In an embodiment, a financial-institution system receives an identity-validation transmission via a real-time-payment platform. The identity-validation transmission is received in association with a first deposit account that is held at a financial institution that is associated with the financial-institution system. The identity-validation transmission was sent via the real-time-payment platform in association with a second deposit account. The identity of an account holder of the second deposit account is validated based at least in part on the identity-validation transmission.

A method and server system for facilitating customer engagement with an enterprise is disclosed. The server system receives a signal indicative of a request for registering a customer with an enterprise. In response to the receipt of the request, the server system generates an enterprise virtual customer identifier (EVCI), which is configured to map the customer uniquely to information related to a profile of the customer. The EVCI is transmitted to the customer on successful registration of the customer. The EVCI is stored in at least one digital wallet application installed in an electronic device associated with the customer. The stored EVCI in the digital wallet application is configured to facilitate at least one engagement with the enterprise over one or more messaging channels.

Wireless payment systems and methods for electronic payment of bills are provided. In one example, a digital image of a bill and a location of a user device at a time at which the digital image was captured are received by a service provider server. A merchant is determined based on the location of the user device at the time at which the digital image was captured. A merchant-specific bill format of the bill is determined for the merchant. A billed amount is determined by analyzing the digital image using intelligent optical character recognition based on the merchant-specific bill format of the bill. Payment and optionally reward point processing is subsequent performed.

A method includes implementing a distributed digital ledger through a crypto-transactional platform, processing, via the crypto-transactional platform, a first crypto transaction through a payment card, and additionally processing, via the crypto-transactional platform, a second non-crypto transaction through the payment card. The distributed digital ledger is a growing set of records linked through cryptography. As part of processing the first crypto transaction and the second non-crypto transaction through the payment card via the crypto-transactional platform, the method also includes handling security of both the first crypto transaction and the second non-crypto transaction through the payment card via the distributed digital ledger.

Systems and methods for conducting transactions using cards with keys are disclosed. In one embodiment, a method may include: receiving, at a backend for a financial institution in a transaction, a unique identifier for a card, a key read from the card by a card reading device, and additional data received by the card reading device, the card reading device associated with a merchant; retrieving, by the backend, stored additional data associated with the unique identifier; retrieving, by the backend, a stored key associated with the unique identifier in response to the received additional data matching the stored additional data; confirming, by the backend, that the received key and the stored key are related; retrieving, by the backend, a payment mechanism for the transaction; conducting, by the backend, the transaction with the retrieved payment mechanism; and settling, by the backend, the transaction with the merchant.

A method for verifying an identity of an individual as a first party via a first party system by a second party system comprises: sending a request for identification information of the first party; receiving first party information associated with a mobile identification credential (MIC) which the first party system received from an authorizing party system (APS) before the second party system sends the request for identification information of the first party to the first party system, the first party having consented to release the first party information to the second party system, and the first party information having been verified by the APS before the APS sends the MIC to the first party system; using the verified first party information associated with the MIC to verify or not verify an identity of the first party; verifying the identity of the first party before providing services to the first party.

A method for creating a secure channel for updating a digital currency hardware wallet application: upon receiving a security operation execution instruction, obtaining a public key and a certificate number of a host computer from within the security operation execution instruction, obtaining a corresponding certificate of the host computer according to the certificate number, and verifying the certificate of the host computer using the public key of the host computer; when receiving a verification instruction, obtaining the public key of the host computer according to a key version number and a key ID in the verification instruction, generating a receipt according to a temporary public key of the host computer, the public key of the host computer and a generated session key which are in the verification instruction, and sending the receipt to the upper computer; upon receiving the application update instruction, using the session key to decrypt application data ciphertext in the application update instruction, and updating the saved application data using the successfully decrypted application data. By using the digital currency hardware wallet of the present invention, it is possible to prevent the wallet from being attacked, stolen or tampered with, mutual verification of communication parties may be carried out, and encryption and verification are carried out to ensure data privacy and integrity.

Aspects of the subject technology provide for obtaining, displaying, and/or updating order information for electronic devices. An electronic device may receive a link to an order corresponding to a transaction. The transaction may have been performed using the electronic device or another device. The link may include or be provided with an order identifier and authentication information. The electronic device may request order information for the order using the order identifier and the authentication information, and receive the order information responsive to providing the order identifier and the authentication information to a merchant system server using the link. The order information may be stored for display in a wallet application at the electronic device.

The present application provides an application method, system, medium and device of digital assets based on digital product. This method includes: receiving a request from a requester for the display of a digital asset; sending a first identity authentication instruction to the owner of the digital asset according to the display request; receiving a first identity verification instruction sent by the owner of the digital asset according to the first identity authentication instruction; displaying the digital asset to the requester according to the first identity verification instruction, and recording the display of the digital asset to the requester on a transaction block of the blockchain platform. The application can not only improve the security performance of the transaction, but also improve the user experience.

An NFT system operates by: receiving a transaction request corresponding to an item, wherein the item is associated with a POS NFT minted via a blockchain, wherein the transaction request includes POS NFT identification data identifying the POS NFT, and a unique identifier associated with the item; determining when the NFT is authenticated; determining, based on the unique identifier associated with the item, when the POS NFT is associated with the item; and generating credentials data to grant the transaction request when the POS NFT is authenticated and when the POS NFT is associated with the item.