Abstract: Systems and methods for securely storing digital assets using a secure portal are disclosed. Using an isolated computer within an electronic isolation chamber, a plurality of digital asset accounts may be generated, and one or more private keys and a digital asset account identifier corresponding to each of the digital asset accounts may be obtained. A respective reference identifier may be associated with each digital asset account. At least one of the one or more private keys corresponding to each digital asset account may be divided into a plurality of private key segments and written to a card along with the respective reference identifier to create sets of collated cards, wherein each set comprises cards corresponding to different private keys.

Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for performing financial transactions. In one embodiment, a system is introduced that enables a communication between a user and a wireless personal assistant. The communication occurs through the use of a vocal command which is recognized and authenticated by the wireless personal assistant for the request and transfer of a monetary amount between a user and a contact. The communication occurs using a financial institution associated with the user and linked with the wireless personal assistant for the manipulation of funds from the user account.

Abstract: Systems and methods for digital identity verification are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for digital identify verification may include: (1) receiving, from a user electronic device or at a website, an image of an identity document for a user, the identity document comprising an image of the user; (2) processing the identity document with at least one business-specific rule; (3) extracting identity information from the identity document; (4) determining a match rate of the image of the user on the identity document to a captured image; (5) assigning a verification score to the user based on extracted identity information and the match rate; and (6) publishing the verification score to at least one system.

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: A method for translating transaction messages includes receiving, by a server from an acquirer, an inbound transaction message that is associated with a transaction and pursuant to a first message format supported by the acquirer. The server translates the inbound transaction message from the first message format to a second message format supported by the server when the first and second message formats are different. The server processes the inbound transaction message having the second message format and generates an outbound transaction message having the second message format. The server translates the outbound transaction message from the second message format to a third message format supported by an issuer that corresponds to the transaction when the second and third message formats are different, and transmits the translated outbound transaction to the issuer for processing the transaction. Thus, the method allows the server to translate transaction messages between different message formats.

Abstract: Systems for dynamically detecting and controlling unauthorized events are presented. In some examples, data may be received from one or more computing systems. In some examples, the computing systems may each be associated with an enterprise unit within an enterprise organization. The data may include, in some examples, processed unauthorized activity event data, such as account takeover event data. The data received may be aggregated and analyzed (e.g., using machine learning) to identify potential threats and threat outputs. In some examples, the threat output may include a user interface indicating the threat or potential threat, systems or applications potentially impacted, enterprise units impacted, and the like. Based on the threat output, one or more mitigation actions may be identified and executed. The mitigation actions may include modifying operation of one or more systems, modifying authentication requirements, and the like.

Abstract: A method of provisioning an eUICC of a mobile communication device. The method comprises sending a GSMA confirm order request from an eUICC provisioning application executing on a computer system to a SM-DP+ server, wherein the confirm order comprises an ICCID and a FQDN of a discovery server; in response to receiving a GSMA confirm order response indicating a failure of the discovery server, determining by the eUICC provisioning application that a mobile communication device associated with the ICCID is configured with an LPA application that is able to complete an alternative eSIM profile provisioning process using a scanning device to capture an activation code; generating an activation code by the eUICC provisioning application that encodes an address of the SM-DP+ server and the ICCID; and sending the activation code by the eUICC provisioning application to an email account associated with a user of the mobile communication device.

Abstract: A digital wallet that facilitates fast, convenient, and secure commerce using a mobile electronic device (or non-mobile electronic device) and stores information associated with transactions, such as purchase confirmations and receipts. The digital wallet can store information for use in transactions, including information associated with one or more financial accounts, user information, and shipping information. To complete an online purchase, the digital wallet can interact with a merchant's website to obtain information regarding the purchase. The digital wallet provides a user interface for the user to review and confirm the purchase information. The user interface also allows the user to select from multiple payment options, customize shipping information, or provide information requested by the merchant. The digital wallet can transmit user confirmation to the merchant's website and receive a receipt for the purchase.

Abstract: An example operation may include one or more processing transactions of a plurality of blocks of a blockchain of the blockchain network to determine a user of a plurality of users that is a party of the respective transaction and a mining pool of one or more mining pools that included the respective transaction in the blockchain, performing a statistical analysis of the transactions to determine if the transactions of a user of the plurality of users is distributed across the one or more mining pools in a statistically expected manner, determining that the user has a special relationship with one or more of the one or more mining pools if the transactions of the user are not distributed across the mining pools in a statistically expected manner, and for a user that is determined to have a special relationship, determining one or more of the mining pools with which the determined user has a special relationship.

Abstract: Implementations are described for automatically storing, in a blockchain, metrics that relate to payments. In one implementation, permissions that identify a set of metrics are retrieved from a database. The permissions are stored by a tenant of a multi-tenant system to grant permission to the multi-tenant system to store the metrics for a second tenant. A metric is selected from the set of metrics, based on a determination that a value of the metric is to be updated responsive to a payment in a transaction between the first and second tenants where the payment has been successfully processed. The value of the metric is determined for the second tenant based on data relating to the payment. The value of the metric is stored, in the blockchain, with an identifier that uniquely identifies the second tenant in the blockchain.

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: Systems, methods, and apparatuses for establishing a pull payment relationship are disclosed herein. A method performed by a financial institution computing system includes registering a payee for a pull payment service; registering a payor for the pull payment service; receiving an indication of a contact or a near contact event occurring between a user device associated with the payee and a user device associated with the payor; establishing a pull payment relationship between the payee and the payor responsive to receiving the indication; and fulfilling a payment request from the payee based on the established pull payment relationship.

Abstract: A method for mediating virtual asset transmission is provided. The method comprises receiving a first information on virtual asset to be transmitted from a first user to a second user from a first virtual asset service provider (VASP) server managing virtual asset of the first user, transmitting a verification request as to whether information on the second user included in the received first information is correct to a second VASP server managing virtual asset of the second user, receiving a verification result indicating that the information on the second user is correct from the second VASP server as a response to the verification request, and transmitting the received verification result to the first VASP server. The method further comprises transmitting virtual asset update request of the second user to the second VASP server if it is determined that the transaction has been recorded in the blockchain.

Abstract: An example operation may include one or more of receiving, by a document processor node, a document comprising a document identifier (ID) and a document type, generating, by the document processor node, at least one hashed attribute for sharing of the document based on the document ID and the document type, acquiring, by the document processor node, a list of documents and corresponding document owners to be linked to the document based on the at least one hashed attribute, and creating a plurality of linked documents based on the list of the documents.

Abstract: A method and apparatus provides a blockchain that includes one or more blocks that contain a cryptographic binding of a signature-verification public key and/or a data encryption public key to the identity of the holder of the corresponding private key. The binding is performed by one or more key binding entities, referred to herein as a blockchain identity binder. Originators and recipients use the identity binding data to secure block chain transactions.

Abstract: Apparatuses, methods, and systems are disclosed for network access using blockchain payments. One apparatus includes a processor and a transceiver that receives an authentication request message for a remote unit, the authentication request message including a remote unit identifier, the remote unit identifier indicating the remote unit is requesting network access via a blockchain payment. The processor generates an address for a blockchain network indicated by the remote unit identifier for receiving the blockchain payment. The transceiver receives a blockchain payment information message from the remote unit and the processor provides network access to the remote unit in response to successfully validating the received blockchain payment information.

Abstract: A system for electronic patient care includes a gateway and a medical device. The gateway is configured to provide at least one of a routing functionality, a medical device software update, and a web service. The medical device is configured to operatively communicate with the gateway using the web service.

Abstract: Methods and systems described in this disclosure receive a call from a device associated with a caller and determine whether the caller is eligible for biometric authentication via the device by sending, via a communications network, an eligibility determination request to an issuer of the device. In response to the caller being eligible for biometric authentication, a request to initiate a biometric authentication process on the device is sent to an issuer of the device, where biometric credentials are received by the device and an indication of whether the biometric credentials were verified is received from the issuer of the device.

Abstract: The invention relates to distributed ledger technologies such as consensus-based blockchains. Computer-implemented methods for a self-replicating smart contract with termination condition are described. The invention is implemented using a blockchain network, which may be, for example, a Bitcoin blockchain. A first transaction to validate is received at a node in a blockchain network. The first transaction includes a first script that, as a result of being executed, causes the node to at least obtain a first set of field values of the first transaction, with the first set of field values including a third script, and obtain a second set of field values of a second transaction, with the second set of field values including a copy of the second script. A second transaction is obtained.

Abstract: An NFC payment method includes: displaying, by a first terminal, a third-party payment application based on a preset trigger condition; and interacting with a second terminal by using the third-party payment application, to complete NFC payment.

Abstract: Disclosed are systems and methods for determining the best time to send an electronic communication from a sender to a recipient. In one aspect, a method is disclosed that includes selecting a time window from a series of candidate time windows based on a corresponding first value for each candidate time window, wherein each first value is representative of a likelihood of receiving an event notification within a specified first delay after the candidate time window. The method further includes selecting a time period from a plurality of time periods within the selected time window based on a corresponding second value for each time period representative of the likelihood of receiving the event notification within a specified second delay after the time period. The method further includes generating a signal indicative of a time within the selected time period at which an electronic communication should be sent.

Abstract: A tape cassette includes: a case; and a cassette memory. The case accommodates therein a tape as a printing medium. The cassette memory includes: a first area; and a second area. The first area stores therein unique information specific to the tape cassette. The second area stores therein arbitrary information in an entire area thereof. The second area is set to a non-rewritable state using a first password such that the arbitrary information written therein is not rewritable. The first password is generated using a unique value which is a value of at least a part of the unique information stored in the first area and a first selection value which is an arbitrary value stored in a part of the second area specified by a predetermined rule.

Abstract: A medical system, comprising: a medical machine; and a gateway device configured to communicate with the medical machine to allow access to a network, the gateway device comprising a data allowance and limitation unit that is configured to limit communication between the medical machine and the network when the data allowance and limitation unit is in an open state, wherein the data allowance and limitation unit is placed in the open state when a plannable system event occurs, and wherein, while in the open state, the data allowance and limitation unit is placed in a closed state when an unplanned event occurs, thereby providing less limited communication between the medical machine and the network compared to the open state.

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: An authentication system for use with personal electronic identity gadgets of at least one user of services in that the personal electronic identity gadgets are configured to authenticate to a main service provider and are configured to trigger synchronization of data storages of service providers. The system has a data storage of an authentication system server component of at least one main service provider. The data storage is synchronizable with data storage(s) of server component(s) of at least one other service provider, either directly or via personal electronic identity gadgets, and the authentication system server component of the at least one main service provider is configured for mapping personal electronic identity gadgets to the account of the user of services. The system offers an authentication method that allows to recover from emergencies and/or increase the user comfort and/or increase security.

Abstract: Embodiments provide a system operatively connected with a block chain distributed network and for using the block chain distributed network for facilitating a person-to-person (P2P) alias-based resource allocation. Embodiments receive an event record associated with a P2P event between a first user and a second user. The event record comprises an alias associated with the first user and/or the second user. A distributed ledger is accessed that is updated based on communications from a block chain distributed network. An alias-to-entity mapping is retrieved from the accessed distributed ledger. The alias-to-entity mapping indicates at least an entity to which the alias is mapped. Based on the mapping the alias is determined to be at least partially valid. In some cases, embodiments determine that the alias corresponds to a resource depository number maintained by the entity in a private ledger and authorizes a resource event associated with the resource event request.

Abstract: A method including receiving an indication for a digital alert associated with a specific action for a user account of a user; generating and outputting a first message comprising a web page link; receiving an indication of a request to access the web page link by the user device; responsive to receiving the indication of the request to access the web page link, accessing, based on the indication for a digital alert, user-specific information associated with the user account from the at least one third-party device; and generating, based on the indication for a digital alert and the user-specific information, a customized user interaction-specific web page comprising the user-specific information associated with the user account and at least one user input field.

Abstract: The present specification provides a method for identifying risky vertices, including: constructing multiple medium networks, each of the multiple medium networks being constructed from one or more black seeds of the same type and including vertices and media connected to the vertices; determining a first risk value of each vertex based on a quantity of upper-layer media connected to the vertex and a quantity of risk conditions that the vertex meets; determining a final risk value of each vertex based on a quantity of overlapping times of the vertex in a stacked medium network structure and the first risk value; and determining a high-risk vertex based on the final risk value.

Abstract: Systems and methods disclosed herein securely provide confidential information associated with a user during an active voice call conducted using the user's mobile device. The confidential information may be provided by generating the information in spoken form and inserting the spoken information into an audio stream of the voice call. For example, a customer may be on a phone call with a customer agent. The customer agent may ask the customer for a credit card number in order to process a financial transaction. The customer may select the credit card number via an application executing on the customer's mobile phone. The application may cause the credit card number to be spoken out loud during the voice call. A voice sample of the spoken credit card number in inserted into the audio stream of the voice call and is therefore, audible to the customer and the customer agent without being overheard by a third party.

Abstract: The present invention relates to a system and a method for authenticating an electronic money using a smart card and a communication terminal. The present invention provides a system and a method for authenticating an electronic money, wherein the system comprises a smart card and a communication terminal. The smart card takes biometric signature from a user as an input, transmits recognition completion information to the communication terminal when the biometric signature inputted by the user matches the stored biometric signature, receives an update command from the communication terminal, updates the amount of stored balance data, and transmits an update completion message to the communication terminal. The communication terminal is connected to the smart card in a wired or wireless manner, and transmits the update command to the smart card upon receipt of the recognition completion information.

Abstract: A receipt capture tool residing on a customer mobile device may be initiated when a customer completes an in-store or online purchase. The receipt capture tool may prompt the customer to capture an image of a receipt detailing a purchase and an item (e.g., product or service) purchased. For instance, the photo of a physical receipt may be taken by the mobile device, or an electronic receipt or email detailing the purchasing transmitted from a physical merchant or online merchant server may be stored. Receipt information may be extracted and saved with other information pertinent to the item purchased, including warranty information. If the customer needs to return or repair the item purchased at a future date, the receipt and warranty information may be subsequently accessed via their mobile device. The receipt and warranty information may also be stored in a searchable database to facilitate easy retrieval by the customer.

Abstract: A system, method, and apparatus for a funds transfer is provided. A method includes receiving a fund transfer request from a user, the fund transfer request comprising a token regarding a payee and an amount of funds to transfer to the payee, wherein the user and the payee are members of different payment directories; sending the fund transfer request to a federated directory management system, wherein the federated directory management system is communicably and operatively coupled to the payment directories; receiving, by the mobile device, an identification of the payee and the payment directory associated with the payee based on the token from the federated directory management system; displaying a message indicating that the fund transfer has been completed; and performing a mobile device action, wherein the mobile device action depends on contents of the message.

Abstract: A tracking and recording system is provided for tracking and documenting personal property. Personal property, such as electronic or “IOT” devices having a communication interface, are placed in communication with a tracking system which receives information from those items of personal property and utilizes that information to verify the location and/or existence of the property. A record of the personal property may also be created which includes information which identifies the property, liens, transfers of ownership, and verifications of the location of the property. The record may comprise a block chain of information regarding the property.

Abstract: An example operation may include one or more of signing a blockchain transaction by an endorsement peer member of a blockchain, transmitting the blockchain transaction to an ordering service, identifying a blockchain transaction queue length, and receiving a signed promise from the ordering service that the blockchain transaction will be included in an identified block number based on the blockchain transaction queue length.

Abstract: A technique for integrating documents and data into a policy management system issues an event trigger from a memory system upon receipt of documents and data related to an insurance policy. An SFTP system runs software for identifying documents and data required for the insurance policy and designating access rights to the same by users and vendors and for specifying actions to be performed upon receipt of the identified documents and data. The event trigger causes the SFTP system to perform the specified actions associated with the received document or data and to push the uploaded documents and/or the results from performance of the specified actions to the users and/or vendors having access rights to the uploaded documents and/or results. The insurance policy is represented in a JSON data structure that defines the document and data management policies and an order of process tasks required for the insurance policy.

Abstract: The present disclosure provides a two-dimensional barcode generating method, a two-dimensional barcode verification method, a two-dimensional barcode verification server, and a two-dimensional barcode, and relates to the field of two-dimensional barcode. For the two-dimensional barcode provided by the present disclosure, a generic module in an existing two-dimensional barcode has been replaced by an encryption module, wherein the encryption module includes an encryption area and a first identification area. The encryption area contains an encryption identifier recorded therein for verifying the authenticity of the two-dimensional barcode, and the first identification area contains a first recognition identifier recorded therein for presenting information carried by the two-dimensional barcode.

Abstract: An electronic payment card processing system and method includes at least one host computing device having at least one processor in communication with a memory device and a multi-party payment processing system and network for processing payment card transactions. The at least one host computing device retrieves delivery data for a purchased item associated with at least one disputed charge by a cardholder of a payment card transaction that was previously approved through the multi-party payment processing system, and analyzes the retrieved delivery data to determine a basis for the at least one disputed charge including whether the at least one disputed charge is friendly fraud.

Abstract: A data transaction processing system including multiple transaction processors also includes an active transaction receiver that sequences all incoming messages from various sources to facilitate transactional determinism, as well as a results arbiter to efficiently decide which transaction processor result to choose as the correct output. The data transaction processing system minimizes overall latency by optimizing which transaction processors and results arbiters are responsive to specific client computer input requests or messages.

Abstract: Systems and methods for transferring between accounts in the absence of sensitive information needed to perform a direct transfer between accounts are described herein. In an embodiment, an intermediary system receives a request to perform a digital electronic transfer of an item from a first online account to a second online account through the intermediary system, wherein the intermediary system does not have access to the sensitive information for either the first online account or the second online account.

Abstract: An example operation may include one or more of determining data at a first node satisfies a condition, obtaining a pointer to a shared storage area for the data, controlling generation of a block including the pointer, and appending the block to a blockchain without the data, wherein the first node corresponds to first virtual node hosted by blockchain-as-a-service (Baas) provider and wherein the first virtual node receives the data from a network coupled to the Baas provider.

Abstract: Techniques are described selecting consensus nodes in a blockchain. A voting process is performed by a plurality of shareholder nodes to generate a voting result for each shareholder node. The voting process comprises each shareholder node voting for a plurality of expected nodes, and the expected nodes and the plurality of shareholder nodes comprise a group of nodes associated with a blockchain. A shareholder node is a node that owns at least one share. A voting result is verified for each shareholder node. After the voting process, a number of shares owned by each node of the group of nodes id determined based on the voting result. A plurality of consensus nodes are selected from shareholder nodes based on the number of shares owned by each of the shareholder nodes.

Abstract: A system and method for providing reputational information on users involved in transactions is detailed. The method includes evaluating fulfilment of transactions, particularly in the context of contracts, and providing a record of that on a blockchain through reputational information, which can be retrieved later. Similar reputational information for other transactions can be retrieved and linked to the same user, based on a hash of a master public key for a user. Aggregate reputational information can be computed from pieces of reputational information retrieved. The evaluation and record provision can be implemented using a deterministic finite automaton (DFA). For each user involved in each contract, the DFA not only configures and allows for implementation of the contract, but also considers the extent of fulfilment of the contract's terms. The DFA generates reputational information in relation to each user in each contract, and this reputational information is published to and stored on the blockchain.

Abstract: There is provided a content output system, a terminal device, a content output method, and a recording medium which can increase accuracy in measurement of a degree of attention to content. A content output system including a communication unit which receives a signal from a surrounding user device, an output unit which outputs content, and a control unit which determines, on the basis of user state data indicating a state of a user corresponding to a user device, which is included in a broadcast signal from the user device, that the user corresponding to the user device is paying attention to content output by the output unit when a radio wave intensity of the received signal is equal to or higher than a predetermined value.

Abstract: Disclosed herein are methods, systems, and apparatus, including computer programs encoded on computer storage media, for managing transaction requests in ledger systems.

Abstract: A data information transaction method and system including receiving a query request that is sent by a terminal of a data requester and carries a query condition and a user characteristic identifier of a digital human that needs to meet the query condition, determining user characteristic information that is of a digital human and corresponding to the query condition and the user characteristic identifier, obtaining a query result, sending the query result to the terminal of the data requester, receiving a purchase request sent by the terminal of the data requester, and completing a transaction according to the purchase request.

Abstract: In some examples, a system determines a dependency among a plurality of anomaly detectors, the determining comprising clustering anomaly detectors of the plurality of anomaly detectors into clusters of anomaly detectors. The system aggregates anomaly scores produced by anomaly detectors in a first cluster of anomaly detectors, to generate a first aggregate anomaly score, and detects an anomaly using the first aggregate anomaly score.

Abstract: The described financial institution computing system provides services to customers through an application programming interface (“API”). The services include user identification services to customers and payment services that allow users to pay the customers via the financial institution. The user identification services allow the customers to verify the identity of users as non-fraudulent users. Further the user identification services allow the financial institution to provide known user information to the customers for purposes of prepopulating registration forms, completing transactions, and the like. Further services, such as user account validation services, payment services, and the like are also possible through the financial institution APIs. In some situations, users are registered with the financial institution. For example, a user may also be an account holder with the financial institution. In other situations, the users are not registered with the financial institution.

Abstract: Detecting compromised devices and user accounts within an online service via multi-signal analysis allows for fewer false positives and thus a more accurate allocation of computing resources and human analyst resources. Individual scopes of analysis, related to devices, accounts, or processes are specified and multiple behaviors over a period of time are analyzed to detect persistent (and slow acting) threats as well as brute force (and fast acting) threats. Analysts are alerted to individually affected scopes suspected of being compromised and may address them accordingly.

Abstract: There are provided systems and methods for software development kits for point-of-sale device and mobile device interactive frameworks. A service provider, such as a payment provider, that offers online and cloud based digital wallet services may configure flexible software frameworks for a merchant's point-of-sale device and a user's mobile device. A framework for a merchant's device may allow for user check-in with the merchant, and may utilize multiple different communication protocols to receive tenders and non-tenders from the user's mobile device. Thus, the user's mobile device may communicate with the merchant device to provide tokens that may be resolved by the merchant using the payment provider and/or a payment host to receive payment processing confirmation. Moreover, the frameworks may allow for a transaction to be synchronized to the user's mobile device so that the user may receive updates after processing of the tokens.

Abstract: The present disclosure presents a method for a card based transaction between a mobile terminal and a service provider system having one or several computer servers. The mobile terminal obtains a CSC from credit card/debit card. The mobile terminal obtains a data seed. The mobile terminal applies a minimal perfect hash function to the CSC as well as the data seed to generate a temporary CSC. The mobile terminal initiates a card based transaction with the service provider system utilizing the generated temporary CSC. The service provider system obtains the temporary CSC and applies a same minimal perfect hash function to the temporary CSC until a match is found between the obtained temporary CSC and one CSC stored at the service provider system. In response to a match the service provider system continues the initiated card based transaction with the mobile terminal.