Embodiments of the present invention provide a system for resource distribution within an offline environment. A merchant device internally stores a repository of reference codes and managing entity public keys that are paired with managing entity private keys. The user requests an amount of resources for offline exchange from the managing entity system. The managing entity system transmits certain authorization and encryption information to a user device. When the user device receives an exchange prompt from the computing device of the merchant through near field communication, it generates a digital token incorporating layers of content encryption ending with a managing entity's private key. The encrypted token and reference code are transmitted via near field communication to the merchant device. The merchant device matches the reference code to the managing entity public key and decrypts portions of the token with the managing entity public key to acquire the usable exchange information.

A mobile device such as a smart phone enables a user to wirelessly request to receive a delivery of an amount of cash. The request is sent to a remote transaction system which approves the request and provides the mobile device with a transaction identifier. The user operates the mobile device to send the transaction identifier, the amount and a delivery location to a delivery service terminal associated with a delivery service. The delivery service terminal communicates with the remote transaction system to confirm the delivery and/or the mobile device confirms the delivery to the remote transaction system. The remote transaction system operates to charge the financial account for the amount. In some arrangements the mobile device user may choose to have selected items of goods delivered by the delivery service in addition to cash.

Wait times at self-service kiosks may undermine the utility of these self-service machines. Self-service kiosks are configured to provide faster self-service kiosks that allow users to quickly perform common financial transactions. However, it has been increasing common for users to have to wait on a line to access a kiosk. Apparatus and methods are provided for a smart card that stages transactions by capturing the amount, pin and other necessary information on the smart card itself, before the user begins interacting with the kiosk. Information captured by the smart card may be transferred to the kiosk when the smart card is inserted into the kiosk. The user does not provide the kiosk with any additional information after inserted the smart card into the kiosk, thereby improving the transaction processing efficiency of the kiosk and enhancing user satisfaction.

The present invention includes systems and method for generating Virtual IDs (VIDs) and corresponding Virtual ID Chains (VICs) to anonymize and represent transactions between users, data sources, Virtual ID Management Platforms (VMP), and Third-Party Service Providers (TSPs). VIDs of embodiments are virtualized identifiers that may be used to anonymously and uniquely identify transaction participants. VIDs may be generated in a distributed manner as a party receiving transaction-related information generates a VID corresponding to the sending party. VICs of embodiments are virtualized arrays of VIDs that represent the sequence of interactions between parties to a transaction. VICs are preferably stored in association with transaction logs descriptive of the transaction represented by each VIC to facilitate subsequent processing. A VIC may be iteratively resolved to obtain one or more non-virtualized identifier corresponding to transaction participants represented by the VIC.

The technology teaches a distributed gaming system, comprising a server-side node configured to administer transactions for a gambling casino, selling and redeeming chips using a private database, and recording transactions on a distributed ledger using crypto-tokens for a house account, with a token vault wallet that has a unique identifier and private key to track transactions. Customer wallets, intermediary accounts and one-way redemption wallets track transactions on the distributed ledger. Client-side nodes accept token purchase messages and transfer tokens in the ledger and record in the database, accept token-to-chip messages from an intermediary account and transfer tokens on the ledger to the redemption wallet to extinguish and record the exchange, accept chip-to-token messages from an intermediary account and transfer tokens from the vault to the customer account and record the exchange, and accept token-to-fiat messages from an intermediary account and transfer tokens to extinguish, and record the exchange.

Embodiments provide methods and systems for preventing a fraudulent payment transaction. The method performed by issuer system associated with payment account of user includes generating unique data for payment transaction of the user upon approval of payment transaction authorization request signal. The method includes facilitating encryption of the unique data based on encryption key and sending payment transaction authorization response signal to payment server associated with payment network. The payment transaction authorization response signal includes at least the encrypted unique data. The method includes processing the payment transaction upon receiving a notification of a successful validation of the payment transaction authorization response signal from payment server. The validation of the payment transaction authorization response signal is performed by payment server. For validation, payment server decrypts unique data received in payment transaction authorization response and determines match between decrypted unique data and payment data associated with payment transaction authorization request signal.

An enhanced 3D Secure user authentication process and system. In some embodiments, a consumer device processor of a consumer device running a Web Authentication application programming interface (API) transmits a request to a relying party device requesting use of an enhanced 3D Secure authentication service. The consumer device processor then receives a request to authenticate a consumer from the relying party device by using a specific customer verification method (CVM), prompts, by running the Web Authentication API, the consumer to provide input in accordance with the CVM, receives input data in accordance with the CVM from an authenticator of the consumer device, verifies the consumer based on the input data, generates an authentication data package and transmits to the relying party device the authentication data package for processing and forwarding to a 3D Requestor environment.

Disclosed is a curable composition with enhanced curing time at ambient temperatures, the curable composition including (a) a resin, e.g., 4,4′-isopropylidenediphenol-epichlorohydrin copolymer and (b) one or more curing agents, wherein a ratio of a weight percentage of the resin to a weight percentage of the curing agent or curing agents is from about 12:1 to about 15:1. Also disclosed is a method of curing a cured-in-place liner, wherein the cured-in-place liner contains the above curable composition.

Systems and methods are disclosed for performing payment transactions using indicia-based associations between two or more user interfaces. One method includes: receiving transaction information related to a user's selection of goods or services from a merchant; generating an indicia encoding the transaction information related to the selected goods or services, the merchant, and the transaction amount; transmitting the indicia to be displayed, and to enable a user interface of a first user device to scan the indicia and extract the transaction information; receiving from the first user device, an authorization to process the payment transaction using a mobile payment source; and if sufficient resources exist in the mobile payment source: generating and transmitting a low value token to the merchant indicating the authorization of the payment transaction, wherein the low value token conceals the information related to the mobile payment source; and processing the transaction using the mobile payment source.

A system, method and computer program product for computer based open innovation, includes an asset valuation device receiving asset information regarding tangible or non-tangible assets, and generating a valuation signal, based thereon; a self-executing code device receiving the valuation signal, and generating a self-executing code signal, based thereon; an air router device having both low band radio, and internet router channels for redundant internet communications, and a malicious code removal device for scrubbing malicious code from data received, receiving the valuation signal, and generating a node voting request signal, based thereon; a mesh network having node devices receiving the node voting request signal, and generating vote confirmation signals, based thereon; and computing devices connected to each of the respective node devices, and configured to perform non-fungible token (NFT) generation based on the assets, including tracking respective ownership and valuation of the assets, based on the asset information