Systems and methods are disclosed to provide an animated 2D barcode check that is used to securely and efficiently transmit financial information between mobile devices. The financial information includes a check written by a payer and transmitted to a merchant. The check includes account information of the payer and of the merchant with a payment service provider, a payment amount, and a cryptographic signature that has been certified by the payment service provider. The payer's mobile device encodes the check into a sequence of 2D barcodes and displays the sequence of 2D barcodes in a loop that is scanned by a camera on the merchant's mobile device. The merchant uses the cryptographic signature to verify the validity of the signature on the check without having Internet connectivity to the payment service provider. The merchant may later present the check to the payment service provider to receive payment.

A two way authentication method, including receiving by an authentication server first encrypted data from a merchant computing device, receiving by the authentication server second encrypted data from a customer computing device, determining by the authentication server if the first encrypted data matches the second encrypted data, if the first encrypted data matches the second encrypted data, authenticating the customer computing device, if the first encrypted data does not matches the second encrypted data, not authenticating the customer computing device.

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 stateless transaction based on combinational logic. An output of the combinational logic is a function of only the one or more inputs. Based upon the request, a program is selected from a set of a plurality of programs using zero-knowledge verifiable computing to carry out the transaction. The program is executed using zero-knowledge verifiable computing. The execution of the program out the transaction based on combinational logic with the one or more inputs using a zero-knowledge protocol to ensure privacy of the first user device and the second user device. The output of the combinational logic along with proof from the zero-knowledge protocol that the combinational logic was executed without alteration.

Processes and methods for simple and streamlined creation, transmission, and acceptance of payment in the form of a digital image, transformable to interoperate with various modes of legacy processing and settlement. Methods are illustrated to speed clearing and provide guarantee of funds availability. Enhancements are described that provide flexibility in the application and use of payment images that are not possible with other payment mechanisms. And, a system is proposed to implement these processes and methods.

The present invention comprises an electronic carrier and an electronic device. The electronic carrier comprises a microprocessor and a security chip stored with a transaction authorizing key and a transaction confirmation program. The electronic device is installed with a transaction application applicable to a plurality of cryptocurrencies. The transaction application is stored with a plurality of scripts and can generate a transaction request after receiving a cryptocurrency balance through a networking module. The transaction request includes a raw data that is incapable of being executed independently and a target script. The electronic carrier generates a transaction authorization data according to the target script and the raw data, and the transaction authorization data is transferred to the cloud transaction platform for completing the transaction of cryptocurrency. Therefore, the electronic carrier is applicable to various released cryptocurrency types, and the loading of electronic carrier is reduced.

The present application provides techniques for offline payments. The method includes: receiving an offline payment request for an offline payment through a target payment application, the offline payment being made by a user registered with the target payment application; receiving an identity authentication identifier (ID) of the user; determining that the identity authentication ID of the user matches a stored identity authentication ID previously stored for the user on the computing device; in response to determining that the identity authentication ID matches the stored identity authentication ID, receiving an offline payment certificate issued by the target payment application to the user and stored on the computing device; and providing the offline payment certificate to an offline payment service party of the target payment application, the offline payment service party configured to authorize the offline payment based on the offline payment certificate.

Technologies related to mobile credit payment are disclosed. In an implementation, a first SNEP Get Request Message is generated and sent to a mobile computing device, in response to a NFC signal received from the mobile computing device. A first SNEP Response Message is received from the mobile computing device and parsed to identify an APP public key license. A pre-stored credit authorization public key is used to verify the APP public key license and an APP public key is retrieved from the APP public key license if the verification is successful. A second SNEP Get Request Message is sent to the mobile computing device and a second SNEP Response Message is received from the mobile computing device. The APP public key is then used to decrypt the second SNEP Response Message, and a transaction log is recorded if the second SNEP Response Message is successfully decrypted.

A method of issuing blockchain-based digital certificates associated with a gemstone comprising receiving from a user a plurality of gemstone records, each record of the plurality of gemstone records comprising a characteristic indicator associated with a gemstone, receiving from the user meta-information related to the plurality of gemstone records, applying a hashing function to each record of the plurality of gemstone records, generating a plurality of fingerprints, generating a hash tree from the plurality of fingerprints, the hash tree comprising a root hash, recording to a digital certificate gemstone smart contract deployed at a digital certificate gemstone smart contract address on a first blockchain network the root hash and the received meta-information, and signing the digital certificate gemstone smart contract with an issuer signature.

The present disclosure relates to systems, methods, and devices for network payment tokenization for processing payment transactions. In particular, the message system allows a consumer to initiate a payment transaction with a merchant. For example, one or more implementations involve identifying a payment authorization number associated with a user account and sending a request for a payment token to a card network system associated with the payment authorization number. One or more embodiments receive a network payment token representing the payment authorization number and a single-use cryptogram corresponding to the payment transaction. Additionally, one or more embodiments generate and send a payment transaction initiation message including the network payment token and single-use cryptogram to the merchant for processing the payment transaction.

Embodiments of the invention are directed to a system for managing financial tokens associated with a financial account, whereby the system is directed towards generating and authenticating tokens associated with the financial account in order to grant access to a user to conduct financial transactions on the financial account using an Automated Teller Machine (ATM). The system is configured to generate a server token that is associated with at least one financial account; communicate, to a first mobile device, a server packet comprising at least the server token; receive, from an ATM, a security packet communicated from a second mobile device to the ATM comprising at least a device token; authenticate the device token, the authentication comprising comparing the device token with the server token, thereby resulting in a successful authentication of the device token; and communicate the successful authentication to the ATM.