954results about "Electronic credentials" patented technology

The present invention generally relates to the use of stable value digital assets and / or fiat-backed digital assets as cryptocurrencies that can be linked to other digital assets using blockchain technology and / or through a peer-to-peer network. In embodiments, the present invention relates to specific applications of fiat-backed digital assets and / or stable value digital asset tokens tied to a peer-to-peer network, such as a blockchain network.

The invention discloses an energy storage transaction and carbon credit management system and method based on a block chain, and relates to the technical field of block chains, and the system comprises four modules: a dynamic carbon factor accounting module obtains data in real time, calculates the carbon emission reduction amount, and generates a carbon credit value; the heterogeneous cross-chain interoperation transaction module is connected with an energy chain and a carbon chain, and binds carbon credit and transaction records; the multi-target reinforcement learning energy storage scheduling optimization module is combined with a multi-target deep network algorithm to generate a strategy and a proportion; the enhanced carbon account module stores data and generates a voucher. The system has the advantages that data are acquired in real time through the dynamic carbon factor accounting module, the equivalent carbon emission reduction amount is calculated, the dynamic carbon credit value is generated, the problem of carbon credit calculation lag is solved, and accurate calculation and timely issuing of the carbon credit are realized; and meanwhile, by utilizing a hash time lock and a zero-knowledge proof verification mechanism of the heterogeneous cross-chain interoperation transaction module, the carbon credit is bound with the transaction record, and the energy chain and the carbon chain are connected, so that the mobility of the transaction and the integration of carbon emission reduction are improved.

A mobile device with a first transceiver, a second transceiver, one or more processors, and memory bridges communications between an offline retail machine with a short-range communication capability and a remote server by obtaining via the first transceiver a single-use request code from an information packet broadcast by the offline retail machine; transmitting via the second transceiver the single-use request code to a remote server; obtaining via the second transceiver from the remote server a grant token including the single-use request code; detecting a trigger condition for initiating provision of a product or service by the offline retail machine; and in response to detecting the trigger condition, initiating performance of the provision of the product or service by transmitting the grant token to the offline retail machine via the first transceiver.

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.

Various embodiments described herein relate to systems, methods, and non-transitory computer-readable media structured to perform server-to-device secure data exchange using a device access token. In an embodiment, a smart device receives, from a requestor entity provided to the smart device, an account data provisioning request for an account. Based on the account data provisioning request, an account identifier for the account is determined. In some arrangements, the account identifier comprises or is associated with a device access token. Based on the device access token, a data element associated with the account is determined. In some embodiments, the data element is accessible to the requestor entity only if it is not access-restricted based on the device access token. Based on the data element, an executable graphic rendering instruction is generated. The executable graphic rendering instruction is executed, which includes generating and displaying, on a user interface of the smart device, a dynamic account status indicator relating to the account.

There are provided systems and methods for multi-token application functionality for wider availability of digital token processing. A user may engage in a transaction with another user, such as a purchase of goods, services, or other items a merchant using a digital wallet, such as through a software application. An online transaction processor may provide a digital account for payment processing, which may include processing through mobile user devices at physical merchant locations using digital tokens and contactless payment terminals. To provide multi-token functionality, an application on a user device may be setup using a software development kit to utilize multiple different digital tokens with different token processor networks. When interacting with a POS device or payment terminal, the application may make each token available with preferences for use so that a primary preferred token may be identified but a fallback token may be used if needed.

Systems and methods are provided to enable a user to conduct a transaction using their credentials stored on a secure server computer (e.g., a computer associated with a partner such as another merchant) by merely presenting their authentication data at a physical location via an auxiliary device. An auxiliary device may be provided for interfacing with a partner's backend server (e.g., the secure server computer). In some embodiments, biometric authentication may provide a mechanism for a true seamless and potentially frictionless (in the case of modalities that do not require physical contact) interaction. Payment can occur without any need for a card, phone, wearable, or any other user device as long as the auxiliary device is able to recognize the user and retrieve a credential that can be linked to that user.

A mobile consumer device with a display, processor(s), and memory: identifies a merchant device in proximity to the consumer device based on broadcasted information transmitted by the first merchant device, the broadcasted information including a first identifier corresponding to the first merchant device; transmits the first identifier to a server and receives from the server an electronic communication including identification and transaction information associated with the merchant; displays the identification information, receives user selection of the merchant identification information; and in response, displays the merchant transaction information, receives supplemental user information, and transmits the supplemental transaction information to the server for completion of the transaction.

Disclosed are systems and methods for tool activation and display cabinet locking. In one aspect, a method for activating a product is performed at the product. The product includes a power supply, a controller, a persistent memory coupled to the controller, and a radio module. The product is configured to be operable in a plurality of states, and a state of the product is in an inactivated state. The method includes receiving via the radio module an activation message and an authorization token. The method includes attempting to validate the authorization token based on a preset authorization information and the state of the product. The method includes, (i) when the validation is not successful, rejecting the activation message without changing the state of the product; and (ii) when the validation is successful, changing the state of the product from the inactivated state to an activated state.

The present disclosure describes a machine learning model trained to identify social engineering attacks. A prompt may be provided to a generative artificial intelligence to create communications resembling social engineering attacks. The communications may be inputted into a machine learning model to train the machine learning model to identify social engineering attacks. The machine learning model may also be trained on actual social engineering attacks. Once trained, the machine learning model may be deployed to monitor a plurality of communication channels to detect social engineering attacks. Upon detecting a social engineering attack, a system may implement one or more remedial actions to mitigate the detected social engineering attack.

Methods and systems are presented for providing a framework for facilitating electronic transactions by dynamically managing and sharing user data with multiple online platforms. As a user accesses one or more online platforms, a connect system that is integrated with the online platforms interacts with the user and obtain, from the user, user data that is usable for completing transactions between the user and the online platforms. The user data is stored in a user profile associated with the user and linked to an identifier of the user. When the user subsequently accesses an online platform, the connect system authenticates the user based on an identifier associated with the user, and share at least a portion of the user data stored in the user profile with the online platform to facilitate a transaction between the user and the online platform.

A server computer may receive an authentication data packet including authentication data from a relying party computer in communication with an authenticator associated with a user device. The server computer may verify the authentication data in the authentication data packet. The server computer may store the authentication data packet in a database. The server computer may transmit to an authorizing entity computer, a data packet including data relating to the verification of the authentication data.

A system, apparatus, method, and machine-readable medium are described for speculative attestation conveyance, such as over an out-of-band channel. For example, one embodiment of a method comprises: associating a credential provider with a credential provider instance, the credential provider instance to generate credentials for authenticating a user to relying parties from a client device; associating a new credential with the credential provider instance, the new credential having a public portion and a non-public portion; transmitting over an out-of-band communication channel, a request for an identifying attestation to a plurality of trusted credential provider servers, the request including an identifier based on the new credential or the public portion of the new credential; receiving from a trusted credential provider server of the plurality of trusted credential provider servers the identifying attestation; attempting to validate the identifying attestation; and using or storing the identifying attestation when validated.

The invention discloses an electric power AI digital virtual business system, which relates to the technical field of electric power business systems and comprises a data layer, an application service layer and a safety guarantee layer. The data layer comprises a data acquisition module and a data processing module, the data acquisition module is used for collecting customer data, power business data and external data in real time and providing basic data for subsequent data processing and analysis, and the data processing module is used for sorting, storing and preliminarily analyzing the collected original data. According to the invention, the virtual business hall is constructed by means of VR / AR technology, real-time guidance of a virtual guider is cooperated, and natural dialogue interaction is realized in combination with the intelligent interaction module, so that the business handling process is more intuitive, the sense of participation of customers is improved, the customers do not need to go to an entity business hall and handle businesses and consult questions anytime and anywhere through various terminals, and the business handling efficiency is improved. For example, a one-key electricity handling module can be used to complete a complex electricity handling process at home, so that time and energy are greatly saved, and service accessibility is improved.

Disclosed are various embodiments for relationship verification using digital identities. A computing device can receive a request to link a first user profile with a second user profile, the request including at least a first user decentralized identifier (first user DID) associated with the first user profile and a second user decentralized identifier (second user DID) associated with the second user profile. Next, the computing device can obtain a verifiable credential (VC) claiming a relationship between the first user DID and the second user DID and verify the relationship between the first user DID and the second user DID based at least in part on the VC. Then, the computing device can link the first user profile and the second user profile.

An apparatus, computer-readable medium, and computer-implemented method to facilitate scalable compliance and issuer governance of decentralized financial transactions especially for the trade and transfer of tokenized securities. The resulting Compliance Aware Tokens contain the rulesets to restrict transactions and facilitate regulatory reporting and oversight. The embodied process, includes of a novel combination of compliance workflows, attribute verification tools, smart contracts and other ledger controls, provides a decentralized Attribute Based Access Control (ABAC) capability. ABAC patterns are extended to govern global financial transactions without the need for an active intermediary.

Disclosed are systems and methods for tool activation and display cabinet locking. In one aspect, a method for activating a product is performed at the product. The product includes a power supply, a controller, a persistent memory coupled to the controller, and a radio module. The product is configured to be operable in a plurality of states, and a state of the product is in an inactivated state. The method includes receiving via the radio module an activation message and an authorization token. The method includes attempting to validate the authorization token based on a preset authorization information and the state of the product. The method includes, (i) when the validation is not successful, rejecting the activation message without changing the state of the product; and (ii) when the validation is successful, changing the state of the product from the inactivated state to an activated state.

Systems, methods, and devices for backup and recovery of crypto wallets. A crypto wallet may interoperate with multiple removable authentication devices which may operate in concert to restore access to the crypto wallet in the event that a PIN and / or a seed value of the crypto wallet is lost or forgotten. By implementing multiple removable authentication devices, two-person (or greater) integrity (TPI) is implemented to ameliorate theft risk by requiring multiple devices to be operated in concert by different users who know the different PINs of the different removable authentication devices in order to recover access to the crypto wallet.

The present embodiments include a system and method for provisioning, storing, and deriving a cryptocurrency wallet. The system includes a card, a user device, an administrator processor, and a server. The method includes generating a private key and a public key over a user datum, encrypting the keys over a key-encryption-key (KEK), and transmitting the keys to a card. The keys can be optionally stored on a server in encrypted form. Alternatively, the keys can be derived from the user datum if the user has lost them.

A method may include receiving, via an interface respective of a third party, a first request respective of a user to access a payment application, prompting the user, in response to the first request, to provide user credentials, receiving, from the user, user credentials, processing, via a first set of modules, the user credentials to determine a validity of the user credentials, in response to determining that the user credentials are valid, retrieving transaction details from the third party, the transaction details comprising a profile of the third party and a profile of a subject of the transaction, processing, via a second set of modules, the transaction details to determine a validity of the transaction details, and in response to determining that the transaction details are valid, transmitting an approval of the user to the third party.

A processing unit and a mobile identity information controlled financial account device may communicate. The processing unit receives at least one digital representation of a biometric, obtains identity information using the at least one digital representation of the biometric, and determines whether or not to transmit an authorization signal to the mobile identity information controlled financial account device that enables use of the mobile identity information controlled financial account device in at least one transaction involving at least one financial account. The mobile identity information controlled financial account device may be usable for the at least one transaction when the mobile identity information controlled financial account device receives the authorization signal. The processing unit may also receive a first digital representation of a biometric for a first person along with at least one permission to assign regarding the mobile identity information controlled financial account device for a second person.

Systems and methods for digital identity and account abstraction are disclosed. A method may include: creating, by an application executed by a user electronic device in an off-chain environment, a user operation for a transaction based on an intention received from a user; receiving, by an entry point contract in an on-chain environment, the user operation with a verifiable credential for the user; validating, by the entry point contract, the user operation using a validation function in a smart contract wallet; determining, by the entry point contract, that there is a paymaster to sponsor the transaction; determining, by a paymaster contract for the paymaster, that the transaction should be sponsored based on the verifiable credential for the user; executing, by the entry point contract, the transaction using an arbitrary execution function in the smart contract wallet; and invoking, by the entry point contract, a post-operation that performs post-operation logic.

Systems and methods for identity verification using identity tokens are disclosed. In one embodiment, a method for throttled sharing of personal information may include: (1) receiving, by a personal identity verification computer program and from a third party system for a third party, an identity token for a customer, wherein the third party system received the identity token from a customer electronic device; (2) retrieving, by the personal identity verification computer program, customer personal information for the customer associated with the identity token; (3) retrieving, by the personal identity verification computer program, third party identity verification requirements for the third party; (4) confirming, by the personal identity verification computer program, that the customer personal information meets the third party identity verification requirements; and (5) returning, a result of the confirmation to the third party system.

Contactless device for electronic payment and digital recognition of a person and method for generating a unique temporary OTP dynamic code via the contactless device. The device having a first set of components and a second set of components, wherein the first set of components comprises at least one biometric sensor for detecting a biometric character of a user and generating a biometric datum; at least one battery for supplying the components of the device; a display for displaying information data; an OTP microchip for generating a temporary dynamic code; at least one activation button for the OTP token function; at least one electronic circuit for contactless communication; and a microcontroller to manage the operations of the device. The second set of components includes at least one passive NFC microchip, in which the passive NFC microchip is removable from the device and isolated from the first set of components.

Arrangements for account linking and dynamic device selection are provided. Registration data including one or more user accounts and / or payment devices may be received. A request to process a transaction may be received via a first device. User data may be retrieved to identify other devices. One or more external entities may provide user profile data including raw customer data and encrypted authentication data. A hash of the encrypted authentication data may be generated and stored. The system may dynamically generate a rendering displaying one or more payment devices available for selection. A second payment device may be selected and authentication data associated with the second payment device received. A hash of the authentication data may be generated and compared to the stored hash of the encrypted authentication data. If the hashes match, the transaction may be processed. If there is not a match, the transaction may be denied.

Fuel dispensing can be performed by receiving a user input indicative of a fuel code via a graphical user interface (GUI) of a fueling system. The fuel code is provided to a fuel exchange system and relayed to a remote server using an application programming interface (API). A validation data object for validating the fuel code is received from the remote server via the API. In response to the validation data object, the fueling system automatically transition from an inactive state to an active state to dispense fuel to a user entity. Fuel event data is generated based on the dispensing of fuel and provided to the fuel exchange system. The fuel exchange system generates a fuel exchange payload based on the fuel event data and provides the fuel exchange data payload to the remote server for execution of an exchange value using the user entity's instrument of exchange.

Systems, methods, and apparatus are provided for expedited e-check processing via a universal clearance platform. In response to e-check initiation, a captured biometric marker may be uploaded to the clearance platform along with the e-check data. The platform may mint the biometric marker and e-check data as NFTs. The platform may insert the NFTs as a key-value pair in an integrated DHT. The biometric marker may be the key and the e-check data may be stored as the corresponding value. The platform may validate the key against previously captured biometric information and map the validated key to the corresponding value via an overlay network associated with the DHT. The platform may validate the retrieved e-check data against a previously captured transaction history to clear the e-check. In response to e-check clearance, the platform may route the e-check data to the ACH network to complete the transfer.

A method is disclosed that includes: receiving, by an identity provider computing system, a user token and user device information from a third-party provider, whereby the user token is associated with a user of the identity provider computing system and the user device information is associated with a user device of the user; identifying, by the identity provider computing system, related user activity based on the user device information; and authenticating, by the identity provider computing system, the user based on the user token and the related user activity indicating that the user used the user device in another authenticated transaction within a past predefined time period.

User authentication and validation for performing transactions may be performed by a validation server of a service provider. For example, when a login request or purchase request is received, the request may be authenticated or validated before permitting the requested transaction. In some arrangements, the validation may be delegated to one or more devices or users external to the service provider. Multiple validation users may be consulted for each transaction request to determine a consensus validation decision. A consensus may be reached based on unanimous responses or based on a specified threshold level (e.g., more than 50% responding positively or negatively). The service provider may use this consensus determination to authorize or reject a transaction request.

NFTs are used to provide software licensing and DRM in a manner that is transferrable, allowing licensees to swap and resell licensed software according to terms specified by the licensor. NFTs are used to prove ownership of software and other digital assets on a blockchain. The blockchain provides a distributed public ledger that enables the tracking of ownership of the assets, without the use of a centralized server. Since software and other digital content licenses concern digital assets, they can be granted, tracked, and revoked on the blockchain via the use of NFTs. NFTs and the blockchain therefore provide a mechanism which is used to verify and authenticate software licenses, digital content licenses, and other types of licenses for digital assets. Smart contracts may be used to define and enforce the terms of the licenses, at any level of granularity.