user account. The request may include transaction details and, separate from those transaction details, interaction data indicative of a manner in which a requesting user interacts with a client device during a user session. The server system may apply a machine learning model to the interaction data to create an encoding value that is based on the manner in when the requesting user interacts with the client device during the user session. The server system may then compare the encoding value to a reference encoding value and, based on the comparison, determine whether to authorize the transaction.

Abstract: An apparatus including processing circuitry and a method are described. When receiving a cross-chain transaction request to transfer a resource from a first account to a second account, the processing circuitry is configured to generate a task corresponding to the first account. The task can indicate conditions for implementing events in transferring the resource. A first blockchain system provides services for the first account, and a second blockchain system different from the first blockchain system provides services for the second account. The processing circuitry transfers the resource to the second account based on the task when a first plurality of first nodes in the first blockchain system reaches a consensus on a generation event of the task and updates a task status of the task to being finished when a plurality of second nodes in the second blockchain system reaches a consensus on a transfer event of the resource.

Abstract: Disclosed in some examples are devices, systems, and machine readable mediums for establishing peer to peer mobile wallet communications (P2PMW) over short range wireless communication networks. These P2PMW communications allow exchange of information between two wallet clients. Example communications include payments, providing identification, providing loans, and the like. The use of P2PMW communications opens up the prospect of anyone accepting payment from anybody else at any time. All that is needed is a computing device with a mobile wallet. Example short range wireless communications include Wireless LANs (WLAN) such as WIFI (e.g., communicating according to an Institute for Electrical and Electronics Engineers (IEEE) 802.11 family of standards), BLUETOOTH® or the like.

Abstract: Embodiments of the present invention provide a system for employing a smart device for secure and authenticated event. The system may include a smart assistant device that receives an audible request from a user for an event with a merchant. The smart assistant device then establishes a secure active session with a mobile device associated with the user over a wireless network. The smart assistant device determines a digital voice ID for the received audible request for the event and transmits the digital voice ID and event information to the mobile device of the user. A smart assistant application of the mobile device validates the digital voice ID based on stored reference data. Event information and additional user execution information is then provided to an event processing system for asynchronous processing.

Abstract: A secure approval chain for runtime protection is disclosed. As an application or pod is developed in a pipeline, an approval engine ensures that the pod is approved by all approvers. The approval engine generates a deployment token that is added to the configuration data of the pod and that can be used at deployment to perform various security operations including pod verification, runtime environment control and enforcement, and pod or application verification.

Abstract: Processing stacked data structures is provided. A system receives an input audio signal detected by a sensor of a local computing device, identifies an acoustic signature, and identifies an account corresponding to the signature. The system establishes a session and a profile stack data structure including a first profile layer having policies configured by a third-party device. The system pushes, to the profile stack data structure, a second profile layer retrieved from the account. The system parses the input audio signal to identify a request and a trigger keyword. The system generates, based on the trigger keyword and the second profile layer, a first action data structure compatible with the first profile layer. The system provides the first action data structure for execution. The system disassembles the profile stack data structure to remove the first profile layer or the second profile layer from the profile stack data structure.

Abstract: An information processing device updates its own secret key according to an update request including request order information, the information processing device being provided with: a storage unit that stores, in a nonvolatile manner, a master secret key, a secret key, and order comparison information that enables comparison of the request order of the update request; and an update unit that, in a case where the update request has been made, compares the request order information and the order comparison information, and in a case where it has been determined that the order of the update request is authorized, updates the order comparison information to information corresponding to the request order information before update processing of the secret key is performed by using the master secret key.

Abstract: A computer-implemented method for prepaid card funding for sponsored purchases includes receiving a payment request for funding a sponsored purchase using a payment vehicle, deducting funds from a financial account associated with the payment vehicle, such that the financial account has a negative balance, and loading additional funds into the financial account associated with the payment vehicle, such that the financial account has a zero balance.

Abstract: Disclosed is a method, a device, and/or a system of rapid and secure off-ledger cryptocurrency transactions through cryptographic binding of a private key to a possession token. In one embodiment, a method for rapid and secure ledger-less transfer of a quantity of cryptocurrency includes generating a public-private key pair, securely storing the private key and utilizing the public key as a public address. The method verifies a ledger transaction on a distributed ledger network associated the quantity of cryptocurrency with the public address. The method generates a possession token having a state indicated by a state indicator. The state evolves upon transfer between two computing devices. The method cryptographically associates the ledger token and the possession token through incorporation of the public address into data generating the state indicator. The possession token is transferred to a computing device over the network while retaining the private key in secure custody.

Abstract: A method for facilitating expansion of primary payment instruments comprises: determining a type of a primary payment instrument; determining, from a set of primary key generation rules, a primary key generation rule corresponding to the type of the primary payment instrument, the primary key generation rule specifying at least one primary payment instrument element for generating a primary payment key, each primary key generation rule from the set of primary key generation rules corresponding to a different type of primary payment instrument and specifying at least one primary payment instrument element for generating a primary payment key, each primary payment instrument including a set of primary payment instrument elements; generating, according to the primary key generation rule, a primary payment key for the primary payment instrument; and storing a corresponding relationship between the primary payment instrument and the primary payment key.

Abstract: A system includes a purchase portal configured to receive a purchase order from a customer, wherein the purchase order includes a service from each of a plurality of service providers. When receipt of the purchase order is detected, a processor determines first and second ones of the service providers associated with the purchase order; and establishes a trust relationship between the first service provider and the second service provider in a context of the customer. The processor also sends a first request for a first trust artifact to the first service provider and a second request for a second trust artifact to the second service provider; receives the first trust artifact from the first service provider, receives the second trust artifact from the second service provider, sends the first trust artifact to the second service provider, and sends the second trust artifact to the first service provider.

Abstract: Disclosed in some examples are methods, systems, and machine readable mediums for secure end-to-end digital communications involving mobile wallets. The result is direct, secure, in-band messaging using mobile wallets that may be used to send messages such as payments, requests for money, financial information, or messages to authorize a debit or credit.

Abstract: Disclosed in some examples are methods, systems, and machine readable mediums for secure end-to-end digital communications involving mobile wallets. The result is direct, secure, in-band messaging using mobile wallets that may be used to send messages such as payments, requests for money, financial information, or messages to authorize a debit or credit.

Abstract: A data transmission platform for data transmission using a blockchain is configured to receives ciphertext data from a data provider, wherein the ciphertext data include transmitted data authenticated by the data transmission platform and encrypted by the data provider; identifies a target data requestor; creates a smart contract according to a data transmission requirement of the target data requestor; uploads the smart contract to a blockchain; sends a data transmission request to the data provider; re-encrypts the ciphertext data to obtain re-encrypted data using a re-encryption key generated by the data provider; triggers the smart contract to send the data transmission demand of the data requestor to the data provider; and notifies the data requester to extract the decrypted data and perform decryption to obtain the transmitted data.

Abstract: System and methods for conducting transactions using a surrogate PIN are disclosed. In one embodiment, at a mobile payment platform comprising at least one computer processor, a method for conducting a transaction may include: (1) receiving an identification of a debit-based payment instrument from an electronic wallet; (2) receiving, from a payment switch, a token for the debit-based payment instrument and a limited use key; (3) associating the token and limited use key with the debit-based payment instrument; and (4) providing the token and limited use key to a digital payment platform for transacting. A surrogate PIN may be provided to a debit payment network from one of the payment switch and a digital payment platform for an issuer.

Abstract: A computer implemented system and method is disclosed for providing a secure payment transaction between a customer and a merchant.

Abstract: A method includes a marketplace server establishing one or more security parameters for an exchange item and securely providing the one or more security parameters to a user computing device of the data communication system. When the user computing device desires to use the exchange item, the method further includes generating, by the user computing device, first dynamically secure exchange item data. The method further includes the marketplace server receiving the first dynamically secure exchange item data from the user computing device, generating second dynamically secure exchange item data, and comparing the first dynamically secure exchange item data with the second dynamically secure exchange item data. When the first dynamically secure exchange item data substantially matches the second dynamically secure exchange item data, the method further includes authorizing, by the marketplace server, the use of the exchange item by the user computing device.

Abstract: A system, apparatus, and method for electronically transferring value using a portable electronic device. In one embodiment, a method for transferring funds to or from play a portable electronic device to facilitate playing a game of chance on a portable electronic device.

Abstract: A method of displaying or providing a multi-layer digital asset in a digital environment includes retrieving, from a digital blockchain ledger, data associated with a first, primary non fungible cryptographic token (NFT). The data includes a first pointer identifying a first retrieval location of a first digital graphics file representative of a primary digital asset, and further includes a reference to a second, sub-asset NFT. The sub-asset NFT includes a second pointer that identifies a second digital graphics file. The method further includes retrieving the first digital graphics file and the second digital graphics file, layering an image from the second digital graphics file on the primary digital asset to form the multi-layer digital asset, and displaying the multi-layer digital asset in a digital environment.

Abstract: A proof-of-payment system may receive a payment confirmation including a transaction amount and a merchant identifier. The system may select a record from a registration repository by matching the merchant identifier to the record. The record may have a public key associated with the merchant identifier via a registration process, for example. The system may also generate a proof-of-payment payload comprising an identifier and a payment amount, and encrypt the proof-of-payment payload using the public key. The system may write the encrypted proof-of-payment payload to a blockchain maintained on a first blockchain node.

Abstract: Aspects of the disclosure relate to a system and method for cryptographically transmitting and storing identity tokens and/or activity data among spatially distributed computing devices. The system may comprise a plurality of chains, such as an identity chain and an activity chain. In some aspects, identity data associated with a user may be used to generate an identity token for the user. The identity token may be transmitted to a plurality of computing devices for verification. Based on a verification of the identity token, the identity token may be stored in the identity chain. A request to perform an activity may also be received, and identity data associated with the user may be received in order to authenticate the user.

Abstract: A portable electronic device is operable as a portable certification authority. The portable electronic device stores a pair of keys of a public key infrastructure, issued by a parent certification authority and generates a certificate dependent upon the pair of keys. The private key and corresponding public key certificate are transmitted to a network device of a second agency to allow the device to be authenticated by any node of the network of the first agency that posses anchor information of the parent certification authority. This enables the device of the second agency to be authenticated by a network node of the first agency.

Abstract: A user may establish a relationship with a merchant so that the user can conduct repeated transactions with the merchant. The merchant computer associated with the merchant may store credentials associated with the user's account. The repeated transactions may not occur at regular intervals. The merchant may include an indicator in the authorization request messages for the user's transactions that indicates that the user is part of the established relationship. Hence, other entities that receive the indicator can accordingly identify and process the transaction as low risk, which results in higher approvals of the user's transactions conducted with the merchant.

Abstract: A system for data encryption includes any or all of: a set of items, a set of keys, and a server. A method for data encryption includes any or all of: encrypting items, sharing items, and reading items. The method can optionally additionally or alternatively include any or all of: performing a registration process, creating items, restricting access of users and/or supplementary systems to items, and/or any other suitable processes.

Abstract: A user interface verification device and a method of use is presented for recognizing a three-hand gesture on a touchscreen of the device. The gesture is recognized by detecting a plurality of contact points in at least two, disparate touching zones, and simultaneously detecting additional contact points in a third, disparate touching zone. In one embodiment, the device displays content in a review mode that can be reviewed in a normal manner. In the execution mode, the device requires a signature, a touch, or another sign of acceptance involving a touch within the third touching zone. The device can ensure that a customer directly provides consent by requiring that the two, multi-point touching zones are tactilely engaged by both hands of a presenter while in the execution mode.

Abstract: An identifier is received with a portion of a postal address. That portion is compared against multiple additional postal addresses associated with the identifier. If a match is detected, a confirmation is transmitted to a requestor who originally sent the identifier and the portion of the postal address.

Abstract: Digital content reconfiguration techniques and systems are described that address physical accommodations. In one example, a physical accommodation module identifies a type of digital content being requested and obtains the digital content. The physical accommodation module also obtains ticket data associated with a user that made the request. The ticket data is then processed by the physical accommodation module to determine a physical accommodation. The determined physical accommodation is then used by the physical accommodation module to reconfigure the digital content, and as such, may dynamically address the physical accommodation, e.g., for mobility, visual, auditory accommodations, whether the user is attending the event with minor children, and so forth.

Abstract: Example embodiments of systems and methods for touch screen interface interaction using a card overlay are provided. In an embodiment, a body may include a first main side and a second main side opposite the first main side, wherein the body is positionable with respect to a touch screen interface. The transaction card may further include indicia on the body, the indicia identifying a plurality of apertures through the body, wherein a user input provided through the plurality of apertures actuates corresponding touch locations on the touch screen interface to authenticate a transaction.

Abstract: The disclosure describes a biometric authentication system that can authorize a transaction at a retail store using a person's biometric data and password. The biometric authentication system may include a point-of-sale device that can receive a biometric data (e.g., voice data, fingerprint data, or facial data) of a person that initiates a transaction. The biometric authentication system may also include one or more authentication systems that analyzes the received biometric data, and an authorization system that compares data obtained from the one or more authentication systems and the POS device to determine whether the information obtained from the person is related to that person's biometric and password information previously stored by the authorization system.

Abstract: In accordance with a first aspect of the present disclosure, a user authentication system is provided, comprising: a user authentication token, said user authentication token comprising a fingerprint sensor and a secure element; an assistance device configured to be coupled to the user authentication token through an interface of said user authentication token; wherein the assistance device is configured to request the secure element to verify a personal unlock key to be captured by the secure element through the fingerprint sensor; wherein the secure element is configured to capture the personal unlock key through the fingerprint sensor, to verify the captured personal unlock key and to enroll, upon or after a positive verification of the personal unlock key, fingerprint reference data captured through the fingerprint sensor. In accordance with a second aspect of the present disclosure, a corresponding method for enrolling fingerprint reference data in a user authentication token is conceived.

Abstract: Implementations disclose personalized interruptive dialogs for application rating and sharing. A method includes identifying a first application for which a feedback of a user of a user device is desired; determining by a processing device, whether previous user interactions with one or mole second applications indicate that the user is interested in providing feedback for the one or more second applications; and responsive to determining that the previous user interactions with the one or more second applications indicate that the user is interested in providing the feedback for the one or more second applications, causing the user device to display, to the user, a prompt for the feedback for the first application.