Systems, devices, and methods for creating and managing web3 app credentials, including: determining a private key and a public key; encrypting the determined private key into a plurality of separate keys; transmitting the first key to a third party provider; transmitting the second key to a cloud storage device; encrypting the first key and the second key; decrypting the second key; transmitting the decrypted second key; transmitting a transaction sign request to a secure third-party trusted execution environment; performing a user identity verification; transmitting a request to the third party provider for the first key; performing reconstruction of the original private key based on the first key and the second key; and signing a digital wallet transaction based on the reconstructed original private key received from the trusted execution environment.

A method to solicit a user generated response to determine if a consumer made a purchase is provided. The method includes retrieving a transaction information when a consumer is in a point of sale at a retail store. The transaction information is indicative of a purchase of one or more items identified with a unique product code. The method also includes providing, to the consumer, a transaction card indicative of at least a portion of the transaction information; requesting, from the consumer, a validation of the purchase and providing the transaction information to a server when the purchase is validated by the consumer. The method also includes allowing the consumer to modify the transaction information upon request. A system and a non-transitory, computer-readable memory storing instructions to perform the above method are also provided.

A method for receiving and executing a request from an electronic communications device in a point-of-sale location, the device configured to receive, from a device reader, magnetic signature data from a magnetic field produced by the device reader and wirelessly receiving a reader unique identifier from the device reader. The device configured to communicate the magnetic signature data and unique identifier to a backend service as reader identifying data together with customer credentials. The backend service configured to match customer credentials with a customer database, and match reader identifying data to a reader database to verify the reader identify; the backend service configured to use verified reader identity to identify order data received from a terminal and to pass order data to a payment provider for executing payment.

A system includes a location identifier device and a computer system. The location identifier is configured to transmit an identifier to a user device when the user device is within a predetermined range of an area and receive location information from the user device associated with a user. The computer system is configured to receive the location information from the user device within the area via the location identifier device and receive a request for an ATM transaction from the user device. The request includes attribute information associated with the user. The computer system is configured to receive attribute information associated with the user comprising an indication of a license plate within the area and identify, based on a determination that the attribute information at least partially matches the attribute information from the request, the user associated with the request. The computer system is configured to transmit, based on the user device being within the area and the identification of the user, a transaction code to the user device.

A crypto ETP is administered by a portfolio modeling computer/(PMC), a fund administration computer/(FAC), an order taking platform computer/(OTP), a custodian computer/(CC), and a paying agent settlement computer/(PASC). The PMC defines the ETP and captures data for a cryptocurrency index. The CC tracks Underlying Assets held by the ETP, and sends the data to the FAC, which calculates the NAV of the Underlying Assets to generate a Portfolio Composite File/(PCF) sent to the OTP. The OTP receives and validates/confirms with the CC, orders for creations and redemptions of the ETP from Authorized Parties/(APs), in exchange for the Underlying Assets and/or cryptocurrency. The PASC provides settlement on the Exchange in cryptocurrency by: receiving confirmation from the CC of transfer of underlyings, ETPs or cryptocurrency from the APs to a blockchain wallet associated with the PCM; and issuing units of the ETPs, underlyings or cryptocurrency to the APs.

A customer information registration apparatus includes: a matching unit configured to match face data of a customer based on image data acquired by a camera in a shop against face data stored in a storage unit; a storing unit configured to store face data which is not stored in the storage unit into the storage unit in a case where the matching by the matching unit fails; a behavior information acquisition unit configured to acquire behavior information according to a behavior in the shop of the customer; a condition determination unit configured to determine whether or not to delete the face data stored in the storage unit based on the behavior information acquired by the behavior information acquisition unit; and a deletion unit configured to delete the face data stored in the storage unit based on a result of the determination by the condition determination unit are provided.

A system and method for a dynamic-link verification process between an electronic device and a transaction or event. The first step is engagement by a mobile electronic device with an initiator that is linked with a specific verification event that triggers a text message to auto-populate on a mobile electronic device. The message comprising metadata about the user and the event or transaction. The second step is for the electronic device to send the auto-populated message to a message gateway thus initiating the verification of the user. The message gateway works with a management service and one or more databases to verify the identify and other aspects of the user based on instructions provided by the event host. Approval or denial of the transaction or request to gain entry is sent to the mobile device and the event host.

An electronic device comprising circuitry configured to: receive a transaction request, requesting a transaction, in response to a user initiating a transaction at an automated teller machine. The transaction request conforming to a transaction request protocol and including at least a first field for the value of the transaction and a second field for identification of an account for which the transaction is requested. The circuitry retrieves from storage an electronic device identifier associated with the account for which the transaction is requested. It determines whether authentication of the user should be requested based at least on a property of the requested transaction. The circuitry transmits a request for authentication of the user to the electronic device identified by the electronic device identifier; and transmit a transaction instruction to the automated teller machine based on a condition of a response to the request for authentication of the user.

A shopping cart and method of autonomous shopping are provided including a cart chassis, a scale configured to rest on base of the chassis, a basket resting on the scale, wherein weights of products placed in the basket are indicated by the output signal of the scale, a weight guard rail positioned above the product basket and attached to the cart chassis, a user identification unit, a payment module, and a motion sensor.

A method of generating recommendations for a collective profile, the collective profile being linked to a first profile and a second profile. The method may include authenticating a login request from an end user device in association with the collective profile based on credentials associated with the first profile, identifying a query from among a plurality of queries and transmit the query to the end user device, receiving a response to the query, determining that the response is not inconsistent with one or more earlier responses received in association with the second profile and, in response, refining at least one attribute or goal in the collective profile based on the response to generate and store a refined collective profile, and determining whether the refined collective profile results in a new recommendation and, if so, outputting the new recommendation.