Abstract: A method and system of securely enrolling delegates with an account management service so that the delegates can manage access to funds on behalf of a primary account holder is disclosed. The method and system include generating new profiles for proposed delegates, setting delegate approval policies, ensuring a sufficient number of delegates have been selected, and confirming the identity of each delegate.

Abstract: Methods, systems and apparatus are provided for facilitating financial transactions using an IC type financial card presented at a terminal. A requested transaction for monetary value is processed via a first transaction type. If the transaction is successful, monetary value (such as cash or a monetary value ticket or receipt) is dispensed to the user. If unsuccessful, the card is not ejected and the transaction is processed via a second transaction type. The first transaction type might be a PIN based ATM or ticket transaction and the second transaction type might be a signature based transaction.

Abstract: Hardware and software resources are load balanced when processing multiple blockchains. As more and more entities (whether public or private) are expected to generate their own blockchains for verification, a server or other resource in a blockchain environment may be over utilized. For example, as banks, websites, and retailers issue their own private cryptocoinage, the number of financial transactions may clog or hog networking and/or hardware resources. A blockchain load balancing mechanism thus allocates resources among the multiple blockchains.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for probing and identifying unique transaction characteristics associated with digital resource exchange platforms. The system identifies the unique characteristics and stores them as digital resource exchange identifiers capable of being cross-referenced with real-time or stored transaction data from multiple transaction channels in order to intelligently identify transactions involving one or more entity resource accounts and digital resource exchanges. Various decisioning steps are described which may be automated following the identification of a transaction or entity resource account involving one or more digital resource exchanges.

Abstract: An improved financial terminal automatically reconfigures into different financial processing terminal types. In one embodiment, the terminal comprises a housing; a card reader configured to accept at least a portion of a card having an integrated circuit; at least one display; at least one processor; and at least one memory configured to store machine readable code, the machine readable code comprising a first kernel corresponding to a first transaction type and a second kernel corresponding to a second transaction type.

Abstract: Methods and systems for multivariable reconciliation of trust accounts are disclosed. The methods and systems can include acquiring transaction data for transactions in one or more trust accounts including a plurality of extrinsic variables. A plurality of variable ledgers can be produced from the transaction data and the extrinsic variables, including an account transaction ledger, a customer transaction ledger, and a job transaction ledger. The plurality of variable ledgers can then be reconciled internally and amongst the other variable ledgers. The reconciled overlapping data between the account transaction ledger, the customer transaction ledger, and the job transaction ledger, can then be incorporated to produce a multivariable ledger, which can be presented to or analyzed by an operator through an input device.

Abstract: A method of network configuration of personal identification number (PIN) pads includes obtaining a PIN pad configuration hash value for a current configuration of the PIN pad, comparing the obtained PIN pad configuration hash to a locally stored PIN pad configuration hash, upon determining that the obtained PIN pad configuration hash and the locally stored PIN pad configuration hash do not match, performing additional operations, which include requesting a new PIN pad configuration, receiving the new PIN pad configuration, receiving a new PIN pad configuration hash, and storing the PIN pad configuration hash.

Abstract: Systems, mechanisms and processes are provided to allow law-enforcement officials, when encountering the potential use of prepaid payment cards in the furtherance of a crime or in relation to criminal activities, to (1) attempt to check the balances on such prepaid payment cards, including the ability to perform aggregate balance checks on a group of such prepaid cards, (2) attempt to freeze the funds on such prepaid payment cards, and/or (3) attempt to seize the funds on such prepaid payment cards.

Abstract: A computer node comprising multiple software modules may receive a cryptographic key from a hardware security module. The computer node may use the cryptographic key to produce two key portions, which are distributed to two software modules. These software modules and an optional additional software module may use the key portions in order to encrypt an initial message. The key portions and their locations in memory are periodically updated in order to provide improved cryptographic security.

Abstract: Methods, systems and apparatus are provided for facilitating financial transactions using an IC type financial card presented at a terminal. A requested transaction for monetary value is processed via a first transaction type. If the transaction is successful, monetary value is dispensed to the user. If unsuccessful, the card is not ejected and the transaction is processed via a second transaction type. The first transaction type might be a PIN based ATM transaction and the second transaction type might be a signature based transaction.

Abstract: Techniques are disclosed relating to a method that includes, in response to a request from a user to complete a secure transaction, determining, by a computer system, that a plurality of transaction options is available for completing the secure transaction. The method further includes generating, by the computer system, a plurality of authentication codes, each authentication code of the plurality corresponding to a respective one of the plurality of transaction options. Receiving a particular authentication code of the plurality of authentication codes from a computing device associated with the user causes a selection of a corresponding transaction option.

Abstract: Methods, systems and apparatus are provided for facilitating financial transactions using an IC type financial card presented at a terminal. A requested transaction for monetary value is processed via a first transaction type. If the transaction is successful, monetary value is dispensed to the user. If unsuccessful, the card is not ejected and the transaction is processed via a second transaction type. The first transaction type might be a PIN based ATM transaction and the second transaction type might be a signature based transaction.

Abstract: An example operation includes one or more of transferring, via a blockchain, a digital value from a sender to a receiver, the digital value representing an off-chain transfer of value, monitoring a message flow between the sender and the receiver, detecting a settlement of the off-chain transfer of value based on message content within messages of the message flow, and returning, via the blockchain, the transferred digital value from the receiver to the sender based on the detected settlement.

Abstract: Techniques described herein are directed to using blockchains to record, manage, and transfer ownership rights to land titles. A method in accordance with these techniques may include: creating a property blockchain that is permissioned, the property blockchain including a chronologically ordered, back-linked list of one or more blocks, the one or more blocks including a genesis block, the genesis block including property attributes including one more of the following: a physical address of the property, a year the property was built, and an owner of the property; and transmitting the property blockchain to permissioned nodes on a network, where the permissioned nodes validate transactions associated with the property that are recorded on the property blockchain.

Abstract: Methods, systems and apparatus are provided for facilitating financial transactions using an IC type financial card via a terminal. A user is provided a list of transaction types, such as PIN-based, signature-based, etc., and a requested transaction is processed via a first selected transaction type. If the transaction is unsuccessful, the terminal automatically presents a list of remaining available transaction types from which the user may select and the transaction is processed by the next selected transaction type. If the transaction is successful, funds are provided to the user, such as in the form of currency/coins or funds transfer.

Abstract: An improved financial terminal automatically reconfigures into different financial processing terminal types. In one embodiment, the terminal comprises a housing; a card reader configured to accept at least a portion of a card having an integrated circuit; at least one display; at least one processor; and at least one memory configured to store machine readable code, the machine readable code comprising a first kernel corresponding to a first transaction type and a second kernel corresponding to a second transaction type.

Abstract: Tokenized assets with associated value are transferred from a designated server to a mobile device. The associated value is removed from the designated server. The tokenized assets are transferred to a first trusted electronic device. The first trusted electronic device is associated with the mobile device. At least a portion of the tokenized assets are transferred to a second trusted electronic device such that the portion of the tokenized assets are only stored on the second trusted electronic device after the transfer. The second electronic device is associated with a second mobile device. The transfer occurs at a time when both the mobile device and the electronic device are offline.

Abstract: Hardware and software resources are load balanced when processing multiple blockchains. As more and more entities (whether public or private) are expected to generate their own blockchains for verification, a server or other resource in a blockchain environment may be over utilized. For example, as banks, websites, and retailers issue their own private cryptocoinage, the number of financial transactions may clog or hog networking and/or hardware resources. A blockchain load balancing mechanism thus allocates resources among the multiple blockchains.

Abstract: Systems, mechanisms and processes are provided to allow law-enforcement officials, when encountering the potential use of prepaid payment cards in the furtherance of a crime or in relation to criminal activities, to (1) attempt to check the balances on such prepaid payment cards, including the ability to perform aggregate balance checks on a group of such prepaid cards, (2) attempt to freeze the funds on such prepaid payment cards, and/or (3) attempt to seize the funds on such prepaid payment cards.

Abstract: One example computer-implemented collaborative NFT method involves receiving and digitally storing a set of files, each file comprising digital content; programmatically associating the set of files with a corresponding unique project identifier; receiving digital input specifying a final digital composition comprising information from the set of files; digitally storing the final digital composition as a digital object in a database; receiving digital input specifying an allocation of authorship shares representing a distribution of ownership rights in the digital object; minting, on a blockchain, an NFT comprising a reference to the digital object; creating, on the blockchain, a smart contract specifying a fractional ownership of the digital object, the smart contract comprising a pointer to a metadata file associated with the NFT, the metadata file comprising one or more links to one or more corresponding digital assets associated with the NFT, each digital asset comprising a representation of the NFT.

Abstract: An example operation may include one or more of sending a transmission process from a client with an application, the application coupled to the client, receiving the transmission process from the client via a multistate peer network, the multistate peer network includes a ledger, an endorsement policy, and a smart contract, generating, from the transmission process, a multistate endorsement based ledger process, establishing a threshold state logic and a final state logic via the smart contract, the threshold state logic is set by the minimum number of endorsements required to commit to the ledger set by the endorsement policy, a commitment to the ledger triggers the final state logic, and executing post-settlement processes via the final state logic.

Abstract: A transaction processing system may include: a plurality of leaf chains including a first leaf chain and a second leaf chain, the first leaf chain and the second leaf chain including a first leaf chain manager contract and a second leaf chain manager contract, respectively; a root chain comprising a root chain manager contract for the root chain, a first leaf chain contract for the first leaf chain, and a second leaf chain contract for the second leaf chain; and at least one relayer located between the root chain and the plurality of leaf chains, and configured to process a remittance request from the first leaf chain to the second leaf chain.

Abstract: One or more embodiments of the description provide a blockchain-based claim settlement method and apparatus. The blockchain comprises a claim settlement organization node device and a service processing organization node device. The method comprises: obtaining, from a distributed database of the blockchain, a target transaction sent by the service processing organization node device, the target transaction comprising service behavior data generated by a claimant in the service processing organization node device; generating claim settlement plan logic for the claimant on the basis of the service behavior data comprised in the target transaction; and executing the claim settlement plan logic.

Abstract: A method that detects unwanted calls based on information shared between a first telecommunications network provided by a first service provider and a second service provider providing a second telecommunications network including receiving, by a data-processing system, a request to provide a telecommunications service to the first telecommunications network, the request being received by the first telecommunications network from a user of the first telecommunications network through a first gateway, and wherein the request comprises a calling party identification that identified a calling party and a called party identification that identified a called party.

Abstract: Hardware and software resources are load balanced when processing multiple blockchains. As more and more entities (whether public or private) are expected to generate their own blockchains for verification, a server or other resource in a blockchain environment may be over utilized. For example, as banks, websites, and retailers issue their own private cryptocoinage, the number of financial transactions may clog or hog networking and/or hardware resources. A blockchain load balancing mechanism thus allocates resources among the multiple blockchains.

Abstract: An authentication method for use in a device and comprises monitoring a program behavior stream comprising a plurality of program observables that comprises a program observable. The method records the program observable and matches the recorded first program observable to a program model selected from a plurality of program models stored within a program store. A user model is selected from a plurality of user models stored within a user store corresponding to the program model. A user behavior stream corresponding to the program observable is monitored and a user observable contained in the user behavior stream is recorded. The user observable is correlated to the user model and an authentication state associated with the device is determined based on the correlating.

Abstract: Systems and methods for expediting math-based currency (“MBC”) transactions are described. A financial institution facilitates the expedited MBC transactions. The expedited MBC transactions are achieved by guaranteeing merchants that a pending MBC transaction between the merchant and a customer will be verified by the MBC verification nodes. A provided guarantee can be collected on by the merchant in the event that a guaranteed MBC transaction is not verified by the MBC verification nodes.

Abstract: A method for issuing certificates based on a blockchain network is provided. The method includes steps of: an authentication-supporting server, (a) if personal information on a user is acquired, (i) instructing a user device to generate a public and a private key of the user and transmit the public key to the authentication-supporting server, (ii) storing the certificate including the public hey as corresponding to the personal information, and (iii) determining whether one of current anchoring conditions is satisfied; (b) if it is, generating a root hash value by a Merkle tree operation on leaf nodes including hash values of the certificates stored after a previous anchoring condition is satisfied; and (c) one of (c-1) storing the transaction including the root hash value in a distributed database on the blockchain network and (c-2) instructing a blockchain node to store the transaction in the distributed database, and acquiring a transaction ID.

Abstract: A method for authenticating a specific user by using certificates including a specific certificate of the specific user based on a blockchain network is provided. The method includes steps of: an authentication-supporting server, (a) on condition that a transaction is stored in a distributed database on the blockchain network from when a previous anchoring condition is satisfied to when a current anchoring condition is satisfied, wherein the transaction includes a root hash value created by a Merkle tree operation to leaf nodes having hash values of the certificates and the certificates including public keys of users, root hash identification information, and a transaction ID for locating the transaction on the distributed database are stored in the authentication-supporting server as corresponding to the specific user, if authentication of the specific user is requested, confirming validity of the specific certificate; and (b) if the specific certificate is valid, authenticating the specific user.

Abstract: A computerized system and method may include, in response to receiving a blockchain via a communications network that includes information associated with an event, parsing, by a blockchain parsing engine being executed by a blockchain node, the information to identify a status state of an item related to the event. The blockchain may be inclusive of the information along with the status state of the item may be stored in a storage unit. An event tracking engine may determine from the parsed information that the status state of the item transitioned from a first state to a second state. Responsive to the event tracking engine determining that a qualifying state is satisfied by the item being in the second state, automatically executing, by the blockchain node, a smart code inclusive of initiating communications between a first party and a second party.

Abstract: Disclosed is a method of providing bio-information data based on a plurality of blockchains. The method includes enabling a user blockchain node to store user block data including user information, a shared key, and a hash key for each user of a plurality of users, enabling an electronic contract blockchain node to store contract block data including contract information for a first user requesting a second user to generate bio-information data, the first user and the second user being included in the plurality of users, enabling a data transfer blockchain node to store transfer block data including storage information for at least one storage server that stores the bio-information data, and delivering the transfer block data from the data transfer blockchain node to the first user.

Abstract: An authentication method for use in a device and comprises monitoring a program behavior stream comprising a plurality of program observables that comprises a program observable. The method records the program observable and matches the recorded first program observable to a program model selected from a plurality of program models stored within a program store. A user model is selected from a plurality of user models stored within a user store corresponding to the program model. A user behavior stream corresponding to the program observable is monitored and a user observable contained in the user behavior stream is recorded. The user observable is correlated to the user model and an authentication state associated with the device is determined based on the correlating.

Abstract: The Social Aggregated Fractional Equity Transaction Partitioned Acquisition Apparatuses, Methods and Systems, (“SAFETPA”) transforms fractional equity ownership purchase request inputs via SAFETPA components into transaction confirmation outputs. A Fractional Order Generation component receives a purchase request for a fractional order of an equity via a data communication network interface from a client terminal of a client having a source of funds and having a public encryption key, determines a purchase price for the fractional order of the equity by retrieving a quote for a price of a share of the equity, confirms that the source of funds contains at least the purchase price; and generates a trade order for the share of the equity.

Abstract: There is disclosed a blockchain-based system, and an electronic apparatus and a method in the system. The electronic apparatus at a control node end includes a processor configured to: verify, in response to an ownership declaration for a new object that is first introduced from a to-be-verified node in the system, the ownership declaration; and sign, in a case that the verification is successful, the ownership declaration to be returned to the to-be-verified node, so that the signed ownership declaration is verified by other nodes in the system and a record regarding the ownership declaration is added to the blockchain. According to the embodiment of the disclosure, it is possible to verify the newly introduced object in the blockchain-based system without binding with a cipher coin, while maintaining a peer-to-peer architecture of the blockchain-based system.

Abstract: A method, system, GUI, apparatus, and computer readable media for enabling a customer to access to an unpublished media file uploaded by an artist are provided. An artist's profile may be hosted on, for example, a web site, SMS/MMS gateway, and a WAP site. A previously unpublished media file may be received from the artist based on a publish option of listed unpublished media content and may be uploaded to the user profile. The unpublished media file may be associated with the artist's account. A request to access the media file may be received from a customer. An account associated with the customer may be updated to indicate their requested access to the media file. The customer may then be enabled to access the media file. The user's account may be updated to indicate the transaction.

Abstract: The present invention relates to a system for issuing a public certificate on the basis of a block chain, and a method for issuing a public certificate on the basis of a block chain by using same, the system comprising: a user terminal (100); a server (200) for requesting the issuance of a public certificate on the basis of a block chain; a server (300) for managing the public certificate on the basis of the block chain; and servers (400) having the block chain.

Abstract: Electronic payment architectures specifically intended for account management systems, and specifically to electronic payment systems include client devices of remote users, with an interface unit for controlling monetary operations and accounts, and are connected to one another with the aid of a unified network, which includes at least one server with, connected to one another, a storage unit for a database of monetary operations and accounts, an authorization and authentication unit, a unit for controlling monetary operations and accounts, and an analysis and statements unit, and can be used by users of computer devices for controlling real and virtual monetary operations and In accordance with this utility model, the electronic payment system additionally comprises accounts, a unit for creating and keeping an account in real monetary units, and a unit for creating and keeping an account in virtual monetary units, which units are connected to the unit for controlling monetary operations and accounts and to

Abstract: Methods and apparatus are disclosed for transitioning a receiver from a first state to a second state using an in-band signal over a differential serial data link.

Abstract: Pursuant to some embodiments, methods, systems, apparatus, computer program code and means for conducting an online transaction by a user operating a computer are provided which include identifying, at the computer, that the user has selected a secure payment option during a transaction with a merchant. The computer is caused to enter a private session. During the private session, payment card data from a physical payment card held by the user is received, and the payment card data is forwarded to a payment provider to cause the payment provider to provide substitute payment card details to the merchant to complete the transaction.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for enrolling a user in a device identification program. In some embodiments, a system is configured to: receive device identification information from a mobile device, receive user information associated with a user, the user information enabling identification of the user, associate the device identification information with the user information, and create a record based on the device identification information and the user information.

Abstract: Systems and methods for dynamically managing and netting transactions based on one or more sets of netting rules are disclosed. The present invention dynamically associates transactions with one or more collections based on the execution of netting rules to identify transactions that may be ideal for netting and to perform netting operations and calculations accordingly. The present invention may execute the netting rules according to the priority of the netting rule within a rule hierarchy and utilizes unique solutions allowing for the efficient processing of transactions even as netting rules are created, modified and removed from time-to-time. In addition, embodiments of the disclosed netting system utilize denormalized sets of data and maintain a complete audit trail for all operations.

Abstract: A wirelessly updated consumer spending card includes a spending card housing, a memory module on the spending card housing, a processor module on the spending card housing in operable communication with the memory module, an output display on the spending card housing in operable communication with the processor, a transceiver on the spending card housing operable for wirelessly transmitting and receiving data across a metropolitan area in operable communication with the processor and display, and a power source on the spending card housing in operable connectivity to the memory, processor, transceiver and display. The card may further include a biometric input device on the spending card housing in operable communication with the processor.

Abstract: A method for providing fast and secure access to MIFARE applications installed in a MIFARE memory being configured as a MIFARE Classic card or an emulated MIFARE Classic memory, comprises: keeping a repository of MIFARE memories and user identifications assigned to said MIFARE memories as well as of all MIFARE applications installed in the MIFARE memories, wherein, when a new MIFARE application is to be installed in a MIFARE memory identified by a user identification the present memory allocation of said MIFARE memory is retrieved, an appropriate sector of said MIFARE memory is calculated, a key is calculated for said MIFARE application and the MIFARE application together with the assigned sector and key are linked to the user identification and are stored in the repository.

Abstract: The invention concerns a method of making a payment transaction by a customer including steps of receiving, by a mobile device (402) of the customer, merchant data; transmitting, by the mobile device to a remote server (408), a payment transaction request including the merchant data; determining, by the remote server, the identity of the customer based on the request and the identity of the merchant based on the data; and implementing the payment transaction between bank accounts of the customer and the merchant.

Abstract: Methods, systems, and computer-readable media are disclosed for access control. A particular method receives a resource access identifier associated with a shared computing resource and embeds the resource access identifier into a link to the shared resource. The link to the shared resource is inserted into an information element. An access control scheme is associated with the information element to generate a protected information element, and the protected information element is sent to a destination computing device.

Abstract: A method of concurrently assessing a closure status for multiple ledgers may comprise accessing a general ledger and a plurality of subledgers including a first subledger and a second subledger, having first and second close periods, respectively. The method may also include translating the second subledger such that the second subledger has the first close period, and determining a closure status for each subledger over the first period. The method may additionally include determining a status for the general ledger indicating a closure status over the first period, and concurrently displaying an indication for each of the plurality of subledgers and the general ledger. The method may further include displaying the status of each of the plurality of subledgers next to the indication for each, and displaying the status of the general ledger next to the indication for the general ledger.

Abstract: In a value transfer scheme, users are provided with programmable devices, for example, smart cards, capable of carrying data representing at least one available commodity value. Data representing user accounts is held at a remote processing station. Transactions between users are effected by the off-line exchange of data between users'respective smartcards, the exchanged data containing a record of each transaction entered into. The user account data for each user's account held at the remote processing station is updated only subsequently when the user's smartcard is on-line to the remote processing station and data therefrom is uploaded to the remote processing station. The scheme of the invention can, conveniently, be based around the ITSO scheme which is used to govern the secure transfer of data. The scheme is capable of providing a secure multi-commodity value transfer system.

Abstract: Methods, apparatus and computer program products are provided for monitoring compliance in reporting unclaimed property. The method is capable of identifying both potential non-reporters and potential under-reporters. In this regard, potential under-reporters may be identified as a result of a multilevel review that may take into account the recent reporting history, both in terms of frequency and the type and quantity of unclaimed property that has been reported. The potential non-reporters and potential under-reporters may then be further evaluated, such as by means of an audit or other follow up procedure, to insure compliance.

Abstract: Systems and methods for dynamically managing and netting transactions based on one or more sets of netting rules are disclosed. The present invention dynamically associates transactions with one or more collections based on the execution of netting rules to identify transactions that may be ideal for netting and to perform netting operations and calculations accordingly. The present invention may execute the netting rules according to the priority of the netting rule within a rule hierarchy and utilizes unique solutions allowing for the efficient processing of transactions even as netting rules are created, modified and removed from time-to-time. In addition, embodiments of the disclosed netting system utilize denormalized sets of data and maintain a complete audit trail for all operations.

Abstract: A personal digital key (e.g., which can be carried by a human) contains a memory having different service blocks. Each service block is accessible by a corresponding service block access key. As the personal digital key (PDK) moves around, it is detected by sensors. The sensors report position data, thus enabling location tracking of the PDK. The sensors also provide a data path to various applications. An application that has access to a service block access key can therefore access the corresponding service block on the PDK. The sensors themselves may also contain service block access keys.