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.

Systems, devices, methods, and computer readable media are provided in various embodiments relating to generating a dynamic challenge passphrase data object. The method includes establishing, a plurality of data record clusters, representing a mutually exclusive set of structured data records of an individual, ranking the plurality of feature data fields based on a determined contribution value of each feature data field relative to the establishing of the data record cluster, and identifying, using the ranked plurality of feature data fields, a first and a second feature data field of the plurality of feature data fields. The method includes generating the dynamic challenge passphrase data object, wherein the first or the second feature data field is used to establish a statement string portion, and a remaining one of the first or the second feature data field is used to establish a question string portion and a correct response string.

A system may transmit a time-based token to the merchant device. The system may receive a second merchant session key, a customer session key, a customer ID, a customer device certificate, and a second transaction amount from a customer device. The system may further match the first merchant session key to the second merchant session key, and transmit the time-based token to the customer device in response to the first merchant session key matching the second merchant session key.

A device may configure a browser to permit cash payments for online transactions. The device may monitor a browser session of the browser. The device may detect, during the browser session, navigation of the browser to a transaction page of a website. The transaction page may be configured to facilitate an online transaction with the website. The device may determine, based on detecting the navigation of the browser to the transaction page, that a cash payment is to be provided. The device may cause a validation code to be generated. The device may cause, based on the validation code being processed, a virtual transaction card to be generated. The device may facilitate, using virtual card information associated with the virtual transaction card, execution of the online transaction.

A system, method and apparatus for resource access control. An authorization record is created when a requestor has been authorized to access a resource, the authorization record created from an authorization event template stored on an authorization blockchain network. The authorization resource comprises one or more conditions that must generally be true in order for the user to access the resource. The authorization record may additionally comprise one or more permissions for the user to manage the resource.

Provided is a method of proving ownership and an ownership transfer history using a decentralized identifier (DID). The method includes identifying, by a verifier terminal, a product through a DID and identifying an initial producer of the product through the DID, generating, by the verifier terminal, a proof-of-ownership verifiable credential (VC) of the product, which includes metadata including information on the VC, security information (claims) including information on a belonging, and issuing organization electronic signature information (proof) including a digital signature method and a signature value for content certification of the VC, and providing, by the verifier terminal, the generated proof-of-ownership VC of the product to the producer of the product and storing a DID document of the produced product in a decentralized external storage in a decentralized manner.

A method for contactless payment is disclosed. The method comprises, at a point of sale, initiating payment by transmitting a token from a first device to a second device using a speaker associated with a first device, and a microphone associated with the second device; transmitting the token from the second device to a payment server; authenticating the token by the payment server; and upon successful authentication of the token, determining with a payment server whether the authorize of the payment.

A method and system for conducting and recording insurance claim transactions using blockchain is provided. The method comprises the steps of: receiving a first verification element from a claimant at an authenticated provider device of a provider; verifying an eligibility of said claimant at a financer and an eligibility of said provider at a provider network according to said first verification element and said provider device; receiving a second verification element from said claimant at said provider device, said second verification element being distinct from said first verification element; conducting said insurance claim transaction by triggering a transaction chaincode at said provider device according to said second verification element; recording an entry of said insurance claim transaction on a blockchain ledger of a blockchain system; wherein a hashed value of an irreversible hash of said first verification element and said second verification element is stored in a global ledger of said blockchain system, and said entry of insurance claim transaction is stored in a private ledger of said blockchain system only accessible by said financer and said provider network; wherein a proof of claim of said insurance claim transaction is collected from said provider device at the time said transaction chaincode is triggered.

Embodiments of the present invention provide a system for authenticating and tracking resource distributions of secondary users. The system is configured for receiving a registration request from a primary user, wherein the registration request is associated with registration of one or more secondary users, in response to receiving the request, generating user credentials for each of the one or more secondary users, associating the user credentials with a primary user identification of the primary user, receiving a resource distribution request from a secondary user of the one or more secondary users, authenticating the secondary user, and processing the resource distribution request based on authenticating the secondary user.

Systems and methods for secure communication of data packets are described using a communications gateway and protocol. One or more payment generator devices utilize trusted execution environments to store identity attestation parameters which are then utilized during registration and/or validation of device identity at the gateway for secure transmission of secure data, including, for example, payment data.