This application relates to a financial payment method using biometric information. 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. 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.

Presented are cryptographic digital assets for retail products, methods for making/using such cryptographic digital assets, and computing systems for generating, intermingling, and exchanging blockchain-protected products. A method for provisioning cryptographic digital assets associated with retail product transfers includes broadcasting notifications of a future transaction of a retail product, and receiving, over a distributed computing network from the computing devices of multiple users, requests to participate in the transaction. A select number of users is added to a virtual line associated with the retail product transaction; from the virtual line, a first user is selected to receive the retail product and a second user is selected to receive a cryptographic digital asset containing a digital retail product and a unique digital asset code. The cryptographic digital asset is transferred to the second user’s digital wallet, and the unique digital asset code is recorded on a record block of a blockchain ledger.

Verifying payloads for vending machines, wherein a consumer may purchase a product on their mobile computing device, ping a minted computing device associated with the vending machine, and the minted computing device authorizes the vending machine to dispense the object.

Systems and methods are provided for authenticating users. An exemplary method includes receiving, by a directory server (DS), an authentication request for a transaction to an account where the request includes a token and a cryptogram, and transmitting the token and cryptogram to a digital service server (DSS). The method also includes mapping, by the DSS, the token to an account number for the account, validating the cryptogram, generating a directory server nonce (DSN) for the request, and transmitting the DSN and the account number to the DS. The method further includes transmitting, by the DS, the DSN and the account number to an access control server (ACS) associated with an issuer of the account and, in response to an issuer authentication value (IAV), compiling an accountholder authentication value (AAV) including the IAV, the DSN and an amount of the transaction and transmitting the AAV to a merchant or server.

An encryption method and a decryption method for a payment key are provided. The encryption method includes: generating an AES file key and an AES key through a key store management system; generating, by the back-end system, a SM4 white box secret key, a SM2 public key and a SM2 private key and saving the SM2 private key; receiving the SM4 white box secret key and the SM2 public key sent by the back-end system; encrypting, by using the AES file key, the SM4 white box secret key and the SM2 public key to generate and save a ciphertext of the SM4 white box secret key and the SM2 public key; encrypting, using the SM4 white box secret key, the AES key and the SM2 public key, a plaintext of the payment key issued by an electronic payment system to generate and save a ciphertext of the payment key.

The present disclosure describes transaction-enabling systems and methods for enabling machine resource transactions. A system can include a machine having at least one of a compute task requirement, a networking task requirement, and an energy consumption task requirement; and a controller. The controller can include a resource requirement circuit to determine an amount of a resource for the machine to service task requirement, a resource market circuit to access a resource market, and a resource distribution circuit to execute a transaction of the resource on the resource market in response to the determined amount of the resource.

Systems and methods for forward market price prediction and sale of energy storage capacity are disclosed. An example transaction-enabling system may include a fleet of machines having an aggregate energy storage capacity; and a controller, comprising: an external data circuit structured to monitor an external data source and collect data from the external data source; an expert system circuit structured to predict a forward market price for energy storage capacity based on the collected data and the aggregate energy storage capacity; and a smart contract circuit structured to automatically sell at least a subset of the aggregate energy storage capacity on a forward market for energy storage capacity in response to the predicted forward market price.

A method for generating user-initiated federated identities, said method being characterized in that it comprises: providing a plurality of electronic data sets (104) stored in one or more files (103) of an electronic memory (102) of a first entity (100) being an identity certification subject, each electronic data set (104) including identity information univocally pertaining to a respective second entity or subject (201); accessing one electronic data set (104) selecting (1001) a sub-set of identity information from the accessed electronic data set (104); generating (1002) a digital asset file (302) containing the sub-set of identity information, wherein said step of selecting (1001) is performed either by the first or the second entity, said step of generation (1002) is performed after the step of selection (1001) and is performed by said first entity (100); a subsequent step of automatic generation (1003) of an hash file (301) of said digital asset file (302), said step of generation of said hash file (301) being performed by an electronic computer (101) associated to the first entity (100) and accessing to said memory (102); the method further comprises a step of automatic generation of a transaction (1004) with a third entity or subject (202) comprising the generation of an electronic message containing the hash file (301) and the digital asset file (302) or the digital asset file (302) and an evidence of the hash file (301), wherein the electronic message is at least temporarily stored on said memory (102).

System and method of providing secured coupon redemption with reward distribution in a blockchain (BC) network. A merchant pays for coupon coins to the BC network. When a consumer attempts to redeem a coupon associated with a purchase order, both the merchant and the consumer digitally sign a redemption request and send to the BC network for validation. The request may contain an encrypted order, an encrypted consumer key and an encrypted consumer key, and both signatures. Upon successful validation, the BC network can execute a smart contract to deduct the coupon coin balance and issue reward in the form of BC ownership coin to involved parties.

Method and system for product certification management are provided. A method for product certification management comprises communicating with a plurality of other nodes of the supply chain distributed ledger, identifying, with a product certification management module, a transaction identifier in a transaction record in the supply chain distributed ledger, retrieving transaction metadata associated with the transaction identifier from the supply chain distributed ledger, verifying one or more applicable certifications for the transaction identifier based on the transaction metadata and the plurality of certificate records in the supply chain distributed ledger, the plurality of certificate records each comprising certification metadata and a pointer to a certificate document stored in a certification documents database, and generating certificate verification record comprising a reference to the transaction record and a reference to one or more certificate records associated with the one or more applicable certifications.