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 include a processor, a wireless transceiver in communication with the processor, and a non-transitory memory. The memory may store instructions that, when executed by the processor, cause the processor to perform processing. The processing may include detecting, using the wireless transceiver, at least one external device in communication range of the device. The processing may include receiving, by the wireless transceiver, at least one external device identifier from the at least one external device. The processing may include verifying the at least one external device identifier. The verifying may include locating the at least one device identifier in a blockchain record of a transaction involving the at least one external device. The processing may include performing at least one transaction requiring the verified at least one external device identifier.

Abstract: A device may include a processor, a wireless transceiver in communication with the processor, and a non-transitory memory. The memory may store instructions that, when executed by the processor, cause the processor to perform processing. The processing may include receiving a command configured to be executed by an external user device. The external user device and the user device may be members of a network of trust. The processing may include detecting, by the wireless transceiver, a plurality of member devices of the network of trust in communication range of the device. The processing may include sending, by the wireless transceiver, the command to each of the plurality of member devices.

Abstract: A device may include a processor, a wireless transceiver in communication with the processor, and a non-transitory memory. The memory may store instructions that, when executed by the processor, cause the processor to perform processing. The processing may include sending, by the wireless transceiver, a request to share a transaction to at least one external user device in communication range of the device. The processing may include receiving, at the wireless transceiver, at least one sharing confirmation from the at least one external user device. The processing may include generating a transaction request. The transaction request may include data describing the transaction and a transaction portion to be paid by an account associated with the device. The processing may include sending the transaction request to a transaction service for fulfillment.

Abstract: A system for securely updating an electronic transaction card held by an account holder with an additional account and/or account data. 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 an issuer system. 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 include a processor, a wireless transceiver in communication with the processor, and a non-transitory memory. The memory may store instructions that, when executed by the processor, cause the processor to perform processing. The processing may include detecting, using the wireless transceiver, at least one external device in communication range of the device. The processing may include receiving, by the wireless transceiver, at least one external device identifier from the at least one external device. The processing may include verifying the at least one external device identifier. The verifying may include locating the at least one device identifier in a blockchain record of a transaction involving the at least one external device. The processing may include performing at least one transaction requiring the verified at least one external device identifier.

Abstract: Examples described herein describe a battery charger for a transaction card. According to some implementations, a charging device may detect a transaction card is received within a charging slot when an integrated circuit (IC) chip of the transaction card is in contact with a charging terminal; request a user device to provide power to charge the transaction card via the charging terminal, wherein the user device is communicatively coupled to the charging terminal; receive the power from the user device; and provide the power to the transaction card to charge a battery of the transaction card.

Abstract: Examples described herein describe a battery charger for a transaction card. According to some implementations, a charging device may detect a transaction card is received within a charging slot when an integrated circuit (IC) chip of the transaction card is in contact with a charging terminal; request a user device to provide power to charge the transaction card via the charging terminal, wherein the user device is communicatively coupled to the charging terminal; receive the power from the user device; and provide the power to the transaction card to charge a battery of the transaction card.

Abstract: Systems and methods are provided for displaying account information. The systems and methods may include a portable smart display device in short-range communication with a mobile device. The smart display device may be configured to provide a user with quick and easy yet secure access to account information, without the need for multi-step login and verification processes. The smart display device may be sized to fit within a wallet and within quick, easy reach of a user. The smart display device may receive up-to-date account information from the mobile device, and display the account information on-demand upon detecting an activation event, thereby providing an enjoyable user experience and a useful tool for quickly informing the user of their financial situation.

Abstract: A system for securely updating an electronic transaction card held by an account holder with an additional account and/or account data. 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 an issuer system. 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 multi-function transaction card may determine whether to submit a first payment as a passive payment device or to receive a second payment from another transaction card. The multi-function transaction card may have a length and a width that are in accordance with a standard for transaction cards. The multi-function transaction card may selectively perform a payment transaction based on determining whether to submit the first payment or to receive the second payment. The payment transaction may be performed by providing first card data to a transaction terminal for processing when the multi-function transaction card is to submit the first payment. The payment transaction may be performed by receiving second card data from the other transaction card, and processing the second card data via online data authentication, or via offline data authentication, when the multi-function transaction card is to receive the second payment.

Abstract: Systems and methods for securely pairing a transmitting device with a receiving device are described. The systems and methods may communicate with a first device via a first communication method over a wireless communication network. The systems and methods may transmit, to the first device via a second communication method, a first sensory pattern representing a first key. In addition, the system and methods may communicate with the first device via the first communication method using the first key.

Abstract: A contactless payment device including a wireless communication device; a power source; a processor coupled to the power source; an accelerometer communicatively coupled to the processor and the power source; and an actuator communicatively coupled to the wireless communication device and the processor. The actuator is configured to activate the wireless communication device when the actuator is set in a closed state, and deactivate the wireless communication device when the actuator is set in an open state. The processor is configured to receive an incoming signal from the accelerometer; determine whether the incoming signal corresponds to a pre-programmed signal corresponding to an enabling gesture; and set the actuator in the closed state for a time interval, when the incoming signal corresponds to the enabling gesture.

Abstract: Systems and methods are disclosed for providing account balance notifications. The disclosed embodiments generally relate to using transmitters to activate a mobile application to request financial account information, such as an account balance, and display the requested information, via the mobile device, before the customer uses an automated teller machine (ATM) or conducts a transaction at a bank branch. In certain embodiments, the transmitters are low energy transmitters. Other aspects of the disclosed embodiments are described herein.

Abstract: User interface systems and methods for assisting user interactions with displays are disclosed. A user interface system may include a display and a sensor configured to detect an interaction, by a user, with the display. The user interface system may also include one or more memory devices storing instructions and one or more processors configured to execute the instructions. The instructions may instruct the user interface system to generate a pattern on the display, determine that the interaction is a command to initiate a process to assist the user in interacting with the display, generate a display element on the pattern at a location specified by the command, and provide a feedback signal to the user indicating the display element location.

Abstract: Systems and methods for securely pairing a transmitting device with a receiving device are described. The systems and methods may communicate with a first device via a first communication method over a wireless communication network. The systems and methods may transmit, to the first device via a second communication method, a first sensory pattern representing a first key. In addition, the system and methods may communicate with the first device via the first communication method using the first key.

Abstract: An apparatus for dispensing cash bills is provided. The apparatus may include a housing with an access port, a cash dispenser, and a cash cartridge removably mounted within the housing. The cash cartridge may be insertable and removable through the access port. The cash cartridge may also be adapted to store a plurality of bills for dispensing and removably coupled to the cash dispenser. The apparatus may communicate with a user exclusively through a first communication unit via an RF network and may include a second communication unit for communicating with a financial service provider via a VICTORY-standard network.

Abstract: A contactless payment device including a wireless communication device; a power source; a processor coupled to the power source; an accelerometer communicatively coupled to the processor and the power source; and an actuator communicatively coupled to the wireless communication device and the processor. The actuator is configured to activate the wireless communication device when the actuator is set in a closed state, and deactivate the wireless communication device when the actuator is set in an open state. The processor is configured to receive an incoming signal from the accelerometer; determine whether the incoming signal corresponds to a pre-programmed signal corresponding to an enabling gesture; and set the actuator in the closed state for a time interval, when the incoming signal corresponds to the enabling gesture.

Abstract: Systems and methods are disclosed for providing account balance notifications. The disclosed embodiments generally relate to using transmitters to activate a mobile application to request financial account information, such as an account balance, and display the requested information, via the mobile device, before the customer uses an automated teller machine (ATM) or conducts a transaction at a bank branch. In certain embodiments, the transmitters are low energy transmitters. Other aspects of the disclosed embodiments are described herein.

Abstract: Systems and methods are disclosed for the deposit, withdrawal, and reuse of currency for transactions. According to disclosed embodiments, an intelligent teller machine (ITM) is configured to receive currency as payment for a transaction, to calculate and dispense any change due, and to request that the net value of the transaction (e.g., the revenue) be deposited into the financial account of the business. The currency received by the ITM is also available to make change for future purchase transactions.