A security authentication system provides verification without having to directly enter an ID and a password on a user device. In accordance with some aspects, a first user device receives one-time use authentication information from an authentication server without the authentication server receiving user login authentication information from the first user device. The first user device provides for communication of the one-time use authentication information from the first user device to a second user device. The first user device receives one-time password information (OTP), the OTP information initially received at the second user device from the authentication server in response to a request for the OTP information transmitted from the second user device to the authentication server, the request for the OTP information based on the one-time use authentication information. The first user device transmits, to the authentication server, the OTP information for verification of the first user device.

A service server generates a first smart contract programmed to be capable of executing provision of an incentive to a user when a goal indicated by generated challenge content generated is achieved, generates first transaction data including the first smart contract, and transmits the data to a first authentication server. The first authentication server executes a consensus algorithm and records the first transaction data in a distributed ledger to run the first smart contract. The first authentication server notifies a device used by the user of the challenge content. The first authentication server obtains, from the device, second transaction data including first challenge content selected to be registered by the user, and records the second transaction data in the distributed ledger by executing a consensus algorithm.

Embodiments are directed to methods, apparatuses, computer readable media and systems for authenticating a user on a user device across multiple mobile applications. The identity of the user is validated by encoding and subsequently validating cryptographically encrypted data in a shared data store accessible by the mobile applications tied to the same entity. Specifically, the application leverages the authentication process of a trusted mobile application (e.g. a banking mobile application) to authenticate the same user on a untrusted mobile application (e.g. a merchant mobile application).

This application relates to electronic devices, and other systems, methods, and processes for conducting electronic transactions. The electronic transactions may involve a vendor transaction platform and a credential provisioning application. The credential provisioning application, when determined to be compatible with the vendor transaction platform, may prompt for input of a credential to be provisioned during the electronic transaction. The vendor transaction platform is kept active or otherwise prevented from performing a time-out operation while the provisioning is conducted. The provisioned credential may be submitted as payment to complete the electronic transaction and may be stored on the electronic device for use in a subsequent electronic transaction.

Systems and methods are disclosed for electronic transaction messaging conversion. One method comprises receiving an authorization request message from a point of sale (POS) device, the authorization request message comprising transaction data associated with a transaction. Upon validating the authorization request message, a provisional authorization response message may be generated and sent to the POS device. Subsequently, a capture message may be received from the POS device, requesting clearing and settlement of the transaction. The capture message may be validated and translated to a composite message that is single-message system (SMS)-compatible. The composite message may then be sent downstream for further processing.

A system and methods for network-enabled cannabis product delivery and driver release of funds, comprising at least a plurality of network-enabled portals for data entry, legality and identification checks, and more, allowing a user to order delivery of cannabis products from local retailers using third-party drivers that register with the system, for compensation, and allowing for feedback and automated communication between a retailer, driver, and customer using the system, with a driver being able to release funds to a retail outlet after pickup of the order.

System and media for determining whether to conduct a transaction with a consumer claiming an identity. Identity points for the identity are stored in a first blockchain. Past transactions conducted by the party are stored in a second blockchain. Permission to read and/or write to the various blockchains are stored in a third blockchain. When the consumer desires to conduct a transaction, they can append a permission for the counterparty to access the identity and/or transaction chains to their permission chain. The counterparty can then make an informed decision as to whether to conduct the transaction with the consumer based on the information stored in the various blockchains.

This disclosure describes methods, non-transitory computer readable storage media, and systems that utilize a card to provide multi-funding source payment transactions between a plurality of users and a merchant system. For example, in response to a request to process a multi-funding source transaction for a card in connection with a merchant system, the disclosed system accesses an account mapping to determine whether to process the transaction utilizing a plurality of funding sources associated with the card (e.g., based on transaction attributes or merchant attributes). The disclosed system also utilizes the account mapping to determine proportions for processing the transaction with the plurality of funding sources. Additionally, the disclosed system generates authorization messages to send to one or more payment networks for processing the multi-funding source payment transaction utilizing the plurality of funding sources for specific payment amounts based on the proportions.

A method and system for receiving digital artifacts from a management server. The method includes sending a request for a digital artifact from a mobile application to the management server fir display within a specific mobile application generated screen, receiving the digital artifact from the management server, and displaying the digital artifact with the specific mobile application generated screen.

Systems and methods for authenticating parties and transactions are described herein. The systems and methods may be part of an information wallet system. The information wallet system or a separate authentication system in communication with the information wallet system may facilitate verification and/or authentication of the parties. In one embodiment, the authentication system includes an authentication server configured to receive an authentication request from a first party to authenticate a second party. The authentication server is further configured to transmit an information request the second party. The authentication server is configured to receive second party information and to configured to compare the second party information with a verified second party information. The authentication server is configured to transmit an authentication result to the first party device.