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.

The invention provides methods, systems and computer program products for modifying priority parameters corresponding to a software payment application within a contactless payment card. In an embodiment the invention comprises (i) establishing communication between the contactless payment card and a mobile communication device, (ii) parsing an application directory listing stored within the payment card, (iii) extracting information corresponding to a plurality of software payment applications stored within the payment card, (iv) selecting a software payment application from among the plurality of software payment applications, (v) specifying a modification to a priority tag value associated with the selected software payment application, (vi) receiving an encrypted unique identifier associated with the payment card from an issuer server, and modifying the priority tag associated with the selected software payment application, provided the received encrypted unique identifier matches payment card identifier information stored within the memory of the contactless payment card.

Systems and methods are disclosed for providing a virtual updated appraisal of a valuable asset without an onsite inspection. The appraisal system may provide attestation of the integrity of the updated appraisal generated by verifying the asset through video and image capture transmissions and geolocation data extracted from the transmissions. The updated appraisal may be configured as self-authenticating and recorded in a transaction on a blockchain, accessible via a QR code image. The updated appraisal may be stored in a blockchain wallet and configured as a non-fungible token. The geolocation data can enables the appraisal system to verify the integrity of the submission and thereby reduces the chance of fraud. In this way, updated appraisals generated by the system can increase confidence for insurance companies as to the authenticity and accuracy of the updated appraisal.

A processor-implemented mobile payment method includes: receiving a one-time pad (OTP) key generated based on a plurality of true random numbers; encrypting a payment token based on the OTP key; and performing a payment based on the encrypted payment token.

Disclosed herein are methods and apparatus related to making payments in response to payment requests. For example, a customer device can receive a payment request including billing information and information related to an encryption key. The customer device can obtain the billing information and the information related to the encryption key from the payment request. The customer device can receive an input related to initiating payment of the payment request. After receiving the input related to initiating payment, the customer device can generate a request to initiate payment that includes the information related to the encryption key. The customer device can send the request to initiate payment.

Systems and methods for managing digital identities. In some embodiments, a method is provided, comprising acts of: receiving a request to validate at least one statement about a user; identifying, from the request, a reference to a distributed ledger, the reference comprising an identifier for the distributed ledger and an identifier for a transaction recorded on the distributed ledger; identifying, based at least in part on the identifier for the distributed ledger, at least one node of a network of nodes managing the distributed ledger; and communicating with the at least one node to validate the at least one statement about the user.

The present disclosure relates to a method for providing a payment agency service and a server using same, and a method for registering an authentication certificate, a method for providing a payment agency service, a card company server, and a payment agency server. The method comprises steps of a payment agency server: (a) delivering identity authentication information and a first push token ID delivered from a user terminal to a card company server; (b) delivering a successful authentication result to the user terminal to support generating and saving a public key and a private key of the user; and (c) managing the first push token ID or a second push token ID as an integrated push token ID when the first push token ID and the second push token ID match, and saving registration information including the integrated push token ID and the public key.

Systems and methods for facilitating use of physical tokens in a transit system are disclosed. In one implementation, a method for facilitating use of physical tokens by a server includes generating a token identifier and generating, using a private key associated with the server, a cryptographic signature based on the token identifier. The method further includes transmitting the token identifier and the cryptographic signature to a token dispenser. The token dispenser is configured to dispense a physical token, and the physical token is configured to provide the token identifier and the cryptographic signature to a token validator. The method also includes receiving, from the token dispenser, (i) a first indication that the physical token is dispensed, (ii) selection of a fare type, and (iii) dispenser context data including a dispense location, associating the token identifier with the selected fare type and the dispenser context data, and receiving, from the token validator, a second indication that the physical token is being validated. The second indication (i) is transmitted after the token validator verifies the cryptographic signature using a public key associated with the server, and (ii) includes the token identifier provided by the physical token and validator context data including a validation location. Furthermore, the method includes identifying the fare type associated with the token identifier, accessing, based on the fare type, a set of restrictions governing use of the physical token, and determining whether the physical token is valid based on (i) the accessed set of restrictions, (ii) the validator context data associated with the token identifier provided by the physical token, and (iii) the dispenser context data received from the token validator. Moreover, the method includes transmitting a communication to the ticket validator indicating whether the physical token is valid, wherein the ticket validator, in response to receiving the communication, outputs an indicator whether the physical token is valid.

The invention concerns a process for carrying out transactions which includes issuing electronic tokens marked by a first unique identification code and a monetary value, assigning electronic tokens having a reference code associated with the consumer addressee stored inside to a consumer, and using electronic tokens to carry out transactions such as purchasing goods and/or services at merchants. At the end of each transaction, the consumer reference code is deleted from the tokens used in the transaction and a reference code of the merchant who received the tokens in the transaction is stored in the electronic tokens.

A method of storing data on a blockchain, such as the bitcoin blockchain, is disclosed. The method comprises generating a blockchain transaction having at least one first input and/or at least one first output containing first data (<Content 1>) to be stored on the blockchain, and at least one second input and/or at least one second output containing second data (<Attribute 1>,<Attribute 2>) representing at least one attribute of the first data. At least one second input and/or at least one second output is separate from the or each first input and/or first output.