A blockchain cryptocurrency transmission method according to the present invention transmits cryptocurrency on a cryptocurrency blockchain network using a self-authentication blockchain network and the cryptocurrency blockchain network. The blockchain cryptocurrency transmission method includes: a transmission reservation registration step (S100) of registering transmission reservation condition information, including a transmission target, a reservation date and time, a transmission amount, and a valid time for a remittance transaction, in the self-authentication blockchain network; a transmission processing request step (S300) of requesting processing of transmission from the cryptocurrency blockchain network to the self-authentication blockchain network; a transmission condition verification step (S400) of verifying transmission conditions using the transmission reservation condition information on the self-authentication blockchain network; and a remittance processing step (S500) of, when the transmission conditions are valid, processing the remittance transaction on the cryptocurrency blockchain network. The transmission reservation condition information is controllable by a user.

Techniques and apparatus for providing peer-based management of user accounts are described. In one embodiment, for example, an apparatus may include at least one memory and logic coupled to the at least one memory. The logic may be configured to determine a total entity risk value representing a risk position of an entity comprising at least one segment, generate a plurality of risk tokens, each of the plurality of risk tokens having a token value that is a portion of the total risk value, determine a total segment risk value for the at least one segment, the total segment risk value representing a portion of the total entity risk value allocated to the at least one segment, and distribute the plurality of risk tokens to the at least one segment of the entity to correspond with the total segment risk value. Other embodiments are described.

The system and methods described herein may be utilized to perform operations in a faster and less complex manner than provided by conventional systems. An encrypted record may be stored at a user device. The encrypted record may include entries related to operations that were previously requested by the user device. The encrypted record may have been encrypted using a dynamic value and a key that is associated with an entity associated with the user. A recipient computer of a request by the user device may be configured to utilize the dynamic value provided in the request and the key associated with the entity to derive the encryption key(s) last used to encrypt the record. The recipient computer may decrypt and modify the decrypted record to perform the requested operation while the user device is precluded from doing so.

Disclosed herein is a computer implemented method for providing authentication for secure transactions in a multi-server system, the method comprising; receiving, at an authentication server from a requestor server, a request for a cryptogram, the request being associated with a transaction and including a requestor identifier; in response to receiving the request, generating a cryptogram; sending, from the authentication server, the cryptogram to the requestor server; receiving, at the authentication server from a merchant server, the cryptogram, a payment token, and a unique merchant identifier, and a merchant secret; validating, at the authentication server, the cryptogram; comparing, at the authentication server, the unique merchant identifier and the merchant secret with a unique merchant identifier and a merchant secret pair stored in a database; and authorizing, at the authentication server, the transaction when there is a match.

In some implementations, a transaction card may receive transaction data from a transaction terminal based on initiation of a transaction with the transaction terminal; generate a tokenized primary account number, for use with the transaction, based on the transaction data and an actual primary account number of the transaction card; and transmit the tokenized primary account number to the transaction terminal for processing the transaction.

Disclosed herein are methods, devices, and apparatuses, including computer programs stored on computer-readable media, for protecting sensitive data of a transaction activity based on a smart contract in a blockchain. One of the methods includes: receiving activity data for creating an account for the transaction activity from a user, the activity data including at least an identifier of the smart contract in the blockchain and an expiration time of the transaction activity; sending the activity data to an authentication server for requesting a digital certificate of the activity data, wherein the digital certificate stores the identifier of the smart contract, and an expiration time of the digital certificate is set to be the expiration time of the transaction activity; and causing the account for the transaction activity to be created after to receiving the digital certificate from the authentication server.

A proof of wallet approach is used for transaction validation for a digital currency. When a transaction is requested, a set of witness nodes are selected to form an ad hoc neural network. The witness nodes may be client devices of other users of the digital currency. Each witness node receives input information about the transaction (e.g., an encrypted amount and nonce) and neural network parameters (e.g., input weights and a bias). The input information passes through the ad hoc neural network, which generates an output validation value. The transaction is approved if the output validation value is consistent with a verification value generated from the transaction parameters, neural network parameters, and digital currency information stored on a blockchain. If the transaction is approved, the transaction is added to the blockchain in conjunction with the identity of the witness nodes and any other pertinent information

Embodiments relate to a smart contract platform that facilitates creation, execution and verification of customized smart contracts. The smart contract platform enables design of customized smart contracts for execution and verification on a distributed ledger network, including smart contracts with logic for querying and fetching sensitive transactional data from participant nodes. A distributed ledger can store tokens indicating successful completion of one or more transaction elements without making some or all the associated transactional data visible. A smart contract form viewer can be used to view and interact with a smart contract form linked to the smart contract. The smart contract form can present contractual provisions in natural language, present transactional data to an authorized user, and accept entry or validation of designated transaction data. As such, the smart contracts described herein provide visibility and verifiability without the lost privacy and lack of customizability that exist with present solutions.

A settlement device includes an application reception unit that associates and stores a user ID for specifying a user and application information indicating an application to grant a privilege at the time of purchase of a target commodity in a storage unit when the user ID and the application information are acquired, a token generation unit that generates a settlement token and transmits the settlement token to a user terminal when a request for acquiring the user ID and a settlement code is received from a user terminal, a settlement information reception unit that is configured to receive the settlement information used to perform settlement of commodities, the settlement token, and privilege target commodity information for specifying a commodity which is a privilege target from a store terminal that is configured to read the settlement code according to the settlement token, and a privilege granting unit that is configured to grant the privilege corresponding to application information to the user when the application information associated with the user ID corresponding to the received settlement token corresponds to the received privilege target commodity information.

Validation circuitry enables a patron to use a wireless device to purchase gaming credit at a gaming machine. The wireless device transmits a touchpoint ID for the gaming machine to the transaction server, which communicates with a gaming system server to create a voucher for the gaming credit and wirelessly transmits a transaction package for the purchased gaming credit to the wireless device, wherein the transaction package includes the voucher ID. The wireless device wirelessly transmits at least the voucher ID to the validation circuitry, which transmits at least the voucher ID to the gaming system server to redeem the voucher. The gaming system server transmits gaming-credit approval to the validation circuitry. The transmissions between the validation circuitry and the gaming system server are independent of the game controller. The validation circuitry transmits the gaming-credit approval to the game controller, which provides the gaming credit to play the gaming machine.