Systems, methods, and non-transitory computer-readable media for authentication and authorizing a payment request. In one embodiment, the system includes a server including a first memory and a first electronic processor communicatively connected to the first memory. The first electronic processor is configured to receive the payment request, three-domain secure (3DS) data, and fast ID online (FIDO) data, output an authentication request that includes a portion of the 3DS data and a portion of the FIDO data, receive an authentication response based on the 3DS data and the FIDO data, the authentication response including one or more authentications, output the payment request based on the authentication response, and receive an authorization or a denial of the payment request.

A system and method for secure cryptocurrency transactions with identification information includes a server arrangement communicably coupled to a distributed ledger-based platform, where the server arrangement adds information related to the transaction in the metadata of the transaction. This allows for the availability of information regarding the transaction and also track the transaction, the senders and the receivers of the transaction, if need be. Further, the system may include an additional aspect of an approving authority signing and approving a transaction based on the authenticity of the sender and receiver information, associated with the cryptocurrency transaction.

A settlement system with higher security which replaces a settlement system using credit cards is provided. The settlement system has a user terminal, a settlement device, and a settlement terminal. First, a user ID, a password, and upper limit amount information identifying an amount are inputted in a user terminal 100 (S912), and sent to the settlement device (S913). The settlement device performs credit determination (S922), generates temporary permission information if credit is possible (S923), and sends the temporary permission information to the user terminal (S924). The user terminal generates a one-time password (S915). The one-time password is inputted to the settlement terminal (S931). If the one-time password sent from the settlement terminal to the settlement device is identical to the one-time password created in the settlement device, the settlement device allows a user's payment (S928).

Systems and methods are provided for verifying identities of users. One exemplary method includes generating a unique identifier (ID) for a user, generating a public/private key pair associated with the unique ID for the user, and receiving at least two images. The images include a first image associated with a physical document indicative of an identity of the user and a second image comprising an image of at least part of the user. The exemplary method further includes validating an integrity of the first image, converting at least the first image to one-way hashed data, when the integrity of the first image is valid, and transmitting the hashed data signed with the private key, the unique ID and the public key to an identification provider, whereby a digital identity record for the user is stored in a ledger data structure.

Systems and methods for authenticating transactions from a mobile device are described, including authenticating a user and a merchant location. A remote server receives an authentication request from a point-of-sale device, and requests that a user's mobile device use an associated camera to take a picture of the user at the merchant location. The remote server then processes the picture to determine the authenticity of the user and the location, and provides an authentication approval or denial to the point-of-sale device, instructing the point-of-sale device to execute, or not to execute, the transaction.

Disclosed herein are system, method, and computer program product embodiments for using a third party dynamic QR code on a personal mobile device to complete a transaction at an ATM. The customer may stage a transaction using a mobile application on a mobile device. Upon the staged transaction being authenticated and approved, a machine readable image may be transmitted to the mobile device. When the customer visits the ATM, the machine readable image on the mobile device may be captured by the ATM and sent to an application server from the ATM. The application server may associate the ATM with the staged transaction that is staged using the mobile application, and send instructions to the ATM to dispense cash according to the staged transaction.

The present invention relates to a method, system, and program product for depositing, holding and/or distributing collateral in the form of a stable value token for a security token, the tokens being on the same underlying blockchain. Furthermore, the present invention relates to methods, systems, and program products for lending digital assets, such as crypto currency and other related products.

A method for handling one or more items in an item storage in a communication network. The method includes initiating a procedure for handling one or more items in an item storage based on an input related to a user in the communication network, and selecting a position related to an item of the one or more items based on the input. Further, the method includes guiding the user to the selected position via triggering a guiding indication associated with the selected position, and detecting a pattern change in a registered pattern, wherein the pattern change is due to movement of an item associated with the selected position or movement of another item. Upon detection of the pattern change, a confirmation indication is sent for confirming handling of the item back to the user.

The present invention puts forward a personal electronic access permission (Figure B, 31) that can both check on the customer's identity (Figure A, step 2) and right to access an event/venue in one scanning event, and address the unwanted secondary market, still enabling a customer (Figure D, 5) to sell back an electronic access permission to the system (Figure D, I) in case the customer is not able to attend the event.

A control method according to the present disclosure is control method for controlling a first node that manages a first blockchain in a first distributed ledger in a system utilized to use a service object and including the first node and a plurality of second nodes that each manage a second blockchain in a second distributed ledger. The control method includes: obtaining first transaction data; determining whether a total number of second nodes, among the plurality of second nodes, that are capable of communication exceeds a predetermined value; and generating a first block containing the first transaction data only when the total number of second nodes that are capable of communication exceeds the predetermined value.