Abstract: Systems and methods for initiating and/or facilitating a financial transaction in response to detecting and translating a spatial gesture may be provided. A payor transaction device may be capable of detecting, via a motion-detecting device, a payor spatial gesture corresponding to a payment gesture of one or more predetermined spatial gestures and, responsive to detecting the payor spatial gesture, receiving payee account information from a payee transaction device. The payor transaction device may also be capable of transmitting, to a payor computing device, transaction data comprising the payee account information and data indicative of the payor spatial gesture. The payor computing device may be capable of transmitting at least a portion of the transaction data to a financial service provider terminal to enable the financial service provider terminal to facilitate the requested transaction.

Abstract: A system for securely updating an electronic transaction card held by an account holder with an additional account and/or account data is described. A dynamic transaction card may be securely updated with an additional account by using pre-stored shell data and/or inactive data, whereby the pre-stored shell data may be populated using data received from an issuer system and/or the inactive data may be activated via an activation signal received from a mobile device. A backend server may determine, via a fraud determination, expiration determination, and/or user-request, that new account data should be transmitted to an account holder. The dynamic transaction card may receive the data associated with a notification, update a display, instruct an EMV applet to use a key associated with a received EMV key identifier for signatures, and/or update any additional data stored on the dynamic transaction card.

Abstract: A device may determine that a verification method associated with a transaction card is to be modified from a first verification method to a second verification method. The first verification method and the second verification method may use different types of verification information. The device may provide a set of instructions to the transaction card after determining that the verification method is to be modified. The set of instructions may cause the transaction card to modify the verification method from the first verification method to the second verification method. The device may provide information identifying a modification to the verification method to a transaction backend device to notify the transaction backend device that the verification method associated with the transaction card has been modified from the first verification method to the second verification method.

Abstract: A transaction card includes a near-field communication (NFC) component, a security component, a wireless component, one or more memories, and one or more processors communicatively coupled to the one or more memories. The device receives a signal from a user device attempting to access a secure application, and energizes the NFC component based on the signal received from the user device. The device causes the security component to generate an encrypted code based on the NFC component being energized, and provides, via the security component, the encrypted code to the wireless component. The device provides, via the wireless component, the encrypted code to the user device to permit the user device to utilize the encrypted code as authentication for accessing the secure application.

Abstract: In some implementations, a near field communication (NFC) device may determine whether the NFC device is to perform a wireless transaction in a powered mode or an unpowered mode, and may selectively perform the wireless transaction in the powered mode or the unpowered mode based on determining whether the NFC device is to perform the wireless transaction in the powered mode or the unpowered mode. The wireless transaction may be performed using power from a power source internal to the NFC device when the wireless transaction is performed in the powered mode. The wireless transaction may be performed without using power from the power source internal to the NFC device when the wireless transaction is performed in the unpowered mode.

Abstract: The present disclosure relates to systems and methods for using multicomputer data transferring to active contactless communication. In one example, such a system may include at least one memory storing instructions and at least one processor configured to execute the instructions to perform one or more operations, the operations including: receiving a transaction associated with a merchant on a list of merchants stored in the at least one memory; determining, based on the merchant, a remote server associated with the merchant; assembling a data packet including an identifier of the contactless card and an identifier of the transaction; transmitting the data packet to the determined server across one or more computer networks; receiving confirmation from the determined sever in response to the data packet; and transmitting the confirmation to a user device associated with the transaction.

Abstract: A transaction card may power on the transaction card using electric current induced from an interaction of the transaction card with an electromagnetic field. The transaction card may establish a communication with a device. The communication may indicate that the transaction card has powered. The transaction card may receive, from the device, a set of instructions to configure a set of applets on the transaction card after notifying the device that the transaction card has powered on. The set of applets to be configured may be related to completing one or more different transactions. The set of applets to be configured may be different than another set of applets already configured on the transaction card. The transaction card may configure the set of applets on the transaction card according to the set of instructions after receiving the set of instructions.

Abstract: A transaction device may include a power reception component configured to receive power from an external device with which the transaction device is to interact to perform a transaction. The transaction device may include a secure element configured to perform the transaction using the power received from the external device. The transaction device may include one or more peripheral components configured to perform one or more operations other than the transaction. The transaction device may include a power management component configured to determine at least one operation, of the one or more operations, to be performed in association with the transaction, and to route power received from the external device to at least one peripheral component, of the one or more peripheral components, capable of performing the at least one operation.

Abstract: A transaction card includes a near-field communication (NFC) component, a security component, a wireless component, one or more memories, and one or more processors communicatively coupled to the one or more memories. The device receives a signal from a user device attempting to access a secure application, and energizes the NFC component based on the signal received from the user device. The device causes the security component to generate an encrypted code based on the NFC component being energized, and provides, via the security component, the encrypted code to the wireless component. The device provides, via the wireless component, the encrypted code to the user device to permit the user device to utilize the encrypted code as authentication for accessing the secure application.

Abstract: Systems and methods for in-store purchases are provided. An exemplary method may include receiving by a customer device associated with a customer, customer data including customer preference data. The method may include storing the received customer data and identifying a merchant at a location of the customer. The method may also include determining a customer order for the identified merchant based on the customer preference data. Further, the method may include transmitting a notification to a merchant device associated with the identified merchant, the notification including the determined customer order.

Abstract: A transaction card may power on the transaction card using electric current induced from an interaction of the transaction card with an electromagnetic field. The transaction card may establish a communication with a device. The communication may indicate that the transaction card has powered. The transaction card may receive, from the device, a set of instructions to configure a set of applets on the transaction card after notifying the device that the transaction card has powered on. The set of applets to be configured may be related to completing one or more different transactions. The set of applets to be configured may be different than another set of applets already configured on the transaction card. The transaction card may configure the set of applets on the transaction card according to the set of instructions after receiving the set of instructions.

Abstract: In some implementations, a near field communication (NFC) device may determine whether the NFC device is to perform a wireless transaction in a powered mode or an unpowered mode, and may selectively perform the wireless transaction in the powered mode or the unpowered mode based on determining whether the NFC device is to perform the wireless transaction in the powered mode or the unpowered mode. The wireless transaction may be performed using power from a power source internal to the NFC device when the wireless transaction is performed in the powered mode. The wireless transaction may be performed without using power from the power source internal to the NFC device when the wireless transaction is performed in the unpowered mode.

Abstract: Systems and methods for initiating and/or facilitating a financial transaction in response to detecting and translating a spatial gesture may be provided. A payor transaction device may be capable of detecting, via a motion-detecting device, a payor spatial gesture corresponding to a payment gesture of one or more predetermined spatial gestures and, responsive to detecting the payor spatial gesture, receiving payee account information from a payee transaction device. The payor transaction device may also be capable of transmitting, to a payor computing device, transaction data comprising the payee account information and data indicative of the payor spatial gesture. The payor computing device may be capable of transmitting at least a portion of the transaction data to a financial service provider terminal to enable the financial service provider terminal to facilitate the requested transaction.

Abstract: A transaction device may include a power reception component configured to receive power from an external device with which the transaction device is to interact to perform a transaction. The transaction device may include a secure element configured to perform the transaction using the power received from the external device. The transaction device may include one or more peripheral components configured to perform one or more operations other than the transaction. The transaction device may include a power management component configured to determine at least one operation, of the one or more operations, to be performed in association with the transaction, and to route power received from the external device to at least one peripheral component, of the one or more peripheral components, capable of performing the at least one operation.

Abstract: Systems and methods for in-store purchases are provided. An exemplary method may include receiving by a customer device associated with a customer, customer data including customer preference data. The method may include storing the received customer data and identifying a merchant at a location of the customer. The method may also include determining a customer order for the identified merchant based on the customer preference data. Further, the method may include transmitting a notification to a merchant device associated with the identified merchant, the notification including the determined customer order.

Abstract: Systems and methods are provided for managing mobile device updates. In some embodiments, the disclosed systems can include a key provisioning system, a key system, and mobile devices. The key provisioning system can provide keys to the mobile devices and the key system. The key system can receive a key from the key provisioning system, receive a request from an application system, calculate a first token, and provide the first token to the application system for transmission to a mobile device. The mobile device can receive a key from the key provisioning system, establish a local connection with a connected device, receive an application and the first token from the connected device, generate a second token using the application and the key, compare the first token and the second token, and update the mobile device according to the application based on a result of the comparison.

Abstract: In order to predict plant stresses at a localized level, data feeds from many sensor types can be fused and analyzed to create a synthetic sensor estimating plant water stress, predicting microclimatic conditions, and performing localized plant disease and pest modeling. To make this affordable, an array of low-cost, lower precision sensors can be used. Sensor fusion is used to improve the accuracy of each sensing element by using machine learning to fuse data from the other sensing elements in the array. Additionally, machine learning can create a “synthetic sensor” replicating the output of high-cost and maintenance intensive sensing devices by using machine learning to replicate their output.

Abstract: Systems and methods are provided for managing mobile device updates. In some embodiments, the disclosed systems can include a key provisioning system, a key system, and mobile devices. The key provisioning system can provide keys to the mobile devices and the key system. The key system can receive a key from the key provisioning system, receive a request from an application system, calculate a first token, and provide the first token to the application system for transmission to a mobile device. The mobile device can receive a key from the key provisioning system, establish a local connection with a connected device, receive an application and the first token from the connected device, generate a second token using the application and the key, compare the first token and the second token, and update the mobile device according to the application based on a result of the comparison.

Abstract: In order to predict plant stresses at a localized level, data feeds from many sensor types can be fused and analyzed to create a synthetic sensor estimating plant water stress, predicting microclimatic conditions, and performing localized plant disease and pest modeling. To make this affordable, an array of low-cost, lower precision sensors can be used. Sensor fusion is used to improve the accuracy of each sensing element by using machine learning to fuse data from the other sensing elements in the array. Additionally, machine learning can create a “synthetic sensor” replicating the output of high-cost and maintenance intensive sensing devices by using machine learning to replicate their output.

Abstract: A device may determine that a verification method associated with a transaction card is to be modified from a first verification method to a second verification method. The first verification method and the second verification method may use different types of verification information. The device may provide a set of instructions to the transaction card after determining that the verification method is to be modified. The set of instructions may cause the transaction card to modify the verification method from the first verification method to the second verification method. The device may provide information identifying a modification to the verification method to a transaction backend device to notify the transaction backend device that the verification method associated with the transaction card has been modified from the first verification method to the second verification method.