Disclosed are CodeChain-based models, apparatuses, systems, methods, and applications. When implementing interaction based on CodeChain, each digital person has identity information, the identity information corresponding to a person represented by the digital person and/or the terminal device used by the person; the method comprising: identifying, by the terminal device, a coding medium generated according to a CodeChain access protocol so as to enable the digital person to access a CodeChain network on behalf of the person; and performing data transfer with another digital person and/or system according to entrustment of the person. Through identification of the coding medium, the access address of the code chain server is obtained, and then the address of the server which actually provides services is obtained from the CodeChain server, such that the service is obtained by providing a service parameter as required.

A method for performing a payment process involves receiving registration information from the user and transmitting the registration information to a card network of the payment system. The card network generates a payment token dependent on the at least one registration information and a corresponding cryptogram for the payment token. The payment token is received from the card network and stored. Payment data is generated using at least the payment token and omitting the cryptogram. The payment data is transmitted to a merchant usable to conduct a transaction with the merchant by the electronic computing device of the user.

Disclosed are methods and apparatuses for creating a verified mutually authenticated transaction between a service provider and an on-line identity for a physical client person. A dynamic optical mark may be displayed on a device screen where the physical client person is using a web service. The dynamic optical mark may be recognized via scanning the dynamic optical mark by a personal mobile device equipped with a camera. The verified mutually authenticated transaction between the service provider and the on-line identity for the physical client person may be used for sharing personal data of the physical client person by using out-of-band optical mark recognition of the dynamic optical mark. The verified mutually authenticated transaction may be initiated with a time-limited one-time password comprising a sequence of numbers encoded in the dynamic optical mark.

Methods, systems, apparatus, and non-transitory computer readable media are described for using a vehicle as a payment device. Various aspects may include receiving a selection of a stored financial card or financial account at a vehicle head unit. The selected financial card or financial account may be transmitted to a point-of-sale (POS) terminal for making a payment by transmitting a tokenized card number to the POS terminal. The tokenized card number may be transmitted over a very short-range communication link to ensure that the transmission is secure. For example, electronic circuitry may be attached to the exterior of the vehicle, where the electronic circuitry may be within a threshold distance (e.g. one inch, three inches, six inches, one foot, three feet, etc.) of the POS terminal. The tokenized card number may be transmitted from the vehicle head unit to the electronic circuitry and then to the POS terminal.

Methods and systems are disclosed for payment authentication. For example, a method may include: the method comprising: storing a first device fingerprint in association with a token representing a primary account number, the first device fingerprint being derived from a device attribute of a user device and behavioral biometric data derived from a behavioral pattern of a user in using the user device; receiving an authentication request indicative of the token and a second device fingerprint generated by a customer device associated with a customer of a merchant, the authentication request being associated with a transaction between the merchant and a customer using the token; identifying the stored first device fingerprint based on the token indicated by the authentication request; and determining whether the second device fingerprint matches the stored first device fingerprint.

A system for interfacing with a decisioning service from a third-party domain. A backend system may receive a request to interface with the decisioning service to generate a prequalification result for a user for a specified product, in response to the actuation of a button included in a third-party web domain rendering a product. The backend system may execute a call on a website of the decisioning service. The backend system may receive the product information from the button. The backend system may generate the website within the third-party domain, including a request for information about the user, in response to executing the call to the website. The backend system may transmit a request for generating prequalification result for the product to the decisioning service. The backend system may receive the prequalification result from the decisioning service.

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.

A system for crypto token linked assets in at least one of a game, a fantasy sport, and a wagering opportunity, the system including a token server storing at least one transaction of at least one licensor crypto token over a network, the token server being programmed to create proof of ownership for at least one of a unique digital asset and a unique physical asset of at least one licensor, analyze the at least one transaction, and associate the at least one licensor to the at least one licensor crypto token, at least one licensor apparatus being programmed to generate and distribute the at least one licensor crypto token, and send the at least one licensor crypto token to the token server, and at least one licensee apparatus being programmed to request use of the at least one licensor crypto token on the token server, and obtain a license to use the at least one licensor crypto token in response to completing the at least one transaction.

Encryption is performed at the field level within a data object, in response to an encryption indicator. Encrypted fields are nulled or zeroed out and the encrypted values are stored in encryption metadata with a path identifying the locations of the encrypted fields. An encrypted data key is appended with a decryption identifier and stored in the encryption metadata. The encrypted data object may be reformatted while encrypted. The encrypted data key is extracted from the encryption metadata and the decryption identifier is used to identify a master key used to decrypt the encrypted data key. The data key is used to decrypt the encrypted values and the decrypted values are stored in the fields identified by the paths.

An information processing system includes a first apparatus, a second apparatus providing a service for fee, and a server. The first apparatus transmits, to the server, identification information and settlement destination information in an associated form, the identification information identifying use of the service, the settlement destination information stored on the first apparatus and identifying a settlement destination of a usage fee for the use of the service. The second apparatus transmits to the server the identification information and fee information in an associated form, the fee information indicating the usage fee for the use identified by the identification information. The server settles the usage fee indicated by the fee information at the settlement destination identified the settlement destination information associated with the identification information.