Abstract: A transaction is pre-staged by providing transaction preferences, such as a financial instrument, a transaction type, and a transaction amount, to a user device. The user device captures a visual code at a terminal, such as an ATM. The visual code includes terminal attributes, including a signed hash and call-back URI. The user device authenticates the visual code using the signed hash and requests the transaction through the issuer server. The issuer server creates and sends the card data to the call-back URI. The terminal uses the card data to create a transaction request it routes to through its acquirer server.

Abstract: A payment processing method uses a credit push for disbursing funds at ATM. The process can include scanning an optical code at an ATM using a mobile device to determine creditor bank information. A debtor bank server receives a funds disbursement request and provides a credit push request to a payment rail. The payment rail communicates a credit payment transaction request to a creditor bank sever. The creditor bank server identifies the ATM using an ATM identifier provided to the mobile device via the optical code. The ATM is instructed to disburse funds by the creditor bank server. The method includes using the mobile device, or other issuer domain, authentication procedures. The funds can be disbursed by the ATM without the ATM performing any authentication procedures.

Abstract: Embodiments of the present invention provide systems and techniques for changing cryptographic keys in high-frequency transaction environments to mitigate service disruptions or loss of transactions associated with key maintenance. In various embodiments, a server device can employ a working key encrypted with a first master key to decrypt messages being communicated from a client device, whereby each message is encrypted with a first cryptogram that was generated based on the working key encrypted with the first master key. While the working key encrypted with the first master key is being employed, the server device can generate a notification including a second cryptogram generated based on the working key encrypted with a second master key for transmission to the client device. The transmitted notification can cause the client device to encrypt the messages being communicated with the second cryptogram.

Abstract: A transaction is pre-staged by providing transaction preferences, such as a financial instrument, a transaction type, and a transaction amount, to a user device. The user device captures a visual code at a terminal, such as an ATM. The visual code includes terminal attributes, including a signed hash and call-back URI. The user device authenticates the visual code using the signed hash and requests the transaction through the issuer server. The issuer server creates and sends the card data to the call-back URI. The terminal uses the card data to create a transaction request it routes to through its acquirer server.

Abstract: An apparatus and a method for detecting, classifying and tracking road users on frames of video data are provided. An object detection unit identifies an object in a frame of the video data. A pre-filtering unit determines whether the identifier associated to an object corresponds to another identifier associated to the same object in the same frame of the video data when the identifiers overlap. A tracking unit matches the identified object to a corresponding object in another frame of the video data, such that a path of the sequence of matched objects is tracked throughout the frames of the video data. A scenario unit determines a safety indicator that is a function of the risk indicators indicating interactions between road users.

Abstract: Embodiments of the present invention provide systems and techniques for changing cryptographic keys in high-frequency transaction environments to mitigate service disruptions or loss of transactions associated with key maintenance. In various embodiments, a server device can employ a working key encrypted with a first master key to decrypt messages being communicated from a client device, whereby each message is encrypted with a first cryptogram that was generated based on the working key encrypted with the first master key. While the working key encrypted with the first master key is being employed, the server device can generate a notification including a second cryptogram generated based on the working key encrypted with a second master key for transmission to the client device. The transmitted notification can cause the client device to encrypt the messages being communicated with the second cryptogram.

Abstract: A system and method for processing payment transactions via payment devices are provided. Issuer application selection criteria associated with a payment device, merchant application selection criteria associated with an acceptance device, and/or payment network card program file(s) may be evaluated to determine the payment application to be used for processing a payment transaction.

Abstract: A system and method for processing funds transfers that may utilize a dual-message transaction with separate authorization and settlement messages for (consumer authentication value) CAV-based transactions. Initial authorization messages may be communicated to authorize and guarantee funds to a payee for goods and/or services before they are rendered. Thereafter, the payee may initiate one or more settlement advice request messages associated with the authorization/pre-authorization, as goods and/or services are rendered without authorization of CAV.

Abstract: A secure card such as a credit card having a magnetic strip thereon is disclosed. The magnetic strip is coated with a thin amorphous layer having electrical characteristics and a processor. In a first state, the amorphous layer acts to interfere with reading of information from the magnetic strip. Identification of a user of the card as an authorized user thereof results in a second state in which the information stored in the magnetic strip is accessible. For example, biometric identification or the use of a PIN entered either directly into the card or through an input terminal cause the processor to switch power from the amorphous strip thereby removing the interference and unmasking the information on the magnetic strip.