An acquisition part acquires a blockchain in which a plurality of blocks are linked, the blocks store (i) creator information for identifying a creator of a work, (ii) rule information for establishing transaction rules of the work, (iii) information relating to a virtual currency used for a transaction of the work, and (iv) a transfer history of the work and information relating to an exploitation right which is a right established for the work and allows others to use the work. A license information specification part specifies a grantor and a license fee of the exploitation right. A received amount transfer part subtracts a creator's receiving amount from a balance of the virtual currency associated with the grantor, and adds the creator's receiving amount to a balance of the virtual currency associated with a person or management organization designated by the creator of the work.

Methods and systems enable merchants to accept payments through a service provider from a consumer using an app on a mobile device, for example, without redirecting the consumer to the service provider and without collecting the customer's service provider password (a separate PIN may be used). An example of an app on a mobile device is given, but secure payments are also enabled for purchases and other transactions for a website, a merchant, or a service provider who needs to accept payments from customers. A two-key approach allows a merchant, using the two keys—a collection key for merchant apps and general servers and a private, more secure, charge key for merchant “back-end” systems—to collect a user's username and personal identification number (PIN) for acquiring payments through a service provider without compromising the user's service provider username and password (the PIN is distinct from the password).

Embodiments provide a computer-executed method, a computing device, and computer program product for enabling indication of a relevance of an item. The method includes displaying a consumer interface on a visual display of a computing device associated with a consumer, the consumer interface rendering representations of one or more items. The method also includes receiving, at the computing device, an indication of consumer input with respect to at least one of the items. The method also includes, based on a determination that the consumer input corresponds to a relevance command, adjusting the display of the representations of the one or more items on the consumer interface. The method further includes, based on the relevance command, determining a relevance indication of a characteristic of the at least one item to the consumer.

A user may provide a financial card to an automated teller machine (ATM) or point of sale (POS) terminal and may be authenticated by providing a gesture and/or an image selection via a mobile device to the ATM or the POS. The gesture and/or image selection may be provided using a touchscreen of the mobile device. The gesture and/or image provided by the user via the mobile device may be compared to a stored gesture and/or image provided by the user during an earlier registration of the financial card. If there is a match between the gesture and/or image provided by the user via the mobile device and the previously stored gesture and/or image, then the user is authenticated and may access an account associated with the financial card.

In some embodiments, methods and systems are provided for automatically refueling vehicles of authenticated customers of a retailer. After the vehicle driven by an operator is scanned at a refueling station of the retailer and identified as a vehicle associated with an authorized customer of the retailer, the operator and/or the operator's personal electronic device are scanned in order to verify that the operator of the authenticated vehicle is a customer of the retailer authorized to fill up his/her car at the refueling station of the retailer. When both the vehicle and the operator of the vehicle are authenticated and verified, a vehicle refueling device dispenses gasoline to fill up the gas tank of the vehicle.

Systems and methods for programmatic access of a financial institution system. A normalized API request provided by an application system specifies user information corresponding to at least one account endpoint of an external financial institution system. Responsive to the request, at least one application proxy instance associated with the normalized API request is used to collect transaction information from a corresponding financial institution system by providing the financial institution system with a proprietary API request that specifies at least account credentials associated with the user information. The transaction information is included in at least one proprietary API response provided by the financial institution system. A normalized API response is generated based on the collected transaction information and provided to the application system. Each application proxy instance is constructed to simulate an application of the corresponding financial institution system on behalf of a user associated with the application proxy instance.

A method for controlling a computer device comprising a graphic user interface is disclosed. The method comprises implementation, by a data-processing module, of: requesting a user to enter a code on the graphic user interface by means of a virtual keyboard, comprising randomly arranged elements, the code consisting of a sequence of elements of the virtual keyboard; for an element of the sequence constituting the code: if a first type of gesture performed by the user on the graphic user interface is detected, changing a current element of a list of possible elements of the virtual keyboard corresponding respectively to one of the elements of the virtual keyboard; if a second type of gesture, different from the first type of gesture, performed by the user on the user interface is detected, validating the current element as an element of the sequence constituting the code.

The technology described in this document can be embodied in a method that includes receiving, at one or more servers from a first computing device, (i) authentication information identifying a user-account associated with (a) the first computing device or (b) an application executing on the first computing device, and (ii) a transaction identifier generated by a second computing device. The transaction identifier is obtained by the first computing device by detecting one or more parameters of a magnetic field generated by the second computing device. The method also includes determining, by the one or more servers, that the user-account is authorized to initiate a transaction identified by the transaction identifier, and in response to determining that the user-account is authorized to initiate the transaction, transmitting, from the one or more servers to the second computing device, confirmation information usable by the second computing device to proceed with the transaction.

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

The present application provides a method and system for providing and verifying a two-dimensional code. During operation, the system receives, from a terminal of a first user, a two-dimensional code generation request comprising service data, which comprises at least an identifier of the first user. The system obtains a picture that is identifiable by naked eyes, associates the obtained picture with the identifier of the first user, and stores the association between the obtained picture and the identifier of the first user. The system generates a two-dimensional code based on the service data or based on a combination of the service data and the obtained picture and provides the two-dimensional code and the obtained picture to the first user, thereby facilitating the first user to display the two-dimensional code and the obtained picture when providing services.