Abstract: Methods, systems, and apparatuses for secure communications in a communications system through a secure database (SDB) using random numbers including, one-time use random number cipher keys.

Abstract: This application relates to apparatus and methods for identifying fraudulent transactions. A computing device receives return data identifying the return of at least one item. The computing device obtains modified strategy data identifying at least one rule of a modified strategy. The rule may be based on the application of at least one dimensionality reduction algorithm to an initial strategy. The computing device applies the modified strategy to the received return data identifying the return of the at least one item, and determines whether the return of the at least one item is fraudulent based on the application of the modified strategy. The computing device generates fraud data identifying whether the return of the at least one item is fraudulent based on the determination, and may transmit the fraud data to another computing device to indicate whether the return is fraudulent.

Abstract: Systems and methods for enhanced payment codes are disclosed. According to one embodiment, a method for presenting a machine-readable code to a transaction terminal may include (1) a computer payment application executed by a computer processor of a mobile electronic device displaying an image of a first payment device on a display; (2) the computer payment application receiving a signal from a sensor in the mobile electronic device indicating that the display is being presented to a transaction terminal; (3) the computer application requesting a machine readable code from a provider of machine-readable codes for the first payment device; (4) the computer application receiving the machine readable code for the first payment device; and (5) the computer application displaying the machine readable code on the display.

Abstract: An age verification method performed at a mobile device comprises: receiving, from a point-of-sale terminal, a request for a payment credential, the request comprising a data element indicative of age requirement data; verifying, using at least one sensor, an identity of a user of the mobile device; responsive to said verifying, initiating, by a digital wallet application executing on the mobile device, an age verification request to a digital identity application, the age verification request comprising the age requirement data; generating a response message that comprises a response from the digital identity application to the age verification request; and transmitting, to the point-of-sale terminal, the response message and the payment credential for initiation of a transaction authorization request.

Abstract: An electronic device includes a communication interface and at least one processor configured for: transmitting to or receiving from a second electronic device over proximity-based communication channel an introduction message including a first encryption key; receiving, from a server via the at least one communication interface, a challenge notification providing notification of a challenge to be completed to initiate a data process, the challenge notification including or providing access to at least one data field associated with a verification challenge; identifying, from the at least one data field, an encrypted challenge response value; decrypting the encrypted challenge response value with a key corresponding to the first encryption key; and transmitting the decrypted challenge response value to the server to complete the challenge to initiate the data process.

Abstract: The present invention discloses a blockchain system comprising N local area chains and M master nodes, N is an integer greater than or equal to 2, and M is an integer greater than or equal to 1; a first local area chain includes at least one child node and a first master node, both connection between the at least one child node and connection between the at least one child node and the first master node are established, the first local area chain is any one of the N local area chains, and the first master node is one of the M master nodes; and internal shared information of the first local area chain is shared between the at least one child node, and external shared information is shared with other local area chains in the N local area chains through the first master node and other master nodes.

Abstract: A node in a blockchain network may generate a secret information proof, generate a private/public key pair, encrypt the secret information proof with the private/public key pair, and submit the proof to a blockchain network.

Abstract: An approach is provided for implementing a useful proof-of-work consensus algorithm. A proposed block is received. A combined hash value is generated based on the proposed block and a nonce value. The combined hash value is divided into a plurality of hash value pieces that each correspond to a work packet of a plurality of work packets. One or more requests are transmitted for the plurality of work packets that correspond to the plurality of hash value pieces. In response to receiving the plurality of work packets, a plurality of results is generated by performing, for each work packet of the plurality of work packets, one or more operations to complete work specified by the respective work packet. In response to determining that at least one result of the plurality of results satisfies one or more criteria, the proposed block is added to a blockchain maintained by the blockchain network.

Abstract: A system for maintaining accurate health data and for providing rewards to data market participants. A marketplace platform based on Blockchain technology leverages smart contracts to provide rewards to sellers of data assets that provide corrections or updates to medical data, such as provider demographics. A URL API is provided to a buyer of the data with an encrypted password that is used to access the data from the URL API.

Abstract: A method for conveying a data message using a public ledger includes: generating, by a generation module of a processing server, a data message, wherein the data message comprises one or more data values; electronically transmitting, by a transmitting device of the processing server, a data signal superimposed with the generated data message to a first computing system; receiving, by a receiving device of the processing server, a data signal superimposed with an encrypted message from the first computing system, wherein the encrypted message is generated via application of one or more encryption algorithms to the generated data message using at least one encryption key; appending, by the generation module of the processing server, an identification value to the encrypted message; and submitting, by the transmitting device of the processing server, the appended encrypted message to a public ledger associated with a second computing system.

Abstract: A method for operating a decentralized application by users of a blockchain. In the method, a first user proposes a state change on a state channel anchored in a blockchain. If a confirmation of the state change by the other users on the state channel does not occur, the first user prompts the other users to confirm within a predefined time span on the blockchain. If the confirmation also does not occur on the blockchain, the state change is carried out at the blockchain.

Abstract: A Merkle tree-based data management method may comprise: aligning data into two-dimensional square matrix; calculating a hash value of each node of the two-dimensional square matrix; calculating hash values of each row of the two-dimensional square matrix; generating an additional column with nodes having the hash values of each row; calculating hash values of each column of the two-dimensional square matrix; generating an additional row with nodes having hash values of each column; and calculating a Merkle root by concatenating the hash values of the additional column and the hash values of the additional row.

Abstract: Examples include a blockchain system associated with a distributed file system. Some examples include creating a block in the blockchain system for each action performed while performing a transaction in relation to a file stored in the distributed file system. The created block includes information identifying one or more of a signature of metadata of the file or a signature of data content of the file. Some examples include performing audit on a file, through a blockchain system, to validate consistency of the file.

Abstract: A computer-implemented method for authenticating a user device via a device credential scoped to a common domain shared among a plurality of payment networks may be provided. The method may include receiving, by a server of a payment network, a first request redirected from a sub-domain assigned to the payment network to a domain name associated with the payment network, responsive to the first request, transmitting, to the user device, an authentication request comprising a challenge, a user identifier that identifies the user, and the common domain to which the device credential is scoped, receiving, from the user device, a response, accessing the device credential, the device credential having been stored by the payment network, validating the response based on the device credential, and causing, by the server, the user identifier and the device credential to be federated to the other ones of the plurality of payment networks based on the validating.

Abstract: Systems, methods, and computer-readable storage media of exchanging digital assets using a public key cryptography framework. One method includes storing a plurality of digital assets on an internal ledger, and receiving a signed exchange request signed by a private key of a public and private key pair associated with a digital asset on the internal ledger, wherein the signed exchange request includes a destination address of an inter-provider ledger. The method further includes providing, to the inter-provider ledger, a public key of the public and private key pair based on interfacing with the destination address of the inter-provider ledger via a first API, and determining, from the inter-provider ledger, the signed exchange request was verified. The method further includes updating the internal ledger by removing the public and private key pair, and updating a central ledger by interfacing with a central address of the central ledger via a second API.

Abstract: Provided is a computer-implemented method for conducting a payment transaction to ensure data integrity of the payment transaction that includes generating a transaction authorization request message, where the transaction authorization request message comprises a payload associated with an electronic funds transfer at a point-of-sale (POS) device, and where generating the transaction authorization request message includes generating a digital signature for the payload using a private key of a payment gateway system and inserting the digital signature for the payload into the transaction authorization request message, transmitting the transaction authorization request message including the digital signature, and receiving a transaction authorization response message from a transaction service provider system. A system and computer program product are also provided.

Abstract: Various examples of managing electronic accounts across various devices are described. Tokens may be used to transfer funds from one device to another device as the funds are desired for various activities such as gaming.

Abstract: Systems and methods for off-chain verification of cryptographic transactions are disclosed. The system receives a first transaction from a first blockchain, wherein the first transaction is associated with a first address of a first user device and receives a notification of an analysis of a whitelist status for the first transaction. The system performs a first off-chain check on the first transaction to determine validity of the first transaction and if the first off-chain check fails, determines whether a second off-chain check is required. If the second off-chain check is required the system performs the second off-chain check and if the second off-chain check fails, determines whether a supervised check is required. If the supervised check is required, the system sends transaction parameters of the first transaction to a second user device and submits transaction details to the first blockchain if an approval is received from the supervisor user device.

Abstract: A transaction method and a node design in a blockchain system, where a client initiates a transaction using a Structured Query Language (SQL) write command including transaction data or queries transaction data using an SQL query command. A node parses an SQL command, executes a simulated transaction, and checks block data based on a transaction result of the simulated transaction after obtaining the block data. After the check succeeds, the node converts the block data into an SQL write command that writes the block data, thereby writing the block data to a relational database (RDB).

Abstract: In variants, the system can include a set of blockchain modules and a set of interaction mechanism handlers configured to convert a unified set of system commands into blockchain-specific commands for each of a set of blockchains and/or blockchain nodes.

Abstract: An authentication and payment system for paying a supplier via a network may include a non-transitory computer readable storage medium having program logic stored thereon having a code for an authentication and payment application executable by a processor of a computing device. The code may be programmed to perform a step of receiving a first set of specific data elements from a payer regarding an authorized purchase by the payer from the supplier. The code may be further programmed to receive a second set of specific data elements from the supplier. If the first set of specific data elements matches at least a portion of second set of specific data elements, the code may be programmed to generate and send a single-use number to the supplier. The single-use number may be usable as a credit card number for only one purchase.

Abstract: A method may include obtaining first and second sets of block chain modifications from first and second exchange servers, respectively. The method may additionally include parsing the sets of block chain modifications to identify attributes associated with a first block chain modification included in the first set of block chain modifications, and automatically correlating the first block chain modification with a second block chain modification included in the second set of block chain modifications as corresponding components of an exchange associated with the first user. The method may additionally include flagging both the first and second block chain modifications based on the automatic correlation, and generating a report of the sets of block chain modifications that excludes the flagged block chain modifications.

Abstract: Exemplary embodiments relate to secure documents that are capable of being in an activated or deactivated state. When in the activated state, the document may be redeemable; when in the deactivated state, the document may not be redeemable. The document may be issued in the deactivated state and may require activation before being used. In order to activate the document, a user may log into an account associated with the document and scan a code printed on or embedded in the document. Using their account, the user may issue an activation command. This activation process ensures that, at the time the document is transferred, it is either in the presence of the user or the user is aware of the location of the document, and that the user wishes to authorize the transfer. Thus, even if the document is stolen or misplaced, it cannot be used without the requisite authorization.

Abstract: A method and system for securely transmitting a plurality of data streams between a client device and a server that are in communication via standard Internet protocols are disclosed. The method comprises authenticating the client device by the server to create a Session ID and authorizing the client device to access the plurality of data streams by the server using at least one ACL Group, wherein a WebSocket connection is created between the client device and the server once the client device is both authenticated and authorized. The system comprises a client device and a server in communication with the client device via standard Internet protocols, wherein the server authenticates the client device to create a session, authorizes the client device to access the plurality of data streams using at least one ACL Group, wherein a WebSocket connection is created once the client device is both authenticated and authorized.

Abstract: A method for optimizing refunds for suspected or detected fraudulent transactions includes receiving a chargeback analysis request for a potential chargeback transaction from a merchant or a payment processor, extracting identifying information of transactions associated with the chargeback transaction from the chargeback analysis request, searching for a chargeback analysis profile in a profile database, determining whether the chargeback analysis profile exists in the profile database, upon determining that the chargeback analysis profile does not exist in the profile database, obtaining a new fraud analysis profile, determining, based on the chargeback analysis profile, a first probability that the potential chargeback transaction will result in a chargeback, determining, based on the chargeback analysis profile, a second probability that the potential chargeback transaction will result in a chargeback after a proactive electronic refund transaction, and generating a proactive electronic refund transaction

Abstract: A gemstone includes: a table defining an area; and a scanable indicia formed in the gemstone at least partially positioned within an orthographic projection of the area extending along an axis, the axis extending perpendicularly through the table.

Abstract: The present invention relates to a content distribution management technology using blockchain technology. The content distribution management system using blockchain technology, according to one embodiment, may comprise: a purchase transaction generation unit for generating a purchase transaction in response to a content purchase request signal from a user terminal; a broadcasting processing unit for broadcasting the generated purchase transaction; a transaction processing unit for collecting a use transaction if, after the broadcast purchase transaction is verified, the content corresponding to the verified purchase transaction is used on the user terminal; a transaction verification unit for verifying the collected use transaction; a block generation unit for generating a first block and a second block corresponding to the verified use transaction; and a distributed ledger management unit for separately recording the generated first and second blocks in respective distributed ledgers.

Abstract: Described herein is a data optimization computer system for optimizing transaction authorization request messages directed to an authorizing party. The computer system includes a historical transaction database, a merchant database, and a data optimization computing device. The historical transaction database stores a plurality of historical transaction records. The merchant database stores a first merchant registered with the optimization computer system. The data optimization computing device may analyze at least a subset of the historical transaction records to generate a set of optimization rules. The set of optimization rules identifies optimal values for an optimized transaction authorization request message. The optimized transaction authorization request message may be associated with an improved likelihood of resulting in a positive request outcome.

Abstract: Medium, method and system for a distributed ledger system for recording asset provenance and titling information. The distributed ledger may store information that can be used to tie a particular digital asset provenance tag to an associated asset such as a serial number or other identifying indicia. The digital asset provenance tag may further store information regarding the provenance of the asset in question, including the history of the production and previous ownership of the asset. Thus, a prospective purchaser of the asset can confirm that the asset is what it is purported to be and that the seller is actually the owner of the asset prior to purchase.

Abstract: According to various example embodiments, a method of providing order-related information by an electronic device may include obtaining order information on or regarding a purchase item and customer information corresponding to the order information, transmitting the order information and the customer information to an external device, receiving, from the external device, sale-related information on or regarding a sales item that corresponds to the purchase item and is for sale by the customer, and providing at least some of the order information and the sale-related information on a first page.

Abstract: Embodiments of the invention are directed to methods, apparatuses, computer-readable media, and systems for securely processing remote transactions. One embodiment is directed to a method of processing a remote transaction initiated by a communication device. The method comprising a server computer receiving a payment request including encrypted payment information that is encrypted using a first key. The encrypted payment information including security information. The method further comprises decrypting the encrypted payment information using a second key, obtaining an authentication response value for the remote transaction from an authentication computer associated with an issuer, updating the decrypted payment information to include the authentication response value, re-encrypting the decrypted payment information using a third key, and sending a payment response including the re-encrypted payment information to a transaction processor.

Abstract: A method includes receiving, by a network computer, a request message including interaction data for an interaction with a user. The interaction data includes an account identifier for an account of the user. The network computer determines that the interaction is eligible for an installment plan by analyzing the interaction data. Based on determining that the interaction is eligible for the installment plan, the network computer transmits data identifying the installment plan. The network computer receives acceptance of the installment plan by the user. Responsive to confirming the acceptance, the network computer initiates the installment plan.

Abstract: Systems and methods are provided for hosting a blockchain associated with at least a first blockchain-based supply chain payment network and a second blockchain-based supply chain payment network. The blockchain can be a distributed database that includes a plurality of data records that represent transactions in the first blockchain-based supply chain payment network and transactions in the second blockchain-based supply chain payment network. A transaction between network participants associated with the first blockchain-based supply chain payment network can be determined. The transaction can be based on payment tokens minted for circulation in the first blockchain-based supply chain payment network. A data record that represents the transaction between the network participants associated with the first blockchain-based supply chain payment network can be verified.

Abstract: Application-based point of sale systems in mobile operating systems. A first application may generate a first URL directed to a second application, a parameter of the first URL comprising an identifier of the first application. A mobile operating system (OS) may access the first URL to open the second application. The second application may receive, from a server, a virtual account number (VAN). The second application may initiate a server on a port and generate a second URL directed to the first application, a parameter of the second URL comprising the port. The OS may access the second URL to open the first application. The first application may establish a connection with the server using the specified port and receive the VAN from the second application via the connection. The first application may autofill the VAN to a form field of a payment form in the first application.

Abstract: Quantum security may be enhanced through the use of quantum-safe validators for transactions whereby the quantum-safe validators process quantum-safe addresses and signatures of parties to the transactions. Quantum safety may be added to conventional blockchain transactions, for example, via smart contracts which are executed using cryptographic interlocks to between conventional smart contract execution engines and quantum-safe validators to ensure both quantum-safe processing of addresses and signatures and legitimacy of quantum-safe validators in presenting transactions for incorporation on the chain.

Abstract: Exemplary embodiments may use a contactless card as a secondary form of authentication in a multi-factor authentication for a secure messaging service. The recipient party of a request to initiate a messaging service session (such as a server computing device) may be programmed to use the phone number of the originating device to look up records regarding an identity of a party and their associated phone number as a primary credential and then may require an authentication credential originating from the contactless card as a secondary credential for the initiating party. In some instances, the credential originating from the contactless card is a onetime password that is valid only for a period of time. The recipient party determines whether the onetime password is valid. If both credentials are valid, a secure messaging session may be initiated with the initiating party.

Abstract: Systems and methods for automated linkage of enriched transaction data to a record of charge are provided. Electronic enriched transaction data, such as receipt information, provided by merchants, merchant aggregators, or third parties may be automatically associated with the corresponding transaction, and transmitted after the sale, or after authorization of the transaction, without user intervention. The enriched transaction data may be automatically associated with the record of charge at the acquirer or issuer end. Transaction account holders are able to view and/or download the electronic enriched transaction data with the record of charge, without the need for manually initiating emailing or attaching or the electronic enriched transaction data.

Abstract: Methods, systems, and apparatuses are described herein for protecting user accounts using machine learning models. A machine learning model may be trained to determine whether account activity indicates a risk to credit scores. Account data, associated with a first financial account, may processed to determine whether the first financial account is associated with at least one underage user. A transaction request, associated with the first financial account, may be received. A history of transactions conducted by the first financial account may be retrieved. The trained machine learning model may be provided, as input, the transaction request and the history of transactions. An indication of risk to a credit score associated with the at least one underage user may be received as output from the trained machine learning model. A limitation may be added to the first financial account based on the indication of risk.

Abstract: A mechanism for verifying digital information provenance and attestation using blockchain distributed ledger technology which reveals unauthorized tampering with credentialed information. Content modifications are detectable leveraging only local edge validation supported by the normative Bitcoin Core cryptographic libraries or equivalent blockchain implementations. The invention prevents unauthorized access, unregulated copy distribution, and orphaned ownership lacking issuer provenance and attestation. The preferred embodiment provides tamper detectable digital content containers supporting credentialing, remote administration, localized validation, distributed access control, and processing instruction signaling. Intermediary third-party services are not required to verify provenance and issuer attestation. Blockchain integrated cryptographic information containers and administrative transactions immutably record the binding between participating parties (e.g.

Abstract: A mobile payment method includes the steps of providing a mobile payment device having mobile payment capability and a mobile identity. Providing transaction information for a transaction and sending the transaction information to a server. The server prepares a URL link containing the transaction information and sends the URL link to the mobile payment device using the mobile identity. Clicking on the URL link sets up a HTTPS session and program script and validation token are downloaded to the mobile device. The payment can then proceed.

Abstract: Methods and systems for granting or denying a client device access to one or more resources in a remote computing environment are described herein. A computing device may receive from an identity provider a token authenticating that a user of a client device is at a first location. The computing device may determine, based on the token, one or more labels for a session associated with the user. Each label of the one or more labels is associated with a corresponding security group. Based on the one or more labels, the user of the client device may be granted access to sensitive data.

Abstract: A method for performing a transfer using a blockchain network and a uniform resource locator (URL) includes receiving, by computer program code which is stored on the blockchain network, an address on the blockchain network and tokens or value associated therewith the address for writing a blockchain transaction. The URL is associated with the address and includes key parameters thereof. The computer program code receives, as an automated result of execution of the URL, a cryptographically signed transaction having the key parameters of the address and key parameters of a new address that were generated by the execution of the URL. The computer program code transfers, based on the blockchain network reaching consensus on the transaction, at least part of the tokens or value from the address to the new address as a further automated result of the execution of the URL.

Abstract: Techniques discussed herein describe an example system for verifying the identity and location of a customer in a bank branch parking lot. A server determines whether to provision a service for a vehicle based on telemetry data received from a telemetry module on the vehicle in a fleet of vehicles. The telemetry data includes a first location and status information of the vehicle. The server identifies a vendor to provide the service and directs the vehicle to a second location of the vendor from the first location of the vehicle. The server provides authorization to the vehicle for an on-board transaction module to initiate a request for the service when the vehicle is at the second location of the vendor.

Abstract: Systems and methods for generating customer transaction test data that simulates real world customer transaction data are disclosed. In one embodiment, a method may include (1) generating an account type reference file defining a plurality of account types; (2) generating a transaction type reference file defining a plurality of transaction types; (3) generating a plurality of customer test data records based on at least one of the plurality of parameters, wherein each customer test data record comprises a plurality of data fields, the data in each data field having a format that simulates real-world data; (4) verifying a uniqueness of each of the plurality of customer records; (5) generating a random number of accounts for each customer test data record based on the account type reference file; and (6) generating a random number of transactions for each account based on the transaction type reference file.

Abstract: An actionable alert platform is provided. The platform may utilize artificial intelligence (“AI”) to formulate alert triggers that inform a user regarding unusual activity associated with a target transaction. The platform allows a user to enter customized criteria for an alert trigger and actionable responses for remediating the detected alert trigger. In response to detecting an alert trigger, the platform may formulate and transmit push notifications to a mobile device of user. The user may implement the actionable response directly from within the push notification. The platform may also provide push notifications to the user that advise on a status of the target transaction after applying the actionable response. An AI engine may generate additional alert triggers based on the criteria entered by the user. The AI engine may generate the actionable responses for any alert trigger.

Abstract: A method includes importing an object into a first data storage device, obtaining static metadata relating to the object, and obtaining dynamic metadata relating to the importation of the object. The static metadata and the dynamic metadata are hashed to create a block hash for the object and the importation of the object. The imported object and the block hash are stored in the first data storage device.

Abstract: A method for processing a transaction of a communications terminal, asking a server, through a communications network, for processing of a transaction involving the use of payment data. The method is implemented within the communications terminal. The method includes: transmitting a request for obtaining a certification code to the payment method whose data is used for the transaction; receiving the certification code coming from the payment method; inserting the certification code into a transaction data structure; transmitting the transaction data structure to the server; and when the certification code received by the server is valid, receiving a piece of data representing the validation of the transaction by the server.

Abstract: A method and system for anonymizing data are disclosed. The method and system include receiving, at the wrapper, a request to store data in a data source. The wrapper includes a dispatcher and at least one service. The dispatcher receives the communication and is data agnostic. The method and system also include providing the request from the dispatcher to the at least one service and anonymizing, at the service(s), the data to provide anonymized data.

Abstract: Provided is an information processing device including a registration data generation unit (112) that generates registration data that is registered in a P2P database (120) and that includes encrypted identification information generated through encryption using key information of a subject related to the registration data, the encrypted identification information being used to identify the subject and being different for each registration data.

Abstract: A certificate authority service receives a request to issue a long-duration digital certificate from an entity for validation purposes between the entity and the service. Upon issuance of the long-duration digital certificate, the entity submits a request to the service for issuance of a short-duration digital certificate that includes a shorter validity period than the long-duration digital certificate. The service may utilize the long-duration digital certificate to validate the entity and, upon validating the entity, issues the short-duration digital certificate to the entity. The entity may subsequently utilize the short-duration digital certificate to enable a user client to authenticate the entity and securely communicate with the entity.