Technologies for managing payment authorization request messaging for payment transactions include a transaction management controller for receiving a transaction amount for a payment transaction from a business management engine and payment card data for the payment transaction from a point of interaction device. The transaction management controller inserts the transaction amount and the payment card data into a payment authorization request message, which is transmitted to a payment network. A payment authorization response message is received from the payment network and transmitted by the transaction management controller the business management engine. Other embodiments are described and claimed.

Disclosed is a currency-protocol converged e-mail system, including an e-mail client loaded with a remittance plug-in to provide a user with an e-mail interface with a remittance identifier, and a remittance-mail management server interacting with the e-mail client, an e-mail management server and a fund management server respectively. The remittance-mail management server cooperates with the e-mail management server and the fund management server, the remittance-mail management server judges whether an e-mail message contains the remittance identifier after receiving the e-mail message sent by the e-mail client, wherein if so, the remittance-mail management server dispatches the e-mail management server to send the e-mail message and dispatches the fund management server to perform remittance operations according to the remittance identifier; if not, the remittance-mail management server only dispatches the e-mail management server to send the e-mail message. The same platform and cross-platform synchronous transmission of information and value can be realized.

Disclosed are a CPK-based digital bank, a digital currency and a payment method. The digital currency is a core component of the digital bank. The digital currency is realized by means of a CPK digital signature, and a payer provides an account authenticity certification, an amount authenticity certification and a fund allocation authenticity certification, thereby effectively preventing crimes inside or outside a bank. The digital currency directly takes an account identifier as an account number. The digital currency can be used in on-line operations, as well as off-line operations, thereby satisfying face-to-face trade requirements between a great number of retail accounts. The CPK digital bank is realized by means of a CPK chip without support of other devices, such that everyone can check the authenticity of the digital currency.

A secure PIN entry to verify the cardholder in over-limit transactions of mobile devices receiving payment via POS software. The system includes a POS application installed in the mobile device, which allows payment to be received and which is managed by the server application, an L3 business layer that manages the user interface, experience, and workflows of POS application, a POS memory which enables the software operation of security, key creation and cryptographic algorithms for POS application, a POS security layer which ensures that payment is made safely through POS memory, a PIN application that provides the user interface for secure PIN entry and securely forwards PIN entry to the POS application, a PIN memory which enables the software operation of security, key creation and cryptographic algorithms for PIN application, and a PIN security layer that enables secure reception and transmission of the PIN through the PIN memory.

A method for payment authorization includes receiving, from a payer device registered with a payer identification merchant identification and transaction information transmitted to the payer device from a merchant device registered with the merchant identification and the payer identification. The method further includes deriving a transaction request from the payer identification and the transaction information; transmitting the transaction request to an acquirer system, receiving an authorization from the acquirer system for a transaction referred to by the transaction information and transmitting transaction approval codes for the transaction to the merchant device based upon the authorization.

Techniques for providing a method of barcode-based mobile payment are described. One example method includes data indicative of a barcode is received from a barcode device in response to the barcode device scanning the barcode on a first client device requesting a service. Authentication information is determined from the received data indicative of the barcode that indicates whether the first client device corresponds to an account; in response to determining that the first client device corresponds to the account from the authentication information. An account limit is determined for the first client device from the account. A service requested amount is determined in the authentication information from the first client device and does not exceed the account limit. In response to determining the service requested amount does not exceed the account limit, data indicative of an acceptance of the requested service is transmitted to the first client device.

Systems and methods are provided for adjustment of difficulty level, quantity, and/or other parameters of knowledge-based authentication. The questions may be asked of a consumer based on one or more generated risk scores associated with the consumer's behavior, which may be derived from information received from the consumer, a representative responsible for entering information regarding the consumer, and/or from the consumer's computing device.

Methods and systems for registering identity of a mining node on a blockchain in a blockchain network. The methods may include creating a validity-check transaction having a first output controlled by the mining node and containing a miner identifier and propagating the validity-check transaction on the blockchain network. The methods may further include mining, by the mining node, a new block containing a generation transaction, wherein the generation transaction includes an information field that contains the miner identifier and a reference to the validity-check transaction. Another node may validate identity by receiving the miner identifier and the reference to the validity-check transaction, retrieving the validity-check transaction to confirm it contains the miner identifier, and determining that the first output is an unspent transaction output.

Methods and system of recording work history of a mining node on a blockchain in a blockchain network. The methods may include mining a first block containing a registration generation transaction that includes, within a registration information field, a miner identifier for the mining node; and mining two or more additional blocks in an order, each additional block containing a generation transaction that includes an information field containing the miner identifier, a reference to the generation transaction of the preceding additional block in the order, wherein the registration generation transaction is a first block in the order. Work history may be verified by tracing the recorded work history and validating the miner identifier. Recorded work history may serve as the basis for a reputation score for the miner, which reflects contributed work evidenced by the proof-of-work secured work history.

The invention provides improved Simplified Payment Verification (SPV) solutions for blockchain-implemented transfers. It is suited for, but not limited to, implementation in one or more SPV wallets, or on smart cards etc. In accordance with one embodiment, a method, system or resource(s) is provided which enables Alice to transfer an asset to Bob. Bob sends Alice a payment transaction template (template Tx3) and requests: the full transaction data for all input transactions (Tx1, Tx2) comprising at least one output that Alice wants to spend as inputs to a transfer (Tx3); the Merkle path for all input transactions (Tx1, Tx2) linking them to their respective Merkle roots associated with their respective block headers; the completed transfer transaction (Tx3). Alice provides this information plus her signature and optionally a change address. Bob can then perform local SPV checks on the input transactions Tx1, Tx2 using transactions Tx1 and Tx2, their corresponding Merkle paths Path 1, Path 2, and Bob's local list of block headers. Bob broadcasts the transfer transaction (Tx3) to the P2P network.