Abstract: Embodiments of the invention are directed to a data reader for reading data from a device associated with a user. In various embodiments, the data reader is or includes a magnetic strip reader, a chip card reader, a Near Field Communication device or other RFID device, an IR communication device or other communication device configured to read, extract or otherwise receive data or information associated with a user, such as financial data, personal data or otherwise. In some embodiments, the data reader reads financial data such as bank account data from a transaction device such as a bank card (credit and/or debit), a chip card or the like and communicates some or all the data to another device, such as a transaction apparatus and/or a mobile device of a user.

Abstract: A dynamically re-programmable transaction card is capable of dynamically changing the information stored on various data tracks included on a magnetic strip(s) of the card. The information may be payment information associated with payment card, such as a credit card, debit card, gift card, etc., such that a user may select a payment type/card for a pending transaction and the data tracks may be dynamically programmed just prior to the pending transaction to allow for a transaction to processed using the user-selected payment information. During the period of time for which the transaction card is programmed, the card emulates the physical embodiment of the payment card selected. Additionally, the transaction card may be dynamically programmed with any other information needed to conduct a transaction that is typically stored on other convention magnetic stripe cards, such as loyalty card information, key code information (e.g., card-like hotel keys) and the like.

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for implementing a biometric authentication system. The biometric authentication system receives biometric information for a user, stores the information in a secure memory device, and compares the biometric information to a scan received at a later time to determine if the user has authenticated the user's identity. Once the user's identity is authenticated, the user may gain access to data, such as user data stored on an associated device, or may cause an action to occur. Various actions that may be prompted by authentication are provided, such as facilitating transactions, accessing remote servers, or authenticating the user's identity to third parties.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for a transaction apparatus for secure data storage and consolidation of data for easy implementation and utilization during a transaction. The transaction apparatus may be configured, in various embodiments, for receiving, storing, encrypting, decrypting, encoding, decoding, accessing, transferring, writing, and/or presenting transaction data including, but not limited to, financial data, authentication data, identification data, health care data, access data, personal data, and/or other data associated with a user. As such, the transaction apparatus may receive data from a user and store the data. The user may then provide authorization to access the data. The user may then select the data to be copied to an output device associated with the apparatus. The output devices may include, but are not limited to, a writable transaction card, an E-ink display, the mobile device, and the like.

Abstract: In general terms, embodiments of the present invention relate to apparatuses, methods, and computer program products for receiving transaction offers. For example, in some embodiments, a method is provided that includes (a) receiving information associated with a transaction; (b) storing, in a memory device, the information associated with a transaction; (c) receiving authentication information from a user to authenticate the user to enter into the transaction; and (d) enabling the user to enter into the transaction by using at least one of a magnetic swipe card writer, bar code display, or fingerprint reader.