A mechanism for privacy protected, portable and decentralized credentialed information issuance, lifecycle administration and access control supporting autonomously verifiable issuer attestation and provenance using blockchain distributed ledger technology. The embodied invention makes unauthorized tampering with credentialed information transparently detectable using local edge validation requiring only the execution of cryptographic libraries as found within the normative Bitcoin Core or equivalent blockchain implementation. The invention prevents unauthorized access, unregulated copy distribution, and orphaned ownership lacking issuer provenance as demonstrated in identity theft. The preferred embodiment provides the foundational capability of tamper resistant content leveraging modification detectable digital information credentialing, remote administration, localized independent state validation, distributed access control, metadata enrichment, application eventing and decentralized processing instruction signaling. The foundational aspect of the preferred embodiment directs authorized credentialed information issuers to persist, store and distribute information content hosted within cryptographically secure blockchain client “container-wallets”.

A user profile scoring platform may analyze a transaction log of a transaction account of a user to determine, based on transactions of the transaction log, a qualification status of the user, wherein the qualification status indicates that a characteristic of the user satisfies a threshold qualification metric. The user profile scoring platform may determine, based on the qualification status, a transaction-based score associated with the user, wherein the transaction-based score is determined using a transaction log analysis model. The user profile scoring platform may obtain, based on receiving the access information, a user score associated with a user transaction history that is associated with a plurality of transaction accounts that are associated with the user and different from the transaction account. The user profile scoring platform may perform an action based on the transaction-based score and the user score.

A method for facilitating payment transactions includes receiving a transaction request for a payment transaction initiated at a payment terminal device using a transaction card of a user. A predefined category of the user is identified based on the transaction request and a service application is remotely activated in a first operation mode on a user device of the user such that the first operation mode is associated with the identified predefined category. Payment transaction messages associated with the payment transaction are communicated to the activated service application, which translates the payment transaction messages to a predefined message format. In response to the payment transaction messages, first authentication information is received from the activated service application such that the first authentication information is entered by the user in the predefined message format. The payment transaction is processed based on successful authentication of the user.

There are provided systems and methods for a machine learning-based network trained to perform risk assessment through device data. A service provider server receives device data of a user device associated with a merchant account registered with a merchant server for a merchant service, and receives, from the merchant server, a request containing a unique token identifier for initiating a risk assessment operation to generate a device assessment score for the user device, where the device assessment score indicates a level of risk between the user device and the merchant account. The service provider server selects a risk assessment engine to perform the risk assessment operation and generates the device assessment score and a narrative for the device assessment score, and sends, to the merchant server through an application programming interface, a message containing a unique device identifier for the user device, the device assessment score and the narrative.

A method of providing subscription for a news channel by a news application of an electronic device is provided. The method displays a summary list of a set of articles from a news channel. The summary list includes an article that requires a subscription to the news channel in order to display the article. The method receives a selection to display the full article. The method determines that the device does not include a subscription to the news channel. The method displays a subscription offer by the news application. The subscription offer is optionally provided by a publisher of the news channel.

The present invention relates to a method and a system for integrated payment. The method for integrated payment includes: receiving, from a user terminal, a first access request corresponding to payment information; generating redirection address information on the basis of the first access request; and transmitting the redirection address information to the user terminal; wherein the redirection address information comprises jump target information and order information corresponding to a transaction order to be paid. The system for integrated payment includes: a receiving unit configured to receive a first access request from a user terminal; a redirection address information generating unit configured to generate redirection address information on the basis of the first access request; and a transmitting unit configured to transmit the redirection address information to the user terminal; where the redirection address information generating unit is further configured to encapsulate order information and transaction amount information corresponding to a transaction order to be paid into the redirection address information.

The present disclosure relates to an information processing device, an information processing terminal, an information processing method, and a program capable of further enhancing convenience of a settlement service. Acquired are an upper limit amount set as an upper limit for payment at a time of purchase of a desired product or service, and identification information assigned to a card used when the payment is made. Then, performed is processing of associating the identification information with and recording the upper limit amount on continuous settlement information that continuously records information regarding a settlement for a payment. The present technology can be applied to, for example, an information processing system that provides a settlement service.

Embodiments of the invention are directed to systems and methods for authenticating a user device using an authenticating device that has previously been associated with a user and/or a credential. The user may initiate a transaction at the user device. An authenticating device associated with the transaction may be sent an authentication request corresponding to the user device. The user may indicate whether or not the user device is authenticated utilizing the authenticating device. If the user device is authenticated, the transaction may proceed. If the user device is not authenticated the transaction may be rejected.

A system and method for securing a private key transaction within blockchain that include receiving an input for initiating a financial transaction between a sender and a recipient. The system and method also include processing a secure wallet that is configured as an encrypted data packet that stores transaction data associated with the financial transaction and account information associated with the sender and the recipient. The system and method additionally include generating a first private key for the sender and a second private key for the recipient. The system and method further include generating a public key that includes encrypted data from the first private key and the second private key and includes the account information associated with the sender and the recipient that is used by at least one blockchain technology provider to pass the financial transaction through the blockchain.

According to various example embodiments, a method of providing order-related information by an electronic device may include obtaining order information on or regarding a purchase item and customer information corresponding to the order information, transmitting the order information and the customer information to an external device, receiving, from the external device, sale-related information on or regarding a sales item that corresponds to the purchase item and is for sale by the customer, and providing at least some of the order information and the sale-related information on a first page.