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 workstation captures images of illuminated symbols with a solid-state imager. In an embodiment, the workstation includes a removable camera module in the workstation away from the imager. The camera module captures a secondary image through a window. The captured image of the illuminated symbol and the captured secondary image are independently processed.

Precomputed and transactional mixing is believed to allow portable devices, such as smart phones, to send and receive messages, with little extra bandwidth or battery usage, while achieving anonymity for senders and recipients among all messages sent globally in batches defined by short time intervals. To learn anything about which inputs correspond with which outputs of such a batch of messages, the entire cascade of mix devices, each preferably operating independently in a different country, would it is believed have to be compromised.

None of the real-time computation, neither by the mixes nor smartphones, uses full public-key operations - - - resulting it is believed in orders of magnitude performance improvement over previously-known systems.

Aspects include untraceable return addresses, group chat, feed-following and large payloads. Transaction protocols include a variety of payments use cases. Limited anonymity and credential mechanism are based on a new approach to user identification disclosed, in which each user provides a small amount of different identifying information to each mix node, so that comparatively little is revealed to each node individually.

A system and method implemented in an e-commerce system to facilitate transactions between a customer and a vendor is disclosed. The method includes generating the requested at least one QR code and token, wherein the at least one QR code and token includes at least an email field, transmitting the at least one QR code and token, receiving a response email, wherein the response email includes the token, decoding, the token, performing a validation, and processing the transaction, on a condition that the validation(s) are approved.

A method of remotely configuring a banking application based on a detected location of a computing device running the banking application, the method comprising: receiving a beacon identifier relating to a location of the computing device; determining the location of the computing device based on the beacon identifier; transmitting information about the determined location associated with a second authentication level that does not require authentication information; receiving authentication information relating to the user; authenticating the user to access a graphical user interface associated with the determined location based on the received authentication information; transmitting an authentication decision to the computing device; and displaying the graphical user interface instead of the information about the determined location.

Systems and methods for automatic enrollment and identity verification based upon processing a captured image of a document are disclosed herein. Various embodiments enable, for example, a user to enroll in a particular service by taking a photograph of a particular document (e.g., his driver license) with a mobile device. One or more algorithms can then extract relevant data from the captured image. The extracted data (e.g., the person's name, gender, date of birth, height, weight, etc.) can then be used to automatically populate various fields of an enrollment application, thereby reducing the amount of information that the user has to manually input into his mobile device in order to complete the enrollment process. In some embodiments, a set of internal and/or external checks can be run against the data to ensure that the data is valid, has been read correctly, and is consistent with other data.

The claimed group of inventions pertains to IT within the finance industry, notably the automated methods and system for interbank funds transfers from a bank account of one individual to a bank account of another individual using a known social identifier of the funds recipient, without indicating the actual account number of the customer or the details of their payment instrument, as well as funds transfers between two or more bank accounts of the same individual opened with different financial institutions, whose system includes: communication devices of the Sender and the Recipient, computation systems of the Originator bank and the Destination bank, the central server component, the settlement system and the notification service, 3 primary claims, 7 subclaims, FIG. 5.

The present invention relates to payment handling apparatus (10) which is operable to effect payment from a purchaser to a vendor. The payment handling apparatus (10) comprises a purchaser's device running a purchaser program (12) which is operable by the purchaser and a vendor's device running a vendor program (16) which is operable by the vendor. The purchaser's device (12) and the vendor's device (16) are in data communication with each other by way of a communication channel (26). The purchaser program is configured to encrypt a payment message and to convey a payment request to the vendor program by way of the communication channel (26). The payment request comprises the encrypted payment message. The payment handling apparatus is configured to encrypt a confirmation message and to convey a confirmation code to the purchaser program in dependence on receipt of the payment request by the vendor program. The confirmation code comprises the encrypted confirmation message.

A system for building a data table of travel-related data and using the data table to reduce false declines when processing payment transactions is provided. The system includes a travel identifier (TI) computing device configured to receive transaction data that includes travel-related data and cardholder identifiers, the transaction data associated with transactions initiated by a cardholder, identify the travel-related data for the cardholder, and build a data table for storing one or more records within an itinerary data source using the travel-related data. The TI computing device is also configured to receive current transaction data for a current transaction initiated by the cardholder including a current transaction location and a current transaction date. The TI computing device is further configured to authenticate the current transaction data by electronically matching the current transaction location and the current transaction data to the data table stored in the itinerary data source.

The present invention relates to a method and a system for linking QR pay in which, instead of a user running a payment application, scanning a store QR code, and entering a payment amount, a linking system transmits a store QR code and a payment amount to a payment module, and the payment module processes the payment by received store QR code and payment amount, and then transmits the result of the payment to the linking system.