A system and method are disclosed that prevent fraudulent transactions involving a machine and a machine account. The system and method generate a profile for a machine and continuously identify and validate the machine to allow a machine account to be used for conducting transactions. The system and method use information or data provided by the machine for authentication. The data provided by the machine includes any combination of sensor data, historical data, activity data, location data, transaction data and any other data related to the machine and its actions. The machine sends or initiates requests for transactions. The requests are analyzed and allowed to be completed or the requests are declined.

Methods, systems, and computer program products for implementing a payment integration process for travel management systems. A payment integration request associated with a payment identification from a travel provider system is received. Payment transaction data associated with the payment identification from a payment gateway using the payment identification is obtained. Travel records data associated with the payment identification from a reservation system is obtained. Payment integration data associated with the payment identification is determined by performing a sanity check of the payment transaction data and the travel record data, validating the payment transaction data and the travel record data, and generating the payment integration data based on the sanity check and the validation of the payment transaction data and the travel record data. Payment integration data to be integrated into the travel record is provided.

Aspects described herein include using proximity technology such as beacon devices or geofences to detect physical presence at a physical location. Presence information may be generated and included in a non-fungible token (NFT). The NFT may be provided to a digital wallet. The identity of an individual associated with the digital wallet may be authenticated. A distributed ledger may record the transaction that provides the NFT to the digital wallet.

A method, apparatus and computer program product that provides multi-phase privacy-preserving inferencing in a high throughput data environment, e.g., to facilitate fraud prediction, detection and prevention. In one embodiment, two (2) machine learning models are used, a first model that is trained in the clear on first transaction data, and a second model that is trained in the clear but on the first transaction data, and user data. The first model is used to perform inferencing in the clear on the high throughput received data. In this manner, the first model provides a first level evaluation of whether a particular transaction might be fraudulent. If a transaction is flagged in this first phase, a second more secure inference is then carried out using the second model. The inferencing performed by the second model is done on homomorphically encrypted data. Thus, only those transactions marked by the first model are passed to the second model for secure evaluation.

A token issuance system receives a first purchase request for at least one of a good or a service from a merchant at a merchant location. The system generates a payment token based on the purchase request such that the payment token is associated with a proximity condition. The system then determines that a location of a user device that is associated with the purchase request satisfies the proximity condition. In response to the determining that the location of the user device that is associated with the purchase request satisfies the proximity condition, the system provides the payment token to the merchant.

A method for conversion of digital assets to fiat currency using a secondary blockchain and mirrored accounting includes: receiving transaction data corresponding to a first blockchain transaction processed using a first blockchain, the transaction data including a payer identifier, recipient identifier, and blockchain currency amount; validating an entity as an authorized entity associated with the payer identifier; determining a fiat currency amount based on the blockchain currency amount; generating a second blockchain transaction, the second blockchain transaction including an unspent transaction output, destination address associated with the authorized entity, and the blockchain currency amount and/or the fiat currency amount; confirming addition of the second blockchain transaction to a second blockchain; and initiating a transfer for the fiat currency amount from a first transaction account to a second transaction account, the second transaction account being associated with the authorized entity.

A blockchain system secures transaction workflows. The blockchain system includes a first node associated with a first party to a transaction and a second node associated with a second party to the transaction. The first node receives transaction data for the transaction. The first node generates a block for the transaction. The block includes the transaction data, a hash generated using the transaction data, and a hash of a prior block in a node data store of the first node. The first node sends the block to the second node and receives an indication that the second node has verified the block. The first node stores the verified block in the node data store. The first node may enable execution of the transaction after the block has been verified by all nodes involved in the transaction.

The present invention will process and combine data from transaction information and create a verifiable data record of the transaction with accompanying terms, conditions, provisions, and parties and perform operational ratings, rankings, probabilities, assignments, and tokenization in various distributed ledger storage systems. The present invention improves the operation of assurances by identifying complementary components that may be integrated, combined, extended, or transformed and thus provide consolidated holistic benefits for the user.

To manage property records using a multi-layered hybrid distributed ledger architecture, identification information for a particular property is obtained and transmitted to at least one participant in a public distributed ledger network for a public distributed ledger layer. Ownership information for the same particular property is obtained and transmitted to at least one participant in a federated distributed ledger network for a federated distributed ledger layer. Transaction-related documents for the same particular property are obtained and transmitted to at least one participant in a private distributed ledger network for a private distributed ledger. The distributed ledger layers are different layers of a property distributed ledger each having a separate set of consensus rules for appending distributed ledger data to the respective layer. This allows for the immutable preservation of royalty terms and conditions for a property or asset using the distributed ledger.

Systems and methods herein provide event-drive network services. One exemplary method includes providing event-driven services in a network, where the network includes an edge messaging platform, a communication manager coupled to the edge message platform and associated with a first customer, a messaging platform different that the edge message platform, a first computing device coupled to the edge message platform, and a second computing device coupled to the messaging platform. The method includes subscribing, by the first computing device, to a first event topic on the edge message platform; consuming, by the first computing device, a first event published to the first event topic by the communication manager; and publishing a second event to the messaging platform where the second computing device is then permitted to consume the second event from the messaging platform to communicate data included in the second event to a second consumer.