661results 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.

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.

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.

The invention relates to the technical field of artificial intelligence, and discloses a medical expense multi-mode payment integration method and system, and the method comprises the steps: analyzing an analysis result of a multi-mode payment request, the analysis result comprises a payment mode identifier, user identity information and expense details, and the payment mode identifier is a payment mode identifier; creating a payment channel set of the multi-modal payment request based on the payment mode identifier, screening out a target payment channel in the payment channel set based on a real-time load parameter corresponding to the payment channel set, and performing joint verification on the user identity information and the expense details, and packaging the analysis result into a security data packet according to the verification result of the joint verification, inputting the security data packet into the target payment channel, and submitting the input result to a medical terminal, thereby solving the problem of how to improve the security and efficiency of the multi-modal payment integrated system.

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.

A method for facilitating permission-based cryptographic transactions across service providers includes: receiving a request including permission data and an identification value from a first computing system, the identification value being associated with a first blockchain wallet for a blockchain associated with a blockchain network; generating (1) a permission token based on the permission data and (2) an alias, the permission token including verified identity data points; transmitting the generated alias to the first computing system in response to the request; receiving a token request from a second computing system, the token request including the alias; and transmitting the generated permission token identification value to the second computing system in response to the token request.

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.

The present invention discloses an identity authentication method, device, and electronic device. The method includes: receiving a first wallet account application, wherein the first wallet account application is used to apply for a wallet account of a digital wallet user on a first operating server; in response to the first wallet account application, obtaining a first trusted credential of the digital wallet user, wherein the first trusted credential is used to identify that a second operating server has verified the digital wallet user and opened a wallet account on the second operating server; sending the first trusted credential to the first operating server, wherein the first trusted credential is used by the first operating server to process the opening of a wallet account for the digital wallet user on the first operating server. The present invention solves the technical problem in the prior art that users need to independently authenticate their identity information with multiple operating institutions, resulting in a large number of repeated authentications.

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.

Techniques for using a virtual terminal on a device to process a data transfer are described herein. These techniques provide the use of a virtual terminal for transfer of data, encryption of the data, and rewrapping the data. A virtual terminal receives virtual terminal kernel configuration data, configuring the terminal with a first public encryption key. The virtual terminal generates a second encryption key only known by the virtual terminal. The virtual terminal encrypts the second encryption key with the first public encryption key. The second encryption key is used to encrypt data for data transfer. The virtual terminal is associated with a secure element of a device that is outside the normal processor of the device. The secure element is designed for encryption.

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.

Examples described herein include systems, methods, instructions, and other implementations for data security. One example includes receiving a status inquiry associated with a secure transaction, a merchant system, and a client device. The status inquiry is processed to determine that the merchant system associated with the status inquiry has been previously validated and that the status inquiry is from the merchant system. Then, in response to the determination that the merchant system has been previously validated, postback data including a tokenized client account number associated with client information is accessed and the tokenized client account number is transmitted. The tokenized client account number facilitates processing the secure transaction without the merchant system having access to the client information.

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.

The invention discloses a block chain digital right management method and system, and the method and system achieve the efficient and safe circulation of polymorphic values through the construction of a dynamic anchoring engine and a space-time verification network. A legal clause coding technology is innovatively adopted, and laws and regulations such as a payment settlement method are embedded into an intelligent contract, so that the compliance is ensured while the commercial efficiency is improved. Through test verification, the system realizes 2000 + transaction processing capacity per second under a million-level user scale, and the abnormal transaction identification accuracy rate reaches 98.7%.

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.