Systems and methods are disclosed for secure transmission of account information messages. One method comprises receiving account information; providing a notification to a third party regarding the account information; receiving a first request for information regarding the notification from the third party; providing a response to the third party regarding the first request; receiving data from the third party; using the data to generate a message including details about the account, wherein at least some of the details about the account are encrypted; receiving a second request for information regarding the notification from the third party; and providing the message to the third party.

Aspects of a storage device include performing offline transactions to access a service without Internet availability. A user may download, from a server onto a wireless device, an application in which a vendor of one or more services holds a vendor account. The user funds an account with the application. Thereupon, the user enters a region without Internet access, the region including one of the vendor services. Upon requesting access to the service using a local network connection, the user requests access and receives a response to tender payment. The payment is deducted locally and recorded, after which the service may be accessed. Upon reestablishing Internet access, officially executing the transaction via the server.

A method and system for receiving digital artifacts from a management server. The method includes sending a request for a digital artifact from a mobile application to the management server fir display within a specific mobile application generated screen, receiving the digital artifact from the management server, and displaying the digital artifact with the specific mobile application generated screen.

The present disclosure describes techniques for generating a digital twin to represent the chemical properties, elemental properties, elemental components, parametric components, and/or molecular components for a resource. A sample of a resource may be obtained and analyzed to identify one or more molecular descriptors contained in the resource. Further analysis of the one or more molecular descriptors and/or the resource may identify gaps in the data and/or information about the resource. Using machine-learning models and a chemistry knowledgebase, the gaps in the data and/or information about the resource may be filled. Further, the machine-learning models described herein may be used to generate a digital twin of the resource that represents the resource in a digital form such that the resource may be tracked accurately throughout its lifecycle, including how the resource may change due to environmental conditions, storage conditions, and/or custodial changes.

An apparatus and method for user identity control are provided. The apparatus includes a communication unit, a storage unit including a unique ID and a plurality of sections, each section including different identity information, and a controller for, in response to a transaction request, transmitting a request for identity information to an authorization server via the communication unit, and for, in response to authorization information received from the authorization server, transmitting identity information to a third party to complete the transaction according to the received authorization information.

A personal/client identification and verification process, pseudonymous system and transaction network for monitoring and restricting transactions of cryptography-based electronic money. The present invention—“legal identity-linked credential authentication protocol” is a protocol providing a practical solution for the issues related to cryptocurrency theft, KYC and AML, while maintaining user privacy.

A system and method for creating and accessing a bifurcated digital wallet is described. The method comprises of processor implemented steps of authenticating by an authentication server one or more authentication information sent by a user terminal to the authentication server; extracting a first set of information by the authentication server based on the authentication of the authentication information; extracting a second set of information by one or more second servers based on the authentication of the authentication information; collating the first set of information and second set of information and displaying the collated information at the user terminal for processing a transaction.

Methods, systems, and apparatus, including computer programs encoded on computer storage media, for conducting cardless payment transactions. One of the methods includes receiving from a merchant computer an indication of a payment transaction by a user associated with a mobile phone number. A text message is provided to a device associated with the mobile phone number requesting approval for the payment transaction, wherein the message includes an approval code. A message is received from the device associated with the mobile phone number. If the text message from the device associated with the mobile phone number includes the provided approval code, account information associated with the mobile phone number is obtained, authorization for the payment transaction is obtained using the account information, and notification of authorization of the payment transaction is provided to a merchant conducting the payment transaction.

Systems, apparatuses, and methods are provided herein for processing a merchandise return transaction. A system for processing a merchandise return transaction comprising: a user interface for allowing direct entry of information by a customer without assistance from a worker; a database; and a control circuit coupled to the user interface and the database, the control circuit configured to execute the return transaction by: obtaining from the customer identifier relating to a purchase transaction in which at least one item was previously purchased; identifying a product item from the purchase transaction to be returned; obtaining from the customer a reason for the product item to be returned; obtaining from the customer a preferred tender for the return transaction; authorizing the return; and providing instructions to the customer for returning the product item to a retail facility.

There are provided systems and methods for shared authentication for limited use of an associated account based on user location and connected devices. A user may own a location where another user may visit or rent. The user may have a payment account that may be used with merchants to purchase items that are associated with the location or offered with use of the location. The user may set up the payment account to have a shared authentication mechanism with other users that utilize the location to allow the other users to pay for items using the payment account. The authentication mechanism may be a credential that may be pushed to a device of one or more of the other users when the other users are at or nearby the location or may be information of the other users that may be matched during transaction processing.