Abstract: Various aspects of the subject technology relate to systems, methods, and machine-readable media for managing and indexing content in a blockchain platform. Various aspects may include receiving, at the blockchain platform, content-addressable data. Aspects may also include indexing the content-addressable data. Aspects may also include generating and serving a recommendation including the content-addressable data for one or more users based on user preferences. Aspects may also include receiving an interaction from the one or more users based on the recommendation. Aspects may include updating a state of a blockchain on the blockchain platform based on the interaction.

Abstract: An example operation may include one or more of connecting, by a lead peer, to a blockchain network of an organization configured to store assets, receiving, by the lead peer, from an ordering server, a block that contains a plurality of chaincode transactions belonging to plurality of peers of the blockchain network, applying, by the lead peer, a filter to the block, determining, by the lead peer, a recipient peer of the block in response to the application of the filter, receiving, by the lead peer, a validation result of the block from the recipient peer, and committing, by the lead peer, the block to the blockchain network.

Abstract: The present invention relates to a method for authentication of a user using a user equipment, comprising an authentication engine for authenticating at least one user, said authentication engine being configured to operate with a local authentication model, wherein the method comprises the step for the user equipment of enhancing its local authentication model by at least one authentication factor, wherein said at least one authentication factor is stored in the local authentication model with a validity indication, indicating the time the authentication factor is valid for taking into account by the authentication engine, and authenticating a user by means of a match of the local authentication model with a set of user behavior indications retrieved by the user equipment through the authentication engine.

Abstract: Embodiments of the disclosure are directed to methods, apparatuses, computer-readable media, and systems for network monitoring of communication requests for authorization to an access device. One embodiment is directed at dual message model in a distributed environment with an electronic access device receiving a cancellation signal and generating and sending a reversal message with cancellation information embedded in the data elements of the reversal message to a processor computer, where the cancellation data may be read and saved by the processor computer before the authorization request message is forwarded to be authorized by an authorization entity. The method further comprises generating a cancellation message after the reversal message has processed, where the cancellation message is sent via a transport computer to clear and reconcile the authorization status of the cancelled authorization request with any necessary authorizing or regulatory entities in the network.

Abstract: Systems and methods for blockchain-based asset authentication are described. The disclosed embodiments leverage the traceability and immutability of blockchains (or distributed ledgers, in general) to enable the authentication and ownership of assets, e.g., luxury goods. In an example, this is achieved by first pairing an authentication chip with a physical product, and writing a transaction correlated with the first pairing to a blockchain. The product being acquired (reacquired) results in the blockchain being updated (e.g., an updated transaction being written to the blockchain) and the (subsequent) owner being provided with a digital passport that can be added to the owner's digital Web3 wallet. The described embodiments advantageously enable digital identities to be associated with physical goods, which adds value for customers making a long-term investment in a luxury good, and promotes sustainability and transparency in manufacturing and retail processes.

Abstract: A control method includes: receiving first transaction data related to a sign-up for service and storing the first transaction data received into the distributed ledger included in each of the plurality of servers, the service offering, if a goal condition predetermined for the service is satisfied, a token to a participant that is a user who signs up for the service; storing, into the distributed ledger, second transaction data indicating that the user is offered the token predetermined for the service, if it is determined that the goal condition is satisfied; and storing, into the distributed ledger, third transaction data indicating that the user is offered a deposit that is a temporary token predetermined for the service, at a predetermined timing included in a period from the storing of the first transaction data into the distributed ledger until when determination of whether the goal condition is satisfied is performed.

Abstract: The disclosure provides improved methods and systems for processing, storing, sharing, retrieving, writing and accessing data (content) on a blockchain e.g. Bitcoin. The invention may form part of a protocol for storing, searching and accessing the data. In particular, improved efficiency and also enhanced access control permissions are provided. An embodiment of the disclosure comprises the step of processing at least one blockchain transaction (Tx) comprising: a protocol flag; a discretionary public key (DPK); and a discretionary transaction ID (DTxID). These are discretionary in the sense that they are not required as part of the underlying blockchain protocol but in accordance with the present invention. This combination of features enables portions of data to be identified, retrieved and shared on a blockchain, and also to be linked/associated with one another when provided in a plurality of transactions.

Abstract: Provided are systems, methods and devices for increasing security in a financial transaction when using a smartcard. The system includes a smartcard for payment in a financial transaction, the smartcard having a memory for storing a first actuation sequence for confirming a user's identity; wherein the smartcard has a checking module that authorizes the transaction only when a second actuation sequence is identical to the first actuation sequence stored in the memory; a point of sale terminal for recording payment details from the smartcard once the financial transaction is authorized and transmitting a request for payment through a network to a financial institution according to the payment details; and a financial institution authorizing computer for allowing recording of an actuation sequence on the smartcard and making payment to the owner of the point of sale terminal once the transaction is authorized, according to the payment details.

Abstract: Methods and system of recording work history of a mining node on a blockchain in a blockchain network. The methods may include mining a first block containing a registration generation transaction that includes, within a registration information field, a miner identifier for the mining node; and mining two or more additional blocks in an order, each additional block containing a generation transaction that includes an information field containing the miner identifier, a reference to the generation transaction of the preceding additional block in the order, wherein the registration generation transaction is a first block in the order. Work history may be verified by tracing the recorded work history and validating the miner identifier. Recorded work history may serve as the basis for a reputation score for the miner, which reflects contributed work evidenced by the proof-of-work secured work history.

Abstract: Systems and methods an enhanced drive-up banking experience with automatic authentication are provided herein. The system includes a communication interface structured to communicatively couple to a network, sensors, a processor, and memory. The system performs operations including receive an indication that a user has activated a user session on a user device; detect, by the sensors, whether that the user device has entered a first geolocation area; receive a first pre-staged transaction request for a first pre-staged transaction, from a user device; generate a first notification indicating a first transaction device and a first provider employee for completing the first pre-staged transaction; receive a second notification indicating that a user associated with the user device is at the first transaction device; verify the pre-staged transaction; responsive to verifying the pre-staged transaction, complete, by the transaction device management circuit, the pre-staged transaction.

Abstract: There are provided systems and methods for multifactor authentication through cryptography-enabled smart cards. A user may engage in transactions or other online interactions that may require multifactor authentication, such as by providing a secondary or further piece of evidence or information that is used to more securely trust the user and that they are not another malicious user. The user may utilize a physical card that includes a microchip embedded to a surface, where the microchip includes a key or other cryptographic signing function to be able to be scanned and digitally sign a request for authentication from a computing device. A user's computing device may then be brought into close proximity to the microchip when a request to scan the card's microchip is received. The user's computing device may then use wireless signals to activate the microchip and perform a multifactor authentication.

Abstract: Systems, methods and computer-readable storage media utilized to complete a cardless transaction on a distributed ledger network. One method includes receiving, by a point-of-sale (POS) computing device, a transaction request including a biometric sample from an individual associated with a payment account at a financial institution. The method further includes authenticating, by the POS computing device, the biometric sample by cross-referencing the biometric sample with a biometric dataset stored on the distributed ledger network. The method further includes, in response to authenticating the biometric sample, generating, by the POS computing device, a cryptogram associated with the biometric sample and processing, by the POS computing device, the transaction request utilizing the cryptogram.

Abstract: Systems, devices, and methods for embedded card reader security include configuring a personal account number (PAN) application installed on a device to utilize an embedded card reader (ECR) and receiving, at the PAN application and based at least in part on an interaction between the ECR and the device, a PAN for a transaction. The PAN may be sent to a payment processing service and a personal identification number (PIN) application may render a PIN user interface. The PIN may be received at the PIN application and sent to the payment processing service. The transaction may be completed based at least in part on an indication from the payment processing service that the PAN and the PIN have been accepted.

Abstract: The present disclosure relates to a computer-implemented method and to a system for authenticating a transaction over a secure network. The method comprises, prior to authorization of a transaction: receiving, by a digital service server, from a merchant plug-in (MPI) computing device, via a directory server, a token and a first cryptogram for the transaction; decrypting, by the digital service server, the token into sensitive data; generating, by the digital service server, a first message including a validation result and the sensitive data; and transmitting, by the digital service server, the first message to an issuer server to authenticate the transaction.

Abstract: A system and method for electronic payment that involves generating and then using a temporary token based on a legacy PAN (Primary Account Number) to conduct an electronic transaction. The token is generated by transforming the PAN using specific inputs such that the original PAN can be recovered by manipulating the token in various ways as disclosed herein. One potential manipulation that may be used is encryption/decryption. The token is transmitted to a portable electronic device such that the portable electronic device may present the token to a point-of-sale device. The POS communicates the token to a server which validates the token by, among other things, recovering the PAN. If the PAN is recovered as expected a validation message is returned to the POS device.

Abstract: Techniques are disclosed for identifying and authenticating prospective certificate authority customers of a secure socket layer (SSL) certificate prior to receiving an order from the customer. The CA generates a list of prospective customers of digital certificates (e.g., by scanning networked servers via the Internet for the presence of an installed digital certificate). The CA retrieves data for each customer on the list and determines, based on a set of approval criteria, which prospective customers to target in enrollment campaigns. For each approved customer, the CA initiates an enrollment process prior to receiving a request from the customer to provide a certificate.

Abstract: In some embodiments, a method includes storing data associated with fungible assets in a distributed ledger database. The method includes dividing fungible tokens into a first set of groups of fungible tokens based on the data and sending, via the distributed ledger-based network and based on an asymmetric cryptography key pair, each group of fungible tokens from the first set of groups of fungible tokens to a communication device from the first set of communication devices to cause the second plurality of communication devices to send, to a designated recipient communication device, non-fungible tokens for each group of fungible tokens from the second set of groups of fungible tokens. The first set of groups of fungible tokens is divided into a second set of groups of fungible tokens and received at a second set of communication devices.

Abstract: A device described herein may maintain a distributed ledger that is also maintained by at least one other device, where the distributed ledger includes at least a particular record. The device may receive a first record and a second record for recordation to the distributed ledger, where the first and second records each include a reference to the particular record, and where the first and second records further respectively include first and second values. The device may compare, based on the first and second records each including the reference to the same particular record, the first value to the second value. The device may determine, based on the comparing, a sequence of the first and second records, and may maintain information indicating that the distributed ledger includes the first and second records. The information may further indicate the determined sequence of the first and second records.

Abstract: Provided herein is a computing system for electronically transmitting a token linked to personally identifying information (PII) of a user to a merchant. The computing system includes a processor in communication at a memory device, and the processor is programmed to: (i) receive PII, issued payment instrument data, and a user identifier associated with a user, (ii) store the PII, issued payment instrument data, and user identifier in the memory device, (iii) receive an identification request for a user associated with a transaction including payment instrument data, (iv) perform a lookup in the memory device to retrieve the PII of the user and the stored user identifier associated with the received payment instrument data, (v) receive a user input identifier from the user to authenticate the user, (vi) generate a token that links the PII of the user to the transaction, and (vii) transmit the token to the merchant.

Abstract: Disclosed are various embodiments for securely conducting online in-application purchases. In one example, among others, a system comprises a computing device that is configured to identify a purchase request from a merchant application executed on the computing device and authenticate an account with a wallet provider based at least in part on a selection of the account. The computing device is configured to receive an instruction from the wallet provider to execute a security library and determine that the computing device is secure by executing a security library. The execution of the security library generates a device response for the wallet provider. A security code is determined data received from the wallet provider. A token is transmitted for the purchase request to the wallet provider based at least in part on the security code.

Abstract: Various embodiments are generally directed to utilizing an offline and/or online verification or authentication protocol to access, redeem, or otherwise utilize multiple loyalty points and loyalty accounts A method for utilizing various loyalty points includes: receiving, by an application executing on a processor, a request to redeem at least one loyalty point of a plurality of loyalty points of a loyalty points account, receiving, by the application, a cryptogram from a contactless card associated with an account, transmitting, by the application to a server, the cryptogram, determining, by the application based on a decryption result received from the server, that the server decrypted the cryptogram, and authorizing, by the application based on the determination that the server decrypted the cryptogram, the request to redeem the at least one loyalty point.

Abstract: The method, system, and computer-readable medium facilitate a fast rental application. A method may include receiving a login corresponding to a profile in a profile repository; receiving second data corresponding to the user associated with the profile from one or more search databases; automatically determining categories of a plurality of categories to which the second data belongs using a trained machine learning algorithm; retrieving the first data from one or more databases; generating updated user data corresponding to the user associated with the profile based upon at least the first data and the second data; storing at least the updated user data in the profile; and updating a rental application based on at least the updated user data.

Abstract: A method including receiving a first application user credential associated with a user profile; comparing, for a first match, the first application user credential with a stored second application user credential, wherein the stored second application user credential is associated with a user identity; and responsive to finding a first match, verifying the user identity by performing the following: communicating with a card using near field communication; receiving a public key of a key pair of the card and cardholder identification information of an account holder of the card; instructing the card to generate a digital signature; receiving the digital signature from the card; verifying the digital signature using the public key; and comparing, for a second match, at least a portion of the user identity with at least a portion of the cardholder identification information.

Abstract: A system for enabling communication between blockchains on heterogeneous blockchain networks. The system can include a sending blockchain network comprised of a sending blockchain that includes a plurality of blocks, each block including a block header and one or more transaction values associated with an identification request transmitted by the sending blockchain. The system can include a directory service node configured to receive the identification request from the sending blockchain, and identify a receiving blockchain, which forms part of a receiving blockchain network. The system can include an identity service node configured to receive a trust request from the directory service node to determine whether a valid trust certificate is available for the receiving blockchain, and enable communication between the sending blockchain and the receiving blockchain, when the valid trust certificate is determined to be available.

Abstract: A computer-implemented method to participate in a token transfer process for transferring a first quantity of token from a sender node to a recipient node using a blockchain is disclosed. The method comprising: joining a token transfer process as a participating node in the indirect anonymous transfer protocol; obtaining a list of indirect token transactions for which the first node is either an input node or an output node for in the indirect anonymous transfer protocol; generating, in collaboration with other participating nodes of the indirect anonymous transfer protocol, a commitment channel between the first node and each of the other participating nodes for which an indirect token transaction identified in the list obtained by the first node, and collaborating with all the other participating nodes and executing the indirect token transactions in which the first node is involved, using the generated commitment channels.

Abstract: A computing device, a computer program product, and a computer-implemented method for delivering enhanced financial services and, more particularly, for facilitating enhanced network communication between a user and a financial institution via a client device. A digital financial management platform for the client device is provided that includes one or more user-engageable use restriction input settings to enable one or more use restrictions on one or more user-authorized financial payment instruments associated with one or more financial accounts maintained by the user at a financial institution. The one or more user-engageable use restriction input settings includes a predetermined spend limit input setting having a predetermined maximum spend limit that is based on a current user status level among a plurality of user status levels associated with the one or more financial accounts.

Abstract: Participants as requestors using a requesting network element request one or more tokenization processors to generate tokens that represent a sanitized version of data such that the resultant tokens are amenable to comparison across participants. As circumstances warrant, one or more such tokens can be submitted to the tokenization processor(s) to privately retrieve the original data. Role-based access control scope parameters and tokenization processor-specific tokenization processor secrets can be embedded into reversible tokens that remain invariant under updating of the tokenization processor secrets across tokenization processors.

Abstract: A method and an apparatus for improving a reading and writing speed of a contactless card, a terminal device, and a computer-readable storage medium. The method includes: running a driver of a POS terminal; obtaining a communication signal between the driver and an interface chip, in which data to be read and written of the contactless card are obtained by the interface chip according to the communication signal, and wherein data interaction are performed between a card reader on which the interface chip located and the contactless card; obtaining a timing waveform diagram of the driver according to the communication signal; obtaining a running time of the driver according to the timing waveform diagram; modifying the driver to shorten the running time of the driver according to the running time and a preset driver modification rule.

Abstract: A method of generating a certificate smart contract including receiving a certificate smart contract transaction to create a certificate smart contract from an owner of a blockchain wallet, generating a certificate smart contract responsive to the certificate smart contract transaction at a certificate smart contract address on a blockchain network, receiving a new certificate transaction to create a new certificate to be included by the certificate smart contract from a validator, and saving a certificate to the certificate smart contract responsive to the new certificate transaction. The certificate smart contract includes an identity smart contract.

Abstract: System and methods for managing third party tokens and transaction across issuer ecosystems are disclosed. In one embodiment, in an information processing device comprising at least one computer processor, a method for managing payment tokens may include: (1) a first computer program associated with a financial institution and executed by the information processing device accessing a payment token associated with a second computer program executed by the information processing device; (2) the first computer program identifying the payment token as associated with a financial instrument issued by the financial institution; (3) a backend for the financial institution generating an association between the payment token and the financial institution; and (4) the backend for the financial institution communicating the association to an authorization platform for the financial institution.

Abstract: There are provided systems and methods for flexible digital tokens with application programming interfaces for reduced computing calls. A service provider, such as an electronic transaction processor for digital transactions, may provide a processing system, stack and API that allows for generation of flexible payment tokens that can be used for electronic transaction processing with external service providers including social networking platforms and services. The processing system for the transaction processor may include an API in a compatible language with the APIs of the external service providers. Specific API calls and queries, which may correspond to GraphQL mutations, may be used to execute operations between the APIs of the interfacing systems to have a legacy processing system and API to generate a billing agreement. Once generated, the billing agreement may be tokenized, and a payment token used for payment processing.

Abstract: A methods and system of hosted thin-client payment authorization and authentication services for processing payments for value-added service (VAS) providers is described. A method, performed by a host server operating a thin-client device, includes receiving transaction request data at a host server computer from a thin-client device, where the transaction request data can include financial account data and biometric data. The host-server transmits a verification request message to a VAS provider and receives an indication that it is a valid merchant. The host-server transmits an authorization request message comprising the biometric data to a payment processing network (PPN), where the PPN communicates with an authentication server computer to validate the biometric data, sends the authorization request message to an issuer and receives an authorization response message from the issuer.

Abstract: In payment using biometric authentication, a customer-friendly technology with a high degree of freedom for customers to select a payment destination is provided. The present invention provides a biometric authentication payment system including: a biometric information acquisition device that acquires biometric information of a customer; a reception section that receives designation of a payment system of a payment destination; a transmission section that transmits the biometric information and a payment amount to the payment system; an authentication section that performs authentication using the transmitted biometric information, and a payment section that performs the payment of the payment amount when the authentication result is successful in authentication, and when a payment destination is designated.

Abstract: The present invention discloses a method or a system for verifying, storing and tokenizing data in cryptocurrency mining process by exchanging user data anonymously.

Abstract: A system and method are provided for the secure sharing of information across and open network and for performing management of keys used for encrypting and decrypting data.

Abstract: A booking management system for secure authentication of payment information and delayed transaction processing is provided. Third-party services partner with booking management systems to aggregate and list offerings of the third-party services in a digestible display on a one-stop platform. A booking management system can manage the authentication of payment card information on behalf of any number of such third-party services. The booking management system may receive a delayed transaction request from one or more such third-party service. The booking management system may provide virtual payment information to the third-party services for delayed transactions. The third-party services may later initiate the delayed transactions using the virtual payment information, without being required to perform authentication processing on the payment card information maintained by the booking management system.

Abstract: A content wallet includes a network module configured to communicate with a terminal device; and a toggle switch configured to control a connection between an external memory inserted into an accommodation groove and the network module, in which content stored in the external memory is transmitted to the terminal device through the network module, when the external memory and the network module are connected according to a manipulation of a user for the toggle switch.

Abstract: Example methods and apparatus for combining electronic payment and rewards redemption at retail points of sale are disclosed. A point of sale (POS) system may be configured to facilitate contactless payments while securing customer payment data. When a customer with a payment application installed on a mobile device initiates a transaction, the application obtains reference data associated with a customer account from an account services server of the POS. The reference data is then passed from the application of the mobile device to a POS terminal, such as by near field communication. Upon receiving the token, the POS terminal obtains customer payment data from the account services server and rewards program data for the customer from a rewards program server. Available rewards may be automatically applied prior to processing payment using the payment data to complete the contactless payment transaction.

Abstract: Methods, systems, and techniques for private identity verification involve obtaining a cryptographically secure commitment that is generated using a first user identifier and a private user identifier associated with the first user identifier; receiving, from an identity verification system, initial zero knowledge proof messages comprising the commitment; sending, to the identity verification system, a set of cryptographically secure known identifier commitments generated using a set of private user identifiers; receiving, from the identity verification system: (i) a zero knowledge proof response generated using the zero knowledge proof challenge; and (ii) proof that the private user identifier used in the initial zero knowledge proof messages comprises part of the set of private user identifiers; and verifying that the private user identifier used in the initial zero knowledge proof messages comprises part of the set of private user identifiers.

Abstract: Method for the secure execution of programs (smart contracts) implemented between a first wallet node (WN) (WN1) and a second wallet node (WN2), at least the second WN being implemented in an enclave of a processor, and the WNs being capable of executing programs designated in the messages that reach them, the method comprising the following steps: a) sending by WN1 to WN2 of a pre-message; b1) in response to this pre-message, execution in the enclave of a first program (WNRoT); b2) generation by the enclave of a certificate of authenticity of said first program and of the integrity of its execution; b3) sending said certificate to WN1; c) verification by WN1 of said certificate; d) in the event of successful verification, sending by WN1 to WN2 of a message intended to trigger the execution of a given program in WN2, and e) execution of said program in WN2.

Abstract: Techniques for implementing trustless deterministic state machines using a blockchain infrastructure and running state machines concurrently over one or more transactions are described. An initial transaction is created to include at least one initial locking script that includes a first set of constraints, a second set of constraints, and at least one redeemable value. An unlocking blockchain transaction is also created with an input comprising an unlocking script and respective transaction outputs for a first locking script and a second locking script. Upon processing the initial locking script and the unlocking script, the first set of constraints and the second set of constraints are determined. Next, the first and second locking scripts are verified to ensure that they satisfy the first and second sets of constraints. Finally, the initial transaction is caused to be validated at a node of a blockchain network.

Abstract: A method of transferring information with verification from a first party to a second party using suitably programmed computing apparatus is described. Information from a first party private address to a first party public address. This information is then sent from the first party public address to a second party address. The information is also provided for public recordal on a block of a block chain for verification. The first party private address is not communicated to the second party but the first party public address is communicated to the second party. This approach is particularly suitable for transfer of cryptocurrency, as it allows for an effective refund mechanism. Computing apparatus and application software adapted to implement this approach is also described.

Abstract: An expedited payment service may be accessed through a browser extension. As an extension operates in a manner in which it has access to the underlying merchant data, the extension may allow an expedited payment service to work with virtually any merchant web site to complete payment transactions.

Abstract: A method, apparatus, and computer-readable medium for artifact attribution is provided. The method can be performed by a generative system, or generative AI. The method can include storing a proprietary artifact created by a creator and terms of use for usage of the proprietary artifact defined by the creator. The method can also include generating a new artifact based on the proprietary artifact and the user's rights to the proprietary artifact. The method can also include determining an attribution for the new artifact.

Abstract: Disclosed are various embodiments for a point of sale terminal for a mobile device. In some embodiments, a system comprises a computing device that is configured to receive a transmission for a mobile device from a merchant and establish a first network connection with a virtual terminal system for the merchant. The virtual terminal system is activated and a first identifier for the mobile device is received through the first network connection. The first identifier is matched with a second identifier from an information database. A second network connection is established with the POS terminal for the second identifier. A payment token for a transaction is received from the POS terminal through the second network connection. A transaction acceptance is communicated through the first network connection to the virtual terminal system for the merchant.

Abstract: A system and method for oblivious information retrieval are disclosed. A particular embodiment includes: a plurality of network nodes in data communication with each other via a network, each network node having a secure processing enclave, the enclave configured to include: at least one isolated memory device, processing logic isolated from operating system (OS) calls, and a remote attestation capability; and a view node in data communication with the plurality of network nodes and a transaction ledger, the view node including an account index horizontally scaled across a plurality of computing devices, the view node further configured to receive a transaction and a corresponding account hint, to decrypt the account hint, and to add a row corresponding to the transaction and the account hint to the account index.

Abstract: A computer-based system for facilitating the execution of law enforcement duties is disclosed. More particularly, according to one aspect of the invention, an electronic system is configured to facilitate the performance of law enforcement duties by quasi-instantaneously providing actionable intelligence to its users, such as front-line law enforcement officers, in response to a real-time query. According to another aspect of the invention, a system implements a set of automated status classifications for subjects with suspected or confirmed involvement in criminal activities. The status classifications specifically and concisely establish the subject's involvement in criminal activities. According to yet another aspect of the invention, a system executes a streamlined electronic process for handling and processing seized items so as to ensure that criminal assets are efficiently and effectively seized, and that asset forfeiture actions are effectively initiated against the seized items.

Abstract: In a first party mode, a peer-to-peer transfer application: authenticates the party to an identity server; obtains an amount of funds to be transferred; causes the identity server to establish a session for storing information relating to the transaction; provides the amount to the identity server; provides account information for the party to the identity server; obtains a token unique to the transaction; obtains contact information for the counterparty; and provides a message including the token to the counterparty to indicate the transaction has been initiated. In a second counterparty mode, the application: receives a message including a token for a transaction from a first party; authenticates the counterparty; determines the counterparty wishes to complete the transaction; and uses the token to provide account information for the counterparty to the identity server for storing in association with an established session and to enable the identity server to complete the transaction.

Abstract: A method for dispute resolution for a blockchain transaction includes: receiving, by a receiver of a processing server, a blockchain transaction identifier and a dispute reason code from a first computing device of a blockchain network, the blockchain transaction identifier and the dispute reason code comprising a dispute request, the blockchain transaction identifier identifying a transaction on a blockchain; transmitting, by the receiver of a processing server, the blockchain transaction identifier and the dispute reason code to a processing device of the processing server; identifying, by the processing device of the processing server, the transaction, a merchant blockchain address, and a currency amount within a blockchain data value of the blockchain based on the blockchain transaction identifier; determining, by the processing device of the processing server, the transaction is invalid; and performing, by the processing device of the processing server, a dispute resolution process for the blockchain tra

Abstract: Methods and apparatuses allow an insurance agency to track their current performance in managing existing customers and bringing in new customers. A tool may obtain information from a user regarding characteristics of the user's agency and/or agency goals. The tool may use this information to determine an agency's business efficiency. The tool may also provide advice regarding marketing spending and/or additional human resources needed. The tool may benchmark an insurance agency against other agencies in the market. The tool may also display how generated leads are converted to new business and/or income for an agency.