A system enables cryptocurrency payment transactions between devices using off-chain asset data that is related to blockchain assets within a blockchain but without committing the payment transaction to the blockchain until a later time. A device selects a settlement model to determine if a payment transaction is valid. When valid, the device adjusts a value of off-chain asset data stored in its memory. The device may aggregate multiple transactions, which may involve the same or different cryptocurrencies, adjusting the value of the off-chain asset data stored in its memory after each transaction. Subsequently, the device may commit at least a portion of the off-chain asset data to the blockchain.

A first client obtains a transfer value, generates a value transfer code based on account information and the transfer value, and enables a near field communication channel to transmit the value transfer code to the second client. The second client obtains the value transfer code transmitted from the first client through the near field communication channel, verifies the value transfer code, and in response to the value transfer code passing the verification, transmits the value transfer code to the server and the server carries out the value transfer according to the value transfer code.

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.

There are provided systems and methods for biometric authentication during voice data transfers. A user may initiate voice communications with a service provider endpoint that provides automated services to the user through the voice or audio communications, such as an interactive voice response (IVR) system where a user may navigate menus through audio commands. The user may by required to authenticate their identity during the phone call or other voice data transfer, which may be done by entering a biometric, such as a fingerprint. The biometric may be converted to biometric feature data and provided to one or more token service providers. The token service providers may provide one or more tokens for the biometric, which may be used as the authentication token. This token may then be transmitted to the IVR system through the user's endpoint using a dialer feature of the endpoint.

Disclosed in the present invention is a multi-operator direct payment system of a public operating service platform for electric vehicles, which belongs to the technical field of electric vehicle operation. The multi-operator direct payment refers to a payment method for the operators where the platform is hosted for the multiple operators. The multi-operator direct payment allows the payment to be directly paid to the actual charging account of the operators through dynamically-targeted payment techniques, without the need for secondary clearing and settlement, which also improves the timeliness of fund arrival, further achieves and promotes the interconnection among the multiple operators. In the traditional operating mode, the money firstly arrives at the platform and is then transferred to the operators, causing the problems of slow fund arrival, extra fees for transfer, and being not subject to the operators' control. The operator direct payment technology focuses on small and micro operators, where the money is directly transferred to the operator's account without going through the platform, then the money can be received in real time without the needs to pay extra fees; furthermore, there is also no concern that the platform does not give the received fees to the operators. The technical solutions according to embodiment of the present disclosure can attract more operators to join in the public management platform for charging piles, such that the charging platform of the electric vehicles can better serve the users and the operators.

Systems, methods, and apparatus for utilizing forward market pricing to facilitate operational decisions are disclosed. An example method may include interpreting an energy resource utilization requirement for a task system, and interpreting a behavioral data source, comprising entity behavioral data for an entity associated with the task system. The method may also include forecasting a forward market price for an energy credit resource in response to the energy resource utilization requirement and the behavioral data source. Then, in response to the forecast of the forward market price for the energy credit resource, adjusting an operation of the task system or executing a transaction.

Described herein is a system in which an electronic record is stored on a distributed environment with respect to an item. In this system, transactions may be conducted for an item in an anonymous fashion. In some embodiments, a first user may input an item identifier associated with an item as well as an indication of an action to be performed with respect to that item. The identifier may be transmitted to a blockchain network, which may use that identifier to locate a blockchain associated with the item. A blockchain may include a series of transaction records associated with the item, each of which is signed using a private key. Upon performance of the indicated action, the blockchain network may generate a new transaction record, append that transaction record to the blockchain, and sign the transaction record.

Systems and methods for controlling an automated electronic networked central clearinghouse for clearing and reversing reversible exchanges of digital assets are disclosed. Exemplary implementations may: execute an instance of a game; receive an exchange request that indicates a first user offers a first digital asset for a reversible exchange on a fiat-currency-based online exchange platform; access a decentralized database to obtain asset-specific distribution rights for the first digital asset; generate publication information of the first digital asset for publication on the online exchange platform; receive exchange information regarding the reversible exchange; temporarily transferring the ownership of the first digital asset; determine whether to reverse the reversible exchange, and either (i) transfer the ownership of the first digital asset to the first user, or (ii) clear the reversible exchange by non-temporarily transferring the ownership to the exchanging user, and by distributing benefits in accordance with the asset-specific distribution rights.

Provided is a computer-implemented method for securely receiving data via a third-party webpage, including: generating configuration data in response to a request from a first system, the configuration data including a public key of a first key pair; digitally signing the configuration data based on a private key of a second key pair; transmitting the configuration data to the first system, the configuration data including code configured to facilitate the first system to embed a plurality of frames in a webpage, wherein the plurality of frames loads content from a domain that is independent from a domain that hosts the webpage; and verifying the configuration data based on a public key of the second key pair. The computer-implemented method may also include receiving, from a master frame of the plurality of frames, encrypted data. Systems and computer program products are also provided.

In a method of validating a customer in an electronic transaction, an electronic interface of a vendor requests a first set of personal information to validate a customer. The first set of personal information is requested as a portion of a transaction between the electronic interface and a customer device used by the customer. Responsive to the customer's authorization, the electronic interface receives from the customer device an encrypted token which includes a second set of personal information which identifies the customer and encompasses at least a portion of the first set of personal information. The encrypted token is provided to the customer device from a third-party via an application on the customer device and is configured with the second set of personal information prior to the transaction. The electronic interface completes the transaction using the second set of personal information decrypted from the encrypted token to validate the customer.