200results about "Anonymous user systems" patented technology

A computer may generate a temporary digital wallet containing one or more anonymous payment tokens and transmit the temporary digital wallet to a user device of a user. When the user provides an anonymous payment token of the one or more anonymous payment tokens to a point of sale (POS) system, the computer may receive from the POS system or other systems connected thereto, a request to authorize payment for the anonymous payment token. The request to authorize payment may also include an amount to be paid by the user to the POS system. Using the anonymous payment token, the computer may retrieve a user account and determine that the user account has sufficient funds for the transaction. Based upon the determination that the user account has sufficient funds, the computer may transmit an authorization confirmation back to the POS system or any other system that the authorization request originated from.

Systems and methods are disclosed for secure online transaction. The method includes receiving a plurality of transaction data associated with an authenticated registered user from a point of sale (POS) terminal. The plurality of transaction data is processed to identify sensitive information. The sensitive information is substituted with cryptographically generated tokens at a reader head of the POS terminal, wherein the tokens are randomly generated numbers, randomly generated character sequences, pseudorandom numbers, or a combination thereof. The cryptographically generated tokens are encrypted, via an encryption protocol, to generate encrypted tokens at the reader head of the POS terminal. The encrypted tokens are transmitted to one or more processing servers for data aggregation and payment settlement.

The present invention relates to a privacy-preserving EV charging authorization and billing system, and a method for the same. The proposed system is configured to integrate permissioned blockchain with fully homomorphic encryption. The present invention aims to eliminate plaintext exposure mitigates single point of failure, by performing all authorization and billing computations on encrypted data and recoding transactions immutably, wherein an EV user securely generates encrypted authorization and billing requests using FHE-based public keys. The charging station routes these encrypted requests to the blockchain network, which records immutable encrypted transactions and verifies them via consensus. The FHE computation layer performs secure operations on the encrypted data for authorization and billing, while smart contracts execute automated verification and billing computations, ensuring transparency and auditability.

A method for compliance with Know Your Customer (KYC) and other regulations includes a pseudonymous globally unique identifier stored on a blockchain that associates a pseudonymous first party address with a globally unique identifier representing the vetted identity of the owner of the address. The method also includes a trusted third party issuing a verifiable credential for a first pseudonymous party to a proposed transaction to a second pseudonymous party to the transaction.

A method and server for processing transactions between clients of a subscriber entity and a non-subscriber entity are provided. The method comprises: receiving, from a sender entity server, a request for a transaction between the sender entity and a client of a recipient entity; in response to the recipient entity being the non-subscriber entity; transmitting a first portion of the client's ID to a first anonymizing entity server for generating a first anonymized portion; transmitting a second portion of the client's ID to a second anonymizing entity server for generating a second anonymized portion; combining the first and second portions, thereby generating the client's anonymized ID; determining, based on the client's anonymized ID, a client's evaluation score of the client of the recipient entity; and in response to the client's evaluation score being greater than a predetermined threshold, allowing the request for the transaction between the sender and recipient entities.

The invention provides a financial fraud detection method and device based on a graph neural network, equipment and a medium, and is applied to the technical field of financial fraud detection, a dynamic heterogeneous graph is constructed by integrating account multi-dimensional attributes and user transaction behavior data, a hidden fraud mode in a complex transaction network is deeply mined by using the graph neural network, and the financial fraud detection efficiency is improved. Model training under privacy protection is realized in combination with differential privacy and gradient confusion technologies, in addition, a dynamic iteration mechanism can update a fraud feature library in real time, the accuracy and adaptability of financial fraud identification are effectively improved, and the user experience is improved while the user data security is ensured. The method provides a comprehensive, efficient and safe fraud risk management and control solution for financial institutions, is expected to play an important role in practical application, and makes an important contribution to the stability and safety of a financial system.

The invention relates to the technical field of offshore trade platform data analysis methods, and discloses an offshore trade platform data analysis method and system based on a block chain, and the method comprises the steps: constructing a distributed network based on the block chain, encrypting key data in an offshore trade process, uploading the key data to a chain for storage, constructing a data analysis model on the chain, and analyzing the data in the chain. By processing and analyzing the uplink data, decision support such as risk assessment, market prediction and credit rating is provided for the user. According to the method, the security and reliability of the offshore trade data are effectively improved by using the decentralization and tamper-resistant characteristics of the block chain, transparent sharing and efficient collaboration of the data are realized through an intelligent contract and a consensus mechanism, the overall efficiency and competitiveness of the offshore trade are improved, and the healthy development of the international trade is promoted.

A system for locally authenticating a transaction of digital financial assets, such as cryptocurrency. A first device may locally store financial assets in non- volatile memory of the first device. The first device may use the locally-stored financial assets to conduct a local transaction with a second device. The first device may generate a transaction settlement data token and exchange the token with the second device, wherein the transaction settlement data token includes information specific to the local transaction, a value associated with the local transaction, and encrypted personal information associated with the first device. After receiving a confirmation of transmission from the second device, the value associated with the local transaction may be debited from the locally-stored financial assets.

Ethical data tracker systems and methods are disclosed. A payment network computer receives a token request from an application running on a client device. The token request includes user contact information and a merchant identifier. A token server computer generates a token associated with the merchant identifier. The payment network computer maps the token to the user contact information and the merchant identifier, stores the token, the user contact information, and the merchant identifier in a database, and determines a validation of a mapping in the database of a token and a merchant identifier received from a network service provider. The payment network computer authorizes or prohibits the network service provider to communicate with the account holder via the user contact information based on the determining of the validation of the mapping in the database of the token and the merchant identifier received from the network service provider.

Systems and methods for enabling secure and efficient interoperability between multiple blockchains, particularly for Central Bank Digital Currency (CBDC) issuance and transfer are described. This architecture allows independent blockchains, each managed by different financial institutions or authorities, to exchange digital assets using a unified cross-chain protocol. Key features include smart contracts for locking, minting, unlocking, and burning digital tokens, relayer subroutines for message transfer, and observer nodes for real-time monitoring and reconciliation. Multi-signature wallets ensure that critical actions require approval from multiple parties, enhancing security and compliance. The system supports both reversible and irreversible cross-chain transfers, dynamic load management, and upgradable smart contracts.

A method for conveying auditable information regarding provenance of a product that is cryptographically accurate while retaining complete anonymity of product and participant on a blockchain includes: receiving a product identifier; generating a digital token by applying a hashing algorithm to the product identifier; generating an entry value by applying the hashing algorithm to a combination of an event identifier and the digital token; generating a digital signature by digitally signing a data package using a private key of a cryptographic key pair, where the data package includes at least a blockchain address, the event identifier, and the digital token; and transmitting the blockchain address, the digital signature, and the entry value to a node in a blockchain network.

The invention advantageously provides a system for the verification a user's identity and qualifications and authentication of credentials associated with a user's digital identity on a trust network (where service providers involved in a transaction may be independent parties operating with limited trust), in which a pseudonymized transaction record may be created for that digital identity and stored in a shared ledger; identifying information for a user may be retained in a custodial escrow account for that user; and transactions may be re-correlated with identifying information for authorized third parties under established "due process" rules that are appropriate for the applicable jurisdiction(s).

According to one embodiment, a method, computer system, and computer program product for conducting offline payments is provided. The embodiment may include adding funds from a funding source to an initial token using a commitment scheme. The embodiment may also include producing a proof that a value of a new token is equal to a value of the initial token. The embodiment may further include producing a signature for the new token. The embodiment may also include executing a transaction based on the initial token, the new token, the proof, and the signature. The embodiment may further include in response to executing the transaction, deleting the initial token.

The disclosed systems and techniques discussed herein include a client device that offers a service to a customer in exchange for approval by customer to transfer customer data to a merchant system. The client device initiates a session with a merchant system to receive the customer data from a bank system and requests approval from the customer to transfer the customer data. By presenting a contactless card to the client device, the contactless card passes a message to the client device and the client device communicates the message with the bank system to validate the contactless card. After validation of the contactless card, the bank system communicates the customer data to the merchant system via a switchboard network to establish the service for the customer.

A system for monitoring shopping carts uses cameras to generate images of the carts moving in a store. In some implementations, cameras may additionally or alternatively be mounted to the shopping carts and configured to image cart contents. The system may use the collected image data, and / or other types of sensor data (such as the store location at which an item was added to the basket), to classify items detected in the shopping carts. For example, a trained machine learning model may classify item in a cart as “non-merchandise,”“high theft risk merchandise,”“electronics merchandise,” etc. When a shopping cart approaches a store exit without any indication of an associated payment transaction, the system may use the associated item classification data, optionally in combination with other data such as cart path data, to determine whether to execute an anti-theft action, such as locking a cart wheel or activating a store alarm. The system may also compare the classifications of cart contents to payment transaction records (or summaries thereof) to, e.g., detect underpayment events.

Systems and methods for anonymizing user data are described herein. A system for anonymizing user data includes a user device. The user device includes a network interface coupled to a processing circuit structured to display a mobile application graphical user interface depicting a field for a log-in credential. The processing circuit is further structured to receive a log-in credential of a user and cross-reference the received log-in credential to authenticate the user. The processing circuit is further configured to generate a unique value void of personally identifiable information regarding the user, determine a current location of the user, and associate the unique value with the current location to create a data packet. The processing circuit further configured to transmit the data packet to the provider computing system to quantify a number of users in a predefined area.

The invention relates to the field of electric power bidding transactions, and provides a power grid privacy enhancement transaction secret state matching method and system based on sequence uncovering encryption. The method comprises the following steps: an electricity seller uploads electricity selling information to a matching party; the electricity buyer screens a target electricity seller according to a preset condition and encrypts the bidding amount to obtain an encryption result of the bidding amount; generating a bidding ciphertext according to the encryption result of the bidding amount and the identity commitment; sending the bidding ciphertext to a matching party; the matching party divides the transaction list into a plurality of ciphertext blocks, randomly selects a transaction as a reference transaction in each ciphertext block, and performs secret state comparison on each transaction and the reference transaction according to the bidding ciphertext to obtain a sorting result; selecting the transaction with the maximum bidding amount according to the sorting result, and determining the transaction as the final transaction amount; and the matching party signs the identity commitment of the electricity buyer by using the private key of the matching party to obtain a signature value, so that the electricity buyer performs offline transaction with the seller according to the signature value.

An information transaction method of the present disclosure includes an information providing phase of providing, by an information provider, information requested by an information user via a distributed ledger of authentication server devices. In the information providing phase, an information provider terminal acquires first transaction data including an information user ID, an information provider ID, and a second information index indicating an index of first information requested by the information user among information items indicated by the first information index published in the distributed ledger, the first transaction data being written in the distributed ledger. The information provider terminal generates first encrypted information by encrypting the first information designated by the second information index, generates second transaction data including the information provider ID, the information user ID, and the first encrypted information, and transmits the second transaction data to an authentication server device.

A system and method for generating, issuing, and recording value transactions in a peer-to-peer data exchange based on a proof-of-data blockchain. The system enables users to open datastores and receive value, with value transactions recorded on the proof-of-data blockchain. Recorders of value compete to obtain blockchain recording rights by issuing value to users who achieve the highest proof-of-data scores. The system supports recording blocks of variable size to enhance scalability and efficiency

The present invention relates to a computer-implemented method for distributed data management on user devices, the method including receiving a query for data from a central server, determining that data stored on the user device satisfies at least one condition of the query, determining a previously generated public key generated by the user device using data stored by the user device, where the data stored by the user device includes a data envelope containing the data and the previously generated public key, the data envelope being signed by an external entity, signing the data envelope using a private key that forms a key pair with the previously generated public key, and responding to the query with the signed data envelope.

A method for facilitating secure private transfers in a blockchain includes: receiving an initiate message from a device for a proposed private transfer including a private group identifier, entity identifier, and transfer amount; executing a smart contract using the initiate message as input resulting in transmitting an event message to a central authority system including the entity identifier and transfer amount; receiving a response message from the central authority system including an indication of approval or rejection of the proposed private transfer; and executing the smart contract using the response message as input resulting in (i) adding a private blockchain transaction for transfer of the transfer amount from a first blockchain wallet associated with the entity identifier to a second blockchain wallet in a private group associated with the private group identifier if the response message includes an indication of approval, or (ii) declining the proposed private transfer.

The invention provides a privacy protection block chain-based supervision method, device, equipment and medium, and the method comprises the steps that a user sends a supervised transaction comprising an anonymous transaction, a Walsh commitment of a payment amount and a zero-knowledge proof of commitment validity to a consensus node; and after receiving the supervised transaction, the miner verifies the validity of the supervised transaction, groups and aggregates the Walsh commitments of all payment amounts, and seals the aggregation result and the valid anonymous transaction into a block, and the miner is used for sealing the anonymous transaction in the consensus node. And the supervisor determines suspicious users based on the aggregation result in the last block in the supervision period, and sends a report to a supervisor. And the supervisor discloses the public key of the suspicious user based on the report and requires the suspicious user to submit the total payment amount. And the supervisor updates the limit of the next period of the suspicious user based on a multi-period dynamic limit scoring algorithm and the total payment amount submitted by the suspicious user. Therefore, illegal transactions can be supervised while privacy of legal transactions is protected.

This application relates to an anonymous reporting and transaction modification method based on an editable blockchain architecture. The blockchain comprises user nodes, management nodes, supervisor nodes, and secretary nodes. The editable blockchain operates through a query phase, an anonymous review phase, and a data modification phase, enabling transaction query, transaction reporting, and post-report modification. This application implements an editable blockchain solution that supports multi-party constraints and anonymity, while enabling reporters to balance anonymity and declarativeness, while avoiding the single point of failure inherent in centralized databases.

The invention provides a user privacy protection method and system for bus payment, and relates to the technical field of information security protection, and the method comprises the following steps: a user sends an anonymous two-dimensional code account application request to a bus taking code APP through a user side, generating corresponding anonymous assembled message data at a user side, and sending the anonymous assembled message data to a privacy protection background for analysis; the privacy protection background receives and analyzes the anonymous assembled message data and sends response data of the privacy protection background to the riding code APP, and the riding code APP requests a code platform and completes opening of an anonymous two-dimensional code account; the user uses the anonymous two-dimensional code account, the anonymous wallet account and the recharging request to generate a corresponding message response privacy set and then completes anonymous code scanning and recharging service for the anonymous wallet account; the payment behavior of the normal user does not leak the specific identity of the user.

Various systems and methods of anonymously conducting a secured payment transaction between a consumer and a merchant are disclosed. The methods can be carried out at a transaction code computer in communication with an alias directory. According to the method a transaction code computer receives a request for a dynamic transaction code from a merchant computer. The request includes a merchant alias identifier. The transaction code computer queries an alias directory storing merchant information details. The transaction code computer validates the merchant with the alias directory based on the merchant alias identifier. The transaction code computer generates the dynamic transaction code and transmits a response to the request for the dynamic transaction code to the merchant computer.

A computer-implemented system includes a treatment apparatus configured to be manipulated by a patient while performing a treatment plan and a server computing device configured to execute an artificial intelligence engine to generate the treatment plan and a billing sequence associated with the treatment plan. The server computing device receives information pertaining to the patient, generates, based on the information, the treatment plan including instructions for the patient to follow, and receives a set of billing procedures associated with the instructions. The set of billing procedures includes rules pertaining to billing codes, timing, constraints, or some combination thereof. The server computing device generates, based on the set of billing procedures, the billing sequence for at least a portion of the instructions. The billing sequence is tailored according to a certain parameter. The server computing device transmits the treatment plan and the billing sequence to a computing device.

The embodiment of the present application provides a data processing method, device, equipment and computer storage medium, wherein the method includes: sending a data acquisition request to a data node; receiving target data and an operation account book returned by the data node, wherein the target data is data generated by performing a preprocessing operation on the source data, and the operation account book is used to record the operation information of the preprocessing operation; using the operation account book to audit and verify the target data; if the target data passes the audit and verification, the target data is added to the aggregate data set. The embodiment of the present application can improve the security of the data processing process.

The invention discloses a notarist mechanism-based exchange rate dynamic adjustable cross-chain method and a blockchain cross-chain system, and the method comprises the steps: enabling a transaction sender to exchange funds into cross-chain tokens at an asset manager at first when cross-chain initiation is carried out; and then the cross-chain token is transferred to a target chain in a cross-chain manner by using a Hash time lock contract through the assistance of a notary group. According to the invention, a traditional notarist-based cross-chain mechanism is improved, a new role-fund manager is introduced, and the exchange rate is endowed with a dynamic adjustment capability, so that external market changes can be dealt with in time; meanwhile, a chameleon hash function is used in the scheme, and under the condition that at least one honesty node exists in a payment path, the payment relationship between two transaction parties can be perfectly hidden, so that the relationship privacy of the user is well protected.

A computer system includes a database, a communication interface, and a processor. The processor is programmed to receive a request message from an issuer computing device. The consent message includes a client ID and encrypted transaction card details for a transaction card account. The processor is also programmed to decrypt transaction card details. The processor is also programmed to match the client ID to the transaction card details using a BIN mapping table stored in the database. Based on the mapping, the processor generates an issuer access token. The issuer access token is associated with the transaction card account. The processor stores the issuer access token in the database and transmits the token to the issuer computing device.