A multi-functional authentication apparatus and an operation method for the same are provided. The multi-functional authentication apparatus integrates multiple communication modules into one device. A biometric authentication procedure is firstly performed when activating this multi-functional authentication apparatus. A security code is generated through a security authentication mechanism provided by this apparatus after reading biometric features. After that, according to a connection protocol, one of the communication modules of the multi-functional authentication apparatus is activated to connect with an external host. The security code is transmitted to the host via the communication module for identifying a user. The multi-functional authentication apparatus acts as an authenticator that allows a user to login to a computer system or obtain a network service after authentication. The multi-functional authentication apparatus also provides authentication for the user to open an access control device or conduct a mobile payment.

An example system can include: at least one processor; and non-transitory computer-readable storage storing instructions that, when executed by the at least one processor, cause the system to: provide a workflow to add a verifiable credential on a client device, the workflow generating the verifiable credential according to parameters defined by an entity associated with the verifiable credential; populate the verifiable credential in a wallet on the client device, the wallet; and surface the verifiable credential from within the wallet when a request for the verifiable credential is received.

Systems and methods for contactless payment are disclosed. The system and methods may include performing steps of: receiving user information from a user device, the user information including at least authentication information and payment information; receiving check information from a venue, the check information including at least a check identifier and initial order information; generating a check identifier for wirelessly communicating the check information to the user device; displaying the check identifier on a display on the user device; receiving a check close command; and requesting a payment from a user based on the user information and check information.

The invention provides systems, methods and computer program products for asynchronous authentication of digital wallet based payment transactions. The invention enables secure authentication of contactless payment card based payment transactions that have been implemented through contactless communication between a payor device and a payment terminal device using near-field-communication. In various embodiments, the invention provides methods, systems, servers, and computer program products for authentication of a contactless communication protocol based digital wallet payment transaction, as substantially described herein.

To manage property records using a multi-layered hybrid distributed ledger architecture, identification information for a particular property is obtained and transmitted to at least one participant in a public distributed ledger network for a public distributed ledger layer. Ownership information for the same particular property is obtained and transmitted to at least one participant in a federated distributed ledger network for a federated distributed ledger layer. Transaction-related documents for the same particular property are obtained and transmitted to at least one participant in a private distributed ledger network for a private distributed ledger. The distributed ledger layers are different layers of a property distributed ledger each having a separate set of consensus rules for appending distributed ledger data to the respective layer. This allows for the immutable preservation of royalty terms and conditions for a property or asset using the distributed ledger.

Systems, computer program products, and methods are described herein for secure resource transfer integration. The present invention is configured to electronically receive an access request to access a cold storage wallet associated with the user; initiate an authentication protocol to determine whether the user is authorized to access the cold storage wallet; provide access to the cold storage wallet to the user based on at least determining that the user is authorized to access the cold storage wallet; electronically receive a user request to transfer at least a portion of resources from the cold storage wallet to a resource distribution account associated with the user; execute the transfer of at least the portion of resources from the cold storage wallet to the resource distribution account; and display a notification indicating the execution of the transfer of at least the portion of resources.

Various implementations described herein are directed to a method for providing identity, payment and/or access. A primary account number (PAN) is read from a card or token. A hashed PAN is generated. A transaction result is determined based on the hashed PAN.

Example methods, apparatuses, and systems are presented that allows a user to make a secure purchase online, directly through accessing an online advertisement and without being redirected to multiple, cumbersome webpages to process different pieces of information to complete the transaction, while still leveraging existing e-commerce entities, such as existing payment platforms and existing ad/content networks. The present system includes a commerce ads engine (CA engine) that interfaces with the user through an app associated with the CA engine, a tokenization platform for authentication of the user, and a merchant providing relevant offer and check out information about a product being advertised in an online ad. The present system integrates new information embedded into online advertisements that interfaces with the CA engine and allows for the user to reliably provide authentication while purchasing the desired product, and without accessing or being redirected to multiple websites as is conventionally done.

A method for a system includes forming within an app running upon a user smart-device, an ephemeral ID having data associated with a server and anonymous data, outputting the ephemeral ID to a first receiver associated with a first computer and to a second receiver associated with a second computer system separate from the first, receiving from the first receiver an identifier and a nonce, providing the identifier and the nonce to the server, receiving from the server a token associated with the first computer system authorizing access to the first computer system but not the second computer system by the user smart-device, storing the token for facilitated authentication of the user smart-device, and providing the token to the first receiver.

The usage of money has been always abused for financial crime. The invention of cryptocurrency on Blockchain did not change that since the ownership essentially remained anonymous. The present invention deals with the programmatic parameterization of cryptocurrency Smart Contracts to include the binding between the user's cryptocurrency transaction and user's Identity, thus creating “permissioned” crypto-token transfer. Such binding has advantageous properties as being resilient to any form of financial crime, preventing cryptocurrency theft, and precluding “bad actors” from using this cryptocurrency. The system for Identity-Bound Cryptocurrency Transfer (IBCT) will include IBCT Blockchain Smart Contract, IBCT Blockchain Oracle Smart Contract, and off-chain Identification-as-a-Service for the IBCT owner using dedicated CryptoWallet for executing IBCT Smart Contract. The Financial crime-preventive usage of cryptocurrency is achieved through user-opted, while pseudonymous, binding of the user's Blockchain public address with the user's identity. This Financial crime-preventive usage of cryptocurrency is facilitated via a specialized crypto wallet.