A computer-implemented method that includes receiving, by a merchant computer system, an indication of a refund for a previous mobile wallet transaction. The method includes determining, by the merchant computer system, a previously used token based on the indication, the previously used token identifying a previous transaction as transferring funds to a merchant associated with the merchant computer system from a payor. The method includes determining, by the merchant computer system, a transaction amount for the previous transaction using the previously used token. The method includes transmitting, by the merchant computer system, the previously used token and the transaction amount to a recipient bank computer system. The method includes receiving, by the merchant computer system, an approval or decline indicator for the refund transaction from the recipient bank computer system. The method includes transmitting, by the merchant computer system, the approval or decline indicator to a Point of Sale device.

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.

Methods for secure transactions between gaming machines and portable devices are described. A logic device, separate from a master gaming controller on the gaming machine and placed in the gaming machine, may be operable to authenticate a portable device, such as a smart card, and authorize transactions involving transfers of indicia of credit between the portable device and the gaming machine. The logic device may be operable to send authentication information relating to the portable device to a remote host where a value amount of transactions involving the portable device authorized by the logic device may be higher when the logic device and the remote host authenticate the portable device as opposed to when the portable device is only authenticated by the logic device.

The present invention is related to an electronic transaction system using a blockchain to store transaction records. The electronic transaction system includes a computing device having a verification module, a processing module and a broadcasting module, and the blockchain includes a plurality of user nodes connecting to the computing device. The verification module is configured to generate notification information according to a transaction event, and the notification information is transmitted to a first and second user nodes. The processing module is configured to generate a first and second transaction currency values, the sum of which is zero, after the verification module receives the verification information from the first and second user nodes. The broadcasting module is configured to record transaction information associated with the transferring of the first and second transaction currency values in a data block, and to broadcast the data block to each of user nodes.

Embodiments of the application provide a method, apparatus, and electronic device for implementing blockchain-based transactions. The method comprises: determining a transaction amount to be remitted from a remitter's blockchain account into a receiver's blockchain account, wherein a commitment of the remitter's balance is recorded with the remitter's blockchain account in a blockchain, a commitment of the receiver's balance is recorded with the receiver's blockchain account in the blockchain; obtaining a commitment of the transaction amount by using the homomorphic encryption algorithm according to the transaction amount; and submitting to the blockchain a transaction comprising information of the remitter's and the receiver's blockchain accounts, and the commitment of the transaction amount, for the commitment of the transaction amount to be deducted from the commitment of the remitter's balance and the commitment of the transaction amount to be added to the commitment of the receiver's balance.

According to one aspect, an electronic ID device is provided. The electronic ID device is configured to allow a user to select an account associated with the user to employ in a transaction, and includes a biometric sensor configured to receive a biometric input provided by the user, a user interface configured to receive a user input, a communication interface configured to communicate with a secure registry, and a processor coupled to the biometric sensor to receive information concerning the biometric input.

According to some aspects of the disclosure, an electronic ID device is configured to allow a user to select an account associated with the user to employ in a transaction. The electronic ID device comprises a biometric sensor configured to receive a biometric input provided by the user, a user interface configured to receive a user input, a communication interface configured to communicate with a secure registry, wherein the communication interface includes a near field communication transceiver, and a processor coupled to the biometric sensor to receive information concerning the biometric input.

Systems and methods for out-of-band, time-based matching for applying issuer benefits to a transaction are disclosed. In one embodiment, in an issuer authorization platform comprising at least one computer processor, a method for out-of-band, time-based matching for applying issuer benefits to a transaction may include: (1) receiving, from a computer application executed by an electronic device and over a communication network, a payment option to apply to a transaction conducted with a merchant; (2) receiving, from a payment network, an authorization request for the transaction from the merchant; (3) matching the payment option to the authorization request when the payment option and the authorization request are received within a predetermined time of each other; and (4) applying the payment option to the transaction.

A method and apparatus provide on a mobile electronic device access to a number of gift cards. The gift cards are stored in a virtual wallet and can be retrieved by the user, whereupon an indicium such as a barcode, QR code, or other indicium is visually displayed or is otherwise output on the mobile electronic device. The indicium can be detected by another device, such as a barcode scanner or a wireless transceiver of a point-of-sale retail system, in order to enable a transaction to be performed using the funds that are associated with the selected gift card. When the user is within a predetermined proximity of a predetermined location, a notification is communicated to the mobile electronic device advising that a gift card in the virtual wallet is available for use at the predetermined location and/or suggesting the purchase gift card that is usable at the predetermined location.

A technique is provided for scalable reconciliation of a plurality of crypto assets between an offline wallet and an online wallet in a blockchain network. The technique includes receiving a request for reconciliation of a plurality of transactions from a trading platform; triggering the blockchain network to generate a smart contract, wherein the smart contract comprises information indicative of a quantity of the plurality of crypto assets to be shifted between the offline wallet and the online wallet; and reconciling the plurality of crypto assets between the offline wallet and the online wallet based on the generated smart contract and a public address, wherein the reconciling comprises transferring by the blockchain network a pre-defined number of a plurality of packets containing at least one of: a first part of a private multi-signature key and a second part of the multi-signature private key.