A computer-implemented system and method uses a processor of a device of an expiring virtual currency (EVC) wallet user. An EVC transaction is retrieved that is associated with a blockchain and addressed to an address associated with the EVC wallet. The EVC transaction comprises an expiration date for the EVCs, as part of virtual currency user rules (VCURs). If the expiration date of the EVCs has passed, the method automatically, and without user intervention, transfers the EVCs to a transferee designated in the VCURs.

In embodiments of the disclosure a method is disclosed for exchanging digital tokens from a message-based application is disclosed. The method includes displaying, by a digital wallet GUI, an inventory of tokens that are owned by a user. Each token is linked to a virtual representation of an item and redeemable for an instance of the item. The method also includes receiving an instruction to transfer a digital token from the inventory of tokens to a recipient, receiving a selection of a media content, and embedding a token identifier of the token in an electronic message that is sent to the recipient, such that the recipient can select the selectable media content to accept to the digital token into a respective account of the recipient.

A method, system, and computer program product generate, with a payment network, a first value (a) and a second value (g.sup.a), the second value (g.sup.a) generated based on the first value (a) and a generator value (g); generate, with the payment network, a plurality of random merchant numbers (m.sub.i) for a respective plurality of merchant banks; determine, with the payment network, a merchant product (M) based on a product of the plurality of random merchant numbers (m.sub.i); generate, with the payment network, a public key (pk.sub.i) based on the second value (g.sup.a), the merchant product (M), and the random merchant number (m.sub.i) and a random key (rk.sub.i) based on the merchant product (M) and the random merchant number (m.sub.i) for each respective merchant bank; and communicate, with the payment network, the public key (pk.sub.i) and the random key (rk.sub.i) to at least one respective merchant bank.

A solar panel energy system, energy resource network comprising a plurality of energy resources each capable of delivering a quantum of energy; and a plurality of energy-consuming-devices each capable of accepting a quantum of energy. Each energy resource is associated with an energy-resource-processor which is configured to issue one or more offer-messages in respect of a quantum of energy available for supply from the energy resource Each energy-consuming-device is associated with at least one energy-consuming-processor) that is configured to receive one or more offer-messages in respect of a transaction for receiving a quantum of energy from one of the energy resources The energy-resource-processor and/or the energy-consuming-processor being configured to issue a cryptographically-secured transaction record of the transaction for inclusion within a publicly-available distributed ledger.

Transaction data is obtained relating to a current purchase transaction. An account indicator is retrieved. The transaction data is used to transform the account indicator. The transformed account indicator is encrypted to generate an encrypted account indicator.

A method, system, and computer program product is provided for third-party authorization. The method includes generating an authorization code, encrypting the authorization code with a public key associated with a first system, resulting in an encrypted authorization code, transmitting the encrypted authorization code to the first system, receiving, from the first system, a digitally signed authorization code generated by the first system based on the authorization code and a private key corresponding to the public key associated with the first system, verifying the digitally signed authorization code based on the public key and the authorization code, and in response to verifying the digitally signed authorization code, transmitting an access token to the first system, wherein the access token is configured to authorize a user with the first system.

An application system for authenticating a contactless payment transaction is described, the application system comprising: (i) a verification module configured to receive, from an operating system, a cipher if a customer is authenticated; and (ii) an access module configured to: (a) instruct the operating system to use the cipher to decrypt a transaction personal identification number (PIN) which is stored in a local database in an encrypted form; (b) receive the transaction PIN once decrypted; and (c) use the transaction PIN to access a token, the token being associated with payment details for processing the payment transaction.

The present invention relates to a financial payment method using biometric information, in which biometric information of an individual collected in a mobile device of an affiliated member is transmitted to a mobile device of the individual to allow the biometric information to be authenticated in the mobile device of the individual, and after the authentication of the biometric information, a substitute key that corresponds to a card password preset by the individual is inputted, and a financial payment is requested based on the payment content.

Techniques for providing a digital certificate management for blockchain technologies are described. One example method includes a transaction request including a digital certificate is received from a certificate authority at a node in a blockchain network, and the transaction request is a request to write the digital certificate into a blockchain associated with the blockchain network, and the digital certificate is issued to a node in the blockchain network. A consensus verification result is determined for the transaction request, and the consensus verification result is produced by nodes in the blockchain network. The consensus verification result is compared to a predetermined threshold value. In response to determining the consensus verification result is greater than or equal to the predetermined threshold value, the digital certificate is stored in the blockchain associated with the blockchain network.

A content publisher may transfer an impression token value to a user in response to the content publisher displaying an advertisement for a merchant to the user. The content publisher may record the transfer on a zero knowledge blockchain. The merchant may transfer a conversion token value to the user in response to the user making a purchase from the merchant. The merchant may record the transfer on the zero knowledge blockchain. The user may transfer the impression token value and the conversion token value to a measurement company. The measurement company may calculate attribution and lift results for the advertisement.