Methods and apparatus consistent with the present disclosure allow a customer or payor to select from a plurality of nearby vendors or payees when a computing device of the payor is physically close to electronic devices of the payees. Payee devices and locations of those payee devices may be identified and displayed on a display of a payor device. Once displayed, a specific payee device may be selected by the customer and an order for a product or service may be sent to the selected payee device from the payor device. After the product or service has been provided to the customer, information that confirms that purchase may be sent to any of the selected payee device, the payor device, or a payment processing computer and funds to pay for the product or service may be deposited into an account of the payee based on the confirmation.

Systems, methods, and computer-readable media for achieving privacy for both data and an algorithm that operates on the data. A system can involve receiving an algorithm from an algorithm provider and receiving data from a data provider, dividing the algorithm into a first algorithm subset and a second algorithm subset and dividing the data into a first data subset and a second data subset, sending the first algorithm subset and the first data subset to the algorithm provider and sending the second algorithm subset and the second data subset to the data provider, receiving a first partial result from the algorithm provider based on the first algorithm subset and first data subset and receiving a second partial result from the data provider based on the second algorithm subset and the second data subset, and determining a combined result based on the first partial result and the second partial result.

A system software and method which relates to the field of computing technology or business process models or computer systems or distributed computer systems or computer networks relating to general purpose devices that can be programmed to carry out a set of data table or hash table updates, validations or modifications supporting, enabling or executing public and private services, financial transactions and commercial applications. More specifically, the present invention is directed to distributed and decentralized computing in which said distributed network is supported and encrypted by cryptographic technology, hash functions and distributed public or private keys or other related technology. System and methods for managing dynamic electronic documents on a private distributed ledger comprise establishing a dynamic electronic document comprising a first state object, wherein the state object references a prior approved first transaction; proposing a second transaction comprising as an input the first state object and as an output a transaction command to alter the state object as well as what parameters are required to validate the second transaction; validating the proposed second transaction; and updating the state object on a private distributed ledger to reference the second transaction.

The present disclosure generally relates to techniques for managing contextual transactions. In some examples, at a sender electronic device, a first user provides authorization to purchase an item for a second user. In some examples, at a recipient device, the second user selects one or more attributes for the item and requests to claim the item. In some examples, an electronic device displays a representation of an item and a purchase affordance for purchasing the item using a payment system that is available on the electronic device.

A data processing method and apparatus based on a blockchain network, and a computer device. The method includes acquiring a transaction request, the transaction request carrying transaction data and reference signature data corresponding to the transaction data; validating the transaction data and the reference signature data; determining a matching node device from a target node device if the transaction data and the reference signature data are validated, and acquiring a signing key of the matching node device; determining data to be signed according to the transaction data, and signing on the data to be signed using the signing key of the matching node device to obtain endorsement signature data; and transmitting the endorsement signature data to the management device, wherein the management device generates a transaction block according to the endorsement signature data and the transaction data.

A method for providing online security may include: (1) receiving, by a validation computer program executed by a trusted entity backend for a trusted entity, a call from a web browser executed on a customer electronic device browsing a webpage for an online entity, the call comprising an online entity identifier for the online entity and a session identifier, wherein the webpage for the online entity may include a hidden <iframe> comprising code that causes the web browser to execute the call; (2) confirming, by the validation computer program, that a cookie for the trusted entity may be stored on the customer electronic device; and (3) returning, by the validation computer program, a first value indicating that the customer electronic device is known to the trusted entity or a second value indicating that the customer electronic device is not known to the trusted entity based on the confirmation.

Methods and apparatuses for supporting transactions of products are provided. One of the methods comprises, receiving, by a second terminal, information of a seller that is selling the products, from a first terminal, requesting, by the second terminal, verification of the seller's information from a server, in response to successful verification of the seller's information, acquiring, by the second terminal, a transaction identifier for the products from the server, measuring, by the second terminal, a distance from the first terminal creating, by the second terminal, transaction data including the measured distance and the transaction identifier, requesting, by the second terminal, verification of the transaction data from the server and in response to receiving a message indicating successful verification of the transaction data from the server, performing, by the second terminal, a payment routine for the products.

Aspects described herein may allow for detecting fraudulent transaction requests using light sensors on smartcards. A computing device may receive, from a terminal, a request to approve a transaction. The request may comprise a timestamp corresponding to a time when the transaction was requested, a transaction type associated with the transaction, and an identification of a card associated with the transaction. The computing device may also receive, from one or more light sensors associated with the card, light data. The light data indicates an amount of ambient light during a time period when the transaction was requested. The computing device may determine, based on the transaction type, a model of expected ambient light. If the light data corresponds to the model, the computing device may send, based on the determination that the light data corresponds to the model, an approval of the request.

The present disclosure relates to systems and methods for creating and using personas. The method includes receiving a first set of input signals associated with data from one or more source; receiving a second set of input signals associated with data from one or more source; converting the first set of input signals and the second set of input signals to a wavelet; constructing a persona based on the wavelet; storing the persona in a ledger; receiving a request for a decision related to a transaction; converting the request to a new wavelet; determining a difference between the new wavelet and the stored persona; generating a score based on the difference; and authorizing the transaction based on the score.

The present disclosure relates to a method for approving the use of a card by using a token-ID, wherein, in a state where a card token ID, identification information of a user, a push token ID, and a public key of the user are registered in a blockchain database and a blockchain transaction ID corresponding thereto is managed, when payment request information is acquired, a relay server: requests authentication of order data from a user terminal; checks whether a user signature value obtained in response to the authentication request is valid, and registers the order data in the blockchain database; and registers, in the blockchain database, approval result information which is obtained through verification of the order data by a financial server, and transmits the approval result information to at least one of a service providing terminal and the user terminal.