1372results 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.

A self-service controlled dispensing system includes a mobile device configured to verify an age or identity of a user and secure a user account with biometric validation, creating a digital identification based on the verified age or identity, identify one or more controlled dispensing machines in proximity to the mobile device, receive a user selection of a first controlled dispensing machine of the one or more identified controlled dispensing machines, and receive a user request to send a payment to the first controlled dispensing machine. In response to the user request to send the payment to the first controlled dispensing machine, the mobile device validates the user with a biometric check, and transmits the payment and a verification credential corresponding to the digital identification to the first controlled dispensing machine, enabling the first controlled dispensing machine to dispense a controlled product or service to the user.

An electronic device with a display and a biometric input sensor is described. In some embodiments, the electronic device displays a user interface for a first application that includes an affordance; in response to detecting selection of the affordance, the electronic device transfers first transaction information about a transaction from the first application to a second application and displays a user interface for the second application; in accordance with a determination that detected biometric input is consistent with enrolled biometric input information, the electronic device proceeds with the transaction; after proceeding with the transaction, the electronic device displays a user interface for a third application that includes a second affordance; in response to detecting selection of the second affordance, the electronic device transfers third transaction information about a second transaction from the third application to the second application and displays a second user interface for the second application.

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.

Systems, methods and computer-readable storage media utilized to complete a cardless transaction on a distributed ledger network. One method includes receiving, by a point-of-sale (POS) computing device, a transaction request including a biometric sample from an individual associated with a payment account at a financial institution. The method further includes authenticating, by the POS computing device, the biometric sample by cross-referencing the biometric sample with a biometric dataset stored on the distributed ledger network. The method further includes, in response to authenticating the biometric sample, generating, by the POS computing device, a cryptogram associated with the biometric sample and processing, by the POS computing device, the transaction request utilizing the cryptogram.

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.

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.

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.

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.

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.

A payer computing system includes a processing resource, a memory resource, and computer-executable instructions stored thereon and embodied in a customer-side application programming interface (API). The instructions, when executed by the processing resource, cause the payer computing system to receive an electronic payment request and, in response, generate a request (e.g., a first API message) to access a biller computing system using a previously generated payer electronic token. The request is transmitted to the biller computing system. The payer computing system receives (e.g., via a second API message) payment information provided by the biller computing system in response to the request to access. Based on payment information, the payer computing system generates a payment transaction and causes (e.g., via a third API message) the payment transaction to be initiated.

A system and method for performing tasks by providing decentralized communication between entities are disclosed. The system is a computer-implemented system comprised of a plurality of subsystems. The plurality of subsystems comprises an identity managing subsystem, an entity detection subsystem, a first data-exchange subsystem, an entity selection subsystem, and a second data-exchange subsystem. The system is configured to manage one or more unique digital identities for each entity of the at least two entities associated with the computer-implemented system based on registration and authentication of each entity on a decentralized network. The system is configured to enable a first entity associated with the at least two entities to detect one or more second entities for exchanging generic communication data and domain-specific communication data for performing the one or more tasks by providing the decentralized communication between the at least two entities.

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.

A method for performing dual verification to combine a non-fungible token (NFT) with a digital payment instrument includes: receiving a first set of authentication credentials and a second set of authentication credentials, the first including a transaction account identifier, and the second set including an NFT identifier and a public key of a cryptographic key pair; performing a first verification process using the first set of authentication credentials based on at least a comparison of the first set of authentication credentials with data associated with a transaction account identified using the transaction account identifier; performing a second verification process using at least the second set of authentication credentials based on validation of a digital signature using the public key, the digital signature being identified using the NFT identifier; and transmitting a result of the first verification process and the second verification process to a computing device.

Systems and methods are directed to an improved fraud detection feature in Mobile Application Verification (MAV) device enrollment process. The proposed solution corresponds to a two-prong approach involving a strength factor evaluation of the authentication inputs provided during the initial enrollment process, and a computation of a number of trust parameters values from archived transactional records. A computational model supplemented with a machine learning process is then used to determine a device stability period as a function of the strength factor associated with the user provided authentication data and the computed trust factors.

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.

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.