Systems and methods are provided for managing digital identities associated with users. One exemplary method includes receiving, at a computing device, an encrypted message from a communication device associated with a user where the message includes a changed attribute for the user. The method also includes generating a first hash of a first digital identity for the user with the changed attribute and generating a second hash of a second digital identity of the user stored in a ledger data structure. And, in response to the first hash not matching the second hash, the method then includes broadcasting a pending status of the first digital identity to a relying party for the second digital identity, and storing a certification of the changed attribute, received from the relying party in response to the pending status, based on verification of the changed attribute by the relying party.

Provided are systems and methods for facilitating identity verification using decentralized networks. The systems and methods described herein may allow a user to flexibly control the identity information of the user that is sent to and received by a recipient.

A method for submission of payment transaction requests from a point of sale (POS) terminal to a financial institution includes reading payment information from a payment vehicle, reading financial institution routing information from the payment vehicle, reading a payment vehicle certificate from the payment vehicle, requesting consumer authentication information from a consumer, and submitting a payment transaction request to the financial institution using the financial institution routing information, a POS terminal certificate, and the payment vehicle certificate. An authentication certificate for submission of payment transaction requests from a point of sale (POS) terminal to a financial institution may be generated by receiving a request for an authentication certificate from a requestor, the request comprising a requestor ID and one or more capabilities of the requestor, verifying the requestor ID, generating an authentication certificate for the requestor, and returning the generated authentication certificate to the requestor.

A colored coin having an individual gene phenotype applied thereto. Particularly, a colored coin manufactured and having an individual gene phenotype applied thereto such that an individual can be identified, cannot only be circulated freely as a Bitcoin block or colored coin metadata, but also is useful in various fields, such as gene-based character fabrication and gaming.

A method and system for authorizing a secure transaction using a portable device is disclosed. The method includes an authorization process performed in real-time that includes two phases: an authentication phase and a transaction processing phase. In the authentication phase, a resource provider system may receive a cryptogram from a portable device and verify the cryptogram. Upon the resource provider system obtaining an authentication response indicator, the transaction processing phase may include the resource provider system generating and transmitting an authorization request message to a processing computer. The resource provider system may then receive an authorization response message from the processing computer including an authorization response indicator, which completes the authorization process.

The techniques herein are directed generally to a “zero-knowledge” data management network. Users are able to share verifiable proof of data and/or identity information, and businesses are able to request, consume, and act on the data—all without a data storage server or those businesses ever seeing or having access to the raw sensitive information (where server-stored data is viewable only by the intended recipients, which may even be selected after storage). In one embodiment, source data is encrypted with a source encryption key (e.g., source public key), with a rekeying key being an encrypting combination of a source decryption key (e.g., source private key) and a recipient's public key. Without being able to decrypt the data, the storage server can use the rekeying key to re-encrypt the source data with the recipient's public key, to then be decrypted only by the corresponding recipient using its private key, accordingly.

The present disclosure provides a system and method for managing fund transfer. The system has one or more processors and a memory coupled to the processors and enables a user to link financial accounts to a user account, verify KYC documents before linking the financial accounts, and generates a unique code comprising details of the user account to safely transfer funds such as cryptocurrency. The system is further configured to executed at least one financial service request utilizing the unique code. A method for fund transfer and a system architecture for data routing for fund transfer is also provided herein

Systems and methods are disclosed for executing an electronic transaction using a digital wallet. One method includes receiving an express checkout request and electronic transaction data from an electronic transaction browser. The digital wallet system may determine whether a user is enrolled in the digital wallet system. The digital wallet system may transmit a verification request to the electronic transaction browser upon determining the user is enrolled in the digital wallet system. The digital wallet system may receive a verification response from the electronic transaction browser. The digital wallet system may generate a graphical interface including predetermined user data. The digital wallet system may complete an electronic transaction based on the user response.

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.

Provided is a network-enabled method for creating an online account using a network of devices. The method comprises: receiving by an authentication system, a request to create an online account with an online server; generating a visual graphical code by the authentication system, which is displayed on a display screen and comprises a validation identity; acquiring image data of the visual graphical code from a user device with aid of optical detection apparatus, by capturing an image of the visual graphical code displayed on the display screen; processing the image data to extract the validation identity; based on the validation identity identifying an online serve provider associated with the online server and user information categories associated with the online account; and based on identification information related to the user identifying the user, and the data to the online server for the online account with the online server.