A client communications device and method for generating a user message comprising an assertion for verification by a remote server device is described. Payload data for the user message as generated by a secure application resident on the communications device is received. Biometric authentication of the user is performed as a first level security mechanism. If biometric authentication of the user is successful, a digital signature is generated based on the message payload as a second level security mechanism. The digital signature is generated using a private signature key stored in a secure element of the client device. A third level security mechanism is applied by authenticating the user message using a secure application-specific key. In implementations, the digital signature is generated in a secure environment of the client device which has sole access to the secure element after successful biometric authentication. The user message comprising the message payload and the digital signature is generated for sending to the remote server device. The verification may be required during a financial transaction. A corresponding server communications device and method is also described.

A method for processing an offline blockchain transaction includes: generating, by first device, an initiate message; transmitting, by the first device, the initiate message to a second device; receiving, by the first device, a handshake message from the second device including a certificate and a recipient public key; verifying, by the first device, the handshake message including verifying the certificate using a certificate chain; generating, by the first device, a pay message including transfer data, the transfer data including data values for a proposed blockchain transaction; transmitting, by the first device, the generated pay message to the second device; receiving, by the first device, an accept message from the second device including a digital signature of the transfer data; and verifying, by the first device, the digital signature of the transfer data using as least the recipient public key.

A method for enabling the use of blockchain smart contracts as part of a traditional payment transaction includes: receiving, by a receiver of a processing server, a transaction message for a payment transaction, wherein the transaction message is formatted according to one or more standards and includes a plurality of data elements storing transaction data, the transaction data including at least a bank identification value; determining, by a processor of the processing server, a routing plan for the transaction message based on at least the bank identification value; and transmitting, by a transmitter of the processing server, the transaction message to (i) a first computing system using a first communication port of the processing server, and (ii) a second computing system using a second communication port of the processing server, based on the determined routing plan.

Systems and methods for tokenizing real-world items for use in digital commerce are disclosed. In some embodiments, the tokenization platform is configured to generate digital tokens that are cryptographically linked with a basket of items. The basket of items is configurable to include a variety of items and is redeemable through a transaction of the set of digital tokens in a digital token transaction system.

Techniques for encoding assets owned via tokens as webpages. A method includes encoding a webpage associated with unique assets into portions of code. Each of portion of code causes projection of media content corresponding to the unique assets when executed. The method also includes creating a database including at least webpage nodes and unique asset token (UAT) nodes, wherein the encoded portions of code are stored among the nodes, one of the webpage nodes is associated with the webpage, one or more of the UAT nodes is connected to the webpage node that is associated with the webpage, and each of the UAT nodes corresponds to one of the unique assets. The method also includes providing the portions of code to a device authorized by an owner of the UAT node connected to the webpage node that is associated with the webpage.

A method of authenticating a payment terminal, involves the terminal generating a terminal activation request from a private encryption key and from at least one terminal credential that is uniquely associated with the terminal. The terminal activation request includes a public encryption key. The public encryption key and the private encryption key comprise an asymmetric encryption key pair. The terminal transmits the terminal activation request to a certificate server, and receives an activation response from the certificate server in response. The activation response includes a digital authentication certificate that includes the public encryption key. The terminal authenticates to a computer server, that is distinct from the certificate server, using the digital authentication certificate.

Systems and methods for predicting forward market pricing for renewable energy credit based on human behavioral data are disclosed. An example transaction-enabling system may include a forward market circuit to access a forward energy credit market and a market forecasting circuit to automatically generate a forecast for a forward market price of an energy credit in the forward energy credit market where the forecast is based at least in part on a human behavior information collected from at least one human behavioral data source. The example system may further include wherein the energy credit includes a renewable energy credit associated with a renewable energy system, and a smart contract circuit to perform at least one of selling the renewable energy credit or purchasing the renewable energy credit on the forward energy credit market in response to the forecasted forward market price of the energy credit.

Systems and methods are disclosed for providing a virtual updated appraisal of a valuable asset without an onsite inspection. The appraisal system may provide attestation of the integrity of the updated appraisal generated by verifying the asset through video and image capture transmissions and geolocation data extracted from the transmissions. The updated appraisal may be configured as self-authenticating and recorded in a transaction on a blockchain, accessible via a QR code image. The updated appraisal may be stored in a blockchain wallet and configured as a non-fungible token. The geolocation data can enables the appraisal system to verify the integrity of the submission and thereby reduces the chance of fraud. In this way, updated appraisals generated by the system can increase confidence for insurance companies as to the authenticity and accuracy of the updated appraisal.

The invention relates to the field of technical infrastructures that ensure the implementation of financial transactions between economic entities, in particular to payment systems that provide ease of use and confidential data security. The present invention is the method of authenticating a customer, the method of carrying out a payment transaction comprising said authentication method, and the payment system implementing the specified methods, which ensure the achievement of a technical effect consisting in expanding the functionality of the payment system and reducing its vulnerability, in particular, by making it possible to conduct a payment transaction in a contactless way, on condition that the reference value of the customer authentication data is stored exclusively on the customer's device, as well as by combining the advantages of online and offline customer authentication procedures.

The disclosed embodiments provide a distributed transaction system including a group of validator nodes that are known to each other in a network but are indistinguishable to other network nodes. The validator nodes form a Committee including a Leader node and one or more Associate nodes configured to receive and process transaction requests and candidate requests, for example, to add new blocks to one or more blockchains. The Committee may be dynamically changed, such that new network nodes may be added to the Committee or may replace existing validator nodes. The Associate nodes also may coordinate with each other to select a new Leader node. The system may allow multiple request-fulfillment process to run simultaneously, thereby enhance the efficiency of the system. The disclosed embodiments reduce the distributed system's reliance on the stability of any particular node(s) in the network, as the validator nodes in the Committee may be changed at a sufficient frequency to remove unreliable, unavailable, or otherwise untrusted nodes. Further, the disclosed embodiments provide a scheme that helps ensure the Leader node, as well as the other Committee members, functions properly.