A method for addition of a block to a permissioned blockchain using efficient consensus includes: storing a blockchain; receiving transaction messages having transaction values from consensus nodes; generating a Merkle root for the transactions messages using transaction references; generating a proposed block header having the Merkle root and a hash of the header of the most recently added block in the blockchain; hashing the proposed block header; transmitting a proposal message having a digital signature and the hashed proposed block header to auditing nodes; receiving a response message accepting the digital signature from a majority of auditing nodes; transmitting an accept message to the auditing nodes; transmitting a confirmation message to the consensus nodes including the hashed proposed block header and digital signature; and writing a new block to the blockchain having the transaction values from the transaction messages and a header including the proposed block header and digital signature.

An online transaction with a merchant website is initiated and completed via a single input action by a user. An online transaction application retrieves a first portion of user credit card information from a first storage location and a second portion of the user credit card information from a second storage location, decrypts the first portion with a first decryption key and the second portion with a second decryption key, encrypts and temporarily stores the complete user credit card information, and publishes an order associated with user order information to a pub/sub message bus. In response to the order being published, a headless browser that is connected to the merchant website retrieves and decrypts the unified user credit card information; completes the merchant checkout process; and deletes, erases, or otherwise removes the temporarily stored complete credit card information.

Systems, devices, apparatuses, and methods for providing tokenization as a service are provided. Embodiments of the invention involve decoupling a “tokenization service” from other services offered by a merchant service provider, and offering the tokenization service as a stand-alone service. In accordance with an embodiment, a merchant service provider can receive payment data associated with a transaction between a consumer and a first entity. The merchant service provider can generate a payment token that represents the payment data and transmit a copy of the payment token to the first entity. The first entity can then transmit the payment token and order information to a second entity specified in the transaction. The merchant service provider can subsequently receive a request to complete the transaction from the second entity. The request can include the copy of the payment token from the second entity.

A method includes providing an initial communication, by an access device to a user device. The access device can receive the user identifier and the access token and receive a secret associated with the user. The access device can determine, using the user identifier and/or the access token, if the transaction is authorized by an authorizing entity computer associated with the access device or by an authorizing entity not associated with the access device. If the transaction is authorized by the authorizing entity computer associated with the access device, the access device can transmit an authorization request message comprising the user identifier, the secret, and the access token to the authorizing entity computer. The authorizing entity computer validates the secret, retrieves a real credential of the user using the user identifier, and authorizes the transaction.

The present specification provides a blockchain-based method and apparatus for managing a biological asset object. The method is performed by a node device in a blockchain network, a smart contract for managing a biological asset object is deployed in the blockchain, and processing logic corresponding to contract code of the smart contract includes biological asset object creation logic, the method including: obtaining an asset object creation transaction generated by a client, where the asset object creation transaction includes identification information of a target organism; and invoking the smart contract, executing the biological asset object creation logic, and creating a target biological asset object corresponding to the target organism based on the identification information of the target organism.

Methods, systems, and computer-readable media for providing access to account information using authentication tokens are presented. In some embodiments, a customer of a financial institution may visit an account information aggregator site and request to add an account maintained by the financial institution to a collection of accounts for which the aggregator collects account information on behalf of the customer. Rather than providing their username, password, or other bank login credentials to the aggregator, the customer may be redirected to a page provided by the financial institution where the customer can enter the customer's credentials and authenticate with the financial institution. After authenticating the customer, the financial institution may generate a token and provide the token to the aggregator. Subsequently, the aggregator may use the token to obtain read-only access to financial account information for one or more financial accounts that are maintained by the financial institution for the customer.

A method for acceptance of blockchain payment at a traditional point of sale device direct to a merchant includes: receiving an authorization request for a fiat payment transaction including a transaction account number, transaction amount, and merchant identifier; identifying blockchain payment acceptance for a transaction account associated with the transaction account number; transmitting an address request to an exchange server including the merchant identifier; receiving a destination address associated with the merchant identifier for a blockchain network from the exchange server; transmitting a new blockchain transaction to a blockchain node in the blockchain network including the destination address and a cryptocurrency amount based on the transaction amount; and transmitting an authorization response for the fiat payment transaction to a payment network for routing to a point of sale device, the authorization response including an indication that clearance and settlement of the fiat payment transaction is not required.

Systems and methods for one-click payments are disclosed. A method may include a backend for a financial institution: receiving, from a user electronic device, enrollment of a user in a payments process; generating a token comprising an identification of an API exposed to the backend; communicating the token to the user electronic device; receiving, from a content provider, enrollment of the content provider in the payments process; receiving, at the API, an identifier for the content provider, a cost for content provided by the content provider, and the user identifier; transferring the cost from the user account to the content provider account; and notifying the content provider of completion of the transfer, wherein the content provider is configured to make the content available to the user electronic device after completion of the transfer.

An electronic device is provided. The electronic device includes a display and a processor. The processor transmits registration information relating to a user's payment means to an external electronic device, receives state information on the payment means, which is generated by the external electronic device using the registration information, from the external electronic device, and displays an indication corresponding to the state information in relation to an object for representing the payment means, through the display.

Methods, computer-readable media, software, and apparatuses may calculate a digital identity score from verifiable credentials from a consumer's digital wallet. The systems and methods may score the consumer's identity based on the type and issuer of the digital credentials or verifiable credentials the consumers holds in the consumer's digital wallet. The systems and methods may issue consumers a digital identity score verifiable credential. The consumers may prove their digital identity score to various digital partners to gain preferential treatment, save time, and save money.