A system for securing payments is provided. The system may include a payment-receiving entity. The payment-receiving entity may include a point-of-sale device, a point-of-sale encryption selection display and a storage medium. The point-of-sale device may include homomorphic encryption capabilities. The system may include a payment processing entity. The payment processing entity may include a payment receiver and a payment processor. Upon receipt of a payment from the user at the payment-receiving entity, the payment-receiving entity may be configured to present to the user the point-of-sale encryption selection display; receive one or more user selections; transmit payment details, associated with the payment, to the payment processing entity; receive payment confirmation; and encrypt and store point-of-sale details based on the user selections. The point-of-sale encryption selection display may be operable to present, to a user, one or more transaction encryption selectable choices.

Embodiments provide methods and systems for performing an offline payment transaction in absence of network. In an embodiment, a communication channel is established between a merchant device and a user device for performing the offline payment transaction. The merchant device receives an electronic token from the user device. The electronic token includes an identifier for a payment account of a user, an offline balance amount associated with the payment account and a digital certificate representing authentication of the offline balance amount. The electronic token has a validity of a first threshold time period. The electronic token is verified with a decryption key available with the merchant device. The decryption key also has a validity of a second threshold time period. After a successful verification of the electronic token, the offline payment transaction is executed without connecting to a payment network, while the electronic token and the decryption key are valid.

Described processes include: determining portions of instances of a cryptographic token to be allocated to record providers, like providers of an asset indicated by a record, wherein: the portions are determined based on network effects associated with the records the record provider supplied on performance of a computer-implemented network in which both record providers and record consumers participate, patterns indicative of inorganic consumption may be determined from one or more of interactions of individual consumers, interactions of collections of consumers, or consumer interactions in the aggregate for a given provider or record; and the effects on network performance are adjusted responsive to designation of one or more entities as exhibiting inauthentic behavior; and appending to a distributed ledger, records indicating the respective portions, and adjustments, are allocated to record providers.

Systems and methods for processing encoded symbols to facilitate secured communication between a mobile device and one or more database systems is provided. Communication between the mobile device and the database systems is performed to update database tuples in the database systems based on processing of the encoded symbols. The encoded symbols may correspond to QR codes and updating database systems may include administering quick response (QR) code-enabled payment transactions.

Described are a signature verification method, apparatus, and system. The method includes: encrypting a third-party payment identifier and payment information according to a first key to obtain a first signature; encrypting a third-party client identifier and first signature information according to a second key to obtain a second signature; and providing the third-party client identifier, the first signature information, and the second signature to a client server for verification.

The present invention discloses a system and method of trading regulated equities with the SEC on an immutable blockchain, while also integrating with the rules and regulations of the existing brokerage ecosystem. In these systems and methods, customers are invited by at least one broker dealer to participate as a user on the digital trading platform to take a cash immutable action that comprises the placement of at least one of an order, bid or offer. The action, containing a digital price, is then entered into the digital trading platform, stored on the platform and used to facilitate a spot market transaction between a buyer and a seller.

A method for access control accepts a first data from a first mobile computing device of a first patron. The first data is representative of at least a certificate and represents an authorization for access. The method further provides the access in response to the first data, and makes a record in the first station. The record includes a second data representing the access and an identifying portion of the certificate. The method further provides, after the access, a third data to a second mobile computing device of any patron. The third data is deliverable by the second mobile computing device to the management system and is representative of the record. The method further accepts a fourth data that is representative of at least an acknowledgment of the record, and deletes the record from the first station in response to the fourth data.

The invention relates to distributed ledger technologies such as consensus-based blockchains, for example, a Bitcoin blockchain. Computer-implemented methods for a trustless, deterministic state machine that is embodied by the locking script of a spending transaction are described. The spending transaction transfers control of at least one digital asset or portion thereof. The spending transaction references a previous transaction that includes a locking script with a bytecode sequence. The spending transaction also includes a locking script with the same bytecode sequence. The spending transaction can be validated by verifying that the bytecode sequences of the locking scripts of the spending and previous transactions match one another. Control of the at least one digital asset or portion thereof can be transferred as a result of execution of the locking script. For example, the locking script can impose a set of conditions for validation of the spending transaction.

Apparatuses, methods, and systems are disclosed for user authentication using a connection information package provided by a blockchain network. One apparatus includes a processor and a transceiver that receives, from a first address on a blockchain network, a plurality of connection information packages and also receives, from a first function, a request to authenticate a user. The processor determines whether the first function is associated with one of the plurality of connection information packages. In response to the first function being associated with a valid one of the plurality of connection information package, the processor accepts the request to authenticate a user.

A network of computing nodes and a method of operating the computing nodes effectuate, in real-time, an international, money transfer from the bank account of a first person (the payer) in a first country to the bank account of a second person (the beneficiary) in a second, different, country.