310results 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.

A computer system includes a database, a communication interface, and a processor(s). The processor(s) is programmed to receive a consent message from a cardholder computing device. The consent message includes cardholder consent information indicating consent to one or more data services. The processor(s) is also programmed to receive transaction card details from the cardholder computing device. The transaction card details correspond to a transaction card of a cardholder and are associated with a financial account of the cardholder. Based on the transaction card details, the processor(s) generates a digital access token. The digital access token is associated with the financial account and the cardholder consent information. The processor(s) stores the digital access token in the database, transmits a cardholder authentication request message to an issuer, and receives an authentication ID from the cardholder computing device. The processor(s) authenticates the cardholder and transmits the digital access token to a third party provider.

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.

Embodiments provide methods and systems for assigning privacy labels to payment transactions. The method performed by a system includes receiving user input for masking a subset of data fields of a plurality of data fields in transaction data of the payment transaction performed within a pre-defined time period of occurrence of the payment transaction. The method includes assigning a mask label to the subset of data fields in the transaction data. Upon receiving a transaction insight request for the payment transaction from a third party server, the method includes determining whether the mask label is assigned to the subset of data fields. The method includes generating masked transaction data for the payment transaction based, at least in part, on masking the subset of data fields associated with the payment transaction in the transaction data. The method includes facilitating the transfer of the masked transaction data to the third party server.

A method and apparatus for performing privacy preserving fraud detection in network based transactions are described. The method may include receiving a fraud detection message during a transaction between a user system and a merchant system, the message having a set of cryptographically transformed universal resource locator (URL) components generated from a URL of a web page of the merchant system on which the transaction is to occur. The method may also include generating one or more secure and anonymous fraud detection features, each fraud detection feature comprising a select subset of the cryptographically transformed URL components. The method may also include performing fraud detection for the web page using the one or more secure and anonymous fraud detection features to determine a likelihood that fraud is occurring in 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 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.

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.

Disclosed are a digital currency transaction method, apparatus and electronic device, and a computer-readable medium. The method includes: receiving a transaction request, and acquiring feature negotiation information from a hardware carrier of the digital currency wallet; determining a transaction type on a basis of the feature negotiation information; acquiring a deduction amount corresponding to the transaction request, and generating an interoperability-based transaction request on a basis of the deduction amount and the feature negotiation information in response to determining that the transaction type is an interoperability-based transaction; sending the interoperability-based transaction request to an interoperability platform, so as to invoke a corresponding operator interface by means of the interoperability platform to send the interoperability-based transaction request to a corresponding digital currency operator; and receiving deduction information generated after the digital currency operator executes deduction on a basis of the interoperability-based transaction request, and outputting the deduction information.

Provided is a system, method, and computer program product for determining a pseudo-identity score in a virtual environment based on a blockchain network. The system includes at least one processor programmed or configured to identify a pseudo-identity in a virtual environment based on a blockchain address on a blockchain network, the pseudo-identity corresponding to the blockchain address, determine an age of the pseudo-identity, determine a measure of activity of the pseudo-identity based on transactions conducted by the pseudo-identity in the virtual environment, determine a pseudo-identity score based at least partially on the age of the pseudo-identity and the measure of activity of the pseudo-identity, and process a request generated by the pseudo-identity in the virtual environment based on the pseudo-identity score.

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.

In a method, account credentials can be securely transmitted. A user device and application can initially select an account, and then obtain a transaction identifier associated with the account. The user device can provide the transaction identifier to a resource provider, which can then directly exchange the transaction identifier for the account credentials.

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).

An electronically networked mediated anonymous negotiation system and method are provided. A seller-side communication console has a transaction panel adapted to bidirectionally communicate product offer data with a moderator-side transaction management panel. A seller-side acceptance feature is configured to transmit to the moderator-side transaction management panel a manifestation of assent to the product offer. A buyer-side communication console is similarly equipped. A moderator-side mediation console has a transaction management panel adapted to bidirectionally communicate product offer data with the seller-side transaction panel, and to bidirectionally communicate product offer data with the buyer-side transaction panel. A multilateral chat feature is in bidirectional data communication with a seller-side chat panel, and in bidirectional communication with a buyer-side chat panel.

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.

The invention relates to a data transaction security and privacy protection method based on a zero-knowledge proof smart contract. The method comprises the following steps: initializing block chain parameters; the seller and the purchaser register privacy identities with the credible supervision mechanism; a seller generates an ownership relationship of data to be sold and a zero-knowledge proof of a data ownership proof contract, links {alpha, # imgabs0 # T1, sign1}, and obtains an address on the link; the seller generates a zero-knowledge proof for preventing the machinability attack contract, verifies the zero-knowledge proof according to the uplink information, and releases information of the data to be sold after the zero-knowledge proof passes the verification; the method comprises the following steps: a purchaser requests purchase data from a seller, the purchaser generates a zero-knowledge proof of a data ownership privacy transfer proof contract according to a new ownership relationship calculated by the seller, verifies the zero-knowledge proof, obtains a ciphertext storage address of the purchase data, and links {alpha, # imgabs1 # T2, AddrMnew, add and sign2}. The method has better security and privacy characteristics.

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 example operation includes one or more of: determining, by a charging station, that a vehicle requests approval to receive a charge; accessing, by the charging station, personal information related to the vehicle and related to an occupant of the vehicle; analyzing, by the charging station, the personal information related to the vehicle and related to the occupant of the vehicle; determining, by the charging station, to grant the approval, based on the analyzing; and, responsive to the approval being granted, deleting, by the charging station, the accessed personal information related to the vehicle and related to the occupant of the vehicle, after the vehicle has received the charge.

Partitioning data across shared permissioned database storage for multiparty data reconciliation. A system includes an execution platform comprising a plurality of processing nodes and a shared permissioned ledger comprising a plurality of ledger instances, wherein each of the plurality of ledger instances is assigned to one client of a plurality of clients, and wherein storage resources on the shared permissioned ledger are independently scalable from the plurality of processing nodes on the execution platform. The system includes a resource manager in communication with each of the execution platform and the shared permissioned ledger, wherein the resource manager comprises a data ingestion engine.

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.