556results about "Electronic credentials" patented technology

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.

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.

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.

An authorization flow management system provides multiple authorization options to a user when conducting an authorization event. The system provides options to a user during an authorization event to select a preferred interaction path without integrating the process into a merchant system. The system receives a request from a merchant computing device to authorize an interaction with a user and provides instructions to a user computing device to open a window on a user interface to receive a security code and to display options to select from one of at least two interaction paths, such as paying with rewards points or with an equal payment plan. When the user communicates a response to the opened window that selects one of the interaction paths and the communicated code, the system conducts the interaction utilizing the selected interaction path and communicates an authorization for the interaction to the merchant computing device.

Devices and systems for implementing decentralized custodial wallets are described. The described embodiments advantageously provide private key management, decentralization, and privacy. Embodiments of the disclosed technology further provide an example method that includes receiving, from a user, an input indicative of an instruction that creates a decentralized identifier (DID) associated with a public / private key pair of the user that includes a user public key and a user private key. The method further includes transmitting, to a data registry on a blockchain, public information associated with the user and the user public key, generating (a) a verifiable credential (VC) data structure comprising the DID, a plurality of attributes, and a first plurality of proofs, and (b) a verifiable presentation (VP) data structure comprising the VC data structure and a second proof. Herein, each proof of the first plurality of proofs verifies a veracity of a corresponding attribute of the plurality of attributes, each proof is signed by the DID, and the VC data structure is signed by a VC-generation key.

An example process includes causing a website of a merchant to load to an in-app browser within a payment application executing on a user device of a user. The example process further includes presenting, via a user interface of the user device, an interactive element on a checkout page of the website. A determination is made that the interactive element has been selected. The selection generates a payment request for a payment to the merchant from a user account associated with the payment application. The payment request is received via the in-app browser to initiate payment from the user account. The example process further includes determining that the payment request originated from within the payment application and is associated with a stored balance associated with the user account. The user account is accessed, and the payment is caused to be authorized without additional input from the user.

A blockchain-based data processing method, performed by a consensus node on a second blockchain, includes: obtaining a cross-chain message submitted by a forwarding service device, and obtaining a blockchain identification carried in the cross-chain message associated with cross-chain transaction data stored in a first blockchain; obtaining, in a second blockchain corresponding to the blockchain identification, block Merkle information corresponding to the first blockchain, and obtaining, in a block Merkle tree represented by the block Merkle information, a Merkle proof set corresponding to the cross-chain message, the Merkle proof set including node information of one or more nodes in the block Merkle tree,; verifying validity of the cross-chain message according to the Merkle proof set and the block Merkle information; and obtaining a transaction execution result corresponding to the cross-chain message in response to verification succeeds, and storing the transaction execution result into the second blockchain.

The present disclosure relates to techniques for automated and adaptive cloud security management. Embodiments provide for, at an electronic device configured to interface with a cloud computing environment, initiating one or more transactions in the cloud computing environment using a first identifier to cause a first service of the cloud computing environment to generate a first set of data including the first identifier and a second identifier, and a second service of the cloud computing environment to generate a second set of data including a third identifier and a fourth identifier. Embodiments also provide for automatically determining whether the first identifier corresponds to the third identifier, and, in accordance with a determination that the first identifier corresponds to the third identifier, associating the second identifier and the fourth identifier to generate a linkage between the first and second services.

The subject system may be implemented by a processor circuit configured to receive, by an NFC component, credential information associated with a physical credential, transmit to a provider server via an intermediate server a request for a digital credential, receive from the provider server via the intermediate server the digital credential generated by the provider server based on the request, and provision the digital credential on a secure element of the user device.

The invention provides a data transaction method and device, equipment, a medium and a program product, relates to the technical field of block chains, and aims to solve the problem of relatively poor efficiency of data transaction in related technologies. The method comprises the following steps: based on data demand information, creating a demand task pool by using an intelligent contract, and broadcasting the data demand information to each node in a block chain system; receiving at least one data abstract and guarantee fund submitted by the at least one data owner node through the smart contract, and writing the at least one data abstract into a demand task pool; under the condition that the first data demander node determines m first data owner nodes, price negotiation is carried out based on m price parameters submitted by the m first data owner nodes and the smart contract, and a transaction result is determined; and under the condition that the first data demander node pays the resource corresponding to the transaction price, distributing the first target data to the first data demander node. According to the invention, the data transaction efficiency can be improved.

A machine comprising a transceiver, one or more processors, and memory performs communications operations via one or more user devices. The communications operations include establishing via the transceiver a connection with a first user device, and transmitting first information to the first user device. Upon not receiving an acknowledgement that the first information was received by a server, the machine maintains the first information in the memory and establishes, via the transceiver, a connection with a second user device, appends the first information to second information, and transmits the first and second information to the second user device. Upon receiving acknowledgement that the first and second information were received by a server, the offline retail machine deletes the first and second information.

Techniques are described, as implemented by computing devices, to control access to transactions through use of cosigning based on tokenized reputation scores. This is performed by leveraging a blockchain such that tokenized reputation scores are generated based on amounts of cryptographic reputation tokens associated with blockchain account addresses associated with applicant and co-signer service provider accounts. Transactional functionality is made available to an applicant service provider account having an insufficient tokenized reputation score by using a co-signer service provider account having a sufficient tokenized reputation score to at least partially back an obligation of the applicant service provider for a transaction.

A data processing method based on a blockchain. The method, which is executed by means of a computer device that maintains a consensus node on a second blockchain, comprises: acquiring a cross-chain message submitted by means of a forwarding service device, and acquiring a blockchain identifier carried in the cross-chain message, wherein the cross-chain message is associated with cross-chain transaction data stored in a first blockchain (S101); acquiring, from a second blockchain corresponding to the blockchain identifier, block Merkle information corresponding to the first blockchain, and acquiring, from a block Merkle tree represented by the block Merkle information, a Merkle proof set corresponding to the cross-chain message, wherein the Merkle proof set includes node information of some nodes in the block Merkle tree, and the verifiable height of the block Merkle information in the first blockchain is greater than or equal to the block height of a block where the cross-chain transaction data indicated by the cross-chain message is located in the first blockchain (S102); performing validity verification on the cross-chain message according to the Merkle proof set and the block Merkle information, so as to obtain a cross-chain verification result corresponding to the cross-chain message (S103); and if the cross-chain verification result indicates that the verification is successful, acquiring a transaction execution result corresponding to the cross-chain message, and storing the transaction execution result in the second blockchain (S104).

Provided are a system and method for generating and transmitting tokenized payment information. In one example, the method includes transmitting a request for payment information to a payment network, receiving tokenized payment information of a payment account from the payment network, and transmitting the tokenized payment information to a merchant. According to various exemplary embodiments, the tokenized payment information may include a tokenized account number representing an account number of the payment account and a tokenized credential representing an additional credential of the payment account.

Disclosed are systems and methods for generating encoded instruments that implement electronic transfers. The system converts instruments to an electronic format using an imaging source or optical code detection device. The image data is processed to decode encoded components of the image data and to determine content elements and segments of the electronic transfer instrument and to extract transfer data. The transfer data is validated to facilitate secure, accurate execution of the electronic transfer.

Methods for an electronic token-based payment system includes providing a deferred-payment service by a network-accessible deferred-payment server that performs the steps of processing authorization of digital content purchases for a user account without requiring payment at time of purchase, monitoring a total outstanding purchase balance associated with the user account, and transmitting a settlement request signal to a computer server associated with the financial institution having a credit card account associated with the user for settlement of at least a part of the total outstanding purchase balance when the total outstanding balance exceeds at least one of a predetermined threshold amount and / or accrued over a time that exceeds a predetermined time interval. The transmitted settlement request signal includes information indicative of the total outstanding purchase balance owed, and the electronic token associated with the user of the user account. The electronic token being obtained from a user information database containing electronic tokens associated with corresponding respective user accounts, each token being unique with respect to both a user account of the deferred-payment service for a user, and with respect to a credit card account issued by the financial institution for such user. The token including encrypted information of a characteristic of a user who is associated with the user account, in absence of any information of the user account identification or the credit card account identification, wherein the deferred-payment service has not been provided with, nor has access to, the credit card account identification.

This disclosure relates to creating a connection between two devices without using a UUID and / or MAC address. For example, a first device can store a private key for creating a secure connection. A second device may request that a user log into an account associated with the first device (e.g., a customer account, a financial account, an employee account, and / or the like) in order to initiate the wireless connection. The second device user can enter login credentials via the second device, which may then be transmitted to a backend system. The backend system can receive and validate the login credentials and, in response, transmit a public key to the second device. The second device can use the public key to perform a public / private key handshake in order to validate the first device.

As disclosed herein, a token and / or a public / private key can be stored in a secure enclave that can be later used when a user logs into the payment provider's website. At that time, the user can simply swipe a fingerprint to complete a transaction. Thus, biometric authentication may be applied to complete the transaction. Moreover, the transaction can be completed across different browsers. In an implementation, a long-term token is not utilized. Instead, when a user opts into the disclosed implementation, a private and public key pair is generated on the client side device. The private key may be stored in the secure enclave and the public key may be sent to the payment provider. Thus, there may be no token involved to complete the transaction.

A data processing method based on a blockchain includes: receiving, by a first node device associated with a first blockchain, a cross-chain transaction request sent by a service terminal, invoking an on-chain service verification contract in the cross-chain transaction protocol, to verify whether the target cross-chain service is legal according to the service description information, to obtain a service verification result; invoking, in response to the service verification result indicating that the target cross-chain service is legal, an on-chain service execution contract in the cross-chain transaction protocol to execute the target cross-chain service, to obtain cross-chain transaction data; and sending the cross-chain transaction data to N cross-chain relay devices associated with the cross-chain transaction protocol.

A method for verifying transactions is discussed. The method includes receiving a transaction request for performing a transaction between a user account and a merchant account. The method includes determining, based on authentication of the user account, a common identifier associated with the user account, the common identifier indicating the user account being authorized for use at a plurality of merchant accounts including the merchant account. The method includes determining a payment token for performing the transaction, the determining the payment token based on the common identifier and a user associated with the user account. The method also includes providing the payment token for completing the transaction.

Secure blockchain (BC)-based tokens are issued and linked to payment cards and / or devices of customers. Custom conditions associated with the tokens are stored in smart contracts on a BC. The tokens are stored in a cloud-based key vault and / or in the BC. Validation of a token for access a smart contract on the BC can only be made by a financial institution (FI) to the key vault. Real-time information for a transaction device, for transaction information, and / or for the customer is provided as input data to the smart contract for evaluation of the conditions. After the token is authenticated by the key vault, the real-time information is gathered and passed to the corresponding smart contract on the BC for evaluation. The FI receives transaction authorization or transaction denial based on the smart contract's evaluation of the conditions.

An integrated selling system platform includes a point-of-sale application and middleware to perform global tokenization orchestration, that in combination, provide credit card reading device agnostic global token and provisioning operations. The middleware includes communication interfaces, each of which corresponds to a particular communication protocol. The middleware receives a token create request from the point of sale application and directly communicates, via one of the communication protocols, to a point-of-interaction payment device, to receive and securely encrypt the credit card number, then transmit that information to a hosted network token provisioning system to request a network token. Upon receiving the network token, the middleware communicates directly, via one or more protocols, to a global merchant tokenization host, to create a merchant specific token, to be returned by the middleware back to the point-of-sale client to use as a card-on-file payment method.

An electronic device includes a slave interface configured for coupling to a machine controller of a machine via a multi-drop bus (MDB), a host interface configured for coupling to a first peripheral device of the machine, and memory storing one or more programs to be executed by the one or more processors and comprising instructions for: registering the electronic device as a slave to the machine controller, registering the first peripheral device as a slave to the electronic device, receiving from a mobile device a request to access signals generated by the first peripheral device, validating the request, and sending a reset command to the first peripheral device via the host interface, the reset command including a directive to update a signal destination address of the first peripheral device from a controller address of the machine controller to a device address of the electronic device.

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.

Systems and methods are disclosed for generating one or more smart contracts for deployment onto a blockchain. The systems and methods may include (1) receiving vehicle information related to a vehicle; (2) analyzing the vehicle information to identify one or more safety features installed in the vehicle; (3) generating, based upon the one or more safety features identified, a smart contract that may be configured to (i) maintain a set of indications related to whether safety features in the one or more safety features installed in the vehicle have been activated, and (ii) automatically execute on the blockchain based upon the maintained set of indications; and / or (4) deploying the smart contract at a particular address on the blockchain.

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 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.

A transaction is pre-staged by providing transaction preferences, such as a financial instrument, a transaction type, and a transaction amount, to a user device. The user device captures a visual code at a terminal, such as an ATM. The visual code includes terminal attributes, including a signed hash and call-back URI. The user device authenticates the visual code using the signed hash and requests the transaction through the issuer server. The issuer server creates and sends the card data to the call-back URI. The terminal uses the card data to create a transaction request it routes to through its acquirer server.

A computer system and method for tokenizing an IoT device is provided. The system comprises at least one processor and a memory storing instructions which when executed by the processor configure the processor to perform the method. The method obtaining device information, generating a credential token based on the device information, and processing an electronic transaction using the credential token.

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.