公开(公告)号：WO2021195357A1

公开(公告)日：2021-09-30

申请号：PCT/US2021/024119

申请日：2021-03-25

Applicant: CADET, Carmelle Perpetuelle Maritza Racine

Inventor： CADET, Carmelle Perpetuelle Maritza Racine

IPC: G06Q20/38 ,  G06Q20/40 ,  G06Q20/06 ,  G06Q20/36 ,  G06Q20/02 ,  H04L9/32 ,  G06Q20/065 ,  G06Q20/3674 ,  G06Q20/3678

Abstract: A method for implementing, within a blockchain platform having at least one anti-money laundering rule, pseudo-anonymous and confidential transaction processing for digital currency issued by a central bank includes receiving, by a digital wallet application executing on a computing device of a first user, from a server maintained by a central bank and maintaining a private blockchain network with at least one AML rule, an identification of a digital wallet provisioned for the first user. The method includes executing, by the digital wallet application, at least one transaction involving digital currency of the first user. The method includes retrieving, by the server, an enumeration of flagged transactions executed by the digital wallet application in association with the digital wallet and recorded in the private blockchain network, the enumeration of flagged transactions identifying transactions that violate the at least one AML rule and excluding the encrypted data.

公开(公告)号：WO2021041014A1

公开(公告)日：2021-03-04

申请号：PCT/US2020/045636

申请日：2020-08-10

Applicant: ANCHOR LABS, INC.

Inventor： MCCAULEY, Nathan P. ,  MONICA, Diogo ,  AVITAL, Boaz ,  FAIZULLABHOY, Riyaz D. ,  PEIXOTO, Joao Manuel Pinto ,  HOWARD, Kristen B.

IPC: G06F21/40 ,  G06F2221/2111 ,  G06N20/00 ,  G06Q20/3278 ,  G06Q20/3674 ,  G06Q20/4016 ,  H04L2209/38 ,  H04L2209/56 ,  H04L9/0637 ,  H04L9/3239 ,  H04L9/3255

Abstract: Methods, systems, and apparatus for risk mitigation for a cryptoasset custodial system include transmitting an endorsement request for a cryptoasset transaction to a user device configured to cause the user device to prompt a user to endorse the cryptoasset transaction. Multiple data points are collected from mobile devices associated with the user. The data points indicate an identity of the user. A cryptographic endorsement of the cryptoasset transaction is received from the user device. A graphical visualization including a risk metric is generated based on the data points. The risk metric indicates a risk of accepting the cryptographic endorsement from the user device. Generating the graphical visualization includes determining whether the plurality of data points matches expected values.

公开(公告)号：WO2022015584A1

公开(公告)日：2022-01-20

申请号：PCT/US2021/041005

申请日：2021-07-09

Applicant: HOME DEPOT INTERNATIONAL, INC.

Inventor： RAMESHA, Apekshith ,  LAFFOON, John ,  PITTS, Stephen

IPC: G06Q20/00 ,  G06Q20/0855 ,  G06Q20/108 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q20/34 ,  G06Q20/3672 ,  G06Q20/3674 ,  G06Q20/401 ,  G06Q2220/00 ,  G06Q30/0185 ,  G06Q40/02 ,  H04L9/32

Abstract: Systems and methods for payment processing include receiving, by a payment terminal, a personal account number to complete a payment. The personal account number is encrypted by the payment terminal. The encrypted personal account number is sent from the payment terminal to a merchant server via a network. The encrypted personal account number is sent from the merchant server to a tokenization service provider server for tokenization and validation via a payment processor. The merchant server receives an indication of whether the transaction was successful and a token from the tokenization service provider server.

公开(公告)号：WO2021252773A1

公开(公告)日：2021-12-16

申请号：PCT/US2021/036826

申请日：2021-06-10

Applicant: SECURRENCY, INC.

Inventor： DONEY, George

IPC: G06Q20/00 ,  G06F16/27 ,  G06F21/604 ,  G06F21/6218 ,  G06F21/6245 ,  G06F2221/2141 ,  G06F2221/2145 ,  G06Q20/3674 ,  G06Q20/38215 ,  G06Q20/3825 ,  G06Q20/3829 ,  G06Q20/389 ,  G06Q20/4016 ,  H04L2209/38 ,  H04L2209/56 ,  H04L2463/102 ,  H04L63/12 ,  H04L9/0894 ,  H04L9/3239 ,  H04L9/3247

Abstract: A method and apparatus for secured, peer-to-peer transfer of data rights over a computer network, the method being accomplished by a distributed computing system including a distributed ledger platform. Root rights are defined and delegated to wallets in a multilevel manner to thereby isolate wallets associated with the root right from cyber risk.

公开(公告)号：WO2021252458A1

公开(公告)日：2021-12-16

申请号：PCT/US2021/036350

申请日：2021-06-08

Applicant: WORLDPAY, LLC

Inventor： DEPOPAS, Ashleigh, D. ,  HILLIS, Ian ,  SCHEFFRIN, Richard ,  WALCHEK, Steven

IPC: G06Q30/06 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/22 ,  G06Q20/38 ,  G06Q20/40 ,  G06F3/0482 ,  G06Q20/027 ,  G06Q20/227 ,  G06Q20/363 ,  G06Q20/367 ,  G06Q20/3672 ,  G06Q20/3674 ,  G06Q20/38215 ,  G06Q20/385 ,  G06Q20/4014 ,  G06Q20/409 ,  G06Q20/42 ,  G06Q30/0233 ,  G06Q30/0236 ,  G06Q30/0601 ,  G06Q30/0633 ,  G06Q30/0641 ,  G06Q40/025 ,  H04L2463/082 ,  H04L63/0807 ,  H04L63/0838

Abstract: Systems and methods are disclosed for executing an electronic transaction using a digital wallet. One method includes receiving electronic transaction information from an electronic transaction browser. An account enrollment status may be determined based on the electronic transaction information by a digital wallet system. The digital wallet system may generate a verification request based on the account enrollment status. The digital wallet system may receive user verification information via the graphical interface. The digital wallet system may also generate or verify a user account in the digital wallet system based on the account enrollment status and the user verification information. In one aspect, the digital wallet system may receive a request to complete an electronic transaction based on the electronic transaction information received from the electronic transaction browser. In another aspect, the digital wallet system may generate a token based on the request to complete the electronic transaction.

公开(公告)号：WO2021231450A1

公开(公告)日：2021-11-18

申请号：PCT/US2021/031809

申请日：2021-05-11

Applicant: JPMORGAN CHASE BANK, N.A.

Inventor： FAULK, Catherine D. ,  TAYLOR, Matthew C. ,  MOY, Christine ,  KASSIS, George ,  LOBBAN, Tyrone

IPC: G06Q30/00 ,  G06Q30/04 ,  G06Q20/10 ,  G06Q10/0835 ,  G06Q20/047 ,  G06Q20/102 ,  G06Q20/3674 ,  G06Q20/3821 ,  G06Q20/389 ,  G06Q20/401 ,  G06Q20/42 ,  G06Q30/018

Abstract: A method for invoicing and payments in an integrated supplier network may include: (1) receiving, at a supplier interface for a payments computer program, an invoice from a supplier; (2) receiving, at a buyer interface for the payments computer program, a payment allocation for the invoice, wherein the payment allocation may be associated with a supplier attestation for the supplier; (3) transferring, by the payments computer program, funds for the payment allocation to a liquidity pool, wherein the funds are commingled with other funds in the liquidity pool; (4) receiving, at the supplier interface, the supplier attestation, and a request to withdraw at least a portion of the funds for the payment allocation; and (5) retrieving, by the payments computer program, the portion of the payment allocation to a supplier account with the integrated supplier network.

公开(公告)号：WO2021127035A1

公开(公告)日：2021-06-24

申请号：PCT/US2020/065396

申请日：2020-12-16

Applicant: PAYPAL, INC.

Inventor： GUNDAVELLI, Suryatej ,  TODASCO, Michael ,  BREU, Lorenz

IPC: G06Q20/00 ,  G06Q20/0658 ,  G06Q20/3674 ,  H04L9/0637 ,  H04L9/0643

Abstract: A system includes a memory and a processor configured to execute computer instructions stored in the memory that when executed cause the system to perform operations. The computer instructions include a blockchain storage component to create a subsequent data block N+1 of a blockchain having N data blocks in response to a storage command, N being a positive integer. An activity token represents at least one previous network action of an entity operating the blockchain storage component. A blockchain processing component generates the storage command based on cryptographic processing of at least one of the N data blocks of the blockchain, the N+1 data block, and the activity token. The activity token is employed by the blockchain processing component to reduce the cryptographic processing of the N+1 data block.

公开(公告)号：WO2021041015A1

公开(公告)日：2021-03-04

申请号：PCT/US2020/045641

申请日：2020-08-10

Applicant: ANCHOR LABS, INC.

Inventor： MONICA, Diogo ,  MCCAULEY, Nathan P. ,  AVITAL, Boaz ,  FAIZULLABHOY, Riyaz D.

IPC: G06F21/64 ,  G06Q20/00 ,  G06F21/32 ,  G06F21/6218 ,  G06Q20/02 ,  G06Q20/065 ,  G06Q20/3672 ,  G06Q20/3674 ,  G06Q20/38215 ,  G06Q20/3825 ,  G06Q20/3829 ,  H04L2209/38 ,  H04L2209/56 ,  H04L9/0637 ,  H04L9/0825 ,  H04L9/0897 ,  H04L9/3234 ,  H04L9/3239 ,  H04L9/3255

Abstract: Methods and systems including: receiving a request to take an action in a cryptoasset custodial system for an account holder; authenticating a policy map associated with the action, wherein the policy map defines access control rules governing which actions are allowed under conditions including a threshold number of endorsements needed; and validating endorsement messages for the action by checking digital signatures of the received endorsement messages, wherein at least one of the validated endorsement messages has been generated by digital signing with a first private key of a person, who is associated with the account holder, and at least one of the validated endorsement messages has been generated by digital signing with a second private key of a program, which is associated with the account holder, responsive to the program confirming one or more circumstances specified by the account holder are met at a time when the program is run.

公开(公告)号：WO2022261650A2

公开(公告)日：2022-12-15

申请号：PCT/US2022/072829

申请日：2022-06-08

Applicant: ARTEMA LABS, INC

Inventor： JAKOBSSON, Bjorn, Markus ,  GERBER, Stephen, C. ,  STEWART, Guy, A.

IPC: G06Q20/12 ,  G06Q20/06 ,  G06Q30/06 ,  G06Q20/065 ,  G06Q20/3674 ,  G06Q20/3678 ,  G06Q20/38215 ,  G06Q20/3827 ,  G06Q20/3829 ,  G06Q2220/16 ,  H04L9/0825 ,  H04L9/0897 ,  H04L9/3239 ,  H04L9/3247 ,  H04L9/3297 ,  H04L9/50

Abstract: Systems and devices to account for automated conditional payments from within an NFT platform to maintain resources including (but not limited to) computer systems and/or sources of data relied upon by the platform are disclosed. One embodiment is a system that includes a paying module and a bounty hunting module. The paying module generates an agreement, the agreement including terms of the performance of service. The bounty hunting module performs steps for ensuring the service is performed. The bounty hunting module obtains publicly verifiable evidence related to the performance of service. The bounty hunting module generates an assertion including the publicly verifiable evidence and a reference to a public key. The bounty hunting module posts the assertion to an immutable ledger entry. The bounty hunting module obtains payment based on validity of the assertion, wherein the assertion is valid when the assertion is determined to be true.

公开(公告)号：WO2022245292A2

公开(公告)日：2022-11-24

申请号：PCT/SG2022/050327

申请日：2022-05-17

Applicant: MASTERCARD ASIA/PACIFIC PTE. LTD.

Inventor： MA, Weiming ,  BUI, Phuc Duyet ,  GUNAWAN, Dendy ,  RAVINATHAN, Srinath ,  XIE, Zhijian ,  JOYSON, Bensam ,  KARUNAPALA, Rasika Chandana ,  HUANG, Donghao ,  KELLETT, Paul ,  SINTON, James David

IPC: G06Q20/40 ,  H04L9/32 ,  G06Q20/16 ,  G06Q20/20 ,  G06Q20/34 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q20/3674 ,  G06Q20/385 ,  G06Q20/4014

Abstract: Various implementations described herein are directed to a method for providing identity, payment and/or access. A primary account number (PAN) is read from a card or token. A hashed PAN is generated. A transaction result is determined based on the hashed PAN.