Included are systems and methods for tokenizing sensitive data. Some of the systems and/or methods are configured to receive sensitive data from a vendor, determine a token key for the vendor, and utilize a proprietary algorithm, based on the token key to generate a vendor-specific token that is associated with the sensitive data. Some systems and/or methods include creating a token identifier that comprises data related to the token key sending the vendor-specific token and the token identifier to the vendor.

Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for securely processing remote transactions. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a mobile device. The method comprises receiving, by a mobile payment application on a secure memory of the mobile device, transaction data from a transaction processor application on the mobile device. The method further comprises validating that the transaction processor application is authentic and in response to validating the transaction processor application, providing encrypted payment credentials to the transaction processor application. The transaction processor application further initiates a payment transaction with a transaction processor server computer using the encrypted payment credentials.

Embodiments of the present specification provide methods and apparatuses for generating two-dimensional codes. One method comprising: receiving, by a secure element chip comprised in a two-dimensional code display device, code information comprising an account identifier of an account associated with the two-dimensional code display device; in response to obtaining a digital certificate for a private key stored in the secure element chip, signing, by the security element chip, the code information by using the private key to generate signed code information; and providing, the signed code information to the two-dimensional code display device for the two-dimensional code display device to generate and display a two-dimensional code based on the code information, wherein the two-dimensional code comprises information associated with the account identifier and changes dynamically over time.

A method for authenticating a cardholder for a candidate purchase using an authentication computing device in communication with a memory is provided. The method includes receiving an authentication profile associated with the cardholder during an enrollment process for an authentication service, storing the authentication profile within the memory, and receiving an authentication request for the candidate purchase over a first communication link. The candidate purchase is initiated at a client device. The method further includes retrieving the stored authentication profile from the memory, generating a challenge message based on the stored authentication profile, transmitting the challenge message to a user device over a second communication link, receiving a challenge response including authentication information collected from the user device, comparing the collected authentication information to the stored authentication profile, and authenticating the cardholder for the candidate purchase based on the comparison.

A method for verifying commodities in batches based on a blockchain, includes: receiving a warehousing verification transaction sent via a blockchain network by a warehouse provider, the warehousing verification transaction including a commodity identifier acquired from a commodity to be warehoused and a contract address of an invoked smart contract; invoking, in response to the warehousing verification transaction, a check logic declared in the smart contract corresponding to the contract address, to perform a check the commodity identifier; invoking, in response to the check succeeding, a warehousing verification logic declared in the smart contract corresponding to the contract address, to query for a traceability identifier and a distributor identifier that are associated with the commodity identifier in the blockchain.

A trusted network based service running on a server, for example as a cloud server, includes receiving a request from a first user device and a second user device. The request includes one or more inputs to perform a transaction. Based upon the request, selecting one or more computational resources from a set of a plurality of computational resources using zero-knowledge verifiable computing. In response to receiving authorization from each of the computational resources that they are capable of performing the zero-knowledge verifiable computing transactions to carry out at least a portion of the request, executing the program using zero-knowledge verifiable computing to carry out the request using a zero-knowledge protocol to ensure privacy of the first user device and the second user device. Sending to the first user device and the second user device an output of the request.

Identity certificates such as SSL certificates can be issued in such a way that their use can be disabled upon short notice. In one embodiment, private signing information associated with a certificate is used by an infrastructure service on behalf of an entity, without making the private signing information accessible to the entity. In another embodiment, short-term certificates are dynamically issued to an application based on a previous certificate authorization.

The invention relates to an enabling card as well as a system and method for completing a financial transaction in a P.O.S. terminal comprising: a processor carried by the enabling card for: establishing a connection with a mobile device; receiving secure information from a mobile device and generating a digital signal; a coil carried by the enabling card for generating a magnetic field in response to the digital signal to simulate the swipe of card in the P.O.S. terminal and complete the financial transaction.

Embodiments provide electronic methods and systems for performing recurring payments to the merchants. The method performed by an aggregator server includes receiving a standing instruction (SI) request including a plurality of unique data fields from an acquirer server. The unique data fields represent setting up of a recurring payment transaction from a payment instrument of a user to a merchant account of the merchant. The method includes generating and storing a unique identifier corresponding to the SI request. The method includes transmitting the SI request along with the unique identifier to an issuer server associated with the payment instrument to authorize the SI request for processing the recurring payment. The method further includes receiving an authorization response message in response to successful authorization of SI request by issuer server. Further, method includes transmitting authorization response message along with unique identifier to acquirer server for setup of SI for recurring payment.

An electronic transaction verification system comprising a client subsystem, a merchant subsystem, and a transaction verification subsystem. The transaction verification subsystem receives a quantum payment serial number from the client subsystem and performs entangled quantum encryption on the received quantum payment serial number to generate an entangled quantum payment serial number. The verification subsystem encrypts the entangled quantum payment serial number and transmits the encrypted entangled quantum payment serial number to the merchant subsystem. The transaction verification subsystem also transmits the entangled quantum payment serial number to the client subsystem.