A method for providing a non-face-to-face used goods transaction service, includes: receiving information on a used article wanted to sell from a user terminal; inquiring a market price for the used article based on the received information; receiving user information corresponding to an item required for a sale contract of the used article from the user terminal; generating sales contract information on the user corresponding to the user information and the used article, based on the user information; receiving approval information about the sales contract information from a non-face-to-face goods storage company of the used article; providing the approval information to the user terminal; and receiving confirmation information, from at least one of the user terminal and the non-face-to-face used goods storage company, indicating that a sales price has been paid to the user.

A method and apparatus for mobile emulator determination using sound fingerprinting is disclosed. The method includes a verification computer system receiving a transaction request from a computing device purporting to be a mobile device. Responsive to receiving the request, the verification computer system transmits a request for verification information to the computing device. The verification system includes information regarding a tone to be generated by a speaker of the computing device. Thereafter, verification information is received from the computing device. The verification information includes information tone information generated by the computing device, wherein the tone is, after generation, detected by a microphone. The verification system then verifies, based on the receive verification information, whether the information indicates that the computing device is a mobile device.

Generating self-issued claims anchored by DIDs and using the self-issued claims as self-identification. The computing system generates one or more claims, each of which includes at least information related to (1) a DID, (2) a property of a subject entity who is an owner of the DID, and (3) a value corresponding to the property. For each of the one or more claims, the computing system generates a cryptographic signature by signing the claim with a private key associated with the corresponding DID. The cryptographic signature proves that the claim is a self-issued claim, which is issued by the owner of the corresponding DID and is about the owner of the corresponding DID. A portion of data related to the self-issued claim is then propagated onto a distributed ledger.

The described technology is generally directed towards combining user identity information, corresponding to user profile data, with vehicle information, such as for use by a traffic zone management system that charges a fee for vehicle usage in a traffic zone. A user device, such as a mobile communications device, can be coupled to vehicle information such as via a transponder that is detected by roadside units, or by uploading the combined information to a wireless communications system. Based on the combination of information, different billing rates or the like can be applied to different users and vehicle types. The technology can work with various communication systems, including roadside units and wireless communication networks.

A method for acceptance of blockchain payment at a traditional point of sale device direct to a merchant includes: receiving an authorization request for a fiat payment transaction including a transaction account number, transaction amount, and merchant identifier; identifying blockchain payment acceptance for a transaction account associated with the transaction account number; transmitting an address request to an exchange server including the merchant identifier; receiving a destination address associated with the merchant identifier for a blockchain network from the exchange server; transmitting a new blockchain transaction to a blockchain node in the blockchain network including the destination address and a cryptocurrency amount based on the transaction amount; and transmitting an authorization response for the fiat payment transaction to a payment network for routing to a point of sale device, the authorization response including an indication that clearance and settlement of the fiat payment transaction is not required.

A computing device for risk-based analysis of a payment card transaction is provided herein. The computing device includes a processor communicatively coupled to a memory. The computing device is programmed to receive a request for authentication of the payment card transaction. The payment card transaction includes a suspect consumer presenting a payment card from a digital wallet of a privileged cardholder. The computing device is also programmed to identify fraud feature data from the digital wallet. The computing device is further programmed to compute a fraud score for the payment card transaction based at least in part on the fraud feature data. The computing device is still further programmed to provide the fraud score for use during authentication of the suspect consumer.

In a method for broadcasting account provisioning information, user datum encryption information is transmitted to a plurality of account processing systems. A request to share account provisioning information is received from a user device associated with an account holder. A user datum of the account holder is encrypted using the encryption information and transmitted to the account processing systems. A response is received from at least one of the account processing systems, the response including an indication that the account holder has a transaction account processed by that account processing system. A request for confirmation that the account provisioning information should be shared is sent to the user device and a confirmation response is received from the user device that includes permission to share account provisioning information. Account provisioning information is then transmitted to one or more of the account processing systems.

Methods and systems described in this disclosure for protecting one or more consumer accounts. In one implementation, the system includes a security device and a portable computing device. The portable computing device detects whether it is in proximity to the security device. When the portable computing device is in proximity to the security device, one or more consumer accounts associated with the portable computing device is permitted to be used in a transaction. When the portable computing device is not in proximity to the security device, one or more consumer accounts is prevented from being used in the transaction.

Provided is a control method of controlling locking or unlocking of storage using a blockchain. The control method includes: determining, when first request information indicating a lock/unlock request, that is a lock request or an unlock request, is received from a terminal, whether a keyholder identified by reading keyholder information stored in the blockchain matches an owner of the terminal that has transmitted the first request information, the keyholder information indicating a person having the authority to lock or unlock the storage; performing lock/unlock processing when the keyholder is determined to match the owner, the lock/unlock processing being processing for causing the storage to lock or unlock in accordance with the first request information; and performing first storage processing after the lock/unlock processing is performed, the first storage processing being processing of storing, in the blockchain, transaction data indicating that the lock/unlock processing has been performed.

Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.