A method for a system and method of data processing whereby diners can pay their tab or check out from a merchant without having to disclose sensitive personal and financial information to the merchant. Upon arrival at a merchant's place of business, a unique random identifier code is generated through a mobile application. The unique random identifier code is associated with a user's payment information and the user's tab. After ordering menu items from a merchant, the user may pay its tab through the application and without disclosing identifying or financial information to the merchant.

The method 10 for mobile cryptocurrency wallet connectivity can include facilitating a blockchain transaction S100 and establishing an initial connection between a mobile client and a web client S200. The system 20 for mobile cryptocurrency wallet connectivity can include a browser 110, one or more websites 120, a web client 130, a mobile application 140, and a backend server 150.

Systems, devices, apparatuses, and methods for providing tokenization as a service are provided. Embodiments of the invention involve decoupling a “tokenization service” from other services offered by a merchant service provider, and offering the tokenization service as a stand-alone service. In accordance with an embodiment, a merchant service provider can receive payment data associated with a transaction between a consumer and a first entity. The merchant service provider can generate a payment token that represents the payment data and transmit a copy of the payment token to the first entity. The first entity can then transmit the payment token and order information to a second entity specified in the transaction. The merchant service provider can subsequently receive a request to complete the transaction from the second entity. The request can include the copy of the payment token from the second entity.

Biometric features are derived from security data associated with a subject. The security data is obtained from a security device. A biometric value is calculated from the biometric features. The biometric value is anonymized to an identifier associated with the subject. The identifier is integrated with event data associated with a security system. In an embodiment, the security device is a Personal Identification Number (PIN) pad integrated into a transaction terminal, the security data is fingerprint data, which is read from a finger of the subject placed on a fingerprint reader integrated into the PIN pad, and the biometric value is a PIN calculated from fingerprint data during a transaction at the transaction terminal. In an embodiment, the security device is a security camera, the security data is a secure video stream, and the biometric features are facial features of the subject in the secure video stream.

A method of performing an off-us deposit with reversal is provided. The method includes receiving, by a depository bank computing system associated with a depository bank, a request identifying an amount of a transfer of funds from a paying bank, different from the depository bank, into an account associated with a customer of the depository bank. The method further includes crediting, by the depository bank computing system, the account of the customer of the depository bank by the amount of the transfer of funds. The method further includes determining, by the depository bank computing system, a need for a reversal of the transfer of funds from the account of the customer of the depository bank. The method further includes reversing, by the depository bank computing system, the transfer of funds from the account of the customer by the amount of the transfer of funds.

A system and methods for zero-step proximity detection and private matchmaking using mobile device low emissions beacons, which uses user mobile devices, a single or plurality of BLUETOOTH™ low-emissions (BTLE) beacons, a network, a server, and an application that may operate separately on a mobile device and the single or plurality of BLUETOOTH™ low-emissions (BTLE) beacons, which calculates the proximity between two or more users, which allows users to be alerted to other users in their proximity, and which provide a means for verifying and managing meetups between two or more users of the mobile devices.

A first server (100) includes: a store-entry management unit (102) that, when acquiring first individual determination information about a customer who enters a store, generates second individual determination information for a second system separated from a first system for managing customer information, and stores the acquired first individual determination information and the generated second individual determination information in association with each other in a storage unit; a transmission unit (104) that transmits the second individual determination information to the second system; an acquisition unit (106) that acquires, from the second system, the second individual determination information and purchase product information being information about a product to be purchased by the customer; and an output unit (108) that determines the first individual determination information associated with the acquired second individual determination information, and outputs the first individual determination information and the purchase product information to a payment unit.

A system allows for conducting the financial and commercial (buying, selling, donating, gifting and paying) transactions that leverage communication devices to avoid the disclosure of a user's payment information. The payee (seller, seller's agent, receiver of funds, etc.) provides information or a token to the payer (buyer, buyer's agent, or any other provider of funds) who then directs funds to that token. In other words, rather than the payer providing information that is used by the payee to “pull” funds from the payer, the system allows a payee to provide information to which a payer “pushes” a payment. Since the payment is “pushed” by a customer, and often, but not always, using some type of a communication and/or computing device, the point-of-sale (POS) terminal has essentially been transferred from the merchant to the customer.

A system is provided for controlling privacy in an exchange of an asset. The system receives an offer query of an offeror that includes an offeror reveal condition, an asset identifier of the asset, and offeror terms of exchange. The system accesses an offeree reveal condition and offeree terms of exchange for the asset. The system determines whether the offeror reveal condition and the offeree reveal condition are satisfied and determines whether the offeror terms of exchange and the offeree terms of exchange are satisfied. When the offeror reveal condition, the offeree reveal condition, the offeror terms of exchange, and the offeree terms of exchange are satisfied, the system reveals the offeror to the offeree and the offeree to the offeror.

An information transaction method of the present disclosure includes an information providing phase of providing, by an information provider, information requested by an information user via a distributed ledger of authentication server devices. In the information providing phase, an information provider terminal acquires first transaction data including an information user ID, an information provider ID, and a second information index indicating an index of first information requested by the information user among information items indicated by the first information index published in the distributed ledger, the first transaction data being written in the distributed ledger. The information provider terminal generates first encrypted information by encrypting the first information designated by the second information index, generates second transaction data including the information provider ID, the information user ID, and the first encrypted information, and transmits the second transaction data to an authentication server device.