A method for trading on an electronic trading platform. The method includes the following features: trade orders of subscribers of the trading platform are given, a decentralized transaction database of the trading platform is managed that includes an order book, balances of accounts of the subscribers, and a zero-knowledge proof of a present state of the transaction database. On the basis of trade orders of the subscribers, starting from the current state, the transaction database is brought into a new state by a multiparty calculation.

The invention provides methods, systems and computer program products for implementing a contactless payment card based payment transaction. The invention may in an embodiment be implemented by (i) establishing a contactless communication protocol based data channel with a contactless payment card through a processor implemented contactless communication enabled device, (ii) receiving payment card information from the contactless payment card over the contactless communication protocol based data channel, (iii) transmitting to a kernel server, a payment transaction request for onward transmission to an issuer server associated with the contactless payment card, the payment transaction request identifying a payment amount, a payee account, and payment account associated with the contactless payment card, (iv) receiving from the kernel server, a validation cryptogram, request wherein the validation cryptogram request has been generated by the issuer server transmitting the validation cryptogram to the kernel server, for onward transmission to the issuer server.

Systems and methods are provided for facilitating network transactions. One exemplary computer-implemented method includes compiling a list of accounts for a user and, for each of the accounts, appending a network scheme identifier to either the account or a profile for the user in association with the account, where the network scheme identifier is indicative of a network to which the account is associated. The method also includes receiving a selection of one of the accounts from the list of accounts in connection with a checkout and identifying the network associated with the selected account based on the network scheme identifier for the selected account. The method then includes transmitting at least one message associated with the checkout to a software development kit (SDK) and/or an application programming interface (API) of the identified network, thereby allowing the identified network to process a network transaction in connection with the checkout.

A payment managing system and method for enhancing the security of electronic user payment data can include employing a two factor authentication and keeping e-commerce host system outside the PCI scope. The two-factor authentication can include using a session ID and a one-time token (OTT). The session ID can identify a payment session that is initiated upon initiation of an e-commerce transaction. The payment managing system can provide a computing device initiating the transaction an iFrame to handle input user input data on an information resource. The OTT can be used to tokenize the user input data. The OTT can be included in payment authorization requests sent to the payment managing system. The payment managing system can obtain payment authorization without the user payment data being shared with e-commerce host systems.

A payment managing system and method for enhancing the security of electronic user payment data can include employing a two factor authentication and keeping e-commerce host system outside the PCI scope. The two-factor authentication can include using a session ID and a one-time token (OTT). The session ID can identify a payment session that is initiated upon initiation of an e-commerce transaction. The payment managing system can provide a computing device initiating the transaction an iFrame to handle input user input data on an information resource. The OTT can be used to tokenize the user input data. The OTT can be included in payment authorization requests sent to the payment managing system. The payment managing system can obtain payment authorization without the user payment data being shared with e-commerce host systems.

A method and apparatus are herein disclosed for allowing suppliers to generate an invoice from a purchase order without requiring them to log in or pre-register with a networked application. Implementation is provided by having a first user provide a first document to a networked application. An electronic notification is dispatched to a receiver for the first document with a unique link to a data entry page within the networked application. The data entry page is sandboxed with limited functionality within the networked application, but accepts data from the receiver to be sent directly into the first user's system.

Digital currency transfer is facilitated by a process that includes receiving an indication of a type and amount of digital currency to be transferred to a recipient as part of a digital currency transfer, and a specified public key of the recipient. The public key identifies a digital permanent wallet of the recipient's account. The process creates and stores a digital temporary wallet to temporarily hold the digital currency. This creates a transaction key uniquely identifying the digital currency transfer, and associates with the digital temporary wallet the transaction key and the public key. The process transfers the digital currency from the digital permanent wallet of the sender to the digital temporary wallet, and sends temporary wallet information of the digital temporary wallet, including the transaction key, for embodiment in a physical wallet to hold the digital currency and to be printed and transferred to the recipient.

A method of authenticating a payment terminal to a computer server involves the terminal generating a terminal activation request from a private key uniquely associated with the terminal, and from a credential uniquely associated with the terminal. The activation request includes a public key that the payment terminal generates from the private key. The private key is both provided to and uniquely associated with the terminal by an entity other than the terminal prior to the terminal generating the activation request. The terminal transmits the activation request to a certificate server, and receives a digital certificate in response. The terminal initiates a transaction with a network client by authenticating to the computer server using the digital certificate. The computer server is in communication with the network client via a communications network. The terminal effects payment for the transaction via an acquirer network distinct from the communications network.

The present solution discloses methods and apparatuses for automatic processing of member management data in a blockchain. One example method includes storing, in a blockchain, a contract rule, wherein the contract rule includes a rule that is agreed upon by blockchain members and is used for determining registration conditions of registering users for joining a blockchain. Receiving a registration transaction message from a registering user based on the contract rule, wherein the registration transaction message includes identification information of at least one certification authority and a signature certificate of each of the certification authorities identified in the identification information. Verifying the at least one signature certificate based on the identification information by using public keys of the at least one certification authorities in a blockchain node. Finally, in response to determining that the at least one signature certificate are successfully verified, registering, as a new blockchain member, the registering user.

Disclosed are examples of a method, a wearable device and a system enabling authentication of a user of a payment account or completion of a purchase transaction via signals generated by the wearable device. A process may include a wearable device generating a modulated signal using an encryption algorithm. The modulated signal may contain authentication information related to the wearable device including a cryptographic authentication message. The modulated signal is output to a biological medium interface of the wearable device that is coupled to a biological medium of a wearer of the wearable device. The biological medium is operable to conduct the modulated signal. A receiving device processes including decrypting and demodulating the modulated signal received from the biological medium. Using the demodulated signal, the authentication information transmitted from the wearable device is obtained. Based on the obtained authentication information, a transaction may be authorized, or a user authenticated.