Techniques described herein include a platform and process enabling an electronic appliance to locally store payment credentials, loyalty point information, receive price comparison information for an item, redeem rewards or loyalty points to determine a best offer for the item, and enable delivery of said item to a user with minimal user interaction. In some embodiments, an electronic appliance can receive a query for offers for an item, receive order information from a plurality of merchants about the item, and apply loyalty points to determine an offer for the item. Upon receiving confirmation the electronic appliance may transmit access credentials for ordering the item for delivery and updating the loyalty point information for the account utilized to purchase the item from the determined offer.

A method includes receiving, by a cryptocurrency-based payment backing account device of a cryptocurrency payment system, a lock instruction from a network computing device to lock an amount of system cryptocurrency based on real-time payment information regarding a cryptocurrency-based payment from a source computing device to a destination computing device. The method further includes determining, by the cryptocurrency-based payment backing account device, a cryptocurrency-based payment backing account associated with the real-time payment information and locking the amount of system cryptocurrency. The method further includes when the release instruction from the network computing device is received, releasing the amount of the system cryptocurrency and when the consume instruction from the network computing device is received, transferring the amount of the system cryptocurrency to an account associated with the network computing device to cover the cryptocurrency-based payment.

Techniques for providing to a user with an anonymous user signature on a message in a distributed decentralized network are presented. The techniques use a hardware security module and a certificate authority. The certificate authority: obtains a credential that includes a certificate for the user, where the certificate includes a user public key and a plurality of user attributes; receives a request for a signature on the message, where the request includes an indication of a subset of the plurality of user attributes to be revealed; accesses from the hardware security module a user secret key; and provides to the user at least the message signed by the user secret key and a zero-knowledge proof that establishes that the message is signed by the user secret key corresponding to the user public key in the credential without revealing the plurality of user attributes.

A networked identity authentication system is provided for authenticating an identity of an actor to a transacting party based on a pre-existing relationship between the actor and an identifying party. The transacting party and identifying party are each in secure communication with an intermediary party. The intermediary party issues a dynamic identifier to one of the transacting party and identifying party. The dynamic identifier is provided to the actor, who is authenticated by the identifying party. The actor presents the dynamic identifier to the other of the transacting party and identifying party, which sends the dynamic identifier to the intermediary party. The intermediary party authenticates the identity of the actor to the transacting party if the received dynamic identifier matches the dynamic identifier which it previously issued.

A method of generating a shared augmented reality payment authentication entry interface includes detecting a first consumer device and a second consumer device; prompting a display of a first augmented reality payment authentication interface at the first consumer device; and prompting a display of a second augmented reality payment authentication interface at the second consumer device.

Disclosed in the present application is an electric energy and carbon emission measurement accounting method based on a digital payment wallet and a blockchain. Automatic measurements on power generation capacity (electricity supply data) and power consumption (electricity consumption data) of a regional power distribution network are performed by the blockchain in combination with the digital payment wallet. Problems about establishment, authentication, and right confirmation of a digital identity of a smart meter are resolved. An accounting value of carbon emission from energy consumption of an intra-regional energy network is generated by subtracting an electric energy consumption value from an intra-regional electric energy supply value, and intra-regional carbon emission is measured based on the accounting value of the carbon emission from the energy consumption of the intra-regional energy network. A problem that the carbon emission cannot be accurately traced back by an amount of consumed electric energy is resolved.

Systems, methods, articles of manufacture, and computer-readable media for secure authentication based on identity data stored in a contactless card associated with an account. An application may receive an indication specifying to perform an operation. The application may receive encrypted data from the card. The application may receive an indication that the authentication server decrypted the encrypted data. The application may determine a type of data required to authorize the operation. The application may receive data comprising passport data or driver license data from the card. The application may determine that the data satisfies a rule for authorizing the operation and authorize performance of the operation based on the authentication server verifying the encrypted data and the data satisfying the at least one rule.

Provided are a system and method for authenticating a transaction. The authentication method may be performed by a user computing device, and may include providing, to a merchant device, account information for payment of a transaction, receiving, from the merchant device, a request to authenticate the transaction using payment software of the user device, and executing the payment software in a virtual environment. The executed payment software may authenticate, with an external server, that the account is paired with the payment software of the user device, and transmit a result of the authenticating to a payment network.

Association information received from a number of mobile devices is recorded at a server end, where each mobile device is associated with a user that is pre-registered with the server end. An identification request is received at the server end and from a cashier device, where the identification request includes identity information associated with a particular user. One or more payment candidates corresponding to the cashier device are determined by the server end. A particular user account corresponding to the particular user is determined by the server end by comparing the identity information from the identification request with identity information associated with each of the payment candidates. The particular user account is returned by the server end to the cashier device for making a payment.

Provided is a computer-implemented method for implementing a blockchain-based entity identification network. The method includes establishing a blockchain network including a plurality of nodes, the plurality of nodes including a plurality of client nodes and a plurality of entity nodes, maintaining a distributed ledger on a plurality of administrative nodes of the blockchain network, receiving, from at least one node of the plurality of nodes, entity data and at least one entity identifier, the entity data corresponding to the at least one entity identifier, publishing the entity data to the distributed ledger, querying the distributed ledger based on at least one entity identifier received from a client node, and determining, based on the distributed ledger, entity data corresponding to the at least one entity identifier received from the client node.