A method of tokenizing sensitive data from a terminal device includes receiving, a connection request comprising a hardware serial number associated with a terminal device and validating the hardware serial number associated with the terminal device. The method includes sending a command to a terminal device that causes the terminal device to display a prompt for sensitive data associated with a user interacting with the terminal device and receiving an encrypted data packet from the terminal device. The encrypted data packet includes the sensitive data. The method includes sending the encrypted data packet to a gateway system for tokenization, receiving a token that represents the sensitive data, and providing the token to the terminal device.

A dual-pin payment instrument is provided. The payment instrument may provide a user access to funds made donated to the user. The payment instrument may include a first set of credentials that provide access to funds/credit owned by the user. The payment instrument may include a second set of credentials that provide access to funds/credit donated to the user. To an onlooker, use of the payment instrument may not appear any different than typical payment instrument use. However an ability to access donated funds/credit may provide the user access to the donated funds/credit in a respectful manner.

A device for processing electronic payments for the purchase of goods or services is provided. The device includes one or more computer processors in communication with non-transitory computer readable data storage and a display. The data storage includes instructions stored thereon that, when executed by the one or more processors, cause the device to execute a transaction process including receiving purchase data representing one or more goods or services to be purchased, receiving user input to effect a payment transaction, determining a total transaction amount from the purchase data, reading payment credentials from a purchaser's payment device, sending a payment request, receiving data representing a received one time password (OTP), sending the received OTP to the third party authorization server for authentication against a OTP sent by the third party authorization server to a mobile device, and receiving data representing successful authentication from the third party authorization server.

A blockchain-based rough gemstone planning method including scanning rough gemstones and generating one rough gemstone records, recording the rough gemstone record to a rough gemstone blockchain network, receiving a smart contract associated for each rough gemstone record, receiving virtual derivative gemstone records, generating derivative smart contracts for the virtual derivative gemstone records, sending the virtual derivative gemstone records and the derivative smart contracts to a trading network, and receiving price information associated with the virtual derivative gemstone records.

A system and methods for network-enabled cannabis product delivery, 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.

Systems and methods are provided for verifying a user, through an account associated with the user, in connection with a subscription of the user to a service from a service provider. One exemplary system includes a memory having an account for the user, and a platform computing device coupled to and/or including the memory. The computing device is configured to receive a request from the service provider, in connection with the user subscribing to the service, and authenticate the user. When the user is authenticated, the computing device is configured to generate a subscription message for the user comprising assurance data based on the user's account, a timestamp, and an identifier associated with the user, and transmit the subscription message to the service provider, to thereby permit the service provider to rely on the assurance data to verify the user.

Systems and methods for managing digital identities. In some embodiments, a method is provided, comprising acts of: receiving a request to validate at least one statement about a user; identifying, from the request, a reference to a distributed ledger, the reference comprising an identifier for the distributed ledger and an identifier for a transaction recorded on the distributed ledger; identifying, based at least in part on the identifier for the distributed ledger, at least one node of a network of nodes managing the distributed ledger; and communicating with the at least one node to validate the at least one statement about the user

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.

Methods and systems for generating a universal computer model for assessing a risk in an electronic transaction based on one or more risk assessment models are presented. The one or more risk assessment models may be incompatible with each other. Different portions of a risk assessment models may be extracted from the risk assessment models. A node structure is generated for each risk assessment model based on the portions extracted from a corresponding risk assessment model. The node structures generated based on the risk assessment models are merged to produce a merged node structure. The universal computer model is generated based on the merged node structure.

Examples associated with service kiosk device provisioning are described. One example includes receiving at a service kiosk, authentication data associated with a user, data associated with a first device currently assigned to the user, a device specification for a second device to be provided to the user, and provisioning data for the second device. A selected device is selected based on the device specification to serve as the second device. The selected device is selected from a set of devices stored in compartments of the service kiosk and operably connected to the service kiosk. The selected device is configured based on the provisioning data. At a physical interface of the service kiosk, a credential that matches the authentication data associated with the user is received. Physical access is provided to a first compartment into which the user is to store the first device. Physical access is provided to a second compartment from which the user is to retrieve the second device.