Systems and methods for point of sale age verification are disclosed. According to one disclosed embodiment, a system includes: a scanner configured to scan a passive data source on an identification card; and a processor coupled to the scanner, the processor configured to: receive a scanner signal from the scanner; verify an age of a user based on the scanner signal; and transmit verification information to a point of sale device, the point of sale device configured to authorize a sale of age-restricted material based on the verification information.

Methods and systems are described for verifying an identity of a user through contextual knowledge-based authentication. The system described uses contextual knowledge-based authentication. By verifying an identity of a user through contextual knowledge-based authentication, the verification is both more secure and more intuitive to the user. For example, by relying on confidential and/or proprietary information, the system may generate verification questions, the answers to which are known only by the user.

Systems and methods for distributed ledger based distributed transaction processing as a brokered service are disclosed. In one embodiment, a method for generating a plurality of user transaction profiles may include: (1) receiving, at a computer program for a trusted entity, a transaction involving an account for a user; (2) retrieving, by the computer program, transaction profile information for the user, the transaction profile specifying a plurality of transaction profiles for the user, each transaction profile having a different anonymity level; and (3) writing, by the computer program and on a distributed ledger, the transaction to each transaction profile at the anonymity level for the transaction profile. The transaction profiles on the distributed ledger are linked to each other.

A method is disclosed. The method includes transmitting a verification request message comprising one or more personal data elements associated with a user and a target account identifier to an authorizing entity computer. The method includes receiving a verification response message comprising a verification result from the authorizing entity computer. Lastly, the method includes transmitting a credit transaction message comprising a source account identifier and an amount to the authorizing entity computer, which credits an account of the user with the amount

Disclosed herein are system, method, and computer program product embodiments for remote activation of an automated teller machine (ATM) to dispense cash to a customer. The customer may stage a transaction using a mobile application on a mobile device. Upon the staged transaction being authenticated and approved, the customer may visit the ATM. The customer may capture an image being displayed on a display of the ATM using a camera of the mobile device. The captured image may be sent to an application server from the mobile device. The application server may associate the ATM with the staged transaction that is staged using the mobile application, and send instructions to the ATM to dispense cash according to the staged transaction.

A dual-factor PIN based authentication system and method uses a cryptogram provided by a contactless card associated with the client in association with a PIN stored by the contactless card to authenticate the client. In some embodiments, cryptogram authentication may be preconditioned upon a PIN match determination by the contactless card. In other embodiments, the cryptogram may be formed at least in part using the personal identification number (PIN) stored on the contactless card encoded using a dynamic key stored by the contactless card and uniquely associated with the client. Authentication may be achieved by comparing the cryptogram formed using the PIN against an expected cryptogram generated an expected PIN and an expected dynamic key.

A method and system of validating cash transactions which comprises capturing a unique identifier of a banknote, storing the unique identifier against a user identity of a user; and upon receiving the banknote as tender for payment, checking the unique identifier of the banknote against the user identity, requesting an authorization for release of the banknote for payment, and in response to receiving a successful authorization, transmitting an accept banknote message and in response to a failed authorization, transmitting a decline banknote message.

A personal information management system includes: a blockchain server configured to store a blockchain including, for each block, a transaction and a transaction ID for identifying the transaction; and a personal information management apparatus configured to access the blockchain server, wherein the personal information management apparatus is configured to store a second piece of personal information on an individual, which accompanies a first piece of personal information for identifying the individual, in association with a first transaction ID received from the blockchain server, and wherein the blockchain server is configured to generate the first transaction ID, generate a first block including a first piece of converted data which is based on the first piece of personal information and the first transaction ID, add the first block to the blockchain, and transmit the first transaction ID to the personal information management apparatus.

A Digital Payment Device (DPD) including a Digital Transaction Processing Unit (DTPU), a Microcontroller Unit (MCU), and a command generation unit, wherein the command generation unit is operable to generate a DTPU command capable of being authenticated against a targeted security domain of the DTPU, the DTPU command including a payload capable of being executed by the DTPU; and the MCU is operable to communicate the DTPU command to the DTPU for execution by the DTPU.

A method for generating transaction credentials for a user in a transaction, comprising: storing in a mobile device, an encrypted session key, and an encrypted user authentication credential; receiving an authorisation request; initiating a user authorisation process wherein in the event that the user is an authenticated user, the method comprises: decrypting the encrypted session key and encrypted user authentication credential; generating a transaction cryptogram in dependence on the user authentication credential and the session key; transmitting the transaction cryptogram and a user authentication status to a transaction processing entity for use in a transaction.