1481results about "Payments involving neutral party" patented technology

Systems, apparatus, and methods of managing access to private data via tokens are disclosed. The disclosed techniques provide for constructing digital tokens that represent a right-to-access private data where the tokens can be managed as individual objects. Further, such digital access tokens (DATs) can be recorded on a notarized ledger, a blockchain for example. Additionally, the rights-to-access can be embodied as a non-fungible token (NFT), which could further include support for establishing homomorphic encryption workspaces in which private data can be accessed or manipulated without exposing the private data.

A decentralized artificial intelligence platform is disclosed that enables secure sharing and execution of AI modules in sensitive application domains. The platform comprises a knowledge module registry for discovering specialized AI modules, a security framework enforcing structural integrity of AI modules, a zero-knowledge proof validation service for verifying usage conditions without exposing private data, and a blockchain-based value chain for managing smart contracts and payments. In operation, an AI agent can fetch a required AI module from the knowledge module registry, prove the right to use it, execute the AI module on local data, and automatically pay the AI module's provider through a blockchain transaction.

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.

Embodiments are directed toward a blockchain system including a global state and an assemblage of blocks, each block representing a collection of state transformation records, each state transformation record describing a state transformation performed on the global state, where preceding blocks referenced by any given block contain state transformation records describing state transformations performed on the global state prior to the evaluation of the given block, and where at least one state transformation record is a zero-knowledge transformation record encoding a zero-knowledge state transformation description, which zero-knowledge transformation record comprises at least the following elements: paths identifying the locations of the elements of a discrete data subset, a revised data subset, and a transition proof implemented as a non-interactive zero-knowledge proof, which transition proof proves that the transition from the discrete data subset to the revised data subset follows the established rules of the blockchain system.

The invention relates to an AI model-based auxiliary data auditing method and system, and the system comprises a data auditing auxiliary module which comprises a pre-auditing agent which is configured to check whether data submitted by a merchant is complete or not and carry out the data extraction of the submitted data; a risk auditing agent configured to verify the authenticity, consistency and risk of the data based on the extracted data; a compliance auditing agent configured to verify whether the data is legal and compliant based on the extracted data; the manual auditing module is configured to be used for manually rechecking auditing results from the pre-auditing agent, the risk auditing agent and the compliance auditing agent; and the routing module is configured to be used for selecting the AI model for constructing the corresponding sub-agent from the plurality of AI models according to the auditing task to be executed.

This system provides a computerized method for executing a legally binding digital, comprising: creating a unique tokenized representation of the Pactvera using a non-fungible token standard; embedding a payment value or digital consideration into said token; verifying parties to the Pactvera through biometric authentication and decentralized identity (ChainIT ID) validated against an authoritative source; recording the Pactvera Validation with metadata including time, location, device ID, age verification, and jurisdiction; recording immutable authorship and origin metadata of the Pactvera, including verification of the creator and presenter through Pactvera Validation; validating the original token instance and execution context via a Business Rules Engine (BRE); and releasing payment or conditional consideration via smart contract upon satisfaction of predefined conditions. The invention further enables integration with electronic recording systems for real property transactions in compliance with the Uniform Real Property Electronic Recording Act and produces tamper-proof audit trails suitable for litigation and regulatory use.

Systems and methods for purchasing (typically under a factoring model but other models are still possible), on a selected basis, declined payment transactions; receive, for assessment, the failed payment transaction via API; enrich the data received for the failed transaction with external and internal data; define, via one or more predictive models, the expected cause of payment failure; define, via the one or more predictive models the probability of successfully process in the following days the transactions successfully, calculating the associated cost of risk; interact in real-time with the customer where needed; confirm to the party invoking the service, for each transaction sent for assessment, the purchase or not of the failed payment transaction.

Systems and methods for tokenizing real-world items for use in digital commerce are disclosed. In some embodiments, a digital token transaction system configures a set of attributes for a set of digital tokens that are cryptographically linked to a set of virtual representations of a set of items. The set of attributes includes at least one temporal attribute that defines a time after which redemption rights of the set of tokens for the items expire.

A secure method for exchanging entities via a blockchain is presented. The method comprises receiving, from a user over a communications network, an invitation to perform an exchange of entities; generating a redeem script comprising metadata; hashing the redeem script to generate a redeem script hash; sending the first script and the first script hash on a distributed hash table (DHT); and generating an invitation transaction comprising an output associated with an encrypted digital asset, and a hash of a script comprising an indication of entities to be exchanged, conditions for the exchange, and a public cryptographic key associated with the user.

A token processing server computer to process tokens for non-fungible tokens is disclosed. The token processing server computer includes a processor and a memory coupled to the processor. The memory stores machine executable instructions that when executed by the processor cause the processor to issue a token identification (ID) based on a non-fungible token (NFT) and authenticate ownership of the NFT using payment rails.

In one embodiment, a method includes receiving transaction data associated with a protected first function of a first blockchain transaction protocol by a cybersecurity authentication service of a blockchain cybersecurity platform, assigning a first authority classification to the protected first function based on a transaction protocol runbook comprising preconfigured conditions associated with the protected first function, accessing the transaction data via a cybersecurity authentication interface by a first cybersecurity authority having an authority classification corresponding to the first authority classification, determining that the protected first function should be authenticated by the first cybersecurity authority based on each preconfigured condition being satisfied, inputting an authentication of the protected first function via the cybersecurity authentication interface by the first cybersecurity authority, and transmitting a transaction bundle configured to update a second blockchain transaction protocol to indicate that the protected first function is authenticated.

A method executed by a computing device includes determining whether baseline content associated with a longevity-contingent instrument is qualified for a proposed contingency-action token (CAT) for an object distributed ledger. When qualified, the method further includes obtaining approval with regards to availability status of the longevity-contingent instrument for a life insurance investment utilization. The method further includes establishing CAT content to include the baseline content, the availability status, and further CAT content to produce the CAT. The method further includes using a securely passing process to generate a new block affiliated with the CAT via a blockchain of the object distributed ledger, where the new block includes the CAT content.

Computer-implemented methods for locking a blockchain transaction based on undetermined data are described. The invention is implemented using a blockchain network. This may, for example, be the Bitcoin blockchain. A locking node may include a locking script in a blockchain transaction to lock a digital asset. The locking script includes a public key for a determined data source and instructions to cause a validating node executing the locking script to verify the source of data provided in an unlocking script by: a) generating a modified public key based on the public key for the determined data source and based on data defined in the unlocking script; and b) evaluating a cryptographic signature in the unlocking script based on the modified public key. The blockchain transaction containing the locking script is sent by the locking node to the blockchain network. The lock may be removed using a cryptographic signature generated from a private key modified based on the data.

In certain aspects of the disclosure, a computer-implemented method includes associating a token with a token identification and associating the token identification with corresponding metadata of the token. The method includes updating and logging changes in the metadata as attributes evolve. The method includes updating token value based on the changes and publishing a real-time token value with selected information about the changes.

A system and method for facilitating cross-border financial transactions through a money movement transaction marketplace. The system allows users to trade cross-border transaction requests, matching complementary payment needs to enable conversion into domestic equivalents. It includes a matching engine for identifying transaction pairs, a conversion module for domestic settlement, and a compliance framework supporting Anti-Money Laundering (AML) and Know Your Customer (KYC) protocols. The marketplace reduces costs by enabling peer-to-peer trading of transactions, bypassing intermediaries and standard currency conversion processes. The system supports dynamic exchange rate determination, multi-currency operations, and integration with financial institutions via standardized Software System's Interfaces (e.g., APIs). Secure communication, encrypted data handling, and fraud detection mechanisms ensure compliance and reliability. By addressing inefficiencies in traditional cross-border systems, the invention promotes financial inclusion and aligns with global goals to provide accessible, cost-effective solutions for underserved populations while ensuring transparency and scalability in cross-border payments.

The present invention generally relates to computer systems, methods and program products that allow a digital asset exchange to provide an option to customers to lend all or a portion of the digital assets associated with at least a first blockchain and held by the exchange on behalf of the customer in exchange for payments such as interest.

A payment processing network configured for dynamic authentication integration is disclosed. The network comprises an Access Control Server (ACS) and an issuer processing system in communication over the network. The ACS is configured to receive an authentication request message (AReg) including a dynamic authentication code, extract the code, generate a validation request including the code, and transmit the validation request to the issuer processing system. The issuer processing system is configured to forward the validation request to a dynamic authentication system, receive a validation result from the dynamic authentication system, and return the validation result to the ACS. The ACS further comprises a risk calculation engine configured to receive the validation result, calculate a risk factor derived from transaction metadata, apply a risk modification algorithm that utilises the validation result and the risk factor to generate a modified risk factor, and generate an authentication response message (ARes) based on the modified risk factor for transmission over the communications network.

Embodiments include a method of performing math based currency (“MBC”) exchanges. One method includes receiving an exchange request from a merchant point-of-sale (POS) system and determining a merchant POS system accepts MBC payments. The method further includes exchanging, on a published blockchain, an amount of MBC equal to an amount to an MBC account of the merchant POS system and updating a pooled account database. The method further includes updating an overlay ledger to modify an MBC balance of the MBC credit card account held by the customer and broadcasting the exchange to a plurality of MBC verification nodes for verification.

A scalable orchestration framework including an orchestrator platform is disclosed. The orchestration platform is configured to: (i) in response to receiving a first request data message, identify a total number of services of a plurality of value-added services to be invoked at a respective plurality of value-added services platforms; (ii) determine permissioned data elements of a plurality of data elements of the first request data message to be provided to each of the invoked value-added services; (iii) instantiate a service execution layer corresponding to each service of the plurality of services; (iv) provision each instantiated service execution layer with the permissioned data elements for the corresponding service of the plurality of invoked services; and (v) generate and transmit, to the requestor computing device, a first response data message based upon a received service response message from each instantiated service execution layer.

Implementations are directed to receiving, by a trusted signing service that is executed in an off-chain network, a user operation, signing, by the trusted signing service, the user operation to provide a signed user operation, receiving, by a paymaster that is executed in a chain network, a call to verify, the call including at least a signature of the signed user operation, and in response to determining that the signature of the signed user operation is valid, providing, by the paymaster and to an entrypoint that is executed in the chain network, a response to the call indicating that the paymaster is verified, the user operation being executed in the chain network at least partially in response to determining that the signature of the signed user operation is valid.

The application relates to a business authority management method, device and equipment and a storage medium, and relates to the technical field of computers. The method comprises the following steps: a first electronic device listens to a block chain node, and a plurality of intelligent contracts corresponding to businesses are stored in the block chain node. When new business authority change information is added in the block chain node, the first electronic device sends a synchronization request message to the block chain node, and the business authority change information is used for indicating that the business authority of a first business is changed. The block chain node stores the business authority change information configured by a second electronic device. The first electronic device receives the business authority change information from the block chain node. The first electronic device updates business configuration information according to the business authority change information, and the updated business configuration information comprises business authority information of the changed first business. The method can solve the problem that part of the business authorities in a commercial bank cannot be managed.

A non-transitory, processor-readable medium storing instructions that executed by a processor, cause the processor to generate a new zero-knowledge proof (ZKP) for a transaction based on a correctness of a prior ZKP and a prior transaction. The processor is caused to generate a ZKP using data for a first transaction and embed that data into data of a second transaction, to generate a ZKP for the second transaction. The generated ZKPs can be verified by a smart contract on a distributed ledger network that executes the second transaction based on the verification of the ZKP of the second transaction, which in turn is verified if the ZKP of the first transaction is verified.

Computer-implemented methods for locking a blockchain transaction based on undetermined data are described. The invention is implemented using a blockchain network. This may, for example, be the Bitcoin blockchain. A locking node may include a locking script in a blockchain transaction to lock a digital asset. The locking script includes a public key for a determined data source and instructions to cause a validating node executing the locking script to verify the source of data provided in an unlocking script by: a) generating a modified public key based on the public key for the determined data source and based on data defined in the unlocking script; and b) evaluating a cryptographic signature in the unlocking script based on the modified public key. The blockchain transaction containing the locking script is sent by the locking node to the blockchain network. The lock may be removed using a cryptographic signature generated from a private key modified based on the data.

In certain aspects of the disclosure, a computer-implemented method includes creating a wallet for asset tokens and creating an account for a first user upon completion of user onboarding validation. The method includes associating the account with one of an individual and a business entity. The method includes initiating one of know-your-customer (KYC) for the individual and know-your-business (KYB) for the business entity. The method includes enabling the first user to access and make transactions using the wallet.

Described herein is technology for providing the secure transfer of assets between blockchain networks. A secure-execution server can be configured to execute a bridge program in a secure execution environment to interact with a first pool of warden servers to facilitate secure transfer of assets between a first blockchain network and a second blockchain network. The bridge program may include instructions that, when executed by the secure execution environment, cause the secure-execution server to perform operations that may include performing lock operations that lock first assets from a contractless blockchain network and mint second assets representing the first assets in a contracting blockchain network, where the contracting blockchain network supports smart-contracts that are unsupported on the contractless blockchain network; and performing unlock operations that unlock the first assets by transferring the first assets in the first blockchain network in response to the second assets being returned or destroyed.

Systems and methods are provided for verifying identities of users. One example computer-implemented method includes requesting a unique ID for a user, from a software development kit (SDK) in a mobile device, and issuing the unique ID for the user. The method also includes generating, by the SDK, a public / private key pair specific to the unique ID, prompting the user to capture an image of a government issued document, and capturing the image of the document. The method further includes validating, by the mobile device, the identity of the user based on the image of the document and, based on the validation, (i) converting the image via a one-way hash function, (ii) signing the hashed image with the private key of the public / private key pair, and (iii) transmitting the signed hashed image, the unique ID, and the public key of the public / private key pair to an identification provider.

The present invention relates to a system for secure and performance-optimized management of the entire token life cycle operations in decentralized investment ecosystems, especially applicable to blockchain platforms integrating immutable hardware-enforced parameters, trusted execution environments, multi-source price oracles, hybrid mint-and-buyback token allocation mechanisms, and compliance-gated vesting schedules to provide tamper-resistant, revenue-funded investor protection and resilience against network manipulation. The system enforces strict supply and governance safety bounds at the hardware level, preventing any software-based or governance-initiated override of critical operational parameters. The system integrates real-time, TEE-verified oracle feeds, MEV-resistant commit-reveal protocols, and cryptographically verifiable event logging to ensure data integrity, mitigate transaction ordering attacks, maintain compliance throughout the vesting period, and enable efficient off-chain auditing without requiring full-chain scans.

Approaches disclosed herein provide digital payment processing that integrates cryptocurrency transactions with traditional banking systems through the use of, for example, blockchain technology in a streamlined digital payment process. As an example, a digital payment processing system may integrate cryptocurrency with exchanges and banking systems via APIs. Such integration allows for the determination and use of real-time exchange rates, as well as almost immediate transfer of funds between cryptocurrency and fiat (traditional) or other such currency. By automating the exchange process and connecting directly to financial institutions for instant fiat settlement, such approaches can effectively avoid the usual delays of blockchain (or other distributed ledger-based) confirmations. Such a system may also utilize other technologies for facilitating a faster transaction process, such as off-chain solutions or layer-2 scaling solutions.

One of the drawbacks of Distributed Ledger Technology (DLT) is the conflation of authorization and authentication of transactions on a distributed ledger. The present invention includes a highly adaptable method and system for separating, but cryptographically linking, the authentication and authorization process of signing a transaction of a distributed ledger. The present invention facilitates group authority, common in corporate structures, for proposed transactions, voting models, and even workflow decision making. The present invention supports implementation of a variety of known authorization models into a decentralized network.

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.