Collective Dynamics Registers Patent Portfolio on IPwe Blockchain

ATLANTA & PARIS (PRWEB)February 15, 2019

Collective Dynamics, LLC., a thought leader in advanced methods of payment transaction authentication has announced the registration of its payment processing, authentication and ‘pin-on-glass’ patents on the IPwe Global Patent Registry. The Collective Dynamics patents, with priority filing dates spanning over ten years, anticipated many of the current challenges facing the payment industry and exemplify the essential use cases and solutions that are needed to reduce payment fraud including:

  • A rules-based system configurable by networks, issuers and merchants
  • Omni-commerce venues including: ecommerce, physical and mobile
  • Payment tender types including: cards, tokenized, gift and alternative payments
  • Biometric authentication using a mobile device
  • A multi-modal, mobile user interface

“We are excited to work with the professional team at IPwe to offer our patents for license, as we continue to engage with industry leaders to address the growing payment fraud issue”, said Tony Emrick, Collective Dynamics, executive. “Collective Dynamics is an excellent licensing prospect for IPwe – excellent patents offered at reasonable prices to attract potential licensees. We look forward to working with the Collective Dynamics team,” said Erich Spangenberg, CEO of IPwe.

About Collective Dynamics, Inc.

Atlanta-based Collective Dynamics, Inc. is a payment-industry strategy and IT consulting firm that has served payment industry clients for over twenty years. Accomplishments include the development and launch of the first internet, single-point-of-entry merchant onboarding system. The company was also instrumental in the launch of contactless mobile payments in the US. For more information, visit and

Contact: tony.emrick(at)coldyn(dot)com

About IPwe

IPwe is leveraging the power of AI and Hyperledger to offer a fully automated transaction platform for patent analysis, transactions and related services. IPwe is the place to obtain information, transact and interact for the patent ecosystem. For more information, visit

Contact: michael(at)ipwe(dot)com


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To obtain the required credit card form, go to:

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Note: Citrix Account Number

The “Citrix Account Number” required on the credit card form is the “Sold to Customer No.” in the Information Details section of your Invoice.

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Visa’s B2B Connect Platform to launch next year, integrates Hyperledger

Visa is planning to launch the commercial version of its blockchain-based B2B Connect Platform in the first quarter of 2019. The company has been working in partnership with Chain.Inc since 2016 to develop this blockchain-based platform that facilitates cross-border business payments between organizations especially banks, and has now partnered with IBM in order to integrate the Hyperledger Fabric and extend functionality of this platform.

The platform, which is currently at piloting stage, facilitates transfer of funds across the border from bank of origin to the receiver at the beneficiary bank. It operates as a “digital identity” platform that tokenizes highly sensitive data including account numbers and banking details using a unique identifier to facilitate faster transactions susceptible to fewer fraud. It helps to reduce fraud that might be found with checks, ACH and wire transfers today while facilitating transactions and deals in a regulated business climate.

It runs on an internal Visa network instead of the correspondent banking system and therefore largely benefits for payments in verticals such as supply chain, trade, and institutional banking. In other words, corporate clients can use the platform to pay their vendors cross-border and be paid by their customers.

Only participating banks or their technology partners can also carry out cross-currency transactions in a simple, fast and secure manner. The platform also provides APIs that banks and other users can integrate into their system to take full advantage of the platform. For instance, banks can use these APIs to on-board customers, set-up eligible suppliers, check Visa B2B Connect foreign exchange rates and submit payments.

It provides the benefits of near-real transaction and notification and finality of payment. The Payment API lets banks to originate payment on behalf of its enrolled customers to one of the customer’s enrolled suppliers. The bank can also search for Visa B2B Connect payments that are made by or received by its enrolled companies and even check the exchange rate for currency pairs or check current and historical rates. Thus it will compete with the many blockchain-based cross border platforms although it does not use digital currencies.

The blockchain platform, which is available for use by any company in all regions around the world, is currently being piloted or used by a number of banks including Union bank and other four banks in Philippines according to a previous report by and a Thailand bank called Kasikorn bank.

The new partnership, which will give the bank the right to use and integrate the Hyperledger Fabric blockchain code in the Visa’s core assets, will help the company to add functionality to the platform including scaling as a permissioned network.


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Constellation Joins Hyperledger

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SharedLABS reimagines payments and creates a disruptive new Digital Payments Platform

JACKSONVILLE, Fla., Sept. 4, 2018 /PRNewswire/ —SharedLABS, Inc. (“SharedLABS”), a global software and technology services company focused on delivering digital transformation, has entered into an agreement to help their new client, a global payments technology company, reimagine how companies and individuals make and receive payments to vendors, employees, and sub-contractors, by creating a digital disbursement solution that leverages new hyper ledger technologies in a new way which can dramatically transform operations, customer satisfaction, and cash disbursement, while eliminating billing errors and accelerating payment time.

SharedLABS reimagines payments and creates a disruptive new Digital Payments Platform

Across industries and geographies, the growth of the “gig economy” has brought with it the introduction of countless new methods to make or receive a payment, while adding significant cost and friction to the B2C disbursement process, frustrating workers, vendors, and customers, while tying up cash in accounts receivable, delaying payments, and increasing costs. SharedLABS has been selected by a new client to create a solution which optimizes its deep expertise in payments and technology with hundreds of large multinational enterprises – and incorporates SharedLABS’ own Solutions Suite which consists of Proven Register, allowing various internal and external stakeholders to easily and transparently share data among any number of systems, in an intrinsically secure, mobile-first model, making it infinitely scalable.

This solution offers a nified Payments Platform which extends numerous alternative payment mechanisms for funding consumer recipients, as well as a single integration point, which unlocks multiple funding options and allows its customers to connect via batch file load, web-based applications and API while delivering payments via multiple methods including same day ACH, Cash, PayPal, Push to Debit, Open and Closed Stored Value Cards. The platform has built-in 1099 IRS compliance for reporting and filing, and a sophisticated rules engine for corporations to manage how, when and under what conditions recipients get paid. The platform’s disruptive approach to payments has the potential to dramatically enhance cash flow performance, reduce revenue leakage from disputes, and lower costs.

“Industry disruption is making cycle times for payments irrelevant. The companies who harness the power of digital technologies to transform processes, improve billing and payments quality while reducing latency, and improve security with better accuracy and visibility, will be the frontrunners in platform selection,”said Jason Cory, SharedLABS CEO. SharedLABS’ domain expertise in Payments, FinTech, and emerging technologies – coupled with our proven capabilities developing digital solutions for banking and technology organizations – gives us valuable insights that help CFOs and their teams improve cash flow, operating profits, and customer experiences at an accelerated pace and in a predictable manner.” John Andrews, SharedLABS COO, while speaking about the project, said, “Our experience in creating software products, for software companies using our ESP™ methodology, made us a frontrunner in the highly competitive process our client used to select the successful partner.”

While initially conceptualized to support payments chain of provenance for asset management, SharedLABS is working to extend its hyper ledger and proven register solution’s massively scalable platform to bring transformational value across to Payments, Banking, Retail, Government, Transportation and Logistics, Technology and Telecommunications organizations. As part of its strategy to drive both digitally enabled innovation for its clients, SharedLABS leverages its ESP™ approach, which models plans from concept to cashflow by combining technology and design thinking methodologies, leading digital technology and analytics, and deep domain and vertical expertise to develop solutions which generate significant business impact to help its clients create sustainable competitive advantage.

About SharedLABS, Inc.

Headquartered in Jacksonville, Florida, SharedLABS is a global software and technology services company providing a broad range of software, digital, cloud, and security services to both commercial and government clients which enable businesses to innovate and compete in today’s competitive marketplaces. A respected partner to many of the largest technology companies in the world, SharedLABS creates, supports, implements, and manages the software, infrastructure, and e-commerce systems which drive today’s digital world.

(PRNewsfoto/SharedLabs, Inc.)

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Today in FinTech: nanopay, RentMoola, SecureKey

Over the past few weeks, several FinTechs have made announcements launching new features and partnerships. Here’s the latest on these company updates.

Nicko van Someren joins nanopay as chief security officer

Toronto-based nanopay, a payments platform helping banks facilitate real-time global payments, has added Nicko van Someren as its chief security officer (CSO).

Van Someren has been a member of nanopay’s advisory board for the past five years. Most recently, Van Someron served as the CTO and executive director of the Linux Foundation’s Core Infrastructure Initiative, a program that aims to improve the security of open source projects. Before that, Van Someren was the founder and CTO of the hardware security model company nCipher Plc, which was acquired by Thales eSecurity; the CTO of Good Technology, which was acquired by Blackberry; the chief security architect of Juniper Network; and the founder and CTO of Ant Plc.

“Nicko’s been advising us since the beginning of nanopay. His proven track record and strategic vision on security are a perfect fit for the company and align well with the direction of nanopay,” said Laurence Cooke, founder and CEO of nanopay. “With the addition of Nicko to our team, our products will set a new standard for secure, frictionless payments.”

As nanopay’s CSO, Van Someren will ensure that nanopay’s products and services are secure in their design, implementation, and operation. He will also work with the company’s product and marketing teams to carry the message of nanopay’s security to customers, users, partners, investors, and regulators.

“I am excited to be joining nanopay and to help it transform the way that payments are processed,” said Van Someren. “Cryptographic security has always been at the core of what nanopay does, and as CSO, I shall be working to ensure that key principles of security and trust lie at the heart of everything we do going forward.”

nanopay raised a $10 million Series A in October 2016.

RentMoola launches pre-authorized payments solution

Vancouver-based RentMoola, which allows property owners to collect rent through an online platform, has announced the launch of a pre-authorized debit payments (PAD) tool for the property management industry.

RentMoola said it has partnered with BMO Financial Group to launch PAD, which digitizes pre-authorized debit enrolment for monthly rent payments. RentMoola’s goal through this solution is to reduce the need for forms and void cheques, and allow tenants to pay with any payment methods from anywhere. The company said tenants can also access RentMoola’s MoolaPerks rewards program.

“We are excited to bring RM PAD+ to the Canadian multi-family rental and apartment market. There has been no innovation in pre-authorized payments for decades until now,” said Patrick Postrehovsky, co-founder and CEO of RentMoola. “As a FinTech leader, RentMoola is delivering on its mission of providing a rewarding and paperless payments solution while helping realize significant time and expense reductions to owners and operators. RM PAD+ allows the tenant to also easily make one-time payments which until now has been another pain point.”

SecureKey exploring interoperability in its digital identity network

Toronto-based SecureKey, which develops authentication and identity solutions for online consumer service companies, announced it is joining the Decentralized Identity Foundation (DIF) to continue establishing standards for decentralized digital identity networks.

SecureKey said as a member of the DIF, it will explore the interoperability between Verified.Me — its blockchain-based digital identity network built upon Hyperledger Fabric — and Hyperledger Indy-based identity projects. According to its website, Hyperledger Indy “provides tools, libraries, and reusable components for creating and using independent digital identities rooted on blockchains… so that they are interoperable across administrative domains, applications, and any other ‘silo.’”

Specifically, SecureKey will explore integration points and projects between digital identity-focused platforms. Verified.Me allows users to consent to sharing their digital identity attributes and gain access to various online services.

“Today’s digital identity systems are broken, and we at SecureKey firmly believe that companies building digital identity solutions have a responsibility to work collaboratively in developing holistic products and standards that benefit all users,” said Greg Wolfond, founder and CEO at SecureKey. “This represents an important step in leveraging the best of the mature offering we have built with Verified.Me on Hyperledger Fabric 1.1+ and extending our expertise to both the Hyperledger Indy Project and the DIF to establish firm digital identity network standards for the next generation.”

SecureKey raised $27 million in funding in October 2016.

Photo via Unsplash.


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American Express Embraces Hyperledger Blockchain For its Rewards Program


American Express has taken the decision to partner with online retailer Boxed in order to integrate distributed ledger technology (DLT) into its rewards program. The information has been released by American Express on May the 23rd in a blog post.

By using hyperledger technology, its loyalty rewards program will be enhanced, providing better services and products to customers and merchants. American Express card holders will have the possibility to earn loyalty points five times faster.

In addition to it, Merchants will be able to control the products that they want to offer with discounts, and allow them to assign specific bonuses to some items they sell. At the moment, the multinational financial company explained that it will have the right to control the brands and products that will be able to be promoted.

This is an exciting tool for merchants that will have the chance to decide how to offer rewards to their clients. Moreover, they will have the possibility to develop and customize their own campaigns and promotions.

In order to enjoy the promotion, users will have to download an application that will be link to each merchant, something that will have an important impact in the price of some products and services offered.

As soon as an offer is available, a smart contract will be send an anonymized transactions to Amex on its private blockchain where they will identify the card member and issue the deserved reward points.

In the past, American Express filed a patent application intended to make a blockchain based rewards program system. In this way, it joins the important group of financial institutions working with DLT.


Amex Experiments With The Blockchain To Deliver Richer Rewards








American Express is embracing the blockchain for it’s Membership Rewards program. The project comes with a big assist from Hyperledger — whose blockchain technology the company is leveraging — and Boxed, the online grocery service that has agreed to pilot the program.

American Express hopes to roll out the blockchain-enhanced version of its Membership Rewards program to all its merchants and card members in the next few months.

“This new innovation is in direct response to what we’ve heard from these audiences — our Card Members want more ways to earn Membership Rewards points, and our merchants want to further harness the power of Membership Rewards to engage their customers and drive spend with their brands,” Chris Cracchiolo, VP of Membership Rewards & Loyalty Benefits at American Express, told PYMNTS.

But it’s about more than just offering “more” — neither Amex merchants or members are looking for volume alone. Rather, Cracchiolo said, it’s about offering more and offering better in terms of presenting the relevant offers to the relevant consumers.

By leveraging blockchain technology, he noted, Amex lets merchants more directly and creatively incentivize consumers with more specific offers, while creating real-time visibility and access to those offers to make sure they are appropriate to brand guidelines and processes.

“Using blockchain, we are giving our merchants the ability to control the types of offers they want to market through their proprietary channels to our card members. For merchants, this new innovation allows the ability to bring offers to market much quicker, and there is minimal lift. Also, we can continue to maintain the level of security and quality that customers know and expect from American Express,” Cracchiolo said.

Merchants’ minimal lifting was particularly instrumental to Amex choosing a blockchain solution as opposed to attempting to acheive a similar end through API plugins. Because Amex will oversea the blockchain technology, time spent on resourcing for the merchant will be minimal, Cracchiolo said. And that makes a tremendous difference for speed: Using Hyperledger’s blockchain technology, American Express can get merchants onboarded with offers up and running within a few weeks. Through the API route, that timeframe would more likely be measured in a few months.

For the consumer, he noted, the Rewards experience remains the same, although the offers they see will likely start looking more tempting, relevant and rewarding as they appear across merchant channels.

“This new technology will open up new opportunities and channels for card members to earn Membership Rewards points with merchants we know they already love and are shopping at,” he noted, while also giving them reasons to try new places.

Or it will, when the whole program is up and running. For now, the blockchain project is in pilot mode, with a few select card members working with a single merchant: the online grocery player Boxed. American Express members who order their rations through the online grocery wholesaler can earn 5x Membership Rewards points for select products and brands.

Cheerios, Planters nuts and Dove soap all made the first list, although it will be fairly easy for Boxed to change what product types and SKUs it wants to push its users toward.

Going forward, Cracchiolo said, the sky could well be the limit with how retailers want to leverage their channels — and their relationships with card members — to really customize the types of offerings they’re making with American Express.

“For example, imagine getting 10X MR points when you purchase a specific product at a participating merchant, or, to take it a step further, when you purchase a specific version of a product from that merchant. Or imagine trying the new latte at a coffee shop on a whim because the merchant is offering an additional 100 MR points for that particular drink,” Cracchiolo said.

The new announcement from Amex follows — and answers some questions about — a patent filed last year by an American Express subsidiary for a personalized customer reward system using blockchain technology.

As for what’s next, Cracchiolo said the company is working with Boxed to develop the program and is actively pursuing relationships with other potential merchant partners.

American Express Taps Hyperledger Blockchain for Rewards Program Revamp

american expressamerican express

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American Express has deployed Hyperledger’s blockchain technology to make its Membership Rewards program more versatile, marking the first application of blockchain technology to a major U.S. financial services loyalty program.

Under the revamped program, merchants will be able to create Membership Rewards offers on their own platforms to engage customers and at the same time offer card members more opportunities to earn points.

Rewards On Select Products

American Express is partnering with Boxed, an online wholesale retailer, on a pilot promotion for Membership Rewards enrolled members. Members can earn 5X Membership Rewards points for select products and brands.

American Express will initially provide rewards points to Boxed customers for Cheerios cereal, Planters nuts, Dove soap and a few other items, according to the Associated Press. American Express plans to make the program available to nearly all merchant partners in the coming months.

The technology has helped to target individual items, which in the past has proven challenging since merchants’ inventory systems differ from one another. Hyperledger blockchain technology enabled American Express to solve the problem so that merchants and American Express can create product-targeted offers.

More Versatile Promotions

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Amex’s new blockchain rewards program will allow merchants to create rewad campaigns for individual products. | Source: Shutterstock

Chris Cracchiolo, who oversees Membership Rewards at American Express, said merchants can develop programs based on time of day and day of week by encouraging the customer to download the merchant’s app. Merchants will have significantly more ways to reward customers.

While customers could be targeted for an offer based on spending behavior at a particular merchant under the Amex Offers program in the past, these offers could not target specific products.

Because American Express owns and manages the blockchain technology, merchants incur minimal setup time to participate in the program. American Express can get merchants’ offers up and running in weeks rather than months.

Also read: American Express wants “full advantage of blockchain,” joins open-source Hyperledger project

How It Works

A private channel on the company’s blockchain will allow merchants to send and receive information securely. The merchant will have control over the offers they wish to market, and they will be able to create custom Membership Rewards offers and designate SKU level bonuses.

American Express will have full visibility of the offers on the blockchain and will ensure the promotions conform to its brand values and merchant agreements.

Once the offers are available to customers, the smart contract will automatically send the anonymized transaction to American Express on the private blockchain. American Express will identify the card member and issue them their rewards points.

American Express will work with merchants to create the smart contracts for the offers.

The credit card giant is a premiere Hyperledger member, along with Deutsche Bank, JPMorgan, IBM, Intel, Baidu and Accenture.

Marc Gordon, American Express information chief and vice president, said the company wants to take full advantage of blockchain to deliver innovative products for customers and partners when it joined Hyperledger.

Featured Image from American Express

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