A system and method using blockchain for monitoring and tracking service provider involvement in a transaction on behalf of a customer company. In the system and method, session information related to the transactions are encrypted using an encryption key specific to a company on whose behalf the service provider is acting. The encrypted action is signed the with a private key of a public/private key pair. The signed, encrypted action record is placed on the blockchain, which can later be accessed to review the actions on behalf of the specific company.

A system and method of conducting an authentication transaction; and a near field communication (NFC) enabled mobile device for conducting the authentication transaction. The method includes the steps of: storing data associated with one or more authentication certificates in a secure element of the NFC enabled mobile device; sending the data associated with the one or more authentication certificates from the NFC enabled mobile device to a server via a NFC enabled transceiver; verifying the authenticity of the one or more authentication certificates at the server; and upon successful authentication, sending transaction data from the server to the NFC enabled mobile device via the NFC enabled transceiver.

This disclosure illustrates that resource exchange requests may be identified and sent directly to ATMs. The service providers access the ATMs and are able to select the resource exchange request from the ATMs (e.g., electronically, or the like). The service providers transfer the resources at the ATMs, and reconcile the resources at the ATMs. The ATMs may send service provider and/or organization reconciliation notices confirming the reconciliations. In some embodiments, the reconciliation may be stored in a distributed ledger within a blockchain system.

Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.

Systems and methods are provided for receiving an encrypted payment payload from a digital wallet host, transmitting a low value token to a merchant, receiving an authorization request, requesting authorization for the transaction from an issuer financial institution using financial data from the encrypted payment payload, receiving an authorization decision from the issuer financial institution, and transmitting an authorization response to the merchant.

Methods and systems for representing a transaction using private blockchains are disclosed. In an example, a method for representing a transaction uses a private blockchain. The blockchain comprises a transaction block and a first sentinel block, the first sentinel block comprising a first previous hash field having an identical hash value as the first transaction hash field of the first transaction block, a first sentinel marker field for identifying the first sentinel block in the private blockchain, a first transaction data field containing a portion of the transactional information in the first transaction data field of the first transactional block, a first payload hash field comprising a hash value of the transaction data field of the sentinel block, and a first transactional hash field containing a first hash value of the first previous hash field and the first payload hash field; and appending the sentinel block to the transaction block.

Systems and methods are provided for receiving an encrypted payment payload from a digital wallet host, transmitting a low value token to a merchant, receiving an authorization request, requesting authorization for the transaction from an issuer financial institution using financial data from the encrypted payment payload, receiving an authorization decision from the issuer financial institution, and transmitting an authorization response to the merchant.

The present disclosure describes techniques for using a consensus network for handling requests. In one implementation, a first block chain node sends, to a consensus network, a business request generated according to business information sent by a user. A second block chain node in the consensus network verifies the legality of a business result obtained by a third block chain node according to the business request. The first block chain node executes a first designated operation by triggering a first smart contract in the business request. The first block chain node utilizes the smart contract executed automatically. The first block chain node automatically accomplishes the first designated operation by using the first smart contract once the business result passes the verification carried out by the second block chain node. The second block chain node verifies the business result obtained by the third block chain node.

A method and system for provisioning access data in a second application on a mobile device using a first application on the mobile device. Authentication data may be input into the first application, and an authentication code may be requested from a remote server. After the authentication code is received by the first application in the mobile device, it can pass the authentication code to a second application that initiates an access data provisioning process.

A computer-implemented method includes: determining assets held by a remitter, the assets to be spent in a remittance transaction between the remitter and one or more payees, in which each asset corresponds to a respective asset identifier, a respective asset amount, and a respective asset commitment value; determining a remitter pseudo public key and a remitter pseudo private key; determining a cover party pseudo public key, in which the cover party pseudo public key is obtained based on asset commitment values of assets held by the cover party; and generating a linkable ring signature for the remittance transaction.