A system includes a secondary computing device not owned by a user, a hardware processor, a memory and instructions that cause the processor to generate a transient wallet identifier (ID) for a transient mobile wallet, the transient mobile wallet being of limited duration, and provide a configuration user interface the user, presenting configuration information for the transient mobile wallet. The processor also identifies a usage specification for the transient mobile wallet defining allowed uses for the transient mobile wallet. The processor also activates the transient mobile wallet on the secondary computing device, receives a payment transaction approval request, compares the payment transaction data to the usage specification, determines that the payment transaction data is non-conforming, and transmits a rejection message for the first payment transaction.

A computer system performs techniques related to enrolling and using a secure credential. In some embodiments, a computer system provides user interfaces for enrolling a secure credential on the computer system. In some embodiments, a computer system provides user interfaces for inviting a user account to use a secure credential.

A diamond asset comprising one or more diamonds and an encryption chip is used to asset-back a cryptographic token that can be used to conduct transactions. The cryptographic token is written to a blockchain using a smart contract that is configured to enable a transaction associated with the token in response to two or more of: a signature by the encryption chip, a signature by the owner of the diamond asset, and a validation of a visual layout of the diamond asset.

Methods and systems for managing a digital wallet are described, including registration of payment cards and use of such payment cards. The digital wallet may be integrated into a mobile application provided by a card issuer, with the digital wallet providing integration between the mobile application and a payment service provider that provides token-based payment systems for implementing virtual cards.

A client device comprises a first secure element and a second secure element. The first secure element comprises a first computer-readable medium having a payment application comprising instructions for causing the client device to initiate a financial transaction. The second secure element comprises a second computer-readable medium having a security key, a payment instrument, stored authentication data and instructions for generating a secure payment information message responsive to the payment application. The secure payment information message comprises the payment instrument and is encrypted in accordance with the security key.

A mobile device is provided. The mobile device includes a display unit, a sensor configured to sense user's touch done on a surface of the display unit in a disabled state of the display unit, a storage unit configured to store preset gesture information, a controller configured to enable the display unit when a user's touch operation matched with the gesture information is sensed, execute a wallet application, and display an execution screen, and a communication unit configured to transmit information for a selected payment option to an external apparatus when the payment option is selected on the execution screen and perform a payment. The payment is simply done.

A system for transacting in an environment with intermittent connectivity via a network backbone to a blockchain. A merchant device transmits a set of credentials for an ad hoc network to a buyer device and establishes a private peer-to-peer ad hoc network connection with the buyer device. It then conducts a transaction with the buyer device via the private peer-to-peer ad hoc network. If no network connection is available to a transaction blockchain, the merchant device stores a record of the transaction until such network becomes available and later sends the record of the transaction to the transaction blockchain.

A device and method for managing personal data. A request for an identifier (ID) token corresponding to a user is received from a virtual wallet. The ID token is generated and transmitted to the virtual wallet, where the ID token is then presented to a third-party entity by a device of the user. A request for the personal data corresponding to the ID token is received from the third-party entity. A trustworthiness score is determined that corresponds to the third-party entity based at least in part on an analysis of entity data corresponding to the third-party entity. The trustworthiness score and received request are transmitted to the virtual wallet and passed on to the user device. An indication of acceptance of the request and encrypted personal data associated with the generated ID token are received from the virtual wallet and transmitted to the third-party entity for processing.

Certain embodiments of the present disclosure relate to a system and method for the assignment of access rights and an NFT to a user device. The method includes assigning a non-fungible token (NFT), linked with the access rights, to the account associated with the user device based on the assignment of the access rights from the list of unfilled access rights. The method further includes verifying the validity of the access rights linked with the NFT, when the user device is requesting access to the resource, based on scanning information provided on the access rights and referencing a transaction history of the NFT in the blockchain, and transmitting at least one updated NFT and privilege to access the resource to the user device based on the verification of the access rights linked with the NFT.

Disclosed are various embodiments for replacing hard-coded certificate pinning with blockchain based certificate pinning. A signing device can obtain a public key from an endpoint device, produce a signature for the public key, and store the public key on a distributed data store, such as a blockchain. A client device can obtain and validate the public keys from the distributed data store and use the public keys to establish a secure connection between the client device and the endpoint device.