A method for card authentication is provided. Methods may include receiving a card with a graphical representation and a plurality of transaction details at a card reader. Methods may include processing the graphical representation. The processing may identify a representative number. Methods may include deciphering card data from the representative number. Methods may include transmitting the card data and the transaction details for approval and/or denial. Methods may include receiving an approval and/or denial. Methods may include generating an updated graphical representation. Methods may include pushing the updated graphical representation to the card.

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.

A system generates at least one of a customer token or device token configured to facilitate a mobile wallet transaction, transmits the customer token or device token to a server system for verification of the mobile wallet transaction, receives a screen display to present to the user, the screen display including the account balance information for the account held by the user at the financial institution, receives determination of rewards information regarding rewards available to the user if the user uses the account to perform the transaction, wherein the screen display comprises the rewards information, and provides an indication from the user that the user wishes to perform the mobile wallet transaction to transfer funds to a recipient, wherein the funds are transmitted to the recipient responsive to the provision of the indication from the user.

Disclosed herein are systems, methods, and devices for transaction methods for mobile wallet operations in a casino. Various embodiments are directed to applying funds to a user's mobile wallet by transactions at a kiosk, cage, Peripheral System, or other system of the casino. Embodiments are also directed to applying credit to an electronic gaming machine of the casino. Embodiments are also directed to returning or redeeming credit from an electronic gaming machine of the casino to the user. Embodiments are also directed to transferring credit from a mobile wallet to external funds.

System and method for creating, buying, and selling universal asset tokens that represent one or more assets.

A primary platform (PP) can (i) support a first set of cryptographic parameters and (ii) securely download an unconfigured secondary platform bundle (SPB) that includes a configuration package (SPB CP). The SPB CP can establish a secure session with a configuration server (CS). The CS can select operating cryptographic parameters supported by the first set. The SPB CP can derive an SPB private and public key. The PP can use the selected operating cryptographic parameters to securely authenticate and sign the SPB public key. The CS can (i) verify the PP signature for the SPB public key and (ii) generate an SPB identity and certificate for the SPB and (iii) send the certificate and SPB configuration data to the SPB CP. The SPB CP can complete configuration of the SPB using the SPB identity, certificate, and configuration data. The configured SPB can authenticate with a network using the certificate.

Systems and methods for implementing payments or mobile payments. In an aspect of in-store purchase, a merchant sends a payment amount and merchant account info to transaction center. A buyer sends a code and buyer account info to transaction center. The code represents the merchant. In an aspect of online purchase, an e-commerce merchant provides options for a buyer to use names other than a first name plus a surname. In one embodiment, a buyer submits a shortened name or nickname for online purchases when a given payment service is used as a payment method.

A retrofit interface module (RIM) described herein may allow legacy cash terminals to perform cryptocurrency-based transactions. The RIM may be installed at existing cash terminals such as vending machines, parking kiosks, ticket booths, etc. The RIM may allow the legacy cash terminals to interact with user devices such as smartphone across one or more wireless communication channels in order to perform cryptocurrency-based transactions. Such transactions may include cryptocurrency payments to cash terminals and cash deposits to cryptocurrency accounts or coins via the RIM and an associated cash terminal.

A system for providing a service at a self-service machine having a device identifier and that does not have internet connectivity or that is in an off-line state includes: a validation server that stores the device identifier, the validation server being in communication with a mobile device of a user, but not with the self-service machine. The self-service machine is configured to: receive a selection of a service; generate a service request identifier for the selected service; add the service request identifier to a list of service requests to be fulfilled; and communicate, to the mobile device by a first direct communication method, service request data including the service request identifier, a terminal identifier of the self-service machine, and an address of a validation server.

A method for enabling anonymous shipment of a package containing goods purchased by a customer from a vendor for delivery to a customer and an address unknown to the vendor is provided. The method includes, storing personal information associated with the customer in a shipping intermediary's secure database including the actual name and associated intended delivery address, and generating a tokenized customer name representing the actual name along with a preferred intermediary address associated with the shipping intermediary. The tokenized customer name and the preferred intermediary address do not include the actual name and any of the intended delivery address information for the package. The method further includes providing to the vender the tokenized customer name and the preferred intermediary address in place of the actual name and the intended delivery address.